KASIKORNBANK Economic and Subsidiaries Performance Overview
K
KASIKORNTHAI
Other Operating Expenses
June 2023 (Consolidated)
Other Operating Expenses Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
(Bt bn)
72.73
74.75
70.00
71.04
70
I
29%
30%
Other expenses
60
29%
28%
Taxes and duties
I
50
7%
7%
8%
8%
40.64
Premises and equipment expenses
40
18%
17%
16%
15%
■Directors' remuneration
0.2%
0.2%
0.2%
28%
0.2%
30
8%
■Employee's expenses
14%
20
0.3%
46%
46%
49%
46%
10
49%
0
2019
2020
2021
2022
1H23
1H23 other operating expenses increased 14.61% YoY, mainly due to an increase in employee expenses from
cost of living subsidy measures, which were one-time expenses and customer service expenses increased
according to business volume.
Other Operating Expenses (Bt bn)
2019
72.73
2020
70.00
2021
71.04
2022
74.75
1H22
35.46
1H23
40.64
1Q23
19.79
2Q23
20.85
Other Operating Expenses Growth (% YoY)
6.41% (3.76%) 1.50% 5.22%
5.53%
14.61%
13.82%
15.37%
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K
KASIKORNTHAI
Loan Structure and Loan Growth
June 2023 (Consolidated, TFRS 8: Operating Segments*)
Loan Portfolio Structure
(Bt bn)
Consolidated
2,800
2,421
2,495 2,449
2,245
2,400
2,002
2,000
34% 36% 35%
36%
1,600
35%
1,200
33%
31%
31%
34%
33%
800
Corporate
■SME
■Retail
Others
SME Loans
Corporate Loans
Retail Loans
400
28%
28%
29%
28% 28%
Other Loans
Total Loans 1)
0
4%
3%
4%
5%
6%
2019
2020
2021
2022
1H23
Loan Growth (% YoY)
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Loan Portfolio
Amount (Bt bn)
Dec 22 Jun 23
1H23
1H23
Y2023
Loan Growth Yield Range Loan Growth Target
(%)
(%)
880
866
(1.6%)
2-4%
780
751
(3.7%)
5-7%
703
684
(2.6%)
5-7%
132
148
12.1%
2,495
2,449
(1.8%)
5.7%
(%)
4-6%
1-2%
2-4%
5-7%
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.
1) Other loans were included loans through the World Business Group. In 1H23 WBG loans were Bt95bn, increased 16.4% YTD, and 67.6% YoY
Loan by Retail Products (All Segments)**
77
(%)
(Amount in Bt bn)
15
10
50505
12.13
7.88
4.59
3.03
2019
2020
2021
2022
-1.61
1H23
Housing Loans
Credit Cards
Consumer Loans
KLeasing
Loans (Bt bn)
Loan Growth (% YoY)
Loan Growth (% YTD)
Dec 22
Jun 23
Y2022
1H23
% Portion
Loan
Loan
Growth
Growth
to
Total Loan
(%)
(%)
443
437
(8.3)
(1.2)
17.9
109
100
7.4
(8.6)
4.1
73
65
11.2
(11.8)
2.6
137
145
13.4
5.4
5.9
2021
2,422
2022
1H22
1H23
1Q23
2Q23
2,495
2,489
2,449
2,465
2,449
4.45%
(1.61%)
0.28%
(1.61%)
7.88%
2.79%
(1.84%)
2019
2020
2,002 2,245
4.59% 12.13% 7.88% 3.03%
4.59% 12.13%
3.03%
(1.84%)
(1.20%)
Note: * Since 1Q13, as per the Bank of Thailand's requirement, the Bank has complied with TFRS 8 (Operating Segments) to present operating results for each key segment in financial reports.
** From December 2021 onwards, KBank's housing loans include housing loans and all retail secured loans.
Loan Definition - Corporate Loans: Loans Loans of KBank and KBank's Subsidiaries in Corporate Segments (Annual sales turnover > Bt400mn); SME Loans: Loans in SME Segments (Annual sales turnover ≤ Bt400mn);
Retail Loans: Loans in Retail Segments; Other Loans: Composed of loans through the World Business Group, the insurance business (MTL), and other loan types not directly attributable to
the main business groups. Since Y2020 onwards, loans in Enterprise Risk Management Division (NPL + Performing Restructured Loans) were reclassified to their customer segments.
- Housing Loans: KBank's housing loans and all retail secured loans; Credit Cards: KBank's credit card loans to all eight customer segments; Consumer Loans: KBank's retail unsecured loans;
KLeasing: KLeasing's loans to all eight customer segments
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