Creating the Future of Finance - Breakthrough Innovation
K
KASIKORNTHAI
Net Fee Income Structure
December 2022 (Consolidated)
Net Fee Income by Product
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Others
13%
Credit Card
Brokerage
business
Business
16%
6%
Fund Management
Business
22%
Trade
finance
7%
Transaction
services
15%
Commercial
credit
17%
Cash
management
4%
Loan Related and Non-loan Related Fees - net
■Credit Card Business (mainly from credit card, merchant fees)
■Transaction services (such as ATM & debit cards, bill payments, money transfers, etc.)
■Commercial credit (mainly from commercial credit related fees)
Cash management (such as fees from payroll accounts)
■Trade finance
■Fund Management Business (mainly from mutual fund and securities service fees)
Brokerage business
■Others (such as capital market business, etc.)
Non-loan
related
84%
Loan
related
16%
Note:
- On the consolidated basis, Bancassurance fees are not included, due to the
elimination of inter-company transactions (the accounting treatment from the
Muang Thai Group Holding consolidation)
- On the consolidated basis, Net Premium Earned - net (Net Premium Earned
Less Underwriting Expenses) from Muang Thai Life Assurance (MTL) is reported
as a part of non-Interest Income; KBank has a 38.25% economic interest in MTL
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K
KASIKORNTHAI
Other Operating Expenses
December 2022 (Consolidated)
Other Operating Expenses Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
(Bt bn)
74.75
72.73
68.35
70.00
71.04
70
29%
30%
Other expenses
28%
60
28%
29%
Taxes and duties
50
7%
8%
I
8%
7%
7%
■Premises and equipment expenses
40
18%
16%
19%
17%
0.2%
15%
02%
■Directors' remuneration
0.2%
2%
0.2%
30
■Employee's expenses
20
46%
46%
46%
49%
46%
10
0
2018
2019
2020
2021
2022
Y2022 other operating expenses increased 5.22% YoY, mainly due to an increase in market expenses collaborated
with business partners, in line with revenue increased according to business volume and IT related expenses in order
to support customers' needs. Continued to focus on cost and productivity improvement and new investments for future
growth.
Other Operating Expenses (Bt bn)
2018
68.35
2019
72.73
2020
70.00
2021
71.04
2022
74.75
1Q22 2Q22 3Q22 4Q22
17.39 18.07 18.25 21.04
Other Operating Expenses Growth (%YoY)
2.98%
6.41% (3.76%) 1.50% 5.22%
5.20% 5.86% 7.58% 2.75%
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