KASIKORNTHAI Regulatory Capital and Financial Performance Update
K
KASIKORNTHAI
Consolidated Financial Statements
Statements of Comprehensive Income (Bt mn)
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
2021
2022
3Q22
4Q22
1Q23
2Q23
3Q23
9M23
Interest income
Interest expenses
Interest income - net
Fee and service income
135,415
151,333
37,620
41,421
42,441
45,215
47,236
134,892
16,024
18,334
4,532
5,274
7,566
8,514
9,217
25,297
119,390
132,998
33,088
36,148
34,875
36,701
38,019
109,595
48,628
48,345
12,099
12,197
12,529
11,877
12,177
36,583
Fee and service expenses
13,312
15,463
3,974
4,418
4,415
4,163
4,374 | 12,951
Fee and service income - net
35,316
32,882
8,125
7,779
8,114
7,714
7,803 | 23,631
Gain (Loss) on financial instrument measured at FVTPL
5,539
5,053
144
4,674
3,671
3,525
797 | 7,993
Share of profit (loss) from investments using equity method
(694)
115
(40)
54
(0.01)
(182)
105
(77)
Gain (Loss) on investments
817
(130)
(17)
38
(152)
(212)
230
(135)
Net premium earned
69,360
66,056
17,853
18,091
18,422
15,361
15,906
49,689
Other operating income
1,289
2,123
614
675
512
532
673
1,717
Total operating income
234,328
242,542
60,606
67,973
66,419
64,556
64,386
195,361
Underwriting expenses
70,979
69,285
18,871
18,574
19,845
16,487
17,271
53,602
Total operating income - net
163,349
173,258
41,735
49,399
46,574
48,070
47,115
141,759
Total other operating expenses
71,044
74,753
18,251
21,042
19,793
20,847
19,821
60,461
Earning Before Provision and Tax
92,305
98,505
23,484
28,358
26,781
27,223
27,294
81,298
Expected Credit Loss
40,332
51,919
9,948
22,784
12,692
12.784
12,793 | 38,269
Impairment loss of loans and debt securities
Operating profit before income tax expenses
51,973
46,585
13,536
5,574
14,089
14,439
14,501 | 43,029
Income tax expenses
9,729
8,633
2,546
933
2,562
2,760
2,838
8,161
Net profit attributable:
Equity holders of the Bank
38,053
35,769
10,574
3,191
10,741
10,994
11,282
33,017
Non-controlling interest
4,192
2,183
416
1,450
786
685
381
1,852
Statements of Financial Position (Bt mn)
Loans to customers
Total Assets
Deposits
Total Liabilities
Total Equity attributable to equity holders of the Bank
2021
2022
3Q22
4Q22
2Q23
3Q23
9M23
2,421,813 2,495,077 2,464,277 2,495,077 2,465,031 2,449,289 2,438,026 | 2,438,026 |
4,103,399 4,246,369 4,229,795 4,246,369 4,238,084 4,268,100 4,266,004 4,266,004 |
2,598,630 2,748,685 2,659,896 2,748,685 2,713,372 2,709,500 2,680,655 2,680,655
3,566,724 3,679,289 3,672,187 3,679,289 3,661,550 3,687,141 3,676,666 3,676,666
476,714 503,270 500,248 503,270 512,421 516,353 525,160
1Q23
525,160
Note: KBank acquired additional ordinary shares in MTGH, to hold a 51% stake valued at Bt7,529mn; the MTGH Acquisition was completed on November 30, 2009. As the MTGH acquisition was completed on
November 30, 2009, the Bank's consolidated financial statements from 2010 include the performance of companies in the MTGH Group for the whole year.
บริการทุกระดับประทับใจ
71
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Earnings Before Provision and Tax (EBPT) and Net Profit
September 2023 (Consolidated)
EBPT
Net Profit
(Bt bn)
(Bt bn)
100
87.76 84.89
92.31
98.50
60
81.30
38.73
80
38.05 35.77
40
33.02
29.49
60
40
20
20
0
0
2019
2020
2021
2022
9M23
2019
2020
2021
2022
9M23
9M23 net profit increased 1.35% YoY, due to EBPT improvement, while expected credit loss increased.
EBPT (Bt bn)
2020
84.89
EBPT Growth (% YoY)
2019
87.76
0.72% (3.27%) 8.73% 6.72%
2021
92.31
2022
98.50
9M22
70.15
(0.16%)
9M23
81.30
15.90%
1Q23
26.78
15.32%
2Q23
27.22
16.14%
3Q23
27.29
16.23%
Net Profit (Bt bn)
38.73
29.49
38.05
35.77
32.58
Net Profit Growth (% YoY)
0.70%
(23.86%) 29.05% (6.00%) 15.73%
33.02
1.35%
10.74
(4.19%)
10.99
1.86%
11.28
6.69%
บริการทุกระดับประทับใจ
72View entire presentation