Currency and Interest Rate Outlook
K
KASIKORNTHAI
Other Operating Expenses
June 2021 (Consolidated)
Other Operating Expenses Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
(Bt bn)
72.73
70.00
68.35
70 66.37
29%
Others
29%
60.
28%
27%
0.2%
50
0.2%
0.2%
0.2%
7%
■Directors' remuneration
7%
7%
7%
40
18%
19%
17%
19%
33.60
Taxes & Duties
30-
25%
0.3%
8%
20
17%
Premises & Equipment
47%
46%
46%
46%
10
50%
0
2017
2018
2019
2020*
1H21
■Employee's expenses
1H21 other operating expenses slightly increased 0.97% YoY, mainly due to an increase in employee
expenses, while premises and equipment expenses, and marketing expenses and debt management
expenses decreased; continued to focus on cost and productivity improvement and new investments
for future growth.
Other Operating Expenses (Bt bn)
Other Operating Expenses Growth (%YoY)
2017
2018
2019
2020
1H20
66.37
68.35
72.73
70.00
33.28
1H21
33.60
1Q21
16.53
2Q21
17.07
3.94%
2.98%
6.41%
(3.76%)
(1.41%) i 0.97%
(5.44%) i
8.06%
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).
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Loan Structure and Loan Growth
June 2021 (Consolidated, TFRS 8: Operating Segments*)
Loan Portfolio Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Loan Portfolio
Bt bn
2,400
Consolidated
2,245 2,383
Amount (Bt bn)
Dec 20
Jun21
1H21
1H21
Y2021
Loan Growth Yield Range Loan Growth Target
2,000 1,803 1,914 2,002
36% 35%
1,600
35% 36%
34%
1,200
800
400
36%
35%
34%
33%
24%
25% 28%
0
5%
2017
4%
4%
2018 2019 2020
28%
3%
33%
29%
3%
1H21
Corporate
■SME
■Retail
Others
(%)
(%)
Corporate Loans
814
834
2.5%
2-4%
SME Loans
733
782
6.7%
5-7%
(%)
1-3%
2-4%
Retail Loans
638
695
8.9%
5-7%
11-13%
Other Loans
Total Loans
60
2,245
72
19.6%
2,383
6.2%
4.6%
4-6%
Loan Growth (% YoY)
Note: From time to time, the Bank has adjusted loan definitions based on loan portfolio management; thus, the latest loan base is
not comparable with previous reports.
Loan by Retail Products (All Segments)
(%)
15
(Amount in Bt bn)
Dec 20
Jun 21
Y2020
12.13
12.06
Loan
Growth
10
6.20
6.17
4.59
5
(%)
1H21
Loan
Growth
(%YTD)
% Portion
to
Total Loan
Housing Loans
390
423
19.9
8.4
17.8
0
Credit Cards
Consumer Loans
KLeasing
91
88
5.8
(3.7)
3.7
91
118
17.1
30.2
5.0
115
115
0.1
0.0
4.8
2017
2018
2019
2020
1H21
Loans (Bt bn)
2017
1,803
2018
2019
2020
1,914
2,002
2,245
1H20
2,127
1H21
2,383
Loan Growth (% YoY)
Loan Growth (% YTD)
6.20%
6.20%
6.17%
6.17%
4.59%
4.59%
12.13%
12.13%
10.01%
6.23%
12.06%
6.17%
1Q21
2,302
12.69%
2Q21
2,383
12.06%
2.56%
75
Note: *Since 1Q13, as per the Bank of Thailand's requirement, the Bank has complied with TFRS 8 (Operating Segments) to present operating results for each key segment in financial reports.
Loan Definition
6.17%
Corporate Loans: Loans Loans of KBank and KBank's Subsidiaries in Corporate Segments (Annual sales turnover > Bt400mn); SME Loans: Loans in SME Segments (Annual sales turnover ≤ Bt400mn);
Retail Loans: Loans in Retail Segments; Other Loans: Other Loans: Composed of loans through the insurance business (MTL), regional markets, and other loan types not directly attributable to the main
business groups. Since Y2020 onwards, loans in Enterprise Risk Management Division (NPL + Performing Restructured Loans) were reclassified to their customer segments.
- Housing Loans: KBank's housing loans to retail customer segments; Credit Cards: KBank's credit card loans to all eight customer segments;
Consumer Loans: KBank's consumer loans to retail customer segments; KLeasing: KLeasing's loans to all eight customer segments
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