KASIKORNBANK Financial Overview

K EXCELLENCE ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Funding Structure and Interest Rate Movement March 2013 (Consolidated) Funding Structure Deposit Structure (Bt bn) 1,600 1,368 1,228 1,654 11% 1,645 8% 1,600 (Bt bn) 1,391 1,428 1,400 4% 5% 5% 1,242 1,101 1,100 3% 5% 1,200 1,200 7% 975 34% 33% 4% 39% 1,000 32% 7% 800 39% 800 87% 91% 600 84% 90% 60% 61% 89% 400 62% 55% 400 55% 200 0 6% 6% 5% 6% 6% 0 2009 2010 2011 2012 1Q13 2009 2010 2011 2012 1Q13 8 (%) Deposits ST and LT Borrowings Interbank and Money Market KBank Interest Rate Movement (Retail customers) Current ■Savings ST and LT Borrowings Term Deposit and Bill of Exchange Rates (April 30, 2013) (Bt bn) 120 Savings 0.75 95 6 Fixed 3M-12M 1.60-2.45 89 85 79 72 Fixed 24M-36M 2.55 80 34% 4 B/E 14D-1M 1.60-1.90 53% 78% 45% 79% 2 Lending rates (Oct 24, 2012) 40 59% 51% MLR 7.00% 47% 0 22% 21% 2007 2008 2009 2010 MLR Savings 2011 Fixed 3M 2012 Apr13 MOR 7.48% 7% 4% 0 MRR 8.10% 2009 2010 2011 2012 1Q13 ST Debentures B/E & Others LT Borrowing บริการทุกระดับประทับใจ K EXCELLENCE Long-term Senior/Subordinated Debentures ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Issued Date Name Type Embedded Option Amount Maturity (Years) Interest Rate (Per annum) USD500mn* 5.5 3.0% 20/09/2012 Senior Unsecured Debenture Unsecured Interest Payment period Credit Rating Semi-annually A3 by Moody's BBB+ by S&P and BBB+ by Fitch Ratings 59 15/02/2012 Subordinated debentures of Unsecured KASIKORNBANK PCL No.1/2555 22/06/2010 Subordinated debentures of Unsecured KASIKORNBANK PCL Callable after 5 years Callable after Bt22,000mn 10 4.5% Quarterly AA- (tha) by Fitch Ratings and axA by S&P Bt7,500mn 10 4.5% Quarterly AA- (tha) by Fitch Ratings No. 1/2553 5 years 17/07/2009 Subordinated debentures of Unsecured KASIKORNBANK PCL No.1/2552 19/12/2008 Subordinated debentures of KASIKORNBANK PCL Unsecured No.1/2551 Callable after 5 years Callable after 5 years Bt600mn 10 Year 1-3: 4.85% Year 4-7: 5.25% Year 8-10: 5.75% Quarterly AA- (tha) by Fitch Ratings Bt17,000mn 10 Year 1-3: 5.25% Year 4-7: 5.75% Year 8-10: 6.50% Quarterly AA- (tha) by Fitch Ratings 21/08/1996 Subordinated debentures of Unsecured USD183.31mn 20 8.25% Semi-annually BBB by S&P KASIKORNBANK PCL Note: *The issued noted is drawn down from the Bank's USD2.5bn Euro Medium Term Note Programme บริการทุกระดับประทับใจ 60 60

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