KASIKORNTHAI Regulatory Capital and Financial Performance Update

K KASIKORNTHAI Classified Loans ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Tightening underwriting policy and ongoing clean-up put asset quality under control. Uncertain economic recovery put the pressure for high and sustainable ECL. Total loan and AIR Total loan allowance (ECL) Bt2,465bn Bt2,452bn Bt128.2bn (5.2% of loan and AIR) Bt129.8bn (5.3% of loan and AIR) |%NPL coverage 147% 155% Stage3 Bt94bn 3.8% Stage3 Bt87bn 3.6% Stage2 Bt179bn 7.3% Stage2 Bt179bn 7.3% Stage1 Bt2,192bn 88.9% Stage3 Bt41.0bn %ECL 43.7% Stage3 Bt41.7bn %ECL 47.7% Stage1 Bt2,186bn 89.1% Stage2 Bt40.6bn %ECL 22.7% Stage2 Bt40.4bn %ECL 22.6% Stage1 Bt46.6bn %ECL 2.1% Stage1 Bt47.7bn %ECL 2.2% Jun 2023 Sep 2023 Jun 2023 บริการทุกระดับประทับใจ K KASIKORNTHAI Balance Sheet Cleanup Updates Loans in Relief program (1) System-wide supportive measures Loans in Comprehensive Debt Restructuring (CDR) %Comprehensive Debt Restructuring Loans were 6.8% as of 3Q23. Targeted measures (Long-term and more sustainability) Sep 2023 ธนาคารกสิกรไทย 开泰银行 KASIKORN BANK Loan and AIR (Stage 2 & 3) Total loans in stage 2 and stage 3 continued to decline, even including impact from large corporate customer deterioration. 11 19% Loan and AIR Bt313bn (Stage 2 & 3) (12.7%) Bt300bn (12.0%) Bt282bn 428 High Viability Rate Bt275bn 13% • High Collateral (11.1%) (11.2%) Bt270bn Bt273bn (10.9%) (11.1%) Bt266bn (10.9%) High Reserve ■Stage 3 Bt108bn 4.4% 322 Bt110bn 4.4% Bt88bn 3.6% Bt93bn 3.7% 6.9% 7.0% 7.2% Bt89bn 3.6% 6.8% Bt94bn 3.8% Bt87bn 3.6% 174 173 177 166 Stage 2 Bt205bn 8.3% Bt190bn Bt187bn 7.6% 7.5% Bt188bn 7.5% Bt181bn Bt179bn Bt179bn 7.3% 7.3% 7.3% 2020 2021 2022 1Q23 2Q23 3Q23 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 2019 2020 2021 2022 1Q23 2Q23 3Q23 9M23 Total Loan Allowance (bn) ECL to Loan and AIR (%) 125 134 145 134 128 128 130 130 6.2% 6.0% 5.9% 5.3% 5.2% 5.2% 5.3% 5.3% Credit Cost (bps) NPL ratio (%) 174 bps 3.65% 205 bps 3.93% 173 bps 3.76% 211 bps 205 bps 208 bps 209 bps 3.19% 3.04% 3.20% 3.11% NPL Coverage (%) 148.6% 149.2% Write off (bn) 26.4 21.5 NPL Sales (bn) (2) 7.1 6.8 159.1% 27.4 0 154.3% 59.0 156.7% 1.0 147.3% 4.3 154.9% 3.7 207 bps 3.11% 154.9% 9.0 72.0 35.6 15.0 22.7 73.3 Note: 1) Loans in relief programs including debt resolution measures during the early stage of COVID-19; covering broad-based payment holiday and opt-in program; loans in CDR before 3Q23 included one-year scheme 2) NPL sales = legal claim amount, not book value of transferring amount บริการทุกระดับประทับใจ 12 12

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