KBank Subsidiaries and ASEAN Economic Strategy

K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Proactive risk management to counter economic slowdown and high household debt Continue to deploy proactive credit portfolio/ risk management/ asset quality management to mitigate an adverse impact from prolonged economic recovery and high household debt Corporate Business SME Business Retail Business ■ Focus on high potential industries less impacted by economic slowdown ■Closely monitor customers in high risk industries and supply chains ➤ Actively monitor early warning signs ➤ Promptly respond to adverse events ■Selective on quality of customers ■■ Proactive risk management by visiting customers; raise productivity of sales teams and relationship managers ■ Efficient collection process ■ Focus on high-value customers regarding prevailing BOT regulations ■ Proactive and efficient collection process ■ Analyze behavior regularly to identify weak spots บริการทุกระดับประทับใจ K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK KBank: Financial Aid Programs during the COVID-19 Pandemic ■ Offer financial aid programs to help SME and retail customers during the COVID-19 pandemic Credit Adjustment For Businesses ■ Loan Payments for SMEs: • BOT measures*: 6-month grace period on principal and interest payments for SMEs with credit lines below Bt100mn (Automatic adjustment) Up to 12-month grace period on principal payments for SMEs (program has ended) • "Generous (Business) Owners-Empathetic Creditor" program: a cooperative effort between KBank and business operators to reduce interest rates for 6 months For Individuals ■ Credit Cards: • Reduce minimum installment payment to 5% in 2020-21 and 8% in 2022, returning to 10% in 2023 (Automatic adjustment) • Grace period on principal payments until December 2020; reduce interest rate to 12% from May to September 2020 (as considered by bank)** (program has ended) Xpress Cash: • Grace period on principal payments until December 2020; reduce interest rate to 22% from May to September 2020 (as considered by bank)** (program has ended) ■ Xpress Loan: • 3-month grace period on principal and interest payments** (program has ended) ■ Housing Loans: ■ KLeasing: • Up to 12-month grace period on principal payments or 50% reduction in installment payments for up to 12-months** (program has ended) o 3-month grace period on principal and interest payments** (program has ended) ■ Loans to support liquidity: Loans for SMEs 15 75 • SME Loans with Credit Guarantees by Thai Credit Guarantee Corporation (TCG), with up to 7-year loan repayment period ■ Soft Loans: o BOT measures*: Soft loans for SMEs, with credit limit below Bt500mn, at 2% for 2 years and 6 months interest free 。 GSB soft loans for SMEs, with loan limit of Bt20mn for each SME, at 2% for 2 years of 5-year loan repayment period. (This program has ended, as the total loan limit has been used up) ■ "Zero Interest-rate Loan to Retain SME Staff" program: 0% interest rate with 10-year loan repayment period and 1-year grace period on principal and interest payments for the first year ■ Loans against mutual funds: o Short-term loans for mutual fund holders; mutual fund units can be used as collateral, with a limit from Bt30,000 to 80%-95% of the funds' NAV, at 2% to 5.5% interest Note: According to the Emergency Decree on Financial Assistance to Enterprises affected by Coronavirus 2019 (B.E. 2563), dated April 18, 2020 ** Debtors must register via KBank Live LINE account, K-Contact Center 028888888 and K-BIZ Contact Center 028888822 Source: KBank บริการทุกระดับประทับใจ 76

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