KASIKORNTHAI Regulatory Capital and Financial Performance Update
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORN BANK
Deposits Growth and Loans to Deposits Ratio
September 2023 (Consolidated)
Deposits
Loans to Deposits Ratio
(Bt bn)
3,000
2,599
2,749
2,681
100%
2,345
96.6%
2,400
95.7%
2,072
95%
93.2%
1,800
90.8%
90.9%
1,200
90%
600
0
85%
2019
2020
2021
■Deposits
2022
9M23
2019
2020
2021
Loans to Deposits
2022
9M23
Deposits and Loans to Deposits Ratio is in line with peers.
Deposits (Bt bn)
Deposits (% YoY)
Deposits (% YTD)
2018 2019 2020 2021 2022
1,995 2,072 2,345 2,599 2,749
6.2% 3.9% 13.2% 10.8% 5.8%
6.2% 3.9% 13.2% 10.8% 5.8%
9M22
9M23
1Q23
2,660
2,681
Loans to Deposits Ratio (%)
5.1% 0.8%
2.4% (2.5%)
95.9% 96.6% 95.7% 93.2% 90.8% 92.7%
2,713
3.0%
2Q23 3Q23
2,709 2,681
1.4%
(1.3%) (1.4%) (2.5%)
0.8%
90.9%
90.9%
90.4%
90.9%
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Funding Structure and Interest Rate Movement
September 2023 (Consolidated)
Funding Structure
Deposit Structure
83
(Bt bn)
3,200
2,236
2,502
2,889
2,972
2,946
(Bt bn)
I
2,800
2,599
6%
6%
6%
2,345
2,800
2,400
2,072
2.681
2,749
18% I 20%
3%
3%
18%
2,400
2%
3%
4%
2,000
20%
23%
2,000
3%
4%
1,600
1,600
76%
74%
1,200
76%
1,200
800
93%
94%
90%
92%
91%
800
71%
74%
CASA
= 80%
400
400
0
0
6%
6%
6%
6%
2019
2020
2021
2022
9M23
2019
2020
2021
2022
6%
9M23
Deposits
ST and LT Borrowings
Current
■ Savings
Term
Interbank and Money Market
KBank Interest Rate Movement (Retail customers)
Deposit rates (%) (October 4, 2023)
ST and LT Borrowings
(%)
8.00
Savings
0.30
(Bt bn)
7.00
103
Fixed 3M-12M
1.05-1.70
125
90
6.00
82
5.00
Fixed 24M-36M
2.15-2.30
100
69
68
4.00
75
Lending rates (%) (October 4, 2023)
99%
87%
84%
3.00
50
97%
100%
MLR
7.27
2.00
25
16%
1%
1.00
13%
3%
MOR
7.59
0
0.00
2019
2020
2021
MRR
7.30
2016 2017 2018 2019 2020 2021 2022 10M23
■ST Borrowing
B/E & Others
2022
LT Borrowing
9M23
MLR
Savings
-Fixed3M
บริการทุกระดับประทับใจ
84
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