Currency and Interest Rate Outlook

K KASIKORNTHAI Examples of Social and Environmental Aspects Social Aspect 1. Financial Inclusion and Financial Literacy • Providing financial knowledge and adding new channels of financial access for all customer categories and underprivileged groups Supporting customers' financial discipline to alleviate household debts 2. Human Resource Management • • Embracing equitable treatment for employees regardless of differences Providing various channels for complaints and suggestions Developing employee skills and abilities in alignment with K-Strategy Providing a healthy and safe workplace 3. Human Rights Operations . Operating business in line with the United Nations Guiding Principles on Business and Human Rights throughout the value chain Implementing human rights risk assessment covering all operations of KBank, K Companies, P Companies, suppliers, and joint ventures 4. Social Contributions Applying the social activity framework based on the London Benchmarking Group (LBG)* since 2015 Supporting various projects by extending budgetary support and donating items to create positive impact for society and communities GREEN DNA 349,108 Volunteer Hours ZERO Human Rights Policy and Due Diligence Human Rights Process injury ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Environmental Aspect 1. Management of Climate-related Risks and Opportunities . . Assessing climate scenario analysis quantitatively and qualitatively Reporting based on the Task Force on Climate-related Financial Disclosures (TCFD) recommendations 2. Financial Support To Environmentally Friendly Businesses . . • Offering financial support to renewable energy power and environmental conservation projects Issuing sustainability bonds and investing in green bonds Introducing K Climate Transition, Thailand's first and only fund under the climate transition theme, which invests in LO Funds - Climate Transition, (USD), I Class A • Introducing K-CHANGE, Thailand's first Impact Investing fund with the investment policy through the Master Fund Baillie Gifford Positive Change Fund - Class B accumulation (GBP). 3. Environmental Management in KBank . Appointing CEO to act as Chief Environmental Officer to drive KBank's environmental operations • Committing to transform to a low carbon society • Targeting to reduce GHG emissions by 6.1% by 2023 (base year 2018) TCFD TASK FORCE CLIMATE RELATED FINANCIAL DISCLOSURES The first Thai commercial bank to become a TCFD Supporter. carbon nestral GHG Emissions (Scope 1 & 2) 97,785.73 tons CO2 (21.34% decrease from base year 2012) The first Thai and ASEAN bank to launch a Sustainability Bond BUILDING CO COUN GREEN BU KBTG-LEED-Platinum Note: * London Benchmarking Group (LBG) standard is used to evaluate the monetary value of corporate spending on social responsibility activities, including donations, hours of volunteer work an proportion of community investment. บริการทุกระดับประทับใจ 113 K KASIKORNTHAI Public Recognition Highlight: 2020-1H21 ธนาคารกสิกรไทย 开泰银行 KASIKORN BANK 1H21 Sustainability Award Silver Clan 2001 - Sustainability Award, Silver Class of the banking industry S&P Global Blankey A member of the 2021 Bloomberg Gender-Equality Index -B score from 2020 Carbon Disclosure CDP Project (CDP) Thaipat Institute- Sustainability Disclosure Award 2020 ASIAMONEY - Best for ESG in Thailand - The Asset ESG Corporate Awards 2020 Best for HNW in Thailand THE Asset Platinum Award: Excellence in Environmental, Social and Governance ThaiBMA MORNINGSTAR a THE Best Service Provider-Cash Management - Best Service Provider-E-Solutions Partner msijusunans Bank of the Year 2021 - Digital Private Bank of the Year in Thailand Most Prominent Fund House in Corporate Bond Market - Best Bond House - Top Underwriting Bank - Best THOR Engagement THE ASIAN BANKER Best Fund House - Domestic Equity - Best Retirement Mutual Fund - Equity - Best Thailand Equity Large-Cap Fund - Best Thailand Mid/Long-Term Bond Fund Best Retail Bank in Thailand - Best Merchant Service (Facebook Pay) - Best Digital/Mobile Banking Service - Top Mobile Banking in Asia Pacific (KBTG) Best Private Bank Best Sustainable Bank FinanceAsia Best FX Bank for Structured Product: Commodities Credit Equity FX and Multi-Assets - Best Corporate Treasury Sales and Structuring Team - Best FX Bank for Retail Clients - Best Bond House in Thailand - Winner: Best Digital Bank for CX - Thailand (LINE BK) - Best Private Bank for Digital Marketing & Communication - Asia Winner: Best Fintech for Digital CX-Alternative Wealth Management (FinVest) - Highly Acclaimed: Best CX Business Model, - Highly Acclaimed: Best Digital CX Partner/Vendor (LINE BK) Asia Bankers Club Winner: Outstanding Innovation in Digital CX - Investment Product/Service Winner: Outstanding Innovation in Digital CX - Platform/Website - The Best Office Architecture Thailand 2021-2022 (KBTG) Dow Jones Sustainability Indices 2020 - An index component of the Dow Jones Sustainability Indices (DJSI) 2020, including the DJSI World Index and the DJSI Emerging Markets Index GROUP - Gold Award: Best Advance in Brandon Hall Competencies and Skill Development - Silver Award: Best Advance in Leadership Development HR Asia Best Companies to Work for in Asia - Most Caring Companies ASIAMONEY Thailand - Best for ESG FinanceAsia - Best DCM House in Thailand Best Private Bank in Thailand Innovation Leader of The Year TSSP-Triple A Best Private Bank in Thailand Sustainab SAM - The Bronze Class of the banking Be Class 2020 industry category by RobecoSAM - The Most Popular Stock Award THE ASIAN BANKER - Best Home Loan Product in Thailand 2020 - Best Staff Training and Development Programme RETAIL BANKER IFRASIA 2010 Triple A Best Private Bank-HNWIS in Thailand Best Service Provider: Transaction Bank - Best Service Provider: Cash Management - Best Service Provider: E-Solutions Partner - Best Wealth Management Bank in Thailand Best FX Bank for Structured Products Thailand Bond House of The Year - Thailand Capital Markets Deal of the Year - Best Retail Bank in Thailand - Best Home Loan Product TAB Pum - Best Private Bank for Portfolio Management Technology - Asia Best Corporate Treasury Sales and Structuring Team IDC-1 of 20 Asia/Pacific Best - Best FX Bank for Retail Clients - Best ESG Green Financing in Southeast Asia: Thailand Best Local Currency Bond Deal of the Year, Thailand - Best Bond Deal for Retail Investors in Southeast Asia APP ANNIE PRIVATE BANKER - Highly Commended Achievement- Most Effective Winner- Most Innovative Digital Offering Winner: Loan Offering of the Year Winner: Best Customer Experience - Debit Card Winner: Best Private Bank- Digitally Empowering RMs Winner: Outstanding Customer Experience for Loans Bank for 2020 -K PLUS as #1 Top 10 of Finance Apps by MAU in Thailand iOS & Google Play Investment Service Offering O Granted Carbon Neutral Certification - Top Outright Primary Dealer BANE OF THMLAND - Winner: Best Digital Customer Experience in Wealth Management - Highly Acclaimed: Best Digital Customer Experience in Private Banking - Highly Acclaimed: Best Digital Customer Experience - Loan Application MORNINGSTAR Best Fund House - Domestic Equity - Best Retirement Mutual Fund - Equity - Best Long-Term Equity Fund BrandAge-2020 Thailand's Most Admired Brand for K-Credit Card products and K PLUS - Top Underwriting Bank Deal of the Year ThaiBMA Best Outright Primary - Product Innovation Awards for lifestyle financial Business products in the categories of credit card and debit card WWISESIGHT - Best Brand Performance on Social Media in Banking Category Dealer Note: CX Customer Experience บริการทุกระดับประทับใจ 114