Currency and Interest Rate Outlook

K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Harmonized Channels: Domestic Channels and No. of Transactions Branch E-Machine (ATM/CDM**) (-3) (-30*) I (-176) (+19*) 1,026 958 886 860 857 830 11,891 11,985 10,973 10,981 10,805 11,000 2017 2018 2019 2020 1H21 2021T 2017 2018 2019 2020 1H21 2021T ** Cash Deposit Machine Mobile Banking Users (mn) Number of Transactions*** (+1.3) (+3.1*) K+ 1.2bn 11% 8% 1.5bn 2.0bn 2.7bn 3.8bn 2.4bn 5% 4% 2% 1% Branch 20% 28% 15% E-Machine 37% 48% 59% 17.5 14.4 15.7 12.1 10.0 7.3 58% 68% 78% 84% Mobile Banking 44% 30% 2016 2017 2018 2019 2020 1H21 2017 2018 2019 2020 1H21 2021T * Compared to Y2020 K KASIKORNTHAI Domestic Channels New KBank Branch (Hybrid Branch) KBank *** Transaction includes only cash deposit, cash withdrawal, payment and transfer บริการทุกระดับประทับใจ Community Branch (K Park) ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK THE WISDOM Lounge This new branch design focuses on increasing the flexibility and efficiency of the branch banking services. The service area and all furniture are specially designed to assist branch staff to smoothly facilitate customer's adoption of self-service machines and digital channels (K PLUS). The height of the modular counter can be adjusted to accommodate various flow-in throughout the day. E-Machine The community bank where local people able to spend their life comfortably all day! Focusing on the outskirts of the city is response to the expansion of more villages and schools. K Park provides financial zones for transactions and co-working spaces with the Kids Zone and parcel service from KBank partner in the same place. An exclusive center providing a full range of services and facilities to High Net Worth Individuals and Affluent segments. M ATM ATM- ฝาก น Apart from being an ordinary cash-focused servicing machine, we enhance our self-service machine to be an authentication touch point for all digital onboarding such as e-Savings and e- Wallet account opening. The e-machines will provide massive additional convenience apart from normal branch coverage. KBank KBank Service ฝาก-ถอน-จ่ายบิล. SERVICE ยืนยันตัวตน เคแบงก์เชอร์วิส ใกล้ที่ไหน ไปที่นั่น KBank Service - Banking Agents are business partners with extensive network coverage, appointed by the Bank to provide specific banking services to customers such as accepting cash deposits into KBank accounts, cash withdrawals, bill payments, and identity verification when opening electronic bank accounts for retail customers. บริการทุกระดับประทับใจ อยู่น Is Tou ชาน o Digital Banking K เป็นรายแนเชอรีน Digital Banking includes: ⚫K PLUS K PLUS SME K PLUS SHOP K-Cyber Service K-Corporate Connect K-Payment Gateway K-PowerP@y (mPOS) ⚫ LINE BK ⚫ MAKE ⚫ Khunthong. สายเชีย ⚫ LINE KBank LIVE 32 32 31

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