Currency and Interest Rate Outlook

K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Corporate Business: Performance and Market Position Multi-Corporate Large Corporate Business Business Medium Business Small and Micro Business High Net Worth Individual Affluent Middle Income Mass Main Bank Status* Corporate Bond Underwriting 22% 20% 19% 20% 16% 17% 17% 14% 11% 10% (#2) (#2) (#4) (#2) (#2) (#3) (#1) (#1) (#1) 30% 34% 35% 27% 30% 25% 26% 26% 26% 20% 20% (#1) (#1) (#1) (#1) (#1) (#1) 10% 90 0% 2011 2012 2013 2014 2016 2018 1H21 2013 2014 2015 2016 2017 2018 2019 2020 1H21 Source: The Thai Bond Market Association (ThaiBMA) Performance and Market Position ■Main Bank Status: 35% in 1H21 ■ Corporate Bond Underwriting: ranked #1 with 20% market share in 1H21 ■Transaction Services: top player in transactional banking services Cash Management Services: MB** 24% market share in 2018 (#1)/ CB** 24% market share in 2018 (#2) Trade Finance: MB** 27% market share in 2018 (#1) / CB** 32% market share in 2018 (#1) Mutual Fund Supervisor: ranked #1 with 37% market share in 1H21 Note: Main Bank Status = % of customers in the market who use KBank and its wholly-owned subsidiaries as their main operating bank and/or main savings and investment bank and/or main borrowing bank ** MB = Multi-Corporate Business, CB = Large Corporate Business K บริการทุกระดับประทับใจ ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK KASIKORNTHAI SME Business: Performance and Market Position Multi-Corporate Large Corporate Business Medium Business Small and Micro Business High Net Worth Individual Affluent Middle Income Mass Business #1 in Market Share by Value* 30% 30% 30% 30% #1 in Main Bank Status* 31% 30% 28% 40% 35% 28% 29% 30% 29% 31% 30% 20% (#1) (#1) (#1) (#1) (#1) (#1) (#1) (#1) (#1) 20% (#1) (#1) (#1) 10% 10% 0% 2011 2012 2013 2014 2016 2018 Source: KBank Customer Survey 0% 2011 2012 2013 2014 2016 2018 Source: KBank Customer Survey 49 Performance and Market Position ■Main Bank Status: improved main bank status and strengthened #1 position ■Market Share: 31% market share; maintained #1 position ■ Market Position: strengthened #1 position in SME market - "Bank for SMEs"; targeted to be SME market leader in all areas KBank offered comprehensive solutions to SMEs through K SME CARE program launched in 2006, with a total of 25 classes and about 14,509 participants so far. In 2020, during the COVID-19 pandemic, KBank introduced How2Think - an online seminar with 24 topics Live on the "K SME" Facebook Page with over 300,000 views. Note: SME Business in Thailand accounts for 43.0% of Thailand's GDP, or Bt7.01trn (as of December 2018); supported by the government to become a key factor in economic and social growth (Source: The Office of Small and Medium Enterprises Promotion or OSMEP) - Market Share by Value = share of revenue (derived from both credit and non-credit products) that each bank gains from the market Main Bank Status = % of customers in the market who use KBank and its wholly-owned subsidiaries as their main operating bank and/or main savings and investment bank and/or main borrowing bank * Since 2014, corporate and SME business main bank status and market share are reported every two years ** Market share by value and main bank status in 2018 may not be comparable with those in previous years due to a new SME population base covering more SMEs with better data availability บริการทุกระดับประทับใจ 50

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