KBank Subsidiaries and ASEAN Economic Strategy

K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Funding Structure and Interest Rate Movement June 2020 (Consolidated) Funding Structure Deposit Structure (Bt bn) (Bt bn) 2,800 2,400 | 2,507 2,400 | 2,308 2,194 2,236 5% 2,000 1,879 2,051 2,019 1,795 6% 4% I 1,995 22% 2,072 20% 24% 21% 3% 3% 1,600 23% 2,000 8% 3% 4% 1,600 5% 4% 1,200 74% 71% 1 CASA 72% 1,200 93% 92% = 80% 800 87% 93% 91% 72% 73% 800 400 400 6% 6% 6% 6% 6% 0 0 2016 2017 2018 2019 1H20 2016 2017 2018 2019 1H20 Deposits Term ■Savings Current (%) Interbank and Money Market ST and LT Borrowings KBank Interest Rate Movement (Retail customers) ST and LT Borrowings Deposit rates (%) (May 26, 2020) Savings 0.25 (Bt bn) 96 7 896543210 100 Fixed 3M-12M 0.37-0.45 82 Fixed 24M-36M 0.50-0.70 75 71 71 71 100% 100% 84% 100% Lending rates (%) (May 22, 2020) 50 99% MLR 5.47 25 0.17% 0.04% MOR 5.84 0.40% 0.38% 16% 0.19% 1% 0 MRR 5.97 2016 2017 2018 2019 1H20 2013 2014 2015 2016 2017 2018 2019 1H20 LT Borrowing B/E & Others ■ST Borrowing MLR Savings Fixed 3M บริการทุกระดับประทับใจ K KASIKORNTHAI Long-term Senior/Subordinated Debentures Issue Date Name Long-term Subordinated Debentures ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Туре Feature Amount Maturity Years Interest Rate (Per annum) Interest Payment period Credit Rating 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 14/07/2016 Subordinated Instruments intended to qualify as Tier 2 Capital of KASIKORNBANK PCL No. 1/2016 due 2027 Unsecured 10.5NC5.5 Bt7,500mn 10.5 years (14/01/2027) 3.50% Quarterly AA- (tha) by Fitch Ratings 09/10/2015 Subordinated Instruments intended to qualify as Tier 2 Capital of KASIKORNBANK PCL No.1/2015 due 2026 Unsecured 10.5NC5.5 Bt6,500mn 10.5 years (09/04/2026) 3.95% Quarterly AA- (tha) 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 06/10/2016 Senior Unsecured Notes due 2022* Unsecured 26/08/2015 Floating Rate Notes due 2021* Unsecured Baa1 by Moody's USD400mn 5.5 Years (06/04/2022) 2.375% Semi- annually BBB+ by S&P BBB by Fitch Ratings USD10mn 5.5 Years (26/02/2021) 3m Libor+1.00% Quarterly Note: *The issued notes are drawn from the Bank's USD2.5bn Euro Medium Term Note Programme (EMTN) บริการทุกระดับประทับใจ 83 84

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