Currency and Interest Rate Outlook

K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Strengthen Harmonized Sales and Service Experience Reshape channel mix and sales model according to evolving customer behavior, to deliver better experience and productivity Optimize physical channel 2 network by maintaining coverage, resizing, and remodeling Banking Agent K PLUS as OPEN 1 PAYMENT PLATFORM K+ and Authenticator (K-ID) Branch Harmonized LINE Channel Strengthen ATM/CDM K-Cyber K-Corporate Connect digital marketing, develop digital/hybrid onboarding 4 KCC complements digital channels by providing Website Contact Center RM/PS TSA/DSA troubleshooting and educational digital service 3 Enhance sales model to deliver total solution with best customer fit Note: KCC = K-Contact Center; RM = Relationship Manager; PS = Product Specialist, TSA = Tele Sale Agent, DSA = Direct Sale Agent บริการทุกระดับประทับใจ 27 27 ☐ K KASIKORNTHAI Improve Value-Based Productivity ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Dynamic and flexible resource allocation aligned with strategic direction and support to new businesses, e.g. digital payment, credit reimagining, investment and insurance democratization, and regional market penetration ■ Spending effectiveness aligned with business priorities and desired value of product proposition ■ Productivity improvement focused on Integrated End-to-End Customer Journey and Organization-wide Support Excellence using lean management toward data driven in the areas of: Seamless customer service experience and sales productivity enhancement ▪Optimize branch & ATM network ■Enhance digital on-boarding ▪Drive customer migration to chat bot and self- service options on K PLUS ▪Increase sales productivity using data analytics Human resources optimization ▪Focus on lean organization with organizational design, workforce management through staff redeploying, upskilling, and reskilling ■Create organizational infrastructure to drive agile working environment and workplace redesigned IT modernization and procurement effectiveness ■Improve asset utilization; optimize maintenance service /license costs and contract negotiations ▪Design IT architecture and infrastructure together with adopting modernized technology for cost optimization Operational process improvement ▪Enhance cash handling optimization and centralization model ■Streamline and digitize back-office processes ▪Strengthen E2E credit and non-credit risk product processes ▪ Enhance data analytics tools for risk and compliance monitoring บริการทุกระดับประทับใจ 28 28

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