Currency and Interest Rate Outlook

K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Funding Structure and Interest Rate Movement June 2021 (Consolidated) Funding Structure Deposit Structure (Bt bn) 2,800 2,502 2,705 (Bt bn) 2,3452,481 2,019 2,194 2,236 6% 2,400 1,995 2,072 4% 2,400 6% 4% 3% 2,000 1,879 20% 20% 3% 3% 24% 2,000 22% 4% 3% 4% 1,600 21% 1,600 1,200 92% 93% 1,200 75% 74% 93% 91% 94% 72% 71% CASA 800 800 = 80% 73% 400 400 0 2017 2018 2019 2020 1H21 0 6% 6% 6% 6% 6% 2017 2018 2019 2020 1H21 ■Deposits ■ST and LT Borrowings Interbank and Money Market Current ■Savings Term KBank Interest Rate Movement (Retail customers) ST and LT Borrowings 2896543 (%) 7 Deposit rates (%) (Mar 6, 2021) (Bt bn) Savings 0.25 100 82 Fixed 3M-12M 0.32-0.40 71 71 69 74 75 Fixed 24M-36M 0.45-0.65 100% 100% 84% 99% 86% 50 Lending rates (%) (May 22, 2020) 2 MLR 5.47 25 25 0.17% 1 0.38% 1.32% MOR 5.84 16% 0.19% 14% 0 0 2017 2018 2019 2020 1H21 2014 2015 2016 2017 2018 2019 2020 1H21 MRR 5.97 ■ST Borrowing ■B/E & Others LT Borrowing MLR Fixed3 M บริการทุกระดับประทับใจ K KASIKORNTHAI Long-term Senior/Subordinated Debentures Issue Date Name Long-term Subordinated Debentures ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Type Feature Amount Maturity Years Interest Rate Interest (Per annum) Payment period Credit Rating 10/08/2021 Additional Tier 1 Subordinated Notes* Unsecured Perpetual NC5.5Y USD350mm 4% Semi- annually Ba1 by Moody's 14/10/2020 Additional Tier 1 Subordinated Notes* Unsecured Perpetual NC5Y USD500mn 5.275% Semi- annually Ba1 by Moody's 02/10/2019 Tier II Subordinated Notes due 2031* Unsecured 12NC7 USD800mn 12 years (02/10/2031) 3.343% Semi- annually Baa3 by Moody's BB+ by Fitch Ratings 14/07/2016 Subordinated Instruments intended to qualify as Tier 2 Capital of KASIKORNBANK PCL No. 1/2016 due 2027 Unsecured 10.5NC5.5 Bt7,500mn 10.5 years (14/01/2027) 3.50% Quarterly AA- (tha) by Fitch Ratings Long-term Senior Debentures 07/12/2018 Floating Rate Notes due 2023* Unsecured USD15mn 5 Years (07/12/2023) 3m Libor+0.95% Quarterly 30/10/2018 Floating Rate Notes due 2023* (Sustainability Bond) Unsecured USD100mn 5 Years (30/10/2023) 3m Libor+0.95% Quarterly Baa1 by Moody's 12/01/2018 Senior Unsecured Notes due 2023* Unsecured USD400mn 5.5 Years (12/07/2023) 3.256% Semi- annually BBB+ by S&P BBB by Fitch Ratings 06/10/2016 Senior Unsecured Notes due 2022* Unsecured Baa1 by Moody's USD400mn 5.5 Years (06/04/2022) 2.375% Semi- annually BBB+ by S&P BBB by Fitch Ratings Note: *The issued notes are drawn from the Bank's USD 4bn Euro Medium Term Note Programme (EMTN) บริการทุกระดับประทับใจ 83 84 4

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