KASIKORNBANK Economic and Subsidiaries Performance Overview
K
KASIKORNTHAI
Net Fee Income and Structure
June 2023 (Consolidated)
Net Fee Income
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Net Fee Income by Products
(Bt bn)
(Bt bn)
36.74
40
35.32
33.00
32.88
40
36.74
35.32
30
35
13%
33.00
32.88
7%
20
15.83
6%
8%
13%
30
6%
10
22%
6%
25
24%
26%
0
6%
22%
2019
2020
2021
2022
1H23
3%
■Credit Cards Business
■Transaction Services
■Commercial Credit
Cash management
Trade Finance
■Fund Management Business
20
6%
4%
7%
15.83
Net Fee Income to Net Total Operating Income
21%
4%
Brokerage Business
15
21%
12%
20%
(%)
30
17%
5%
Others
22%
10
8%
22%
22.89
21.31
21.62
21%
17%
15%
4%
17%
18.98
20
20
16.72
5
15%
13%
13%
12%
16%
17%
0
10
2019
2020
2021
2022
1H23
0
2019
2020
2021
2022
1H23
Fee Income (Bt bn)
Fee Income-net (Bt bn)
Fee Income Growth (% YoY)
Net Fee Income Growth (% YoY)
1H23 net fee income decreased -6.77% YoY mainly from brokerage and fund management
businesses in line with market conditions, and a drop in transaction service fees.
2019
2020
2021
2022
1H22
1H23
1Q23
2Q23
50.58
45.70
48.63
36.74
33.00
35.32
48.35
32.88
24.05
24.41
12.53
11.88
16.98
15.83
8.11
7.71
22.89
(1.19%) (9.65%) 6.41% (0.58%)
(3.61%) (10.17%) 7.01% (6.89%)
21.31
21.62 18.98
(1.66%)
(5.71%)
1.48%
(6.77%)
1.31%
(8.13%)
1.66%
(5.31%)
20.67
16.72
Net Fee Income to Net Operating Income Ratio (%)
Note:
17.42
16.05
- On the consolidated basis, Bancassurance fees are not included in net fee income since November 30, 2009, due to the elimination of inter-company transactions (the accounting treatment from the Muang Thai
Group Holding consolidation)
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Net Fee Income Structure
June 2023 (Consolidated)
Net Fee Income by Product
Brokerage
Business
5%
Others
12%
Credit Card
Business
17%
Fund Management
Business
22%
Trade
Finance
8%
Cash
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Transaction Services
15%
Commercial
Credit
17%
■Credit Card Business (mainly from credit card, merchant fees)
■Transaction Services (such as ATM & debit cards, bill payments, money transfers, etc.)
■Commercial Credit (mainly from commercial credit related fees)
Cash Management (such as fees from payroll accounts)
Trade Finance
■Fund Management Business (mainly from mutual fund and securities service fees)
Brokerage Business
Others (such as capital market business, etc.)
Management
4%
Loan Related and Non-loan Related Fees - net
Non-loan
related
84%
Loan
related
16%
Note:
- On the consolidated basis, Bancassurance fees are not included, due to the
elimination of inter-company transactions (the accounting treatment from the
Muang Thai Group Holding consolidation)
- On the consolidated basis, Net Premium Earned - net (Net Premium Earned
Less Underwriting Expenses) from Muang Thai Life Assurance (MTL) is reported
as a part of non-Interest Income; KBank has a 38.25% economic interest in MTL
บริการทุกระดับประทับใจ
75
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