KASIKORNBANK Financial Overview

K EXCELLENCE Summary ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK ■Customer-centric strategy effectively executed on new IT business capabilities: the data-mining, analytic campaign management, and multi-channel of sales and services platforms has already enhanced our capability to quickly acquire new customers; the result is a top-notch total customer experience and strong market positions ■Balanced growth: loans to grow in-line with economic expansion; appropriate liquidity maintained; asset quality sustained with slightly higher credit costs reflecting countercyclical provision policy, and high loan loss reserves; strong non-interest income growth; stable cost to income ratio; strong ROE maintained ■ Adequate capital: Above 10% Tier 1 ratio based on Basel III consolidated basis K EXCELLENCE บริการทุกระดับประทับใจ Appendix ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK 17 บริการทุกระดับประทับใจ 18

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