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Investor Presentaiton

Continued improvement in asset quality in Q4, with NPL decreasing by 8.2% QoQ NPL Billion Baht, % 16 3.9% 3.2% 3.4% 3.4% 2.8% 68.8 56.2 3.5% 3.5% 3.6% 3.4% 87.4 -1.2% YTD 86.2 -8.2% QoQ 83.7 82.1 80.1 79.1 79.1 2015 2016 2017 2018 2019 1Q19 2Q19 3Q19 4Q19 ■ NPL amount NPL ratio Bangkok Bank

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