KASIKORNBANK Economic and Subsidiaries Performance Overview

K KASIKORNTHAI ESG Risk Management ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK KBank has established credit policies and operations that manifest ESG responsibility with an operational structure divided into management and transaction levels, as follows: Exclusion List Offences relating to gambling At the transaction level The Bank ensures that lending transactions violate neither the law nor social ethics Offences relating to human tracfficking Offences relating to narcotics Offences relating to embezzlement Offences relating to Offences relating to exploitation of terrorism natural resources Examples of Exclusion List: 。 Offences related to illegal activities or activities that risk violation of laws including domestic environmental laws and international agreements, for example: ■ Convention on International Trade in Endangered Species of Wild Fauna and Flora (CITES) ■ Basel Convention on the Control of Transboundary Movements of Hazardous Wastes and Their Disposal or related rules and regulations, etc. 。 Credits related to destroying or encroaching upon important ecosystems, such as mangrove forests and conservation areas, for example: ■ Natural parks, conservation areas and animal sanctuaries per related public notifications UNESCO World Heritage Sites, etc. " 。 Credits for hydropower generation from dams that generate significant impacts on the environment and society, without management measures and work plans in accordance with the Equator Principles and without support from international financial institutions for development or foreign financial institutions that have accepted the Equator Principles 。 Stop financing project of new coal-fired power generation (100% discharge existing loans on coal-fired power plants by 2030) Sector - Specific Guidelines KBank has developed the loan consideration guidelines for specific industrial sectors in accordance with environmental and social impacts by including ESG factors in credit consideration for each industry in addition to other factors, to ensure that risk management at the credit portfolio and transaction levels comply with the target to achieve a low-carbon economy, especially for the industries with risks of environmental and social impacts, for example: 。 Agricultural Industry: No support for business operators that encroach upon or destroy forest areas, or conduct slash-and-burn farming practices 。 Fishery: No support businesses conducting unlawful operations, or Unregulated Fishing (IUU Fishing), or catching restricted animals or animals included in CITES 。 Electricity Generation: Support renewable energy plants, e.g. solar and wind, power plants using other fuels, e.g. biomass and waste etc. บริการทุกระดับประทับใจ K KASIKORNTHAI Public Recognition Highlight: 2022-1H23 ธนาคารกสิกรไทย 开泰银行 KASIKORN BANK 2022 - Top Investment Houses in Asian Local Currency Bond THE Asset DIGITAL BANKER a - Best IPO - Top Arranger - Investors' Choice for Primary Issues Corporate Bonds (THB, Rank1) Top Arranger - Investors' Choice for Primary Issues, Government Bonds (THB, Rank1) Top Sellside Firm in the Secondary Market, Government Bonds (THB, Rank 1) Top Sellside Firm in the Secondary Market, Corporate Bonds (THB, Rank3) -Triple A Best Private Bank and Triple A Best Private Bank - Best Retail Bank for Digital CX - Thailand Best Private Bank for Digital CX - Thailand - Best Digital CX in Banking - Social Channels (KASIKORN LINE) ThaiBMA Top Underwriter Best Bond House - Deal of the Year - Most Innovative Deal - Corporate ESG Bond of the Year 1H23 HNWIS THE ASIAN BANKER - Best Retail Bank in Thailand COP Leadership Level (CDP A List) 2022 CLIMATE - Best Retail Bank - Thailand - Outstanding Interactive Chatbot Service by a Retail Bank Best Bond House in Thailand - Best Bond Deal for Retail Investors in Southeast Asia 2022 - Best Local Currency Bond Deal of the Year (Thailand) 2022 - Best Sustainability-Linked Transaction of the Year 2022 Best Retail Bank in Thailand THE ASIAN BANKER - Best Chatbot / Voice Banking Initiative Application in Thailand - Best SME Bank in Thailand RETAIL BANKER - Best Strategic Partnership Best In-Person (or virtual) Customer Event Most Dynamic Third-Party Collaboration Dow Jones - Sustainability Award - DJSI Sustainability Indices World Index and DJSI Emerging Markets Index 86100 -the top 5% of the S&P Global ESG Score 2022 for the banking industry - Winner - Best Bank for PRIVATE BANKER ***Sustainability and ESG Leadership - Best Contact Center of the Year TCCTA IDC MORNINGSTAR Future Enterprise of the Year Best Fund House - Domestic Fixed Income (KAsset) Highly Commended- Best App for Customer Experience - Highly Commended- Best Content Marketing Program Highly Commended- Excellence in SME Banking - Highly Commended- Excellence in Omni-Channel Integration (K CHECK ID) - Highly Commended- Trailblazing Use of Al or Machine Learning in Financial Services (Digital Commercial Loan for Shopee project) - Highly Commended- Trailblazing Use of Al or Machine Learning in Financial Services (KASIKORN LINE) - Highly Commended- Best Use of Big Data in Customer Strategy (KASIKORN LINE) Highly Commended- Excellence in Loan Origination Process (KASIKORN LINE) ASIAN PRIVATE BANKER Best for Mass Affluence/HNW in Thailand Business+ HR Asia - Product of the Year: Premium Health Insurance Product for Elite Health Insurance - Product of the Year: Lump sum Health Insurance Product for Delight Health Insurance - Best Companies to Work for in Asia-Thailand region - HR Leader of the Year (Gold Level) - Excellence in HR Change Management (Gold Level) - Excellence in Workforce Flexibility (Gold Level) from the "Work That FITS" project BANKING FINANCE Mobile Banking & Payment Initiative of the Year - Thailand Human - Strategic Partnership of the Year - Thailand -Thailand Domestic Cash Management Bank of the Year Employee Experience RETAIL BANKER INTERNATIONAL GLOBAL FINANCE THE Asset * IFR ASIA INTERNATIONAL BUSINESS MAGAZINE ASIAMONEY BrandAge PшM a - Best Bond House in Thailand FinanceAsia - Best DCM House in Thailand - Most Recommended Retail Bank in Thailand Best Frictionless Customer Experience Initiative (YouTrip). - Best Mobile Banking Service (K PLUS) - BankQuality Ranking - Most Selected Main Bank in Thailand - Best Digital Credit Evaluation Initiative - Best Frictionless Customer Experience Initiative Highly Commended - Best Retail Bank - Thailand - Highly Commended - Best Mobile Wallet Initiative (YouTrip) Best Open Banking Initiative (K LINE) - Most Dynamic Third-Party Collaboration (K LINE) - Highly Commended - Best Loan Offering (K LINE) - Best Mobile Wallet Initiative (Highly Commended) The World's Best Trade Finance Providers 2023 BTS Group Holding's Baht 11 billion Multi-tranche Sustainability-linked Debentures - Project Finance House of the Year - Renewable Energy Deal of the Year - Rooftop Solar Transport Deal of the Year - Highway - Digital Private Bank of the Year ESG Bond: BTS Group's Baht 20 billion Sustainability-linked Bonds - Best Private Bank Thailand - Best for High Net Worth in Thailand - Thailand's Most Admired Brand: Mobile Banking - Best Private Bank for Building Client Communities, Asia mongoDB. -2023 MongoDB APAC Innovation Award - Customer Focused (MAKE by KBank) Resources Award in the category of Most Innovative and Sustainable Office Design THE DIGITAL BANKER UX Design Awards in the category of Product for MAKE by KBank IDZ C -Red Dot Award: Brands & Communication Design in the category of Interface & User Experience Design red fot (for Mobile User Interfaces) for KhunThong social chatbot Note: CX Customer Experience РШТ Best Private Bank for Digital Marketing & Communication, Asia - Best Retail Bank for Digital CX in Thailand - Outstanding Digital CX in FX Services (YouTrip) - Best Private Bank - Thailand Best Private Bank for Digital CX in Thailand REFINITIV บริการทุกระดับประทับใจ - Best THB Interest Rates Swap Contributor (Runner-up) - Best THB Local Cross Currency Contributor (Runner-up) 121 122