Investor Presentaiton

15 Net interest income increased on higher loan volume and NIM slightly improved to 2.18% Net interest income Billion Baht 82.2 77.0 71.4 71.1 NIM, Yield on earning asset, Cost of fund % 3.72% 3.72% 3.28% 2.92% 2.96% 2.97% +13.9% YoY 45.3 2.40% 2.35% 2.24% 2.10% 2.12% 2.18% 39.7 1.52% 1.59% 1.19% 0.94% 0.96% 0.92% 2018 2019 2020 2021 1H21 1H22 2018 2019 2020 2021 1H21 1H22 Policy rate 1.750% 1.250% 0.500% 0.500% 0.500% 0.500% MLR 6.250% 6.000% 5.250% 5.250% 5.250% 5.250% MOR 7.125% 6.875% 5.875% 5.875% 5.875% 5.875% NIM Note: Include Permata's financial performance since May 2020 Yield on earning assets Cost of funds Bangkok Bank

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