KASIKORNTHAI Regulatory Capital and Financial Performance Update

K KASIKORNTHAI Credit Ratings As of August 15, 2023 Foreign Currency KBank Local Currency/ National Long-term Outlook Subordinated Debts Long-term * Senior Unsecured Subordinated Debts Notes ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK 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 their 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 Corporate Secretary Corporate Secretariat Division บริการทุกระดับประทับใจ ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Shareholders Board of Directors 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 Management Committee Audit Division Audit Committee 109 Private Bank Biz Biz in Overseas Service Fulfillment Risk & Resources Mgmt. Corporate Strategy & Analytics 1. Corporate Strategy and Innovation Division 2. Data and Analytics Division 3. Credit Products Business Division Product Management 4. Transaction Banking Business Division Channel & Marketing Management 6. Integrated Channels Business Division 5. Wealth Management and Bancassurance Division 7. Segment and Marketing Management Division Sales & Service 8. Distribution Network Division 9. Corporate Business Division 10. Private Banking Group Capital Markets Biz 11. Capital Markets Business Division 12. Investment Banking Business Division บริการทุกระดับประทับใจ 13. World Business Group 14. Customer and Enterprise Service Fulfillment Division 15. Enterprise Risk Mgmt. Division 16. Finance and Control Division 17. Human Resource Division Note: Effective on 1 November 2023 110

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