Investor Presentaiton

Financial position Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 Million Baht Growth (%) QoQ YTD Loan/1 1,868,903 1,941,093 2,003,989 2,083,160 2,061,309 3.0% -1.0% Deposit 2,090,965 2,178,141 2,310,743 2,326,470 2,370,792 0.3% 1.9% LDR 89.4% 89.1% 86.7% 89.5% 86.9% 2.2% -2.6% NPL 56,226 68,841 87,419 80,137 79,149 -8.2% -1.2% NPL ratio 2.8% 3.2% 3.9% 3.4% 3.4% -0.2% 0.0% LLR to NPL 185% 174% 160% 191% 220% 36.8% 29.3% LLR to loan 5.6% 6.2% 7.0% 7.3% 8.5% 0.6% 1.2% Liquid assets/2 906,648 956,841 1,051,975 1,018,448 1,118,772 -5.2% 9.9% Liquid assets to total assets 32.0% 32.5% 34.2% 32.7% 34.8% -1.8% 2.1% CASA 44.8% 48.4% 50.7% 52.4% 53.1% 1.1% 0.7% CET1/Tier 1 ratio/3 15.8% 16.4% 16.6% 16.4% 17.0% -0.7% 0.6% CAR/3 17.9% 18.3% 18.2% 18.0% 20.0% -0.7% 2.0% Note: /1 Loan Loan to customer less deferred revenue /2 Liquid assets consist of cash, net interbank and money market items, trading securities and available-for-sale securities /3 Based on Basel III standards issued by BOT since January 1, 2013 34 Bangkok Bank

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