KBank's Strategic Acquisition in Muang Thai Group Holding

K KASIKORNTHAI Classified Loans Cleaning up balance sheet for sustainable normalization will continue Global and local economic risks post challenges for our prudent policy Total loan and AIR Bt2,481bn Bt2,511bn % Comprehensive 6.9% 7.0% %NPL coverage debt restructuring Stage3 Bt93bn 3.7% Stage3 Bt89bn 3.6% Stage2 Bt188bn 7.5% ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Total loan allowance (ECL) Bt133.5bn (5.3% of loan and AIR) 154% Bt128.1bn (5.2% of loan and AIR) 157% Stage3 Bt40.8bn %ECL 43.8% Stage3 Bt38.6bn %ECL 43.5% Stage2 Bt181bn 7.3% Stage2 Bt46.1bn %ECL 24.5% Stage2 Bt43.3bn %ECL 23.9% Stage1 Bt2,230bn 88.8% Stage1 Bt2,211bn 89.1% Stage 1 Bt46.6bn %ECL 2.1% Stage1 Bt46.2bn %ECL 2.1% Dec 2022 Mar 2023 Dec 2022 Mar 2023 บริการทุกระดับประทับใจ ■ K KASIKORNTHAI Balance Sheet Cleanup Updates ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Over the past 4 quarters, total stage2 and stage3 loans declined Bt42bn, and total loan allowance declined Bt20bn. %ECL to Loan and AIR 6.0% 5.6% 4.9% 5.3% 5.2% Total Loan Allowance (ECL) Bt148bn Bt141bn Bt134bn Bt128bn Bt121bn Loan and AIR (Stage 2 & 3) Bt312bn Bt300bn Bt275bn Bt282bn Bt270bn Stage2 Bt205bn 8.3% Stage3 Bt108bn 4.4% Stage2 Bt190bn 7.6% Stage3 Bt110bn 4.4% Stage2 Bt187bn 7.5% Stage3 Bt88bn 3.6% Stage2 Bt188bn 7.5% Stage3 Bt93bn 3.7% Stage2 Bt181bn 7.3% Stage3 Bt89bn 3.6% Sep 2022 Dec 2022 Mar 2023 Mar 2022 Jun 2022 Note: Cleanup methodology covers discounted pay-off with borrowers, write-offs and NPL sales บริการทุกระดับประทับใจ 11 12

View entire presentation