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Creating the Future of Finance - Breakthrough Innovation

K KASIKORNTHAI Growth Strategy: Dominate Digital Payment To increase digital market share and active K PLUS users PAY ธนาคารกสิกรไทย 开泰银行 KASIKORN BANK To make payment accessible anytime, anywhere for everyone with secure, convenient, and good customer experience Strategy Key Achievements in 2022 Howin ช้อปห้างเชินกริลง่ายๆ บ่ต้องใช้เงินสด! K Point Consumer Payment K PLUS Empower moment to pay anytime anywhere borderless experience with variety source of fund across channels Commercial Payment Enhance business opportunity and trustworthiness thru reliable payment solution and universal source of fund acceptance capability which fits domestic and overseas ecosystem Regional Payment Enrich CLMV customers' cross border payment experience with simple and cost-efficient solution by leveraging KBank local channels Note: *BNPL = Buy Now Pay Later • Multi Source of Funds on K PLUS - BNPL*, K Point, Partner Point 20 million K PLUS users (+17% YoY) • Real time, full payment covering all major corridors • Increase engagement and stickiness by embedding in customer everyday spending activities Merchant Solution for High Growth Segment • • Multi source of funds acceptance - BNPL*, K Point Uplifting merchant capability for cross platform, cross channel payment acceptance Trustworthy Payment Solution ⚫K BIZ new digital channel for small customers • Realtime Payment API 항API Application Programming Interface Bank โอนจ่ายง่าย ได้หลายบัญชี ทําได้ ในคลิกเดียว IK BIZ Dielen nem SUPPLER โลกุกธนาค 122 บริการทุกระดับประทับใจ +market 27 27 K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Growth Strategy: Reimagine Commercial & Consumer Lending ■To increase consumer credit customer and support SME business with better asset quality To offer lending services with reasonable pricing to small-pocket customers to include everyone in society Strategy Penetrate Consumer Credit By selectively acquire new credit customers focusing on small- pocket segment, and focus on generating additional revenues from potential existing credit customers Support SME Business By promoting business growth of healthy SME customers and accelerating treatments for those SMEs in fragile condition to maximize recovery Leverage CBS relationship To access new business opportunity and to support transitioning into low-carbon business Key Achievements in 2022 853,000 newly acquired credit customers Self-apply channel on K PLUS for unsecured credit ⚫ 1.5 million applications/month: grew by 1.5X YOY ⚫ Bt76bn new bookings; 2X greater than assisted channels 40% reduction in credit model development time 66% reduction in time required for criteria adjustment Note: CBS Corporate Business Segment บริการทุกระดับประทับใจ KATER กสิกรโกยเปิดตัว "K PAY LATER" เป็นธนาคารแรก ช่วยคนตัวเล็กเข้าถึงสินเชื่อชื้อก่อนจ่ายทีหลัง สะดวกผ่าน 1 ไม่มีสลปเงินเดือนก็สมัครได้ 28

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