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Creating the Future of Finance - Breakthrough Innovation

K KASIKORNTHAI Classified Loans ■ ☐ Cleaning up balance sheet for sustainable normalization will continue Global and local economic risks post challenges for our prudent policy ธนาคารกสิกรไทย 开泰银行 KASIKORN BANK Total loan and AIR Bt2,480bn Bt2,511bn Total loan allowance Bt121.2bn Bt133.5bn (4.9% of loan and AIR) (5.3% of loan and AIR) % Comprehensive 6.3% 6.9% %NPL coverage 149% 154% debt restructuring Stage3 Stage3 Bt88bn 3.6% Bt93bn 3.7% Stage2 Bt187bn 7.5% Stage2 Bt188bn 7.5% Stage1 Bt2205bn 88.9% Stage1 Bt2230bn 88.8% Sep 2022 Dec 2022 บริการทุกระดับประทับใจ Stage3 Bt37.6bn %ECL 42.5% Stage2 Bt40.9bn %ECL 21.9% Stage1 Bt42.7bn %ECL 1.9% Sep 2022 Stage3 Bt40.8bn %ECL 43.8% Stage2 Bt46.1bn %ECL 24.5% Stage1 Bt46.6bn %ECL 2.1% Dec 2022 K KASIKORNTHAI Composition of Growth: Loans by Business Moderate loan growth momentum in line with full-year target Loan Portfolio Structure ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Loan Portfolio Consolidated (Bt bn) Dec 21 2,800 2,400 2,421 2,495 Amount (Bt bn) Dec 22 Y2022 Y2022 Y2023 Loan Growth Yield Range Loan Growth Target 2,245 (%) (%) 1,914 2,002 Corporate Loans 816 880 7.8% 2-4% 2,000 34% 36% Corporate 36% SME Loans 793 780 (1.6%) 5-7% 1,600 36% 35% 1,200 33% 31% 33% ■SME ■Retail Retail Loans 711 703 (1.2%) 5-7% 35% 34% Other Loans 101 132 30.4% 800 Others 400 0 25% 4% 28% 28% 29% 4% 10 2018 2019 3% 2020 4% 2021 28% 5% Total Loans ¹) 2,422 2,495 3.0% 5.0% (%) 4-6% 1-2% 2-4% 5-7% 2022 Y2022 Note: From time to time, the Bank has adjusted loan definitions based on loan portfolio management; thus, the latest loan base is not comparable with previous reports. 1) Y2022 other loans was included loans through the World Business Group of Bt82bn, increased 73.1% YoY 2023 Outlook 11 Corporate Loans SME Loans Retail Loans Loan Definition ■ Loan portfolio grew both short-term and long-term loans from financial institutions, commerce, consumer products, food and beverages, and chemicals industries. ■ SME loans outstanding slightly decreased with an aim to control and mitigate credit risk ■ However, KBank still provided various product offerings matched to customers' needs with risk-based offerings through "Self-Apply" via digital channels ■ Retail loans outstanding slightly decreased mainly from housing loans which were affected by market competition. However, credit card showed improvement with higher spending in shopping, tourism, and restaurant categories ■ Personal loans grew from "unsecured customer" segment onboarding through "Self-Apply" via digital channels ■ Continued use of data analytics to continuously improve predictive power of credit model and credit process in order to acquire new customer segments with acceptable risk for both SME and Retail Loans Corporate Loans: Loans of KBank and KBank's Subsidiaries in Corporate Segments (annual sales tumover > Bt400mn) SMĖ Loans: Loans of KBank and KBank's Subsidiaries in SME Segments (annual sales tumover ≤ Bt400mn) Retail Loans: Loans of KBank and KBank's Subsidiaries in Retail Segments ■ Focus on supporting ESG loans in prospective industries ■ Potential loan growth in some sectors to support business opportunities ■ Grow prudently in line with market situation ■ Use data analytics to expand credit opportunities in specific industries ■ Continuously focus on small enterprises and self-employed customers with various product offerings matched to their needs and through digital channels with risk-based pricing ■ Promote business growth of healthy SME customers and accelerate supports to at-risk SMEs to maximize recovery ■ Maintain lead position in consumer market and be "1st in mind" to our customers and prospects ■ Grow prudently in line with market situation ■ Focus on intelligent lending by using data analytics to offer products and promotions aligned with customers' needs ■ Focus on acquiring "small-pocket" customers with acceptable risk and proactive monitoring to manage loan portfolio quality ■ Focus on generating additional revenue from existing credit customers Other Loans: Composed of loans through the World Business Group, insurance business (MTL), and other loan types not directly attributable to loans บริการทุกระดับประทับใจ Enterprise Risk Management Division (Net Performing Restructured 9 Loans) reclassified customer segments. 12

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