Bank of America, N.A Bangkok Branch

BANK OF AMERICA, N.A., BANGKOK BRANCH Bank of America, N.A Bangkok Branch Basel II Pillar III Disclosures Reported as of December 31, 2010

Disclosure A: Scope of Application The Basel II Pillar III Disclosures contained within this document, relate to the Bangkok Branch of Bank of America, N.A., (BANA - Bangkok) for the period ended December 31, 2010. These disclosures are in compliance with the requirements as set forth by the Bank of Thailand notification no. SorNorSor 25/2552 Re: Information Disclosures Regarding Capital Fund Maintenance, dated December 14, 2009. Bank of America Corporation (BAC or the Corporation) has a subsidiary, Bank of America, N.A. (BANA) into which BANA - Bangkok is consolidated. BANA is the parent company of BANA - Bangkok and BAC is the parent company of BANA. Additional disclosures made by BAC that pertain to BANA may be found in the Management Discussion and Analysis filed as Exhibit 99.1 to the Corporation s Annual Report on Form 10-K filed on February 25, 2011 as well as the notes to the Consolidated Financial Statements, filed as Exhibit 99.2 to the Corporation s Annual Report on Form 10-K filed on February 25, 2011. Disclosure B: Capital Item 1: Capital Structure Qualitative Disclosure: BANA - Bangkok is a branch of a foreign bank, BANA. Total capital of BANA - Bangkok consists of assets maintained under Section 32 reduced by items deductible from capital as set forth by Bank of Thailand notification no. SorNorSor 89/2551 Re: Components of Capital of Branches of Foreign Commercial Banks, dated November 27, 2008. As of December 31, 2010, total regulatory capital was THB 2,000 million. Total assets maintained under Section 32 of the Financial Institutions Businesses Act B.E. 2551 were THB 2,666.83 million which was short-term Central Bank bonds issued by the Bank of Thailand.

Assets under Section 32 of the Financial Institutions Businesses Act B.E. 2251 Assets under Section 32 31-Dec-10 30-Jun-10 Treasury bills - 718,018,981.18 Central Bank bonds 2,666,831,155.70 1,366,575,651.00 Total Value of Capital Funds as at the Date of Maintenance 2,666,831,155.70 2,084,594,632.18 Quantitative Disclosure: Capital of Branches of Foreign Banks (Table 2) Items 31-Dec-10 30-Jun-10 1. Assets required to be maintained under Section 32 2,666,831,155.70 2,084,594,632.18 2. Sum of net capital for maintenance of assets under Section 32 and net balance of inter-office accounts (2.1+2.2) 13,119,655,030.24 3,003,947,627.90 2.1 Capital for maintenance of assets under Section 32 2,000,000,000.00 2,000,000,000.00 2.2 Net balance of inter-office accounts which the branch is the debtor to the head office and other branches located in other countries 11,119,655,030.24 1,003,947,627.90 3. Total regulatory capital (3.1-3.2) 2,000,000,000.00 2,000,000,000.00 3.1 Total regulatory capital before deductions (The lowest amount among item 1, item 2, and item 2.1) 2,000,000,000.00 2,000,000,000.00 3.2 Deductions - - Item 2: Capital Adequacy Qualitative Disclosure: BANA - Bangkok is required to calculate and report its capital adequacy ratio for regulatory reporting purposes to Bank of Thailand on a monthly basis. BANA - Bangkok is required to maintain a minimum Capital Adequacy Ratio of 7.5%. The capital adequacy position of BANA - Bangkok is reviewed and monitored on a monthly basis by the financial controller and the Country Leadership Team (CLT). BANA - Bangkok has set an internal threshold of 12% regulatory capital, above the 7.5% minimum required by the Bank of Thailand. The CLT actively monitors and maintains capital at or above the internal threshold. The CLT is responsible for ensuring branch compliance with the Corporation s policies, procedures and corporate governance practices including those relating to Basel II

The CLT is comprised of members from various functional areas of BANA-Thailand. The CLT is headed by the Country Executives. Other members of the CLT include Country Operations Officer, Senior Trader, Senior FICC Sales, Country Human Resources Manager, Country Finance Officer, Country Compliance Manager, Senior Officer - Treasury Management (MNC), Senior Officer-Treasury Management (FI), System Support Manager, Senior Officer - Portfolio Management, Global Market Risks Officer, and Regional legal counsel. Quantitative Disclosure: Total Risk-Weighted Capital Ratio (Table 8) As of December 31, 2010, BANA - Bangkok had total regulatory capital of THB 2,000 million, above the total minimum capital required of THB 746.31 million, which equals 7.5% of total risk weighted assets. The Basel II - Capital Adequacy Ratio (CAR) was 20.10 % on total risk weighted assets of THB 9,950.83 million. 31-Dec-10 30-Jun-10 Unit : % Total Capital to Risk-Weighted Assets Ratio 20.10% 85.20% Minimum Capital Requirement for Credit Risk Classified by Type of Assets under Standardized Approach Credit risk is defined as the potential risk of financial loss arising from the failure of a customer or counterparty to settle its financial and contractual obligations. The extension of commercial credit by BANA - Bangkok includes term loans, advances, overdrafts and commitments and off balance sheet facilities such as guarantees and letters of credit. BANA - Bangkok is using the Standardised Approach (SA) for credit risk as measured according to Basel II. Under the Standardised Approach for credit risk, BANA - Bangkok uses external credit ratings from Standard & Poor s, Fitch, and Thai Rating and Information Services (TRIS) to assign risk weights for capital adequacy purposes. As of December 31, 2010, the credit risk capital requirement was THB 341.49 million, which was 45.75 % of the total capital requirement of THB 746.31 million.

Minimum capital requirement for credit risk classified by type of assets under the SA (Table 3) 31-Dec-10 30-Jun-10 Performing Assets 1. Claims on Sovereigns and Central Banks, Multilateral Development Banks (MDBs), and Non-Central Government Public Sector Entities (PSEs) treated as Claims on Sovereigns 134,020,998.82-2. Claims on Financial Institutions, Non-Central Government Public Sector Entities (PSEs) treated as Claims on Financial Institutions, and Securities Firms 71,394,179.99 30,743,297.91 3. Claims on Corporate, Non-Central Government Public Sector Entities (PSEs) treated as Claims on Corporate 132,531,655.26 76,768,046.75 4. Claims on Retail Portfolios 142,375.35 195,765.48 5. Claims on Housing Loans 432,879.24 474,043.01 6. Other Assets 2,965,642.45 910,259.11 Non-Performing Assets*** - - Total Minimum Capital Requirement for Credit Risk under SA 341,487,731.11 109,091,412.26 *** Non-Performing Assets were nil as of December 31, 2010. Minimum Capital Requirement for Market Risk under Standardized Approach Market risk is the risk that values of assets and liabilities or revenues will be adversely affected by changes in market conditions, such as interest rate movements, currency exchange rates and security prices. BANA - Bangkok is using the Standardized Approach for market risk. As of December 31, 2010, the market risk capital requirement was THB 339.17 million, which was 45.45 % of the total capital requirement of THB 746.31 million. Minimum capital requirement for market risk for positions in the trading book (Table 6) 31-Dec-10 30-Jun-10 Standardized Approach 339,175,077.52 1,926,779.80

Minimum Capital Requirement for Operational Risk under Basic Indicator Approach BANA - Bangkok is using the Basic Indicator Approach for operational risk as measured according to Basel II. As of December 31, 2010, the operational risk capital requirement was THB 65.65 million, which was 8.80% of the total capital requirement of THB 746.31 million. Minimum capital requirement for operational risk (Table 7) 31-Dec-10 30-Jun-10 Basic Indicator Approach 65,649,461.27 65,034,533.23 Disclosure C: Other Risk Exposures and Assessment I. General Qualitative Disclosure BANA - Bangkok is exposed to two significant risk areas: credit risk and market risk. The Local Management Team (CLT) is accountable for all aspects of governance and oversight involved with the management of risk in BANA - Bangkok. This relates to ensuring that adequate structures are in place for proper oversight, communication, review and understanding of risk and governance issues. The CLT, working with the Lines of Business and Risk Groups within BANA-Bangkok, are responsible for ensuring that the risk management processes are being carried out appropriately in light of the risk profile and business plan as defined by the BANA - Bangkok Board and BAC corporate policy. Furthermore, the CLT is responsible for understanding the nature and level of risks being taken by BANA - Bangkok and whether these risks are sufficiently covered by its capital resources. A quarterly dashboard is presented during the CLT meetings and will provide an analysis of The level and trend of material risks and their effect on capital levels, especially for the major risks credit, market and operational risk The sensitivity and reasonableness of the capital requirements and recommend adjustments to BANA - Bangkok s strategic focus and business plan, if necessary BANA - Bangkok s capital resources relative to the various risks and whether it is in compliance with established capital adequacy goals as well as the actions to correct any shortfalls Additional disclosures regarding Risk Management made by BAC that pertain to BANA may be found in the Management Discussion and Analysis filed as Exhibit 99.1 to the Corporation s Annual Report on Form 10-K filed on February 25, 2011.

II. Qualitative and Quantitative Disclosure for each type of risk 1. Credit Risks Disclosure Item 1: General disclosures of credit risk exposures* Qualitative Disclosure: BANA - Bangkok manages credit risk based on the risk profile of the borrower or counterparty, repayment sources, the nature of underlying collateral, and other support given current events, conditions and expectations. Credit risk management starts with an assessment of the credit risk profile of the borrower or counterparty based on an analysis of their financial position. As part of the overall credit risk assessment of a borrower or counterparty, credit exposures are assigned a risk rating and are subject to approval based on defined credit approval standards. Subsequent to loan origination, risk ratings are monitored on an ongoing basis. If necessary, risk ratings are adjusted to reflect changes in the financial condition, cash flow or financial situation of a borrower or counterparty. Risk ratings are also a factor in determining the allowance for credit losses as well as economic capital allocations. As per BAC risk ratings policy, determination of risk ratings is based on industry-specific financial and non-financial factors as well as certain facility attributes. As far as possible, BANA Bangkok tries to ensure that internal risk ratings are in-line with Bank of Thailand rating categories. General and specific loan loss provisions are set in compliance with Bank of Thailand s requirement. BANA - Bangkok evaluates and manages portfolio risk to ensure that concentrations of credit exposures do not result in undesirable levels of risk. For the commercial portfolio, BAC evaluates credit concentrations by industry, product, and geographic region and customer relationships, among other factors. In order to manage concentrations for a particular sector (for example industry concentrations within the commercial portfolio), BAC reviews its credit exposures and capital allocations to that sector and compares these to assigned limits. The BAC economic capital framework utilizes a very granular specification of correlations in its credit risk model. Correlations are modeled according to the characteristics that may affect an obligor s propensity to default. For wholesale exposures, the correlation for each obligor is defined according to its risk rating, industry, size and geographic region. BANA - Bangkok s credit risk results principally from short-term placement with Interbank and time deposits with banks, loans, bank guarantees, trade finance products (such as standby letters of credit, confirmation letters of credit, acceptance, etc), and FX / derivative transactions.

Quantitative Disclosure: Outstanding amounts of significant on-balance sheet assets and off-balance sheet items before adjusted by credit risk mitigation, as of December 31, 2010 ** Item 31-Dec-10 31-Dec-09 1. On-balance sheet assets (1.1 + 1.2 + 1.3) 26,307,745,410.42 11,944,870,774.39 1.1 Net Loans 1/ 1,293,958,854.36 7,190,612,152.57 Loan 1,306,990,944.80 7,199,638,188.83 Less General Provision (13,032,090.44) (9,026,036.26) 1.2 Net Investment in debt securities 2/ 15,283,161,830.96 3,491,689,352.47 1.3 Deposits (including accrued interest receivables) 9,730,624,725.10 1,262,569,269.35 2. Off-balance sheet items 3/ (2.1 + 2.2 + 2.3) 250,065,517,634.42 25,607,664,986.25 2.1 Aval of bills, guarantees, and letter of credits 162,851,871.89 496,230,945.01 2.2 OTC derivatives4 / 246,351,912,362.07 21,950,042,228.29 2.3 Undrawn committed line 3,550,753,400.46 3,161,391,812.95 * Commercial banks shall disclose position in banking book and trading book. Assets on balance sheet not including equity exposures. Off-balance sheet items including equity exposures ** If the period-end outstanding amount is not significantly different from the average outstanding amount over the period, commercial banks need not disclose the average outstanding amount over the period 1/ Including accrued interest receivables and net of deferred incomes, allowances for doubtful accounts and allowances for revaluation from debt restructuring and including net loans of interbank and money market. 2/ Excluding accrued interest receivables and net of allowances for revaluation of securities and allowances for impairment of securities 3/ Before multiplying credit conversion factor 4/ Including equity-related derivatives For table 10-17: Please see Addendum I

Item 2: Credit risk exposures classified by credit risk-weighted assets calculation approach chosen by commercial banks 2.1 Credit risk exposures under the SA Qualitative Disclosure: BANA - Bangkok uses external credit ratings from Standard & Poor s, Fitch, and Thai Rating and Information Services (TRIS) to assign risk weights for capital adequacy purposes according to Bank of Thailand Notification no. SorNorSor 90/2551 RE: Regulations for Credit Risk Asset Calculations for Commercial Banks Using the Standard Approach, dated November 27, 2008. Quantitative Disclosure: For table 19: Please see Addendum II

Item 3: Credit risk mitigation under the SA BANA - Bangkok does not have any eligible financial collateral that the Bank of Thailand allows to use as credit risk mitigation items. 2. Disclosure on market risk for trading book position Item 4: Market Risk Exposure Item 4.1: Market Risk under Standardized Approach Qualitative Disclosure: BANA - Bangkok calculates its capital charge for market risk by using the Standardized Approach as per Bank of Thailand notification no. SorNorSor 94/2551 Re: Guideline on Supervision of Market Risk and Capital Requirement for Market Risk of Financial Institutions, dated November 27, 2008. As per Bank of Thailand s definition, banks with the average amount of THB-equivalent transactions in a trading book of all currencies over the last 6 months, July to December 2010, of over THB 3,000 million, are considered to have significant positions in the trading book and are required to maintain capital for market risk associated with the following: 1) Interest Rate Risk 2) Equity Position Risk 3) Foreign Exchange Rate Risk 4) Commodity Risk For BANA - Bangkok, market risk is inherent in its operations and arises from both trading and banking positions. Trading exposures represent positions taken in forward exchange contracts, cross currency swaps, and interest rate swaps which expose BANA - Bangkok to interest rate and foreign exchange rate risk. BANA Bangkok has no equity or commodity positions. Quantitative Disclosure:

Minimum Capital Requirement of each type of market risk under Standardized Approach As of December 31, 2010, the market risk capital requirement was THB 339.17 million, which was 45.45% of the total capital requirement of THB 746.31 million. As of December 31, 2010 and June 30, 2010, capital charged for interest rate risk and foreign exchange rate risks were as follows. Minimum capital requirements for each type of market risk under the Standardized Approach (Table 30) 31-Dec-10 Unit: THB 30-Jun-10 Interest Rate Risk 326,397,014.68 1,871,579.26 Foreign Exchange Rate Risk 12,778,062.84 55,200.54 Total Minimum Capital Requirement for Market Risk 339,175,077.52 1,926,779.80 3. Disclosure on operational risk Item 5: Operational Risk Exposure Item 5.1: Operational Risk under Basic Indicator Approach Qualitative Disclosure: Operational risk is the risk of loss resulting from inadequate or failed internal processes, people, and systems or from external events. BANA - Bangkok calculates its capital charge for operational risk by using the Basic Indicator Approach as per Bank of Thailand notification no. SorNorSor. 95/2551 Re: Guidelines on Minimum Capital Maintenance for Operational Risk. By utilizing the Basic Indicator Approach to measure operational risk BANA - Bangkok utilizes the average of three years adjusted gross income multiplied by a predefined factor resulting in required capital of THB 65.65 million at December 31, 2010.

Quantitative Disclosure: Averaged Adjusted Gross Income and Total Operational Risk-Weight Assets Adjusted Gross Income Year 31-Dec-10 30-Jun-10 Year 1 (Jan'10 - Dec'10) 500,294,355.59 Year 2 (Jan'09 - Dec'09) 303,173,525.40 Year 3 (Jan'08 - Dec'08) 597,053,959.44 Year 1 (Jul'09 - Jun'10) 309,891,626.00 Year 2 (Jul'08 - Jun'09) 446,248,324.57 Year 3 (Jul'07 - Jun'08) 631,263,425.08 Averaged Adjusted Gross Income 466,840,613.48 462,467,791.88 Total Operational Risk-Weighted Assets 875,326,150.25 867,127,109.75 4. Disclosure on equity exposures Item 6: Equity exposures in the banking book BANA - Bangkok does not have any exposures in equity in its banking book. 5. Disclosure on interest rate risk in banking book Item 7: Interest rate risk exposure in banking book Qualitative Disclosure: Interest rate risk for the BAC is managed centrally through corporate asset liability management process. BAC assigns interest rate risk capital based on a long term net interest income (LT-NII) sensitivity approach. 1 This approach models NII sensitivity on a present value basis by modeling yield curves scenarios and balance sheet (current and future) over a six-year forward window. Interest rate risk capital is set to a 99.97% confidence level. Presently, this is allocated to the different businesses according to plan numbers and any variance between Plan and actual is kept by Corporate Treasury. Currently, however, there is no economic capital for interest rate risk allocated directly to the international entities. 1 Interest Rate Risk Capital Methodology Long Term NII Framework. Lapushin, Daniel and Yan Peng, December 2007, provides description of the interest rate risk model.

BANA Bangkok s interest rate risk in Banking Book is effectively managed by the local entity. Any interest rate risk in these positions is measured, together with trading book positions, through the Daily Earnings-at-Risk (DEaR) process. They are subsequently captured and quantified in the Trading risk capital allocation. The majority of assets lie with overnight placements, funded mainly by clients deposits on the liabilities side. There is only a small amount of interest rate risk in the banking book. Additional disclosures made by BAC regarding Interest Rate Risk Management that pertain to BANA may be found in the Management Discussion and Analysis filed as Exhibit 99.1 to the Corporation s Annual Report on Form 10-K filed on February 25, 2011 Quantitative Disclosure: The effect of changes in interest rates* to net earnings (Table 33) Currency 31-Dec-10 Effect to net earnings 31-Dec-09 Effect to net earnings Baht 58,004,786.44 58,401,610.88 USD (103,226,367.58) 3,467,038.90 EURO (402,575.35) (199,860.27) SGD (476.11) - Others - - *Use the percentage increased in interest rates of 100 bps Total effect (45,624,632.60) 61,668,789.51

Addendum I Table 10 : Outstanding amounts of on-balance sheet assets and off-balance sheet items before adjusted credit risk mitigation classified by country or geographic area of debtor* as of December 31, 2010 31-DEC-2010 On-balance sheet assets Off-balance sheet items 3/ Country or geographic area of debtor Total Net loans 1/ Net Investment in debt securities 2/ Deposits (including accrued interest receivables) Total Aval of bills, guarantees, and letter of credits OTC derivatives Undrawn committed line 1. Thailand 26,299,933,348.92 1,286,190,584.15 15,283,161,830.96 9,730,580,933.81 237,539,510,215.17 153,677,630.31 234,124,905,690.59 3,260,926,894.27 2. Asia Pacific (exclude Thailand) 20,812,625.95 20,800,360.65-12,265.30 - - - - 3. North America and Latin America - - - - 12,085,894,087.53 9,174,241.58 11,786,893,339.76 289,826,506.19 4. Africa and Middle East 5. Europe Deduct General Provision - - - - - - - - 31,525.99 - - 31,525.99 440,113,331.72-440,113,331.72 - (13,032,090.44) (13,032,090.44) - - - - - - Total 26,307,745,410.42 1,293,958,854.36 15,283,161,830.96 9,730,624,725.10 250,065,517,634.42 162,851,871.89 246,351,912,362.07 3,550,753,400.46 * Commercial banks shall classify countries or geographic areas according to guidelines used in their internal management and shall explain supporting reasons 1/ Including accrued interest receivables and net of deferred incomes, allowances for doubtful accounts and allowances for revaluation from debt restructuring and including net loans of interbank and money market. 2/ Excluding accrued interest receivables and net of allowances for revaluation of securities and allowances for impairment of securities 3/ Before multiplying credit conversion factor

31-DEC-2009 On-balance sheet assets Off-balance sheet items 3/ Country or geographic area of debtor Total Net loans 1/ Net Investment in debt securities 2/ Deposits (including accrued interest receivables) Total Aval of bills, guarantees, and letter of credits OTC derivatives Undrawn committed line 1. Thailand 11,149,150,340.13 7,199,638,188.83 3,491,689,352.47 457,822,798.83 18,637,299,325.28 272,406,225.28 15,453,899,707.77 2,910,993,392.23 2. Asia Pacific (exclude Thailand) 800,868,204.60 - - 800,868,204.60 721,253.93 721,253.93 - - 3. North America and Latin America - - - - 4,563,640,276.17 223,103,465.80 4,090,138,389.65 250,398,420.72 4. Africa and Middle East - - - - - - - - 5. Europe 3,878,265.92 - - 3,878,265.92 2,406,004,130.87-2,406,004,130.87 - Deduct General Provision (9,026,036.26) (9,026,036.26) - - - - - - Total 11,944,870,774.39 7,190,612,152.57 3,491,689,352.47 1,262,569,269.35 25,607,664,986.25 496,230,945.01 21,950,042,228.29 3,161,391,812.95 * Commercial banks shall classify countries or geographic areas according to guidelines used in their internal management and shall explain supporting reasons 1/ Including accrued interest receivables and net of deferred incomes, allowances for doubtful accounts and allowances for revaluation from debt restructuring and including net loans of interbank and money market. 2/ Excluding accrued interest receivables and net of allowances for revaluation of securities and allowances for impairment of securities 3/ Before multiplying credit conversion factor

Table 11: Outstanding amounts of on-balance sheet assets and off balance sheet items before credit risk mitigation classified by residual maturity as of December 31, 2010 31-DEC-2010 31-DEC-2009 Maturity not exceeding 1 year Maturity exceeding 1 year Total Maturity not exceeding 1 year Maturity exceeding 1 year Total Items 1. On-balance sheet assets (1.1 + 1.2 + 1.3) 25,822,594,258.79 485,151,151.63 26,307,745,410.42 11,925,177,248.82 19,693,525.57 11,944,870,774.39 1.1 Net loans 1/ 1,275,943,766.82 18,015,087.54 1,293,958,854.36 7,170,918,627.00 19,693,525.57 7,190,612,152.57 Loans 1,288,794,053.16 18,196,891.64 1,306,990,944.80 7,179,944,663.26 19,693,525.57 7,199,638,188.83 Less General Provision (12,850,286.34) (181,804.10) (13,032,090.44) (9,026,036.26) - (9,026,036.26) 1.2 Net Investment in debt securities 2/ 14,816,025,766.87 467,136,064.09 15,283,161,830.96 3,491,689,352.47-3,491,689,352.47 1.3 Deposits (including accrued interest receivables) 9,730,624,725.10-9,730,624,725.10 1,262,569,269.35-1,262,569,269.35 2. Off-balance sheet items 3/ (2.1 + 2.2 + 2.3) 195,993,541,398.33 54,071,976.236.09 250,065,517,634.42 25,607,664,986.25-25,607,664,986.25 2.1 Aval of bills, guarantees, and letter of credits 162,851,871.89-162,851,871.89 496,230,945.01-496,230,945.01 2.2 OTC derivatives 192,279,936,125.98 54,071,976.236.09 246,351,912,362.07 21,950,042,228.29-21,950,042,228.29 2.3 Undrawn committed line 3,550,753,400.46-3,550,753,400.46 3,161,391,812.95-3,161,391,812.95 1/ Including accrued interest receivables and net of deferred incomes, allowances for doubtful accounts and allowances for revaluation from debt restructuring and including net loans of interbank and money market. 2/ Excluding accrued interest receivables and net of allowances for revaluation of securities and allowances for impairment of securities 3/ Before multiplying credit conversion factor

Table 12: Outstanding amounts of loans including accrued interest receivables and investment in debt securities before adjusted by credit risk mitigation classified by country or geographical area of debtor* and asset classification as prescribed by the Bank of Thailand as of December 31, 2010 31-DEC-2010 Country or geographic area of debtor Normal Loans including accrued interest receivables 1/ Special mentioned Substandard Doubtful Doubtful loss Total Specific provision for Investment in debt securities 1. Thailand 1,286,190,584.15 - - - - 1,286,190,584.15-2. Asia Pacific (exclude Thailand) 20,800,360.65 - - - - 20,800,360.65-3. North America and Latin America - - - - - - - 4. Africa and Middle East - - - - - - - 5. Europe - - - - - - - Total 1,306,990,944.80 - - - - 1,306,990,944.80 -

31-DEC-2009 Country or geographic area of debtor Normal Loans including accrued interest receivables 1/ Special mentioned Substandard Doubtful Doubtful loss Total Specific provision for Investment in debt securities 1. Thailand 7,199,638,188.83 - - - - 7,199,638,188.83-2. Asia Pacific (exclude Thailand) - - - - - - - 3. North America and Latin America - - - - - - - 4. Africa and Middle East - - - - - - - 5. Europe - - - - - - - Total 7,199,638,188.83 - - - - 7,199,638,188.83 - * Commercial banks shall classify countries or geographic areas according to guidelines used in their internal management and shall explain supporting reasons 1/ Including outstanding amounts of loans and interest receivable receivables of interbank and money market

Table 13: Provisions (General and Specific) and bad debt written-off during period for loan including accrued interest receivables and investment in debt securities classified by country or geographic area* as of December 31, 2010 31-Dec-10 Loans including accrued interest receivables 1/ Specific provision for Country or geographic area of debtor General provision 2/ Specific provision Bad debt written-off during period Investment in debt securities 1. Thailand 2. Asia Pacific (exclude Thailand) 3. North America and Latin America 4. Africa and Middle East 5. Europe Total 13,032,090.44 - - - * Commercial banks shall classify countries or geographic areas according to guidelines used in their internal management and shall explain supporting reasons. 1/ Including provision and bad debt written-off during period of loans including accrued interest receivables of interbank and money market 2/ Disclosed in total amount

31-Dec-09 Loans including accrued interest receivables 1/ Specific provision for Country or geographic area of debtor General provision 2/ Specific provision Bad debt written-off during period Investment in debt securities 1. Thailand 2. Asia Pacific (exclude Thailand) 3. North America and Latin America 4. Africa and Middle East 5. Europe Total 9,026,036.26 - - - * Commercial banks shall classify countries or geographic areas according to guidelines used in their internal management and shall explain supporting reasons. 1/ Including provision and bad debt written-off during period of loans including accrued interest receivables of interbank and money market 2/ Disclosed in total amount

Table 14: Outstanding amount of loans including accrued interests* before adjusted by credit risk mitigation classified by type of business and by asset classification specified by the Bank of Thailand as of December 31, 2010 31-Dec-10 Type of business Normal Special mentioned Substandard Doubtful Doubtful loss Total - Agriculture and mining - - - - - - - Manufacturing and commerce 1,267,801,608.44 - - - - 1,267,801,608.44 - Real estate business and construction - - - - - - - Public utilities and services - - - - - - - Housing loans 16,490,637.74 - - - - 16,490,637.74 - Others - - Sovereigns - - - - - - - Bank 20,800,360.65 - - - - 20,800,360.65 - Consumer Loan 1,898,337.97 - - - - 1,898,337.97 Total 1,306,990,944.80 - - - - 1,306,990,944.80

Type of business 31-Dec-09 Normal Special mentioned Substandard Doubtful Doubtful loss Total - Agriculture and mining - - - - - - - Manufacturing and commerce 878,870,909.45 - - - - 878,870,909.45 - Real estate business and construction - - - - - - - Public utilities and services 98,546.93 - - - - 98,546.93 - Housing loans 17,037,051.24 - - - - 17,037,051.24 - Others - - Sovereign 6,300,865,150.67 - - - - 6,300,865,150.67 - Bank - - - - - - - Consumer Loan 2,766,530.54 - - - - 2,766,530.54 Total 7,199,638,188.83 - - - - 7,199,638,188.83 * Including outstanding amount of loans including accrued interest receivables of interbank and money market

Table 15: Provisions (General and Specific) and bad debt written-off during period for loans including accrued interest receivables* classified by types of business as of December 31, 2010 Unit: THB 31-Dec-10 31-Dec-09 Type of business General provision 1/ Specific provision Bad debt written-off during period General provision 1/ Specific provision Bad debt written-off during period - Agriculture and mining - Manufacturing and commerce - Real estate business and construction - Public utilities and services - Housing loans - Other Total 13,032,990.44 - - 9,026,036.26 - - * Including outstanding amount of loans including accrued interest receivables of interbank and money market 1/ Disclosed in total amount

Table 16: Reconciliation of change in provisions (General and Specific) for loans including accrued interest receivables* Item 31-Dec-10 31-Dec-09 General provision Specific provision Total General provision Specific provision Total Provisions at the beginning of the period 9,026,036.26-9,026,036.26 7,202,197.52-7,202,197.52 Bad debts written-off during the period - - - - - - Increases or Decreases of provisions during the period 4,006,054.18-4,006,054.18 1,823,838.74-1,823,838.74 Other provisions (provisions for losses from foreign exchange, provisions for merger and sale of businesses) - - - - - - Provisions at the end of the period 13,032,090.44-13,032,090.44 9,026,036.26-9,026,036.26 * Including outstanding amount of loans including accrued interest receivables of interbank and money market

Table 17: Outstanding amounts of on-balance sheet assets and off-balance sheet items* classified by type of assets under the SA 31-Dec-10 31-Dec-09 Type of assets On balance sheet assets Off balance sheet item ** Total On balance sheet assets Off balance sheet item ** Total 1. Performing claims 1.1 Claims on sovereigns and central banks, multilateral development banks (MDBs), and non-central government public sector entities (PSEs) treated as claims on sovereigns 25,007,410,126.54 90,453,899.48 25,097,864,026.02 10,242,588,874.00 10,242,588,874.00 1.2 Claims on financial institutions, non-central government public sector entities (PSEs) treated as claims on financial institutions, and securities firms 27,409,611.25 2,813,797,378.40 2,841,206,989.65 812,534,898.49 191,270,083.22 1,003,804,981.71 1.3 Claims on corporates, non-central government public sector entities (PSEs) treated as claims on corporate 1,267,801,608.44 574,769,607.91 1,842,571,216.35 878,969,456.38 353,559,627.03 1,232,529,083.41 1.4 Claims on retail portfolios 1.5 Housing loans 1.6 Other assets 2. Non-performing claims 1,898,337.97-1,898,337.97 2,766,530.54-2,766,530.54 16,490,637.74-16,490,637.74 17,037,051.24-17,037,051.24 1,467,124,415.77-1,467,124,415.77 111,529,019.66-111,529,019.66 - - - - - - 3. First-to-default credit derivatives and Securitization - - - - - - Total 27,788,134,737.71 3,479,020,885.79 31,267,155,623.50 12,065,425,830.31 544,829,710.25 12,610,255,540.56 * After multiplying with credit conversion factor and specific provision ** Including all Repo-style transactions (including Reverse repo transactions)

Addendum II Table 19: Outstanding amount of net on-balance sheet assets and off-balance sheet items** after adjusted by credit risk mitigation for each type of asset, classified by risk weight under the SA

Type of asset 31-Dec-10 Rated outstanding amount Unrated outstanding amount Risk weight (%) 0 20 50 100 0 35 75 100 Performing claims 1. Claims on sovereigns and central banks, multilateral development banks (MDBs), and non-central governement public sector entities (PSEs) treated as claims on sovereigns 16,163,130,771.35 8,934,733,254.67 2 Claims on financial institutions, noncentral governement public sector entities (PSEs) treated as claims on financial institutions, and securities firms 3. Claims on corporates, non-central governement public sector entities (PSEs) treated as claims on corporate 2,351,603,237.55 16,003,999.59 473,599,752.51 150,964,959.05 1,691,606,257.30 4. Claims on retail portfolios - 1,898,337.97 5. Claims on housing loans 6. Other assets Risk weight (%) 50 100 1,427,582,516.50 16,490,637.74 - - 39,541,899.27 Non-performing claims 1/ - - Capital deduction items prescribed by the Bank of Thailand ** After multiplying credit conversion factor 1/ For the portion claims with no credit risk mitigation of which risk weight are determined by the proportion of provision to total amount of claims

Type of asset 31-Dec-09 Rated outstanding amount Unrated outstanding amount Risk weight (%) 0 20 50 100 0 35 75 100 Performing claims 1. Claims on sovereigns and central banks, multilateral development banks (MDBs), and non-central governement public sector entities (PSEs) treated as claims on sovereigns 10,242,588,874.00 2 Claims on financial institutions, noncentral governement public sector entities (PSEs) treated as claims on financial institutions, and securities firms 3. Claims on corporates, non-central governement public sector entities (PSEs) treated as claims on corporate 996,805,845.36 6,999,136.36 200,389,900.28 1,032,139,183.12 4. Claims on retail portfolios 2,766,530.54-5. Claims on housing loans 17,037,051.24 - - 6. Other assets 87,168,067.40 24,360,952.26 Risk weight (%) 50 100 Non-performing claims 1/ - - Capital deduction items prescribed by the Bank of Thailand ** After multiplying credit conversion factor 1/ For the portion claims with no credit risk mitigation of which risk weight are determined by the proportion of provision to total amount of claims