KASIKORNBANK Analyst Meeting Presentation
K
KASIKORNTHAI
Asset Quality and Expected credit loss (Provision)
December 2021 (Consolidated)
Expected credit loss (Provision)
During 1997
(Bt bn)
Asian Crisis*
50.6
54
48
44.1
42
36
30
24
16.8
18
14.2
11.7
12
9.4
6.7 7.3 8.4
6
2.3
0
Coverage Ratio
1
During 1997
Asian Crisis*
I
(%)
150
41.8
43.5
40.3
33.8
32.5 34.0
100
26.4
50 34.7
0
25.4 30.0 34.2
48.8
160.6
127.1 131.8 134.5 141.4
148.6 149.2
130.0
148.5
111.0
130.9
91.6
159.1
1996 1997 1998 1999 2000 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
1996 1997 1998 1999 2000 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
Note: Provision referred to Impairment Loss on Loans and Debt Securities;
from January 1, 2020 onwards based on TFRS9, provision refers to Expected Credit Loss
NPL Ratio and Credit Cost
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
I Asset quality remains manageable;
closely monitored and constantly
reviewed.
NPL ratio in Y2021 was at 3.76%,
with coverage ratio of 159.08%.
■Y2021 credit cost was 173bps,
maintain conservative assumptions
and prudent financial policy amid
high uncertainties related to new
wave of COVID-19 (Omicron).
During 1997 Asian Crisis*
(%)
45
42.0
888
(bps)
900
០ ៣១ ៣៩ ៨៩៩៦
40
35
NPL ratio
Credit Cost
723
31.7
700
30
23.5
500
25
15
NPL was peak at
287 42.3% in 1Q99
15.9
168 204
239
44
5
5.1
14
102
85
66 64 66
3.76 3.76 2.45
2.16 2.11 2.24 2.70
96
175 174
3.65
3.32 3.30 3.34
205 173
300
3.93 3.767
100
-100
1996 1997 1998 1999 2000 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020** 2021
NPL Ratio by Business
Corporate Business
SME Business
Retail Business***
2016 2017 2018 2019
2020 9M21
<2% <2% <2% <2% <2% <2%
-5% -5% -5% -6% <7%
<7%
-4% -4% -4% -4% <5% <5%
Notes: * Data in 1996-1997 is KBank only
** 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).
*** NPL ratio in retail business, excluding 180 dpd (days past due) of credit card and consumer loans for peer comparison
K
KASIKORNTHAI
ROA and ROE
December 2021 (Consolidated)
2.5
2.0
505050
22
1.5
1.0
0.5
0.0
(%)
Co
1.20
ROA (%)
ROE (%)
ROA
บริการทุกระดับประทับใจ
ROE**
(%)
24
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
16
1.27
1.20
0.85 0.98
2262% 40
20
10.24
12
10.61
9.90
8.44
7.10
8
2017 2018 2019 2020* 2021
2017
2018
2019 2020* 2021
2017
2018
2019
2020
2021
1Q21
2Q21
3Q21
4Q21
1.20
1.27
1.20
0.85
0.98
1.14
0.93
0.87
0.97
10.24
10.61
9.90
7.10
8.44
9.57
8.11
7.44
8.70
9
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).
** ROE = Net profit (attributable to equity holders of the Bank) deduct dividend from other equity instruments after income tax divided by average equity of equity excluded
other equity instruments
บริการทุกระดับประทับใจ
10
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