Currency and Interest Rate Outlook
K
KASIKORNTHAI
Asset Quality and Expected credit loss (Provision)
June 2021 (Consolidated)
Expected credit loss (Provision)
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
During 1997
(Bt bn)
Asian Crisis*
50.6
48
44.1
42
36
30
16.8
18
12
6 -2.3
0
Coverage Ratio
|
During 1997
Asian Crisis*
(%)
I
150
41.8
43.5
33.8
32.5 34.0
100
91.6
160.6
154.1
127.1 131.8 134.5141.4
148.6 149,2
!111.0
130.0
130.9
148.5
26.4
119.5
9.4
11.7 14.2
48.8
50 34.7
6.7 7.3 8.4
L
25.4 30.0 34.2
0.7!
0
1996 1997 1998 1999 2000 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020** 1H21
1996 1997 1998 1999 2000 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020** 1H21
Note: Provision referred to Impairment Loss on Loans and Debt Securities;
from January 1, 2020 onwards based on TFRS9, provision refers to Expected Credit Loss
During 1997 Asian Crisis*
(%)
888
44532220
42.0
723
31.7
23.5
NPL was peak at
42.3% in 1Q99
287
15
15.9
10
44
5
5.1
NPL Ratio and Credit Cost
Asset quality remains manageable;
closely monitored and constantly
reviewed.
■NPL ratio in 1H21 was at 3.95%,
with coverage ratio of 154.1%.
1H21 credit cost was 168bps;
while COVID-19 negatively
affected asset quality, relief
measures lessened impact in the
short-term.
(bps)
900
NPL ratio
Credit Cost
700
500
239
204
168
175
174
205 168
300
102
3.76
14
85 96
66 64 66
3.76 2.45 2.16 2.11 2.24 2.70
3.32 3.30
3.34 3.65 3.93 3.95
100
-100
NPL Ratio by Business
Corporate Business
SME Business
Retail Business***
2016 2017 2018 2019 2020 1H21
<2% <2% <2% <2% <2% <2%
-5% ~5% -5% -6% <7% <7%
-4% -4% -4% -4% <5% <5%
1996 1997 1998 1999 2000 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020** 1H21
Notes: Data in 1996-1997 is KBank only
** 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).
*** NPL ratio in retail business, excluding 180 dpd (days past due) of credit card and consumer loans for peer comparison
K
KASIKORNTHAI
ROA and ROE
June 2021 (Consolidated)
บริการทุกระดับประทับใจ
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
ROA
(%)
2.5
20
ROE***
(%)
22
24
2.0
16
1.5
1.20 1.27 1.20
0.85
1.03
12
10.24 10.61
9.90
8.87
1.0
7.10
8
0.5
4
0.0
0
2017 2018 2019
2020* 1H21
2017 2018 2019 2020*
1H21
ROA (%)
ROE (%)
2017
2018
2019
2020
1H20
1H21
1Q21
2Q21
1.20
1.27
1.20
0.85
0.56
1.03
1.14
|
0.93
10.24
10.61
9.90
7.10
4.72
8.87
9.57
8.11
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).
The Bank restated the 1Q20 financial statements, due to reclassification of investment in trust fund to FVOCI.
*** ROE = Net profit (attributable to equity holders of the Bank) deduct dividend from other equity instruments after income tax divided by average equity of equity excluded
other equity instruments
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