KASIKORNBANK Strategic Acquisition
K
KASIKORNTHAI
1Q22 Financial Performance
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Consolidated
NIM
2021 Actual
1Q22 Actual
Y2022 Targets
Notes
3.21%
3.19%
3.15-3.30%
1Q22 NIM increased YoY, mainly due to higher yield on
loans and lower cost of funds
1.51% YTD
Loan Growth
7.88%
6-8%
6.77% YoY
Net Fee Income
7.01%
-6.36% YoY
Growth*
Cost to Income
43.49%
42.82%
Ratio**
Credit Cost per year
173 bps
153 bps
(bps)
NPL Ratio (Gross)***
3.76%
3.78%
ROE****
ROA
8.44%
0.98%
9.30%
1.09%
1Q22 YTD loans grew mainly from corporate business.
1Q22 Net fee income decreased from relatively large base
Flat growth in 1Q21; mainly from fund management business inline
with market condition.
1Q22 Cost to income increased YoY from higher
Low to operating expenses (mainly from IT and Marketing),
though net total income increased. Focus on cost
Mid-40s
management and productivity improvement, with new
investments for future growth.
Credit Cost: Inline with target. Continuous prudent
Up to 160 bps consideration on factors amid the economic growth that
remains uncertain from COVID-19 situation and global
economic outlook. Asset quality is manageable with
closely monitored and constantly reviewed. Relief
measures help limit short-term impact on asset quality,
while focusing more on comprehensive debt restructuring.
3.7-4.0%
N/A
N/A
Note: *Net Fee Income = Fees and Service Income - Fees and Service Expense; ** Cost to Income Ratio = Total Other Operating Expenses to Total Operating Income - net (Total Operating income less Underwriting
Expenses); *** NPL Ratio (Gross) = NPL (gross) to total loans; NPL (gross) used in the calculation are loans to general customers and loans to financial institutions that are non-performing loans; total loans used in the
calculation are loans to general customers and loans to financial institutions **** ROE = Net profit deducted Additional Tier 1 dividend after tax/Average total equity excluded Additional Tier 1
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7
K
KASIKORNTHAI
Y2022 Financial Targets
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
NIM
Consolidated
Loan Growth
2021
Actual
2022
Targets
3.21%
3.15 -3.30%
7.88%
6-8%
Net Fee Income Growth*
7.01%
Cost to Income Ratio**
43.49%
Credit Cost per year
(bps)
173 bps
NPL Ratio (Gross)***
3.76%
ROE****
ROA
8.44%
0.98%
Flat growth
Low to
Mid-40s
Notes (Y2022)
Maintain NIM from small ticket size lending strategy; remain
cautious with COVID19 situation; stable interest rate outlook
Loans increase from small ticket size (retail and SME) lending,
using effective data analytics capability; ongoing regional
expansion strategy
Net fee income growth may decrease from lower conventional
transaction fees mainly caused by changing consumer behavior;
relatively large net fee income base in the year before; subject to
market condition
Moderate revenue growth due to a mild economic recovery while
projecting higher potential investment expenses for future growth;
continuing cost management and productivity improvements
Credit Cost: Prudent policy, maintain conservative assumptions
Up to 160 bps on COVID19 situation; credit cost remains stable
3.7-4.0%
N/A
N/A
NPL: Proactive asset quality management, utilizing effective data
analytics to monitor asset quality; asset quality will slowly recover,
in line with mild economic recovery
Note: *Net Fee Income Fees and Service Income - Fees and Service Expense; ** Cost to Income Ratio = Total Other Operating Expenses to Total Operating Income - net (Total Operating income less
Underwriting Expenses); *** NPL Ratio (Gross) = NPL (gross) to total loans; NPL (gross) used in the calculation are loans to general customers and loans to financial institutions that are non-performing loans; total
loans used in the calculation are loans to general customers and loans to financial institutions **** ROE = Net profit deducted Additional Tier 1 dividend after tax/Average total equity excluded Additional Tier 1
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