Minutes of the 33rd Annual Ordinary Meeting of Shareholders

Before the start of the meeting, the Bank invited the participants to stand up and observe a one-minute silence to pay their respects to Her Majesty Queen Sirikit The Queen Mother.

("Chairman").

Mr. Kobsak Pootrakool, Director and Corporate Secretary ("Secretary"), reported that the 33rd Annual Ordinary Meeting of Shareholders ("Meeting") was attended by 418 shareholders who appeared in person, accounting for 9,456,957 shares, and 7,126 shareholders who were represented by proxies, accounting for 1,131,136,218 shares. Altogether there were 7,544 shareholders, both in person and proxy, accounting for 1,140,593,175 shares or 59.75 percent of the total 1,908,842,894 issued and paid-up shares, thus constituting a quorum pursuant to the Articles of Association of the Bank.

The Meeting was attended by directors and senior executives of the Bank and the auditors as follows:

Director who was absent from the Meeting

1. Mr. Deja Tulananda Vice Chairman of the Board of Directors

Note: 19 of 20 directors attended the Meeting, accounting for 95 percent of the total number of the directors of the Bank.

Senior executives who attended the Meeting:

The auditors from Deloitte Touche Tohmatsu Jaiyos Audit Co., Ltd. who attended the Meeting were:

1. Mrs. Nisakorn Songmanee

2. Mrs. Darunee Chantra

3. Ms. Pattima Jarukitisakul

4. Mr. Sitthiphong Charoenkhunawuth

5. Ms. Nutchanart Promruang

Prior to the consideration of the agenda, the Meeting was informed of the procedures regarding voting, counting of votes and reporting of the voting result on each agenda item as follows.

For the purpose of voting, each share shall be counted as one vote. If any shareholder has interests in any matter on which the Meeting shall pass a resolution, such a shareholder shall not have the right to vote on such matter, except to vote on the election of directors. Each shareholder has votes equal to the number of shares held, and must allocate all their shares to one vote on each decision: to agree, disagree, or abstain. Shareholders cannot divide the number of shares to vote, except for the proxies from custodians in Thailand,

who are the custodians of foreign shareholders, as they can divide their votes as entrusted by each foreign shareholder.

In voting on each agenda item, the Chairman shall inquire whether any shareholder wishes to cast a dissenting vote or to abstain from voting. In the event a shareholder wishes to cast a dissenting vote or to abstain from voting, such a shareholder is requested to identify himself/herself, to indicate his/her vote on the ballot containing a barcode received during registration, and then sign the ballot. The Bank's officers will collect such ballots for the counting of votes.

In the event that more than one box is marked in the ballot except in the case of proxies from custodians in Thailand, or if the mark on the ballot is not clear, the ballot is crossed out, or there is no signature on the ballot, such ballot shall be considered a voided ballot and will not be counted.

In counting the votes, dissenting votes and abstentions indicated on the proxy forms and ballots will be counted, the total of such votes will be subtracted from the votes of the total number of shares of those shareholders attending the Meeting, and the remaining number of votes will be considered as voting for the approval of the said agenda item.

In counting the votes for agenda item of this Annual Ordinary Meeting of Shareholders, the Bank will use the majority vote of the shareholders who attended the Meeting and cast their votes without counting the votes of the abstaining shareholders.

For the shareholders who cast votes in advance and the shareholders who have appointed the Bank's

directors to attend and vote on their behalf, their votes will be counted in accordance with their intentions.

It is noted the number of votes for each agenda item may not be equal, as there may be more shareholders or proxies attending the meeting or exiting early.

Results of the counting of votes will be reported to the Meeting after the vote counting process has been completed, where the results shall detail the approval, disapproval, abstention and invalid ballots. Results of the agenda of the election of directors shall be reported individually.

If any shareholder or proxy wishes to ask questions or make comments, he/she is requested to write the questions or comments with his/her name and surname clearly written on the paper provided by the Bank and to pass it to the Bank's officer who will gather it and hand it to the Secretary to read during the relevant agenda items. The Bank reserves the right not to answer questions from shareholders or proxies whose names and/or surnames are incomplete. Questions in English will be translated into Thai and answered in Thai.

Shareholders who wish to leave the Meeting are requested to return ballots to the Bank's officers

outside the meeting room for further verification of the votes.

Thereafter, three witnesses were appointed at each counting point on the 29th Floor and 30th Floor, namely one person from Deloitte Touche Tohmatsu Jaiyos Co., Ltd, and two persons selected from those shareholders in the meeting room who expressed their wish to be witnesses. The panel of three witnesses at each counting point comprised: (1) for the counting point on the 30th Floor: Mr. Sitthiphong Charoenkhunawuth, an auditor, Mrs. Nuchalee Yuchayuntee and Miss Poonsri Sakhornrad, representatives of shareholders; and (2) for the counting point on the 29th Floor: Miss Nutchanart Promruang, an auditor, and Miss Pornpen Thamaruttanawong and Miss Suthima Vachranukulkieti, representatives of shareholders.

Acknowledgement of the report on the results of operations for the year 2025

The Bank is guided by its commitment to sustainability and is philosophy of being a trusted partner and reliable close friend. This emphasizes the value it places on partnerships and being a responsible financial services provider that has a positive impact on the communities and environments in which it operates in alignment with its five key priorities.

1. Quality Growth

   • The Bank focuses on connecting ASEAN through regionalization, transition finance and responsible lending, while staying close to its customers to maintain quality assets and deliver sustainable growth.

2. Platform Partner

   • It continually enhances platforms and form strategic partnerships so it can deliver highly relevant and secure products and services to customers.

3. Wealth and Wellbeing

   • It develops best-in-class products and services and cultivates its people to support its customers to achieve their wealth and financial security goals.

4. Intelligent Organization

   • It harnesses the power of data-driven insights, innovation and technologies such as AI and a centralized data repository, while ensuring data governance and robust security, to better serve customers and stakeholders.

5. Foundation Strengthening

   • It fosters talent, skills development, technological know-how and new ways of working, while enhancing technology and risk management systems to strengthen its foundations for future growth.

Some highlights regarding the Bank's major developments during 2025 included:

• Enhanced the Cash Management platform with new capabilities that deliver greater convenience, efficiency and control for its customers.

• Introduced the Great Green Transition project to support businesses in Thailand as they shift to a low-carbon economy and sustainable practices.

• Launched Bangkok Bank Travel Card which supports seamless spending and currency exchange in Thai baht, allows customers to easily purchase 11 foreign currencies in advance, and can be used worldwide.

• Launched Merchant Pro, an application for merchants to receive payments via QR Code, PromptPay and card schemes such as Visa, Mastercard, Weixin Pay (WeChat Pay) and Alipay.

• Achieved new milestones in the continuous development of its payment services hub by adding services such as inward remittances via SWIFT, Application Programming Interface (API) and PromptPay.

• Became the first Thai bank to join the Cross-border Interbank Payment System (CIPS) as a Direct Participant. This provides clients who trade in Chinese yuan with faster, more efficient and easily tracked transactions.

• Continued to expand its Cross-border QR Payment services for inbound visitors by extending the service to South Korean travelers who can now make convenient QR payments at participating merchants in Thailand through Paybooc App.

On the results of operations as of December 31, 2025, the Bank's total assets amounted to Baht 4.606 trillion, an increase of Baht 54,963 million from the end of 2024. Loans amounted to Baht 2.608 trillion, a decrease of Baht 85,015 million, with loans to large corporate customers continuing to grow.

For liabilities and shareholders' equity, the Bank's total deposits amounted to Baht 3.196 trillion, an increase of Baht 26,630 million. Shareholders' equity attributable to owners of the Bank amounted to Baht 573,923 million, an increase of Baht 18,884 million.

In 2025, the Bank's total operating income increased by Baht 2,687 million. Net interest income decreased in line with policy interest rate trends and the slowdown of loan growth. Non-interest income increased primarily due to gains from financial instruments measured at fair value through profit or loss and gains from investments which aligned with the market trend. Operating expenses increased from operational efficiency improvements to drive the organization to the future as well as appropriate expense management.

In 2025, the Bank set aside expected credit losses of Baht 36,147 million, resulting in the net profit attributable to owners of the Bank for 2025 of Baht 46,007 million, an increase of Baht 796 million from the end of 2024.

The Bank places great importance on anti-corruption efforts and cooperated with and supported both public and private sector measures against corruption. The Bank has been certified as a member of the Thai Private Sector Collective Action Against Corruption (CAC) since 2015, with certification valid for a three-year period and continuously renewed. In addition, the Bank participated in the CAC Change Agent program by organizing activities to encourage its business partners to declare their intention to join the CAC. As a result of these efforts, the Bank was upgraded to CAC Change Agent Certified (3-Star Level), effective from September 1, 2025, for a period of two years. This recognition reflects the Bank's strong commitment to conducting business with integrity, transparency and sustainability, and to promoting anti-corruption practices throughout its supply chain.

United States and Israel and Iran on the Bank's lending, and what measures the Bank has in place to manage

and mitigate the associated risks.

Regarding the approach to managing and mitigating the associated risks, the Bank has divided its measures into three phases:

• Phase 1 focuses on addressing customers' immediate business challenges to ensure business continuity, with particular emphasis on liquidity support through the provision of working capital and additional liquidity facilities.

• Phase 2 aims to support customers in sustaining their businesses and maintaining operations.

• Phase 3 focuses on supporting customers in addressing long-term structural issues in a sustainable manner, such as investing in improvements to production systems, through the provision of long-term loans to build new capabilities aligned with the changing business environment resulting from the energy crisis.

However, following the outbreak of the war in the Middle East, the outlook for interest rates and NIM has changed and the Bank assessed that interest rates and NIM may remain at current levels for some time. On the other hand, the Bank may also need to lower interest rates for certain customers who have severely been affected

by the war situation. Therefore, the Bank's management approach will place greater emphasis on generating additional sources of non-interest income, in addition to effective asset and liability management (ALM) that will help maintain NIM at an appropriate level.

With respect to asset quality, the Bank assessed that NPL may trend upward; however, they are expected to remain at a manageable level. Nevertheless, the Bank will continue to closely monitor and assess the impact of the war situation on its loan customers and will put in place appropriate measures to provide support as necessary.

There were no further questions or comments from the Meeting. The Chairman proposed that the Meeting acknowledge the report on the results of operations for the year 2025.

The Meeting acknowledged the report.

Approval of the Financial Statements for the year ended December 31, 2025

There were no further questions or comments from the Meeting. The Chairman proposed that the Meeting approve the Financial Statements for the year ended December 31, 2025.

The Meeting approved the Financial Statements for the year ended December 31, 2025, which were audited by the auditor, with the following votes:

• Approved 1,108,469,945 votes or 96.9719% of all the votes cast by the shareholders who attended the Meeting

• Disapproved 34,614,000 votes or 3.0281% of all the votes cast by the shareholders who attended the Meeting

Approval of the appropriation of profit and the payment of dividend for the year 2025

1. Allocation as a legal reserve in the total amount of Baht 1,000,000,000, being the allocation for the period of January - June 2025 amounting to Baht 500,000,000 (which had already been made as per the Financial Statements for the year ended December 31, 2025) and Baht 500,000,000 for the period of July -December 2025.

2. Allocation as a general reserve in the amount of Baht 5,000,000,000, which had already been made for the period of January - June 2025.

3. Payment of dividends for the operating results of the year 2025 at the rate of Baht 10.00 per ordinary share, totaling Baht 19,088,428,940 or 42.45 percent of net profit, which was the dividend paid out of accumulated profit. The Bank had already paid the interim dividend at the rate of Baht 2.00 per share on September 26, 2025, and will pay the final dividend at the rate of Baht 8.00 per share on May 8, 2026. The record date for determining the shareholders entitled to the dividend payment shall be April 23, 2026.

There were no further questions or comments from the Meeting. The Chairman proposed that the Meeting approve the appropriation of profit and the payment of dividends for the year 2025.

The Meeting approved the appropriation of profit and the payment of dividends for the year 2025 with the following votes:

• Approved 1,143,381,470 votes or 99.4690% of all the votes cast by the shareholders who attended the Meeting

• Disapproved 6,103,400 votes or 0.5310% of all the votes cast by the shareholders who attended the Meeting

Election of Directors replacing those retiring by rotation

B.E. 2535, as amended, and Article 17 of the Articles of Association of the Bank, which stipulate that at every annual ordinary meeting of shareholders, one-third of the total number of the directors of the Bank shall retire,

seven directors are due to retire by rotation at the annual ordinary meeting of shareholders for 2026, namely, Mr. Deja Tulananda, Mr. Siri Jirapongphan, Mr. Chokechai Niljianskul, Mr. Pichet Durongkaveroj, Mr. Chartsiri Sophonpanich, Mr. Chansak Fuangfu, and Ms. Niramarn Laisathit.

The Board of Directors (excluding the directors with interest) recommended that five directors retiring by rotation, who have been duly considered by the Nomination and Remuneration Committee in accordance with the procedures prescribed by the Bank and possess qualification pursuant to the relevant laws and regulations and suitable for the business operation of the Bank, namely, Mr. Siri Jirapongphan, Mr. Pichet Durongkaveroj, Mr. Chartsiri Sophonpanich, Mr. Chansak Fuangfu, and Ms. Niramarn Laisathit, be proposed to the shareholders for re-election to the Board of Directors for another term. In screening and proposing re-election of such directors, the Nomination and Remuneration Committee has taken into consideration the relevant prescribed policy, criteria and selection methods and is of the opinion that the said five retiring directors possess suitable qualifications and with no disqualification pursuant to any relevant laws or regulations, have the knowledge, skills and expertise that will benefit and be fit for the Bank's business operation, possess high business ethics, vision and a positive attitude towards the Bank, and invariably perform their assigned duties to their utmost with responsibility, integrity and honesty. The retiring directors' performance of their duties as the Bank's directors has so far been highly beneficial to the Bank, as reflected in the Bank's operating results. It is noted that the re-appointment of the five retiring directors to the Board of Directors has already been approved by the Bank of Thailand.

The Bank provided shareholders with the opportunity to nominate candidates who possess suitable qualifications for bank directorship in accordance with the rules and guidelines prescribed by the Bank which are disclosed on the Bank's website; however, there were no proposals from any shareholders.

The Meeting approved the re-election of Mr. Siri Jirapongphan, Mr. Pichet Durongkaveroj, Mr. Chartsiri Sophonpanich, Mr. Chansak Fuangfu, and Ms. Niramarn Laisathit as directors for another term with the following votes:

• Mr. Siri Jirapongphan

  • Approved 1,035,751,908 votes or 90.1685% of all the votes cast by the shareholders who attended the Meeting

  • Disapproved 112,933,316 votes or 9.8315% of all the votes cast by the shareholders who attended the Meeting

  • Abstained 1,764,874 votes

  • Invalid ballots 0 votes

• Mr. Pichet Durongkaveroj

  • Approved 1,036,089,589 votes or 90.2586% of all the votes cast by the shareholders who attended the Meeting

  • Disapproved 111,822,755 votes or 9.7414% of all the votes cast by the shareholders who attended the Meeting

  • Abstained 2,531,814 votes

  • Invalid ballots 0 votes

• Mr. Chartsiri Sophonpanich

  • Approved 1,005,910,631 votes or 90.2919% of all the votes cast by the shareholders who attended the Meeting

  • Disapproved 108,154,553 votes or 9.7081% of all the votes cast by the shareholders who attended the Meeting

  • Abstained 36,371,274 votes

  • Invalid ballots 0 votes

• Mr. Chansak Fuangfu

  • Approved 1,000,963,535 votes or 87.1427% of all the votes cast by the shareholders who attended the Meeting

  • Disapproved 147,684,755 votes or 12.8573% of all the votes cast by the shareholders who attended the Meeting

    - Abstained	1,776,374	votes
    - Invalid ballots	0	votes

• Ms. Niramarn Laisathit

  • Approved 1,043,022,585 votes or 90.8020% of all the votes cast by the shareholders who attended the Meeting

  • Disapproved 105,655,405 votes or 9.1980% of all the votes cast by the shareholders who attended the Meeting

Acknowledgement of directors' remuneration for the year 2025

Furthermore, the Secretary informed the Meeting of the benefits and remuneration in 2025 of directors and executives with management authority as well as their directorships in other companies as required to be disclosed by the Bank of Thailand. The details of the benefits and remuneration in 2025 of directors and executives with management authority were presented on pages 141 - 142 and the executive remuneration from the level of executive vice president upwards was presented on page 130 of the 56-1 One Report for the year 2025, and directorship in other companies were presented on Attachment 1 of 56-1 One Report for the year 2025.

but simply sought acknowledgement.

As no further questions or comments were raised, the Chairman proposed that the Meeting acknowledge

the directors' remuneration for the year 2025.

The Meeting acknowledged the directors' remuneration.

Appointment of the auditors and the determination of the remuneration

The Board of Directors proposed that the Meeting approve the appointment of Mrs. Nisakorn Songmanee, certified public accountant registration no. 5035, and/or Mr. Chavala Tienpasertkij, certified public accountant registration no. 4301, and/or Mrs. Darunee Chantra, certified public accountant registration no. 8625, all of Deloitte Touch Tohmatsu Jaiyos Audit Co., Ltd, as auditors of the Bank for the year 2026 with the remuneration in the amount of Baht 23,025,000 and special audit assignment fee in the amount of Baht 777,000 and that the Bank's management be authorized to consider and approve additional fees as appropriate if the Bank requests the auditors to perform other functions. The details were presented on page 20 - 21 of the Notice of the Meeting.

There were no further questions and comments from the Meeting. The Chairman proposed that the Meeting consider the appointment and the remuneration of the auditors for 2026, and authorize the Bank's management to consider and approve additional fees as appropriate if the Bank were to request the auditors to perform other functions.

The Meeting approved the appointment of Mrs. Nisakorn Songmanee, certified public accountant registration no. 5035, and/or Mr. Chavala Tienpasertkij, certified public accountant registration no. 4301, and/or Mrs. Darunee Chantra, certified public accountant registration no. 8625, all of Deloitte Touche Tohmatsu Jaiyos Audit Co., Ltd., as auditors of the Bank for the year 2026 with remuneration of Baht 23,025,000 and special audit assignment fee of Baht 777,000 and that the Bank's management be authorized to consider and approve additional fees as appropriate if the Bank requests the auditors to perform additional functions, with the following votes:

• Approved 1,074,135,369 votes or 94.0024% of all the votes cast by the shareholders who attended the Meeting

• Disapproved 68,532,781 votes or 5.9976% of all the votes cast by the shareholders who attended the Meeting

As a result, the Bank must be prepared to compete with virtual banks by offering services of comparable standards. The Bank has therefore been upgrading its technology stack to enhance the speed and timeliness of its services. In addition, the Bank has invested in various technologies to improve efficiency and productivity, including the adoption of AI innovation, particularly Generative AI and Agentic AI.

to absorb potential volatility or uncertainty arising from unforeseen events. Such events in the past include, for example, the Covid-19 pandemic, the Russia-Ukraine war, and most recently, the conflict involving the United States and Israel with Iran.

On customer front, the Bank has also provided training programs to enhance customers' understanding of the necessary transition, enabling them to integrate such considerations into their planning and operations. The programs aim to support their cost reduction, improve their operational efficiency, and enable the development of products aligned with market demand. In addition, the Bank has developed financial products and promoted environmentally-friendly activities, with a focus on supporting decarbonization, as well as encouraging potential businesses to participate in global supply chains. Examples of such activities include raising awareness and advising on preparations for complying with the Carbon Border Adjustment Mechanism (CBAM) and the European Union Deforestation Regulation (EUDR).

There being no further questions, the Chairman thanked the shareholders and declared the Meeting closed.

Certified as correct.

(Mr. Phornthep Phornprapha) Chairman of the Board of Directors Chairman of the Meeting

(Mr. Kobsak Pootrakool) Corporate Secretary

Minutes of the 33rd Annual Ordinary Meeting of Shareholders, April 10, 2026 Page