KASIKORNBANK Strategic Acquisition
K
KASIKORNTHAI
Asset Quality and Expected credit loss (Provision)
March 2022 (Consolidated)
Expected credit loss (Provision)
During 1997
(Bt bn)
Asian Crisis*
54
50.6
48
44.1
42
36
30
24
16.8
18
12
62.3
141.4
127.1131.8 134.5
130.0
111.0
Coverage Ratio
During 1997
Asian Crisis*
(%)
150
41.8
43.5
40.3
33.8
32.534.0
100
26.4
14.2
11.7
6.7 7.3 8.4
0.7
50 34.7
9.3
48.8
25.4 30.0 34.2
0
160.6
148.5
130.9
48.6149.2 159.1158.3
1996 1997 1998 1999 2000 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 1022
1996 1997 1998 1999 2000 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 1022
Note: Provision referred to Impairment Loss on Loans and Debt Securities;
from January 1, 2020 onwards based on TFRS9, provision refers to Expected Credit Loss
During 1997 Asian Crisis*
(%)
888
44522505
42.0
723
31.7
35
30
23.5
NPL was peak at
287 42.3% in 1Q99
15
15.9
10
44
5.1
0
NPL Ratio and Credit Cost
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
I Asset quality remains manageable;
closely monitored and constantly
reviewed.
NPL ratio in 1Q22 was at 3.78%,
with coverage ratio of 158.33%.
1Q22 credit cost was 153bps, in
line with target. Continuous
prudent consideration on factors
amid the economic growth that
remains uncertain from COVID-
19 situation and global economic
outlook.
(bps)
900
NPL ratio
Credit Cost
700
500
239
204
168
300
205
66
64
14
96
85
66
2.91 2.45 2.16
2.11 2.24 2.70 3.32
3.30 3.34
175 174
3.65 3.93 3.76 3.78
173 153
100
NPL Ratio by Business
Corporate Business
SME Business
-100
1996 1997 1998 1999 2000 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020** 2021 1Q22
Retail Business***
2017
2021
2018 2019 2020
1Q22
<2% <2% <2% <2% <2% <2%
-5% -5% -6% <7% <7% <7%
-4% -4% -4% <5% <5% <5%
Notes: * Data in 1996-1997 is KBank only
** 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 before Y2020, which were based on the prior accounting standards (non-TFRS9).
*** NPL ratio in retail business, excluding 180 dpd (days past due) of credit card and consumer loans for peer comparison
K
KASIKORNTHAI
ROA and ROE
March 2022 (Consolidated)
ROA
บริการทุกระดับประทับใจ
(%)
24
ROE**
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
(%)
2.5
20
2.0
16
1.5
1.27
10.61
1.20
12
9.90
0.98
1.09
8.44
9.30
0.85
7.10
1.0
8
0.5
4
0.0
0
ROA (%)
ROE (%)
2018 2019 2020* 2021 1Q22
2018 2019 2020* 2021 1Q22
2018
2019
2020
2021
1Q21
1Q22
4Q21
1Q22
1.27
1.20
0.85
0.98
1.14
1.09
0.97
1.09
10.61
9.90
7.10
8.44
9.57
9.30
8.70
9.30
Note: 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 before Y2020, which were based on the prior accounting standards (non-TFRS9).
** 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
บริการทุกระดับประทับใจ
15
16View entire presentation