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Creating the Future of Finance - Breakthrough Innovation

K KASIKORNTHAI Credit Ratings As of January 25, 2023 KBank Local Currency/ National Long-term Outlook Subordinated Debts Foreign Currency Long-term * Senior Unsecured Subordinated Debts Notes ธนาคารกสิกรไทย 开泰银行 KASIKORN BANK Thailand Government Outlook Foreign Local Currency Currency S&P's BBB¹) BBB¹) N/A N/A N/A Stable¹) BBB+ A- Stable Moody's Baa1 Baa1 Ba12) Baa1 N/A Stable Baa1 Baa1 Stable Fitch BBB BBB BB+ AA+ (tha) AA-(tha) Stable BBB+ BBB+ Stable Note: * Moody's: Foreign Currency Long-term Deposit Rating; S&P's: Long-term Counterparty Credit Rating; Fitch Ratings: Foreign Currency Long-term Issuer Default Rating 1) March 21, 2022: S&P's downgraded long-term credit ratings of 4 Thai banks, including KBank, as systemic risks have increased for banks operating in Thailand. S&P's downgraded long-term credit rating of KBank from BBB+ to BBB. However, S&P"s upgraded outlook of their credit ratings to stable from negative as it views theirs credit ratings would be stable in next 1-2 years 2) November 7, 2022: Moody's downgraded the Baseline Credit Assessments (BCAs) of two Thai banks, including KBank, to baa2 from baa1, reflecting the structural challenges to their asset quality and profitability that are exacerbated by the slow economic recovery in Thailand. Moody's also downgraded KBank's foreign-currency subordinate MTN program rating to Ba1 from Baa3 and its foreign-currency preferred stock non-cumulative MTN program rating to Ba2 from Ba1. K KASIKORNTHAI Organization Chart Auditor บริการทุกระดับประทับใจ Shareholders Corporate Secretary Board of Directors Corporate Secretariat Division Management Committee ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Advisory Council to the Board of Directors Legal Adviser Credit and Investment Screening Committee Corporate Governance Committee Human Resources and Remuneration Committee Risk Oversight Committee Audit Committee Audit Division Corporate Strategy & Analytics Corporate Strategy and Innovation Division Product Management Private Bank Business Business in Overseas Service Fulfillment Credit Products Division Transaction and Wealth Banking Division Private Banking Group World Business Group Customer and Enterprise Service Fulfillment Division Risk & Resources Management Enterprise Risk Management Division Channel & Marketing Management Capital Markets Business Data and Analytics Division Integrated Channels and Business Solutions Division Marketing Management Division Finance and Control Division Capital Markets Business Division Sales & Service Distribution Network Corporate Business Investment Banking Business Division Human Resource Division Division Division บริการทุกระดับประทับใจ Note: Effective on 1 January 2023 105 106

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