Investor Presentaiton

Cost to income ratio remained at low 50s%, with discipline cost management Operating expenses Billion Baht Cost to income ratio % 55.2 55.0 66.0 67.3 45.4% 32.1 +2.8% YoY 32.9 41.1% 2018 2019 2020 2021 1H21 1H22 ✓ Permata's expense for 21 May - 31 Dec 2020 and one-time integration expense 17 Note: Include Permata's financial performance since May 2020 55.6% 50.0% 49.5% 50.4% 2018 2019 2020 2021 1H21 1H22 Bangkok Bank

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