KBank Subsidiaries and ASEAN Economic Strategy
K
KASIKORNTHAI
Loan Structure and Loan Growth Targets
June 2020 (Consolidated, TFRS 8: Operating Segments*)
Loan Portfolio Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Loan Portfolio
Bt bn
Consolidated
Amount (Bt bn)
Y2019
1H20
1H20
2020
2,400
1,803
1,914 2,002 2,127
Dec 19 Jun 20
Loan Growth Loan Growth Yield Range
Loan Growth Target (%)
1,698
Corporate
2,000
(%)
(%YTD)
(%)
(No longer applicable)
1,600
36%
34%
36%
■SME
Corporate Loans
691
777
1.2%
12.4%
3-5%
2-4%
30% 35%
SME Loans
672
721
1.7%
7.3%
5-7%
1-3%
1,200
■Retail
800
39%
35%
349
Retail Loans
556
570
13.9%
2.6%
5-7%
9-11%
34%
36
Other Loans
83
59
1.5%
(29.4%)
Others.
400
25%
24%
25% 28%
0
6%
2016
5%
2017
4% 4%
2018 2019
27%
3%
1H20
Total Loans
2,002
2,127
4.6%
6.2%
4.9%
4-6%
Note: * From time to time, the Bank has adjusted loan definitions based on loan portfolio management; thus, the latest loan base is
not comparable with previous reports.
Loan Definition (TFRS 8: Operating Segments)
Corporate Loans: Loans of KBank and KBank's Subsidiaries in Corporate Segments (Annual sales turnover > Bt400mn)
SME Loans: Loans of KBank and KBank's Subsidiaries in SME Segments (Annual sales turnover ≤ Bt400mn)
Retail Loans: Loans of KBank and KBank's Subsidiaries in Retail Segments
Other Loans: Loans in Enterprise Risk Management Division (NPL + Performing Restructured Loans), and other loan types
Note:
* Since 1Q13, as per the Bank of Thailand's requirement, the Bank has complied with TFRS 8 (Operating Segments) to present operating results for each key segment in financial reports
Y2018 Loan Growth Target (%): Corporate 6-8%; SME 4-6%; Retail 5-7%; Total Loans: 5-7%
Y2017 Loan Growth Target (%): Corporate 4-6%; SME 4-6%; Retail 5-7%; Total Loans: 4-6%
Y2016 Loan Growth Target (%): Corporate 4-6%; SME 5-7%; Retail 5-7%; Total Loans: 6-7%
Y2015 Loan Growth Target (%): Corporate 3-5%; SME 6-8%; Retail 5-7%; Total Loans: around 6%
** 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, which were based on the prior accounting standards (non-TFRS9).
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K
KASIKORNTHAI
Loan by Retail Products (All Segments)
June 2020 (Consolidated, TFRS 8: Operating Segments*)
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Loan by Retail Products
(Amount in Bt bn)
Dec19
Jun 20
Y2019
Loan
Growth
1H20
% Portion
Loan
Growth
to
Total Loan
(%)
(%YTD)
Housing Loans
326
350
14.4
7.6
16.5
Credit Cards
86
75
8.7
(12.5)
3.5
Consumer Loans
KLeasing
78
82
24.9
5.2
3.8
115
113
6.2
(1.9)
5.3
Loan Definition (TFRS 8: Operating Segments)
Housing Loans: KBank's housing loans to retail customer segments
Credit Cards: KBank's credit card loans to all eight customer segments
Consumer Loans: KBank's consumer loans to retail customer segments
KLeasing: KLeasing's loans to all eight customer segments
Note: * Since 1Q13, as per the Bank of Thailand's requirement, the Bank has complied with TFRS 8 (Operating Segments) to present operating results for each key segment in financial reports
** 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, which were based on the prior accounting standards (non-TFRS9).
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