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).
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