KASIKORNBANK Strategic Acquisition
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Loan Portfolio Breakdown by Industry, Currencies, and Interest Rate
March 2022 (Consolidated)
Loan Portfolio by Industry*
By Residency of Borrowers (December 2021)*
(Bt bn)
3,000
2,500
2,002
2,245 2,422
1,914
1,803
2,000
1,527 1,610
1,698
■ Others
17.7%
1,439
16.8%
1,327
1,500
1,000
6.9%
14.5% 14.2%
11.6% 15.7%
4.29
12.5%
4.69
2.89 4.8
6.2
8.9% 9.0%
13.5% 12.5% 13.2% 14.7% 13.7% 13.5% 12.8%
6.6% 6.9%
46.2% 41.7%
14.3%
4.29
14.6%
4.9
16.3%
6.2
Housing Loans
7.1
7.2
Utilities & Services
8.5%
14.2%
8.6%
14.7%
8.6%
500
0
1.9% 2.1% 1.9% 1.8% 1.7% 1.6% 1.4%
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
8.6% 8.9% 48.1% 49.1% 48.1% 47.3% 46.2% 44.0% 41.7% 40.5%
2.0%
2.4% 2.3%
Real Estate & Construction
Manufacturing & Commerce
Agricultural and Mining
Foreign
3.4%
Domestic
96.6%
By Maturity of Interest Repricing (December 2021)*
Definition of Loans
1) by industry Gross loans Loans to customers less deferred revenue
2) by currency Loans to customers and AIR - net
3) by maturity of interest repricing = Loans to customers less deferred revenue
Loans by Bangkok and Metropolitan vs. Upcountry
Proportion of KBank's Outstanding Loans 2014 2015 2016 2017 2018 2019 2020 2021 1Q22
Bangkok and Metropolitan
Upcountry
64% 64% 63% 64% 62% 59% 58% 62% 63%
36% 36% 37% 36% 38% 41% 42% 38% 37%
> 6 months
18.1%
Others
0.7%
<=6 months
9.6%
Note: *The information on loans breakdown by industry, residency of borrowers, and maturity of interest repricing are disclosed on half year basis
Immediate
repricing
71.6%
K
KASIKORNTHAI
Asset Quality
March 2022 (Consolidated)
NPL Ratio
บริการทุกระดับประทับใจ
ธนาคารกสิกรไทย
开泰银行 KASIKORN BANK
89
Coverage Ratio
Classified Loans**
(%)
(%)
(Bt bn)
Stage 1 Performing
2020
2021
1Q22
1,951
2,130
2,163
5
4
3.34
3.65
3.93
3.76 3.78
200
160.60
150
148.60 149.19 159.08
158.33
Stage 2 Under-performing
Stage 3 Non-performing
201
202
205
103
106
108
3
Total
2,256
2,438
2,476
2
100
1
0
50
0
T
2018 2019 2020* 2021 1Q22
2018
2019 2020*
2021 I
1Q22
NPL ratio in 1Q22 was at 3.78%, with a coverage ratio of 158.33%.
COVID-19 negatively affected asset quality; asset quality is manageable with closely monitored and constantly
reviewed. Relief measures help limit short-term impact on asset quality, while focusing more on comprehensive debt
restructuring.
2018
2019
2020
2021
1Q21
1Q22
4Q21
1Q22
NPL Ratio (%)
3.34
3.65
3.93
3.76
3.93
3.78
Coverage Ratio (%)
160.60
148.60
149.19
159.08
153.98
158.33
3.76
159.08
3.78
158.33
SML to Total Loans Ratio (%)*
1.90
2.80
-
Loans with significant increase in credit risk (%)
7.80
7.27
7.88
7.22
7.27
7.22
L
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 before Y2020, 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
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