KBank's Strategic Acquisition in Muang Thai Group Holding

K KASIKORNTHAI Sustainable Development Framework and Policy ASPIRATIONS SD FRAMEWORK GOAL COMMITMENT SD POLICY MATERIAL AREA Environment Bank of Sustainability ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Be an ESG Leader among Banks in Southeast Asia Ensuring environmental stewardship towards a net zero-carbon society We are committed to preserving the environment and reducing the impact of climate change. 1. Committing to becoming Net Zero in our own operations by 2030 2. Committing to reducing greenhouse gas emissions in our financed portfolio in line with Thailand's aspirations; reducing greenhouse gas emissions in significantly impacted sectors, both in terms of greenhouse gas emission volume and the proportion of loans extended to each sector; and accelerating this journey where possible 3. Being the leader in innovative "Green Finance" in Thailand 4. Providing services beyond financial solutions to support decarbonization in Thailand • GREEN OPERATIONS ⚫ SUSTAINABLE FINANCE Society Being a responsible corporate citizen to create a sustainable society We are committed to developing strong relationships with employees and society to better livelihoods and increase prosperity. STAKEHOLDER ENGAGEMENT 5. Ensuring financial inclusion and promoting financial literacy 6. Safeguarding customer data security and privacy 7. Ensuring the "Best Place to Work, Learn and Lead" by embedding Green DNA and creating future-ready workforce 8. Respecting for human rights and diversity 9. Promoting the development of youth potential as well as the pursuit of environmental, public and social activities ⚫ FINANCIAL INCLUSION and FINANCIAL/CYBER LITERACY ⚫ RESPECT TO HUMAN RIGHTS ⚫ CUSTOMER DATA SECURITY AND PRIVACY Governance / Economy Being an accountable bank to create sustainable profitability We are committed to strong ESG principles to be a responsible and accountable bank 10. Ensuring business operations under good corporate governance practices and delivering services to customers with fairness 11. Adhering to customer centricity by initiating financial innovations that meet every aspect of customers' needs 12. Ensuring efficient risk management focusing on environmental, social, and governance (ESG) issues ⚫ ESG RISK MANAGEMENT AND COMPLIANCE PARISIONS บริการทุกระดับประทับใจ K KASIKORNTHAI KBank Sustainable Development Journey Bank of Sustainability ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK KASIKORNBANK conducts business with the principles of a Bank of Sustainability, supported by good corporate governance principles, as well as appropriate risk and cost management. We strive to balance economic, social, and environmental dimensions to achieve goals and create sustainable long-term returns. The philosophy of sustainable development is instilled in all our operations as part of our Green DNA, ensuring maximum benefit for all stakeholders and paving the way for sustainable growth. KBank Sustainable Development Journey CSR after process CSR in process SD Policy Human Right Policy BOT & TBA Responsible Lending 2010 2012 SD Report 2014 SD Policy ESG credit policy Net Zero Commitment Decarbonization PCAF 2016 2019 2020 2021 Human Right Due Diligence Carbon Neutral Scenario Analysis UN PRB TCFD* UN PRI 2022 UN Global Compact Net Zero 111 INTERNATIONAL = Bloomberg FTSE4Good MSCI The first Bloomberg Gender-Equality Index (GEI) member from Thailand. The Bloomberg Gender-Equality Index (GEI) distinguishes companies committed to transparency in gender reporting and advancing women's equality for five consecutive years (2019-present) A member of the FSTE4Good Emerging Index for six consecutive years (2016-present) KBank's Leadership Level rating is at AA for its ESG performance among emerging market banking sector peers +CDP A LIST 2022 CLIMATE Pride of KBank The first Thai commercial bank with CDP A List (Leadership Level) in Climate Change, assessed by the Carbon Disclosure Project (CDP) The first and only commercial bank in Thailand and ASEAN selected as a Dow Jones Sustainability Indices member of the DJSI World Index and DJSI Emerging Markets Index for seven consecutive years (2016- present) Top 1% 86/100 KBank was ranked in the top 5% of the S&P Global ESG Score 2022 for the banking industry with score of 86/100 in the S&P Corporate Sustainability Assessments 2022 NATIONAL THSI THAILAND SUSTAINABILITY INVESTMENT 2022 ESG100 LCSB Included in Thailand Sustainability Investment (THSI) for seven years (2015, 2017-2022) carton ESG 100 certificate 2022 (Certified by Thaipat Institute) An Excellence award under The Low Carbon and Sustainable Business Index (LCSI) award (2021- 2022) BEST Sustainability Disclosure Award 2022 granted by Thaipat Institute The first and only commercial bank in Thailand granted Carbon Neutral Certification (2018-2022) SET Sustainability Awards granted by the Stock Exchange of Thailand - Best in Sustainability Awards (2022) and Highly Commended in Sustainability Awards for three years (2018-2019,2021). *For more information on KBank Task Force on Climate-related Financial Disclosures (TCFD), please see our Sustainability Report or visit our website at www.kasikornbank.com บริการทุกระดับประทับใจ 112

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