KBank Subsidiaries and ASEAN Economic Strategy

K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK TFRS 9: Investment in Securities Portfolio and Structure June 2020(Consolidated) Instrument Type Financial Assets Classification Holding Type (OLD) Asset Type* (Bt bn) 1,000 (Bt bn) 777 867 0.3% 0.2% 850 867 650 663 0.1% 900 777 0.2% 750 0.1% 0.1% 536 0.7% 800 650 663 0.4% 9% 0.2% 0.1% 650 0.2% 700 0.3% 0.3% 14% 16% 0.3% 0.2% 0.7% 51% 536 550 10% 600 15% 0.4% 7% 0.5% 19% 450 500 10% 12% 54% 16% 18% 46% 9% 400 350 56% 15% 63% 300 250 42% 74% 56% 43% 200 66% 53% 52% 64% 150 40% 100 32% 50 0 2% 4% 3% 2% 6% 2016 2017 2018 2019 1H20* -50 2016 2017 2018 2019 Other Investment (Investments in Receivables, Investments in Subsidiaries and Other Investments) Trading Equity Investment Held-to-maturity ■General Foreign Bonds Investment in Receivables ■ Available-for-sales ■ Investments Subsidiaries Corporate Bonds 1H20* Investments Subsidiaries Amortized cost ■Fair value through OCI Fair value through PL ■Government & State Enterprise Bonds ■KBank's guideline for investment portfolio management is to primarily maintain liquidity in order to support a future change in business conditions. In addition, an investment strategy was established in line with changes in economic conditions and the movement of money markets and capital markets both at home and abroad. Investment Portfolio (Bt bn) 2016 650 2017 2018 2019 1H19 1H20 1Q20 2Q20 536 663 777 778 867 788 867 27.66% 11.43% I 11.50% 11.43% I |------| Investment Portfolio (% Growth YoY) 36.10% (17.52%) 23.51% 17.22% Note* The Bank and its subsidiaries have adopted new accounting standards (TFRS 9: Financial Instruments) since January 1, 2020 onwards, some financial statements and financial ratios are not comparable with previous years' financial figures, which were based on the prior accounting standards (non-TFRS9). บริการทุกระดับประทับใจ 81 K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Deposits Growth and Loans to Deposits Ratio June 2020 (Consolidated) Deposits & B/E Loans to Deposits Ratio (Bt bn) 2,700 100% 2,400 | 2,308 2,072 2,100 1,995 1,795 1,879 96.0% 95.9% 96.6% 94.6% 95% 1,800 1,500 LLI 1,200 900 600 300 0 2016 0.3 0 2017 2018 2019 1H20 ■ B/E ■ Deposits Deposits and Loans to Deposits Ratio is in line with peers 90% 92.2% 85% 2016 2017 2018 Loans to Deposits 2019 1H20 2016 2017 2018 2019 1H19 1H20 1Q20 2Q20 Deposits (Bt bn) 1,795 1,879 1,995 2,072 2,005 Deposits (% YoY) 5.2% 4.7% 6.2% 3.9% 2,308 5.4% 15.1% Deposits (% YTD) 5.2% 4.7% 6.2% 3.9% 0.2% I 11.4% 2,202 2,308 11.3% 15.1% 6.3% I 11.4% Loans to Deposits Ratio (%) 94.6% 96.0% 95.9% 96.6% 96.4% 92.2% 92.8% 92.2% ----- บริการทุกระดับประทับใจ 82 62

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