KASIKORNBANK Strategic Acquisition

K KASIKORNTHAI Examples of Social and Environmental Aspects Social Aspect 1. Financial Inclusion and Financial Literacy Providing financial knowledge and adding new channels of financial access for all customer categories and underprivileged groups Supporting customers' financial discipline to alleviate household debts 2. Human Resource Management 2.3. Embracing equitable treatment for employees regardless of differences Providing various channels for complaints and suggestions Developing employee skills and abilities in alignment with K-Strategy Providing a healthy and safe workplace 3. Human Rights Operations . Operating business in line with the United Nations Guiding Principles on Business and Human Rights throughout the value chain Implementing human rights risk assessment covering all operations of KBank, K Companies, P Companies, suppliers, and joint ventures 4. Social Contributions . . Applying social activity framework based on the Business for Societal Impact (B4SI) since 2015 Supporting various projects by extending budgetary support and donating items to create positive impact for society and communities 210,937 GREEN DNA Volunteer Hours ZERO Human Rights injury Human Rights Policy and Due Diligence Process ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Environmental Aspect 1. Management of Climate-related Risks and Opportunities Assessing climate scenario analysis quantitatively and qualitatively Reporting based on the Task Force on Climate-related Financial Disclosures (TCFD) recommendations ...N. Decarbonizing financed portfolio emissions in line with Thailand's ambition Innovating beyond finance solutions to support decarbonization in Thailand Stop financing to new coal-fired power generation but continue to finance utilities Completely discharge existing loans on coal-fired power plants by 2030 2. Financial Support To Environmentally Friendly Businesses ..3. Allocating at least Baht 100-200 billion in sustainable financing and investment by 2030 Offering financial support to renewable energy power and environmental conservation projects Issuing sustainability bonds and investing in green bonds Introducing K Climate Transition and K-CHANGE 3. Environmental Management in KBank Appointing CEO to act as Chief Environmental Officer to drive KBank's environmental operations Targeting to become Net Zero in our own operations (Scope 1, 2) by 2030 NET ZERO GHG Emissions (Scope 1 & 2) 90,172.91 tons CO2 (7.79% decrease from base year 2020) The first Thai commercial bank to offset carbon to achieve carbon neutral. 2021-2025 Target: Total megawatts (MW) 15% of domestic market by providing various types of financial support and services to renewable energy projects Green Loans & Investment, totaling Baht 65.1 billion** • Green loans: Baht 17.5 billion • Environmental and Social- related Investment Funds: NAV Baht 21.7 billion • Investment in Green Bonds: Baht 16.4 billion Issuing Sustainability Bonds: Baht 9.5 billion Issuance and Underwriting of Green Bonds Note: * Business for Societal Impact (B4SI) is originally named as London Benchmarking Group (LBG) standard is used to evaluate the monetary value of corporate spending on social responsibility activities, including donations, hours of volunteer work and proportion of community investment. ** KBank's Performance as of December 2021 บริการทุกระดับประทับใจ 125 K KASIKORNTHAI Public Recognition Highlight: 2021-1Q22 THE Asset 1Q22 Top Investment Houses in Asian Local Currency Bond Best IPO Top Arranger - Investors' Choice for Primary Issues Corporate Bonds (THB, Rank1) Top Arranger Investors' Choice for Primary Issues, Government Bonds (THB, Rank1) Top Sellside Firm in the Secondary Market, Government Bonds (THB, Rank1) - Top Sellside Firm in the Secondary Market, Corporate Bonds (THB, Rank3) - Product of the Year: Premium Health Insurance Product for Elite Health Insurance Product of the Year: Lump sum Health Insurance Product for Delight Health Insurance Business+ MORNINGSTAR - Best Fund House Domestic Fixed Income (KAsset) ธนาคารกสิกรไทย 开泰银行 KASIKORN BANK 2021 Sustainability Award. Sustainability Award, Silver CDP -B score from 2020 Carbon Disclosure Project (CDP) Class of the banking industry- S&P Global RETAIL BANKER Asset ThaiBMA MORNINGSTAR การเงินธนาคาร - Bank of the Year 2021 - Winner- Best Retail Bank Thailand Winner- Excellence in Service Innovation Highly Commended Achievement- Best Social Media Marketing Campaign ASIAMONEY Highly Commended Achievement- Best Payment Innovation Best for ESG in Thailand Highly Commended Achievement- Excellence in SME Banking Best for HNW in Thailand The Asset ESG Corporate Awards 2020 Platinum Award: Excellence in ESG Digital Private Bank of the Year in Thailand Best Service Provider-Cash Management Project Finance House of the Year ADB Best SME Deal (WBG) Best Service Provider-E-Solutions Partner - Battery Storage Deal of the Year Power Deal of the Year - Green Project of the Year Highly Commended: Outstanding - Best Private Bank-HNWIS Private Bank-Southeast Asia Best Private Bank Thai Baht Bond Research - Most Prominent Fund House in Corporate Bond Market Best Bond House Top Underwriting Bank Best THOR Engagement PRIVATE BANKER- Highly Commended: Best Bank for Sustainability and ESG leadership Best Retail Bank in Thailand THE ASIAN BANKER Best Merchant Service (Facebook Pay) Best Fund House - Domestic Equity Best Retirement Mutual Fund - Equity Best Thailand Equity Large-Cap Fund Best Thailand Mid/Long-Term Bond Fund - Best Digital/Mobile Banking Service - Top Mobile Banking in Asia Pacific (KBTG) AKCE - Best Consumer Digital Bank in Thailand FinanceAsia - Best FX Bank for Structured Product: Commodities Credit Equity FX and Multi-Assets - Best Corporate Treasury Sales and Structuring Team - Best FX Bank for Retail Clients - Best Bond House in Thailand - Best Cash Management Bank THE BANKING: FINANCE - Best Private Bank Best Sustainable Bank - Best Private Bank for eum Digital Marketing & Communication - Asia Thailand Domestic Cash Management Bank of the Year Human Resources Thailand Domestic COVID Winner: Best Digital Bank for CX - Thailand (LINE BK) Management Initiative of the Year Winner: Best Fintech for Digital CX-Alternative Wealth Management (FinVest) Winner: Best Digital Bank - Thailand (LINE BK Powerd by KBank) Winner: Outstanding Omni-channel Integration by a Retail Bank (K Check ID) - Highly Acclaimed: Best CX Business Model - Winner: Best Retail Bank - Thailand IDC - Highly Acclaimed: Best Digital CX Partner/Vendor (LINE BK) - Excellence in Leadership Development - Excellence in Innovative Use of HR Tech Winner: Outstanding Innovation in Digital CX - Investment Product/Service Winner: Outstanding Innovation in Digital CX - Platform/Website Winner: Best Private Bank Thailand - Highly Acclaimed: Best Private Bank for client Experience Retail Outward Remittance Infrastructure - Thailand IDC Future Enterprise of The Year Thailand Best in Future of Digital Infrastructure - Thailand Best in Future of Industry Ecosystem - Regional IDC Future Enterprise of the year The Banker- Best Private Bank in Thailand Best OIS Data Contributor 2020 Capgemini Efma Winner: Bank + NewTech category (LINE BK) Asia Bankers Club - The Best Office Architecture Thailand 2021-2022 (KBTG) บริการทุกระดับประทับใจ REFINITIV Note: CX Customer Experience 126