Currency and Interest Rate Outlook
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
KBank: Financial Performance
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)
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
1H21 Performance Highlights
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
67
Consolidated
Net Profit (Bt bn)
Profitability
- NIM
- ROE*
- ROA
- YTD Loan growth
- YoY Non-interest income growth
- YoY Loan growth
- YoY Net fee income growth
Cost control
- Cost to income
Asset quality
- NPL ratio
- Credit Cost
-Coverage ratio
Loans to Deposits
Tier 1 Ratio
CAR
6.57%
(4.28%)
2019
2020
1Q21
2Q21
38.73
29.49
10.63
8.89
1H21
19.52
3.31%
3.27%
3.16%
3.22%
9.90%
7.10%
9.57%
8.11%
3.20%
8.87%
1.20%
0.85%
1.14%
0.93%
1.03%
4.59%
12.13%
2.56%
6.17%
6.17%
4.59%
12.13%
12.69%
12.06%
12.06%
(3.61%) (10.17%)
1.51% (20.65%)
6.56%
19.30%
6.57%
(20.96%)
45.32%
45.19%
41.30%
41.78%
41.54%
3.65%
1.74%
148.60% 149.19%
3.93%
2.05%
3.93%
1.52%
153.98%
96.62%
95.73%
95.91%
16.19%
16.13%
15.80%
19.62%
18.80%
18.44%
3.95%
1.85%
154.09%
96.07%
15.86%
18.19%
3.95%
1.68%
154.09%
96.07%
15.86%.
18.19%
Note: 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 January 1, 2013
onwards. CAR is based on KASIKORNBANK FINANCIAL CONGLOMERATE. 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 definition to be a financial conglomerate
* ROE = Net profit (attributable to equity holders of the Bank) deduct dividend from other equity instruments after income tax divided by average
equity of equity excluded other equity instruments
บริการทุกระดับประทับใจ
■1H21 net profit increased 104.40% YoY, mainly
due to lower expected credit losses and higher
EBPT.
■1H21 EBPT increased 2.90% YoY, mainly due
to higher net interest income from continual
loan growth despite lower interest rate.
1H21 loans grew 6.17% YTD, mainly from
COVID-19 relief measures (mainly from SMEs),
housing loans, corporate business, and retail
lending using data analytics capability.
■NIM was 3.20%, decreasing YoY, mainly due to
lower yield on loans from interest rate cut,
deterioration of asset quality, and loans in relief
measures despite lower cost of funds.
1H21 net fee income rose 6.57% YoY, mainly
from fund management business and
brokerage fees.
■1H21 cost to income ratio was 41.54%,
decreasing YoY from an increase of net total
income; cost to income will rise seasonally in
2H21.
1H21 NPL ratio was at 3.95%, with 154.09%
coverage ratio.
1H21 capital base remained adequate.
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