Currency and Interest Rate Outlook

K KASIKORNTHAI Credit Bureau Summary National Credit Bureau (NCB)* Two Types of Credit Reports Offered by NCB: ➤ Consumer credit report for individuals ➤ Commercial credit report for businesses Credit report (monthly reported by members) ➤ Customer information (Name, address, identification number, birth date, occupation, etc.) ➤ Credit information (History of application, approval history, loan payment history, etc.) Data Record of Credit Report Individuals: Credit report remains on file for 3 years ➤ Businesses: Credit report remains on file for 3 years ■Members: Financial institutions including commercial banks, specialized financial institutions (SFIs), non-bank financial institutions, finance companies, securities companies, insurance companies, etc. ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK KBank Practice KBank's customers applying for loans Optional to Sign agreement to allow the Bank (Large companies normally have reliable financial statements) Corporate Business to get credit report from NCB Required to SME Business Multi- Corporate Business Large Corporate Business Medium Business Small & Micro Business Good credit Poor credit KBank's Policy Lending Reject application Required to Retail Business 4 Customer Segments in Retail (HN, AF, MI and MA) Good credit Poor credit KBank's Credit Scoring Reject application Note: * The concept of a credit bureau started in 1961 and central credit registration started in 1964. The Central Information Service was established in 1999 and its name was changed to Central Credit Information Service in 2000 and to the National Credit Bureau in 2005 บริการทุกระดับประทับใจ 61 K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK KBank: Continuity and Resiliency during COVID-19 Situation KBank takes holistic measures to ensure business continuity and resiliency during COVID-19 situation. Therefore, no COVID-19 spread or any key business disruption. • Incident Response Team (IRT) to manage overall situation/incidents COVID-19 Incident Management PROTECT Provide Protective Equipment e.g. mask, gel, face shield Launch Staff Measures & K-Tips e.g. protective measures • Report/Escalate to Executives e.g. key situation, action, criteria Increase Cleaning Cycle at frequently touched areas e.g. lifts, doors Install Thermo Scan at Key Buildings Maintain Social Distance e.g. workspace, work from home Restrict or Screen Vendors/ Visitors MONITOR RESPONSE Business Continuity Plan (BCP) Internal Provide Contact Channels for Staff to inform suspected cases External Closely monitor situation, impacts, and key actions; daily reports to executives Set up dedicated team to cope with COVID-19 infection incidents e.g. Building - deep cleaning Communication - internal and external via related channels People - provide medical support for infected staff; self quarantine for staff at risk with health report Define key criteria with actions - Workmode (Lean, Critical, Barebone) Note: VPN Virtual Private Network Key Scenarios and Actions for COVID-19 . Update Barebone & Key Activities with key staff Split Site and Provide VPN for key staff Secure Accommodation/Transportation for key staff บริการทุกระดับประทับใจ 62 62

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