Currency and Interest Rate Outlook
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Private Banking Group: Performance and Market Position
Multi-Corporate
Business
Large Corporate
Business
Medium
Business
Small and Micro
Business
High Net Worth
Individual*
Affluent
Market Share (Market Penetration)
Middle
Income
Assets Under Management (AUM)
37%
(Bt bn)
36%
850
36%
798
35%
800
775
35%
750
34%
34%
34%
717
34%
34%
33%
32%
III
(#1)
700
687
677
650
600
2016
2017
2018
2019
2020
1H21
2017
2018
2019
2020
1H21
Source: Private Banking Group (market share by number of customers)
Performance and Market Position
■ Market Penetration: ranked #1 with 35% market share (12,204 customers) and Bt798bn AUM in 1H21
■AUM Breakdown: Investment 65% and Deposit 35%
■ Focus Customers (Type of Customer):
➤ Sophisticated customers (over 70% of total customers); Non-Sophisticated customers
■Product Types and Services:
Mass
Collaborate with Lombard Odier to develop innovative products; build capability via staff trainings and regular workshops; offer advisory services with
close CIO collaborations; and offer referral offshore investment services
➤ Key product and services:
.
.
Financial Products and Services: Investment Advisory
Non-Financial Products and Services: Family Wealth Planning & Real Estate
Others: Financial Event & Privilege
Note: * High Net Worth Individual = Individual wealth with KBank and its wholly-owned subsidiaries > Bt50mn
K
บริการทุกระดับประทับใจ
KASIKORNTHAI
Retail Business: Performance and Market Position
Multi-Corporate
Business
Large Corporate
Business
Medium
Business
Bancassurance*
(New Business, Total and Renewal Premium)
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Small and Micro High Net Worth
Business
Individual
Affluent
Middle
Income
Mass
#1 in Mutual Fund (KAsset)
Mortgage Loan
Ranked #1 in Mutual Fund AUM
(KAsset)
(% Market Share)
Maintaining Top 3 with good quality portfolio
(% Market Share)
Ranked #2 in Total & Renewal Premiums and
#3 in New Business
(% Market Share)
35%
30%
29.7%
27.8%
28.5% 24.8%
30%
8.3% 9.5%
10%
24.4%
23.0%
21.8%
8.3%
25%
23.8%
20.1%
20%-
19.9%
16.6%
16.9%
20.2% 20.5% 20.1%
22.1% 21.9%
7.4%
7.7%
15.8%
16.3%
15,2%
20%
15%
5%
10%
10% (#1) (#1) (#1) (#1) (#1)
(#3)
(#3)
(#3)
(#3) (#3)
5%
0%
0%
0%
2017 2018 2019
2020
■New Business Total Premium
1Q21
Renewal Premium
2017 2018 2019 2020 1H21
2017 2018
2019 2020
1Q21
51
Performance and Market Position
■Strong Growth in Retail Segment: Higher growth than market size in retail customers. KBank's retail customers grew 8% YoY in 1Q21.
Bancassurance: MTL ranked #2 in total and renewal premiums with market share of 16.3%, and 16.9%, and also ranked #3 in new business with 15.2% market share in 1Q21.
A variety of life and non-life products were offered to customers, together with an alternative digital channel via K PLUS. Moreover, coverage for COVID-19 vaccine allergies was
offered to customers who renewed or took out COVID-19 insurance
Fund Management Services
Mutual Funds: KAsset maintaining #1 position since 2010, with highest market share at 21.9% in 1H21.
■Mortgage Loans: ranked in top 3, with 9.5% market share in 1Q21, expanding into high potential customers with conservative growth together with strengthening partner
relationships and maintaining good portfolio quality.
Credit Cards:
➤ Purchase spending: ranked #1, with 20.1% market share in 1Q21.
Number of cards: ranked #2, with 13.3% market share in 1Q21.
Card-accepting merchant services (online & offline platforms): ranked #1, with more than 32% market share by sales volume in 1Q21.
Debit Cards:
#1 in total debit card spending with 54% market share in 1Q21; maintain top position by providing functions, features, security, and benefits to match customer lifestyles
Variety of cards and campaigns offered to promote greater card spending in several categories, such as travelling, online shopping, and food delivery, including attractive
cards with privileges for specific groups; i.e. MADCARD for Kerry Express, JOURNEY Card, Line BK.
Note: * Total Premium = New Business Premium (NBP) + Renewal Premium;
New Business Premium = First Year Premium (FYP) + Single Premium (SP)
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