KASIKORNBANK Financial Overview

K EXCELLENCE ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Capital (Reported Number: Excluding Net Profit of Each Period) March 2013 Note: Bank only Basel II KASIKORNBANK FINANCIAL CONGLOMERATE* Basel III** Basel II Basel III** 18-(%) 15.98 15.44 18 (%) 15.64 15.79 13.96 15 13.81 15 13.40 13.41 5.55 4.36 4.32 5.20 12 4.59 4.18 12 4.27 3.84 9 6 9.37 9.63 10.43 11.08 6 9 11.47 10.44 9.13 9.57 3 3 I I 0 0 2010 2011 2012 1Q13 2010 2011 2012 1Q13 Tier1 Tier2 Tier1 Tier2 Capital adequacy remains sufficient to support business growth 2010 Basel II 2011 2012 Basel III 1Q13 Bank only CAR (%), excluding net profit of each period Tier 1 (%), excluding net profit of each period KASIKORNBANK FINANCIAL CONGLOMERATE CAR (%), excluding net profit of each period 13.96 13.81 15.98 15.44 9.37 9.63 10.43 11.08 13.40 9.13 13.41 9.57 15.64 10.44 | 15.79 11.47 Tier 1 (%), excluding net profit of each period * KASIKORNBANK FINANCIAL CONGLOMERATE means the company under the Notification of the Bank of Thailand re: Consolidated Supervision, consisted of KBank, K Companies and subsidiaries operating in supporting KBank, Phethai Asset Management Co., Ltd. and other subsidiaries within the permitted scope from the BOT's to be financial conglomerate. Under Bank of Thailand regulations, net profit in the first half of the year is to be counted as capital after approval by the Board of Directors as per the Bank's regulations. Net profit in the second half of the year is also counted as capital after approval of the General Meeting of Shareholders. However, whenever a net loss occurs, the capital must be immediately reduced accordingly. ** The details on Basel III regulation can be found in App. page 84-85 บริการทุกระดับประทับใจ K EXCELLENCE Dividend Dividend Per Share ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Dividend Payout Ratio (Bt) 3.00 (%) 3.0 50 2.50 2.50 2.50 42.49 2.5 40 2.00 2.00 2.0 1.75 30.55 31.88 32.33 32.14 30 1.5 1.25 21.36 1.00 20-15.45 1.0 27.00 22.12 0.5 10 0.0 0 2004 2005 2006 2007 2008 2009 2010 2011 2012 Interim Dividend 2004 2005 2006 2007 2008 2009 2010 2011 2012 Dividend policy: both operating results and long-term returns to shareholders are taken into consideration in determining dividend payments 15 2004 2005 2006 2007 2008 2009 2010 2011 2012 Dividend Per Share (Bt) 1.00 1.25 1.75 2.00 2.00 2.50 2.50 2.50 3.00 Dividend Payout Ratio (%) 15.45 21.36 30.55 31.88 32.33 42.49 32.14 27.00 22.12 บริการทุกระดับประทับใจ 16 16

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