KASIKORNBANK Financial Overview
K
EXCELLENCE
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
MTL Investment Portfolio and Insurance Premium
MTL Investment Portfolio:
Fixed Income accounted for around 80%
MTL Total Premium:
Growth continues to outpace the industry
Total Premium
MTL
Industry
Growth
(% YOY)
14.9
Y2010
38%
14%
8.4
Y2011
28%
11%
6.5
Y2012
29%
19%
1Q13
31%
20%
1Q13
(bn)
Debenture
22%
Stock
816
Note
8%
40
Gov & SIE Bond
52%
Policy Loan
4%
BOOOO
60
48.9
50
37.9
29.6
27.2
30
21.5
21.7
20
16.5
16.4
13.1
10
0
Unit Trust
3%
2010
2011
2012
Mortgage Loan
1%
Deposit
1%
First Year and Single Premium Renewal Premium Total Premium
Investment Property
Source: The Thai Life Assurance Association
Total Investment (1Q13): Bt155.7bn
1%
Total Premium by Products:
Ordinary product accounted for around 90%
III
100%
80%
60%
40%
20%
0%
2010
Ordinary
2011
Industrial
2012
1Q13
Personal Accident ■ Group
Total Premium by Channels: Bancassurance accounted for over 70% in 1Q13
with an increasing proportion
100%
80%
60%
40%
20%
0%
2010
2011
2012
1Q13
■Agents ■Bancassurance Direct Marketing Other
บริการทุกระดับประทับใจ
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ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
EXCELLENCE
MTL's Life Insurance Product Profile
Four Major Types of Life Insurance Product
■Ordinary Life Insurance Products: Provide life protection for a fixed amount to an insured person
Can be further classified into four sub-categories;
➤ Endowment Life Insurance: Savings type product; insured person receives an amount at the certain period of
time or a designated beneficiary receives death benefits upon the death of the insured person within the insured
period (e.g. Pro Saving products)
Term Life Insurance: provides temporary protection with no savings component. Claim can be made upon death
within the stated term period (e.g. MRTA products)
Whole Life Insurance: provides life time protection (to the age of 90 or 99) with the death benefit paid to the
beneficiary upon the death of the insured (e.g. Pro Life products)
Rider: additional coverage desired by the insured (sample of additional coverage: medical expense, accident)
■Group Life Insurance Products: term insurance covering a group of people, usually employees of a company or
members of a union or association
■Industrial Insurance Products: life insurance with a modest amount of coverage, low premium, and no health check
requirement
Personal Accident: a limited life insurance designed to cover the insured in case of personal accident
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