KASIKORNBANK Financial Overview

K EXCELLENCE Key Regulations for Mortgage Loans ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK ■The BOT has taken preventive actions and closely monitored risk in the property market ➤ Risk weights for mortgage loans dropped from 50% to 35% under Basel II since 2008 ➤ However, the BOT announced revised criteria in 2009-2010 on mortgage loan risk weights with a different effective date Price Condominium House Loan to Value (LTV) Risk Weights Effective Date ≥ Bt10mn ✓ ✓ > 80% < Bt10mn ✓ > 90% 75% March 2009 January 2011 < Bt10mn ✓ > 95% January 2013* > Bt10mn ✓ ✓ ≤ 80% March 2009 < Bt10mn ✓ ≤ 90% 35% January 2011 < Bt10mn ✓ ≤95% January 2013* Note: * The effective date is postpone from January 2012, due to the severe floods in 2011 Source: The Bank of Thailand K EXCELLENCE Other Figures Housing Loans/GDP บริการทุกระดับประทับใจ ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Credit Card Loans/GDP Million Baht 2,500,000 2,000,000 1,500,000 1,000,000 500,000 16.9% 2007 1,438,039 17.2% 21% 19.9% 20% 19.3% 19.3% 18.9% 20% 18.7% 19% 19% 18% 18% 17% 2008 1,560,724 1,709,897 2010 1,885,139 2011 2,034,137 2012 2,263,552 1Q2013 2,309,998 17% 16% 16% 15% Housing Loans for Personal Consumption (LHS) Housing Loans to GDP (RHS) Percent to GDP Note: Housing loans represent outstanding housing loans for personal consumption that financial institutions (including Commercial banks, Finance companies, Credit financiers, SFIs, and Insurance companies but excluding Saving Cooperatives and others financial Institution) grant to individuals or householders Source: BOT, NESDB Note: 2013 GDP is based on 1Q2013 GDP annualized Million Baht 300,000 250,000 200,000 2.1% 2.1% 2.2% 2.1% 2.2% 2,3% 150,000 100,000 50,000 0 2007 179,276 2008 189,227 2009 196,599 2010 216,427 2011 228,903 2012 261,553 2.5% 2.0% 2.0% 1.5% Mar-13 240,728 1.0% 0.5% 0.0% Percent to GDP Credit Card Loans Outstanding (LHS) Credit Card Loans to GDP (RHS) Note: Credit card loans represent outstanding credit card loans in Commercial banks and non-banks but excluding SFIs, Saving Cooperatives and others financial Institution Personal Loans/GDP Million Baht 300,000 2.5% 2.5% 2.4% 250,000 200,000 150,000 100,000 50,000 0 2007 211,809 2008 229,137 1.9% 3.0% 2.0% 2.2% 2.3% 2.5% 2.0% 1.5% 2012 251,549 Mar-13 270,712 1.0% 0.5% 2009 213,745 2010 187,491 2011 213,236 Total Personal Loans Outstanding (LHS) 0.0% Percent to GDP Personal Loansto GDP (RHS) Note: Personal Loans represent outstanding personal loans under supervision (including Commercial banks and non-banks but excluding SFIs, Saving Cooperatives and others financial Institution) บริการทุกระดับประทับใจ 111 112

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