Currency and Interest Rate Outlook

K KASIKORNTHAI Proactive financial relief programs and thereafter ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK ■ Proactive financial relief programs to mitigate adverse impact from COVID-19 pandemic Relieve Broad-based financial relief measures ■ Proactive relief measures to customers with adverse impact from COVID-19 outbreak Financial relief measures For Business 6-month payment period (Payment Holiday or known locally as Debt Holiday) Financial aids programs i.e. payment deferral of principal and/or interest Liquidity injection programs such as BOT soft loans, etc. For Individual Reduce minimum payment for unsecured products Refine Proactive monitoring & customized measures ■ Proactive monitoring with an enhancement on data-driven risk- based analytics to better identify customer at risk and appropriate financial relief measure Revive Converge to new normal ■Lending business expansion with new lending capability leveraging data analytics Can pay DEBT Target Port Lead Reach Generation Marketing & Offering Credit Assessment Monitoring & Collection 000A 0000 PAY Proactive customer Can't pay management with data- driven risk- based customer analytics Provide appropriate relief measures / Expected Outcome Wider Customer Reach Higher Conversion Optimized Risk Return Faster Time to Market Payment deferral of principal and/or interest restructuring / NPL บริการทุกระดับประทับใจ 63 K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Proactive risk management to counter economic slowdown and high household debt ■Continue to deploy proactive credit portfolio / risk management / asset quality management to mitigate an adverse impact from prolonged economic recovery and high household debt Corporate Business SME Business Retail Business ■ Focus on high potential industries less impacted by economic slowdown ■ Closely monitor customers in high risk industries and supply chains > Actively monitor early warning signs ➤ Promptly respond to adverse events ■Selective on quality of customers ■Proactive risk management by visiting customers; raise productivity of sales teams and relationship managers ■Efficient collection process ■Selective on high-value customers regarding prevailing BOT regulations and the Bank's policy ■ Proactive and efficient collection process based on the Bank's models ■ Analyze behavior regularly to identify weak spots บริการทุกระดับประทับใจ 64 70

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