KASIKORNBANK Strategic Acquisition
k
KASIKORNTHAI
Net Fee Income
March 2022 (Consolidated)
Net Fee Income
(Bt bn)
38.12
36.74
33.00
35.32
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Net Fee Income to Net Total Operating Income
(%)
30
26%
25%
23%
21%
22%
20
8.83
10
40
30
20
10
0
2018
2019
2020
2021
1Q22
0
2018
2019
2020
2021
1Q22
■1Q22 net fee income dropped 6.36% YoY from relatively large base in 1Q21; mainly from fund management business
in line with market condition.
■Net fee income to net total operating income was 21.75% in 1Q22.
2018
2019
2020
2021
1Q21
1Q22
4Q21
1Q22
Fee Income (Bt bn)
51.19
50.58
45.70
48.63
12.62
12.37
12.22
12.37
Fee Income-net (Bt bn)
38.12
36.74
33.00
35.32
9.43
8.83
8.75
8.83
Fee Income Growth (%YoY)
Net Fee Income Growth (% YoY)
Net Fee Income to Net Operating Income Ratio (%)
22.89
(1.10%) (1.19%) (9.65%)
(7.72%) (3.61%) (10.17%)
24.52
21.31
6.41%
7.01%
21.62
23.56
2.27% (1.97%)
6.56% (6.36%)
21.75
5.56%
(1.97%)
5.39%
(6.36%)
20.58
21.75
Note:
- 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 Thai
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 before Y2020, which were based on the prior accounting standards (non-TFRS9).
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Net Fee Income Structure
March 2022 (Consolidated)
Net Fee Income by Product
Brokerage
business
7%
Others
13%
Credit Card
Business
14%
Transaction
services
16%
Fund Management
Business
23%
Trade
finance
7%
Commercial
credit
16%
Cash
management
4%
Loan Related and Non-loan Related Fees - net
Non-loan
related
86%
Loan
related
14%
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
■Credit Card Business (mainly from credit card, merchant fees)
■Transaction services (such as ATM & debit cards, bill payments, money transfers, etc.)
■Commercial credit (mainly from commercial credit related fees)
Cash management (such as fees from payroll accounts)
■Trade finance
Fund Management Business (mainly from mutual fund and securities service fees)
Brokerage business
■Others (such as capital market business, etc.)
Note:
- On the consolidated basis, Bancassurance fees are not included, due to the
elimination of inter-company transactions (the accounting treatment from the
Muang Thai Group Holding consolidation)
- On the consolidated basis, Net Premium Earned - net (Net Premium Earned
Less Underwriting Expenses) from Muang Thai Life Assurance (MTL) is reported
as a part of non-Interest Income; KBank has a 38.25% economic interest in MTL
บริการทุกระดับประทับใจ
85
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