Creating the Future of Finance - Breakthrough Innovation
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Credit Card Loans/GDP
2.0 2.0 2.0 2.1 2.2 2.4 2.4 2.5 2.5 2.6 2.7 2.9 2.8
3.5
2.7
3.0
2.5
2.0
196,5
216,4
228,9
261,55
290,425
318,141
333,493
360.096
394.123
418,747
457,090
449,733
458,181
455,619
1.5
1.0
0.5
0.0
2013
2015 2017
2019 2021 3Q22
K
KASIKORNTHAI
Other Figures
Million Baht
Housing Loans / GDP
Million Baht
600,000
500,000
% to GDP
5,000,000
26.7 27.3 26.4
30
400,000
300,000
200,000
100,000
4,000,000
21.0 22.0 22.3 22.3 22.6 23.2
-25
0
19.4
2009
17.7 17.4 18.0 18.3
2011
20
3,000,000
15
2,000,000
1,000,000
0
10
10
Credit Card Loan Outstanding (LHS)
Credit Card Loan to GDP (RHS)
Note 1) Credit card loans represent outstanding credit card loans from commercial banks and non-banks,
excluding SFIs, saving cooperatives and others financial Institutions
Personal Loans/GDP
1,709,897
1,885,139
2,034,137
2.263.552
2,510,012
2,783,129
3,021,811
3,251,488
3.448.852
3,706,397
3,918,565
4.172.556
4.410.235
4.537.468
5
Million Baht
0
1,000,000
2009
2011
2013
2015
2017
2019
2021 3Q22
Housing Loans for Personal Consumption (LHS)
--% Housing Loans to GDP (RHS)
800,000
600,000
2.2
400,000
Note Housing loans represent outstanding housing loans for personal consumption
granted to individuals of householders by financial institutions (including
Commercial banks, Finance companies, Credit financiers, SFIs, and Insurance
companies but excluding Saving Cooperatives and others financial Institution)
Source: BOT, NESDC
200,000
0
% to GDP
6.0
4.8
4.4
5.0
3.7
3.4
4.0
1.7 1.9 2.1 2.3 2.4 2.3 2.3 2.3 2.3
3.0
213,745
187,491
213,310
257,129
299,139
312,851
318,354
332,996
354,243
383,303
579,911
580,383
826,311
2.0
1.0
0.0
2015
2017
2019
2021 3Q22
% Personal Loans to GDP (RHS)
2009
2011
2013
Personal Loan Outstanding (LHS)
Note: 1) Personal Loans represent outstanding personal loans under supervision (including
commercial banks and non-banks, excluding SFIs, saving cooperatives and others
financial Institution)
บริการทุกระดับประทับใจ
161
K
KASIKORNTHAI
Other Figures
United States
Thailand
South Korea
Japan
Malaysia
Singapore
China
0
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Loans to GDP as of 2021
Thai Banks' Net Loan Growth and NPL Ratio
% YoY
% to Total
66.9
93.5
15 5.23
Loans
6
12
5
99.7
3.89
9
2.94
2.99 3.08 3.09 3.14 3.25 3.12 2.92
4
101.1
6
2.44 2.31 2.31
2.69
3
123.9
3
2
12.5 15.1 14.0 10.5 4.2 3.4 1.3 4.3 5.2 1.9 6.1 5.4 4.6
0
1
152.0
% of GDP
-3
168.5
-0.5
2009
0
2011
2013
2015
% YoY Net Loan Growth
2017
2019
2021 9M22
▬▬▬% Gross NPL Ratio
50
100
150
200
Note: Data on China, Korea and Japan include loans from commercial banks as well as financial
institutions, the rest include loans only from commercial banks
Credit Card Statistics
Note % YoY Net loans represent growth of net loans in 18 Thai commercial banks from C.B.1.1
Latest data for % Gross NPL is at 3.04% as of 2Q22.
GDP Per Capita
% YoY
22.3
225050524
19.9
Baht
250,000
11.3
12.8
15
11.1 9.7
10.2 8.7
200,000
4.0
6.7
7.2
8.6
3.9
1.8
6.0
10
-1.1
5.8
14.3 11.0 9.5 4.8 8.0 9.4 6.2 9.2
1.9
11.1
150,000
1.7
-5
-1.6
100,000
-10
Credit Card Loan Growth
Spending Growth
-11.3
-15
50,000
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 11M22
147,364
163,956
170,467
185,159
192,327
195,807
0
Note: The credit card statistics number includes foreign bank and non-bank credit cards
Source: BOT, NESDC, NSO, CEIC Data, and KResearch
2009
บริการทุกระดับประทับใจ
% YoY
20
3.2
5.7 5.4 5.2
2.9
3.2
10
-7.7
0
-10
202,151
213,586
225,095
236,861
243,705
224,962
232,176
-20
2012
GDP Per Capita
2015
2018
% YoY
2021
-30
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