Investor Presentaiton

Cost to income ratio remained within a manageable level while improving operational efficiency Operating expenses Billion Baht Cost to income ratio % 69.0 66.0 67.3 55.0 +18.3% YoY 39.0 41.1% 32.9 2019 2020 2021 2022 1H22 1H23 Permata's expense for 21 May - 31 Dec 2020 and one-time integration expense 23 Note: Include Permata's financial performance since May 2020 55.6% 50.0% 49.7% 50.4% 47.1% 2019 2020 2021 2022 1H22 1H23 Bangkok Bank

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