KASIKORNBANK Financial Overview
K
EXCELLENCE
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
KBank: Financial Performance
บริการทุกระดับประทับใจ
K
EXCELLENCE
1Q13 Performance Highlights
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
41
Consolidated
2011*
Net Profit (Bt bn)
24.226
2012
35.260
1Q12 2Q12 3Q12
8.988 9.367 9.212
4Q12
7.692
1Q13
10.106
Profitability
- NIM
- ROE
- ROA
■1Q13 net profit rose 12.44% YoY,
driven by both net interest
income and non-interest income
■Loans grew 2.2% YTD and 11.1%
YoY; the YTD growth was mainly
driven by corporate business
2.19% NIM slightly declined, in line with
interest rates, but remained high
16.72% Net fee income continued to grow
due to customer-centric strategy;
growth entails strengthening
acquisition, retention, and
cross-selling capabilities
3.75%
16.72%
3.58%
20.76%
1.48%
1.86%
2.01%
3.58% 3.53% 3.55%
22.43% 22.32% 21.14%
1.89%
2.00%
- YTD Loan growth
12.43%
9.57%
0.76%
3.73%
- YoY Loan growth
12.43%
9.57%
12.65%
- YoY net fee income growth
13.22%
18.56%
- YoY non-interest income growth
19.78%
19.72%
1.51%
9.57%
7.62% 7.35% 9.57% 11.12%
12.14% 11.85% 13.37% 38.16% 29.52%
19.31% 14.13% 16.12% 30.83%
3.53% 3.49%
16.93% 21.23%
1.93%
6.32%
Cost control
- Cost to income
47.53%
45.00%
Asset quality
2.45%
-
Coverage ratio
127.12%
Loans to Deposits
97.47%
Tier 1 Ratio (Bank Only)**
9.63%
CAR (Bank Only)**
13.81%
2.16%
131.83%
95.35%
10.43%
15.98%
2.35% 2.20% 2.07% 2.16%
133.79% 144.57% 142.94% 131.83%
93.44% 94.75% 92.06% 95.35%
9.59% 9.76% 10.90%
15.48% 15.56% 16.53%
2.09%
138.62%
94.92%
15.98% 15.44%***
- NPL ratio
41.42% 44.16% 43.54% 50.49% 40.02%
10.43% 11.08%*** 1Q13 cost to income ratio was
Note: *In accordance with the corporate income tax rate reduction from 30% of taxable profit to 23% in 2012 and 20% in 2013,
KBank recognized a one-time Bt1.9bn impact to the 4Q11 income statement due to deferred tax item adjustments;
there was no affect on the business undertakings, profitability, or capital fund of the Bank and its subsidiaries
** Under Bank of Thailand regulations, net profit in the first half of the year is counted as capital after approval by the Board of
Directors as per Bank regulations. Net profit in the second half of the year is counted as capital after approval of the General
Meeting of Shareholders. However, when a net loss occurs, the capital must be reduced immediately.
***
Capital Adequacy Ratio (CAR) has been reported in accordance with Basel III Capital Requirement from 1 January 2013 onwards.
For KASIKORNBANK FINANCIAL CONGLOMERATE, as of 1Q13, Tier 1 = 11.47%, Tier 2 = 4.32%, and CAR = 15.79%.
KASIKORNBANK FINANCIAL CONGLOMERATE means the company under the Notification of the Bank of Thailand re:
Consolidated Supervision, consisting of KBank, K Companies and subsidiaries operating in supporting KBank, Phethai Asset
Management Co., Ltd. and other subsidiaries within the permitted scope of the BOT's to be a financial conglomerate
บริการทุกระดับประทับใจ
low, reflecting a normal seasonal
pattern; cost to income ratio will
range in mid-40s
■Manageable NPLs, with high
coverage ratio maintained
42View entire presentation