Creating the Future of Finance - Breakthrough Innovation
K
KASIKORNTHAI
Cost to Income Ratio
December 2022 (Consolidated)
Cost to Income Ratio
(%)
ེ g བྷཱུ 8 ྨ༅༠
40
30
20
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Cost to Average Assets Ratio
(%)
43.96
45.32
45.19
43.49
43.15
6
4
2.26
2.26
2.01
1.83
1.79
2
2018
2019
2020*
2021
2022
0
2018
2019
2020* 2021
2022
■Y2022 cost to income ratio was 43.15%, slightly decreased YoY from net total income increased, while higher operating
expense (mainly from marketing and IT expense). Focus on cost management and productivity improvement, with new
investments for future growth.
2018
2019
Cost to Income Ratio (%)
43.96
45.32
2020
45.19
2021
2022
1Q22
2Q22
43.49
43.15
42.82
43.53
3Q22
43.73
4Q22
42.60
Cost to Average Assets Ratio (%)
2.26
2.26
2.01
1.83
1.79
1.69
1.74
1.73
1.99
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).
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K
KASIKORNTHAI
Asset Quality and Expected Credit Loss (Provision)
December 2022 (Consolidated)
Expected credit loss (Provision)
(Bt bn)
During 1997
Asian Crisis*
54
50.6
49
44
44.1
39
34.
29
24
19
16.8
14
4 2.3
Coverage Ratio
During 1997
Asian Crisis*
150
51.9
43.5
41.8
40.3
33.8
34.0
100
32.5
26.4
14.2
9.4
11.7
7.3
6.7
8.4
0.7
0
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
1996 1997 1998 1999 2000
„IÏ.
1996 1997 1998 1999 2000
50 34.7
48.8
25.430.034.2
Note: Provision referred to Impairment Loss on Loans and Debt Securities;
from January 1, 2020 onwards based on TFRS9, provision refers to Expected Credit Loss
During 1997 Asian Crisis*
888
(%)
42.00
40
NPL Ratio and Credit Cost
154.3
159.1
160.6
141.4
148.5
149.2
134.5
127.1
130.0
148.6
111.0
91.6
131.8
130.9
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
ธนาคารกสิกรไทย
开泰银行 KASIKORN BANK
Asset quality is manageable with
closely monitored and constantly
reviewed.
NPL ratio in Y2022 was at 3.19%,
with coverage ratio of 154.26%.
INPL ratio dropped YoY from
proactively embarking and
cooperating with professional
partners to enhance the effectiveness
of NPL management.
Y2022 credit cost increased YoY due
to prudent consideration of the
uncertain economic outlook and
business strategy.
(bps)
NPL ratio -Credit cost
900
30
40
31.70
723
23.50
700
500
20
20
287
168 204 239
175 174
205
211
173
300
10
44
15.90
102 66
64 66
85 96
10
5.10
NPL was peak at
42.3% in 1Q99
3.76 2.91 2.45 2.16 2.11 2.24 2.70 3.32 3.30 3.34 3.65 3.93 3.76 3.19
100
NPL Ratio by Business
Corporate Business
SME Business
0
-100
Retail Business***
2017 2018 2019 2020 2021 2022
<2% <2% <2% <2% <2% <2%
-5% -5% -6% <7% <7% <7%
-4% -4% -4% <5% <5% <5%
1996 1997 1998 1999 2000
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020** 2021 2022
Notes: * Data in 1996-1997 is KBank only
** 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).
*** NPL ratio in retail business, excluding 180 dpd (days past due) of credit card and consumer loans for peer comparison
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