KASIKORNBANK Strategic Acquisition

K KASIKORNTHAI Business Direction ☐ Growth Strategy Dominate Digital Payments Reimagine Commercial & Consumer Lending Democratize Investment & Insurance Corporate Business Trusted partner to enrich corporate customers with best in class financial services and solutions ■ Provide innovative and multi-source of fund raising ■ Offer total solution of collection, payment and settlement Penetrate Regional Markets ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Strengthen Harmonized Sales and Service Experience Improve Value-Based Productivity SME Business Empower SMEs at every business stage ■ Provide holistic banking service and beyond banking solutions ■ Innovative payment solutions ■ Conduct data analytics lending and offer products through appropriate channels, making it easier for smaller businesses to access financial credit World Business Regional digital expansion through 3 strategic plays Aggressive Play: Grow corporate lending portfolio aggressively ■ Mass Acquisition Play: Acquire customers via transactional banking channels and business partners Disruptive Play: Accelerate digital lending and develop BaaS platform Retail Business Empower Retail customers in everyday life Ecosystem orchestrator and harmonized channels to deliver anytime, anywhere experience ■ Data-driven offerings, especially consumer finance ■ Introduce investment platforms, digital lending, and BNPL for low-income segment Private Banking Group International Comprehensive Wealth Management Services Cooperate with Lombard Odier to raise service and product standards to international levels Provide integrated wealth planning services, advising families on wealth management, continuity, and growth ■ Enhance use of technology to improve client experience ■ Build comprehensive client insights from data-mining บริการทุกระดับประทับใจ K KASIKORNTHAI Revenue by Business March 2022 (Consolidated) Loans Portfolio structure ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Non-interest Income Retail Business (29.9%) Corporate Business (35.8%) Average Yield: 5-7% Average Yield: 2-4% SME Business (34.4%) Average Yield: 5-7% Retail Business (47.3%) Corporate Business (34.5%) SME Business (18.2%) * Non-interest income excludes capital market business, treasury business and others Note: Loan portion and loan yield of each customer segment includes loans from the Enterprise Risk Management Division (NPL + Performing Restructured Loans); figures are not comparable with loan data in other pages บริการทุกระดับประทับใจ 55 56

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