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Investor Presentaiton

Healthy funding and liquidity positions 18 Loan-to-deposit ratio Liquid assets/3 % Billion Baht 34.2% 34.8% 97.6% 98.3% 96.9% 96.3% 95.5%/2 32.5% 32.7% 32.0% 89.4% 89.1% 89.5% 1,119 86.7% 86.9% 1,052 907 957 1,018 2015 2016 2017 2018 2019 2015 2016 2017 System/1 2018 BBL 2019 Liquid assets Liquid assets/Total assets Deposit Liquidity coverage ratio/4 Billion Baht, % of composition % +1.9% YTD +0.3% QoQ 2,091 2,311 2,178 2,326 2,371 311% 288% 256% 252% 271% 48% 47% 55% 52% 49% 2015 45% 2016 48% 2017 52% 53% 180% 178% 184% 180% 51% 164% 2018 Fixed 2019 2Q17 4Q17 2Q18 4Q18 2Q19 System/1 BBL Current and saving Notes: /1 System refers to all commercial banks in Thailand /2 As of November 2019 /3 Liquid assets are defined as cash, interbank and money market assets and trading & available-for-sale securities /4 The BOT requires commercial banks to maintain Liquidity Coverage Ratio (LCR) at the end of each month not less than 60%, starting from January 1, 2016. The LCR requirement is to increase by 10% yearly until it reaches 100% on January 1, 2020. For BBL, LCR is computed as an average ratio of month-end LCR in the quarter. For System, LCR is as of month. Source: Bank of Thailand, Bangkok Bank analysis Bangkok Bank

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