KASIKORNBANK Financial Overview
K
EXCELLENCE
Non-interest Income and Structure
March 2013 (Consolidated)
Non-interest Income to Average Assets
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Non-interest Income Structure
(Bt bn)
50
(%)
I
4
3
1.95
2.14
2.08
2.20
2
1.62
40
1
0
2009
2010 2011 2012 1Q13
Non-interest Income Ratio**
Other Operating Income
40.72
Fee and Service Income - net
3%
34.02
4%
Net Premium Earned - net*
28.40
30
2%
60%
61%
Dividend Income
Share of Profit from Investments
60
(%)
20
64%
50
38
38
39
40
40
35
30
20
10
0
2009
2010
2011
2012
1Q13
11.50
on Equity Method
18%
2%
Gain on Investment
62%
19%
9%2%
0.05% 50
12% 2%
Gain on Trading and FX
transactions
10
16%
14%
2%
04%
.05%
0.02%
2%
2%
14%
I
16%
15%
0
2010
2011
2012
1Q13
Non-interest income continued to grow, mainly from fee income and life insurance earned premium
2009
2010
2011
2012
1Q12
1Q13
4Q12
1Q13
Non-interest Income (Bt bn)
21.68
28.40
34.02
40.72
9.85
11.50
10.15
11.50
Non-interest Income Growth (% YoY)
n.a.
30.97
19.78
19.72
19.31
16.72
30.83
16.72
Non-interest Income Ratio (%)
35.23
37.79
37.58
39.04
39.77
40.06
37.40
40.06
Note: Net Premium Earned - net = Net Premium Earned less Underwriting expense
** Non-interest income ratio = Non-interest income / Total operating income-net
K
EXCELLENCE
Net Fee Income
March 2013 (Consolidated)
บริการทุกระดับประทับใจ
Net Fee Income
(Bt bn)
30
24.47
20.64
20
18.23
15.94
10
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Net Fee Income to Net Total Operating Income
(%)
30
26%
24%
25%
23%
23%
20
10
7.14
0
2009
2010
2011
2012
1Q13
0
2009 2010 2011 2012 1Q13
47
1Q13 net fee income grew 29.52% YoY, driven by a rise in credit card, debit card, and ATM fees, as well as
fee income from KAsset and KSecurities in line with market growth
Net fee income growth will continue to be helped by the cross selling capability of our customer-centric strategy
Net fee income to net total operating income was 25% in 1Q13; consolidated net fee income reflects the
accounting treatment following the MTGH consolidation; Bancassurance fees were not included
Fee Income (Bt bn)
Fee Income - net (Bt bn)
2009
19.54
15.94
2010 2011 2012
22.82 26.07 31.43
18.23 20.64 24.47
1Q12 1Q13
4Q12
1Q13
7.16
9.04
8.67
9.04
5.51
7.14
6.76
7.14
Fee Income Growth (% YoY)
Net Fee Income Growth (% YoY)
n.a.
n.a.
16.77
14.36
Net Fee Income to Net Operating Income (%)
25.90
14.25 20.55
13.22 18.56
24.26 22.80 23.46
15.42 i 26.19
37.02
26.19
12.14
29.52
38.16
29.52
22.24
24.86
24.90 24.86
บริการทุกระดับประทับใจ
90
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