KASIKORNBANK Strategic Acquisition

K KASIKORNTHAI The K-Strategy ■ K-Strategy is reimagined to drive growth and empower customer Purpose Sustainable Development ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK To Empower Every Customer's Life and Business ESG Sustainability Beyond Banking & Innovation Strong Brand Growth Strategy PAY: [[]] Dominate Digital Payment Key Capabilities 1. Ecosystem Partnership & Harmonized Channel 5. Data Analytics Reimagine Commercial & Consumer Lending Democratize Investment & Insurance Strengthen Harmonized Sales and Service Experience Improve Value-Based Productivity 8 TRANSFORMATION JOURNEYS 2. Intelligent Lending 6. Cyber Security 3. Proactive Risk & Compliance Management 7. Performing Talent and Agile Organization บริการทุกระดับประทับใจ Penetrate Regional Market 4. Regional Payment & Settlement 8. Modern World Class Technology Capability K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Scale Up Six Growth Strategies to Strengthen Core Business (1/3) Reimagine Commercial & Consumer Lending A Marketing and Onboard Experience Improve conversion by reaching the right person at the right moment with frictionless onboarding B Risk-Based Pricing Balance risk & return on pre-defined offerings and proactive customer management C Cost-to-Serve (898) A Democratize Investment & Insurance Product Offerings with Competitive Return Offer the right products that fit each customer sub- segmentation, with competitive return & benefits B Optimize Sales & Service Channels Revisit Master RM sales model, leveraging data and technology to improve productivity and advisory services Explore new operating models to reduce cost per transaction (acquisition, servicing & collection) D Exploratory Credit Model C Differentiate credit models by industry/ sub-segment to find more qualified customers E - - Effective marketing campaign to acquire smaller segments through digital channels; explore integrated investment platform Effective CRM Activities and Privileges Engage customers with business and lifestyle activities; revisit WISDOM privileges with value differentiation to customers Effective Asset Quality Management Use data to upgrade asset quality management to reduce cost of credit บริการทุกระดับประทับใจ 25 25 26

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