Investor Presentaiton

NII increased due to the consolidation of Permata and interest expense management; while NIM decreased given low interest rate environment Net interest income Billion Baht NIM, Yield on earning asset, Cost of fund % 77.0 71.4 71.1 66.6 +4.6% YoY 60.4 57.8 3.68% 3.72% 3.72% 3.28% 3.35% 2.92% 2.32% 2.40% 2.35% 2.24% 2.28% 2.10% 1.54% 1.52% 1.59% 1.19% 1.24% 0.95% 2017 2018 2019 2020¹ 9M20¹ 9M21¹ /1 2017 2018 2019 2020 9M20¹ 9M21¹ Policy rate 1.500% 1.750% 1.250% 0.500% 0.500% 0.500% MLR 6.250% 6.250% 6.000% 5.250% 5.250% 5.250% MOR 7.125% 7.125% 6.875% 5.875% 5.875% 5.875% NIM 17 Note: /1 Includes Permata's financial performance Yield on earning assets Cost of funds Bangkok Bank

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