KASIKORNBANK Financial Overview

K EXCELLENCE The K-Strategy Customer Strategy ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Long-Term Risk-Adjusted Sustainable Profitability PRODUCT & SOLUTION Innovate & be responsive Customer Centricity TO BE CUSTOMER'S MAIN BANK KASIKORNBANK, its wholly-owned subsidiaries, and its strategic partner BRANDING & MARKETING Clear & consistent communication 8 Customer Segments* INTEGRATION SERVICE QUALITY Excellent customer experience at all channels 4 Product Domains The Way We Work Strategic Capabilities Large Corporate Business Medium Business Small & Micro Business PRODUCT DOMAIN 8 Segments High Het Worth Individual ปรกับปัก EXCELLENCE Multi-corporate Business Mass Middle Income Affluent Understanding Customer Needs Innovative & Managing Products Sales & Service Excellence Note: * The definition of eight customer segments can be found in App. page 26 บริการทุกระดับประทับใจ K EXCELLENCE 2013 Financial Targets 2012 Actual 1Q13 Actual 2013 Targets ROE 20.76% 21.23% N/A ROA 1.86% 1.93% N/A NIM Loan Growth 3.58% 3.49% 3.4-3.6% 9.57% 2.19% YTD 9-11% 11.12% YoY Non-Interest Income Growth* 19.72% 16.72% YoY Provision Average per Q Bt2.1bn Bt3.5bn Cost to Income Ratio NPL Ratio (Gross) 45.00% 40.02% 2.16% 2.09% PRODUCT DOMAIN OPERATION & TRANSACTION 2 SAVING & INVESTING PRODUCT DOMAIN 3 FUNDING & BORROWING PRODUCT DOMAIN PROTECTION & INFORMATION Proactive Risk Management ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK (Consolidated) Notes Mid-teens Approximately Bt2bn plus Countercyclical Provision Mid-40s Below 2.4% System ranking maintained (Page 46) Decent and sustainable loan growth; in line with economic growth (Page 9 and 51-54) Mainly driven by fee income and insurance business; net fee income to grow up to mid-teens** and net premium earned-net to grow up to 20% in 2013 (Page 12-13 and 47-49) Higher provision was set aside to serve as countercyclical provision; credit cost revised up to range between 70 - 80+bps in 2013; prudent and aligned with global market environment Low cost to income ratio in 1Q13, to reflect normal seasonal pattern; cost to income ratio will range in mid-40s (Page 14) Manageable with lingering global economic environment (Page 11 and 55) Note: Non-Interest Income includes Net Premium Earned - net (Net Premium Earned less Underwriting Expenses) from Muang Thai Life Assurance (MTL); KBank has a 38.25% economic interest in MTL ** On the consolidated basis, Bancassurance fees are not included, due to the elimination of inter-company transactions (the accounting treatment from the Muangthai Group Holding consolidation) บริการทุกระดับประทับใจ 7 8

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