KASIKORNBANK Strategic Acquisition

K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Funding Structure and Interest Rate Movement March 2022 (Consolidated) Funding Structure Deposit Structure (Bt bn) 2,889 2,908 (Bt bn) 3,200 2,502 2,800 2,800 2,194 2,236 6% 6% 2,599 2,634 3% 2,400 2,345 2,400 6% 4% 4% 3% 3% 2,000 2,072 1,995 18% 18% 20% 2,000 4% 22% 23% 3% 1,600 1,600 77% 1,200 91% 93% 94% 90% 91% 1,200 76% 74% CASA 800 800 71% 72% = 82% 400 400 0 0 6% 6% 6% 6% 5% 2018 2019 2020 Deposits ST and LT Borrowings 2021 Interbank and Money Market 1Q22 2018 2019 2020 2021 1Q22 Current ■Savings Term KBank Interest Rate Movement (Retail customers) ST and LT Borrowings (%) Deposit rates (%) (Mar 6, 2021) (Bt bn) 7 Savings 0.25 125 6 103 Fixed 3M-12M 0.32-0.40 100 5 82 69 78 Fixed 24M-36M 0.45-0.65 75 71 4 87% 50 3 Lending rates (%) (May 22, 2020) 84% 100% 99% 100% 2 25 MLR 5.47 0.17% 16% 0.19% 1.32% 13% 1 0 MOR 5.84 2018 2019 2020 2021 1Q22 0 2015 2016 2017 2018 2019 2020 2021 1Q22 MRR 5.97 ■ST Borrowing ■ B/E & Others LT Borrowing MLR Savings Fixed3M 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 (Per annum) Interest 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 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 Note: *The issued notes are drawn from the Bank's USD 4bn Euro Medium Term Note Programme (EMTN) บริการทุกระดับประทับใจ 95 96

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