KBank Subsidiaries and ASEAN Economic Strategy

K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Loan Portfolio Breakdown by Industry, Currencies, and Interest Rate June 2020 (Consolidated) (Bt bn) 2,500 Loan Portfolio by Industry By Currencies (December 2019)** US Dollar*** 3.1% Other Currencies *** 2,127 2,000 1,914 2,002 1,803 13.0% Others 1,698 1,610 14.6% 16.3% 1,527 14.3% 1,500 1,439 1,327 14.5% 14.2% 15.7% 11.6% 14.2% 12.5% 15.5% 14.8% 14.6% 1,000 16.0% 13.0% 6,5% 13.0% 6.7% 12.5% 6.9% 13.2% 14.7% 6.8% 6.6% 14.2% 13.7% 13.5% 8.5% 8.9% 19.6% 14.9% 16.2% 13.4% 12.8% 8.9% 9.3% ■Housing Loans Utilities & Services ■Real Estate & Construction 500 48.9% 48.9% 48.1% 48.1% 49.1% 46.2% 47.3% 0 2.4% 2.3% 2012 2013 2014 2.0% 1.9% 2.1% 2015 2016 46.2% 43.0% 1.9% 1.8% 1.7% 1.7% 2017 2018 2019 1H20 Manufacturing & Commerce ■Agricultural and Mining Definition of Loans 1.2% Thai Baht 95.7% Mainly trade finance products By Maturity of Interest Repricing (June 2020)* 1) by industry Gross loans Loans to customers less deferred revenue 2) by currency = Loans to customers and AIR - net 3) by maturity of interest repricing = Loans to customers less deferred revenue Loans by Bangkok and Metropolitan vs. Upcountry Proportion of KBank's Outstanding Loans 2014 2015 2016 2017 2018 2019 1H20 Bangkok and Metropolitan 64% 64% 63% 64% 62% 59% 60% Upcountry 40% 36% 36% 37% 36% 38% 41% > 6 months 18.7% Others 0.4% <=6 months 10.3% Note: The information on loans breakdown by maturity of interest repricing are disclosed on half year basis **As of June 2020, the information on loans breakdown by currencies has been changed to loans breakdown by residency of borrowers, being domestic 97.2% and foreign 2.8% บริการทุกระดับประทับใจ Immediate repricing 70.7% 73 33 K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK KBank Financial Aid Programs during the COVID-19 Pandemic, and thereafter Proactive financial relief measures to lesson COVID-19 impact while maintaining prudent asset quality management to encounter economic uncertainties along with continuing enhancement of new lending capability Phase 1: Relief ■ Proactive relief measures to customers with adverse impact from COVID-19 outbreak Financial Relief Measures: Phase 1 ■ For Business 6-month payment period (Payment Holiday or known locally as Debt Holiday) Financial aids programs i.e. payment deferral of principal and/or interest Liquidity injection programs such as BOT soft loans, etc. ■ For Individual Phase 2: On-going ■ Data-driven risk-based customer segmentation to better provide appropriate on-going financial relief measures After Phase 1 Financial Relief Measures Can pay DEBT PAY Data-driven risk-based customer Can't pay segmentation • Reduce minimum payment for unsecured products • Payment deferral of principal and/or interest Phase 3: Expansion ■Loan portfolio rebalancing with new lending capability using data analytics New Lending Capability Provide appropriate relief measures / restructuring / NPL Lend successfully using data analytics บริการทุกระดับประทับใจ 74

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