KASIKORNBANK Strategic Acquisition

• K KASIKORNTHAI Ecosystem Partnership & Harmonized Channel " - ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Orchestrating an ecosystem with partners and providing excellence throughout the customer journey Developing presence where customers are with an excellent customer experience SME Corporate Customers eWallet and Payment Partnership Grob EST Blue f rabbit YOUTRIP LINE MAN Wong LINE Ray 支支付宝 ALIPAY WeCha Joint Venture for Co-Lending through LINE Platform LINE E-Commerce & Lifestyle Platform/Co-Lending through Partners' Platform Laz Retail 000 DCENTRAL COTH Dolfin Thel University and Hospital Chula Investment Platform LU ® Venture Capital* Ооквее HOW Grab N Jitta aspire WORKMATE digio Rate> NIUM HORGANICE DECENTRALIZED Robowealth cryptomind * Sendo favstay pawoon 出國大妏 CARRO PRIMS FoodStory Note: Beacon Venture Capital, a wholly-owned venture capital fund of KBank, invests in companies and startups, via: * Direct investment: a total fund size of USD135mn to invest in early to growth-stage technology startups covering not only FinTech but also consumer internet and enterprise technology, aiming to leverage new technology from startups to support KBank's businesses. However, the logos above only show a portion of our investment. Indirect investment: investments through VC Funds to enable KBank to leapfrog into the world arena and stay abreast of innovative technologies and business models in other regions, e.g. partnered as an LP with VC funds managed by Integra Partners (known as Dymon Asia Capital), Vertex Ventures, Nyca, Jerusalem Venture Partners, Pantera Blockchain Offshore Fund, China Renaissance, Openspace Ventures, Do Ventures and StormBreaker. บริการทุกระดับประทับใจ 33 K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK KBank Unsecured Consumer Lending Landscape & Ecosystem Partnership Partnership & Ecosystem Going Forward S The Valuable Partners for Lending Laz • Different Credit Model by Industry Exploratory model Dolfin Digital Commerce TELCO Existing Credit Customer Existing Non-Credit New-to- KBank KBank x LINE LINE BK LINE) Social Media ECO SYSTEM Ecosystem Platform Credit Transaction Payment Transaction Social Media Telco Grab NCB* Debit & Wealth E- Commerce Ride-Hailing Embed into customer's everyday life application, platform and network owner Engage customers through simplified onboard process IMPROVE Interest (I) . More New and Qualified Customers with Risk- Willingness to pay based Pricing Risk- Based Pricing Qualified Lead Existing Qualified (Q) Ability to Pay Modular credit decision engine capable of providing higher approval rates without compromising risk Note: * NCB = National Credit Bureau บริการทุกระดับประทับใจ 34

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