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1 For further information, please contact the Investor Relations Unit or visit our website at www.kasikornbank.com KASIKORNBANK Presentation for Analyst Meeting as of 2Q26 July 2026 2 • Established on June 8, 1945 with registered capital of Bt5mn (USD0.15mn) • Listed on the Stock Exchange of Thailand (SET) since 1976 Core Value: Customer at Heart Productivity with Value Innovation that Scales Trustworthy Integrity Consolidated (1H26) Note: 1) Loans = Loans to customers 2) Assets, loans and deposits market share is based on C.B.1.1 (monthly statement of assets and liabilities) of 17 Thai commercial banks as of May 2026 3) Capital Adequacy ratio (CAR) has been reported in accordance with Basel III Capital Requirement from 1 January 2013 onwards. CAR is based on KASIKORNBANK FINANCIAL CONGLOMERATE, which me ans the company under the notification of the Bank of Thailand re: consolidated supervision, consisting of KBank, K companies and subsidiaries operating in supporting KBank. Phethai Asset Management Co., Ltd. and subsidiaries within the permitted scope from the BOT’s to be financial conglomerate. 4) ROE = Net profit (attribute to equity holders of the Bank) deduct dividend from other equity instruments after income tax divided by average equity of equity excluded other equity instruments 5) Bank only and Consolidated Number of employees includes employees of KBank, the wholly-owned subsidiaries of KBank and support service providers of KBank. - Exchange rate at the end of June 2026 (Mid Rate) was Bt33.27 per USD (Source: Bank of Thailand) 1 Financial Figures DepositsLoans1Assets Bt2,918bn (USD87.7bn) Bt2,559bn (USD76.9bn) Bt4,571bn (USD137.4bn)Value #1#2#2Rank2 17.52%16.68%17.00%Market Share Key Ratio and Operating Figures ROA 1.22% ROE 9.65%4 CAR 19.24%3Key Ratio Employees5 16.5k/ 28.1k K PLUS Users 24.7mn Branches 707Operating Vision: “KASIKORNBANK aims to be the most innovative, proactive, and customer centric financial institution, Delivering world class financial services and sustainable value to stakeholders by harmoniously combining technology and talent” Share Information Share Price (Closing on June 30, 2026) KBANK-FKBANK Bt215.00 (USD6.46)Bt218.00 (USD6.55) LowestHighestLowestHighest Bt182.50 (USD5.49) Bt215.00 (USD6.46) Bt183.50 (USD5.52) Bt218.00 (USD6.55) Share Capital Issued and Paid-Up Bt23.7bn (USD0.71bn) Authorized Bt30.2bn (USD0.91bn) Market CapitalizationNumber of Shares Bt512.6bn (USD15.40bn)2.4bn BVPSEPS Bt245.12 (USD7.37)Bt11.87 (USD0.36) KASIKORNBANK at a Glance
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1 For further information, please contact the Investor Relations Unit or visit our website at www.kasikornbank.com KASIKORNBANK Presentation for Analyst Meeting as of 2Q26 July 2026 2 • Established on June 8, 1945 with registered capital of Bt5mn (USD0.15mn) • Listed on the Stock Exchange of Thailand (SET) since 1976 Core Value: Customer at Heart Productivity with Value Innovation that Scales Trustworthy Integrity Consolidated (1H26) Note: 1) Loans = Loans to customers 2) Assets, loans and deposits market share is based on C.B.1.1 (monthly statement of assets and liabilities) of 17 Thai commercial banks as of May 2026 3) Capital Adequacy ratio (CAR) has been reported in accordance with Basel III Capital Requirement from 1 January 2013 onwards. CAR is based on KASIKORNBANK FINANCIAL CONGLOMERATE, which me ans the company under the notification of the Bank of Thailand re: consolidated supervision, consisting of KBank, K companies and subsidiaries operating in supporting KBank. Phethai Asset Management Co., Ltd. and subsidiaries within the permitted scope from the BOT’s to be financial conglomerate. 4) ROE = Net profit (attribute to equity holders of the Bank) deduct dividend from other equity instruments after income tax divided by average equity of equity excluded other equity instruments 5) Bank only and Consolidated Number of employees includes employees of KBank, the wholly-owned subsidiaries of KBank and support service providers of KBank. - Exchange rate at the end of June 2026 (Mid Rate) was Bt33.27 per USD (Source: Bank of Thailand) 1 Financial Figures DepositsLoans1Assets Bt2,918bn (USD87.7bn) Bt2,559bn (USD76.9bn) Bt4,571bn (USD137.4bn)Value #1#2#2Rank2 17.52%16.68%17.00%Market Share Key Ratio and Operating Figures ROA 1.22% ROE 9.65%4 CAR 19.24%3Key Ratio Employees5 16.5k/ 28.1k K PLUS Users 24.7mn Branches 707Operating Vision: “KASIKORNBANK aims to be the most innovative, proactive, and customer centric financial institution, Delivering world class financial services and sustainable value to stakeholders by harmoniously combining technology and talent” Share Information Share Price (Closing on June 30, 2026) KBANK-FKBANK Bt215.00 (USD6.46)Bt218.00 (USD6.55) LowestHighestLowestHighest Bt182.50 (USD5.49) Bt215.00 (USD6.46) Bt183.50 (USD5.52) Bt218.00 (USD6.55) Share Capital Issued and Paid-Up Bt23.7bn (USD0.71bn) Authorized Bt30.2bn (USD0.91bn) Market CapitalizationNumber of Shares Bt512.6bn (USD15.40bn)2.4bn BVPSEPS Bt245.12 (USD7.37)Bt11.87 (USD0.36) KASIKORNBANK at a Glance
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3 2026F* (May 26) 2026F* (Apr 26)1Q2620252024 2019%YoY 2.01.22.82.42.92.1GDP Growth 2.21.53.22.74.44.0Private Consumption 1.30.73.40.62.61.6Government Consumption 3.91.29.94.9-0.32.0Total Investment 4.51.510.13.5-1.92.6- Private investment 3.51.79.48.94.50.1- Public investment -4.5-4.5-5.1-4.7-4.0-3.0Gov't Budget Deficit (% of GDP) 8.20.317.612.95.5-2.6Exports (Customs Basis) 13.93.732.312.95.9-4.8Imports (Customs Basis) 0.24.02.115.911.638.3Current Account (USD bn) 3.13.4-0.5-0.10.40.7Headline Inflation (%) 90.090.074.768.379.763.2Avg Dubai Oil Price (USD/Barrel) 30.031.59.333.035.539.9No. of Foreign Tourists (mn) 1.001.001.001.252.251.25Policy Interest Rate (%)** 32.8032.8032.9731.5134.1029.98USD/THB (End Period)** Economic & Geopolitical Uncertainties: Thailand’s 2026 GDP growth is projected at 2.0%, driven by stronger-than-expected 1Q26 growth, private investment momentum, and Bt400bn in additional stimulus. Key GDP Forecasts and Assumptions Operating Environment Government Policy Key sectors impacted from the Middle East tension: Energy- and petrochemical-intensive industries including transportation, manufacturing, agriculture, as well as tourism Ongoing Challenges Short-Term: Middle East tension, US tariffs, trade and global economic slowdown, sluggish domestic consumption Thailand’s Long-Term Structural Challenges: Manufacturing slowdown, talent competitiveness, aging society, fiscal constraints, and high household debt Possible Upsides Energy prices to decline faster than expected amid easing tensions or government measures. New US tariffs have been postponed. Impact to Thai Economy & Banking IndustryImplementation PeriodShort-Term Policy Help alleviate cost-of-living pressures stemming from the energy crisisJun-Sep 26Thais Helping Thais Plus (60:40 co-payment) Top-ups for state welfare card Jun-Sep 26 Help retail and SME debtors improve liquidity and financial burdens 3 yearsYou Fight, We Help Transfer eligible distressed loans to Social AMCStarting 5 Jan 26Quick Debt Settlement, Move Forward Enhance credit access by guaranteeing part of the loan loss for new lending, lowering banks’ credit costs Starting 15 Jan 26 (maximum 7-year guarantee tenor)SMEs Credit Boost Impact to Thai Economy & Banking IndustryLong-Term Policy Investment increase, but economic viability remains subject to debateLand Bridge Expected to improve fiscal sustainability Tax reform Slow consumption and retail loan growthHousehold debt reduction 2026: Thailand’s economy is expected to slow in 2Q26 amid the impact of ongoing Middle East tensions, before rebounding in 2H26, supported by fiscal stimulus and a gradual easing of geopolitical tensions. 2025: Thailand’s economy expanded by 2.4% in 2025, driven primarily by stronger-than-expected exports, alongside consumption as supported by government measures and accelerated public investment. Note: MPC’s policy rate is at 1.00% (as of Feb 25, 2026) I Source: * KResearch (Apr 21 and May 18, 2026); ** KBank Capital Markets Research (as of July 15, 2026) 4 “We commit to driving sustainable prosperity by elevating and unleashing the full potential of every life and business we touch. Through trusted and innovative financial solutions, delivered with heart, we empower success that transforms lives and uplifts our beloved nation, Thailand. We don’t just serve Thailand; we are building the future of ASE AN+3. And we believe that begins with our people.” Reinvigorate credit performance Scale capital-lite fee income businesses Strengthen and pioneer sales and service models to deliver value-based results New revenue creation in medium- and long-term Elevate innovation and productivity by blending advanced technology, AI, and human intelligence while fostering a culture of learning and high performance Customer Make our customers successful in their life and business Shareholder Generate sustainable total return Employee Provide learn and lead opportunities Regulator Co-create future of finance Society Thrive for better quality of living PurposeK-Strategy Stakeholders 3 + 1 & P Strategic Priorities Conduct business with good corporate governance principles and appropriate risk and cost management P BANK OF SUSTAINABILITY Disciplined Execution of K-Strategy with Focus on “Customers” Anchored on 3+1 & P Strategy to Drive Long-term Value-Creation for All Stakeholders Strengthening Value Creation through “Customer Strategy” in 2026 onwards
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3 2026F* (May 26) 2026F* (Apr 26)1Q2620252024 2019%YoY 2.01.22.82.42.92.1GDP Growth 2.21.53.22.74.44.0Private Consumption 1.30.73.40.62.61.6Government Consumption 3.91.29.94.9-0.32.0Total Investment 4.51.510.13.5-1.92.6- Private investment 3.51.79.48.94.50.1- Public investment -4.5-4.5-5.1-4.7-4.0-3.0Gov't Budget Deficit (% of GDP) 8.20.317.612.95.5-2.6Exports (Customs Basis) 13.93.732.312.95.9-4.8Imports (Customs Basis) 0.24.02.115.911.638.3Current Account (USD bn) 3.13.4-0.5-0.10.40.7Headline Inflation (%) 90.090.074.768.379.763.2Avg Dubai Oil Price (USD/Barrel) 30.031.59.333.035.539.9No. of Foreign Tourists (mn) 1.001.001.001.252.251.25Policy Interest Rate (%)** 32.8032.8032.9731.5134.1029.98USD/THB (End Period)** Economic & Geopolitical Uncertainties: Thailand’s 2026 GDP growth is projected at 2.0%, driven by stronger-than-expected 1Q26 growth, private investment momentum, and Bt400bn in additional stimulus. Key GDP Forecasts and Assumptions Operating Environment Government Policy Key sectors impacted from the Middle East tension: Energy- and petrochemical-intensive industries including transportation, manufacturing, agriculture, as well as tourism Ongoing Challenges Short-Term: Middle East tension, US tariffs, trade and global economic slowdown, sluggish domestic consumption Thailand’s Long-Term Structural Challenges: Manufacturing slowdown, talent competitiveness, aging society, fiscal constraints, and high household debt Possible Upsides Energy prices to decline faster than expected amid easing tensions or government measures. New US tariffs have been postponed. Impact to Thai Economy & Banking IndustryImplementation PeriodShort-Term Policy Help alleviate cost-of-living pressures stemming from the energy crisisJun-Sep 26Thais Helping Thais Plus (60:40 co-payment) Top-ups for state welfare card Jun-Sep 26 Help retail and SME debtors improve liquidity and financial burdens 3 yearsYou Fight, We Help Transfer eligible distressed loans to Social AMCStarting 5 Jan 26Quick Debt Settlement, Move Forward Enhance credit access by guaranteeing part of the loan loss for new lending, lowering banks’ credit costs Starting 15 Jan 26 (maximum 7-year guarantee tenor)SMEs Credit Boost Impact to Thai Economy & Banking IndustryLong-Term Policy Investment increase, but economic viability remains subject to debateLand Bridge Expected to improve fiscal sustainability Tax reform Slow consumption and retail loan growthHousehold debt reduction 2026: Thailand’s economy is expected to slow in 2Q26 amid the impact of ongoing Middle East tensions, before rebounding in 2H26, supported by fiscal stimulus and a gradual easing of geopolitical tensions. 2025: Thailand’s economy expanded by 2.4% in 2025, driven primarily by stronger-than-expected exports, alongside consumption as supported by government measures and accelerated public investment. Note: MPC’s policy rate is at 1.00% (as of Feb 25, 2026) I Source: * KResearch (Apr 21 and May 18, 2026); ** KBank Capital Markets Research (as of July 15, 2026) 4 “We commit to driving sustainable prosperity by elevating and unleashing the full potential of every life and business we touch. Through trusted and innovative financial solutions, delivered with heart, we empower success that transforms lives and uplifts our beloved nation, Thailand. We don’t just serve Thailand; we are building the future of ASE AN+3. And we believe that begins with our people.” Reinvigorate credit performance Scale capital-lite fee income businesses Strengthen and pioneer sales and service models to deliver value-based results New revenue creation in medium- and long-term Elevate innovation and productivity by blending advanced technology, AI, and human intelligence while fostering a culture of learning and high performance Customer Make our customers successful in their life and business Shareholder Generate sustainable total return Employee Provide learn and lead opportunities Regulator Co-create future of finance Society Thrive for better quality of living PurposeK-Strategy Stakeholders 3 + 1 & P Strategic Priorities Conduct business with good corporate governance principles and appropriate risk and cost management P BANK OF SUSTAINABILITY Disciplined Execution of K-Strategy with Focus on “Customers” Anchored on 3+1 & P Strategy to Drive Long-term Value-Creation for All Stakeholders Strengthening Value Creation through “Customer Strategy” in 2026 onwards
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5 Medium Term Aspiration Reignite growth as economic conditions improve Stability and resilience amid challenging operating environment • Fully Execute 3+1 & P Strategy • Strengthen value creation through “Customer Strategy” Deliver Sustainable TSR ≥ 50% Dividend Payout* Secure Balance Sheet Strength ≥ 15% CET1 Ratio Target Enhancing strategic priorities to drive sustainable fundamental performance 13-15% CET1 Ratio Target ≥ 50% Dividend Payout* • Strengthening financial resilience and enhancing capital buffers with further consideration for delayed Basel III reform from 2026 to 2029 • Optimizing capital levels post-Basel III reforms • Aiming at 50-60% divi dend payout in medium term to deliver sustainable TSR • Considering additional capi tal distribution options** depending on market conditions, financial performance and capital level • Sustaining dividend payout ≥ 50% • Considering additional capital distribution options** depending on market conditions, financial performance and capital level Enhance Capital Efficiency and Total Shareholder Return, while Strengthening Capital Buffer Note: *If facing an unforeseen circumstance, the Bank may consider not to pay at the above-mentioned level of dividend payout ratio by considering prudence and suitable return to shareholders. **Additional capital distribution options include special dividend/ share buyback Double-digit ROE target maintained, albeit timing of achievement dependent on macroeconomic conditions • Enhancing prudent operations under 3+1 & P strategy, driving productivity and cost improvement • Sharpening focus on priority customer segments 6 Resilient Quarterly Results Amid Market Uncertainties Notes (1H26)2026 Targets1H26 Actual2Q26 ActualConsolidated NIM declined in line with market conditions, mainly due to interest rate cuts throughout 2025 and in 1Q26, as well as a shift in loan structu re reflecting the Bank’s strategic focus on asset quality improvement. 2.75 – 2.95%2.91%2.90%NIM Loan growth was supported by corporate lending. The Bank remain s focused on selective and quality loan expansion, emphasizing asset quality and optimizing risk-adjusted returns. 0 – 2%3.32% YTD 5.13% YoY 3.32% YTD 4.48% QoQ Loan Growth Continued momentum in wealth management business, particularly mutual funds, reflects our ability to offer investment solutions aligned with customers' needs and market conditions. The Bank remains focused on growing fee income amid ongoing economic challenges and the impact of the new standardi zed fee regulations. Mid to High- Single digit22.40% YoY26.48%YoY 4.05% QoQ Net Fee Income Growth1 Cost to income ratio improved YoY, driven by ongoing productivity improvements including workforce management initiatives and process improvement, and partly supported by the recognition of a large one-off income in 1Q26* ; maintain disciplined cost management and productivity focus. Mid-40s40.33%41.73%Cost to Income Ratio2 Credit cost was at the high end of the target range, reflecting a prudent buffer build-up to enhance resilience against uncertainties. The Bank continue to maintain prudent and cautious policy to safeguard against the h ighly volatile economic environment. 140 – 160 bps158 bps160 bpsCredit Cost per year (bps) < 3.25%3.18%3.18%NPL Ratio (Gross)3 Included a large one-off income in 1Q26* N/A9.65%9.11%ROE4 N/A1.22%1.16%ROA Deliver sustainable TSR with dividend payout ≥ 50%, aiming at 50-60% in themedium term, and potential for additional capital distribution depending on market conditions, financialperformance and capital level5Dividend Policy Note: 1) Net Fee Income = Fees and Service Income –Fees and Service Expense; 2) Cost to Income Ratio = Total Other Operating Expenses to Total Operating Income –net (Total Operating income less Net insurance finance expenses); 3) NPL Ratio (Gross) = NPL (gross) to total loans; NPL (gross)used in the calculation are loans to general customers and loans to financial institutions that are non-performing loans; total loans used in the calculation are loans to general customers and loans to financial institutions; 4) ROE = Net profit deducted Additional Tier 1 dividend after tax/Average total equity excluded Additional Tier 1; 5) If facing an unforeseen circumstance, the Bank may consider not to pay at the above-mentioned level by considering prudence and suitable return to shareholders. * Compensation income from investment of Bt1,455mn in 1Q26
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5 Medium Term Aspiration Reignite growth as economic conditions improve Stability and resilience amid challenging operating environment • Fully Execute 3+1 & P Strategy • Strengthen value creation through “Customer Strategy” Deliver Sustainable TSR ≥ 50% Dividend Payout* Secure Balance Sheet Strength ≥ 15% CET1 Ratio Target Enhancing strategic priorities to drive sustainable fundamental performance 13-15% CET1 Ratio Target ≥ 50% Dividend Payout* • Strengthening financial resilience and enhancing capital buffers with further consideration for delayed Basel III reform from 2026 to 2029 • Optimizing capital levels post-Basel III reforms • Aiming at 50-60% divi dend payout in medium term to deliver sustainable TSR • Considering additional capi tal distribution options** depending on market conditions, financial performance and capital level • Sustaining dividend payout ≥ 50% • Considering additional capital distribution options** depending on market conditions, financial performance and capital level Enhance Capital Efficiency and Total Shareholder Return, while Strengthening Capital Buffer Note: *If facing an unforeseen circumstance, the Bank may consider not to pay at the above-mentioned level of dividend payout ratio by considering prudence and suitable return to shareholders. **Additional capital distribution options include special dividend/ share buyback Double-digit ROE target maintained, albeit timing of achievement dependent on macroeconomic conditions • Enhancing prudent operations under 3+1 & P strategy, driving productivity and cost improvement • Sharpening focus on priority customer segments 6 Resilient Quarterly Results Amid Market Uncertainties Notes (1H26)2026 Targets1H26 Actual2Q26 ActualConsolidated NIM declined in line with market conditions, mainly due to interest rate cuts throughout 2025 and in 1Q26, as well as a shift in loan structu re reflecting the Bank’s strategic focus on asset quality improvement. 2.75 – 2.95%2.91%2.90%NIM Loan growth was supported by corporate lending. The Bank remain s focused on selective and quality loan expansion, emphasizing asset quality and optimizing risk-adjusted returns. 0 – 2%3.32% YTD 5.13% YoY 3.32% YTD 4.48% QoQ Loan Growth Continued momentum in wealth management business, particularly mutual funds, reflects our ability to offer investment solutions aligned with customers' needs and market conditions. The Bank remains focused on growing fee income amid ongoing economic challenges and the impact of the new standardi zed fee regulations. Mid to High- Single digit22.40% YoY26.48%YoY 4.05% QoQ Net Fee Income Growth1 Cost to income ratio improved YoY, driven by ongoing productivity improvements including workforce management initiatives and process improvement, and partly supported by the recognition of a large one-off income in 1Q26* ; maintain disciplined cost management and productivity focus. Mid-40s40.33%41.73%Cost to Income Ratio2 Credit cost was at the high end of the target range, reflecting a prudent buffer build-up to enhance resilience against uncertainties. The Bank continue to maintain prudent and cautious policy to safeguard against the h ighly volatile economic environment. 140 – 160 bps158 bps160 bpsCredit Cost per year (bps) < 3.25%3.18%3.18%NPL Ratio (Gross)3 Included a large one-off income in 1Q26* N/A9.65%9.11%ROE4 N/A1.22%1.16%ROA Deliver sustainable TSR with dividend payout ≥ 50%, aiming at 50-60% in themedium term, and potential for additional capital distribution depending on market conditions, financialperformance and capital level5Dividend Policy Note: 1) Net Fee Income = Fees and Service Income –Fees and Service Expense; 2) Cost to Income Ratio = Total Other Operating Expenses to Total Operating Income –net (Total Operating income less Net insurance finance expenses); 3) NPL Ratio (Gross) = NPL (gross) to total loans; NPL (gross)used in the calculation are loans to general customers and loans to financial institutions that are non-performing loans; total loans used in the calculation are loans to general customers and loans to financial institutions; 4) ROE = Net profit deducted Additional Tier 1 dividend after tax/Average total equity excluded Additional Tier 1; 5) If facing an unforeseen circumstance, the Bank may consider not to pay at the above-mentioned level by considering prudence and suitable return to shareholders. * Compensation income from investment of Bt1,455mn in 1Q26
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7 Stage1 Bt45.6bn %ECL 2.0% Stage1 Bt47.4bn %ECL 2.1% Stage2 Bt56.5bn %ECL 26.4% Stage2 Bt57.6bn %ECL 26.7% Stage3 Bt44.4bn %ECL 49.4% Stage3 Bt44.8bn %ECL 49.7% Stage1 Bt2,168.1bn 87.8% Stage1 Bt2,273.1bn 88.1% Stage2 Bt211.2bn 8.6% Stage2 Bt215.6bn 8.4% Stage3 Bt89.3bn, 3.6% Stage3 Bt90.1bn, 3.5% Stable Asset Quality with Higher NPL Coverage Reflects Prudent Provisioning Policy % Debt Restructuring** Total Classified Loans* Total Loan Allowance (ECL) 174%% NPL Coverage (5.8% of Classified Loans) 8.7%9.1% (5.9% of Classified Loans) Jun 2026Mar 2026 Note: * Classified Loans = Loans to customers and accrued interest receivables and undue interest receivables **% Debt restructuring including comprehensive debt restructuring loans Stage 3 Stage 2 Stage 1 Jun 2026 Bt149.8bn Mar 2026 172% Bt2,579bn Prudently built-up coverage levels to safeguard against the highly volatile environment Bt2,469bn Bt146.5bn 8 Note: * Loans in relief programs including debt resolution measures during the early stage of COVID-19; covering broad-based payment holiday and opt-in program; loans in CDR before 3Q23 included one-year scheme ** Classified Loans = Loans to customers and accrued interest receivables and undue interest receivables *** NPL Sales = legal claim amount, not book value of transferring amount Bt188bn 7.5% Bt185bn 7.4% Bt216bn 8.6% Bt214bn 8.6% Bt211bn 8.6% Bt216bn 8.4% Bt93bn 3.7% Bt92bn 3.7% Bt91bn 3.7% Bt92bn 3.7% Bt89bn 3.6% Bt90bn 3.5% 4Q22 4Q23 4Q24r 4Q25 1Q26 2Q26 Stage 3 Stage 2 174 186 192 219 224 224 2022 2023 2024r 2025 1Q26 2Q26 428 322 2020 2021 1H262Q261Q2620254Q253Q252Q251Q252024r20232022202120202019 150150147143143141139136132134134145134125Total Loan Allowance(bn) 5.8%5.8%5.9%5.7%5.7%5.8%5.7%5.5%5.3%5.3%5.3%5.9%6.0%6.2%ECL to Classified Loans** (%) 158bps160bps160bps163bps168bps168bps165bps160bps191bps208bps211bps173bps205bps174bpsCredit Cost (bps) 3.18%3.18%3.19%3.20%3.20%3.19%3.18%3.19%3.20%3.19%3.19%3.76%3.93%3.65%NPL Ratio (%) 173.9%173.9%171.7%162.7%162.7%166.4%162.8%159.5%152.3%152.2%154.3%159.1%149.2%148.6%NPL Coverage (%) 7.02.84.216.36.03.63.63.122.314.159.027.421.526.4Write – off (Bt bn) 9.06.32.718.13.94.95.73.630.078.472.006.87.1NPL Sales (Bt bn)*** Loans in Relief Programs* Loans in Debt Restructuring (DR) 19% 13% Ongoing financial supports to well-disciplined payment customers With rising uncertainties, the Bank will continue to closely monitor loan portfolio, with proactive and dynamic asset quality management. Classified Loans (Stage 2 & 3) Strengthened Loan Portfolio Through High-Quality Credit Growth 6.9% 7.4% 7.7% 8.8% Bt282bn (11.1%) Bt277bn (11.1%) Bt305bn (12.3%) 9.1% Bt306bn (12.2%) System-Wide Supportive Measures Bt300bn (12.2%) (Bt bn) 8.7% Bt306bn (11.9%)
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7 Stage1 Bt45.6bn %ECL 2.0% Stage1 Bt47.4bn %ECL 2.1% Stage2 Bt56.5bn %ECL 26.4% Stage2 Bt57.6bn %ECL 26.7% Stage3 Bt44.4bn %ECL 49.4% Stage3 Bt44.8bn %ECL 49.7% Stage1 Bt2,168.1bn 87.8% Stage1 Bt2,273.1bn 88.1% Stage2 Bt211.2bn 8.6% Stage2 Bt215.6bn 8.4% Stage3 Bt89.3bn, 3.6% Stage3 Bt90.1bn, 3.5% Stable Asset Quality with Higher NPL Coverage Reflects Prudent Provisioning Policy % Debt Restructuring** Total Classified Loans* Total Loan Allowance (ECL) 174%% NPL Coverage (5.8% of Classified Loans) 8.7%9.1% (5.9% of Classified Loans) Jun 2026Mar 2026 Note: * Classified Loans = Loans to customers and accrued interest receivables and undue interest receivables **% Debt restructuring including comprehensive debt restructuring loans Stage 3 Stage 2 Stage 1 Jun 2026 Bt149.8bn Mar 2026 172% Bt2,579bn Prudently built-up coverage levels to safeguard against the highly volatile environment Bt2,469bn Bt146.5bn 8 Note: * Loans in relief programs including debt resolution measures during the early stage of COVID-19; covering broad-based payment holiday and opt-in program; loans in CDR before 3Q23 included one-year scheme ** Classified Loans = Loans to customers and accrued interest receivables and undue interest receivables *** NPL Sales = legal claim amount, not book value of transferring amount Bt188bn 7.5% Bt185bn 7.4% Bt216bn 8.6% Bt214bn 8.6% Bt211bn 8.6% Bt216bn 8.4% Bt93bn 3.7% Bt92bn 3.7% Bt91bn 3.7% Bt92bn 3.7% Bt89bn 3.6% Bt90bn 3.5% 4Q22 4Q23 4Q24r 4Q25 1Q26 2Q26 Stage 3 Stage 2 174 186 192 219 224 224 2022 2023 2024r 2025 1Q26 2Q26 428 322 2020 2021 1H262Q261Q2620254Q253Q252Q251Q252024r20232022202120202019 150150147143143141139136132134134145134125Total Loan Allowance(bn) 5.8%5.8%5.9%5.7%5.7%5.8%5.7%5.5%5.3%5.3%5.3%5.9%6.0%6.2%ECL to Classified Loans** (%) 158bps160bps160bps163bps168bps168bps165bps160bps191bps208bps211bps173bps205bps174bpsCredit Cost (bps) 3.18%3.18%3.19%3.20%3.20%3.19%3.18%3.19%3.20%3.19%3.19%3.76%3.93%3.65%NPL Ratio (%) 173.9%173.9%171.7%162.7%162.7%166.4%162.8%159.5%152.3%152.2%154.3%159.1%149.2%148.6%NPL Coverage (%) 7.02.84.216.36.03.63.63.122.314.159.027.421.526.4Write – off (Bt bn) 9.06.32.718.13.94.95.73.630.078.472.006.87.1NPL Sales (Bt bn)*** Loans in Relief Programs* Loans in Debt Restructuring (DR) 19% 13% Ongoing financial supports to well-disciplined payment customers With rising uncertainties, the Bank will continue to closely monitor loan portfolio, with proactive and dynamic asset quality management. Classified Loans (Stage 2 & 3) Strengthened Loan Portfolio Through High-Quality Credit Growth 6.9% 7.4% 7.7% 8.8% Bt282bn (11.1%) Bt277bn (11.1%) Bt305bn (12.3%) 9.1% Bt306bn (12.2%) System-Wide Supportive Measures Bt300bn (12.2%) (Bt bn) 8.7% Bt306bn (11.9%)
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9 2026 Outlook1Q26 Projected corporate loan growth driven by customers’ new investment opportunities Continued focus on supporting ESG loans in prospective industries Loan portfolio slightly decreased YTD. Decrease mainly seen in Rice, Commerce Consumer, and Electronics & Appliances. However, Petroleum & Petrochemical Products, Services, and Communication grew compared to 2025. Corporate Loans Proactively monitor evolving economic conditions to ensure customer resilience, facilitating business continuity through targeted and timely financial measures aligned with client needs Deliver tailored, industry-specific financing and advisory to empower high-potential expansion while providing dedicated liquidity to facilitate sustainable recovery for transitioning groups SME loans increased YTD, driven by a selective lending strategy focused on existing customers in selective industries, aligning with government priorities.SME Loans Drive core lending strategies while maintaining flexibility to implement customized support measures and liquidity enhancements in response to shifting economic dynamics Focus on responsible lending for essential needs based on sound credit fundamentals to ensure long-term retail portfolio quality Retail portfolio contracted YTD, reflecting a prudent and selective lending strategy to prioritize asset quality amidst the gradual economic transition. Credit cards declined due to seasonality and absence of government-backed spending campaigns, while personal loans followed a similar trend under a prudent lending policy. Housing loans grew through sustained partnerships with top developers. Retail Loans Loan Definition: Corporate Loans: Loans of KBank and KBank’s Subsidiaries in Corporate Segments (annual sales turnover > Bt400mn) SME Loans: Loans of KBank and KBank’s Subsidiaries in SME Segments (annual sales turnover ≤ Bt400mn) Retail Loans: Loans of KBank and KBank’s Subsidiaries in Retail Segments Other Loans: Composed of loans through the World Business Group, insurance business (MTL), and other loan types not directly attributable to the main business groups Composition of Growth: Loans by Business Selective careful loan growth with prudent underwriting policy in line with economic conditions Loan Portfolio Loan Portfolio Structure Note: **From time to time, the Bank has adjusted loan definitions based on loan portfolio management; thus, the latest loan base is not comparable to previous reports. Other loans through the World Business Group are included. In 1Q26, WBG loans were Bt92bn, decreasing 4.6% YTD. Consolidated 1Q26 1Q26 Y2026 Dec 25 Mar 26 Loan Growth Yield Range Loan Growth Target (% ) (%) (%) Corporate Loans 1,010 991 (1.9% ) 3-5% -2% to 0% SME Loans 585 588 0.5% 5-7% -5% to 0% Retail Loans 776 770 (0.8% ) 5-7% 5% to 7% Other Loans 105 100 (4.4%) Total Loans** 2,477 2,449 (1.1% ) 4.8% 0% to 2% Amount (Bt bn) 4% 5% 4% 4% 4% 32% 31% 31% 31% 31% 30% 28% 25% 24% 24% 34% 36% 40% 41% 41% 2,495 2,490 2,484 2,477 2,499 0 400 800 1,200 1,600 2,000 2,400 2,800 2022 2023 2024r 2025 1Q26 (Bt bn) Corporate SME Retail Others 10 2022 2023 2024r 2025 1H25 1H26 1Q26 2Q26 NIM (%) 3.33 3.66 3.60 3.23 3.36 2.91 2.95 2.90 NIM - Credit Cost 1.22 1.58 1.69 1.60 1.74 1.34 1.35 1.30 Yield on Earnings Assets (%) 3.79 4.52 4.58 4.08 4.27 3.70 3.73 3.69 Yield on Loans (%) 4.97 5.84 5.83 5.16 5.35 4.68 4.77 4.72 Cost of Fund (% ) 0.62 1.17 1.34 1.19 1.26 1.07 1.07 1.07 Cost of Deposits (%), incl DPA 0.53 0.98 1.14 1.04 1.09 0.94 0.94 0.94 1H26 NIM was 2.91%. NIM declined in line with market conditions, mainly due to interest rate cuts throughout 2025 and in 1Q26, as well as a shift in loan structure reflecting the Bank’s strategic focus on asset quality improvement. High portion of CASA (82%) also helped support cost of fund. Yield on Earnings Assets Net Interest Margin June 2026 (Consolidated) NIM Yield on Earnings Assets and Cost of Fund Yield on Loans Cost of Fund Cost of Deposits* Note: Cost of deposits including contributions to the Financial Institutions Development Fund (FIDF) and Deposit Protection Agency (DPA). *The FIDF fee is temporarily reduce from 0.46% to 0.23% for 3 years, according to the BOT announcement in the Royal Gazette, during January 2020 to December 2022. 3.33 3.66 3.60 3.23 2.91 0 1 2 3 4 5 2022 2023 2024r 2025 1H26 (%) 0.53 0.98 1.14 1.04 0.94 0.62 1.17 1.34 1.19 1.07 3.79 4.52 4.58 4.08 3.70 4.97 5.84 5.83 5.16 4.68 0 2 4 6 8 2022 2023 2024 r 2025 1H26 (%)
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9 2026 Outlook1Q26 Projected corporate loan growth driven by customers’ new investment opportunities Continued focus on supporting ESG loans in prospective industries Loan portfolio slightly decreased YTD. Decrease mainly seen in Rice, Commerce Consumer, and Electronics & Appliances. However, Petroleum & Petrochemical Products, Services, and Communication grew compared to 2025. Corporate Loans Proactively monitor evolving economic conditions to ensure customer resilience, facilitating business continuity through targeted and timely financial measures aligned with client needs Deliver tailored, industry-specific financing and advisory to empower high-potential expansion while providing dedicated liquidity to facilitate sustainable recovery for transitioning groups SME loans increased YTD, driven by a selective lending strategy focused on existing customers in selective industries, aligning with government priorities.SME Loans Drive core lending strategies while maintaining flexibility to implement customized support measures and liquidity enhancements in response to shifting economic dynamics Focus on responsible lending for essential needs based on sound credit fundamentals to ensure long-term retail portfolio quality Retail portfolio contracted YTD, reflecting a prudent and selective lending strategy to prioritize asset quality amidst the gradual economic transition. Credit cards declined due to seasonality and absence of government-backed spending campaigns, while personal loans followed a similar trend under a prudent lending policy. Housing loans grew through sustained partnerships with top developers. Retail Loans Loan Definition: Corporate Loans: Loans of KBank and KBank’s Subsidiaries in Corporate Segments (annual sales turnover > Bt400mn) SME Loans: Loans of KBank and KBank’s Subsidiaries in SME Segments (annual sales turnover ≤ Bt400mn) Retail Loans: Loans of KBank and KBank’s Subsidiaries in Retail Segments Other Loans: Composed of loans through the World Business Group, insurance business (MTL), and other loan types not directly attributable to the main business groups Composition of Growth: Loans by Business Selective careful loan growth with prudent underwriting policy in line with economic conditions Loan Portfolio Loan Portfolio Structure Note: **From time to time, the Bank has adjusted loan definitions based on loan portfolio management; thus, the latest loan base is not comparable to previous reports. Other loans through the World Business Group are included. In 1Q26, WBG loans were Bt92bn, decreasing 4.6% YTD. Consolidated 1Q26 1Q26 Y2026 Dec 25 Mar 26 Loan Growth Yield Range Loan Growth Target (% ) (%) (%) Corporate Loans 1,010 991 (1.9% ) 3-5% -2% to 0% SME Loans 585 588 0.5% 5-7% -5% to 0% Retail Loans 776 770 (0.8% ) 5-7% 5% to 7% Other Loans 105 100 (4.4%) Total Loans** 2,477 2,449 (1.1% ) 4.8% 0% to 2% Amount (Bt bn) 4% 5% 4% 4% 4% 32% 31% 31% 31% 31% 30% 28% 25% 24% 24% 34% 36% 40% 41% 41% 2,495 2,490 2,484 2,477 2,499 0 400 800 1,200 1,600 2,000 2,400 2,800 2022 2023 2024r 2025 1Q26 (Bt bn) Corporate SME Retail Others 10 2022 2023 2024r 2025 1H25 1H26 1Q26 2Q26 NIM (%) 3.33 3.66 3.60 3.23 3.36 2.91 2.95 2.90 NIM - Credit Cost 1.22 1.58 1.69 1.60 1.74 1.34 1.35 1.30 Yield on Earnings Assets (%) 3.79 4.52 4.58 4.08 4.27 3.70 3.73 3.69 Yield on Loans (%) 4.97 5.84 5.83 5.16 5.35 4.68 4.77 4.72 Cost of Fund (% ) 0.62 1.17 1.34 1.19 1.26 1.07 1.07 1.07 Cost of Deposits (%), incl DPA 0.53 0.98 1.14 1.04 1.09 0.94 0.94 0.94 1H26 NIM was 2.91%. NIM declined in line with market conditions, mainly due to interest rate cuts throughout 2025 and in 1Q26, as well as a shift in loan structure reflecting the Bank’s strategic focus on asset quality improvement. High portion of CASA (82%) also helped support cost of fund. Yield on Earnings Assets Net Interest Margin June 2026 (Consolidated) NIM Yield on Earnings Assets and Cost of Fund Yield on Loans Cost of Fund Cost of Deposits* Note: Cost of deposits including contributions to the Financial Institutions Development Fund (FIDF) and Deposit Protection Agency (DPA). *The FIDF fee is temporarily reduce from 0.46% to 0.23% for 3 years, according to the BOT announcement in the Royal Gazette, during January 2020 to December 2022. 3.33 3.66 3.60 3.23 2.91 0 1 2 3 4 5 2022 2023 2024r 2025 1H26 (%) 0.53 0.98 1.14 1.04 0.94 0.62 1.17 1.34 1.19 1.07 3.79 4.52 4.58 4.08 3.70 4.97 5.84 5.83 5.16 4.68 0 2 4 6 8 2022 2023 2024 r 2025 1H26 (%)
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11 32.88 31.18 33.43 35.39 20.38 (-7%) (-5%) (+7%) (+6%) (+22% YoY) 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 0 10 20 30 40 50 2022 2023 2024r 2025 1H26 (Bt bn) Non-Interest Income Note: Net Fee Income - Non-Interest Income Ratio = Non-Interest Income/Total Operating Income - net - Net Fee Income Ratio = Net Fee Income / Total Operating Income - net - Net Premium Earned - net = Net Premium Earned less Underwriting Expense Composition of Growth: Net Fees and Non-Interest Income *Disclosed according to TFRS17 for insurance business, used to disclosed as Net premium earned –net; ** 2024 Total Operating Income Growth, Non-interest Income Growth, and Fee Income Growth are not restated * Total Operating Income - Net Non-Interest Income Ratio and Net Fee Income Ratio 1H26 non-interest income accounted for 36% of total net operating income and net fee income accounted for 21%. 1H26 non-interest income increased 30% YoY, mainly from stronger wealth management performance, improved insurance business performance, a large one-off income in 1Q26 and higher investment income. 1H26 net fee income increased 22% YoY, growth was supported by continued momentum in wealth management business, particularly mutual funds, reflects our ability to offer investment solutions aligned with customers' needs and market conditions. The Bank remains focused on growing fee income amid ongoing economic challenges and the impact of the new standardized fee regulations. ** June 2026 (Consolidated) * 23% 23% 25% 30% 36% 19% 16% 17% 18% 21% 0% 10% 20% 30% 40% 50% 2022 2023 2024r 2025 1H26 Non-interest income ratio Net Fee income ratio 77% 77% 75% 70% 64% 23% 23% 25% 30% 36% 173.26 192.65 198.24 194.80 99.24(+6%) (+11%) (+3%) (-2%) (+2%YoY) -50 0 50 100 150 200 250 2022 2023 2024r 2025 1H26 (Bt bn) Net interest income Non-interest income -32% -3% -22% 25% 25% 22%13% 27% 26% 26% 22% -0.3% -1% 0.1% 2% 3%0.3% -0.1% 2% 1% 2% 9% 8% 7% 6% 6% -8% -12% 82% 71% 67% 61% 57% 5% 7% 6% 6% 10% 40.26 44.21 50.24 57.65 35.86(-8%) (+10%) (+10%) (+15%) (+30%YoY) 0.0 10000.0 20000.0 30000.0 40000.0 50000.0 60000.0 70000.0 -20 0 20 40 60 80 100 2022 2023 2024r 2025 1H26 (Bt bn) Other Operating Income Fee and Service Income - net Net premium earned - net Dividend Income Share of profit/loss from investments on equity method Gain/Loss on investments Gain on financial instrument measured at FVTPL Insurance service result Net insurance finance expenses 12 1H26 cost to income ratio was 40.33%; improved YoY, driven by lower other operating expenses mainly from ongoing productivity improvements including workforce management initiatives and process improvement, and partly supported by the recognition of a large one-off income in 1Q26**. Maintain disciplined cost management and productivity focus 2022 2023 2024r 2025 1H25 1H26 1Q26 2Q26 Cost to Income Ratio (%) 43.15 44.10 42.50 43.56 41.82 40.33 38.93 41.7 3 Total Income Growth (% YoY) 6.07% 11.19% 2.75% (1.74%) (2.81%) 1.58% 0.85% 2.31% Other Operating Expenses Growth (%YoY) 5.22% 13.67% 2.71% 0.71% (0.86%) (2.02%) (3.85%) (0.26%) 6% 11% 3% -2% 2% 5% 14% 3% 1% -2%-5% 0% 5% 10% 15% 20% 25% 2022 2023 2024r 2025 1H26 Total Income Other Operating Expenses (%YoY) 43.15 44.10 42.50 43.56 40.33 0 10 20 30 40 50 2022 2023 2024r 2025 1H26 (%) Cost to Income Ratio Note: *2024 Total Income Growth and Other Operating Expenses Growth are not restated. **Compensation income from investment of Bt1,455mn in 1Q26 Cost to Income Ratio Total Income and Other Operating Expenses Growth * June 2026 (Consolidated) *
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11 32.88 31.18 33.43 35.39 20.38 (-7%) (-5%) (+7%) (+6%) (+22% YoY) 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 0 10 20 30 40 50 2022 2023 2024r 2025 1H26 (Bt bn) Non-Interest Income Note: Net Fee Income - Non-Interest Income Ratio = Non-Interest Income/Total Operating Income - net - Net Fee Income Ratio = Net Fee Income / Total Operating Income - net - Net Premium Earned - net = Net Premium Earned less Underwriting Expense Composition of Growth: Net Fees and Non-Interest Income *Disclosed according to TFRS17 for insurance business, used to disclosed as Net premium earned –net; ** 2024 Total Operating Income Growth, Non-interest Income Growth, and Fee Income Growth are not restated * Total Operating Income - Net Non-Interest Income Ratio and Net Fee Income Ratio 1H26 non-interest income accounted for 36% of total net operating income and net fee income accounted for 21%. 1H26 non-interest income increased 30% YoY, mainly from stronger wealth management performance, improved insurance business performance, a large one-off income in 1Q26 and higher investment income. 1H26 net fee income increased 22% YoY, growth was supported by continued momentum in wealth management business, particularly mutual funds, reflects our ability to offer investment solutions aligned with customers' needs and market conditions. The Bank remains focused on growing fee income amid ongoing economic challenges and the impact of the new standardized fee regulations. ** June 2026 (Consolidated) * 23% 23% 25% 30% 36% 19% 16% 17% 18% 21% 0% 10% 20% 30% 40% 50% 2022 2023 2024r 2025 1H26 Non-interest income ratio Net Fee income ratio 77% 77% 75% 70% 64% 23% 23% 25% 30% 36% 173.26 192.65 198.24 194.80 99.24(+6%) (+11%) (+3%) (-2%) (+2%YoY) -50 0 50 100 150 200 250 2022 2023 2024r 2025 1H26 (Bt bn) Net interest income Non-interest income -32% -3% -22% 25% 25% 22%13% 27% 26% 26% 22% -0.3% -1% 0.1% 2% 3%0.3% -0.1% 2% 1% 2% 9% 8% 7% 6% 6% -8% -12% 82% 71% 67% 61% 57% 5% 7% 6% 6% 10% 40.26 44.21 50.24 57.65 35.86(-8%) (+10%) (+10%) (+15%) (+30%YoY) 0.0 10000.0 20000.0 30000.0 40000.0 50000.0 60000.0 70000.0 -20 0 20 40 60 80 100 2022 2023 2024r 2025 1H26 (Bt bn) Other Operating Income Fee and Service Income - net Net premium earned - net Dividend Income Share of profit/loss from investments on equity method Gain/Loss on investments Gain on financial instrument measured at FVTPL Insurance service result Net insurance finance expenses 12 1H26 cost to income ratio was 40.33%; improved YoY, driven by lower other operating expenses mainly from ongoing productivity improvements including workforce management initiatives and process improvement, and partly supported by the recognition of a large one-off income in 1Q26**. Maintain disciplined cost management and productivity focus 2022 2023 2024r 2025 1H25 1H26 1Q26 2Q26 Cost to Income Ratio (%) 43.15 44.10 42.50 43.56 41.82 40.33 38.93 41.7 3 Total Income Growth (% YoY) 6.07% 11.19% 2.75% (1.74%) (2.81%) 1.58% 0.85% 2.31% Other Operating Expenses Growth (%YoY) 5.22% 13.67% 2.71% 0.71% (0.86%) (2.02%) (3.85%) (0.26%) 6% 11% 3% -2% 2% 5% 14% 3% 1% -2%-5% 0% 5% 10% 15% 20% 25% 2022 2023 2024r 2025 1H26 Total Income Other Operating Expenses (%YoY) 43.15 44.10 42.50 43.56 40.33 0 10 20 30 40 50 2022 2023 2024r 2025 1H26 (%) Cost to Income Ratio Note: *2024 Total Income Growth and Other Operating Expenses Growth are not restated. **Compensation income from investment of Bt1,455mn in 1Q26 Cost to Income Ratio Total Income and Other Operating Expenses Growth * June 2026 (Consolidated) *
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13 5.10 15.90 42.00 31.70 23.50 2.16 2.11 2.24 2.70 3.32 3.30 3.34 3.65 3.93 3.76 3.19 3.19 3.20 3.20 3.18 44 287 723 888 14 66 85 96 168 204 239 175 174 205 173 211 208 191 163 158 -100 100 300 500 700 900 0 10 20 30 40 1996 1997 1998 1999 2000 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 202 2 2023 2024r 2025 1H26 NPL ratio Credit cost 2.3 16.8 44.1 50.6 0.7 8.4 11.714.2 26.4 33.8 41.8 32.534.0 43.5 40.3 51.9 51.8 47.3 40.3 19.8 -1 9 19 29 39 49 (Bt bn) Coverage Ratio During 1997 Asian Crisis* During 1997 Asian Crisis* Asset Quality and Expected Credit Loss (Provision) (bps) Note: *Data in 1996-1997 is KBank only **NPL ratio in retail business, excluding 180 dpd (days past due) of credit card and consumer loans for peer comparison Expected Credit Loss (Provision) (%) During 1997 Asian Crisis* NPL was peak at 42.3% in 1Q99 NPL Ratio and Credit Cost Note: Provision referred to Impairment Loss on Loans and Debt Securities; from January 1, 2020 onwards based on TFRS9, provision refers to Expected Credit Loss NPL ratio remained stable at 3.18% in 1H26, while the coverage ratio increased to 174%. Credit cost was 158 bps, at the high end of the target range, reflecting a prudent buffer build-up to enhance resilience against uncertainties. Maintain prudent and cautious policy to safeguard against the highly volatile economic environment June 2026 (Consolidated) 34.725.430.034.2 48.8 131.8 134.5141.4 130.0 130.9 148.5 160.6 148.6149.2 159.1154.3152.2 152.3162.8 173.9 0 50 100 150 (%) NPL Ratio by Business 2019 2020 2021 2022 2023 2024 2025 1Q26 Corporate Business <2% <2% <2% <2% <2% <2% <2.5% <2.5% SME Business ~6% <7% <7% <7% <7% <6% <5.5% <5.5% Retail Business** ~4% <5% <5% <5% <5% <5% <4.0% <4.0% 14 ROA and ROE ROA ROE* Note: *ROE = Net profit (attributable to equity holders of the Bank) deduct dividend from other equity instruments after income tax divided by average equity of equity excluded other equity instruments June 2026 (Consolidated) 7.38 8.29 9.13 8.62 9.65 0 4 8 12 2022 2023 2024r 2025 1H26 (%) 0.86 0.99 1.15 1.11 1.22 0.0 0.5 1.0 1.5 2.0 2022 2023 2024r 2025 1H26 (%) 2022 2023 2024r 2025 1H25 1H26 1Q26 2Q26 ROA (% ) 0.86 0.99 1.15 1.11 1.21 1.22 1.29 1.16 ROE (% ) 7.38 8.29 9.13 8.62 9.33 9.65 10.05 9.11
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13 5.10 15.90 42.00 31.70 23.50 2.16 2.11 2.24 2.70 3.32 3.30 3.34 3.65 3.93 3.76 3.19 3.19 3.20 3.20 3.18 44 287 723 888 14 66 85 96 168 204 239 175 174 205 173 211 208 191 163 158 -100 100 300 500 700 900 0 10 20 30 40 1996 1997 1998 1999 2000 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 202 2 2023 2024r 2025 1H26 NPL ratio Credit cost 2.3 16.8 44.1 50.6 0.7 8.4 11.714.2 26.4 33.8 41.8 32.534.0 43.5 40.3 51.9 51.8 47.3 40.3 19.8 -1 9 19 29 39 49 (Bt bn) Coverage Ratio During 1997 Asian Crisis* During 1997 Asian Crisis* Asset Quality and Expected Credit Loss (Provision) (bps) Note: *Data in 1996-1997 is KBank only **NPL ratio in retail business, excluding 180 dpd (days past due) of credit card and consumer loans for peer comparison Expected Credit Loss (Provision) (%) During 1997 Asian Crisis* NPL was peak at 42.3% in 1Q99 NPL Ratio and Credit Cost Note: Provision referred to Impairment Loss on Loans and Debt Securities; from January 1, 2020 onwards based on TFRS9, provision refers to Expected Credit Loss NPL ratio remained stable at 3.18% in 1H26, while the coverage ratio increased to 174%. Credit cost was 158 bps, at the high end of the target range, reflecting a prudent buffer build-up to enhance resilience against uncertainties. Maintain prudent and cautious policy to safeguard against the highly volatile economic environment June 2026 (Consolidated) 34.725.430.034.2 48.8 131.8 134.5141.4 130.0 130.9 148.5 160.6 148.6149.2 159.1154.3152.2 152.3162.8 173.9 0 50 100 150 (%) NPL Ratio by Business 2019 2020 2021 2022 2023 2024 2025 1Q26 Corporate Business <2% <2% <2% <2% <2% <2% <2.5% <2.5% SME Business ~6% <7% <7% <7% <7% <6% <5.5% <5.5% Retail Business** ~4% <5% <5% <5% <5% <5% <4.0% <4.0% 14 ROA and ROE ROA ROE* Note: *ROE = Net profit (attributable to equity holders of the Bank) deduct dividend from other equity instruments after income tax divided by average equity of equity excluded other equity instruments June 2026 (Consolidated) 7.38 8.29 9.13 8.62 9.65 0 4 8 12 2022 2023 2024r 2025 1H26 (%) 0.86 0.99 1.15 1.11 1.22 0.0 0.5 1.0 1.5 2.0 2022 2023 2024r 2025 1H26 (%) 2022 2023 2024r 2025 1H25 1H26 1Q26 2Q26 ROA (% ) 0.86 0.99 1.15 1.11 1.21 1.22 1.29 1.16 ROE (% ) 7.38 8.29 9.13 8.62 9.33 9.65 10.05 9.11
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15 Resilient Capital Management to Enhance Capital Efficiency and Shareholder Returns Strategic uplift to medium-term CET1 for greater buffers amid uncertainty; Deliver sustainable TSR Prudent Capital Management Sustainable Shareholders Returns Plan Consistent with our prudent framework and aligned with industry peers Reflecting slower growth and delayed Basel III reform from 2026 to 2029 Financial Stability Investment for Growth • Strategic investments focus on capturing long-term sustainable returns • Reduce unprofitable assets to invest in areas with growth potential CET1 Ratio Target Medium-Term: ≥ 15% Aspiration: 13-15% • Prudent capital for business growth amid economic turbulence and new regulations (e.g. Basel III reforms *) • Sustaining a regular dividend payout ≥ 50%***, aiming at 50- 60% payout in medium term, and potential for additional capital distribution depending on market conditions, financial performance and capital level • Regular dividend of Bt12.00 in 2025 reflecting a 58% payout; additional special dividend of Bt2.00 in 2025; total dividend payout of 67% • Share buyback program starting from Nov 14, 2025, to May 13, 2026: Up to 2% of paid-up capital, utilizing up to Bt8.8bn of excess capital (Executed upon completion of the program: 0.77%, Bt3.48bn) Shareholder Returns 1H26 Medium-Term CET1 Target 17.0% ≥ 15% Excess Capital Allocation Minimum Required Capital** Investments & Capital Buffer Impact 1-2% from Basel III reforms* Note: *Impact from Basel III reform = 1-2%; Bank of Thailand has not yet announced detailed requirements of Basel III reform; thus, the actual impacts of Basel III may vary from projections . **Minimum CET1 = 8.0% (required CET1 4.5% + Conservation buffer 2.5% + D-SIBs buffer 1.0%) ***If facing an unforeseen circumstance, the Bank may consider not to pay at the above-mentioned level of dividend payout ratio by considering prudence and suitable return to shareholders. 16 15.86 16.47 17.41 18 16.95 0.97 0.97 0.96 0.38 0.401.97 1.97 1.98 1.97 1.89 16.84 17.44 18.37 18.38 17.35 18.81 19.41 20.35 20.35 19.24 0.0 3.0 6.0 9.0 12.0 15.0 18.0 21.0 2022 2023 2024r 2025 1H26 (%) 14.93 15.63 16.49 17.16 16.09 1.03 1.03 1.02 0.41 0.422.07 2.06 2.05 2.04 1.96 15.96 16.66 17.51 17.57 16.51 18.02 18.72 19.55 19.61 18.47 0.0 3.0 6.0 9.0 12.0 15.0 18.0 21.0 2022 2023 2024r 2025 1H26 (%) Bank Only KASIKORNBANK FINANCIAL CONGLOMERATE* Capital (Reported Number: Excluding Net Profit of Each Period) Capital adequacy remains sufficient through the changing economic environment and to support business growth; maintained adequate Tier 1 ratio, as required under the Basel III and new requirements. Under Bank of Thailand regulations, net profit in the first half of the year is to be counted as capital after approval by the Board of Directors as per the Bank’s regulations. Net profit in the second half of the year is also counted as capital after approval of the General Meeting of Shareholders. However, whenever a net loss occurs, the capital must be immediately reduced accordingly. Note: *KASIKORNBANK FINANCIAL CONGLOMERATE means the company under the Notification of the Bank of Thailand re: Consolidated Supervision, consisted of KBank, K Companies and subsidiaries operating in supporting KBank, Phethai Asset Management Co., Ltd. and other subsidiaries within the permitted scope from the BOT’s to be financial conglomerate. Basel III Basel III CET1 Tier2AT1 Tier1 CET1 Tier2AT1 Tier1 June 2026 (Consolidated) **2022 2023 2024r 2025 1H25 1H26 1Q26 2Q26 Bank only CAR (%), excluding net profit of each period 18.02 18.72 19.55 19.6 1 19.91 18.47 19.27 18.47 Tier 1 (%), excluding net profit of each period 15.96 16.66 17.51 1 7.57 17.86 16.51 17.26 16.51 KASIKORNBANK FINANCIAL CONGLOMERATE* CAR (%), excluding net profit of each period 18.81 19.41 20.35 20.3 5 20.66 19.24 19.95 19.24 Tier 1 (%), excluding net profit of each period 16.84 17.44 18.37 1 8.38 18.68 17.35 18.00 17.35
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15 Resilient Capital Management to Enhance Capital Efficiency and Shareholder Returns Strategic uplift to medium-term CET1 for greater buffers amid uncertainty; Deliver sustainable TSR Prudent Capital Management Sustainable Shareholders Returns Plan Consistent with our prudent framework and aligned with industry peers Reflecting slower growth and delayed Basel III reform from 2026 to 2029 Financial Stability Investment for Growth • Strategic investments focus on capturing long-term sustainable returns • Reduce unprofitable assets to invest in areas with growth potential CET1 Ratio Target Medium-Term: ≥ 15% Aspiration: 13-15% • Prudent capital for business growth amid economic turbulence and new regulations (e.g. Basel III reforms *) • Sustaining a regular dividend payout ≥ 50%***, aiming at 50- 60% payout in medium term, and potential for additional capital distribution depending on market conditions, financial performance and capital level • Regular dividend of Bt12.00 in 2025 reflecting a 58% payout; additional special dividend of Bt2.00 in 2025; total dividend payout of 67% • Share buyback program starting from Nov 14, 2025, to May 13, 2026: Up to 2% of paid-up capital, utilizing up to Bt8.8bn of excess capital (Executed upon completion of the program: 0.77%, Bt3.48bn) Shareholder Returns 1H26 Medium-Term CET1 Target 17.0% ≥ 15% Excess Capital Allocation Minimum Required Capital** Investments & Capital Buffer Impact 1-2% from Basel III reforms* Note: *Impact from Basel III reform = 1-2%; Bank of Thailand has not yet announced detailed requirements of Basel III reform; thus, the actual impacts of Basel III may vary from projections . **Minimum CET1 = 8.0% (required CET1 4.5% + Conservation buffer 2.5% + D-SIBs buffer 1.0%) ***If facing an unforeseen circumstance, the Bank may consider not to pay at the above-mentioned level of dividend payout ratio by considering prudence and suitable return to shareholders. 16 15.86 16.47 17.41 18 16.95 0.97 0.97 0.96 0.38 0.401.97 1.97 1.98 1.97 1.89 16.84 17.44 18.37 18.38 17.35 18.81 19.41 20.35 20.35 19.24 0.0 3.0 6.0 9.0 12.0 15.0 18.0 21.0 2022 2023 2024r 2025 1H26 (%) 14.93 15.63 16.49 17.16 16.09 1.03 1.03 1.02 0.41 0.422.07 2.06 2.05 2.04 1.96 15.96 16.66 17.51 17.57 16.51 18.02 18.72 19.55 19.61 18.47 0.0 3.0 6.0 9.0 12.0 15.0 18.0 21.0 2022 2023 2024r 2025 1H26 (%) Bank Only KASIKORNBANK FINANCIAL CONGLOMERATE* Capital (Reported Number: Excluding Net Profit of Each Period) Capital adequacy remains sufficient through the changing economic environment and to support business growth; maintained adequate Tier 1 ratio, as required under the Basel III and new requirements. Under Bank of Thailand regulations, net profit in the first half of the year is to be counted as capital after approval by the Board of Directors as per the Bank’s regulations. Net profit in the second half of the year is also counted as capital after approval of the General Meeting of Shareholders. However, whenever a net loss occurs, the capital must be immediately reduced accordingly. Note: *KASIKORNBANK FINANCIAL CONGLOMERATE means the company under the Notification of the Bank of Thailand re: Consolidated Supervision, consisted of KBank, K Companies and subsidiaries operating in supporting KBank, Phethai Asset Management Co., Ltd. and other subsidiaries within the permitted scope from the BOT’s to be financial conglomerate. Basel III Basel III CET1 Tier2AT1 Tier1 CET1 Tier2AT1 Tier1 June 2026 (Consolidated) **2022 2023 2024r 2025 1H25 1H26 1Q26 2Q26 Bank only CAR (%), excluding net profit of each period 18.02 18.72 19.55 19.6 1 19.91 18.47 19.27 18.47 Tier 1 (%), excluding net profit of each period 15.96 16.66 17.51 1 7.57 17.86 16.51 17.26 16.51 KASIKORNBANK FINANCIAL CONGLOMERATE* CAR (%), excluding net profit of each period 18.81 19.41 20.35 20.3 5 20.66 19.24 19.95 19.24 Tier 1 (%), excluding net profit of each period 16.84 17.44 18.37 1 8.38 18.68 17.35 18.00 17.35
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17 KASIKORNBANK FINANCIAL CONGLOMERATE Dividend Per Share and Dividend Payout Ratio Capital: Capital adequacy remains sufficient through the changing economic environment and to support business growth; maintained adequate Tier 1 ratio, as required under Basel III and new requirements. Dividend Policy: In determining dividend payments, the Bank will take into consideration its operating results as well as suitable sustainable long-term returns to shareholders. The Bank aims to pay not less than 25% dividend payout on consolidated net profit. However, if facing an unforeseen circumstance, the Bank may consider not paying at the above-mentioned level of not less than 25% of dividend payout ratio by considering prudence and suitable return to shareholders. Note: 1 KASIKORNBANK FINANCIAL CONGLOMERATE means the company under the Notification of the Bank of Thailand re: Consolidated Supervision, consisting of KBank, K Companies and subsidiaries operating in supporting KBank, Phethai Asset Management Co., Ltd. and other subsidiaries within the BOT’s permitted scope to be a financial conglomerate. CET1 Tier2AT1 Tier1 2.50 2.50 3.00 3.50 4.00 4.00 4.00 4.00 4.00 5.00 2.50 3.25 4.00 6.50 9.50 1.50 2.00 32.14% 27.00% 22.12% 22.32%22.51% 27.83% 26.96% 32.80%29.40%34.43% 23.73% 23.91% 28.75%38.43%46.63% 62.00% 29.85% 24.70% 20.36% 20.27% 20.74% 24.25% 23.83% 27.88% 24.89% 30.62%20.09% 20.61% 27.07%36.97% 46.05%57.81% -120.00% -100.00% -80.00% -60.00% -40.00% -20.00% 0.00% 20.00% 40.00% 60.00% 80.00% 0.00 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 18.00 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 202 5 Dividend Payment Interim Dividend Dividend Payout (Bank only) Dividend Payout (Consolidated) Special Dividend 2 2 The Bank and its subsidiaries have adopted new Thai Financial Reporting Standard (TFRS 17 Insurance Contracts) since January 1, 2025, onwards. Accordingly, the consolidated financial statements for 2024 have been restated for comparative purposes as if TFRS 17 had been applied since January 1, 2024. Dividend payout ratio for 2024 is based on net profit after restatement. 3 Year 2024 dividend payout, if special dividend of Bt2.50 per share is included, total dividend payment amounts to Bt12.00 per share, resulting in a dividend payout ratio of 58.17% on consolidated net profit. 4 Year 2025 dividend payout, if special dividend of Bt2.00 per share is included, total dividend payment amounts to Bt14.00 per share, resulting in a dividend payout ratio of 67.43% on consolidated net profit. Sustained Capital Strength with Steadily Rising Dividends Over Time 1 2.0042.503 12.00 June 2026 (Consolidated) 15.86 16.47 17.41 18 16.95 0.97 0.97 0.96 0.38 0.40 1.97 1.97 1.98 1.97 1.89 16.84 17.44 18.37 18.38 17.35 18.81 19.41 20.35 20.35 19.24 0.0 3.0 6.0 9.0 12.0 15.0 18.0 21.0 2022 2023 2024r 2025 1H26 (%) 18 Enhanced K-Strategy Execution to Deliver Resilient Performance and Reinforce Market Leadership 2025 Delivered Resilient Performance We rebalanced from quantity to quality, shifting toward secured lending and deepening our relationships with high-quality existing customers Achieved quality credit growth, sustained leadership in wealth and payments, and continued improvements to firmwide productivity Enter 2026 with an enhanced strategy focused on priority customer segments 3+1 & P strategy remains unchanged as we look to reinvigorate credit performance, scale capital light fee income, and strengthen sales & service models Resilient capital management for sufficient buffers amid macro uncertainties and upcoming Basel III requirements Remain Committed to Double-Digit ROE Disciplined execution of strategy expected to support resilient operating performance amid continued macro headwinds Double-digit ROE target maintained, albeit timing dependent on macroeconomic conditions Commitment to deliver consistent and sustainable TSR Reinforce Position as a Market Leader Driving force in Thailand’s economic development for the last 80 years, guided by a philosophy of being a Bank of Sustainability Leading market positions in numerous product and service areas, e.g. digital banking, wealth management, credit cards; with high levels of customer satisfaction Continued focus to keep our position as our customers’ main operating bank Strategy Execution Continues to be Top Priority in 2026
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17 KASIKORNBANK FINANCIAL CONGLOMERATE Dividend Per Share and Dividend Payout Ratio Capital: Capital adequacy remains sufficient through the changing economic environment and to support business growth; maintained adequate Tier 1 ratio, as required under Basel III and new requirements. Dividend Policy: In determining dividend payments, the Bank will take into consideration its operating results as well as suitable sustainable long-term returns to shareholders. The Bank aims to pay not less than 25% dividend payout on consolidated net profit. However, if facing an unforeseen circumstance, the Bank may consider not paying at the above-mentioned level of not less than 25% of dividend payout ratio by considering prudence and suitable return to shareholders. Note: 1 KASIKORNBANK FINANCIAL CONGLOMERATE means the company under the Notification of the Bank of Thailand re: Consolidated Supervision, consisting of KBank, K Companies and subsidiaries operating in supporting KBank, Phethai Asset Management Co., Ltd. and other subsidiaries within the BOT’s permitted scope to be a financial conglomerate. CET1 Tier2AT1 Tier1 2.50 2.50 3.00 3.50 4.00 4.00 4.00 4.00 4.00 5.00 2.50 3.25 4.00 6.50 9.50 1.50 2.00 32.14% 27.00% 22.12% 22.32%22.51% 27.83% 26.96% 32.80%29.40%34.43% 23.73% 23.91% 28.75%38.43%46.63% 62.00% 29.85% 24.70% 20.36% 20.27% 20.74% 24.25% 23.83% 27.88% 24.89% 30.62%20.09% 20.61% 27.07%36.97% 46.05%57.81% -120.00% -100.00% -80.00% -60.00% -40.00% -20.00% 0.00% 20.00% 40.00% 60.00% 80.00% 0.00 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 18.00 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 202 5 Dividend Payment Interim Dividend Dividend Payout (Bank only) Dividend Payout (Consolidated) Special Dividend 2 2 The Bank and its subsidiaries have adopted new Thai Financial Reporting Standard (TFRS 17 Insurance Contracts) since January 1, 2025, onwards. Accordingly, the consolidated financial statements for 2024 have been restated for comparative purposes as if TFRS 17 had been applied since January 1, 2024. Dividend payout ratio for 2024 is based on net profit after restatement. 3 Year 2024 dividend payout, if special dividend of Bt2.50 per share is included, total dividend payment amounts to Bt12.00 per share, resulting in a dividend payout ratio of 58.17% on consolidated net profit. 4 Year 2025 dividend payout, if special dividend of Bt2.00 per share is included, total dividend payment amounts to Bt14.00 per share, resulting in a dividend payout ratio of 67.43% on consolidated net profit. Sustained Capital Strength with Steadily Rising Dividends Over Time 1 2.0042.503 12.00 June 2026 (Consolidated) 15.86 16.47 17.41 18 16.95 0.97 0.97 0.96 0.38 0.40 1.97 1.97 1.98 1.97 1.89 16.84 17.44 18.37 18.38 17.35 18.81 19.41 20.35 20.35 19.24 0.0 3.0 6.0 9.0 12.0 15.0 18.0 21.0 2022 2023 2024r 2025 1H26 (%) 18 Enhanced K-Strategy Execution to Deliver Resilient Performance and Reinforce Market Leadership 2025 Delivered Resilient Performance We rebalanced from quantity to quality, shifting toward secured lending and deepening our relationships with high-quality existing customers Achieved quality credit growth, sustained leadership in wealth and payments, and continued improvements to firmwide productivity Enter 2026 with an enhanced strategy focused on priority customer segments 3+1 & P strategy remains unchanged as we look to reinvigorate credit performance, scale capital light fee income, and strengthen sales & service models Resilient capital management for sufficient buffers amid macro uncertainties and upcoming Basel III requirements Remain Committed to Double-Digit ROE Disciplined execution of strategy expected to support resilient operating performance amid continued macro headwinds Double-digit ROE target maintained, albeit timing dependent on macroeconomic conditions Commitment to deliver consistent and sustainable TSR Reinforce Position as a Market Leader Driving force in Thailand’s economic development for the last 80 years, guided by a philosophy of being a Bank of Sustainability Leading market positions in numerous product and service areas, e.g. digital banking, wealth management, credit cards; with high levels of customer satisfaction Continued focus to keep our position as our customers’ main operating bank Strategy Execution Continues to be Top Priority in 2026
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19 For Further Enquiries, Contact KASIKORNBANK Investor Relations: Investor Relations Team Tel (66) 2470 6900 to 1 Tel (66) 2470 2660 to 1 Email: IR@kasikornbank.com IR Website www.kasikornbank.com Investor Relations Disclosure Practice: Unreviewed/unaudited quarterly financial reports are released within 21 days from the end of each period Reviewed financial reports are released within 45 days from the end of the period for 1Q and 3Q; Audited financial reports are released within 2 months from the end of the period for 2Q and 4Q Following KASIKORNBANK’s Disclosure Policy and good governance practice, KBank maintains a "silent period" for 7 days prior to the unreviewed/unaudited earnings announcement. During this period, the Bank refrains from replying to questions or commenting on the earnings announcement and arranging one-on-one or group meetings with analysts and investors 20 DISCLAIMER: This document is intended to provide material information relat ing to investments or pr oducts in discussion and as a reference during the discussion, p resentation, or seminar only. It does not represent or constitute any advice, offer, contract, recommendation, or solicitation and should not be rel ied upon as such. In prepar ation of this document, KASIKORNBANK PUBLIC COMPANY LIMI TED (“KBank”) has made several crucial assumptions and relied on financial and other information av ailable from public sources a s of the date of this document. Therefore, KBank assumes no responsibility or liability and makes no representat ions or warrants with respect to the accuracy and/or completeness of the information described herein. Before making their own independent decision to make any investment or enter into any tr ansaction, the recipient of this information (“Recipient”) shall carefully review information relating to services or products of KBank, including but not li mited to economic and market s ituations and other factors pertaining to the transaction as posted on KBank’s website at URL www.kasikornbank.com and in other sources, and make their own investigation on all other information, document s prepared by other institutions , as well as consult with Recipients’ financial, legal, or tax advisors on each decision. The Recipient understands and acknowledges that the investment or execution of the transaction may be a transaction with low liquidity and KBank shall assume no liability for any loss, damage, or expense of any nature incurred by the Recipient arising out of such inv estment or execution of the tr ansaction. The Recipient also understands and acknowledges that the information so provided by KBank does not represent the expected yiel d or consideration to be received by the Recipient arising out of the investment or the execution of the transaction. Further, the Recipient should be aware that the transaction can be highly risky as markets are unpredictable and uncertain, and there may be inadequate regulations and safeguards available to the Recipient. KBank reserves the right to amend, either in whole or in part, t he information so provided herein at any time as it deems fit, and the Recipient ack nowledges and agrees with such amendments, accordingly. For any inquiry, or in the case of making a complaint, the Recipient may seek further info rmation from KBank at IR@kasikornbank.com, +(662) 470 6900 to 01, +(662) 470 2660 to 61. * The information herewith repr esents data in the Bank's consol idated financial statement s, some of the numbers and ratios are calculated before netting with KBank’s non-controlling interest.
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19 For Further Enquiries, Contact KASIKORNBANK Investor Relations: Investor Relations Team Tel (66) 2470 6900 to 1 Tel (66) 2470 2660 to 1 Email: IR@kasikornbank.com IR Website www.kasikornbank.com Investor Relations Disclosure Practice: Unreviewed/unaudited quarterly financial reports are released within 21 days from the end of each period Reviewed financial reports are released within 45 days from the end of the period for 1Q and 3Q; Audited financial reports are released within 2 months from the end of the period for 2Q and 4Q Following KASIKORNBANK’s Disclosure Policy and good governance practice, KBank maintains a "silent period" for 7 days prior to the unreviewed/unaudited earnings announcement. During this period, the Bank refrains from replying to questions or commenting on the earnings announcement and arranging one-on-one or group meetings with analysts and investors 20 DISCLAIMER: This document is intended to provide material information relat ing to investments or pr oducts in discussion and as a reference during the discussion, p resentation, or seminar only. It does not represent or constitute any advice, offer, contract, recommendation, or solicitation and should not be rel ied upon as such. In prepar ation of this document, KASIKORNBANK PUBLIC COMPANY LIMI TED (“KBank”) has made several crucial assumptions and relied on financial and other information av ailable from public sources a s of the date of this document. Therefore, KBank assumes no responsibility or liability and makes no representat ions or warrants with respect to the accuracy and/or completeness of the information described herein. Before making their own independent decision to make any investment or enter into any tr ansaction, the recipient of this information (“Recipient”) shall carefully review information relating to services or products of KBank, including but not li mited to economic and market s ituations and other factors pertaining to the transaction as posted on KBank’s website at URL www.kasikornbank.com and in other sources, and make their own investigation on all other information, document s prepared by other institutions , as well as consult with Recipients’ financial, legal, or tax advisors on each decision. The Recipient understands and acknowledges that the investment or execution of the transaction may be a transaction with low liquidity and KBank shall assume no liability for any loss, damage, or expense of any nature incurred by the Recipient arising out of such inv estment or execution of the tr ansaction. The Recipient also understands and acknowledges that the information so provided by KBank does not represent the expected yiel d or consideration to be received by the Recipient arising out of the investment or the execution of the transaction. Further, the Recipient should be aware that the transaction can be highly risky as markets are unpredictable and uncertain, and there may be inadequate regulations and safeguards available to the Recipient. KBank reserves the right to amend, either in whole or in part, t he information so provided herein at any time as it deems fit, and the Recipient ack nowledges and agrees with such amendments, accordingly. For any inquiry, or in the case of making a complaint, the Recipient may seek further info rmation from KBank at IR@kasikornbank.com, +(662) 470 6900 to 01, +(662) 470 2660 to 61. * The information herewith repr esents data in the Bank's consol idated financial statement s, some of the numbers and ratios are calculated before netting with KBank’s non-controlling interest.
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