KASIKORNBANK Strategic Acquisition

K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Penetrate Regional Market: KBank's Regional Digital Expansion via 3 Strategic Plays ■To achieve rapid regional digital expansion in AEC+3, KBank will use 3 strategic plays, each supporting the others, to build growth momentum and accelerate customer base development & financial return Strategic Plays DIGITAL LENDING & BANKING-AS-A-SERVICE End-to-end online high-yield credit capabilities with expansion to lending platform (BaaS: Bank as a Service) Disruptive Play Origination Monitoring Mass Acquisition Play CREDIT TECH Underwriting Credit Scoring Loan Booking Guarantee Collection Operation KBank & FI Partners MASS ACQUISITION WITH TRANSACTIONAL BANKING Customer acquisition through local platforms with engagement via transactional banking Business K-Cyber Banking EDC & PGW Ecosystem Partners AGGRESSIVE CORPORATE LENDING Retail K+ ATM / Agent Aggressive lending by capturing four main customer groups Aggressive Play Customer Group Locally Listed Companies Local Large Corporates TDI AEC+3 2022 Strategic Actions Accelerate digital lending and develop BaaS platform Digital value chain financing ecosystem and Better Me lending Digital lending and BaaS platform Acquire customers via transactional banking channels and business partners Value chain financing and online solo-lending K PLUS transactional banking Grow corporate lending portfolio aggressively Cross border VCF for corporates and lead arranger for Non-bank Fls Corporate lending and non-funded solutions to LLC, TDI and AEC+ Note: TDI = Thai Direct Investment; EDC Electronic Data Capture; PGW = Payment Gateway บริการทุกระดับประทับใจ K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Strengthen Harmonized Sales and Service Experience Reshape channel mix and sales model according to evolving customer behavior, to deliver better experience and productivity 1 K PLUS as OPEN PAYMENT PLATFORM K+ and Authenticator (K-ID) Branch Harmonized LINE Channel Strengthen Optimize physical channel 2 network by maintaining coverage, resizing, and remodeling Banking Agent K-Cyber K-Corporate Connect digital marketing, develop digital/hybrid ATM/CDM onboarding 4 KCC complements digital channels by providing 3 Website RM/PS Contact TSA/DSA Center troubleshooting and educational digital service Enhance sales model to deliver total solution with best customer fit Note: KCC = K-Contact Center; RM = Relationship Manager; PS = Product Specialist, TSA = Tele Sale Agent, DSA = Direct Sale Agent บริการทุกระดับประทับใจ 31 32 22

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