KASIKORNTHAI Regulatory Capital and Financial Performance Update
K
KASIKORNTHAI
Net Fee Income and Structure
September 2023 (Consolidated)
Net Fee Income
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Net Fee Income by Products
(Bt bn)
100%
36.74
6%
7%
40
35.32
33.00
32.88
13%
13%
12%
90%
6%
Others
8%
4%
30
23.63
6%
I
80%
(such as capital market business, etc.)
Brokerage Business
20
22%
24%
26%
23%
70%
22%
10
6%
60%
6%
3%
0
3%
6%
8%
7%
2019
2020
2021
2022
9M23
50%
4%
4%
4%
21%
21%
Net Fee Income to Net Total Operating Income
40%
20%
17%
17%
■Fund Management Business
(mainly from mutual fund and securities
service fees)
Trade Finance
Cash management
(such as fees from payroll accounts)
■Commercial Credit
(%)
30%
30
22%
21%
15%
15%
22.89
20%
17%
■Transaction Services
21.31 21.62
(such as ATM & debit cards, bill payments,
18.98
money transfers, etc.)
20
16.67
10%
13%
13%
16%
17%
■Credit Cards Business
12%
(mainly from credit card, merchant fees)
0%
10
2019
2020
2021
2022
9M23
0
2019
2020
2021
2022
9M23
9M23 net fee income decreased -5.86% YoY mainly from brokerage business in line with
market conditions, and a drop in transaction service fees.
2019
Fee Income (Bt bn)
50.58
2020
45.70
2021
2022
9M22
9M23
1Q23
2Q23
3Q23
48.63
48.35
36.15
36.58
12.53
11.88
12.18
Fee Income-net (Bt bn)
Fee Income Growth (% YoY)
36.74
33.00
35.32
32.88
25.10
23.63
8.11
7.71
7.80
Net Fee Income Growth (% YoY)
Net Fee Income to Net Operating Income Ratio (%)
Note:
On the consolidated basis, Bancassurance fees are not included in net fee income since November 30, 2009, due to the
elimination of inter-company transactions (the accounting treatment from the Muang Thai Group Holding consolidation)
- Loan related fee in 9M23 was 16% of loan related and non-loan related fees - net
บริการทุกระดับประทับใจ
(1.19%) (9.65%) 6.41% (0.58%)
(3.61%) (10.17%) 7.01% (6.89%)
(0.70%)
1.20%
1.31%
(5.51%)
(5.86%)
(8.13%)
1.66%
(5.31%)
0.65%
(3.96%)
22.89
21.31
21.62
18.98
20.27
16.67
17.42
16.05
16.56
75
K
KASIKORNTHAI
Other Operating Expenses
September 2023 (Consolidated)
Other Operating Expenses Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
(Bt bn)
74.75
72.73
70.00
71.04
70
I
60.46
29%
30%
Other expenses
60
29%
28%
Taxes and duties
I
28%
50
7%
8%
8%
7%
Premises and equipment expenses
40
18%
16%
15%
8%
17%
■Directors' remuneration
2%
030
0.2%
14%
20
30
20
Employee's expenses
20
46%
46%
49%
46%
49%
10
0
2019
2020
2021
2022
9M23
9M23 other operating expenses increased 12.57% YoY, partly due to an increase in employee expenses from
cost of living subsidy measures, which were one-time expenses and an increase in customer service expenses
according to business volume.
Other Operating Expenses (Bt bn)
2019
72.73
2020
70.00
2021
71.04
2022
74.75
9M22
53.71
9M23
60.46
1Q23
19.79
2Q23
20.85
3Q23
19.82
Other Operating Expenses Growth (%YoY)
6.41%
(3.76%) 1.50%
5.22%
6.22%
12.57%
13.82%
15.37%
8.60%
บริการทุกระดับประทับใจ
76
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