Investor Presentaiton

High PPOP allowed for one-off provisioning to take advantage of TFRS9 regime change Pre-provisioning operating profit (PPOP) Billion Baht Provisioning expense, Credit cost Billion Baht, % 15 CAGR +8.1% +18.9% YoY 78.8 66.2 63.5 57.7 55.4 1.1% 1.1% 0.8% 0.8% 1.6% 34.2 31.8 33.0 35.3 35.8 +1.4% YOY 32.4 22.4 22.0 14.7 15.7 2015 2016 2017 Net profit/1 Provisioning expenses Note: /1 Attributable to owners of the Bank 2018 2019 2015 Tax+other 2016 Provisioning expenses 2017 2018 2019 Credit cost (%) Bangkok Bank

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