KBank's Strategic Acquisition in Muang Thai Group Holding
K
KASIKORNTHAI
Other Operating Expenses
March 2023 (Consolidated)
Other Operating Expenses Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
(Bt bn)
72.73
74.75
70.00
71.04
70
I
29%
30%
Other expenses
60
29%
28%
50
7%
7%
8%
8%
I
40
18%
17%
16%
15%
0.2%
0.2%
0.2%
0.2%
30
Taxes and duties
Premises and equipment expenses
■■Directors' remuneration
■Employee's expenses
19.79
20
46%
46%
49%
46%
27%
8%
10
0.1% 14%
0
2019
2020
2021
2022
51%
1Q23
1Q23 other operating expenses increased 13.82% YoY, mainly due to an increase in employee expenses from
cost of living subsidy measures, which were one time expenses and customer service expenses increased
according to business volume.
Other Operating Expenses (Bt bn)
2019
72.73
2020
70.00
2021
71.04
2022
74.75
1Q22 1Q23
17.39 19.79
4Q22 1Q23
21.04 19.79
Other Operating Expenses Growth (%YoY)
6.41%
(3.76%) 1.50% 5.22%
5.20%
13.82%
2.75% 13.82%
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Loan Structure and Loan Growth
March 2023 (Consolidated, TFRS 8: Operating Segments*)
Loan Portfolio Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Loan Portfolio
(Bt bn)
Consolidated
2,800
2,421 2,495 2,465
Amount (Bt bn)
Dec 22 Mar 23
1Q23
1Q23
Y2023
Loan Growth Yield Range Loan Growth Target
2,245
2,400 2,002
(%)
(%)
2,000
34% 36% 36%
Corporate
Corporate Loans
880
876
(0.5%)
2-4%
36%
1,600 35%
1,200
33%
31%
31%
34%
33%
■SME
■Retail
SME Loans
780
763
(2.2%)
5-7%
Retail Loans
703
690
(1.9%)
5-7%
Other Loans
132
136
3.8%
800
Others
400
28% 28%
29%
28%
28%
Total Loans 1)
2,495
2,465
(1.2%)
5.5%
(%)
4-6%
1-2%
2-4%
5-7%
0
4%
3%
4%
5%
5%
2019
2020
2021
2022
1Q23
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.
1) Other loans were included loans through the World Business Group. In 1Q23 WBG loans were Bt85bn, increased 4.2% YTD, and 69.0% YoY
Loan by Retail Products (All Segments)**
(Amount in Bt bn)
Dec 22
Mar 23
Y2022
1Q23
% Portion
15
10
250
(%)
12.13
Loan
Growth
Loan
Growth
to
Total Loan
7.88
(%)
(%)
4.59
3.03
5
Housing Loans
443
440
(8.3)
(0.6)
17.9
0.28
0
2019
2020 2021
2022
1Q23
Credit Cards
Consumer Loans
KLeasing
109
101
7.4
(7.4)
4.1
73
68
11.2
(7.3)
2.8
137
142
13.4
3.3
5.8
2019
2020
2021
2022
1Q22
1Q23
4Q22
Loans (Bt bn)
2,002
2,245
2,422
2,495
2,458
2,465
2,495
1Q23
2,465
Loan Growth (% YoY)
Loan Growth (% YTD)
4.59%
4.59%
12.13%
12.13%
7.88%
3.03%
6.77%
0.28%
3.03%
0.28%
7.88%
3.03%
1.51%
(1.20%)
3.03%
(1.20%)
79
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.
** From December 2021 onwards, KBank's housing loans include housing loans and all retail secured loans.
Loan Definition
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: Composed of loans through the World Business Group, the insurance business (MTL), 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 and all retail secured loans; Credit Cards: KBank's credit card loans to all eight customer segments; Consumer Loans: KBank's retail unsecured loans;
KLeasing: KLeasing's loans to all eight customer segments
บริการทุกระดับประทับใจ
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