KASIKORNBANK Financial Overview
K
EXCELLENCE
Net Fee Income Structure (Bank only)
March 2013
Net Fee Income by Product
Bancassurance
16%
Trade Finance
6%
Others
10%
Credit Card
Business
15%
Transaction
Services
25%
Trade Finance
Cash
Commercial
Management Credit
6%
22%
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开泰银行 KASIKORNBANK
Credit Card Business (mainly from credit card merchant fees)
Transaction Services (such as ATM & debit cards, bill payments, money transfers, etc.).
Commercial Credit (mainly from commercial credit related fees)
Cash Management (such as fees from payroll accounts)
Bancassurance (fee income obtained from selling Bancassurance products).
Others (such as mutual funds, securities services, capital market business, etc.).
Loan Related and Non-loan Related Fees - net
Loan related
23%
Non-loan related
77%
Note:
- On the consolidated basis, Bancassurance fees are not
included, due to the elimination of inter-company transactions
(the accounting treatment from the Muangthai Group Holding
consolidation)
- On the consolidated basis, Net Premium Earned - net (Net
Premium Earned Less Underwriting Expenses) from Muang
Thai Life Assurance (MTL) is reported as a part of non-Interest
Income; KBank has a 38.25% economic interest in MTL
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K
EXCELLENCE
Cost to Income Ratio
March 2013 (Consolidated)
Cost to Income Ratio
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开泰银行 KASIKORNBANK
Cost to Average Assets Ratio
70 -(%)
(%)
6-
60
50.92
50.57 47.53 45.00 I
50
40.02
40
4
2.47
2.61
2.63
30
2.19
20
2
10
0
2009
2010
2011
2012
1Q13
0
2010
2011
2012
1Q13
1Q13 cost to income ratio was low, reflecting a normal seasonal pattern
Y2013 cost to income ratio is expected to range in the mid-40s
Cost management is in place in key areas
2009
2010
2011
2012
1Q12
1Q13
4Q12
1Q13
Cost to Income Ratio (%)
50.92
50.57
47.53
45.00
41.42
40.02
50.49
40.02
Cost to Average Assets Ratio (%)
n.a.
2.61
2.63
2.47
2.29
2.19
2.69
2.19
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