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Investor Presentaiton

25 Healthy funding and liquidity position Loan-to-deposit ratio % Liquid assets/2 % of total assets 96.3% 94.2% 38.6% 39.6% 92.3% 92.0% 37.7% 38.2% 90.6% 35.5% 35.3% 86.9% 84.3% 83.5% 84.3% 82.0% 82.3% 2019 2020 2021 2022 Mar-23 Jun-23 2019 2020 2021 2022 Mar-23 Jun-23 System/1 BBL Deposit Billion Baht, % of composition Liquidity coverage ratio/³ % 3,157 3,211 3,206 -0.3% YTD 3,200 2,811 311% 314% 2,371 287% 291% 292% 40% 37% 37% 38% 283% 270% 271% 43% 47% 60% 63% 63% 62% 57% 53% 180% 186% 183% 180% 187% 193% 185% 192% 2019 2020 2021 2022 Current and saving Mar-23 ■Fixed Jun-23 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 2Q22 4Q22 System/1 BBL Notes: /1 System refers to all commercial banks in Thailand (Source: Bank of Thailand, Bangkok Bank analysis) /2 Since 2020 liquid assets are defined as cash, interbank and money market items, debt securities and marketable equity securities /3 For BBL, LCR is computed as an average ratio of month-end LCR in the quarter. For System, LCR is as of month. Include Permata's financial performance since May 2020 Bangkok Bank

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