Investor Presentaiton

Financial Position Dec-13 Dec-14 Dec-15 Dec-16 Growth Jun-17 Baht mn Growth %YTD %QoQ %YTD Loans/1 1,752,667 1,782,233 1,868,903 1,941,093 3.9% 1,978,391 2.8% 1.9% Deposits 1,935,272 2,058,779 2,090,965 2,178,141 4.2% 2,297,918 2.4% 5.5% LDR 90.6% 86.6% 89.4% 89.1% -0.3% 86.1% 0.4% -3.0% NPL 43,228 45,046 56,226 68,841 22.4% 85,947 10.5% 24.8% NPL ratio 2.2% 2.1% 2.8% 3.2% 0.4% 3.7% 0.2% 0.5% LLR to NPL 214% 204% 185% 174% -11% 151% -9% -23% LLR to loans 5.3% 5.2% 5.6% 6.2% 0.6% 6.6% 0.1% 0.4% Liquid assets/2 772,733 920,034 906,648 956,847 5.5% 1,034,447 0.03% 8.1% Liquid asset to total assets 29.8% 33.3% 32.0% 32.5% 0.5% 34.0% -0.5% 1.5% CET1/Tier 1 ratio/3 14.7% 15.6% 16.2% 16.8% 0.6% 17.1% -0.1% 0.3% CAR/3 17.2% 17.9% 18.3% 18.7% 0.4% ¦ 18.9% -0.1% 0.2% Note: /1 Loans Loans to customers Less Deferred revenue /2 Liquid assets consist of cash, interbank and money market assets, claims on securities and trading & available-for-sale securities /3 For 2013-2016, the ratios include net profit and deducted dividend. For Jun-17, the ratios include net profit for the first half of the year 2017. Bangkok Bank 26

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