KASIKORNBANK Financial Overview slide image

KASIKORNBANK Financial Overview

K EXCELLENCE ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Asset Quality and Impairment Loss of Loans and Debt Securities (Provision) March 2013 (Consolidated) (Bt bn) Provision Coverage Ratio (%) 150 131.83 138.62 127.12 111.02 91.64 88.38 10 9.4 8.4 7.8 8 7.3 6.7 100 5.9 I 5.4 6 3.7 4 2 0 0 2005 2006 2007 2008 2009 2010 2011 2012 1Q13 2005 2006 2007 2008 2009 2010 2011 2012 1Q13 3.5 50 66.60 70.96 73.90 NPL Ratio and Credit Cost (bps) 200 (%) 10 8.88 8 150 6.85 105 6 102 4.44 93 Credit Cost 100 66 64 66 NPL ratio 4 83 82 3.76 50 2 60 3.09 2.91 2.45 2.16 2.09 0 0 2005 2006 2007 2008 2009 2010 2011 2012 1Q13 NPL ratio improved to 2.09% in 1Q13, against the 2013 target of below 2.4% Coverage ratio was 138.62%; this ratio has been maintained above 100% since 2Q10 ■In 1Q13, KBank set aside a higher provision expense, amid economic expansion and satisfactory performance of the Bank, to serve as a countercyclical provision to prepare for any potential future economic downturn or changing economic circumstances, both domestic and abroad In 2013, average provision per quarter is estimated to be approximately Bt2bn, plus the countercyclical provision; credit cost expected to move between 70 - 80+ bps บริการทุกระดับประทับใจ 11 K EXCELLENCE ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Composition of Growth: Net Fees and Non-interest Income March 2013 (Consolidated) Non-interest Income Ratio and Net Fee Income Ratio Total Operating Income - net (Bt bn) 120 75.14 80 (+22%) 90.51 (+20%) 38% 104.31 (+15%) | 50 (%) 38% 39% 40% 38% | 40 39% 30 24% 25% 23% 23% 38% 28.70 20 40 (+16% YoY) 62% 61% 62% 40% 10 60% 0 0 2010 2011 2012 1Q13 2010 (Bt bn) Net Interest Income. Non-interest Income Non-interest Income 40 40 28.40 4% 30 (+31%) 2% 20 34.02 (+20%) 40.72 (+20%) 3% Other Operating Income Fee and Service Income - net Net Premium Earned - net Dividend Income Share of Profit from Investments 11.50 +17% YoY) on Equity Method 2% 18% Gain on Investment 10 16% 14% d02 2% 104% 0.05%2 2% 16% 14% 15% 12% 2% 0 Note: 19% 0.05% Gain on Trading and FX transactions 2011 2012 1Q13 Non-interest Income Ratio Net Fee Income Ratio Net Fee Income (Bt bn) 24 18.23 (+14%) 20.64 (+13%) 18 24.47 (+19%) 训 12 6 0 2010 2011 2012 7.14 (+30% YoY) 1Q13 2010 2011 2012 1Q13 - Non-interest Income Ratio = Non-interest Income/Total Operating Income - net -Net Fee Income Ratio = Net Fee Income / Total Operating Income - net - Net Premium Earned - net = Net Premium Earned less Underwriting Expense บริการทุกระดับประทับใจ Non-interest income accounted for 40% of total net operating income; net fee income was 25% in 1Q13 ■ Non-interest income rose, driven mainly by fee income and life insurance premiums ☐ Net fee income continues to be focused on non-loan related fees such as transaction services and card business; higher cross- selling capabilities will also help grow fees ■Net fee income in 1Q13 rose mainly thru credit card, debit card, and ATM fees, including fees from KAsset and KSecurities; the Bank will continue to focus on non-loan related fees 12
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