KASIKORNTHAI Regulatory Capital and Financial Performance Update

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 9M23 New-to-KBank Credit Customers • • 309K newly acquired credit customers Bt52bn new booking amount in 1H23 (51% of total new booking) from New-to-KBank credit customers Self-apply channel on K PLUS for unsecured credit • 1.45 millions applications/month including both commercial and consumer products Bt110bn new booking amount from existing customers Bt13bn new booking for "Green" Bt1bn 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 Key Achievements in 9M23 5.7% YTD Mutual Fund AUM Growth (Bt49bn). Higher than 2.8% industry growth. Main driver is Term Fund sales volume beneficial from attractive government bond yield. Comprehensive Product Offerings 。 IPO private equity and term fund to capture market opportunity. 。 Core-Satellite has rolled out to customers. o Launched Varieties of Affordable Insurance matching needs of each customer segment Sale & Service Model Enhancement with Digital Technology Enablement 。 Strengthening RM capability with wealth specialist. 。 Developing digital wealth app for integrated product suites with advisory contents and holistic portfolio. K-Wealth Brand Strengthening o Top of mind in Wealth Management. 。 Market alert advisory content to customers. o Gain/Loss alert recommendation. . • product to enhance returns while coping with the volatile market 118% YTD AUM Growth of Multi Asset/Balanced Fund - our core Launched Bancassurance - Legacy 99/1, 99/5, 99/10 for legacy planning to address High-Net-Worth & Affluent customer needs Launched Bancassurance - Critical illness online for Middle Income customer addressing their needs - to can get cash back when there is no claim More than 90% of New Mutual Fund customers from K PLUS ⚫ 37% YoY Growth of Mutual Fund Digital Sale Volume (Bt17bn), mainly from low-risk products Regularly engage customer digitally through weekly K-Wealth Outlook view, K-Wealth Flash Update, and K-Wealth Investment Tips C บริการทุกระดับประทับใจ 30 30

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