KBank Subsidiaries and ASEAN Economic Strategy
K
KASIKORNTHAI
Asset Quality and Expected credit loss (Provision)
June 2020 (Consolidated)
Expected credit loss (Provision)
During 1997
(Bt bn)
Asian Crisis*
54
48
42
36
30
24
16.8
18
12
6
2.3
0
44.1
50.6
14.2
11.7
9.4
6.7 7.3 8.4
0.7
26.4
Coverage Ratio
I
(%)
During 1997
Asian Crisis*
150
I
33.8
34.0
32.5
32.1
100
41.8
48.8
50 34.7
25.4 30.0 34.2
0
141.4
127.1 131.8 134.5
111.0
88.4 91.6.
130.0 130.9
160.6
148.5
148 € 155.7
1996 1997 1998 1999 2000 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 20191H20"*
1996 1997 1998 1999 2000 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 20191H20**
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
During 1997 Asian Crisis*
(%)
42.0
888
5050525050
45
40
723
35
31.7
30
23.5
NPL was peak at
287/42.3% in 1Q99
15
15.9
10
44
5.1
NPL Ratio and Credit Cost
INPL ratio
Credit Cost
(bps)
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Asset quality remains manageable
NPL ratio in 1H20 was at 3.92%, with
a coverage ratio of 155.68%
1H20 credit cost was 311 bps
■Adhere to a prudent financial policy;
economic downturn from COVID-19
outbreak
■COVID-19 significantly impacts asset
quality; however, relief measures help
reduce short-term impact to asset
quality. NPL can stay at not too high
900 level for now. The Bank has to
700 prepare for the end of relief measures
500
168 204
239
311
93
102
3.09 3.76 2.91
66
64
66
85
96
175
174
300 NPL Ratio by Business
2.45
14
2.16
2.11
2.24
2.70
3.32 3.30
3.34
3.65 3.92
100 Corporate Business
SME Business
-10
1996 1997 1998 1999 2000 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 1H20**
Retail Business***
2015 2016 2017 2018 2019 1H20
<2%
<2% <2% <2%
<2% <2%
-3% -5% -5% -5% -6% <7%
-2% 4% 4%
<5%
-4% -4%
** The Bank and its subsidiaries have adopted new accounting standards (TFRS 9: Financial Instruments) since January 1, 2020 onwards, some financial statements and financial ratios are not comparable
with previous years' financial figures, which were based on the prior accounting standards (non-TFRS9).
*** NPL ratio in retail business, excluding 180 dpd (days past due) of credit card and consumer loans for peer comparison
Notes: * Data in 1996-1997 is KBank only
K
KASIKORNTHAI
ROA and ROE
June 2020 (Consolidated)
ROA
บริการทุกระดับประทับใจ
ROE
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
(%)
(%)
24
2.5
20
2.0
16
1.49
13.23
1.5
1.20 1.27 1.20
12
10.24 10.61
9.9
1.0
8
0.56
4.72
0.5
4
0.0
2016
2017 2018
2019 1H20*
2016
2017
2018
2019 1H20*
ROA (%)
ROE (%)
115
15
2016
2017
2018
2019
1H19
1H20
1.49
1.20
1.27
1.20
1.25
0.56
0.87
1Q20** 2Q20
0.25
13.23
10.24
10.61
9.90
10.35
4.72
7.26
| 2.15
Note: * The Bank and its subsidiaries have adopted new accounting standards (TFRS 9: Financial Instruments) since January 1, 2020 onwards, some financial statements and financial ratios
are not comparable with previous years' financial figures, which were based on the prior accounting standards (non-TFRS9).
** The Bank restated the 1Q20 financial statements from the reclassification of investment in fund/ REIT to investments in FVOCI to comply with the Federation of Accounting Professions'
announcement on 25 June 2020 and reclassification some items which did not impact to total assets, total liabilities and total equity.
บริการทุกระดับประทับใจ
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