KASIKORNTHAI Regulatory Capital and Financial Performance Update
K
KASIKORNTHAI
Other Figures
Million Baht
Housing Loans / GDP
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Credit Card Loans/GDP
Million Baht
% to GDP
600,000
500,000
5,000,000
26.6
27.3 26.9 26.7 26.7
30
400,000
2.0 2.0
2.0
2.1
2.2
4,000,000
22.0 22.3 22.3 22.6 23.2
300,000
25
21.0
19.4
200,000
17.7 17.4 18.0 18.3
20
3,000,000
20
100,000
0
15
2009
2011
2013
2,000,000
1,000,000
1,709,897
1,885,139
2,034,137
2,263,552
2,510,012
0
2009
2012
2,783,129
3,021,811
3,251,488
3.448.852
3.706,397
3,918,565
4,172,556
4,410,235
Housing Loans for Personal Consumption (LHS)
4,666,198
4,702,217
4,755,808
2015
2018
2021
1H23
--% Housing Loans to GDP (RHS)
Note Housing loans represent outstanding housing loans for personal consumption
granted to individuals of householders by financial institutions (including
Commercial banks, Finance companies, Credit financiers, SFIs, and Insurance
companies but excluding Saving Cooperatives and others financial Institution)
Source: BOT, NESDC
K
KASIKORNTHAI
Other Figures
Loans to GDP as of 2022
United States
Thailand
South Korea
Japan
Malaysia
Singapore
China
0
50
69.9
88.9
100.7
102.9
108.5
126.4
100
Note: Data on China, Korea and Japan include loans from commercial banks as well as financial
institutions, the rest include loans only from commercial banks
Credit Card Statistics
150
15
0
10
2.4 2.4 2.5
2.5 2.6
2.7
% of GDP
2.9 2.8 2.8
290,425
318,141
333,493
360,096
394.123
418,747
457,090
449.733
458,181
2015
2017
2019
482,966
461,707
Credit Card Loan Outstanding (LHS)
Credit Card Loan to GDP (RHS)
Note 1) Credit card loans represent outstanding credit card loans from commercial banks and
non-banks, excluding SFIs, saving cooperatives and others financial Institutions
Personal Loans/GDP
2021
Million Baht
900,000
% to GDP
4.6
4.3
800,000
700,000
600,000
500,000
2.2
222
400,000
1.7
1.9 2.1
2.3 2.4 2.3 2.3 2.3 2.3,
3.4
3.7 3.9
300,000
200,000
100,000
213,745
187,49
213,310
257,129
299,139
312,851
318,354
332,996
354,243
383,303
579,911
580,383
633,153
746,474
821,339
0
2009
2011
2013
Personal Loan Outstanding (LHS)
2015
2017
2019
2021 Aug-23
% Personal Loans to GDP (RHS)
Note: 1) Personal Loans represent outstanding personal loans under supervision (including
commercial banks and non-banks, excluding SFIs, saving cooperatives and others
financial Institution)
บริการทุกระดับประทับใจ
167
% YoY
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Thai Banks' Loan Growth and NPL Ratio
15 15.23
12
3.89
9
2.94
2.69
2.44 2.31 2.31
2.99 3.08 3.09 3.14 3.25 3.12 2.86 2.81
12.0 14.6 13.9 10.6 4.8 6.2 2.4 4.6 5.8 2.3 5.6 6.4 2.7 0.5
% of GDP
176.8
0
-0.7
0
2009
200
2011
2013
% YoY Loan Growth
2015
2017
2019
―% Gross NPL Ratio
2021
2Q23
Note: % YoY loans represent growth of loans in 17 domestically-registered commercial banks
Baht
% YoY
25
19.9
20
12.8
11.1
15
9.7
10.2
8.7
6.7 7.2
6.0
10
21.1
250,000
11.3
11.0
200,000
4.0
-1.1
5 5.8 14.3 11.0 9.5 4.8 8.0 9.4 6.2 9.2
1.7
5.4
2.6
150,000
0
1.9
-5
-1.6
100,000
-10
11.3
-15
50,000
2011
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
Credit Card Loan Growth
Spending Growth
2022 8M23
147,364
163,956
170,467
0
Note: The credit card statistics number includes foreign bank and non-bank credit cards
Source: BOT, NESDC, NSO, CEIC Data, and KResearch
บริการทุกระดับประทับใจ
185,159
8.6
192,327
3.9
195,807
GDP Per Capita
1.8
3.2
5.7 5.4
202,151
213,586
225,095
236,861
% YoY
20
20
7.2
5.2
2.9
3.0
243,705
225,311
-7.5
231,986
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
GDP Per Capita
―% YoY
248,635
0
-10
-20
-30
168
10
10
6
Aug-23
2.6View entire presentation