KASIKORNBANK Strategic Acquisition

K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Relief Measures: To Reflect the Ability-to-Pay of Customers, Both Days Past Due and Stage Classification Are Used to Ensure the Prudence Days Past Due Days Past Due (> 30 days) Able to Pay (DPD) 90 DPDs 30 DPDs Grey Zone Grey Zone Grey Zone Stage2: Stage3: Stage1: Perform Underperforming Non-performing Grey Zone is loans classified as Underperforming or Non-performing with qualitative factors, such as Deterioration in financial position or operating results • Uncertainty in loan repayments of loans in observation period or in payment holiday package Liquidation or taken litigation process by other banks with high probability of default ■Loans in Stage 2 and Stage 3 are secured with lifetime expected credit loss (ECL) ■ Management overlays are added for vulnerable industries and economic uncertainties บริการทุกระดับประทับใจ K KASIKORNTHAI Litigation Process Litigation process in Thailand takes about 2-3 years Litigation Process Under Negotiation ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Period Negotiate, await approval, document preparation & lawyer process Approximately 2 months Pre-court (Notice) Issue notice & court filing Approximately 2 months In Court Trial / wait for court ruling Approximately 9-18 months Execution Collect payment ruled by court or foreclose Approximately 3 months Public Auction Liquidation process บริการทุกระดับประทับใจ Approximately 6-9 months 71 72 22

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