Currency and Interest Rate Outlook

k KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK MTL Investment Portfolio and Insurance Premium MTL Investment Portfolio: MTL Total Premium Fixed Income accounted for around 84% (bn) 120 Debestare 27.2% 102.7 94.5 100 83.8 75.3 Stack 11.3% 80 60 Neoba 3.%%% 40 31.1 Policy Loan 3.7% 20 Gov & S/E Unit Thrust Bond 3.5% 48.7% 200 71.6 Depart 6.476 2017 Mortgage Total MTL Industry Premium Growth 36.0 (% YOY) Y2017 6% 6% 22.8 26.0 21.6 23.6 Y2018 -8% 4% 12.4 Y2019 -11% -3% 71.7 57.9 53.8 Y2020 -10% -2% 1H21 0% 3% 2018 2019 2020 1H21 New Business Premium Renewal Year Premium ■Total Premium 100% actment Property Lon 0.4% 0.5% Assets Under Management (AUM)* (1H21): Bt 551,866 bn MTL Total Premium by Products: Ordinary product accounted for around 83% in 1H21 Source: The Thai Life Assurance Association MTL Total Premium by Channels: Bancassurance accounted for about 63% in 1H21 100% 80% 80% 60% 60% 40% 40% 20% 20% 0% 2017 2018 2019 2020 1H21 0% Group Personal Accident ■Industrial Ordinary 2017 ■ Other 2018 ■Direct Marketing 2019 2020 1H21 Bancassurance ■Agents *Remark: Invested Assets + Investment Property Source: The Thai Life Assurance Association (TLAA) / 2019 - 2Q2021 data from TLAA monthly report (new format) บริการทุกระดับประทับใจ K KASIKORNTHAI MTL International Business Expansion ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK MTL Current International Business Project (On-going) Cambodia Company Name Sovannaphum Life Assurance Dara Insurance Plc. Plc. Lao PDR ST-Muang Thai Insurance Co., Ltd. Vietnam MB Ageas Life Insurance Co., Ltd. Entry Strategy เมืองไทย Joint Venture with Canadia Investment Holding Plc. Joint Venture with Individual Shareholders Ownership by MTL 49% 25% Joint Venture with ST Group Co., Ltd and Muang Thai Insurance Company Limited (MTI) Joint Venture with Military Bank and Ageas 22.5% 10% Myanmar Operation Year 2015 2018 2016 2017 2014 Business Operation Life Insurance General Insurance Composite Insurance (Life & General) Life Insurance Representative Office บริการทุกระดับประทับใจ 97 98

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