KASIKORNBANK Economic and Subsidiaries Performance Overview
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Growth Strategy: Reimagine Commercial & Consumer Lending
■To increase consumer credit customer and support SME business with better asset quality
To offer lending services with reasonable pricing to customers to include everyone in society
Strategy
Penetrate Consumer Credit
Expand our credit portfolio through secured loan to minimize
risk and selectively acquire unsecured-loan customer focusing
on fraud detection and credit monitoring. Up- and cross-sell to
capture more revenues from potential existing customers and
promptly manage at-risk customers.
Support SME Business
Promote business growth and ensure the long-term success of
our SME customers by fostering the development of "healthy"
SME customers and expediting assistance for those in a
vulnerable state to maximize their recovery.
Leverage CBS relationship
Remain competitive by "explore-and-seize" new business
opportunities and supporting the transition into a low-carbon
business model.
Note: CBS Corporate Business Segment
Key Achievements in 1H23
New-to-KBank Credit Customers
.
•
195K newly acquired credit customers
Bt52bn new booking amount (51% of total new booking) from
New-to-KBank credit customers
Self-apply channel on K PLUS for unsecured credit
•
972K applications/month including both commercial and consumer
products
Bt50bn new booking amount from existing customers
Bt8bn new booking for "Green"
Bt1bn new booking with partners
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K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Growth Strategy: Democratize Investment & Insurance
(848)
To create long-term sustainable wealth empowerment to our customers throughout their wealth cycle
Aspiration to grow wealth AUM and to acquire new investment and insurance customers
Strategy
Key Achievements in 1H23
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Comprehensive Product Offerings
o Personalized/customized product offerings to match
customers' profiles with competitive return and benefits
o Product office transformation for advisory and product
Sale & Service Model Enhancement with Digital
Technology Enablement
。 Strengthening RM capability with wealth practitioners and
wealth-advisory platform
。 Developing digital wealth app for integrated product suites
with advisory contents and holistic portfolio
。 Enhancing service and support through K-Wealth call
center
K-Wealth Brand Strengthening
o Top of mind in Wealth Management
Significant Mutual Fund AUM Growth by Bt42bn or 4.3% YTD growth,
which is higher than industry 1.7%. Main driver is sales volume of Term
Fund due to attractive government bond yield
°
Multi-Asset/Balanced Fund AUM grew by 69% YTD as we
recommend this fund type as a core product to enhance returns while
coping with a volatile market
New Mutual Fund customers grew by 7.2% YTD and over 90% from
K PLUS
Launched Varieties of Affordable Insurance matching needs of each
customer segment
Middle Income Customers
•
Endowment 15/6 for Tax Saving and Goal-Based saver
Affluent customers
•
OPD lumpsum for customer concern about medical expense
SME customers
Kark
Group health insurance for employee welfare
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