KASIKORNBANK Strategic Acquisition

k KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK MTL Investment Portfolio and Insurance Premium MTL Investment Portfolio: MTL Total Premium Fixed Income accounted for around 85% (bn) Debenture 26.8% 100 94.5 90 83.8 75.3 80 73.0 Total Premium Growth MTL Industry 71.7 Stock 11.2% 70 (%YOY) 60 57.9 53.8 49.3 Y2018 -8% 4% 50 40 Y2019 -11% -3% Note 3.4% 26.0 30 22.8 23.7 21.6 16.9 Y2020 -10% -2% Policy Loan 20 11.1 Gov & S/E 3,5%- 10 5.8 Y2021 -3% 2% Trust Bond 0 1Q22 -6% -2% 3.3% 49.9% Deposit 2018 2019 2020 2021 1Q22 0.4% Investment Property 0.8% Mortgage Loan 0.6% New Business Premium Renewal Year Premium ■Total Premium 100% Assets Under Management (AUM)* (1Q22): Bt 571,576 bn MTL Total Premium by Products: Ordinary product accounted for around 86% in 1Q22 80% 60% 40% 20% 0% 2018 Group 2019 Personal Accident *Remark: Invested Assets + Investment Property 2020 ■Industrial 2021 1Q22 Ordinary Source: The Thai Life Assurance Association MTL Total Premium by Channels: Bancassurance accounted for about 49% in 1Q22 100% 80% 60% 40% 20% 0% 2018 ■ Other 2019 ■Direct Marketing 2020 2021 1Q22 Bancassurance ■Agents Source: The Thai Life Assurance Association (TLAA)/2019 - 1Q22 data from TLAA monthly report (new format) บริการทุกระดับประทับใจ K KASIKORNTHAI MTL International Business Expansion ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK MTL Current International Business Project (On-going) Cambodia Company Name Sovannaphum Life Assurance Dara Insurance Plc. Plc. Lao PDR ST-Muang Thai Insurance Co., Ltd. Vietnam MB Ageas Life Insurance Co., Ltd. Entry Strategy เมืองไทย Joint Venture with Canadia Investment Holding Plc. Joint Venture with Individual Shareholders Ownership by MTL 49% 25% Joint Venture with ST Group Co., Ltd and Muang Thai Insurance Company Limited (MTI) Joint Venture with Military Bank and Ageas 22.5% 10% Myanmar Operation Year 2015 2018 2016 2017 2014 Business Operation Life Insurance General Insurance Composite Insurance (Life & General) Life Insurance Representative Office บริการทุกระดับประทับใจ 109 110

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