KASIKORNBANK Analyst Meeting Presentation
K
KASIKORNTHAI
Composition of Growth: Loans by Business
Moderate loan growth momentum in line with full-year target
Loan Portfolio Structure
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开泰银行 KASIKORNBANK
Loan Portfolio
Bt bn
Consolidated
2,444
2,245
Dec 20
Amount (Bt bn)
Sep 21
9M21
9M21
Y2021
Loan Growth Yield Range Loan Growth Target
2,400
2,000
1,803 1,914
2,002
35%
Corporate
(%)
(%)
36%
34%
Corporate Loans
814
862
5.9%
2-4%
1,600
35%
36%
■SME
SME Loans
733
789
7.6%
5-7%
1,200
32%
33%
800
36%
35%
34%
400
24%
25%
28%
28%
29%
■Retail
Others
Retail Loans
638
704
10.4%
5-7%
Other Loans
5%
0
4%
4%
3%
2017
2018
2019
2020
4%
9M21
Total Loans
60
2,245
89
48.5%
2,444
8.9%
4.6%
(%)
1-3%
2-4%
11-13%
4-6%
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.
9M21
2021 Outlook
Corporate
Loans
SME
Loans
Retail
Loans
Loan Definition
■ Loan portfolio mainly grew from short-term lending
▪ KBank provided relief measures to corporate customers in a timely
manner
■ Amid slow pace of global and local economy, the bank prudently
supported customers' liquidity needs, where appropriate
■ Financial assistance measures meant to soften impact of the outbreak
mainly support loan expansion in this quarter
■ Major loan contribution to Commerce Consumer, Construction and
Consumer industry
■ Retail loans grew mainly from home loans, expanding into high potential
customers with product offerings matched to customers' needs
■ Offered "Smart PAY & Smart CASH via K PLUS" for credit card
customers to better provide accessibility and convenience
■ Offered new feature, "Swipe, Press, Pay by Installments in one card," for
Xpress Cash. Customer enables QR code, scans option for cardless cash
withdrawal at K-ATMs nationwide, and completes money transfer free of
charge 24/7 via KPLUS
■ Potential loan growth in some sectors to support business opportunities
■ KBank continuously provides assistance to corporate customers affected by COVID-19
pandemic
■ Domestic and global trade still uncertain; local government spending and public
investment remain major drivers. Lending growing organically and prudently while still
meeting customers' funding needs and aligning with government measures
■ Apply data analytics to enhance predictive model and credit process in order to lend
intelligently with acceptable risk, via blended traditional and digital channels
■ Continuous growth supporting consumer market and local demand
■ Focus on lending thru data analytics and supporting financial solutions for all life
stages via assisted and unassisted channels where most relevant to customers'
lifestyles and needs
■ Maintain lead market position in key strength products
■ Focus on new potential target customers with acceptable risk; predictive monitoring
and strict control on loan portfolio quality
Corporate Loans: Loans of KBank and KBank's Subsidiaries in Corporate Segments (annual sales turnover > Bt400mn)
SME Loans: Loans of KBank and KBank's Subsidiaries in SME Segments (annual sales turnover ≤ Bt400mn)
Retail Loans: Loans of KBank and KBank's Subsidiaries in Retail Segments
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Other Loans: Composed of loans through the insurance business (MTL),
regional markets, and other loan types not directly attributable to the main
business groups. Before Y2020, other loans were loans in Enterprise Risk
Management Division (NPL + Performing Restructured Loans) were
reclassified to their customer segments.
7
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Composition of Growth: Net Fees and Non-interest Income
December 2021 (Consolidated)
Total Operating Income - net
Non-interest Income Ratio and Net Fee Income Ratio
(Bt bn)
(%)
200
156.86 155.48
(-1%) (+3%)
(+2%)
160.49 154.89
163.35
50
I
(-3%) (+5% YOY) 40
40%
37%
36%
30%
150
27%
36%
30
25%
25%
40%
37%
30%
23%
| 27%
21%
20
100
10
50
70%
73%
60%
63%
64%
0
2017
0
2017
2018
2019
2020
2021
Net Interest Income
Non-interest Income
Non-interest Income
Other Operating Income
2018
2019
Non-interest Income Ratio
2020*
22%
2021
Net Fee Income Ratio
Net Fee Income
35.32
(+7% YoY)
(Bt bn)
70
62.70
65
(-2%)
60
57.80
56.95
(-9%)
(+2%)
45.87 43.96
■Fee and Service Income - net
(Bt bn)
(-21%) (-4% YoY)
41.31
(+6%)
Net Premium Earned -net
40
38.12 36.74
(-8%)
(-4%)
33.00
(-10%) I
66%
Dividend Income
30
67% 64%
80%
72%
Share of Profit from Investments on Equity Method
20
9%
6% 0.1%
0.1% 4%
Gain on Investment
15%
10
6%
5%
I
3%
2%
13%
16%
14%
18%
13%
-0.4%
Gain on financial instrument measured at FVTPL
0
0
-0.3%
(Gain on Trading and FX transactions-Old)
-4%
-5
2017
2018 2019 2020* 2021
2017
2018
2019
2020*
2021
■Y2021 non-interest income
accounted for 27% of total
net operating income and net
fee income accounted for 22%;
non-interest income decreased
4% YoY, mainly due to a
decrease in revenue from sales
of securities in previous year and
net premiums earned - net.
■Net fee income increased
7% YoY, mainly from fund
management business and
brokerage business in line with
market conditions.
- Non-interest Income Ratio = Non-interest Income/Total Operating Income - net
Note:
- Net Fee Income Ratio = Net Fee Income / Total Operating Income - net
- Net Premium Earned net Net Premium Earned less Underwriting Expense
* 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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