Investor Presentaiton

NII increased driven by NIM improvement in line with rising interest rate environment and quality loan growth Net interest income Billion Baht 82.2 77.0 71.1 102.2 NIM, Yield on earning asset, Cost of fund % 4.27% 3.72% +36.0% YoY 3.30% 3.28% 61.6 2.97% 2.92% 2.88% 2.42% 45.3 2.35% 2.24% 2.18% 2.10% 1.59% 1.63% 1.19% 0.94% 1.02% 0.92% 2019 2020 2021 2022 1H22 1H23 2019 2020 2021 2022 1H22 1H23 Policy rate 1.250% 0.500% 0.500% 1.250% 0.500% 2.000% MLR 6.000% 5.250% 5.250% 5.850% 5.250% 6.850% MOR 6.875% 5.875% 5.875% 6.350% 5.875% 7.300% Yield on earning assets NIM 21 Note: Include Permata's financial performance since May 2020 Cost of funds Bangkok Bank

View entire presentation