Creating the Future of Finance - Breakthrough Innovation
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORN BANK
Deposits Growth and Loans to Deposits Ratio
December 2022 (Consolidated)
Deposits
Loans to Deposits Ratio
(Bt bn)
3,000
100%
2,599
2,749
2,345
96.6%
2,400
95.9%
95.7%
1,995
2,072
95%
93.2%
1,800
90.8%
1,200
90%
600
0
85%
2018
2019
2020
■Deposits
2021
2022
2018
2019
2020
Loans to Deposits
2021
2022
Deposits and Loans to Deposits Ratio is in line with peers.
2018
2019
2020
2021
2022
Deposits (Bt bn)
1,995
2,072
2,345
2,599
2,749
Deposits (% YoY)
6.2%
3.9%
13.2%
10.8%
5.8%
Deposits (% YTD)
6.2%
3.9%
13.2%
10.8%
5.8%
1Q22 2Q22 3Q22 4Q22
2,634 2,672 2,660 2,749
9.7% 7.7% 5.1% 5.8%
1.4%
2.8% 2.4% 5.8%
Loans to Deposits Ratio (%)
95.9% 96.6%
95.7%
93.2%
90.8%
93.3%
93.2% 92.7% 90.8%
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Funding Structure and Interest Rate Movement
December 2022 (Consolidated)
83
Funding Structure
Deposit Structure
(Bt bn)
2,889
3,053
(Bt bn)
2,800
2,599
2,749
3,200
2,502
6%
7%
2,345
2,800
2,194
2,236
2,400
3%
1,995
2,072
18%
18%
2,400
6%
4%
4%
3%
20%
2,000
3%
2,000
1,600
22%
23%
1,600
3%
4%
76%
1,200
76%
- CASA
1,200
93%
94%
90%
91%
74%
800
72%
71%
= 82%
91%
800
400
400
0
6%
6%
6%
6%
6%
0
2018
2019
2020
2021
2022
2018
2019
2020
2021
2022
Current
■Savings
Term
Deposits
■ST and LT Borrowings
Interbank and Money Market
KBank Interest Rate Movement (Retail customers)
ST and LT Borrowings
(%)
Deposit rates (%) (Jan 3, 2023)
(Bt bn)
7.00
Savings
0.25
125
103
6.00
Fixed 3M-12M
0.57-1.00
100
68
82
69
5.00
Fixed 24M-36M
1.15-1.35
75
71
4.00
87%
50
3.00
Lending rates (%) (Jan 5, 2023)
84%
100%
99%
97%
25
2.00
MLR
6.37
0.17%
16%
0.19%
1.32%
0
13%
3%
1.00
MOR
6.74
2018
2019
0.00
MRR
6.50
■ST Borrowing
2020
■■B/E & Others
2021
2022
LT Borrowing
2015 2016 2017 2018 2019 2020 2021 2022
MLR
Savings
Fixed3M
บริการทุกระดับประทับใจ
84
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