KASIKORNTHAI Regulatory Capital and Financial Performance Update

K KASIKORNTHAI Public Recognition Highlight: 2022-9M23 ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK 2022 - Top Investment Houses in Asian Local Currency Bond THE Asset DIGITAL BANKER a - 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, Rank 1) - Top Sellside Firm in the Secondary Market, Corporate Bonds (THB, Rank3) -Triple A Best Private Bank and Triple A Best Private Bank - HNWIS - Best Retail Bank for Digital CX - Thailand Best Private Bank for Digital CX - Thailand - Best Digital CX in Banking - Social Channels (KASIKORN LINE) - Best Retail Bank - Thailand Best Bond House in Thailand Top Underwriter Best Bond House ThaiBMA - Deal of the Year -Most Innovative Deal - Corporate ESG Bond of the Year THE ASIAN BANKER CDP Leadership Level (CDP A List) 2022 CLIMATE - Outstanding Interactive Chatbot Service by a Retail Bank - Best Bond Deal for Retail Investors in Southeast Asia 2022 - Best Local Currency Bond Deal of the Year (Thailand) 2022 - Best Sustainability-Linked Transaction of the Year 2022 Best Retail Bank in Thailand THE ASIAN BANKER - Best Chatbot / Voice Banking Initiative Application in Thailand - Best SME Bank in Thailand RETAIL BANKER - Best Strategic Partnership Best In-Person (or virtual) Customer Event Most Dynamic Third-Party Collaboration Highly Commended- Best App for Customer Experience - Highly Commended- Best Content Marketing Program Highly Commended- Excellence in SME Banking Dow Jones - Sustainability Award - DJSI Sustainability Indices World Index and DJSI Emerging Markets Index 86100 -the top 5% of the S&P Global ESG Score 2022 for the banking industry - Winner - Best Bank for PRIVATE BANKER ***Sustainability and ESG Leadership - Best Contact Center of the Year TCCTA IDC MORNINGSTAR Future Enterprise of the Year Best Fund House - Domestic Fixed Income (KAsset) - Highly Commended- Excellence in Omni-Channel Integration (K CHECK ID) - Highly Commended- Trailblazing Use of Al or Machine Learning in Financial Services (Digital Commercial Loan for Shopee project) - Highly Commended- Trailblazing Use of Al or Machine Learning in Financial Services (KASIKORN LINE) - Highly Commended- Best Use of Big Data in Customer Strategy (KASIKORN LINE) Highly Commended- Excellence in Loan Origination Process (KASIKORN LINE) ASIAN PRIVATE BANKER Best for Mass Affluence/HNW in Thailand Business+ HR Asia BANKING FINANCE IDZ C - 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 - Best Companies to Work for in Asia-Thailand region - HR Leader of the Year (Gold Level) - Excellence in HR Change Management (Gold Level) - Excellence in Workforce Flexibility (Gold Level) from the "Work That FITS" project Mobile Banking & Payment Initiative of the Year - Thailand Human - Strategic Partnership of the Year - Thailand -Thailand Domestic Cash Management Bank of the Year Resources UX Design Awards in the category of Product for MAKE by KBank -Red Dot Award: Brands & Communication Design in the category of Interface & User Experience Design (for Mobile User Interfaces) for KhunThong social chatbot red fot Note: CX Customer Experience РШТ Employee Experience Award in the category of Most Innovative and Sustainable Office Design Best Private Bank for Digital Marketing & Communication, Asia RETAIL BANKER INTERNATIONAL GLOBAL FINANCE Asset * IFR ASIA INTERNATIONAL BUSINESS MAGAZINE ASIAMONEY BrandAge 9M23 - Best Retail Bank in Thailand a - Best Bond House in Thailand FinanceAsia - Best DCM House in Thailand -Most Recommended Retail Bank in Thailand Best Frictionless Customer Experience Initiative (YouTrip) - Best Mobile Banking Service (K PLUS) - BankQuality Ranking - Most Selected Main Bank in Thailand - Best Digital Credit Evaluation Initiative - Best Frictionless Customer Experience Initiative Highly Commended - Best Retail Bank - Thailand - Highly Commended - Best Mobile Wallet Initiative (YouTrip) Best Open Banking Initiative (K LINE) - Most Dynamic Third-Party Collaboration (K LINE) - Highly Commended - Best Loan Offering (K LINE) - Best Mobile Wallet Initiative (Highly Commended) The World's Best Trade Finance Providers 2023 - SET ESG Rating 2023 "AAA" BTS Group Holding's Baht 11 billion Multi-tranche Sustainability-linked Debentures - Project Finance House of the Year - Renewable Energy Deal of the Year - Rooftop Solar Transport Deal of the Year - Highway - Digital Private Bank of the Year ESG Bond: BTS Group's Baht 20 billion Sustainability-linked Bonds - Best Private Bank Thailand - Best for High Net Worth in Thailand - Thailand's Most Admired Brand: Mobile Banking PшM - Best Private Bank for Building Client Communities, Asia mongoDB. THE DIGITAL BANKER -2023 MongoDB APAC Innovation Award - Customer Focused (MAKE by KBank) - Best Retail Bank for Digital CX in Thailand - Outstanding Digital CX in FX Services (YouTrip) Best Private Bank for Digital CX in Thailand - Best Private Bank - Thailand REFINITIV บริการทุกระดับประทับใจ - Best THB Interest Rates Swap Contributor (Runner-up) - Best THB Local Cross Currency Contributor (Runner-up). K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Banking System and Regulations Update 121 บริการทุกระดับประทับใจ 122

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