KASIKORNBANK Analyst Meeting Presentation

K KASIKORNTHAI Relief Measures to Lessen COVID-19 Impact ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Relief measures (the government, the BOT, and KBank) have been offered to help customers through the COVID-19 pandemic. Relief measures help limit short-term impact on asset quality; while, asset quality is closely monitored and constantly reviewed. Total Loans Bt2.4trn Loans Exited Relief Programs Bt476bn 15% of or 19% Total Loans Days Past Due (> 30 days) Bt43bn or 9% Total Loans Loans Able to Pay Bt433bn or 91% Bt2.4trn Exited Relief Programs Bt491bn or 20% Loans in Relief Retail Bt136bn Loans in Programs Bt359bn or 15% Corporate Bt90bn Able to Pay Bt347bn or 97% Relief Programs Bt322bn or 13% SME Bt133bn As of September 2021 Days Past Due (> 30 days) Bt12bn or 3% บริการทุกระดับประทับใจ Able to Pay Bt444bn or 90% 13% of Total Loans Retail Bt108bn Corporate Bt82bn SME Bt132bn As of December 2021 Days Past Due (> 30 days) Bt47bn or 10% Able to Pay Bt302bn or 94% Days Past Due (> 30 days) Bt20bn or 6% 5 K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Relief Measures: To Reflect the Ability-to-Pay of Customers, Both Days Past Due and Stage Classification Are Used to Ensure the Prudence Days Past Due Days Past Due (DPD) 90 DPDs (> 30 days) 30 DPDs Grey Zone Grey Zone Grey Zone Grey Zone is loans classified as Underperforming or Non-performing with qualitative factors, such as Deterioration in financial position or operating results Uncertainty in loan repayments of loans in observation period or in payment holiday package Liquidation or taken litigation process by other banks with high probability of default ■Loans in Stage 2 and Stage 3 are secured with lifetime expected credit loss (ECL) Able to Pay Stage1: Stage2: Stage3: Perform Underperforming Non-performing บริการทุกระดับประทับใจ ■ Management overlays are added for vulnerable industries and economic uncertainties 6

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