Investor Presentaiton

Resilient Position Across Business Cycle Sound loan asset quality reflects our conservative stance Coverage ratio Percentage Loan loss reserves, LLR/Loan Billion Baht, Percentage 5.3 5.2 5.6 6.2 6.6 4.4 4.5 3.5 3.5 3.8 129.9 119.5 214 204 104.2 185 92.6 91.9 60.9 174 61.2 151 55.4 BBL 56.6 58.8 System/1 142 141 69.0 130 136 58.3 132 48.8 36.0 33.1 2013 2014 2015 2016 Jun-17 2013 2014 2015 2016 Jun-17 Note: /1 System refers to all commercial bank in Thailand. Source: Bangkok Bank Analysis Bangkok Bank BBL's Excess reserves over BOT requirement (Bn Baht) I BBL's Required Reserve by BOT (Bn Baht) BBL's LLR/Loans (%) System's LLR/Loans (%) 16

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