KASIKORNBANK Analyst Meeting Presentation slide image

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 10
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