KASIKORNBANK Strategic Acquisition
K
KASIKORNTHAI
Net Interest Margin
March 2022 (Consolidated)
NIM
(%)
8.00
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Yield on Earnings Assets and Cost of Fund
(%)
6.00
5.29
5
5.21
4.82
4.71
4.76
4
4.27
3.39
3.31
4.19
Yield on Loans
3.27
3.21
3.19
3.83
4.00
3.641
3.61
3
Yield on Earnings Assets
2
2.00
1.19
1.23
1
0.78
0.59
0.57 Cost of Fund
0
1.11
1.14
Cost of Deposits*
2018
2019
2020**
2021
1Q22
0.00
0.71
0.54
0.52
2018
2019
2020*
2021
1Q22
NIM was 3.19% in 1Q22, increasing YoY, due to higher yield on loans and lower cost of funds.
■ High portion of CASA (82%) also helped support low cost of fund.
2018
2019
2020
2021
1Q21
1Q22
4Q21
1Q22
NIM (%)
3.39
3.31
3.27
3.21
3.16
3.19
3.15
3.19
Yield on Earnings Assets (%)
4.27
4.19
3.83
3.64
3.59
3.61
3.58
3.61
Yield on Loans (%)
5.29
5.21
4.82
4.71
4.56
4.76
4.65
4.76
Cost of Fund (%)
1.19
1.23
0.78
0.59
0.60
0.57
0.59
0.57
Cost of Deposits (%), incl DPA
1.11
1.14
0.71
0.54
0.55
0.52
0.53
0.52
Note: Cost of deposits including contributions to the Financial Institutions Development Fund (FIDF) and Deposit Protection Agency (DPA).
* The FIDF fee is temporarily reduce from 0.46% to 0.23% for 3 years, according to the BOT announcement in the Royal Gazette, during January 2020 to December 2022.
** 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).
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Cost to Income Ratio
March 2022 (Consolidated)
Cost to Income Ratio
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Cost to Average Assets Ratio
(%)
(%)
50
43.96 45.32 45.19 43.49 1 42.82
6
40
4
30
2.26
2.26 2.01
1.83
1.69
20
2
10
0
0
2018
2019 2020* 2021
1Q22
2018 2019 2020* 2021 1Q22
1Q22 cost to income ratio was 42.82%, increased YoY from an increase in other operating expenses
(mainly from IT and Marketing), though net total income increased. Focus on cost management and
productivity improvement, with new investments for future growth.
Cost to Income Ratio (%)
Cost to Average Assets Ratio (%)
2018
2019
2020
43.96
45.32
45.19
2021
43.49
1Q21
1Q22
4Q21
1Q22
41.30
42.82
48.16
42.82
2.26
2.26
2.01
1.83
1.78 |
1.69
2.01
I
1.69
17
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).
บริการทุกระดับประทับใจ
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