KASIKORNBANK Financial Overview

K EXCELLENCE Bad Assets Resolution March 2013 (Consolidated) Restructured Loans ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Outstanding Foreclosed Properties % of Restructured loans to Total loans Restructured loans (Bt bn) (Bt bn) 30 16% 100 82.38 83.37 77.19 76.70 74.50 12% 80 61.51 25 67.01 60 52.33 8% 76% 78% 74% 78% 78% 18.7 17.3 20 16.1 9.1% 8.2% 40 62% 78% 16.7 15.9 6.9% 7.4% 6.9% 6.3% 6.2% 6.1% 73% 15.1 12.5 4% 20 12.1 15- 38% 27% 22% 24% 22% 26% 22% 22% 0% 0 2006 2007 2008 2009 2010 2011 2012 1Q13 10 2006 2007 2008 2009 2010 2011 2012 1Q13 ■% of Performing Restructured loans to Restructured loans ■% of Non-Performing Restructured loans to Restructured loans Outstanding Restructured Loans was Bt83.37bn in 1Q13; 78% were performing restructured loans Definition: Outstanding Restructured Loans is the accumulated outstanding amount of restructured loans, comprised of performing restructured loans and non-performing restructured loans. Non-performing restructured loans are already counted as part of Non-Performing Loans (NPLs) Write-offs 20.0- (Bt bn) 10.0- Illatası. NPL Portfolio Sales 1999-2000: KBank and Phatra Thanakit sold NPLs to Phethai AMC and Ploy AMC totaling Bt64.5bn* and Bt41.2bn*, respectively 2001-2004: KBank sold NPLs totaling Bt14.6bn* to TAMC 2007: KBank and Phethai AMC sold NPLs totaling Bt11.4bn to Standard Bank Asia Limited and Morgan Stanley Emerging Markets Inc. at Bt7.6bn and Bt3.8bn, respectively 5 0 2006 2007 2008 2009 2010 2011 2012 1Q13 Sale of Foreclosed Properties 10 (Bt bn) 8 7.5 5.9 6 5.6 4.5 4.6 4.9 4.4 4.6 2 0.0. 2005 2006 2007 2008 2009 2010 2011 2012 1Q13 2008-1Q13: NPLs continue to decline without bulk NPL sales 0 Write-off 10.7 11.6 8.7 4.3 5.5 Note: Accrued interest receivable included 4.3 3.9 5.0 1.4 บริการทุกระดับประทับใจ 0.8 2005 2006 2007 2008 2009 2010 2011 2012 1Q13 K EXCELLENCE ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Investment in Securities Portfolio and Structure March 2013 (Consolidated) Instrument Type Holding Type (Bt bn) (Bt bn) 450 382 450 382 342 400 0.5% 342 400 0.04% 6% 350 255 0.5% 251 264 4% 7% 350 251 264 -0.4% 0.05% 0.4% 0.4% 11% 255 0.5% 300 4% 0.1% 0.1% 0.3% 0.1% 300 0.1% 29% 12% 250 4% 5% 0.1% 0.1% 0.01% 6% 250 1% 0.7% 36% 1% 13% 23% 200 200 28% 33% 79% 150 150 68% 76% 73% 100 85% 83% 78% 64% 58% 100 65% 50 50 3% 0 0 2% 2009 2010 2011 2012 1Q13 Other Investment (Investments in Receivables, Investments in Subsidiaries and Other Investments) Equity Investment 2009 Trading General 2010 2011 Available-for-sales Investment in Receivables 2012 1Q13 Held-to-maturity Investments Subsidiaries Foreign Bonds Corporate Bonds Government & State Enterprise Bonds Note: Accounting for investments 1) Trading: Stated at fair value (FV). Unrealized gains or losses arising from changes in FV are recognized in the income statement 2) AFS: Stated at FV. Unrealized gains or losses arising from revaluation are reflected in the shareholder's equity 3) HTM: Stated at amortized cost, after deduction of any allowance for impairment KBank continues to manage its investment portfolio to reflect the BOT's interest rate trend and enhance risk adjusted return Investment Portfolio (Bt bn) % Growth (YoY) 57 57 2009 2010 2011 2012 254.98 251.22 264.29 382.33 147.69 (1.48) 5.21 44.66 1Q12 1Q13 372.30 342.18 47.48 (8.09) 4Q12 1Q13 382.33 342.18 44.66 (8.09) บริการทุกระดับประทับใจ 58

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