KASIKORNBANK Economic and Subsidiaries Performance Overview
K
KASIKORNTHAI
Growth Strategy: Penetrate Regional Market
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
■To achieve rapid regional digital expansion in AEC+3 using 3 strategic plays to build growth
momentum and accelerate customer base development and financial returns
A
B
C
China
Strategy
AEC
Aggressive Play: Aggressively grow corporate lending
Serving Local Large Corporates, Thai Directed Investors, and AEC+3 Investors
Local Large
Corporates
Thai Direct
Investment (TDI)
AEC+3
Mass Acquisition Play: Acquire more customers
Acquiring local SME and individual customers
with partner collaborations
Business
Supply chain financing via
Acquiring local SME and individual customers
via transactional banking channels and partners
Retail
Business
Retail online lending via
a self-owned platform under
a self-owned platform
under 'Better ME' concept
K-Cyber
Banking
EDC
Ecosystem
Partners
'Better SME' concept
Retail
ATM/
Agent
K+
Disruptive Play: Grow digital lending with more local partners
Capturing credit needs of individual customers with high-yield credit via E2E online credit tech
BaaS
Digital Lending
Ecosystar
Key Achievements in 1H23
We have successfully established KBank's presence
in every country across the region, providing
international-standard financial solutions
catering to diverse customer segments
KBank China successfully reached 2 million customers
and launched the first self-owned personal consumption
loan aimed at enhancing quality of life and business.
KBank Vietnam - Ho Chi Minh City (HCMC) branch
increased capital to Bt9.6bn to accommodate the
expansion of services across all customer groups.
KPLUS users nearly reached 680,000 customers.
KBank increased its shareholding of Bank Maspion
Indonesia to 67.68%. Working with an online
platform, we offer loan services to small businesses to
broaden our customer base. Our QRIS service covered
680 touchpoints and catered to 631 merchants,
highlighting its widespread adoption.
Note: EDC Electronic Data Capture Machine
E2E = Enterprise to Enterprise
QRIS
Quick Response Code Indonesia Standard
BaaS Banking as a Service
บริการทุกระดับประทับใจ
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K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Penetrate Regional Market: Asset-Light Regional Expansion into AEC+3
■Growth in regional markets: With a strategic focus on the AEC+3 market, KBank is committed to implementing an
integrated regional operating model encompassing physical presence, digital platforms, and regional partnerships.
Physical Footprint
Note:
South Korea
China
Lao PDR.
Myanmar
Japan
Cambodia
Vietnam
Indonesia
- Two subsidiary banks: KASIKORNTHAI BANK SOLE Limited (Lao PDR) with two branches in Ponesinuan and Lane Xang,
KASIKORNBANK (CHINA) with four branches in Shenzhen, Chengdu, Shanghai, Beijing and one sub-branch in Long Gang
Four international branches: Cayman Islands, Hong Kong, Phnom Penh and Ho Chi Minh City
Six representative offices: Beijing, Kunming, Tokyo, Yangon, Hanoi and Jakarta
- One strategic partner: Maspion Bank in Indonesia; KASIKORNBANK Group has become a majority shareholder of Maspion
Bank in Indonesia by holding a share of 67.68% (KBank had held 5.15% and KVF had held 62.53% since April 12, 2023)
- Global partners with 80 banks in 14 countries: 50 Japanese partner banks; 10 Chinese partner banks; 1 Hong Kong bank; 3
Korean partner banks; 12 ASEAN partner banks (in Vietnam, Indonesia, Lao PDR, Cambodia, Philippines, Brunei, Malaysia
and Singapore); 3 European regional banks (in Germany and Italy) and 1 Indian Bank
บริการทุกระดับประทับใจ
Lao PDR. Cambodia Myanmar Vietnam Indonesia
Japan
China
Digital Platform
X-Border Multi-Currency Settlement
X-Border THB Direct Settlement
X-Border Retail Payment
Partnership
AEC
MetinBank:
BIDV⭑
ECEL
LBB Bank
BANK MASPION
mandiri
BCA
Maybank BDO
Hana Bank +
* 靜岡銀行
HICH BANK
S 中国民生银行
CHUGOKU BANK
百十四旅行
...and others
型
△ 愛知銀行
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