Annual Report 2015 Bangkok Bank Public Company Limited

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1 4 Reaching Out As Thailand becomes part of a much wider international community, businesses need to think regionally to prosper locally and individuals need to be aware that the AEC will bring changes to their daily lives. Bangkok Bank reaches out to customers by helping them adjust to changing times and provides them with total solutions and new services to meet their needs.

2 5 More 600 than Million People ONE REGION, ONE MARKET The ASEAN Economic Community (AEC) was officially launched on 3 December 205. The 0 countries in the Southeast Asian region will be integrated into a single market and integrated production base. Reaching Out Internationally With the formation of the AEC, Thailand became a member of one of the biggest and fastest-growing trading blocs in the world. All 0 countries in ASEAN Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Singapore, Thailand and Vietnam will join together to form one economic community that will play a greater role in the global economy. The AEC will ultimately remove barriers to trade and investment within the region, and harmonize laws and regulations, such as customs procedures. Meanwhile, new infrastructure will connect the region, opening up new markets and supporting integrated supply chains. As a regional logistics and transport hub for the AEC, Thailand supports the economic development of neighboring countries. The CLMV countries in the Greater Mekong sub-region Cambodia, Laos, Myanmar and Vietnam are the fastest-growing economies in the AEC and Bangkok Bank is helping customers make the most of these opportunities. CHINA AND THE NEW SILK ROAD China is reviving the ancient Maritime Silk Road trading route, which together with the Silk Road Economic Belt will link countries in Asia and Europe, both overland and across the sea. New infrastructure is being built along the routes such as roads, ports, railways and energy projects and Thailand and other countries in Southeast Asia will share in the resulting economic benefits.

3 6 To assist clients to reach out to new international markets, such as in the dynamic and fast-growing Southeast Asian and East Asian regions, we hold seminars for customers, provide specialist advice, and take them on overseas trips to learn about new opportunities. We also help them make new connections and build business alliances by introducing them to other customers from across our international network. To read more about how Bangkok Bank is helping customers succeed in the AEC visit AEC Connect at THINK REGIONALLY, PROSPER LOCALLY As AEC countries become integrated into a larger economic community, local businesses have an opportunity to reach new regional markets. They will also face more competition at home from businesses coming from other AEC countries. The key to success in this changing world is to understand the changes that are taking place and plan accordingly. 40,000km ASIAN HIGHWAY NETWORK The massive Asian Highway Network will extend 40,000 kilometers across 32 countries from Asia to Europe. Thailand s location at the crossroads of ASEAN and as the gateway to the rapidly-growing economies of the Greater Mekong sub-region means it will be a major beneficiary of the growing interconnectedness of Asia. The Thai government s planned infrastructure investments, which include rail, road, seaport and airport development, are expected to gather speed in 206 and this will stimulate the local economy and boost regional integration. KUNMING MANDALAY YANGON CHIANG MAI VIENTIANE HANOI HO CHI MINH CITY BANGKOK PHNOM PENH KUALA LUMPUR SINGAPORE

4 7 Map of Bangkok Bank s Branch Network Myanmar Thailand,38* Hong Kong 2 China 6 Japan 2 USA Cayman Islands UK * Not including self-service outlets Bangkok Bank s International Network Malaysia 5 Bangkok Bank has branches in Thailand s major trading partners China, Hong Kong, Taiwan, Japan, ASEAN, the US and Europe. Altogether we have 32 branches in 5 economies worldwide, including 6 branches within the AEC, while our correspondent banking network extends to over 000 banks globally. Laos 2 Cambodia 32 International Network Locations Indonesia 3 Taiwan 3 Philippines Vietnam 2 Singapore 5 Geographic Coverage Economies As a regional bank we support our customers international expansion through our extensive branch network, our long-standing relationships and local knowledge. Our well-established presence in international markets enables us to be a connecting bridge, bringing together investors, traders and local business partners. We support our customers at every level of the supply chain, helping them grow and prepare for future challenges.

5 8 Reaching Out to Customers In keeping with our commitment to support customers as puan koo kit mit koo baan (aspiring to be a trusted partner and reliable close friend) we seek to understand their needs at every stage of life and provide them with appropriate financial products and services. We help by suggesting solutions that meet their needs as well as providing security and convenience through our omni-channels with anywhere, anytime banking services. SERVICE-MINDED AND CUSTOMER-FOCUSED We seek to understand our customers needs at every stage of life so they have the knowledge and support they require to thrive in their personal, business and professional lives.

6 9 SOLUTIONS THAT MEET CUSTOMERS NEEDS With our Family Banking project we reach out to our customers by tutoring them in groups, such as at their place of work. We teach them about budgeting, developing good savings habits, investments and protection against risks. This helps individuals and their families improve their financial knowledge and increase their financial security. Best Smart Rabbit Siriraj debit card is an innovative, highly-secure chip card with many features such as the ability to make donations to the Faculty of Medicine, Siriraj Hospital and provide personal accident insurance with medical expenses.

7 0 Reaching Out to the Future Bangkok Bank is meeting the challenges of a digital era with innovative services that satisfy customers needs and help them compete and be successful. The Bank s digital banking services reach out to all customer segments. DIGITAL AND SOCIAL MEDIA Thai consumers are becoming increasingly sophisticated as they embrace new lifestyles and enjoy using online services easily accessed through the mobile internet. This means more and more people are turning to online banking services and digital payment options while looking to banks to provide a multifaceted range of services that provide easy access, security, speed and convenience. Technology brings you freedom and enables you to spend more time doing the things you love. To find out how to manage your finances for sustainable wealth visit Money Tutor at moneytutor

8 35 Million Smartphones in Thailand (half the population) Thailand has experienced tremendous growth in digital usage, especially in mobile internet and social media. The average Thai user has.4 mobile phones and half of all Thais use a smartphone, which is a higher penetration rate than in many developed countries. Thai smartphone users spend on average 60 minutes a day on their phones and consume more data than in any other country in Southeast Asia. Bualuang mbanking With our digital banking services we take the Bank to the customer rather than them needing to come to us. The always-on nature of 3G and 4G telecommunications means we can securely reach out to customers and alert them about events such as incoming funds or bill payments coming due. We can also provide new kinds of payment options and convenient ways to make and track their investments.