Investor Presentaiton

Prudent loan growth, diversified portfolio business mix 3% QoQ loan growth in Q4 from corporate projects in pipeline, moderated decline in earlier part of the year Loan Billion Baht 2,083 -1.0% YoY 2,061 +3.0% QoQ 2,004 2,030 2,061 2,017 2,001 1,941 10 10 1,869 I 2015 2016 2017 2018 2019 Loan by business unit % of composition International 17% Mar-19 Jun-19 Sep-19 Dec-19 Loan by industry Consumer 15% Dec-19 Corporate 41% 8% Business 19% Commercial % of composition Real estate and construction Agriculture and mining 3% 10% Manufacturing 23% 12% Housing Dec-19 15% Others 23% 14% Commercial Utility and service Bangkok Bank

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