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
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