KASIKORNBANK Financial Overview
Note:
K
EXCELLENCE
ROA and ROE
March 2013 (Consolidated)
ROA
ROE
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
(%)
2.50
1.86
1.93
2.00
1.48
1.38
1.50
1.10
224
262
24
(%)
20.76
21.23
20
16.72
15.73
16
12.79
12
1.00
8
0.50
4
0.00
0
2009
2010
2011
2012 1Q13
2009
2010
2011
2012
1Q13
ROA (%)
ROE (%)
2009
2010
2011*
2012
1Q12
1Q13
4Q12
1Q13
1.10
1.38
1.48
1.86
2.01
1.93
1.51
1.93
12.79
15.73
16.72
20.76
22.43 21.23 i
16.93 21.23
* In accordance with the corporate income tax rate reduction from 30% of taxable profit to 23% in 2012 and 20% in 2013, KBank recognized a one-time Bt1.9bn impact to the 4Q11 income statement due to deferred
tax items adjustment; there was no affect on the business undertakings, profitability, or capital fund of the Bank and its subsidiaries
บริการทุกระดับประทับใจ
45
K
EXCELLENCE
Net Interest Margin
March 2013 (Consolidated)
NIM
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Yield on Earnings Assets and Cost of Fund
(%)
(%)
5
4
3.23
3.48
3.75
6.24
3.58
3.49
5.94
6.26
.
Yield on Loans
6
5.24
3
Yield on Earnings Assets
5.55
5.42
5.09
4.63
2
2.08
1
2.14
1.89
Cost of Fund
2
1.32
1.99
1.70
1.81
0
Cost of Deposit*
1.05
2009
2010
2011
2012
1Q13
0
2010
2011
2012
1Q13
NIM was 3.49% in 1Q13, remaining the highest level among large commercial banks
NIM position will be maintained, focusing on the high-yield lending market; pressure from rising
competition will remain
2009
2010
2011
2012
1Q12
1Q13
4Q12
1Q13
NIM (%)
3.23
3.48
3.75
3.58
3.58
3.49
3.53
3.49
Yield on Earnings Assets (%)
n.a.
4.63
5.55
5.42
5.52
5.09
5.24
5.09
Yield on Loans (%)
n.a.
5.24
5.94
6.24
6.24
6.26
6.35
6.26
Cost of Fund (%)
n.a.
1.32
2.08
2.14
2.24
1.89
2.00
1.89
Cost of Deposit (%), incl DPA
n.a.
1.05
1.70
1.99
1.99
1.81
1.92
1.81
L
Note: * Cost of deposits including contributions to the Financial Institutions Development Fund (FIDF) and Deposit Protection Agency (DPA)
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