KASIKORNBANK Financial Overview
K
EXCELLENCE
Loan by Retail Products
March 2013 (Consolidated, TFRS 8: Operating Segments*)
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK.
Loan by Retail Products
(Amount in Bt bn)
Dec 12** Y2012
Loan
Mar 13
YTD
% Portion
Loan
to
Growth
Growth Total Loan
(%)
(%)
Housing Loans
Credit Cards
Consumer Loans
KLeasing
203
10.1
205
0.7
15.1
54
27.7
51
(5.4)
3.8
37
38.7
39
4.4
2.9
83
29.8
84
1.8
6.2
** December 2012 loan base is not comparable with previous reports, due to customer migration to larger segments and changes to comply with TFRS 8
Loan Definition (TFRS 8: Operating Segments)
Housing Loans: KBank's housing loans to retail customer segments
Credit Cards: KBank's credit card loans to all eight customer segments
Consumer Loans: KBank's consumer loans to retail customer segments
KLeasing: KLeasing's loans to all eight customer segments
Note: *Since 1Q13, as per the Bank of Thailand's requirement, the Bank has complied with TFRS 8 (Operating Segments) to present operating results for each key segment in financial reports
บริการทุกระดับประทับใจ
53
K
EXCELLENCE
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Loan Portfolio Breakdown by Industry, Currencies, and Interest Rate
Consolidated
Loan Portfolio by Industry (March 2013)
By Top 20 Borrowers (March 2013)
(Bt bn)
1,600 1
1,356
1,327
1,400-
1,211
13.1%
14.2%
1,200-
1,077
11.6%
Others
942
1,000
11.4%
16.0%
15.8%
16.0%
Housing Loans
10.9%
15.5%
13.0%
12.9%
Utilities & Services
800- 14.0%
12.4%
10.7%
6.5%
6.5%
6.2%
10.8%
5.7%
600
6.3%
Real Estate & Construction
Manufacturing & commerce
Agricultural and mining
400-
54.3%
51.2%
48.9%
48.2%
55.4%
200
2.7%
2.5%
2.5%
2.4% 1
2.4%
0
2009
2010
2011
2012
1Q13
Top 20 Borrowers
5.45%
By Currencies (December 2012)*
US Dollar Other Currencies
5.77%
0.85%
Thai Baht
93.38%
Definition of Loans
1) by industry Gross loans Loans to customers less deferred revenue
2) by top 20 borrowers = Loans excluding the wholly-owned subsidiaries of KBank and Phethai Asset
Management Company
3) by currency = Loans to customers and AIR - net
4) by maturity of interest repricing = Loans to customers less deferred revenue
Note: *The information on loans breakdown by currencies and maturity of interest repricing are disclosed on half year basis
By Maturity of Interest Repricing (December 2012)*
6 months and over
16.2%
< 6 months
Other
11.9%
Immediate Repricing
61.0%
บริการทุกระดับประทับใจ
10.9%
54View entire presentation