KASIKORNBANK Financial Overview
Indicated Benefits
K
EXCELLENCE
New IT Business Capabilities
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开泰银行 KASIKORNBANK.
Key Deliverables and Benefits in 2013
➤ New Core Banking System on Loans:
- Open possibilities to capture new business
opportunities
- Help shorten product development time
- Enhance product innovation capability
Corporate Payment System Enhancement:
- Create a Single Cash Management Platform
- Better serve customers in the areas of
Payment, Collection (Direct Debit), Balance
Reporting, and new Cash Management
Front-End
➤ New Branch Sales & Service and Call Center
System Enhancement:
- Create unique and consistent customer
experience across channels including new
infrastructure
New loan core banking system will start to go
live end of 2013 as planned, with gradual
deployment of new loan and deposit core
banking solutions and rollout to mitigate new
technology system risk
Capabilities from new core banking system on
loans will open possibilities to capture new
business opportunities
After 2013, gradual deployment of the
K-Transformation project will make the project
KBank's new standard business system
platform; the project budget will be included
as a part of KBank's regular annual IT budget
KBank's cost to income ratio will range in
mid-40s
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K
EXCELLENCE
New IT Business Capabilities Highlights
Completed foundation and launched
basic FIS and KOC
Average Product Holding
Set foundation around sales & services
for channels and new payments
2.78
2.46
Completed MSS rollout
in 1Q12
2.69
2.82
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开泰银行 KASIKORNBANK
Consolidated MSS across channels
and ITC launch
1.69
2.15
Non-interest Income to Average Asset (%)
1.96
1.97
2.14
2.08
2.20
1.95
1.62
Cost to Income Ratio (%)
53.95
51.54
50.92
50.57
47.53
45.00
40.02
ROE (%)
15.94
15.73
14.35
12.79
16.72
20.76
21.23
Y2007-2008: Old Financial Presentation
2007
2008
2009
2010
Y2009 onwards: New Financial Presentation
2011
A Completed
✓Branch
In Progress
New basic customer analytics and
marketing campaign
New basic financial
management,
reporting, and budgeting
✓KOC
marketing plan
✓New sales &
service pilot
rollout
✓Branch
campaign
integration
✔New basic
payment system
solution rollout
2012
1Q13
Pre-deployment of Legacy System;
system integration testing
2013 onwards
Consolidate sales & services across.
channels and advanced campaign capabilities
New loan core banking system will
start to go live end of 2013 as
planned, with gradual deployment of
new loan and deposit core banking
solution to mitigate new technology
system risk
New branch platform rollout
Note: In 2012, Average Product Holding calculation was adjusted in all eight customer segments to align with customer behavior; 2011 number were revised for comparison purposes
- Since January 1, 2011, financial statements have been reclassified per the Bank of Thailand's requirements; the 2009 and 2010 financial statements were restated and adjusted for comparison purposes
- KOC = Know Our Customers; MSS = Multi-Channel Sales and Services; ITC = Information Technology Capital
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