KASIKORNTHAI Regulatory Capital and Financial Performance Update
•
•
.
K
KASIKORNTHAI
Progress of Growth Strategy
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
PAY
Dominate Digital
Payment
Reimagine Commercial
& Consumer Lending
Increase customer's engagement
and obtain fund flow
Make payment accessible
anytime, anywhere
Increase digital market share and
K PLUS users to 23.9mn in 2023
88
Democratize
Investment & Insurance
Objective & Aspiration
Expand consumer credit and
SME support with better asset
quality, offering inclusive lending
services at reasonable pricing for
all
.
Increase fee and non-interest income
Grow wealth AUM by 20% (mutual
fund AUM at 38%) within three years
Grow wealth customer base by 1
million customers within three years
.
Penetrate
Regional Market
Focus China, Indonesia and Vietnam
2023
4% of Net Total Income (NTI)
1.3mn K PLUS users in Vietnam
2027
Indonesia: Top 20 banks by loan size
& the largest bank in East Java
Vietnam: Top 20 banks by asset size
K PLUS
21.4mn
with 73% active rate
K PLUS Users
37.9bn
Total Transactions
7.0bn, valued Bt18.1trn
Financial Transactions
-2.29% YTD
(-1.07% YoY)
Loan Growth decreased
from SME, personal loan,
home loan, credit cards,
and NPL outflow
management
9M23 Performance
17.4bn
Loan Outstanding
from LINE BK
(JV-lending with
LINE)*
Mutual Fund
Bt49bn
(5.7% YTD)
AUM Growth
91K
(12.2% YTD)
New Mutual Fund
Customers
>90% from K PLUS
Bancassurance
#2
Total Premium
16.0% market share
#2
New Business
Premium
16.3% market share
Strengthen Harmonized Sales and Service Experience
2.5%
of Net Total Income in 2022
#1
>800k
The biggest Thai K PLUS Users
bank in Shenzhen
in Vietnam
Launched KBTG Vietnam
Launched QRIS in Indonesia
Objective & Aspiration
Strengthen digital-led sales and service through KBank and partner platforms
Optimize physical service and human touch
Enhance basic infrastructure to harmonized physical and digital customer
experience
Note: *Not consolidated in KBank Consolidated Financial Statement
#1
9M23 Performance
#1
813 11,001
Mobile Banking NPS 2022 among Branches E-Machines
(K PLUS Users) Thai banks
บริการทุกระดับประทับใจ
QRIS = Quick Response Code Indonesia Standard NPS Net Promoter Score
> 210,000
Banking agents
including touchpoints
K
KASIKORNTHAI
Growth Strategy: Dominate Digital Payment
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
To increase digital market share and active K PLUS users
PAY:
To make payment accessible anytime, anywhere for everyone with secure, convenient, and good customer
experience
Strategy
Key Achievements in 9M23
Consumer Payment
Empower moment to pay anytime anywhere borderless
experience with variety source of fund across channels
Commercial Payment
Enhance business opportunity and trustworthiness thru
reliable payment solution and universal source of fund
acceptance capability which fits domestic and overseas
ecosystem
• Campaign to boost up New Gen spending
K PLUS
⚫ K PLUS user continuously grew 13% YoY to 21.4 million users
อป าง นก ง่ายๆ
ไม่ต้องใช้ Use
K Point
K+market
• Continuously increase engagement and stickiness
in customer everyday spending activities
Merchant Solution for High Growth Segment
Capturing small merchants by launching Health and
Beauty package
• Promotion and Campaign to cross sell KSHOP
ได้ทุกธนา
Regional Payment
Enrich CLMV customers' cross border payment experience
with simple and cost-efficient solution by leveraging KBank
local channels
Trustworthy Business Payment Solution
• Capturing enterprises e-payment by launching
PromptBiz solution
Capturing new business volume with bill
payment thru K Corp API
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KO
โอนจ่ายง่าย ได้หลายบัญชี
mild funanida
API IBIZ
Apation Programing interface
บริการทุกระดับประทับใจ
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