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Transcription:

Investor Presentation For 216

Bangkok Bank 1. Operating Environment 2. Our Financial Results 216 3. Bangkok Bank s Position 4. Our Key Focus & Strategy 2

The Thai Economy: Steady Trend of Moderate Recovery GDP growth YoY (%) Global economic recovery Large scale fiscal stimulus 4.6% 5.1% 5.% Global financial crisis 2.5% 7.8% 7.3% Strong Baht appreciation up to taper tantrum 2.8% Collapse in oil price Brexit US election 2.9% 3.2% 3-4%.1%.9% -2.3% Great floods 25 26 27 28 29 21 211 212 213 214 215 216 217f Source: National Economic and Social Development Board of Thailand and Bank of Thailand 217f GDP forecast by Bangkok Bank Since 212 GDP Revised by Chain Volume Measures 3

With Fragile Global Economic Recovery, ASEAN Presents Major Opportunities Going Forward World Population : 7.3 bn 4 4 3 3 3.1 3.4 3.6 3.7 3.7 3.8 US Population : 321 mn 3 3 2 2 1 1 1.6 2.3 2.5 1.9 1.7 1.6 216F 218F 22F Euro area Population : 339 mn 2 2 2 2 2 1 1 1 1.7 1.6 1.6 1.5 1.5 1.5 216F 218F 22F China Population : 1,371 mn 7 7 6 6 5 2 6.7 6.5 6. 6. 5.9 5.8 216F 218F 22F 216F 217F 218F 219F 22F 221F Japan Population : 127mn 2 1 1.9.8.5.7.1.6 216F 218F 22F Note: Population as of 215 * Composed of 5 countries: Indonesia, Malaysia, Philippines, Thailand, and Vietnam Source: International Monetary Fund, World Economic Outlook update January 217, The World Bank ASEAN* Population : 631 mn 6 5 5 5 5 5 4 4.8 4.9 5.2 5.4 5.5 5.5 216F 218F 22F 4

Fiscal Policy Supporting Thailand s Recovery Exports Billion Baht Consumption indicators Index (21=1) 1, 8 6 2% -1% 15 12 9 2 16 12 4-4% 6 8 2-7% 3 4 14 12 1-1% Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Jan Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Feb 213 214 215 216 217 213 214 215 216 217 Investment indicators Index Exports %YoY 6 55 Billion Baht 7 8 4 5 6 3 4 45 2 2 1 Avg. FY216 FY217 4 FY214-16 Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Feb 213 214 215 216 217 Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Private investment index 21=1 (L) Manufactuing Production Index 211=1 (L) Note: Excluding subsidies/grants and other Business Sentiment Index (R) Source: Bank of Thailand, The Office of Industrial Economics, Center for Economic and Business Forecasting, Bureau of Budget and Fiscal Policy Office and Thailand Stock Exchange 6 5 Private Consumption index (L) Consumer Confidence Index (R) Government investment expenditure 5

Infrastructure Projects in the Pipeline 215-222 Infrastructure Projects 1.797 Trillion Baht 217 Transport Action Plan 36 Projects, 896 Billion Baht 1 2 3 4 5 Inter-city rail network Baht 1,184.1 billion Transportation in Bangkok & vicinity Baht 396.6 billion Highway network Baht 16.4 billion Water transportation Baht 3.9 billion Air transport Baht 51.6 billion Inter-city rail network Under construction: Chira-Khonkhaen Mapkabao-Chacherngsao Approved by the cabinet: 2 projects To be proposed to the cabinet: 4 projects Transportation in Bangkok & vicinity Under procurement: Yellow/Pink/Orange Lines Proposal development: 7 lines Highway network Under construction: Bang Pa In-Korat Bang Yai-Kanchanaburi Bangkok-Rayong Air Transport Under construction: Suvannabhumi Phase II Other Projects High-speed trains: Bangkok-Korat, Bangkok-Rayong Eastern Economic Corridor Source: Office of Transport and Traffic Policy and Planning, Ministry of Transport 6

Opportunities from Regionalization & Urbanization Higher Connectivity in the AEC Thailand's Top 5 Trading Partners China Japan USA CLMV Malaysia 5% of total trade 9% of total trade 8% of total trade 16% of total trade 12% of total trade 1 2 3 4 5 6 7 Note: Trading value of 216 Billions of Dollar Source: Ministry of Commerce FDI into Thailand & CLMV and Thailand s Investment in CLMV Billions of dollars 3 25 2 15 1 5 Thailand (3.5) Vietnam (9.2) Cambodia Lao PDR Myanmar Thailand (1.8) Vietnam (11.8) 214 215 Source: ASEAN Secretariat, ASEAN FDI database, Bank of Thailand Thailand Investment in CLMV (Right axis) 5 4.5 4 3.5 3 2.5 2 1.5 1.5 7

Thailand s New Engine of Growth Next-Generation Automotive Smart Electronics Affluent, Medical & Wellness Tourism Agriculture & Biotechnology Food for the Future 1 Target Industries Robotics Aviation & Logistics Biofuels & Biochemicals Digital Medical Hub 8

Digitalization Challenges & Opportunities Everyday-transactions to be made anywhere at anytime Disrupted the way doing business in various industries Digital Economy National e-payment Intermediary Bypass PromptPay EDC & Card Usage Expansion E-Tax Government E-Payments Anytime, Anywhere, Any devices 9

Bangkok Bank 1. Operating Environment 2. Our Financial Results 216 3. Bangkok Bank s Position 4. Our Key Focus & Strategy 1

Loan Growth and Composition Loan Billion Baht 1,143 1,256 1,47 1,64 1,753 1,782 1,869 +3.9% YTD 1,941 29 21 211 212 213 214 215 216 Loan by Business Unit As at December 216 International +3.3% YTD Consumer +7.8% YTD Business -3.8% YTD 14% 1% 16% 2% Commercial +3.8% YTD 4% Corporate +4.8% YTD Loan by Industry As at December 216 Real Estate & Construction -2.2% YTD Housing +5.5% YTD Others +12.3% YTD 9% 11% 15% Agriculture & Mining +1.4% YTD 16% 26% 21% Manufacturing -4.3% YTD Utilities & Services +13.5% YTD Commercial +2.4% YTD 11

1. 5. - (5.) (1. ) 52.2 15.3 25.7 34.7 28.5 36.6 35.2 37.3 46.7 38.1 51.6 36. 56.6 36. 58.8 33.1 55.4 48.8 61.2 58.3 Asset Quality and Loan Loss Reserves NPL amount, NPL ratio Billion Baht, Percentage Provisioning expenses Billion Baht 18 7.9 16 14 12 1 8 6 4 82.1 4.6 4.4 55.1 55.6 3. 2.7 2.3 2.2 2.1 2.8 3.2 45.6 42.6 42.3 43.2 45. 56.2 68.8 2 18 16 14 12 1 8 6 5.6 6.6 7.6 7.6 12. 7.2 8.6 8.7 14.7 15.7 4 2 2 27 28 29 21 211 212 213 214 215 216 NPL Amount (Bn Baht) NPL Ratio (%) 27 28 29 21 211 212 213 214 215 216 Provisioning expenses One-time provisioning expenses 3 25 2 15 1 Coverage ratio Percentage 5 82 11 117 159 199 27 214 24 185 174 27 28 29 21 211 212 213 214 215 216 15. 12. 9. 6. 3. - Loan loss reserves, LLR/Loan Billion Baht, Percentage 6.5 5.1 5.7 5.8 5.8 5.5 5.3 5.2 5.6 6.2 67.5 6.4 65.1 72.5 84.7 87.6 92.6 91.9 119.5 14.2 27 28 29 21 211 212 213 214 215 216 Excess reserves over BOT requirement (Bn Baht) Required Reserve by BOT (Bn Baht) LLR/Loans (%) 12-2. -19.94-19.89-19.83-19.77-19.72-19.66-19.6-19.54-19.49-19.43-19.37-19.32-19.26-19.2-19.15-19.9-19.3-18.97-18.92-18.86-18.8-18.75-18.69-18.63-18.58-18.52-18.46-18.4-18.35-18.29-18.23-18.18-18.12-18.6-18.1-17.95-17.89-17.83-17.78-17.72-17.66-17.61-17.55-17.49-17.44-17.38-17.32-17.26-17.21-17.15-17.9-17.4-16.98-16.92-16.87-16.81-16.75-16.69-16.64-16.58-16.52-16.47-16.41-16.35-16.3-16.24-16.18-16.12-16.7-16.1-15.95-15.9-15.84-15.78-15.73-15.67-15.61-15.55-15.5-15.44-15.38-15.33-15.27-15.21-15.16-15.1-15.4-14.98-14.93-14.87-14.81-14.76-14.7-14.64-14.59-14.53-14.47-14.41-14.36-14.3-14.24-14.19-14.13-14.7-14.2-13.96-13.9-13.84-13.79-13.73-13.67-13.62-13.56-13.5-13.45-13.39-13.33-13.27-13.22-13.16-13.1-13.5-12.99-12.93-12.88-12.82-12.76-12.7-12.65-12.59-12.53-12.48-12.42-12.36-12.31-12.25-12.19-12.13-12.8-12.2-11.96-11.91-11.85-11.79-11.74-11.68-11.62-11.56-11.51-11.45-11.39-11.34-11.28-11.22-11.17-11.11-11.5-1.99-1.94-1.88-1.82-1.77-1.71-1.65-1.6-1.54-1.48-1.42-1.37-1.31-1.25-1.2-1.14-1.8-1.3-9.97-9.91-9.85-9.8-9.74-9.68-9.63-9.57-9.51-9.46-9.4-9.34-9.28-9.23-9.17-9.11-9.6-9. -8.94-8.89-8.83-8.77-8.71-8.66-8.6-8.54-8.49-8.43-8.37-8.32-8.26-8.2-8.14-8.9-8.3-7.97-7.92-7.86-7.8-7.75-7.69-7.63-7.57-7.52-7.46-7.4-7.35-7.29-7.23-7.18-7.12-7.6-7. -6.95-6.89-6.83-6.78-6.72-6.66-6.61-6.55-6.49-6.43-6.38-6.32-6.26-6.21-6.15-6.9-6.4-5.98-5.92-5.86-5.81-5.75-5.69-5.64-5.58-5.52-5.47-5.41-5.35-5.29-5.24-5.18-5.12-5.7-5.1-4.95-4.9-4.84-4.78-4.72-4.67-4.61-4.55-4.5-4.44-4.38-4.33-4.27-4.21-4.15-4.1-4.4-3.98-3.93-3.87-3.81-3.76-3.7-3.64-3.58-3.53-3.47-3.41-3.36-3.3-3.24-3.19-3.13-3.7-3.1-2.96-2.9-2.84-2.79-2.73-2.67-2.62-2.56-2.5-2.44-2.39-2.33-2.27-2.22-2.16-2.1-2.5-1.99-1.93-1.87-1.82-1.76-1.7-1.65-1.59-1.53-1.48-1.42-1.36-1.3-1.25-1.19-1.13-1.8-1.2 -.96 -.91 -.85 -.79 -.73 -.68 -.62 -.56 -.51 -.45 -.39 -.34 -.28 -.22 -.16 -.11 -.5.1.6.12.18.24.29.35.41.46.52.58.63.69.75.81.86.92.98 1.3 1.9 1.15 1.2 1.26 1.32 1.38 1.43 1.49 1.55 1.6 1.66 1.72 1.77 1.83 1.89 1.95 2. 2.6 2.12 2.17 2.23 2.29 2.34 2.4 2.46 2.52 2.57 2.63 2.69 2.74 2.8 2.86 2.91 2.97 3.3 3.9 3.14 3.2 3.26 3.31 3.37 3.43 3.48 3.54 3.6 3.66 3.71 3.77 3.83 3.88 3.94 4. 4.5 4.11 4.17 4.23 4.28 4.34 4.4 4.45 4.51 4.57 4.62 4.68 4.74 4.8 4.85 4.91 4.97 5.2 5.8 5.14 5.19 5.25 5.31 5.37 5.42 5.48 5.54 5.59 5.65 5.71 5.76 5.82 5.88 5.94 5.99 6.5 6.11 6.16 6.22 6.28 6.33 6.39 6.45 6.51 6.56 6.62 6.68 6.73 6.79 6.85 6.9 6.96 7.2 7.8 7.13 7.19 7.25 7.3 7.36 7.42 7.47 7.53 7.59 7.65 7.7 7.76 7.82 7.87 7.93 7.99 8.4 8.1 8.16 8.22 8.27 8.33 8.39 8.44 8.5

Funding Growth with Improving Deposit Mix Deposit Baht bn, Percentage of composition 87.4% 9.6% 86.6% 89.4% 89.1% 1,835 1,935 2,59 2,91 2,178 57% 58% 58% 55% 52% +4.2% YTD 43% 42% 42% 45% 48% 212 213 214 215 216 Current & Saving Fixed LDR ratio 13

Total Income and Operating Expenses Income breakdown Baht bn, Percentage of composition NIM Percentage 12.7 15.9 21% 17% 44% 23% 23% 4% Other Income 2.16% +18 bps YoY 2.34% 56% 6% Net Fee Income Net Interest Income 215 216 Cost-to-income ratio Percentage 43.8% 47.7% 215 216 1 215 216 Net fee income ratio Percentage 23.4% 23.1% 215 216 14

Overall Profitability Profitability drivers For 216 Billion Baht 15.9 Non Interest Income Net Interest Income 41.9 64. -5.5-15.7-7.6 31.8 Total Operating Provisioning Tax Net Profit Revenue Expenses Expenses /1 Note: /1 Owners of the Bank 15

Bangkok Bank 1. Operating Environment 2. Our Financial Results 216 3. Bangkok Bank s Position 4. Our Key Focus & Strategy 16

Scale and Franchise Leadership Our strong, long-standing relationships and extensive regional network position us to benefit from the opportunities provided by current market trends Market Leader in Corporate & SMEs Multi-tiered Distribution Platform Large Retail Customer Base Full Range of Products & Services Bangkok Bank Longpresence International Branches Strong Domestic Network 17

Sustainable Liquidity and Funding Our respectable liquidity ratio is supported by diversified customer base in Thailand Baht bn 3, 2, +4.2% YTD 1, Stable deposit base 29 211 213 215 216 Regulatory Economic Momentum 11% 1% 9% 8% 7% 6% System /1 96.6% 29 211 213 215 BBL 89.1% 216 Wellpositioned LDR Adequate liquid assets Others 68% Liquid assets 32% Note: Data as at December 216 /1 System refers to all commercial bank in Thailand Source: Bank of Thailand, Bangkok Bank Analysis 18

Strong Capital Position Our prudent policy of capital and liquidity enable us to capture future business opportunities while meeting the challenges of regulatory requirements Total Capital (Baht bn) Common Equity Tier 1 Ratio Tier 1 Ratio Total Capital Adequacy Ratio 45 387 42 43 16.8% 16.8% 18.7% Regulatory 342 361 7.% 8.5% 11.% Economic Momentum 5.125% 6.625% 9.125% Dec-15 Dec-16 Tier 2 capital CE Tier1/ Tier 1 capital Basel III Capital requirements /1 as of the year 219 Capital requirements /1 until the end of 216 BBL s ratio /2 as of December 31, 216 Note: /1 The Bank of Thailand requires commercial banks to maintain an additional capital conservation buffer. The buffer will gradually increase by more than.625% each year from January 1, 216 until it reaches more than 2.5% in January 1, 219 /2 The ratios include net profit for the second half of 216 and the deduction of dividends to be paid in May 217 19

Resilient Position Across Business Cycle Diversification supports earning stability Loan breakdown Percentage of composition 15% International 16% Consumer 11% 14% 11% Business 1% 18% Commercial 2% 45% Corporate 4% Agri & mining 2% 2% 9% Housing 9% 1% Real estate & cons 11% 15% 15% Other 18% Commercial 16% 16% Utilities & 21% services 3% Manufacturing 26% Income breakdown Baht bn, Percentage of composition 91.5 39% 96.9 12.7 39% 44% 15.9 4% 61% 61% 56% 6% 213 216 By business unit 213 216 By Industry 213 214 215 216 Non Interest Income Net Interest Income 2

6. 4. 2. - (2.) (4.) (6.) (8.) (1. ) 51.6 36. 56.6 36. 58.8 33.1 55.4 48.8 61.2 58.3 Resilient Position Across Business Cycle Sound loan asset quality reflects our conservative stance Coverage ratio Percentage Loan loss reserves, LLR/Loan Billion Baht, Percentage 25 2 15 1 5 27 214 24 185 174 BBL System 131 142 141 /1 13 136 212 213 214 215 216 7 6 5 4 3 2 1 3.5 3.7 4.4 523 392 439 214 215 216 System /1 18. 15. 12. 9. 6. 3. - 5.5 5.3 5.2 5.6 6.2 119.5 14.2 87.6 92.6 91.9 212 213 214 215 216 BBL -2. -19.94-19.89-19.83-19.77-19.72-19.66-19.6-19.54-19.49-19.43-19.37-19.32-19.26-19.2-19.15-19.9-19.3-18.97-18.92-18.86-18.8-18.75-18.69-18.63-18.58-18.52-18.46-18.4-18.35-18.29-18.23-18.18-18.12-18.6-18.1-17.95-17.89-17.83-17.78-17.72-17.66-17.61-17.55-17.49-17.44-17.38-17.32-17.26-17.21-17.15-17.9-17.4-16.98-16.92-16.87-16.81-16.75-16.69-16.64-16.58-16.52-16.47-16.41-16.35-16.3-16.24-16.18-16.12-16.7-16.1-15.95-15.9-15.84-15.78-15.73-15.67-15.61-15.55-15.5-15.44-15.38-15.33-15.27-15.21-15.16-15.1-15.4-14.98-14.93-14.87-14.81-14.76-14.7-14.64-14.59-14.53-14.47-14.41-14.36-14.3-14.24-14.19-14.13-14.7-14.2-13.96-13.9-13.84-13.79-13.73-13.67-13.62-13.56-13.5-13.45-13.39-13.33-13.27-13.22-13.16-13.1-13.5-12.99-12.93-12.88-12.82-12.76-12.7-12.65-12.59-12.53-12.48-12.42-12.36-12.31-12.25-12.19-12.13-12.8-12.2-11.96-11.91-11.85-11.79-11.74-11.68-11.62-11.56-11.51-11.45-11.39-11.34-11.28-11.22-11.17-11.11-11.5-1.99-1.94-1.88-1.82-1.77-1.71-1.65-1.6-1.54-1.48-1.42-1.37-1.31-1.25-1.2-1.14-1.8-1.3-9.97-9.91-9.85-9.8-9.74-9.68-9.63-9.57-9.51-9.46-9.4-9.34-9.28-9.23-9.17-9.11-9.6-9. -8.94-8.89-8.83-8.77-8.71-8.66-8.6-8.54-8.49-8.43-8.37-8.32-8.26-8.2-8.14-8.9-8.3-7.97-7.92-7.86-7.8-7.75-7.69-7.63-7.57-7.52-7.46-7.4-7.35-7.29-7.23-7.18-7.12-7.6-7. -6.95-6.89-6.83-6.78-6.72-6.66-6.61-6.55-6.49-6.43-6.38-6.32-6.26-6.21-6.15-6.9-6.4-5.98-5.92-5.86-5.81-5.75-5.69-5.64-5.58-5.52-5.47-5.41-5.35-5.29-5.24-5.18-5.12-5.7-5.1-4.95-4.9-4.84-4.78-4.72-4.67-4.61-4.55-4.5-4.44-4.38-4.33-4.27-4.21-4.15-4.1-4.4-3.98-3.93-3.87-3.81-3.76-3.7-3.64-3.58-3.53-3.47-3.41-3.36-3.3-3.24-3.19-3.13-3.7-3.1-2.96-2.9-2.84-2.79-2.73-2.67-2.62-2.56-2.5-2.44-2.39-2.33-2.27-2.22-2.16-2.1-2.5-1.99-1.93-1.87-1.82-1.76-1.7-1.65-1.59-1.53-1.48-1.42-1.36-1.3-1.25-1.19-1.13-1.8-1.2 -.96 -.91 -.85 -.79 -.73 -.68 -.62 -.56 -.51 -.45 -.39 -.34 -.28 -.22 -.16 -.11 -.5.1.6.12.18.24.29.35.41.46.52.58.63.69.75.81.86.92.98 1.3 1.9 1.15 1.2 1.26 1.32 1.38 1.43 1.49 1.55 1.6 1.66 1.72 1.77 1.83 1.89 1.95 2. 2.6 2.12 2.17 2.23 2.29 2.34 2.4 2.46 2.52 2.57 2.63 2.69 2.74 2.8 2.86 2.91 2.97 3.3 3.9 3.14 3.2 3.26 3.31 3.37 3.43 3.48 3.54 3.6 3.66 3.71 3.77 3.83 3.88 3.94 4. 4.5 4.11 4.17 4.23 4.28 4.34 4.4 4.45 4.51 4.57 4.62 4.68 4.74 4.8 4.85 4.91 4.97 5.2 5.8 5.14 5.19 5.25 5.31 5.37 5.42 5.48 5.54 5.59 5.65 5.71 5.76 5.82 5.88 5.94 5.99 6.5 6.11 6.16 6.22 6.28 6.33 6.39 6.45 6.51 6.56 6.62 6.68 6.73 6.79 6.85 6.9 6.96 7.2 7.8 7.13 7.19 7.25 7.3 7.36 7.42 7.47 7.53 7.59 7.65 7.7 7.76 7.82 7.87 7.93 7.99 8.4 8.1 8.16 8.22 8.27 8.33 8.39 8.44 8.5 Note: /1 System refers to all commercial bank in Thailand Source: Bank of Thailand, Bangkok Bank Analysis Loan loss reserves (Bn Baht) LLR/Loans (%) Excess reserves over BOT requirement (Bn Baht) Required Reserve by BOT (Bn Baht) LLR/Loans (%) 21

Bangkok Bank 1. Operating Environment 2. Our Financial Results 216 3. Bangkok Bank s Position 4. Our Key Focus & Strategy 22

Our Key Focus & Strategy Short-term Go through transition period together with customers Long-term Sustainability growth Leverage our scale and franchise leadership Tailor products and services to customer needs Digital capabilities Utilize our extensive network, long-term relationships and full range of products & services Support customers to reach out to new markets Offer total solutions with full suite of best-inclass financial solutions Support customers in adapting to rapidly evolving sector dynamics Continue to improve customer experience by further developing digital technology Capture new trends and digital practices 23

Appendix - Financial Results 24

Financial Position 216 Baht mn Dec-14 Dec-15 Sep-16 Dec-16 Growth(%) QoQ YTD Loans /1 1,782,233 1,868,93 1,91,9 1,941,93 2.1% 3.9% Deposits 2,58,779 2,9,965 2,16,87 2,178,141 3.4% 4.2% LDR 86.6% 89.4% 9.3% 89.1% -1.2% -.3% NPL 45,46 56,226 73,187 68,841-5.9% 22.4% NPL ratio 2.1% 2.8% 3.4% 3.2% -.2%.4% LLR to NPL 24% 185% 16% 174% 14% -11% LLR to loans 5.2% 5.6% 6.1% 6.2%.1%.6% Liquid assets /2 92,34 96,648 921,249 956,847 3.9% 5.5% Liquid asset to total assets 33.3% 32.% 32.% 32.5%.5%.5% CET1/Tier 1 ratio /3 15.6% 16.2% 17.3% 16.8% -.5%.6% CAR /3 17.9% 18.3% 19.2% 18.7% -.5%.4% Note: /1 Loans = Loans to customers Less Deferred revenue /2 Liquid assets consist of cash, interbank and money market assets, claims on securities and trading & available-for-sale securities /3 The ratios for Dec-14 Dec-15 and Dec-16 were included net profit and deducted dividend, for Sep-16, the ratios were included net profit 25

Financial Performance 216 Baht mn 214 215 216 Growth (%) YoY Net interest income 58,997 57,51 63,998 11.3% Net fee income 21,726 24,71 24,492 1.7% Non-interest income 37,86 45,219 41,86-7.4% Total income 96,857 12,728 15,858 3.% Operating expenses 43,87 45,45 5,55 12.1% Provisioning expenses 8,687 14,654 15,728 7.3% Net profit /1 36,332 34,181 31,815-6.9% EPS /1 (Baht per share) 19.3 17.91 16.67-6.9% NIM 2.37% 2.16% 2.34%.18% Net fee income ratio 22.4% 23.4% 23.1% -.3% Cost to income ratio 44.5% 43.8% 47.7% /2 3.9% ROA /1 1.39% 1.21% 1.9% -.12% ROE /1 11.66% 9.91% 8.59% -1.32% Note: /1 Attributable to the Bank /2 Caused mainly by the provisions for contingencies 26

Financial Performance 4Q16 Baht mn 4Q15 3Q16 4Q16 Growth (%) QoQ YoY Net interest income 15,617 16,66 16,33 1.5% 4.4% Net fee income 6,238 6,157 6,255 1.6%.3% Non-interest income 1,793 1,887 11,63 1.6% 2.5% Total income 26,41 26,953 27,366 1.5% 3.6% Operating expenses 12,146 12,95 12,968 7.2% 6.8% Provisioning expenses 3,88 4,946 3,596-27.3% -7.3% Net profit /1 7,681 8,61 8,267 2.6% 7.6% EPS /1 (Baht per share) 4.2 4.22 4.33 2.6% 7.6% NIM 2.33% 2.33% 2.36%.3%.3% Net fee income ratio 23.6% 22.8% 22.9%.1% -.7% Cost to income ratio 46.% 44.9% 47.4% 2.5% 1.4% ROA /1 1.8% 1.1% 1.13%.3%.5% ROE /1 8.5% 8.67% 8.77%.1%.27% Note: /1 Attributable to the Bank /2 Caused mainly by the provisions for contingencies 27

217 Financial Targets Consolidated 217 Financial Targets Loan growth 4-6% NPL ratio (gross) Slightly increase Net interest margin (NIM) Maintain Net fee income growth Up to mid single digit Cost to income ratio Mid-4s Note: The above financial targets are based on the Bank s preliminary estimates that may change due to the operating environments and other unforeseen circumstances. 28

For Further Information Contact: Investor Relations Team Tel (66) 2 626 4981-2 Fax (66) 2 231 489 Email: IR@bbl.co.th Bangkok Bank Website www.bangkokbank.com This presentation is made by Bangkok Bank and may not be copied, altered, offered, sold or otherwise distributed to any other person by any recipient without the consent of Bangkok Bank. Although all reasonable effort has been made to ensure the facts stated herein are accurate and that the opinions contained herein are fair and reasonable, this document is selective in nature and is intended to provide an introduction to, and overview of, the business of Bangkok Bank. Where any information and statistics are quoted from any external source, such information or statistics should not be interpreted as having been adopted or endorsed by Bangkok bank as being accurate. Neither Bangkok Bank nor any of its directors, officers, employees, and advisors nor any other person shall have any liability whatsoever for loss howsoever arising, directly or indirectly, from any use of this information. The facts and information contained herein are as up to date as is reasonably possible and may be subject to revision in the future. Neither Bangkok Bank nor any of its directors, officers, employees or advisors nor any other person makes any representation or warranty, express or implied, as to the accuracy or completeness of the information contained in this presentation. Neither Bangkok Bank nor any of its directors, officers, employees and advisors nor any other person shall have any liability whatsoever for loss howsoever arising, directly or indirectly, from any use of this presentation. This presentation may contain projections or other forward-looking statements related to Bangkok Bank that involve risks and uncertainties. Readers are cautioned that these statements are only projections and may differ materially from actual future results or events. All forward-looking statements are based on information available to Bangkok Bank on the date of its posting and Bangkok Bank assumes no obligation to update such statements unless otherwise required by applicable law. This presentation does not constitute an offer or invitation to subscribe for, or purchase, any shares of Bangkok Bank.