KASIKORNTHAI Regulatory Capital and Financial Performance Update

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 adverse impact from customers with significant credit deterioration, prolonged economic recovery, and high household debt Corporate 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 ■Continuously improve credit monitoring tools to proactively alert to signs of credit deterioration ■ Enhance efficiency of credit processes for customers with different risk profiles SME Business ■Selective on quality of customers ■■Proactive risk management by visiting customers; raise productivity of sales teams and relationship managers ■■Efficient collection processes ■ Enhance efficiency of credit processes for customers with different risk profiles Retail Business ■Selective on high-value customers regarding prevailing BOT regulations and the Bank's policies ■ Proactive and efficient collection processes based on the Bank's models ■ Analyze behavior regularly to identify weak spots ■ Enhance efficiency of credit processes for customers with different risk profiles บริการทุกระดับประทับใจ 67 K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK J JK Asset Management Co., Ltd. (JK AMC) KBank jmtwork services Company Profile In June 2022, Thailand's first joint venture co-owned by a commercial bank (KBank via KASIKORN INVESTURE (KIV)) and an asset management company (JMT via JAM), with an initial paid up capital of Bt10bn (50% by KIV: 50% by JAM) • • Operating an asset management business, per the relevant laws and criteria, through the purchase or acknowledgement of transfers of impaired assets, as well as foreclosed properties of KBank and KBanks' affiliates, including other financial institutions and companies, both secured and unsecured loans Benefit to KBank • Allowing KBank to manage NPLs with enhanced efficiency, while offering borrowers more options for settling their debt that are suited to their debt servicing ability . Balance Sheet: Income Statement: Cash and room for new good loans NPL, NPA and credit cost with insignificant impact on coverage ratio Net profit from higher net interest income from new loans and lower credit cost ▲ Net profit from share of profit (loss) from investment using equity method #1 in the AMC business within 3 years 9M23 • Bt73.3bn* 2Q22 3Q22 JK AMC Business Plan Initial NPL • Starts transferred Operation KBank NPL Sales 2022 • Total transfer Bt50bn* (KBank) ⚫ Bt72.0bn* Note: *Legal claim amount, not book value of transferring amount; total KBank's NPL transferred mostly to JK AMC บริการทุกระดับประทับใจ 2025 • Target AUM Bt130bn (KBank and others) 68 880

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