Currency and Interest Rate Outlook

K KASIKORNTHAI The K-Strategy ■ K-Strategy is reimagined to drive growth and empower customer Purpose Strong Brand ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK To Empower Every Customer's Life and Business STRONG TRUSTWORTHY BRAND Γ PAY: Growth Strategy Dominate Digital Payment Reimagine Commercial & Consumer Lending Key Capabilities 1. Ecosystem Partnership & Harmonized Channel 5. Data Analytics 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 9 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 Bt2.3trn Loans Exited Relief Programs Bt516bn Total Loans Able to Pay Bt486bn or 94% Loans Bt2.4trn Exited Relief Programs Bt480bn or 20% 14% of or 23% Total Loans Days Past Due (> 30 days) Bt30bn or 6% Loans in Relief Programs Bt319bn or 14% Retail Bt89bn Corporate Bt94bn Able to Pay Bt287bn or 90% SME Bt136bn As of March 2021 Days Past Due (> 30 days) Bt32bn or 10% บริการทุกระดับประทับใจ Able to Pay Bt438bn or 91% Loans in Relief Programs Bt338bn or 14% 14% of Total Loans Retail Bt108bn Corporate Bt95bn SME Bt135bn As of June 2021 Days Past Due (> 30 days) Bt42bn or 9% Able to Pay Bt327bn or 97% Days Past Due (> 30 days) Bt11bn or 3% 10

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