Y2021 Financial Targets
K
KASIKORNTHAI
Expected Credit Loss and Credit Cost
June 2021 (Consolidated)
Impairment Loss of Loans
and Debt Securities
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Credit Cost
Expected
Credit Loss
(Bt bn)
(bps)
I
50
41.81
43.55
350
40
32.53 34.01
300
239
250
30
19.46
200
20
150
100
10
50
ווווו
175 174
205
168
0
0
2017 2018 2019 2020 1H21
2017 2018 2019 2020
1H21
■1H21 credit cost was at 168bps; conservative assumptions and prudent financial policy
maintained amid high uncertainties related to COVID-19. Relief measures help limit short-term
impacts on asset quality; asset quality is closely monitored and constantly reviewed.
2017
2018
2019
2020
1H20
1H21
1Q21 2Q21
Expected Credit Loss
(Impairment Loss of Loans and Debt Securities) (Bt bn)
41.81
32.53
34.01
43.55
32.06
19.46
8.65
10.81
Credit Cost (bps)
239
175
174
205
311
168
152
185
L
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Bad Assets Resolution
June 2021 (Consolidated)
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Write-offs
(Bt bn)
28
24
20
16
12
85.5
4
0
4.3 3.9
5.0
10.3
7.3
26.4
21.5
19.9
10.7
10.1 9.6
Hill
6.2
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
NPL Portfolio Sales
2007: KBank and Phethai AMC sold NPLs totaling Bt11.4bn to Standard Bank
Asia Limited and Morgan Stanley Emerging Markets Inc. at Bt7.6bn
and Bt3.8bn, respectively
2008-1Q16: NPLs continued to decline without bulk NPL sales
2016: KBank sold NPLs worth Bt6.4bn (Bt4.9bn in 2Q16 and Bt1.5bn in 4Q16) to
JMT Network Services PCL
2017: KBank sold NPLs worth Bt8.4bn in 4Q17 to asset management companies
2018: KBank sold NPLs worth Bt15.4bn (Bt7.3bn in 1Q18, Bt5.4bn in 3Q18, and
Bt2.7bn in 4Q18) to asset management companies
2019: KBank sold NPLs worth Bt7.1bn (Bt4.3bn in 1Q19 and Bt2.8bn in 3Q19) to
asset management companies
2020: KBank sold NPLs worth Bt6.8bn (Bt4.9bn in 1Q20 and Bt1.9bn in 4Q20) to
asset management companies
1H21: KBank had no NPL sales
Note: *On September 11, 2013, the Bank was formally notified of its final loss sharing portion under the asset transfer agreement with TAMC established in October 2001.
This amounted to Bt206mn. An amount of Bt1,159mn relating to the provision for losses recorded in prior years has been reversed through profit or loss in 2013
Outstanding Foreclosed Properties
Sales of Foreclosed Properties
(Bt bn)
35.0
30.0
25.0
20.0 16.7 15.9 15.1
15.0
12.5 12.1
13.4
34
10.0
5.0
0.0
16.1 17.4
19.6
(Bt bn)
10
31.1 31.1
27.9
249
8
24.9
6 5.4 5.6
5.0 4.8
4.1
4.2
4.3
4
2.8 3.0
3.3
2.9
2.4
3.0
2
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 1H21
0
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 1H21
บริการทุกระดับประทับใจ
79
80View entire presentation