KASIKORNBANK Strategic Acquisition

K KASIKORNTHAI Relief Measures to Lessen COVID-19 Impact ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Relief measures (the government, the BOT, and KBank) have been offered to help customers through the COVID-19 pandemic. Relief measures help limit short-term impact on asset quality, while focusing more on comprehensive debt restructuring. Total Loans Bt2.4trn Loans Exited Relief Programs Bt491bn or 20% 13% of Total Loans Able to Pay Total Loans Bt2.5trn Bt444bn or 90% Loans Exited Relief Programs Bt538bn or 22% Able to Pay Bt484bn or 90% Loans in Relief Programs Bt322bn Retail Bt108bn or 13% Days Past Due (>30 days) Bt47bn or 10% Corporate Bt82bn Able to Pay Bt302bn or 94% SME Bt132bn As of December 2021 Days Past Due (>30 days) Bt20bn or 6% Loans in Relief Programs Bt250bn or 10% 10% of Total Loans Retail Bt68bn Corporate Bt64bn Days Past Due (>30 days) Bt54bn or 10% Able to Pay Bt213bn or 85% SME Bt118bn Days Past Due (>30 days) Bt36bn or 15% As of March 2022 Note: 1) Loans in Relief programs as of June 2020, amount of Bt828bn, or 39% of total loans; as of December 2020, amount of Bt429bn, or 19% of total loans. 2) More details can be found in Investor Presentation in previous quarters. บริการทุกระดับประทับใจ K KASIKORNTHAI ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Customers in BOT Comprehensive Debt Restructuring % to Total Loans 40% Bt861bn Retail Bt219bn 13% 10% Bt322bn Corporate Bt137bn Retail Bt108bn Bt250bn Retail Bt68bn Back to normal SME Bt505bn Corporate Bt82bn Corporate Bt64bn Likely to require BOT 11 September 2020 SME Bt132bn December 2021 SME Bt118bn March 2022 Comprehensive Debt Restructuring Program Bt193bn* 50-80% in blue scheme * Estimated from customers in relief program, and subject to inflow and outflow of loans Note: The BOT comprehensive debt restructuring in blue scheme is the restructuring arrangement with conditions to reduce debt repayment burdens. บริการทุกระดับประทับใจ 12

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