Creating the Future of Finance - Breakthrough Innovation
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Earnings Before Provision and Tax (EBPT) and Net Profit
December 2022 (Consolidated)
EBPT
Net Profit
(Bt bn)
(Bt bn)
98.50
92.31
60
100
87.14
87.76
84.89
38.46
38.73
38.05
80
35.77
40
29.49
60
40
20
20
0
2018
2019
2020
2021
2022
0
2018
2019
2020
2021
2022
Y2022 net profit decreased 6.00% YoY, due to higher expected credit loss as a prudent consideration of the uncertain
economic outlook and business strategy, while EBPT improved from higher income, as a result of the Bank's strategic
and interest rate direction, and efficient expense management.
EBPT (Bt bn)
2018
87.14
EBPT Growth (% YoY)
2019
87.76
(3.70%) 0.72%
2020
2021
2022
84.89 92.31
(3.27%) 8.73%
98.50
6.72%
1Q22
23.22
(1.16%)
2Q22
3Q22
4Q22
23.44
23.48
28.36
(1.45%)
2.20%
28.63%
Net Profit (Bt bn)
Net Profit Growth (% YoY)
38.46
12.00%
38.73
0.70%
29.49
38.05
(23.86%) 29.05%
35.77
-6.00%
11.21
5.50%
10.79
21.36%
10.57
22.52%
3.19
-67.77%
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Interest Income - net
December 2022 (Consolidated)
Interest Income and Interest Expenses
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Interest Income - net
(Bt bn)
(Bt bn)
133.00
140.00 123.92
130.18
135.41
127.59
120.00
140.00
120.00
100.00
119.39
109.02
98.54
102.69
100.00
80.00
80.00
60.00
60.00
40.00
40.00
25.38
27.49
18.57
16.02
18.33
20.00
20.00
0.00
0.00
2018
2019
2020
2021
2022
2018
2019
■Interest income
2020
2021
Interest expenses
2022
71
Y2022 net interest income increased 11.40% YoY, mainly due to an increase in interest income from loans to customers
according to growth of new loan granted to SME and Retail business customers with focus more on offering of loan
products via digital channels along with using data for lending analysis, which in line with the Bank's strategic direction.
Interest Income (Bt bn)
Interest Expenses (Bt bn)
Interest Income - net (Bt bn)
Interest Income - net (% Growth YoY)
2018 2019
2020
123.92 130.18 127.59
25.38 27.49 18.57
2021
135.41
16.02
2022
1Q22
2Q22
3Q22
4Q22
151.33
35.92
36.37
37.62
41.42
18.33
4.17
4.36
4.53
5.27
98.54 102.69 109.02
4.65% 4.21% 6.17% 9.51%
119.39
133.00
31.75
32.01
33.09
36.15
11%
12.86%
7.72%
7.64%
17.36%
Note: Contributions from MTL's insurance business to KBank include non-interest income (e.g. net-premium earned-net), and interest income (e.g. interest income from investment portfolio);
however, all income sources from MTL will be netted with non-controlling interests.
บริการทุกระดับประทับใจ
72
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