Currency and Interest Rate Outlook

K KASIKORNTHAI Revenue by Business June 2021 (Consolidated) ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Loans Portfolio structure Non-interest Income * Retail Business Corporate Business (30.1%) (36.1%) Average Yield: 5-7% Average Yield: 2-4% Retail Business (51.3%) SME Business (33.8%) Average Yield: 5-7% Corporate Business (30.2%) SME Business (18.6%) * Non-interest income excludes capital market business, treasury business and others Note: Loan portion and loan yield of each customer segment includes loans from the Enterprise Risk Management Division (NPL + Performing Restructured Loans); figures are not comparable with loan data in other pages * The Bank and its subsidiaries have adopted new accounting standards (TFRS 9: Financial Instruments) since January 1, 2020 onwards, some financial statements and financial ratios are not comparable with previous years' financial figures before Y2020, which were based on the prior accounting standards (non-TFRS9). บริการทุกระดับประทับใจ K KASIKORNTHAI Business Direction Growth Strategy Dominate Digital Payments Reimagine Commercial & Consumer Lending Democratize Investment & Insurance Corporate Business Trusted partner to enrich customer's businesses with best in class financial services and solutions ■ Best funding solutions Penetrate Regional Markets ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Strengthen Harmonized Sales and Service Experience Improve Value-Based Productivity SME Business Bank for SME Customers Integrated business solutions, both financial and non-financial Digital banking for SME ■ Best transaction banking and ■ Data Analytic Lending breakthrough initiator World Business Regional digital expansion through 3 strategic plays Aggressive Play: Grow corporate lending portfolio aggressively with competitive pricing ■ Mass Acquisition Play: Build 4 transactional banking channels to acquire customers through local platforms with low-risk and stage-gate execution Disruptive Play: Pilot digital lending with local partners and build end-to-end online high-yield credit capabilities with expansion to lending platforms (BaaS: Bank as a Service) Retail Business Best Customer-Centric Bank " Ecosystem orchestrator and harmonized channel to deliver anytime, anywhere experience Data-driven offerings, especially consumer finance Private Banking Group International Comprehensive Wealth Management Services Cooperate with Lombard Odier to raise service and product standards to international levels ■ Provide integrated wealth planning services, advising families on wealth management, continuity, and growth ■ Enhance use of technology to improve client experience ■ Build comprehensive client insights from data-mining บริการทุกระดับประทับใจ 47 48

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