KBank Subsidiaries and ASEAN Economic Strategy
K
KASIKORNTHAI
Composition of Growth: Loans by Business
Moderate loan growth momentum in line with full-year target
Loan Portfolio Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Original Loan Growth Target (%)
Announced on 24 October 2019
(No longer applicable)
Loan Portfolio
Bt bn
2,400
Consolidated
1,803
1,914 2,002
2,127
1,698
Corporate
Amount (Bt bn)
Dec 19
1H20
1H20
2020
Jun 20
Loan Growth Yield Range
2,000
-
1,600
36%
34%
36%
(%YTD)
(%)
Loan Growth Target (%)
(No longer applicable)
■ SME
30% 35%
Corporate Loans
691
777
12.4%
3-5%
2-4%
1,200
SME Loans
672
721
7.3%
Retail
5-7%
1-3%
349
800
399
369
35%
34°
Retail Loans
556
570
2.6%
5-7%
9-11%
Others
400
25%
24%
25%
28%
27%
Other Loans
6%
5%
0
4%
4%
3%
Total Loans
83
2,002
59
2,127
(29.4%)
6.2%
4.9%
4-6%
2016 2017 2018 2019 1H20
1H20
Note: * From time to time, the Bank has adjusted loan definitions based on loan portfolio management; thus, the latest loan base is
not comparable with previous reports.
2020 Outlook
Corporate
Loans
■ Mainly from Commerce Consumer and Communication Industries
SME
Loans
Retail
Loans
■ Loan growth corresponded with slow pace of global and local
economies. The bank assisted and supported customers' liquidity
needs where appropriate, with a prudent approach
■ Retail loans grew mainly from Home Loans and Personal Loans
■ Credit Card fell due to seasonality amid loan repayments for tax-
saving funds purchased last year-end and low spending impact
from COVID-19
Loan Definition (more details on loans can be found in App. Page 68-70)
■ Support clients affected by economic slow down due to COVID-19 outbreak
■ Both long-term and short-term loans are still in demand from big corporates
■ Global trade and the geopolitical situation remain uncertain; local government spending and
public investment will be the major drivers. Lending should organically grow with prudent
consideration while still meeting customers' funding needs and aligning with any further
government measures
Support customers in need of financial services to cope with rapid economic change
■ Apply data analytics to enhance predictive model and credit process in order to lend
intelligently with acceptable risk via traditional and digital channels
■ Organic growth target in-line with industry; lending thru data analytics and offers via assisted
and unassisted channels to support financial solutions for all life stages where most relevant
to customers' lifestyles and needs; maintain lead market position in key products
▪ Focus on new potential target customers with acceptable risk; predictive monitoring and
strict control of loan portfolio quality
Corporate Loans: Loans of KBank and KBank's Subsidiaries in Corporate Segments (annual sales turnover > Bt400mn)
SME Loans: Loans of KBank and KBank's Subsidiaries in SME Segments (annual sales turnover ≤ Bt400mn)
Retail Loans: Loans of KBank and KBank's Subsidiaries in Retail Segments
Other Loans: Loans in Enterprise Risk Management Division (NPL + Performing Restructured Loans) and other loan types
บริการทุกระดับประทับใจ
13
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Composition of Growth: Net Fees and Non-interest Income
June 2020 (Consolidated)
Total Operating Income - net
Non-interest Income Ratio and Net Fee Income Ratio
(Bt bn)
200153.40
156.86 155.48 160.49
(+4%) (+2%) (-1%)
(%)
50
(+3%)
42%
40%
37%
150-
79.23
40
36%
37%
36%
42%
40%
100-
1(+3% YOY) 30
25%
25%
25%
1 30%
23%
21%
30%
20
50
64%
58%
60%
63%
I 70%
10
0
0
2016
2017
2018
2019
1H20*
2016
2017
Non-interest Income Ratio
2018
2019
1H20*
■Net Fee Income Ratio
Net Interest Income
Non-interest Income
Non-interest Income
Net Fee Income
n ០ ៣៩ ៦ ឆ៩ឥ៩ឌខទ –
(Bt bn)
70
63.73
(+2%)
62.70
(-2%)
Other Operating Income
56.95
57.80
4%
(Bt bn)
(-9%)
(+2%)
Fee and Service Income - net
40
38.94
(+4%)
41.31
(+6%)
38.12
(-8%)
36.74
(-4%)
Net Premium Earned - net
35
66%
67%
61%
64% 24.06
30
Dividend Income
(-7% YoY)
20
16.90
5.48% YoY)
16%
5%
Share of Profit from Investments on Equity Method
9%
0.3% 3%
6% 0.1
0.1% 4%
70%
15%
10 9.2%
10
6%
14%
13%
16%
15%
-5
2016 2017 2018 2019
0.7%
8% 0.1%
18% 1%
1H20*
Gain
Investment
0
2016
2017 2018 2019
1H20*
-Net Fee Income Ratio = Net Fee Income / Total Operating Income - net
■1H20 non-interest income
accounted for 30% of total net
operating income and net fee
income accounted for 21%;
non-interest income decreased
7% YoY, mainly from net fee
dropped, and a decrease in
insurance business
■Net fee income dropped 5.5%
YoY, mainly due to loan-related
fee recognition according to
TFRS 9 and fee from card
business
Gain on financial instrument measured at FVTPL
(Gain on Trading and FX transactions-Old)
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.
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