KBank's Strategic Acquisition in Muang Thai Group Holding

K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Growth Strategy: Reimagine Commercial & Consumer Lending ■To increase consumer credit customer and support SME business with better asset quality To offer lending services with reasonable pricing to customers to include everyone in society Strategy Penetrate Consumer Credit Expand our credit portfolio through secured loan to minimize risk and selectively acquire unsecured-loan customer focusing on fraud detection and credit monitoring. Up- and cross-sell to capture more revenues from potential existing customers and promptly manage at-risk customers. Support SME Business Promote business growth and ensure the long-term success of our SME customers by fostering the development of "healthy" SME customers and expediting assistance for those in a vulnerable state to maximize their recovery. Leverage CBS relationship Remain competitive by "explore-and-seize" new business opportunities and supporting the transition into a low-carbon business model. Note: CBS Corporate Business Segment Key Achievements in 1Q23 New-to-KBank Credit Customer • • 90K newly acquired credit customers Bt13bn new booking amount (26% of total new booking) from new-to- KBank credit customer Self-apply channel on K PLUS for unsecured credit • 950K applications/month including both commercial and consumer products Bt37bn new booking amount from existing customer Bt5bn new booking for "Green" Bt500mn new booking with partners บริการทุกระดับประทับใจ 29 29 K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Growth Strategy: Democratize Investment & Insurance (848) To create long-term sustainable wealth empowerment to our customers throughout their wealth cycle Aspiration to grow wealth AUM and to acquire new investment and insurance customers Strategy Comprehensive Product Offerings o Personalized/customized product offerings to match customers' profiles with competitive return and benefits o Product office transformation for advisory and product Sale & Service Model Enhancement with Digital Technology Enablement 。 Strengthening RM capability with wealth practitioners and wealth-advisory platform o Developing digital wealth app for integrated product suites with advisory contents and holistic portfolio 。 Enhancing service and support through K-Wealth call center K-Wealth Brand Strengthening o Top of mind in Wealth Management Key Achievements in 1Q23 Significant Mutual Fund AUM Growth by Bt31bn or 3.2% YTD growth, which is higher than industry 0.7%. Main driver is sales volume of Term Fund due to attractive government bond yield Multi-Asset/Balanced Fund AUM grew by 39% YTD as we recommend this fund type as a core product to enhance returns while coping with a volatile market New Mutual Fund customers grew by 3% YTD from Y2022 and over 90% from K PLUS Launched Varieties of Affordable Insurance matching needs of each customer segment • Middle Income Customers • Life Insurance high coverage term ending at Age 70 . Life Insurance high coverage + 81 Critical Illness Kank Rider for 35 Critical Illness starting at Bt2,500 for 500K coverage High Net Worth and Affluent customers Endowment 11/3 for goal-based saver SME customers • SME Loan Credit Protection plus Critical Illness จนราย Davil PLUS บริการทุกระดับประทับใจ 30

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