Creating the Future of Finance - Breakthrough Innovation

K KASIKORNTHAI Social Aspect: GOAL Commitment Being a responsible corporate citizen to create a sustainable society ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK We are committed to developing strong relationships with employees and society to better livelihoods and increase prosperity. Material Areas and Targets Financial inclusion and financial/cyber literacy Target: 1) Loans to Small-Pocket Customers in Y2023 = 600,000 customers with strategies as follows: - Select and understand customers using data analytics capabilities and improve credit processes with risk-based offerings, affordability assessment, cost effectiveness, and collection and recovery - Collaborate with partners - Build customer capabilities toward sustainable growth 2) Increase cyber literacy knowledge and awareness to reach 10 million persons in Y2023 Customer data security and privacy Protect customer assets, provide secure services, and ensure care & timely responses as follows: - Deliver secure and efficient services and workplace Strengthen third party risk management Expand detection and responses Respect for Human rights Respect to human rights Human rights risk assessment in all business activities: 100% of KBank and joint ventures of KBank Note: Small-pocket customers include financial inclusion customers; 1) Customers whose salary do not exceed Bt30,000/month 2) Enterprise with sales do not exceed Bt10mn/year Sample of Performance Loan to Small-Pocket Customers: around 588,057 customers Cyber literacy campaign reached more than 10.8 million people in 2022 Number of employee volunteer hours: 216,886 hours Number of beneficiaries from CSR activities: 988,287 persons Employee engagement score: 77% Female in leadership position: 62% Internal employee filled in rate: 85% Respect to human rights: Human rights risk assessment in all business activities: 100% of KBank and joint ventures of KBank จงอย่า AGAN ส 15bdu ตั้ง ได 15175 PAYLATER 55 บริการทุกระดับประทับใจ KBank KAYLATER ช้อปตอนนี จ่ายตอน น 113 K KASIKORNTHAI Governance GOAL Commitment Being an accountable bank to create sustainable profitability ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK We are committed to strong ESG principles to be a responsible and accountable bank Material Area and Targets ESG Risk Management and Compliance ESG credit: 100% of Project Finance requests and medium enterprises (and above) must be processed through the ESG credit assessment Sample of Performance In 2022, 100% of project finance and above medium- sized entrepreneurs passed ESG risk assessment worth Bt514,652mn Corporate Governance and Anti-Corruption Corporate Governance Reviewing KBank practices under Thai IOD, ASEAN CG Scorecard, and Dow Jones Sustainability Indices (DJSI) criteria ASEAN CORPORATE GOVERNANCE Implementing a strategic plan for CG activities to enhance compliance by directors, executives, and staff with CG principles, Code of Conduct, and Anti-Corruption Policy through Organizing training courses and continually communicating via e-Learning system Communicating with companies within KASIKORNBANK FINANCIAL CONGLOMERATE to ensure consistency of operations Reviewing the Statement of Business Conduct, the Code of Conduct, the Statement of CG Principles, CG Policy, and related Charters; keeping them up-to-date in accordance with Ongoing business operations and Bank Sustainability Compliance with laws, international practices, and best practices as prescribed by regulatory agencies and competent agencies • . Anti-Corruption KBank, KAsset, and KSecurities co-signed a declaration of the "Thai Private Sector Collective Action Against Corruption (CAC)" project and have been recognized as CAC certified companies since 2013. BOD approved the revised Anti-Corruption Policy in compliance with the assessment and certification criteria for anti-corruption measures of the Thai Private Sector Collective Action against Corruption. Internal Communication on Anti-Corruption Policy to ensure proper practices within the organization by Organizing training courses for executives and employees Communicating with all directors, executives and employees via KBank electronic networks and website Communicating with suppliers on operational guidelines, including Communication of supplier manual on the Code of Conduct related to business ethics, human rights and labor, anti-corruption, safety and occupational health, and environment for acknowledgment and compliance. Communication of the No Gift Policy for all occasions and festive seasons. Communication of the Bank's procurement procedures and policies, as well as sustainable business operations under good corporate governance, procurement with responsibility and operations in accordance with the ESG principles. Communication of the Code of Conduct and Anti-Corruption Policy. Provision of various channels to receive information, complaints and whistle-blowing บริการทุกระดับประทับใจ 114

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