KASIKORNBANK Analyst Meeting Presentation slide image

KASIKORNBANK Analyst Meeting Presentation

K KASIKORNTHAI Net Interest Margin December 2021 (Consolidated) NIM (%) 8.00 ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Yield on Earnings Assets and Cost of Fund (%) 5.45 5 6.00 5.29 5.21 4.82 1 4.71 4 3.44 3.39 3.31 3.27 3.21 4.37 4.27 4.19 Yield on Loans 3.83 3.64 3 4.00 Yield on Earnings Assets 2 1 2.00 1.22 1.19 1.23 0.78 0 0.59 Cost of Fund 2017 2018 2019 2020** 2021 1.11 1.11 1.14 0.71 0.00 2017 2018 2019 0.54 Cost of Deposits* 2021 2020* ■NIM was 3.21% in Y2021, decreasing YoY, due to lower yield on loans from interest rate cut, deterioration of asset quality and loans in relief measures, despite of lower cost of funds. High portion of CASA (82%) also helped support low cost of fund. 2017 2018 2019 2020 2021 1Q21 2Q21 3Q21 4Q21 NIM (%) 3.44 3.39 3.31 3.27 3.21 3.16 3.22 3.23 3.15 Yield on Earnings Assets (%) 4.37 4.27 4.19 3.83 3.64 3.59 3.64 3.66 3.58 Yield on Loans (%) 5.45 5.29 5.21 4.82 4.71 4.56 4.67 4.71 4.65 Cost of Fund (%) 1.22 1.19 1.23 0.78 0.59 0.60 0.58 0.59 0.59 Cost of Deposits (%), incl DPA 1.11 1.11 1.14 0.71 0.54 0.55 0.54 0.54 0.53 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 2 years, according to the BOT announcement in the Royal Gazette, during January 2020 to December 2021. ** 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 December 2021 (Consolidated) Cost to Income Ratio ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Cost to Average Assets Ratio (%) (%) 50 42.31 43.96 45.32 45.19 43.49 6 40 42.31 2.26 2.26 30 2.01 1.83 20 2 10 0 0 2017 2018 2019 2020* 2021 2017 2018 2019 2020* 2021 Y2021 cost to income ratio was 43.49%, within target range and improved YoY from an increase of net total income and continue focusing on cost management and productivity improvement, with new investments for future growth. 2017 Cost to Income Ratio (%) 42.31 2018 43.96 2019 45.32 2020 45.19 2021 43.49 1Q21 2Q21 3Q21 4Q21 41.30 41.78 42.47 48.16 Cost to Average Assets Ratio (%) 2.31 2.26 2.26 2.01 1.83 1.78 1.78 1.71 2.01 11 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 12
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