KBank's Strategic Acquisition in Muang Thai Group Holding
K
KASIKORNTHAI
Interest Income - net
March 2023 (Consolidated)
Interest Income and Interest Expenses
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Interest Income - net
(Bt bn)
(Bt bn)
151.33
133.00
160.00
130.18
135.41
140.00
127.59
140.00
120.00
119.39
102.69
109.02
120.00
100.00
100.00
80.00
80.00
60.00
60.00
| 42.44
34.88
40.00
40.00
27.49
18.57
16.02
18.33
20.00
20.00
7.57
0.00
0.00
2019
2020
2021
2022
1Q23
2019
2020
Interest income
2021
2022
1Q23
Interest expenses
1Q23 net interest income increased 9.84% YoY, mainly due to an increase in interest income from loans to customers,
while interest expense increased according to the resumption of the contribution from financial institutions to the FIDF to
its normal level of 0.46%.
Interest Income (Bt bn)
Interest Expenses (Bt bn)
Interest Income - net (Bt bn)
Interest Income - net (% Growth YoY)
2019
2020
130.18 127.59
27.49 18.57
2021
135.41
16.02
2022
1Q22
1Q23
4Q22
1Q23
151.33
18.33
35.92
42.44
41.42
42.44
4.17
7.57
5.27
7.57
102.69
4.21%
109.02
6.17%
119.39
9.51%
133.00
31.75
34.88
36.15
34.88
11.40%
12.86%
9.84%
17.36%
9.84%
Note: Contributions from MTL's insurance business to KBank include non-interest income (e.g. net-premium earned-net), and interest income (e.g. interest income from investment portfolio);
however, all income sources from MTL will be netted with non-controlling interests.
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Non-interest Income and Structure
March 2023 (Consolidated)
Non-interest Income to Average Assets
Non-interest Income Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Net Premium Earned and
Underwriting Expenses
75
(%)
(Bt bn)
4
120
(Bt bn)
100 80.4980.65
3
65
1.79
60
57.80
(+2%)
80
72.13 72.56
69.36 70.98
69.28
66.06
60
2
996
1.32
55
1.13 0.96
1.10
50
45.87
(-21%)
40
43.96
(-4%)
18.42 19.85
20
40.26
0
1
45
(-8%)
2019
40
2020
Net premium earned
2021
0
64%
2022
1Q23
Underwriting expenses
35
2019 2020 2021 2022
Non-interest Income Ratio
1Q23
30
72%
Net Premium Earned - net
80%
25
82%
I 11.70
20
(Bt bn)
15 0.1% 5%
1 (32% YoY)
14
(%)
15%
10
10
60
5
14%
18%
50
0
-0.3%
36.02
40
I
-5
2019
-0.4%
-1% 2020
8%
13%
-4%2021
0.3% 9%
69% 31%
8%
13%
6
0%
-0.32022
29.61
26.91
1023-12%
-1%
2
-0.16
30
23.24 25.12
-2
Other operating income
20
Dividend Income
10
0
Gain on investments
Net earned premium-net
2019 2020 2021 2022 1Q23
-8%
Fee and Service Income net
■Share of profit from investments on equity method-6
Gain on financial instrument measured at FVTPL
(Gain on Trading and FX transactions-Old)
2019
2020
1Q23
Contributions from MTL's insurance business to KBank
include non-interest income (e.g. net-premium earned-
net), and interest income (e.g. interest income from
investment portfolio); however, all income sources from
MTL will be netted with non-controlling interests.
-0.44 -1.62
-3.23
I-1.42
2021
2022
Non-interest Income (Bt bn)
2019
57.80
2020
45.87
Non-interest Income Growth (%YoY)
Non-interest Income Ratio (%)
1.51%
(20.65%)
36.02
29.61
2021
43.96
(4.17%)
26.91
2022
40.26
(8.42%)
23.24
1Q22
8.86
1Q23
11.70
4Q22
13.25
1Q23
11.70
(25.49%) 32.00%
21.82 25.12
13.04%
32.00%
26.83
25.12
Note:
- Non-interest Income Ratio = Non-interest Income/Total Operating Income - net
- Net Premium Earned - net Net Premium Earned less Underwriting Expense
- The Bank and its subsidiaries have adopted TFRIC 13: Customer Loyalty Programmes since January 1, 2014 onwards
บริการทุกระดับประทับใจ
76
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