KBank's Strategic Acquisition in Muang Thai Group Holding
K
ธนาคารกสิกรไทย
KASIKORNTHAI
开泰银行 KASIKORNBANK
Loan Portfolio Breakdown by Business, Residency of Borrowers, and Maturity of Interest Repricing
March 2023 (Consolidated)
(Bt bn)
3,000
Loan Portfolio by Business*
By Residency of Borrowers (December 2022)*
Foreign
5.14%
2,500
2,495
2,422
2,245
Others
2,000
1,439 1,527 1,610 1,698 1,803 1,914
11.6%
12.8%
15.7% 14.5%
14.6%
14.8%
17.2%
1,500 1,327
12.5%
14.2%
1,000 16.2%
13.5% 12.5% 13.2% 14.7% 13.7% 13.5% 12.8%
8.9% 9.0% 8.6%
8.5%
14.9%
6.9%
6.6%
46:2% 41.7% 6.9%
14.2%
14.2%
14.3%
14.2%
2,002
14.6% 16.3%
14.9% 16.2%
17.7% 18.3%
16.8%
■ Housing loans
17.1%
15.2%
■Infrastructure and services
14.7%
8.6%
14.5%
8.4%
■Property development and
construction
500-
0
8.6% 8.9% 48.1% 49.1% 48.1% 47.3% 46.2% 44.0% 41.7% 40.5% 42.1%
2.4% 2.3% 2.0% 1.9% 2.1% 1.9% 1.8% 1.7% 1.6% 1.5%
2012 2013 2014 2015 2016 2017 2018 2019 2020
Manufacturing and commerce
Agriculture and mining
2021 2022
Definition of Loans
1) by industry Gross loans Loans to customers less deferred revenue
2) by currency Loans to customers and AIR - net
3) by maturity of interest repricing = Loans to customers less deferred revenue
Loans by Bangkok and Metropolitan vs. Upcountry
Loan by Bangkok and Metropolitan vs. Upcountry
Domestic
94.86%
By Maturity of Interest Repricing (December 2022)*
> 6 months
19.98%
Others
0.65%
<=6 months
9.36%
Proportion of KBank's Outstanding Loans 2015 2016 2017 2018 2019 2020 2021 2022 1Q2023
Bangkok and Metropolitan
64% 6.3% 64% 62% 59% 58% 62% 62% 63%
Upcountry
36% 37% 36% 38% 41% 42% 38% 38% 37%
Note: *The information on loans breakdown by industry, residency of borrowers, and maturity of interest repricing are disclosed on half year basis
Immediate
repricing
70.01%
K
KASIKORNTHAI
Asset Quality
March 2023 (Consolidated)
NPL Ratio
บริการทุกระดับประทับใจ
Coverage Ratio
(%)
(%)
5
200
3.93
3.65
3.76
148.60 149.19
159.08 154.26 156.68
4
3
2
1
illii
3.19
150
3.04
100
50
0
0
2019 2020 2021 2022 1Q23
2019
2020 2021 2022 1Q23
ธนาคารกสิกรไทย
开泰银行 KASIKORN BANK
81
Classified Loans*
(Bt bn)
Stage 1 Performing
Stage 2 Under-performing
Stage 3 Non-performing
Total
2021
2022
1Q23
2,130
2,230
2,211
202
188
181
106
93
89
2,438
2,511
2,481
NPL ratio in 1Q23 was at 3.04%, with a coverage ratio of 156.68%.
NPL ratio dropped YoY from proactively embarking and cooperating with professional partners to enhance the
effectiveness of NPL management.
Asset quality is to be closely monitored and constantly reviewed.
NPL Ratio (%)
Coverage Ratio (%)
SML to Total Loans Ratio (%)
Loans with significant increase in credit risk (%)
2019
2020
2021
2022
1Q22
1Q23
4Q22
1Q23
3.65
3.93
3.76
3.19
3.78
3.04
3.19
3.04
148.60
149.19
159.08
154.26
158.33
156.68
154.26
156.68
2.80
7.80
7.27
6.47
7.22
6.25
L
6.47
6.25
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
82
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