Financial Statements

We have reviewed the consolidated statement of financial position of Bangkok Bank Public Company Limited and its subsidiaries and the Bank's statement of financial position of Bangkok Bank Public Company Limited as at September 30, 2025, and the related consolidated and Bank's statements of profit or loss and other comprehensive income for the three-month and nine-month periods ended September 30, 2025, and the related consolidated and Bank's statements of changes in shareholders' equity and cash flows for the nine-month period ended September 30, 2025, and the condensed notes to the financial statements. The Bank's management is responsible for the preparation and presentation of this interim financial information in accordance with Thai Accounting Standard No. 34 "Interim Financial Reporting" and the Bank of Thailand's regulations. Our responsibility is to express a conclusion on this interim financial information based on our review.

We conducted our review in accordance with Thai Standard on Review Engagements 2410 "Review of Interim Financial Information Performed by the Independent Auditor of the Entity". A review of interim financial information consists of making inquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Thai Standards on Auditing and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion.

Based on our review, nothing has come to our attention that causes us to believe that the aforementioned interim financial information is not prepared, in all material respects, in accordance with Thai Accounting Standard No. 34 "Interim Financial Reporting" and the Bank of Thailand's regulations.

Nisakorn Songmanee Certified Public Accountant (Thailand)

November 11, 2025 DELOITTE TOUCHE TOHMATSU JAIYOS AUDIT CO., LTD.

CONSOLIDATED THE BANK

Baht : '000

ASSETS

Notes September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024 (Unaudited) (Unaudited)

Notes to the financial statements form an integral part of these interim financial statements.

CONSOLIDATED THE BANK

Baht : '000

Notes September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024 (Unaudited) (Unaudited)

Notes to the financial statements form an integral part of these interim financial statements.

(Mr. Chartsiri Sophonpanich) President

Baht : '000

CONSOLIDATED THE BANK

Notes to the financial statements form an integral part of these interim financial statements

Baht : '000

CONSOLIDATED THE BANK

Notes 2025 2024 2025 2024

OTHER COMPREHENSIVE INCOME (LOSSES)

Items that will be reclassified subsequently to profit or loss Gains on investments in debt instruments at fair value

Notes to the financial statements form an integral part of these interim financial statements

(Mr. Chartsiri Sophonpanich) President

Baht : '000

CONSOLIDATED THE BANK

Notes to the financial statements form an integral part of these interim financial statements

Baht : '000

CONSOLIDATED THE BANK

Notes 2025 2024 2025 2024

OTHER COMPREHENSIVE INCOME (LOSSES)

Items that will be reclassified subsequently to profit or loss Gains on investments in debt instruments at fair value

Notes to the financial statements form an integral part of these interim financial statements

(Mr. Chartsiri Sophonpanich) President

BANGKOK BANK PUBLIC COMPANY LIMITED AND SUBSIDIARIES STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY

FOR THE NINE-MONTH PERIOD ENDED SEPTEMBER 30, 2025

(Unaudited)

Baht : '000

Note Issued and Premium on

Other Reserves

CONSOLIDATED

Retained Earnings

Total Equity Non-controlling Total Attributable Interest

to the Bank's Shareholders

Balance as at January 1, 2024 19,088,429 56,346,232 30,577,535 16,568,871 (422,036) (1,297,663) (1,159,654) 3,235 28,000,000 126,500,000 254,769,825 528,974,774 1,855,259 530,830,033

Appropriation for previous year

(9,543,087) (197,573) (9,740,660)

- - -

Ap

(3,816,903) (167,502) (3,984,405)

- - -

- - -

Balance as at September 30, 2025 19,088,429 56,346,232 39,558,731 18,449,297 2,772,845 (1,039,788) (13,702,050) 1,484 30,000,000 136,500,000 296,595,131 584,570,311 1,707,698 586,278,009

Notes to the financial statements form an integral part of these interim financial statements

BANGKOK BANK PUBLIC COMPANY LIMITED AND SUBSIDIARIES STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY (CONTINUED) FOR THE NINE-MONTH PERIOD ENDED SEPTEMBER 30, 2025

(Unaudited)

Baht : '000

Retained Earnings Appropriated

Legal Reserve Others

Unappropriated

Total

Appropriation for previous year

28,000,000 126,500,000 228,727,512 504,257,008

(9,543,087)

-

(3,816,903)

-

-35,016,090

-

Balance as at September 30, 2024 19,088,429 56,346,232 28,585,253 25,669,150 (1,225,567) (1,297,141) (3,540,687) 29,000,000 131,500,000 241,787,439 525,913,108

Balance as at January 1, 2025 19,088,429 56,346,232 28,209,103 18,220,169 1,365,454 (1,322,092) (578,424) 29,000,000 131,500,000 252,958,365 534,787,236

Appropriation for previous year

Notes to the financial statements form an integral part of these interim financial statements

(12,405,952)

-

(3,817,568)

-

-47,398,292

-

565,962,008

(Mr. Chartsiri Sophonpanich) President

Baht : '000

CONSOLIDATED THE BANK

Notes to the financial statements form an integral part of these interim financial statements

Baht : '000

CONSOLIDATED THE BANK

Notes to the financial statements form an integral part of these interim financial statements

(Mr. Chartsiri Sophonpanich) President

1. General Information and Regulatory Requirements 13

2. Basis for Preparation of the Consolidated and the Bank's Financial Statements 13

3. Material Accounting Policy Information 15

4. Fair Value of Financial Instruments Measured at Fair Value 15

5. Capital Fund 17

6. Additional Information 19

   1. Supplementary Disclosures of Cash Flow Information 19

   2. Financial Assets Measured at Fair Value through Profit or Loss 19

   3. Investments, net 20

   4. Investments in Subsidiaries and Associates, net 22

   5. Loans to Customers and Accrued Interest Receivables, net 24

   6. Financial Liabilities Measured at Fair Value through Profit or Loss 25

   7. Debt Issued and Borrowings 26

   8. Share Capital 26

   9. The Appropriation of the Profit and the Dividend Payments 28

   10. Assets Pledged as Collateral and under Restriction 29

   11. Contingent Liabilities 30

   12. Litigation 30

   13. Related Party Transactions 30

   14. Operating Segments 38

   15. Interest Income 41

   16. Interest Expenses 43

   17. Net Fees and Service Income 44

   18. Expected Credit Loss 44

   19. Income Tax Expenses 45

   20. Approval of the Financial Statements 45

1. General Information and Regulatory Requirements

   Bangkok Bank Public Company Limited (the "Bank") is a public company limited registered in the Kingdom of Thailand and registered in the Stock Exchange of Thailand with its head office located at 333 Silom Road, Bangrak, Bangkok. The Bank's main business is commercial banking and the Bank conducts its businesses through a network of branches covering all parts of Thailand and some major parts of the world.

   The Bank is subject to various capital and regulatory requirements administered by the Bank of Thailand (" BOT"). Under these capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must satisfy specific capital guidelines that involve quantitative measurements of the Bank's assets, liabilities and certain off-balance sheet items calculated in accordance with regulatory requirements. The Bank's capital amounts and classification are also subject to qualitative judgment by the BOT about components, risk weightings and other factors. As at September 30, 2025 and December 31, 2024, the Bank complied with all capital adequacy requirements. However, these capital and regulatory requirements are subject to change by the BOT.

2. Basis for Preparation of the Consolidated and the Bank's Financial Statements

   1. The consolidated and the Bank's statutory financial statements are in the Thai language and prepared in accordance with Thai Financial Reporting Standards, accounting treatment guidance promulgated by the Federation of Accounting Professions ("TFAC"), accounting practices generally accepted in Thailand including the Regulations of the Securities and Exchange Commission, the Stock Exchange of Thailand and relevant BOT's regulations.

      The consolidated and the Bank's interim financial statements are prepared in accordance with Thai Accounting Standard No. 34 regarding Interim Financial Reporting; and relevant official regulations, and presented in accordance with the BOT's Notification regarding the Preparation and Announcement of Financial Statements of Commercial Banks and Parent Companies of Financial Holding Groups dated October 31, 2018.

      The consolidated and the Bank's financial statements are presented in Baht as the presentation currency.

      Certain financial information which is normally included in financial statements prepared in accordance with Thai Financial Reporting Standards, but which is not required for interim reporting purposes, has been omitted. The aforementioned interim financial statements should be read in conjunction with the audited financial statements for the year ended December 31, 2024.

      The consolidated and the Bank's statements of financial position as at December 31, 2024, presented herein for comparison, had been derived from the consolidated and the Bank's financial statements for the year then ended which had been audited.

      The results of operations for the three-month and nine-month periods ended September 30, 2025 are not necessarily indicative of the operating results anticipated for the full year.

      The preparation of the financial statements in conformity with Thai Financial Reporting Standards also requires the Bank to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenue and expense during the reporting period. The actual results may differ from those estimates.

   2. New or Revised Thai Financial Reporting Standards

      The Bank and subsidiaries have adopted the new or revised Thai Accounting Standards, Thai Financial Reporting Standards, Thai Accounting Standards Interpretations and Thai Financial Reporting Interpretations, issued by the TFAC and announced in the Royal Gazette, applying for the financial statements of the periods beginning on or after January 1, 2025 onwards, with no material impact on the Bank and subsidiaries' financial statements.

   3. The consolidated interim financial statements for the three-month and nine-month periods ended September 30, 2025 and 2024, and the consolidated statement of financial position as at December 31, 2024, included the accounts of the head office and all branches of the Bank and its subsidiaries, by eliminating significant business transactions and outstanding balances between the Bank and its subsidiaries, and included equity interest in associates. The subsidiaries consist of BBL (Cayman) Limited, Bangkok Bank Berhad, Sinnsuptawee Asset Management Company Limited, BBL Asset Management Company Limited, Bualuang Securities Public Company Limited, Bangkok Bank (China) Company Limited, Bualuang Ventures Limited, PT Bank Permata Tbk and BSL Leasing Company Limited.

      In addition, the consolidated interim financial statements for the three-month and nine-month periods ended September 30, 2025 and 2024, and the consolidated statement of financial position as at December 31, 2024, included BBL Nominees (Tempatan) Sdn. Bhd, the 100% owned subsidiary of Bangkok Bank Berhad and Bangkok Capital Asset Management Company Limited, the 100% owned subsidiary of Bualuang Securities Public Company Limited. In July 2025, Bualuang Securities Public Company Limited sold all of its shares and transferred control of Bangkok Capital Asset Management Company Limited, to BBL Asset Management Company Limited.

      All subsidiaries of the Bank were incorporated in the Kingdom of Thailand except for BBL (Cayman) Limited which was incorporated in the Cayman Islands British West Indies, Bangkok Bank Berhad which was incorporated in Malaysia, Bangkok Bank (China) Company Limited which was incorporated in the People's Republic of China and PT Bank Permata Tbk which was incorporated in Indonesia. For associates, all were incorporated in the Kingdom of Thailand.

   4. The Bank's interim financial statements for the three-month and nine-month periods ended September 30, 2025 and 2024, and the Bank's statement of financial position as at December 31, 2024 included the accounts of the head office and all branches of the Bank. Investments in subsidiaries and associates were accounted for using the cost method, net of valuation allowance for impairment.

3. Material Accounting Policy Information

   The Bank applies accounting policies and calculation methods to the interim financial statements consistent with those used in the financial statements for the year ended December 31, 2024. This includes the application of the new or revised Thai financial reporting standards as mentioned in Note 2.2.

4. Fair Value of Financial Instruments Measured at Fair Value

   Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date in the principal market, or in the absence, the most advantageous market, where is accessible to by the Bank. The fair value of instruments that are quoted in active markets is determined using the quoted prices. A market is regarded as active if transactions take place with sufficient frequency and volume to provide pricing information on an ongoing basis. If the market is not active, or an asset or a liability is not traded in an active market, the Bank uses valuation techniques to determine fair value by using the assumptions that market participants would use when pricing the asset or liability. Where applicable, a valuation adjustment is applied to derive at the fair value.

   The following table shows an analysis of financial assets and financial liabilities by level of the fair value hierarchy as at September 30, 2025 and December 31, 2024.

   Million Baht CONSOLIDATED September 30, 2025 December 31, 2024

   Items measured at fair value Financial assets

   Financial assets measured

   Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total

   at fair value through
   profit or loss	28,773	12,416	68,781	109,970	30,330	6,876	68,371	105,577
   Derivatives assets	40	85,980	-	86,020	219	86,636	-	86,855
   Investments, net	207,490	782,938	23,522	1,013,950	207,919	649,341	22,884	880,144
   Financial liabilities
   Financial liabilities measured
   at fair value through
   profit or loss	251	16,431	-	16,682	455	17,308	-	17,763
   Derivatives liabilities	49	60,864	-	60,913	34	64,658	-	64,692

   Million Baht THE BANK September 30, 2025 December 31, 2024

   Items measured at fair value Financial assets

   Financial assets measured

   Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total

   at fair value through profit or loss	17,285	8,677	90,377	116,339	16,597	3,427	90,954	110,978
   Derivatives assets	10	85,413	-	85,423	204	85,681	-	85,885
   Investments, net Financial liabilities	78,875	755,510	23,237	857,622	89,122	620,547	22,587	732,256
   Financial liabilities measured
   at fair value through profit or loss	-	16,431	-	16,431	-	17,308	-	17,308
   Derivatives liabilities	-	60,213	-	60,213	-	63,554	-	63,554

   Fair values are determined according to the following hierarchy :

   Level 1 - quoted prices in active market for identical assets or liabilities

   Level 2 - value derived from valuation techniques for which the significant input used for the fair value measurement is directly or indirectly observable in the market

   Level 3 - value derived from valuation techniques for which the significant input used for the fair value measurement is unobservable in the market

   The following methods and assumptions were used by the Bank in estimating the fair value of financial instruments measured at fair value.

   The fair value of derivatives is derived from market price or valuation techniques which are based on the market prices of instruments with similar characteristics and maturities or the valuation quoted by a reliable institution.

   The fair value determination of investments in debt securities

   • For domestic debt securities listed in the Thai Bond Market Association, the fair value is determined by using the market yield of debt securities published by the Thai Bond Market Association. For such debt securities that are not listed in the Thai Bond Market Association, the average bid yield from three reliable financial institutions will be used.

   • For foreign debt securities, the value quoted by reliable international financial institutions will be used. The fair value determination of investments in equity securities

   • For marketable equity securities with readily determinable market values, the fair value is determined by the last bid price on the Stock Exchange of Thailand on the last business day of the reporting date. If the last bid price is not available, the last closing price will be used.

   • Investments in unit trusts are stated at fair value based on redemption value at the reporting date.

   When using valuation techniques, the valuation adjustments are adopted, when the Bank considers that there are additional factors that would be considered by a market participant but are not incorporated within the valuation measurements. The considering factors are such as bid-offer spread, counterparty credit and liquidity, etc.

5. Capital Fund

   It is the Bank's policy to maintain an adequate level of capital to support growth strategies under an acceptable risk framework taking into consideration regulatory requirements and market expectations. The Bank regularly assesses its capital adequacy under various scenarios in order to anticipate capital requirements for the purpose of its capital planning and management process.

   The guideline on capital fund based on the Basel III guidelines of the BOT requires the Bank to set out additional capital ratio of more than 2.50 percent which maintains a capital conservation buffer in addition to minimum capital adequacy ratios. The BOT has announced the guideline to identify and regulate Domestic Systemically Important Bank (D-SIB). The BOT requires the Bank, classified as D-SIB, must have additional capital requirement for Higher Loss Absorbency (HLA) requirement by increasing the Common Equity Tier 1 ratio at 1 percent. The minimum capital adequacy and a capital conservation buffer ratios to risk-weighted assets is as follows :

   Capital Fund Ratio Percentage September 30, 2025 December 31, 2024

   Common Equity Tier 1 ratio	More than 8.0	More than 8.0
   Tier 1 capital ratio	More than 9.5	More than 9.5
   Total capital fund ratio	More than 12.0	More than 12.0

   Moreover, the BOT may require to maintain additional capital for countercyclical buffer at maximum of 2.50 percent.

   As at September 30, 2025 and December 31, 2024, the Bank maintained capital adequacy ratios to risk assets and capital fund in accordance with the BOT's Notification relating to the Basel III guidelines as follows :

   Percentage CONSOLIDATED THE BANK

   September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024

   Common Equity Tier 1 capital to risk assets ratio	18.01	16.18	19.65	17.82
   Tier 1 capital to risk assets ratio	18.02	16.96	19.65	18.68
   Total capital to risk assets ratio	22.60	20.35	24.61	22.36

   Million Baht CONSOLIDATED THE BANK

   September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024

   Tier 1 capital	538,375	516,755	530,120	510,958
   Common Equity Tier 1 capital	538,161	492,953	530,120	487,366
   Paid-up share capital	19,088	19,088	19,088	19,088
   Premium on share capital	56,346	56,346	56,346	56,346
   Legal reserve	30,000	29,000	30,000	29,000
   Reserves appropriated from net profit	136,500	131,500	136,500	131,500
   Net profit after appropriation	283,569	257,552	256,756	230,565
   Other comprehensive income Items of the subsidiary undertaking commercial bank business only for the portion	45,702	37,533	55,109	46,150
   of non-controlling shareholders that can be counted as tier 1 capital of the financial group	384	407	-	-
   Adjustments from Common Equity Tier 1 capital	(3)	-	-	-
   Deductions from Common Equity Tier 1 capital	(33,425)	(38,473)	(23,679)	(25,283)
   Additional Tier 1 capital	214	23,802	-	23,592
   Tier 2 capital	136,786	103,305	133,772	100,549
   Total capital fund	675,161	620,060	663,892	611,507

   As at September 30, 2025 and December 31, 2024, the Bank has no capital add-on arising from Single Lending Limit.

   Disclosure of capital maintenance information of the Bank and the Financial Holding Group under the BOT's Notification regarding the disclosure of the capital requirement of commercial banks, regarding the disclosure of the capital requirement of the Financial Holding Group and regarding liquidity coverage ratio disclosure standards.

   Location of disclosure https://www.bangkokbank.com/th-TH/Investor-Relations/Financial-Information Date of disclosure October 31, 2025

   Information as of June 30, 2025

6. Additional Information

   1. Supplementary Disclosures of Cash Flow Information

      Significant non-cash items for the nine-month periods ended September 30, 2025 and 2024 are as follows :

      Million Baht CONSOLIDATED THE BANK FOR THE NINE-MONTH FOR THE NINE-MONTH PERIODS ENDED PERIODS ENDED

      September 30, 2025 September 30, 2024 September 30, 2025 September 30, 2024

      Unrealized gains on investments in

      shareholders' equity increase (decrease)	(453)	8,440	(1,682)	7,952
      Appraisal surplus increase (decrease)	10,265	(889)	10,009	(859)
      Debt issued and borrowings increase (decrease)	(9,164)	(10,173)	(9,164)	(10,173)

   2. Financial Assets Measured at Fair Value through Profit or Loss

      1. Trading financial assets as at September 30, 2025 and December 31, 2024 consisted of the following :

         Million Baht CONSOLIDATED THE BANK

         September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024

         Thai government and state enterprise	Fair Value	Fair Value	Fair Value	Fair Value
         securities	7,981	2,616	7,981	2,616
         Foreign debt securities	8,452	10,618	64	-
         Domestic marketable equity securities	2,462	2,325	-	-
         Others	52	114	-	-
         Total	18,947	15,673	8,045	2,616

      2. Others as at September 30, 2025 and December 31, 2024 consisted of the following :

         CONSOLIDATED THE BANK Million Baht

         September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024

         Fair Value		Fair Value Fair Value Fair Value
         Investments in debt securities	82,994		81,789		101,251		101,382
         Investments in equity securities	8,029		8,115		7,043		6,980
         Total	91,023		89,904		108,294		108,362
         Financial assets measured
         at fair value through profit or loss	109,970		105,577		116,339		110,978

   3. Investments, net

      1. Investments as at September 30, 2025 and December 31, 2024 consisted of the following :

         CONSOLIDATED THE BANK Million Baht

         Debt investment securities measured at amortized cost Thai government and

         September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024

         Amortized Cost Amortized Cost Amortized Cost Amortized Cost

         state enterprise securities	90,397	102,289	73,600	82,915
         Foreign debt securities	3,548	7,798	1,574	2,753
         Total	93,945	110,087	75,174	85,668
         Less Allowance for expected credit loss	(263)	(256)	(263)	(256)
         Total	93,682	109,831	74,911	85,412

         CONSOLIDATED THE BANK Million Baht

         September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024

         Fair Value Fair Value Fair Value Fair Value

         Debt investment securities measured at FVOCI Thai government and
         state enterprise securities	593,780	487,262		593,780		487,262
         Private enterprise debt securities	23,740		25,329		23,740		25,329
         Foreign debt securities	300,323		258,473		144,930		112,449
         Others	6,919		6,562		6,919		6,562
         Total	924,762		777,626		769,369		631,602
         Allowance for expected credit loss	7,326		6,793		7,253		6,715

         CONSOLIDATED THE BANK Million Baht

         Equity investment securities designated at FVOCI Domestic marketable equity

         September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024

         Fair Value Fair Value Fair Value Fair Value

         securities	50,024		62,334		49,615		60,996
         Foreign marketable equity securities	24,994		28,344		24,994		28,344
         Others	14,170		11,840		13,644		11,314
         Total	89,188		102,518		88,253		100,654
         Investments, net	1,107,632		989,975		932,533		817,668

         For the three-month periods ended September 30, 2025 and 2024, the Bank received dividends from equity investment securities designated at FVOCI that the Bank maintains in the consolidated financial statements amounting to Baht 619 million and Baht 560 million and the Bank's financial statements amounting to Baht 588 million and Baht 531 million, respectively.

         For the nine-month periods ended September 30, 2025 and 2024, the Bank received dividends from equity investment securities designated at FVOCI that the Bank maintains in the consolidated financial statements amounting to Baht 2,072 million and Baht 1,956 million and the Bank's financial statements amounting to Baht 1,997 million and Baht 1,882 million, respectively.

         The Bank had investments in companies whose prospects as a going concern are uncertain, comprising of companies listed in the SET that fall under the SET delisting criteria and non-listed companies that their financial performance and financial position fall under the SET delisting criteria. As at September 30, 2025 and December 31, 2024, there were 30 companies with investment cost of Baht 256 million and fair value of Baht 0 million.

      2. As at September 30, 2025 and December 31, 2024, the Bank and subsidiaries had investments in other companies of 10% and upwards of the paid-up capital of the respective companies but which are not considered to be investments in subsidiaries and associates. The classification is as follows :

         CONSOLIDATED THE BANK Million Baht

         September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024

         	Fair Value	Fair Value	Fair Value	Fair Value
         Manufacturing and commercial	-	1	-	1
         Real estate and construction	1,263	1,527	1,263	1,527
         Others	1,996	1,683	1,996	1,683
         Total	3,259	3,211	3,259	3,211

   4. Investments in Subsidiaries and Associates, net

      As at September 30, 2025 and December 31, 2024, the Bank had investments in subsidiaries and associates, net as follows :

      CONSOLIDATED Million Baht Company Type of Type of Shares Direct and Indirect Investment Investment Business Shareholding (%) (Cost Method) (Equity Method)

      September 30, December 31, September 30, December 31, September 30, December 31,

      		2025	2024	2025	2024	2025	2024
      Associates Thai Payment Network Co., Ltd.	Service Common share	33.33	33.33	262	262	18	28
      Processing Center Co., Ltd.	Service Common share	30.00	30.00	15	15	466	450
      BCI (Thailand) Co., Ltd.	Service Common share	22.17	22.17	118	118	39	46
      National ITMX Co., Ltd.	Service Common share	10.07	11.07	10	11	457	487
      Total				405	406	980	1,011
      Less Allowance for impairment				(172)	(172)	-	-
      Investments in associates, net				233	234	980	1,011

      THE BANK Company Type of Business Type of Shares Direct and Indirect Shareholding (%)

      September 30, December 31,

      Million Baht Investment (Cost Method)

      September 30, December 31,

      Subsidiaries			2025	2024	2025	2024
      BBL (Cayman) Limited	Finance	Common share	100.00	100.00	2	2
      Bangkok Bank Berhad	Banking	Common share	100.00	100.00	9,261	9,261
      Sinnsuptawee Asset Management Co., Ltd.	Asset Management	Common share	100.00	100.00	2,500	2,500
      Bangkok Bank (China) Co., Ltd.	Banking	Common share	100.00	100.00	19,585	19,585
      Bualuang Ventures Limited	Venture Capital	Common share	100.00	100.00	2,000	2,000
      PT Bank Permata Tbk∗	Company Banking	Common share	98.71	98.71	105,010	105,010
      Bualuang Securities PCL.	Securities	Common share	99.91	99.91	4,772	4,772
      BSL Leasing Co., Ltd.	Finance	Common share	90.00	90.00	1,365	1,365
      BBL Asset Management Co., Ltd.	Finance	Common share	75.00	75.00	183	183
      Associates
      Thai Payment Network Co., Ltd.	Service	Common share	33.33	33.33	262	262
      Processing Center Co., Ltd.	Service	Common share	30.00	30.00	15	15
      BCI (Thailand) Co., Ltd.	Service	Common share	22.17	22.17	118	118
      National ITMX Co., Ltd.	Service	Common share	10.07	11.07	10	11
      Total					145,083	145,084
      Less Allowance for impairment					(268)	(268)
      Investments in subsidiaries and associates, net					144,815	144,816

      The aggregated financial information of associates that are not individually material is as follows :

      Million Baht FOR THE THREE-MONTH PERIODS ENDED September 30, 2025 September 30, 2024

      Net profit	426	650
      Total comprehensive income	427	650

      Million Baht FOR THE NINE-MONTH PERIODS ENDED September 30, 2025 September 30, 2024

      Net profit	1,216	1,685
      Total comprehensive income	1,216	1,678

      ‌∗ During the year 2024, the Bank disposed a 9.59% equity interest in PT Bank Permata Tbk to third party investors in order to comply with the minimum free float requirement under the Indonesia Stock Exchange regulation. The Bank had also entered into commercial arrangements where the economic exposure of disposals was retained. Therefore, the disposal has not resulted in a change of the Bank's effective ownership interests.

   5. Loans to Customers and Accrued Interest Receivables, net

      1. Classified by product type as at September 30, 2025 and December 31, 2024 :

         Million Baht CONSOLIDATED THE BANK

         September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024

         Overdrafts	106,031	115,813	85,475	92,788
         Loans	2,196,047	2,242,797	1,855,160	1,882,638
         Bills	296,592	322,469	278,768	308,980
         Hire purchase receivables	5,231	5,017	-	-
         Finance lease receivables	766	851	-	-
         Others	1,994	6,354	1,860	1,575
         Loans to customers Add Accrued interest receivables and	2,606,661	2,693,301	2,221,263	2,285,981
         undue interest receivables	6,036	7,758	4,766	6,330
         Loans to customers and accrued interest receivables	2,612,697	2,701,059	2,226,029	2,292,311
         Less Allowance for expected credit loss	(288,996)	(272,738)	(258,473)	(240,413)
         Total loans to customers and accrued interest receivables, net	2,323,701	2,428,321	1,967,556	2,051,898

      2. Classified by type of classification as at September 30, 2025 and December 31, 2024 :

         Loans and Interbank and Money Market items CONSOLIDATED THE BANK Million Baht

         September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024

         Performing and Under-performing	3,227,714	3,360,376	2,779,727	2,881,587
         Non-performing	103,404	85,833	90,167	73,118
         Total	3,331,118	3,446,209	2,869,894	2,954,705

         The consolidated and the Bank's financial statements as at September 30, 2025, non-performing loans with restructured loans amounted to Baht 43,026 million and Baht 37,261 million, respectively.

         The consolidated and the Bank's financial statements as at December 31, 2024, non-performing loans with restructured loans amounted to Baht 36,570 million and Baht 30,700 million, respectively.

      3. As at September 30, 2025 and December 31, 2024, the Bank and subsidiaries had non-performing loans (NPLs), including interbank and money market items but excluding accrued interest receivables, as follows :

         Million Baht CONSOLIDATED THE BANK

         September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024

         NPLs before allowance for expected credit loss	103,404	85,833	90,167	73,118
         NPLs as percentage of total loans	3.32	2.66	3.31	2.60
         Net NPLs after allowance for expected credit loss	23,368	20,293	21,222	18,607
         Net NPLs as percentage of net total loans	0.77	0.64	0.80	0.67

      4. Classified by business type as at September 30, 2025 and December 31, 2024 :

         CONSOLIDATED THE BANK Million Baht

         September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024

         Agriculture and mining	77,079	88,813	51,027	47,482
         Manufacturing and commercial	716,987	730,261	581,956	606,480
         Real estate and construction	224,858	209,384	199,573	182,232
         Utilities and services	477,653	500,761	406,925	423,921
         Housing loans	319,342	331,795	265,738	271,453
         Others	790,742	832,287	716,044	754,413
         Total	2,606,661	2,693,301	2,221,263	2,285,981

   6. Financial Liabilities Measured at Fair Value through Profit or Loss

      As at September 30, 2025, the Bank had financial liabilities measured at fair value through profit or loss. There are financial liabilities that are determined to be measured at fair value through profit or loss amounting to Baht 16,431 million. The cumulative effect of changes in fair value resulting from changes in credit risk recognized in other comprehensive income amounted to Baht 1,300 million, and the difference between the book value and the contract value that must be paid when due amounted to Baht 1,901 million.

      As at December 31, 2024, the Bank had financial liabilities measured at fair value through profit or loss. There are financial liabilities that is determined to be measured at fair value through profit or loss amounting to Baht 17,308 million. The cumulative effect of changes in fair value resulting from changes in credit risk recognized in other comprehensive income amounted to Baht 1,653 million, and the difference between the book value and the contract value that must be paid when due amounted to Baht 2,014 million.

      As at September 30, 2025 and December 31, 2024, a subsidiary had financial liabilities measured at fair value through profit or loss which are trading financial liabilities amounting to Baht 251 million and Baht 455 million, respectively.

   7. Debt Issued and Borrowings

      On September 23, 2020, the Bank issued and offered USD 750 million of subordinated notes qualified to be included in Additional Tier 1 capital of the Bank, containing the write-down/write-off provision, in accordance with the terms thereof for sale to foreign investors according to the resolution of the 14thAnnual Ordinary Meeting of Shareholders convened on April 12, 2007, perpetual securities and have no fixed redemption date, provided that the Bank may redeem after 5 years from the issue date pursuant to its early redemption rights, at initial distribution rate of 5% p.a. until the first call date and subject to change to reference rate every 5 years. The Bank received net proceeds from the sale of subordinated notes amounting to USD 750 million, which the BOT had approved to include in Additional Tier 1 capital on September 23, 2020. The Bank classified such instrument as a financial liability by taking into consideration both contractual obligation and legal rights as stating in the offering of the Notes. On September 23, 2025, the Bank redeemed in full the subordinated notes amounting to USD 750 million after five years from the issuance date, with approval from the BOT.

      On March 25, 2025, the Bank issued and offered USD 1,000 million of subordinated notes qualified to be included in Tier 2 capital of the Bank, containing the write-down/write-off provision, in accordance with the terms thereof, with a maturity of 15 years, at a coupon rate of 6.056% p.a. to the optional redemption date and thereafter be reset according the reference rates as specified in the terms and conditions for sale to foreign investors according to the resolution of the 20thAnnual Ordinary Meeting of Shareholders convened on April 12, 2013. The Bank received net proceeds from the sale of subordinated notes amounting to USD 1,000 million, which the BOT had approved to include in Tier 2 capital on March 25, 2025.

   8. Share Capital

      The Bank's share capital consists of :

      • Common shares

      • Class A and Class B preferred shares, the holders of which have rights according to Article 3 of the Bank's Articles of Association.

      As at September 30, 2025 and December 31, 2024, the Bank had registered share capital of Baht 40,000,000,000 divided into common shares and preferred shares totaling 4,000,000,000 shares, with par value of Baht 10 each, details of which are as follows :

      Type Number of Registered Shares September 30, 2025 December 31, 2024

      Common shares	3,998,345,000	3,998,345,000
      Class A preferred shares	655,000	655,000
      Class B preferred shares	1,000,000	1,000,000
      Total	4,000,000,000	4,000,000,000

      As at September 30, 2025 and December 31, 2024, the Bank had 1,908,842,894 issued common shares and 2,039,502,106 unissued common shares and 655,000 Class A unissued preferred shares and 1,000,000 Class B unissued preferred shares. In relation to the allocation of the unissued common shares, the Bank will follow the resolutions of the 12thordinary shareholders' meeting convened on April 12, 2005, as per the following details :

      1. Allocation of 1,339,502,106 common shares as follows :

         1. Allocation of 459,502,106 common shares for offer and sale to the general public, including the existing shareholders and the beneficial owners of the shares held by custodian or by any other similar arrangements.

         2. Allocation of 440,000,000 common shares for offer and sale to institutional investors or investors with specific characteristics prescribed in the Notification of the Securities and Exchange Commission.

         3. Allocation of 440,000,000 common shares for offer and sale to the existing shareholders and the beneficial owners of the common shares in proportion to their shareholdings.

      2. Allocation of 50,000,000 common shares to be reserved for the exercise of the conversion right attached to the subordinated convertible bonds issued by the Bank and offered for sale in 1999 as part of the Capital Augmented Preferred Securities (CAPS).

      3. Allocation of 500,000,000 common shares to be reserved for the exercise of the conversion right attached to the subordinated convertible bonds and/or convertible bonds that may further be issued in the future by the Bank.

      4. Allocation of 200,000,000 common shares to be reserved for the exercise of right to purchase common shares by holders of warrants that may further be issued in the future by the Bank.

      5. Allocation of 655,000 Class A preferred shares for offer and sale in foreign markets and/or domestic markets, which may be offered and sold in conjunction with subordinated bonds.

      6. Allocation of 1,000,000 Class B preferred shares for offer and sale in foreign markets and/or domestic markets, which may be offered and sold in conjunction with subordinated bonds and/or unsubordinated bonds and/or subordinated convertible bonds and/or convertible bonds.

      The offer and sale of the Bank's securities shall comply with the regulations prescribed by the Securities and Exchange Commission.

   9. The Appropriation of the Profit and the Dividend Payments

      On April 11, 2024, the 31stAnnual Ordinary Meeting of Shareholders approved the resolutions regarding the appropriation of the profit and the payment of dividend for the year 2023 as follows :

      • The appropriation as legal reserve and as other reserves amounting to Baht 1,000 million and Baht 5,000 million, respectively, with the amount to be appropriated for the period of January - June 2023 amounting to Baht 500 million as legal reserve and Baht 5,000 million as other reserves (all of which had already been appropriated as stated in the financial statements for the year ended December 31, 2023), and the amount to be appropriated for the period of July - December 2023 amounting to Baht 500 million as legal reserve.

      • The payment of dividend at the rate of Baht 5.00 per common share amounting to Baht 9,543 million had been paid on May 10, 2024.

        The Bank already paid dividend according to the aforementioned resolution.

        On August 22, 2024, the meeting of the Board of Directors of the Bank No. 8/2024 approved the resolutions regarding the appropriation of the profit and the payment of interim dividend as follows :

      • The appropriation as legal reserve and as other reserves for the period of January - June 2024 amounting to Baht 500 million and Baht 5,000 million, respectively.

      • The payment of interim dividend at the rate of Baht 2.00 per common share amounting to Baht 3,817 million had been paid on September 20, 2024.

        The Bank already paid dividend according to the aforementioned resolution.

        On April 11, 2025, the 32ndAnnual Ordinary Meeting of Shareholders approved the resolutions regarding the appropriation of the profit and the payment of dividend for the year 2024 as follows :

      • The appropriation as legal reserve and as other reserves amounting to Baht 1,000 million and Baht 5,000 million, respectively, with the amount to be appropriated for the period of January - June 2024 amounting to Baht 500 million as legal reserve and Baht 5,000 million as other reserves (all of which had already been appropriated as stated in the financial statements for the year ended December 31, 2024), and the amount to be appropriated for the period of July - December 2024 amounting to Baht 500 million as legal reserve.

      • The payment of dividend at the rate of Baht 6.50 per common share amounting to Baht 12,406 million had been paid on May 9, 2025.

        The Bank already paid dividend according to the aforementioned resolution.

        On August 28, 2025, the meeting of the Board of Directors of the Bank No. 8/2025 approved the resolutions regarding the appropriation of the profit and the payment of interim dividend as follows :

      • The appropriation as legal reserve and as other reserves for the period of January - June 2025 amounting to Baht 500 million and Baht 5,000 million, respectively.

      • The payment of interim dividend at the rate of Baht 2.00 per common share amounting to Baht 3,818 million had been paid on September 26, 2025.

      The Bank already paid dividend according to the aforementioned resolution.

   10. Assets Pledged as Collateral and under Restriction

       The Bank and subsidiaries had investments in government securities and state enterprise securities which had been pledged as collateral for repurchase agreements and for commitments with government agencies. The book values of such securities, net of valuation allowance for expected credit loss, as at September 30, 2025 and December 31, 2024, for the consolidated financial statements amounting to Baht 152,138 million and Baht 159,498 million and in the Bank's financial statements amounting to Baht 147,526 million and Baht 153,830 million, respectively.

   11. Contingent Liabilities

       As at September 30, 2025 and December 31, 2024, the Bank and subsidiaries had contingent liabilities as follows :

       Million Baht CONSOLIDATED THE BANK

       September 30, 2025 December 31, 2024 September 30, 2025 December 31, 2024

       Avals to bills 4,881 3,967 4,881 3,967

       Guarantees of loans 25,218 27,703 20,352 22,290

       Liabilities under unmatured import bills 35,836 30,711 24,486 18,193

       Letters of credit 29,140 41,783 23,901 37,061 Other commitments

       Amount of unused bank overdraft 146,917 150,328 146,397 149,717

       Other guarantees 247,414 245,330 235,068 232,381 Others 248,144 243,180 197,880 190,530

       Total 737,550 743,002 652,965 654,139

   12. Litigation

       As at September 30, 2025 and December 31, 2024, a number of civil proceedings have been brought against the Bank and subsidiaries in the ordinary course of business. The Bank and subsidiaries believe that such proceedings, when resolved, will not materially affect the Bank and subsidiaries' financial position and result of operations.

   13. Related Party Transactions

As at September 30, 2025 and December 31, 2024, related parties of the Bank consisted of subsidiaries, associates, key management personnel that are directors, executives at the level of executive vice president and higher or equal, any parties related to key management personnel, including the entities in which key management personnel and any parties related which are controlled or significantly influenced.