Creating the Future of Finance - Breakthrough Innovation
K
KASIKORNTHAI
2022 Performance Highlights
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
expected credit loss, while EBPT improved from higher
income, as a result of the Bank's strategic and interest
rate direction, and efficient expense management.
Y2022 loans grew 3.03% YoY, mainly from corporate
business and small ticket lending (SME and Retail)
while home loan decreased. However, loans decreased
in 2H22 from NPL outflow management.
Consolidated
Net Profit (Bt bn)
2021
1Q22
2Q22
3Q22
4Q22
2022
Y2022 net profit decreased 6.00% YoY, due to higher
38.05
11.21
10.79
10.57
3.19
35.77
Profitability
- NIM
- ROE*
- ROA
- YTD Loan growth
3.21%
3.19%
3.21%
3.33%
3.62%
3.33%
8.44%
9.30%
9.13%
8.49%
2.63%
7.38%
0.98%
1.09%
1.04%
1.00%
0.30%
0.86%
7.88%
1.51%
2.79%
1.75%
3.03%
3.03%
- YoY Loan growth
7.88%
6.77%
4.45%
0.83%
3.03%
3.03%
- YoY Net fee income growth
7.01%
(6.36%) (5.00%)
(5.09%)
(11.09%)
- YoY Non-interest income growth
(4.17%)
(25.49%)
(14.72%)
(6.04%)
13.04%
(6.89%)
(8.42%)
Cost control
- Cost to income
43.49%
42.82%
43.53%
43.73%
42.60%
Asset quality
- NPL ratio
- Credit Cost
3.76%
1.73%
3.78%
3.80%
3.07%
1.53%
1.59%
1.61%
3.19%
3.68%
- Coverage ratio
Loans to Deposits
Tier 1 Ratio
CAR
159.08%
158.33%
144.61%
148.74%
154.26%
3.19%
2.11%
154.26%
93.20%
93.31%
93.18%
92.65%
90.77%
16.49%
16.35%
16.39%
17.21%
16.84%
18.77%
18.34%
18.37%
19.19%
18.81%
90.77%
16.84%
18.81%
Note: Under Bank of Thailand regulations, net profit in the first half of the year is counted as capital after approval by the Board of
Directors as per Bank regulations. Net profit in the second half of the year is counted as capital after approval of the General
Meeting of Shareholders. However, when a net loss occurs, the capital must be reduced immediately
Capital Adequacy Ratio (CAR) has been reported in accordance with Basel III Capital Requirement from January 1, 2013
onwards. CAR is based on KASIKORNBANK FINANCIAL CONGLOMERATE. KASIKORNBANK FINANCIAL CONGLOMERATE
means the company under the Notification of the Bank of Thailand re: Consolidated Supervision, consisting of KBank,
K Companies, and subsidiaries operating in supporting KBank, Phethai Asset Management Co., Ltd., and other subsidiaries
within the permitted scope of the BOT's definition to be a financial conglomerate
NIM was 3.33% in Y2022, increased YoY, due to higher
yield on loans as small ticket lending (SME and Retail)
increased, and higher lending rates.
43.15% Y2022 net fee income decreased 6.89% YoY, mainly
due to a decrease in fees from fund management and
brokerage business in line with market conditions and
drop in transaction service fee rate, while fees from card
business increased according to customer spending.
Y2022 cost to income ratio was 43.15% decreased YoY,
from net total income increased, while higher operating
expense (mainly from marketing and IT expense). Focus
on cost management and productivity improvement, with
new investments for future growth.
* 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
■NPL ratio in Y2022 was at 3.19%, with a coverage ratio
of 154.26%, from proactively embarking and cooperating
with professional partners to enhance the effectiveness
of NPL management. Asset quality is manageable with
closely monitored and constantly reviewed.
■Y2022 capital base remained sufficient to support
business growth.
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Consolidated Financial Statements
ธนาคารกสิกรไทย
开泰银行 KASIKORN BANK
Statements of Comprehensive Income (Bt mn)
2020
Interest income
Interest expenses
Interest income - net
Fee and service income
127,592
2021
135,415
3Q21
4Q21
1Q22
2Q22
3Q22
4Q22
2022
34,828
35,010
35,924
36,367
37,620
41,421
151,333
18,570
16,024
4,087
4,210
4,174
4,355
4,532
5,274
18,334
109,022
119,390
30,741
30,800
31,751
32,012
33,088
36,148
132,998
45,699
48,628
11,949
12,224
12,367
11,683
12,099
12,197
48,345
Fee and service expenses
12,695
13,312
3,389
3,474
3,535
3,536
3,974
4,418
15,463
Fee and service income - net
33,004
35,316
8,560
8,749
8,832
8,147
8,125
7,779
32,882
Gain (Loss) on financial instrument measured at FVTPL
8,119
5,539
(184)
2,709
686
(452)
144
4,674
5,053
Share of profit (loss) from investments using equity method
Gain (Loss) on investments
(193)
(694)
(166)
(315)
(50)
151
(40)
54
115
1,308
817
286
85
(17)
(135)
(17)
38
-130
Net premium earned
72,129
69,360
17,255
18,156
15,718
14,393
17,853
18,091
Other operating income
1,682
1,289
214
401
427
406
614
Total operating income
227,456
234,328
57,655
61,254
58,218
55,745
60,606
675
67,973
66,056
2,123
242,542
Underwriting expenses
72,565
70,979
17,712
18,731
17,605
14,234
18,871
18,574
69,285
Total operating income - net
154,891
163,349
39,943
42,523
40,613
41,511
41,735
49,399
173,258
Total other operating expenses
69,997
71,044
16,965
20,478
17,390
18,070
18,251
21,041.64
74,753
Earning Before Provision and Tax
84,895
92,305
22,978
22,045
23,223
23,441
Expected Credit Loss
43,548
40,332
11,296
9,580
9,336
9,852
23,484
9,948
28,357.57
98,505
22,784.00
51,919
Impairment loss of loans and debt securities
-
-
Operating profit before income tax expenses
41,347
51,973
11,682
12,466
13,887
13,589
13,536
5,574
46,585
Income tax expenses
7,656
9,729
2,026
2,120
2,700
2,454
2,546
933
8,633
Net profit attributable:
Equity holders of the Bank
29,487
38,053
8,631
9,901
11,211
10,794
10,574
3,191
35,769
Non-controlling interest
4,203
4,192
1,025
445
(24)
341
416
1,450
2,183
Statements of Financial Position (Bt mn)
Loans to customers
Total Assets
Deposits
Total Liabilities
Total Equity attributable to equity holders of the Bank
2020
2021
3Q21
4Q21
1Q22
2Q22
2,244,821 2,421,813 2,444,018 2,421,813 2,458,263 2,489,420
3,658,798 4,103,399 4,029,831 4,103,399 4,133,248 4,187,779
2,344,998 2,598,630 2,531,290 2,598,630 2,634,409 2,671,536
3,167,512 3,566,724 3,507,795 3,566,724 3,585,865 3,642,814
439,670 476,714 464,367
476,714 488,192 488,963
3Q22
4Q22
2,464,277 2,495,077
4,229,795 4,246,369
2,659,896
3,672,187
500,248
2022
2,495,077
4,246,369
2,748,685 2,748,685
3,679,289 3,679,289
503,270
503,270
Note: KBank acquired additional ordinary shares in MTGH, to hold a 51% stake valued at Bt7,529mn; the MTGH Acquisition was completed on November 30, 2009. As the MTGH acquisition was completed on
November 30, 2009, the Bank's consolidated financial statements from 2010 include the performance of companies in the MTGH Group for the whole year.
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