KASIKORNTHAI Regulatory Capital and Financial Performance Update
K
KASIKORNTHAI
Asset Quality
September 2023 (Consolidated)
NPL Ratio
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Coverage Ratio
Classified Loans*
(%)
(%)
5
200
4
3.65
3.93 3.76
148.60 149.19
159.08 154.26 154.90
3.19 3.11
150
3
100
Total
(Bt bn)
Stage 1 Performing
Stage 2 Under-performir
Stage 3 Non-performing 106
2,438
2021
2022
1Q23 2Q23 3Q23
2,130 2,230 2,211 2,192
202
188
181
2,186
179
179
93
89
94
87
2,511
2,481 2,465
2,452
2
1
50
0
0
2019 2020 2021 2022 9M23
2019 2020 2021 2022 9M23
NPL ratio in 9M23 was at 3.11%, with a coverage ratio of 154.90%.
Asset quality is manageable with prudent policy and focus efforts.
2019
2020
2021
2022
9M22
9M23
1Q23
2Q23
3Q23
NPL Ratio (%)
3.65
3.93
3.76
3.19
3.07
3.11
3.04
3.20
3.11
Coverage Ratio (%)
148.60
149.19
159.08
154.26
148.74
154.90
156.68
147.31
154.90
SML to Total Loans Ratio (%)*
2.80
Loans with significant increase in credit risk (%)
7.80
7.27
6.47
6.52
6.19
6.25
6.15
6.19
Note: * Loans to customers and accrued interest receivables: Under TFRS 9, the classified loans are defined by 3 stages based on incremental risks, which cannot directly compare with
the previous number these were defined by days past due.
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Expected Credit Loss and Credit Cost
September 2023 (Consolidated)
Impairment Loss of
Loans and Debt
Securities
Expected Credit Loss
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Credit Cost
(Bt bn)
(bps)
60
51.92
50
43.55
40.33
350
38.27
40
34.01
300
205
211
207
250
30
174
173
200
20
150
100
10
0
50
0
2019
2020
2021
2022
9M23
2019
2020
2021
2022
9M23
79
2023 credit cost will remain high, and may slightly exceed the target range, but stay within 210 bps, due to ongoing
proactive asset quality cleanup efforts, and a one-time deterioration in a large corporate loan.
Expected Credit Loss (Bt bn)
2019
34.01
2020
43.55
2021
40.33
2022
51.92
9M22
9M23
1Q23
29.14
38.27
12.69
2Q23
12.78
3Q23
12.79
(Impairment Loss of Loans and Debt Securities)
Credit Cost (bps)
174
205
173
211
159
207
205
208
209
บริการทุกระดับประทับใจ
80
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