KASIKORNBANK Financial Overview

K EXCELLENCE Net Premium Earned - net March 2013 (Consolidated) Net Premium Earned and Underwriting Expenses 50 (Bt bn) 40 29.09 30 25.22 20 20 10 47.52 40.19 37.12 I 31.71 I 2.20 1.94 2009 2010 2011 Net Premium Earned 2012 20 (Bt bn) 15 10 ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Net Premium Earned - net 7.33 14.10 11.87 5 5.41 3.87 0.26 0 1Q13 2009 2010 2011 Underwriting Expenses 2.23 2012 1Q13 Net Premium Earned - net Net Premium Earned - net = Net Premium Earned less Underwriting Expense 2009 2010 2011 2012 1Q12 1Q13 4Q12 1Q13 Net Premium Earned (Bt bn) Underwriting Expenses (Bt bn) 2.20 29.09 37.12 47.52 10.93 14.10 11.21 14.10 1.94 25.22 31.71 40.19 9.10 11.87 9.67 11.87 Net Premium Earned - net (Bt bn) 0.26 3.87 5.41 7.33 1.83 2.23 1.55 I 2.23 Net Premium Earned - net (% Growth YoY) n.a. n.a. 39.84 35.41 61.18 22.17 33.81 i 22.17 Note: KBank acquired additional ordinary shares in MTGH, to hold a 51% stake valued at Bt7,529mn; the MTGH Acquisition was completed on November 30, 2009. As the MTGH acquisition was completed on November 30, 2009, the Bank's consolidated financial statements from 2010 include the performance of companies in the MTGH Group for the whole year. บริการทุกระดับประทับใจ K EXCELLENCE Other Operating Expenses March 2013 (Consolidated) Other Operating Expenses Structure (Bt bn) 50 46.93 43.02 Others 40 38.00 25% 25% 27% 0.2% 88,2% Directors' remuneration 30 7% 0.3% 7% 21% | 22% 20 23% Taxes & Duties I 11.49 10 46% Premises & Equipment 46% 43% 23% 8% 0.1% 21% 47% 0 Employee's expenses ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK 2010 2011 2012 1Q13 In 1Q13, other operating expenses dropped 16.18% QoQ; the majority came from the seasonal decrease in promotion, advertising, and marketing expenses, as well as employee expenses 2009 Other Operating Expenses (Bt bn) 31.34 % Growth (YoY) 2010 38.00 2011 2012 1Q12 1Q13 4Q12 1Q13 43.02 46.93 10.26 11.49 13.71 11.49 n.a. 21.27 13.20 9.10 0.23 11.97 10.34 11.97 บริการทุกระดับประทับใจ 49 50

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