KASIKORNBANK Financial Overview

% of Unemployment K EXCELLENCE Other Figures GDP Per Capita (Baht) 200,000 9.8% 8.3% 7.9% 150,000 5.8% 100,000 -1.1% 50,000 11.1% 2005 2006 2007 2008 2009 2010 2011 2012 Unemployment Rate 2.0 1.8 1.5 1.5 1.4 1.4 1.5 1.0 1.0 0.6 0.6 0.5 0.5 0.0 ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Bond Yields 5.00 % 12.0% 4.00 10.0% 7.3% 3.9% 8.0% 3.00 6.0% 2.00 2.60 2.61 2.71 2.75 2.82 2.97 3.04 3.15 3.24 3.28 3.35 3.67 4.0% 2.0% 1.00 0.0% 0.00 -2.0% 6M 1Y 2Y 3Y 4Y 5Y 6Y 7Y 8Y 9Y 10Y 15Y 12/2011 12/2012 5/2013 Foreign Direct Investment 350,000 100.0% 300,000 80.0% THB Million 250,000 60.0% 40.0% 200,000 20.0% 150,000 -28.2% 0.0% 100,000 -20.0% 50,000 -40.0% 0 -60.0% Feb-13 2008 2009 2010 2011 FDI % YoY 2012 2M2013 Source: NESDB, National Statistical Office (NSO), and KResearch K EXCELLENCE Other Figures USA China Singapore Loans to GDP as of 2011 62.8% Korea Japan Malaysia Thailand 116.2% 115.0% 104.0% 95.5% 116.7% 91.4% Note: FDI refers to equity investment, lending to affiliates, and reinvested earnings. Investment in equity is treated as a direct investment when the direct investors own 10% or more of ordinary shares บริการทุกระดับประทับใจ % YoY ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Thai Banks' Net Loans and NPLs 16.00% 14.00% 12.00% 12.87 15.08% 14.04% 6.0% 13.02% 5.3% 12.54% 10.00% 4.0% 8.00% 4.1% 6.00% 4.00% 3.0% 2.0% 2.5% 2.4% 2.00% -0.51% 0.00% -2.00% Dec-08 Dec-09 Dec-10 Dec-11 Dec-12 Mar-13 0.0% % Gross NPLs to Total 0.0% 20.0% 40.0% 60.0% 80.0% 100.0% 120.0% 140.0% Percentage to GDP Note: Data on China, Korea and Japan include loans from commercial banks as well as financial institutions, the rest include loans from only commercial banks Credit Card Statistics % YoY Net Loan --% Gross NPLs Note: % YoY Net loans represent growth of net loans in Commercial banks (include LHBANK) Thai Banks' Liquidity 25.0% 20.0% 14.0% 13.5% 15.0% * 10.0% 6.3% 5.0% 0.0% T 19.6% 15.7% 13.1% 14.2% 4.8% 5.6% 3.9% 10.1% 5.8% 14.3% 11.6% T 2007 2008 2009 2010 2011 Credit Card Loan Growth T 2012 Mar-13 Spending Growth Note: The credit card statistics number include Foreign Banks' Credit Card Source: BOT, NSO, CEIC, and KResearch Millon Baht 2.800.000 2.700.000 2,600,000 2,500,000 2,400,000 2,300,000 2,200,000 2,100,000 Mar-12 Apr-12 May-12 Jun-12 Jul-12 Aug-12 Sep-12 Oct-12 Nov-12 Dec-12 Jan-13 Percentage 90.00 88.69 89.00 88.00 Feb-13 Mar-13 2689 114 87.00 86.00 85.00 Liquidity Assets (In Broader Definition) Gross Loans to Deposits and Borrowings (RHS) Note: The liquidity includes cash, as well as net positions in the short-term money market and net investments บริการทุกระดับประทับใจ 114 loans 113

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