KASIKORNBANK Financial Overview
1,000
K
EXCELLENCE
Channels
Branch
975 (+110)
ATM
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
K-Lobby ***
102
1 877
865
(+72)
New
Branch
Model* 7,500
9,000
7,603
7,689
8,294 240
232
7,471
7,366
6,955
200
35
816
805
30
6,000
(+691)
160-
146 (+106)
800
782
(+30)
(+5)
126
4,500-
1842
873
(+1,853) (+516) (-105**) (+237)
(+86)
120
99
103
77
(+23) (+11) 835
(+38)
3,000
80
(+120)
(+23)
(+7)
(+4)
(+20)
(+19)
(+22)
1,500
40-
(+33)
600
0
0
2009
2010
2011
2012
1013
2013F
2009
2010
2011
2012
1Q13 2013F
2009
2010
2011
2012
1Q13
2013F
Key Strategies in Channel Expansion
2009 2010
2011
2012
1Q13
Branch
782
805
816
865
877
Branch: provide customer service
- Bangkok and Metro
46%
46%
46%
45%
45%
➤ Increase number of branches to 975 by year-end 2013 (including "new branch model")
> Expand branch and "new branch model" to potential area for high competitiveness
- Upcountry
54%
54%
54%
55%
55%
ATM
6,955
7,471
7,366
7,603
7,689
- Bangkok and Metro
52%
51%
52%
51%
50%
➤ Expand branch size in high traffic/strategic areas to better serve customers
➤ Relocate low use branches to more convenient areas
➤ Begin expansion of "new branch model" in 4Q12 to match customer lifestyles,
especially in BTS and Hypermart areas
E-Channel: provide customer convenience
➤ #1 in number of Cash Deposit Machines (CDMs) in Thailand; utilize duo-function
CDMs (deposits & withdrawals) to increase efficiency, enhance service coverage
and improve customer convenience
➤ #1 in number of K-Lobby in Thailand; increase number of K-Lobby to 232 in 2013
> Relocate ATMs to provide more convenient service to customers
* "New Branch Model" is a new modern-lifestyle branch model aiming to provide
more convenience to targeted customers. This type of branch is designed to be
smaller in size and equipped with an electronic banking machine and a small staff;
hence, it is cost efficient to operate
** A drop in the number of ATMs reflected a relocation plan
*** K-Lobby is an electronic banking service with multiple functions such as K-ATM,
K-CDM (Cash Deposit Machines), and K-PUM (Passbook Update Machine).
K-Lobby is available to serve customers both outside of branch offices and as
stand-alone machines in areas without branches
บริการทุกระดับประทับใจ
- Upcountry
48%
49%
48%
49%
50%
CDM
973
1,014 1,067
1,398
1,464
- CDM (Deposit)
973
1,014
1,016
1,066
1,083
- CDM (Deposit & Withdraw)
K-Lobby
51
332
381
77
99
103
126
146
Note:
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23
K
EXCELLENCE
Sample of Channels
Branch
ธนาคารกสิกรไทย
K
Branch @Department Stores
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
New Branch Model
A new modern-
lifestyle branch
model aiming to
provide more
convenience to
targeted customers.
This type of branch
is designed to be
smaller in size and
equipped with an
electronic banking
machine and a small
staff; hence, it is cost
efficient to operate
Mini Branch @ BTS
THE WISDOM Center and Corner
An exclusive
center
providing a full
range of
services and
facilities to the
High Net
Worth
Individual and
Affluent
segments
THE WISDOM Lounge at Sofitel So Bangkok
K-Lobby
PUM/DB
CDM
ATM
ATM
บริการทุกระดับประทับใจ
An electronic
banking service
with multiple
functions such as
K-ATM, K-CDM
(Cash Deposit
Machines), and
K-PUM (Passbook
Update Machine).
K-Lobby is
available to serve
customers both
outside of branch
offices and as
stand-alone
machines in areas
without branches
Digital Banking
Sample of Digital Banking
K-Mobile Banking
K-Cyber Service
(K-Cyber Banking, K-Cyber
Trade and K-Cyber Invest)
K-Payment Gateway
K-Merchant on Mobile
(mPOS)
K-Cyber Banking
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