Investor Presentaiton

1H22 Financial Highlights 1H22 profit grew 6.0% YoY driven by higher net Prudent approach has been key to delivering sustainable returns over the years Net profit +6.0% YOY interest income, while maintaining disciplined balance sheet management under market Net interest income uncertainties +13.9% YOY Cost-to-income Net fees and service income ratio -3.8% YoY 50.4% Loan Deposit +2.5% YTD -0.3% YTD NPL ratio 3.4% Coverage ratio 232.5% Loan-to-deposit Tier 1 ratio ratio 84.3% 15.4% • Net interest income rose 13.9% YoY led by higher loan. volume with NIM slightly improved to 2.18%. • • . . Net fee and service income declined from security business, while income from loan related fee increased Loan increased 2.5% from loan to large corporate customers and loans made through international network. NPL remained manageable with strong coverage ratio. Loan to deposit ratio was 84.3%, reflecting high liquidity, and strong capital positions to support sustainable business prospects. 13 Bangkok Bank

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