Investor Presentaiton

Low interest environment put pressure on NIM but maintain value of franchise Net interest income Billion Baht NIM, Yield on earning asset, Cost of fund % 11 -0.4% YoY 71.4 71.1 66.6 64.0 57.5 3.90% 3.84% 3.74% 3.68% 3.72% 3.72% 3.74% 3.72% 3.57% 2.40% 2.48%- 2.34% 2.32% 2.35% 2.36% 2.35%. 2.22% 2.16% 1.96% 1.59% 1.54% 1.52% 1.59% 1.58% 1.61% 1.59% 1.57% 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 1Q19 2Q19 3Q194Q19 Policy rate 1.50% 1.50% 1.50% 1.75% 1.25% 1.75% 1.75% 1.50% 1.25% NIM Yield on earning asset Cost of fund Bangkok Bank

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