KBank Subsidiaries and ASEAN Economic Strategy slide image

KBank Subsidiaries and ASEAN Economic Strategy

K KASIKORNTHAI Non-interest Income and Structure June 2020 (Consolidated) Non-interest Income to Average Assets ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Non-interest Income Structure (%) 4 3 2.36 2.18 1.88 1.79 2 1.40 (Bt bn) Other Operating Income 63.73 62.70 5 65 (+2%) (-2%) 1 - 4% 56.95 (-9%) 3% 57.80 (+2%) 3% ■Fee and Service Income - net 0 2016 2017 2018 55 2019 1H20* 45 Non-interest Income Ratio 61% Net Premium Eamed - net Dividend Income 66% 24.06 35 67% 64% (%) (-7% YoY) Share of Profit from Investments on Equity Method 60 25 3% 50 42 40 37 36 16% 40 30 9% 5% Gain on Investment 15 3% 3% 6% 4% 0.1% 70% 30 0.2% 0.3% 2% 6% 5% 0.1% 15% 20 6% 5 14% 13% 16% 15% 10 0.7% 0.1% 18% 1% Gain on financial instrument measured at FVTPL (Gain on Trading and FX transactions - old) -0.3% 0 -5 2016 2017 2018 2019 1H20* 2016 2017 2018 2019 1H20* 1H20 non-interest income dropped 7% YoY, mainly from net fee income dropped from loan related fee recognition according to TFRS 9, card business, and a decrease in insurance business 2016 2017 2018 2019 Non-interest Income (Bt bn) 63.73 62.70 56.95 Non-interest Income Growth (%YoY) 1.96% (1.62%) (9.17%) 57.80 1.51% 1H19 25.88 1H20 1Q20** Non-interest Income Ratio (%) 41.54 39.97 36.62 36.02 33.65 24.06 (17.46%) (7.00%) 30.37 9.97 (18.55%) 26.20 2Q20 14.09 3.36% 34.23 Note: - Non-interest Income Ratio = Non-interest Income/Total Operating Income - net Net Premium Earned - net = Net Premium Earned less Underwriting Expense *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. - The Bank and its subsidiaries have adopted TFRIC 13: Customer Loyalty Programmes since January 1, 2014 onwards บริการทุกระดับประทับใจ 63 K KASIKORNTHAI Net Fee Income June 2020 (Consolidated) (Bt bn) Net Fee Income ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Net Fee Income to Net Total Operating Income (%) 30 25% 26% 25% 23% 21% 38.94 41.31 38.12 36.74 40 30 20 20 | 16.90 10 10 0 2016 2017 2018 2019 1H20* 0 2016 2017 2018 2019 1H20* 1H20 net fee income dropped 5.48% YoY, mainly from loan-related fee recognition according to TFRS 9 and fee from card business Net fee income to net total operating income was 21.33% in 1H20 Fee Income (Bt bn) Fee Income-net (Bt bn) Fee Income Growth (%YoY) Net Fee Income Growth (%YoY) Net Fee Income to Net Operating Income Ratio (%) Note: 2016 2017 2018 2019 1H19 1H20 1Q20** 2Q20 48.63 51.76 51.19 50.58 24.58 23.27 38.94 41.31 38.12 36.74 17.88 16.90 12.34 8.85 10.93 8.05 4.78% 6.43% 3.78% 6.07% 25.39 26.33 (1.10%) (1.19%) (7.72%) (3.61%) 24.52 22.89 (5.31%) (5.35%) (9.62%) (5.48%) 23.25 21.33 1.53% (12.08%) 1.38% (12.02%) 23.26 19.54 - On the consolidated basis, Bancassurance fees are not included in net fee income since November 30, 2009, due to the elimination of inter-company transactions (the accounting treatment from the Muang Thail Group Holding consolidation) *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). บริการทุกระดับประทับใจ 64
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