KASIKORNTHAI Regulatory Capital and Financial Performance Update
K
KASIKORNTHAI
Interest Income net
September 2023 (Consolidated)
-
Interest Income and Interest Expenses
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Interest Income - net
(Bt bn)
(Bt bn)
151.33
133.00
160.00
140.00
130.18
135.41
1134.89
140.00
119.39
127.59
120.00
109.02
| 109.60
102.69
120.00
100.00
100.00
80.00
80.00
60.00
60.00
40.00
20.00
27.49
18.57
16.02
18.33
25.30
40.00
20.00
0.00
0.00
2019
2020
Interest income
2021
2022
Interest expenses
9M23
2019
2020
2021
2022
9M23
9M23 net interest income increased 13.16% YoY, due to higher interest rate, despite higher cost of fund from FIDF fee
resumption and higher deposit rate.
Interest Income (Bt bn)
Interest Expenses (Bt bn)
Interest Income - net (Bt bn)
Interest Income - net (% Growth YoY)
2019
130.18
27.49
2020
127.59
18.57
2021 2022
135.41 151.33
16.02 18.33
9M22
109.91
13.06
9M23
1Q23
134.89
25.30
42.44
7.57
2Q23
45.21
8.51
3Q23
47.24
9.22
102.69
4.21%
109.02
6.17%
119.39 133.00
9.51% 11.40%
96.85
9.32%
109.60
34.88
36.70
38.02
13.16%
9.84%
14.65%
14.90%
Note: Contributions from MTL's insurance business to KBank include non-interest income (e.g. net-premium earned-net), and interest income (e.g. interest income from investment portfolio);
however, all income sources from MTL will be netted with non-controlling interests.
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Non-interest Income and Structure
September 2023 (Consolidated)
Non-interest Income to Average Assets
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
73
Non-interest Income Structure
Net Premium Earned and
Underwriting Expenses
(%)
(Bt bn)
(Bt bn)
4
65
57.80
(+2%)
120
80.49
100
80.65
3
60
80
72.13 72.56 69.36 70.98 66.06 69.28
3%
1.79
55
2
1.32
1.13
50
45.87
(-21%)
0.96
1.01
43.96
(-4%)
149.69 53.60
60
40.26
40
20
4%
45
(-8%)
32.16
1
0
5%
40
64%
(+19% YoY)
2019
2021
0
5%
35
2019
2020
2021
2022 9M23
30
72%
80%
2020
2022 9M23
Net premium earned
Underwriting expenses
Net Premium Earned - net
25
Non-interest Income by Business*
82%
Retail Business
■SME Business
Corporate Business
20
15 0.1% 5%
73%
(Bt bn)
15%
10
10
9%
100%
29.4%
80%
60% 21.0%
40%
20%
0%
8%
5
29.1%
31.3%
17.9%
18.5%
14%
18%
34.3% 34.7%
0
19.6% 23.5%
-5
-0.3%
2019
-0.4%
-1%
-2%
13%%
0.3% 9%
25%
6
13%
-0.3%
2020
-4% 2021
-8% 2022
9M23
-8.4%
2
-0.16
-0.44
-1.62
-3.23
-3.91
-12%
-2
2019
49.6%
50.2% 53.0%
46.1% 41.8%
Other operating income
■Fee and Service Income net
2020
2021
2022
9M23
-6
Net earned premium - net
■Dividend Income
2019
2020
2021
2022
9M23
■Share of profit/loss from investments on equity method
Gain/Loss on investments
* Non-interest income excludes capital market business,
treasury business and others
Non-interest Income (Bt bn)
Gain on financial instrument measured at FVTPL
(Gain on Trading and FX transactions-Old)
Contributions from MTL's insurance business to KBank
include non-interest income (e.g. net-premium earned-
net), and interest income (e.g. interest income from
investment portfolio); however, all income sources from
MTL will be netted with non-controlling interests.
2019
57.80
Non-interest Income Growth (%YoY)
1.51%
2020
45.87
(20.65%) (4.17%) (8.42%)
2021
43.96
2022
40.26
9M22
27.01
9M23
32.16
1Q23
11.70
2Q23
11.37
3Q23
9.10
(16.22%)
19.09%
32.00%
19.70%
5.19%
Non-interest Income Ratio (%)
36.02
29.61
26.91
23.24
21.81
22.69
25.12
23.65
19.31
Note:
- Non-interest Income Ratio = Non-interest Income/Total Operating Income - net
- Net Premium Earned - net Net Premium Earned less Underwriting Expense
- The Bank and its subsidiaries have adopted TFRIC 13: Customer Loyalty Programmes since January 1, 2014 onwards
บริการทุกระดับประทับใจ
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