KBank Subsidiaries and ASEAN Economic Strategy

Million Person K KASIKORNTHAI Economic Condition Highlights: June 2020 Jun20 CCI and Jul20 BSI improved, due to the relaxation of lockdown measures ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Jun20 Private investment and private consumption contracted at a lower rate than previous months 10% 90 60 ■1Q20 2Q20 May-20 Jun-20 85 0% 55 80 75 50 % YoY -10% -4.7% -3.3% -3.2% 70 42.945 -20% -12.1% -12.6% -18.7% -18.9% 65 40 -30% -24.3% 55 35 -40% 50 45 49.2 230 PCI PII Jan-16 Jul-16 Jan-17 Jul-17 Jan-18 Jul-18 Jan-19 Jul-19 Jan-20 Jul-20 Consumer Confidence Index (CCI) Registered Construction Imports of Consumer's Consumer's Consumer's Motor Materials Capital Non Durable Durable. Service Vehicles Goods Business Sentiment Index (BSI) There were no tourist arrivals in 2Q20, due to inbound travel restrictions Jun20 exports continued to contract drastically, due to the pandemic and resulting lockdowns around the world Export Value 45.0 40.0 20.4% 4.2% 8.9% 9.4% 7.3% 40% (USD Million) 20% 35.0 28,000 0% 30.0 25.0 -6.5% -20% 24,000 20.0 -66.2% -100.0% -40% 20,000 15.0 10.0 24.8 29.9 32.5 35.6 38.2 39.8 0.0 -60% 16,000 -80% 12,000 5.0 -100% 0.0 -120% 8,000 2014 2015 2016 2017 2018 2019 1 6M20 Jun-20 4,000 0 No of Foreign Tourist Arrival --% Tourist Arrival YoY (RHS) % YoY 30 -23.2 20 10 0 -17.3 NOTT -10 -20 -30 -40 Exports excluding gold % YoY Sources: Bank of Thailand (BOT), Ministry of Commerce (MOC), University of the Thai Chamber of Commerce (UTCC), and Office of Industrial Economics (OIE) Jan-16 Sep-16 May-17 Jan-18 Sep-18 May-19 Jan-20 Exports บริการทุกระดับประทับใจ Exports excluding gold Exports % YoY K KASIKORNTHAI Exports and Imports: 1H20 Exports by Country ธนาคารกสิกรไทย 开泰银行 KASIKORN BANK Imports by Country Middle East 3.2% Others 21.1% CLMV 10.6% Others 21.0% ASEAN 24.9% Middle East 6.7% China 23.1% Hong Kong 5.1% U.S.A. 14.3% EU 8.4% EU Japan 8.8% 9.8% China 12.8% U.S.A. 8.9% ASEAN CLMV 5.9% Japan 18.6% 13.3% Top 10 Exports by Product (Customs Basis) Top 10 Imports by Product (Customs Basis) 1H2020 1H2020 Total Exports, Custom Basis Import, Custom Basis USD Millions Weight % YoY USD Millions Weight % YoY Total Exports, 114,343 100.0% -7.1% Total Imports, 103,642 100.0% -12.6% Electronic machines 17,226 15.1% 0.2% Crude oil 9,500 9.2% -18.0% Electrical equipment 10,988 9.6% -11.2% Machinery and parts 8,986 8.7% -13.5% Precious stones and jewellery 10,078 8.8% 39.1% Electrical machinery and parts 8,071 7.8% -5.5% Motor cars, motor vehicles, parts and accessories 9,312 8.1% -32.6% Electrical, electronic equipment and parts thereof 7,713 7.4% 3.9% Chemicals 7,460 7.2% -5.1% Polymers of ethylene in primary forms 3,799 3.3% -18.7% Chemical products 3,276 2.9% -17.3% Iron, steel and products 5,158 5.0% -22.0% Parts and accessories of vehicles 4,448 4.3% -22.6% Machinery and parts thereof 3,075 2.7% -14.8% Other metal ores, metal waste scrap, and products 4,114 4.0% -9.3% Textiles 2,857 2.5% -16.9% Refine fuels 2,856 2.5% -23.2% Computers, parts and accessories 3,892 3.8% -5.4% Iron and steel and their products 2,564 2.2% -10.9% Vegetables and vegetable products 3,655 3.5% 3.6% Source: Ministry of Commerce บริการทุกระดับประทับใจ 164 163

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