KBank Subsidiaries and ASEAN Economic Strategy
K
KASIKORNTHAI
Asset Quality
June 2020 (Consolidated)
NPL Ratio
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Coverage Ratio
Classified Loans**
(Bt bn)
1H20
(%)
(%)
Stage 1 Performing
1,808
5
200
Stage 2 Under-performing
230
3.92
160.60
155.68
3.65
4
3.32
3.30 3.34
148.45
148.60
Stage 3 Non-performing
96
150
130.92
3
100
2
50
1
0
0
2016 2017 2018 2019 1H20*
2016
2017
2018
2019
1H20*
NPL ratio in 1H20 was at 3.92%, with a coverage ratio of 155.68%
COVID-19 significantly impacts asset quality; however, relief measures help reduce short-term impact to asset quality.
NPL can stay at not too high level for now. The Bank has to prepare for the end of relief measures
2016
2017
2018
2019
1H19
1H20
NPL Ratio (%)
3.32
Coverage Ratio (%)
130.92
3.30
148.45
3.34
160.60
3.65
148.60
3.40
157.95
3.92
155.68
1Q20
3.86
138.66
2Q20
3.92
155.68
SML to Total Loans Ratio (%)*
2.55
2.59
1.90
2.80
2.50
Loans with significant increase in credit risk (%)
9.43
9.32
9.43
Note: 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, which were based on the prior accounting standards (non-TFRS9).
** 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
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
June 2020 (Consolidated)
Impairment Loss of Loans
and Debt Securities
Expected
Credit Loss
Credit Cost
(Bt bn)
(bps)
50
350
311
41.81
300
239
40
33.75
32.53
34.01 32.06
250
204
30
175 174
200
20
150
100
10
50
0
2016
2017
2018
2019
1H20*
2016 2017 2018 2019 1 H20*
1H20 credit cost was 311bps; increased due to prudent set aside on expected credit loss during
the economic recession resulting from COVID-19
71
2016
2017
2018
2019
1H19
1H20
1Q20 2Q20
Expected Credit Loss
(Impairment Loss of Loans and Debt Securities) (Bt bn)
33.75 41.81
32.53
34.01
15.13 32.06
11.87
20.19
Credit Cost (bps)
204
239
175
174
157
311
235
387
Note: * 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, which were based on the prior accounting standards (non-TFRS9)."
บริการทุกระดับประทับใจ
72
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