Creating the Future of Finance - Breakthrough Innovation
K
KASIKORNTHAI
Loan Structure and Loan Growth
December 2022 (Consolidated, TFRS 8: Operating Segments*)
Loan Portfolio Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Loan Portfolio
(Bt bn)
2,800
Consolidated
Amount (Bt bn)
Y2022
Y2022
Y2023
Dec 21
2,421 2,495
Dec 22
Loan Growth Yield Range Loan Growth Target
2,245
2,400
(%)
(%)
(%)
1,914
2,002
2,000
34%
36%
Corporate Loans
816
880
7.8%
2-4%
4-6%
Corporate
36%
SME Loans
793
780
(1.6%)
5-7%
1-2%
1,600
36%
35%
1,200
33%
31%
800
35%
34%
33%
■SME
Retail
Retail Loans
711
703
(1.2%)
5-7%
2-4%
Other Loans
101
132
30.4%
Others
400
25%
28%
28%
29%
28%
Total Loans¹)
2,422
2,495
3.0%
5.0%
5-7%
0
4%
1%
4%
3%
4%
5%
2018
2019
2020
2021
2022
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) Y2022 other loans was included loans through the World Business Group of Bt82bn, increased 73.1% YoY
Loan Growth (% YoY)
Loan by Retail Products (All Segments)**
(Amount in Bt bn)
Dec 21
Dec 22
(%)
Y2021
Loan
Y2022
% Portion
Loan
15
10
505
12.13
Growth
Growth
to
Total Loan
7.88
(%)
(%)
6.17
4.59
3.03
Housing Loans
483
443
7.6
(8.3)
17.7
Credit Cards
102
109
11.9
7.4
4.4
0
Consumer Loans
66
73
102.5
11.2
2.9
2018 2019
2020
2021
2022
KLeasing
121
137
5.4
13.4
5.5
2018
2019
2020
2021
2022
1Q22
2Q22
3Q22
4Q22
Loans (Bt bn)
1,914
2,002
2,245
2,422
2,495
2,458
2,489
2,464
2,495
Loan Growth (% YoY)
6.17% 4.59%
12.13%
7.88%
3.03%
6.77%
4.45%
0.83%
3.03%
Loan Growth (% YTD)
6.17%
4.59%
12.13%
7.88%
3.03%
1.51%
2.79%
1.75%
3.03%
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
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Loan Portfolio Breakdown by Business, Residency of Borrowers, and Maturity of Interest Repricing
December 2022 (Consolidated)
(Bt bn)
3,000
Loan Portfolio by Business*
By Residency of Borrowers (December 2022)*
Foreign
5.14%
2,500
2,000
1,500 1,327
15.7% 14.5%
12.5%
14.6%
2,002
14.6% 16.3%
1,439 1,527 1,610 1,698 1,803 1,914
14.9% 16.2%
2,245
16.8%
2,422
17.7% 18.3%
2,495
Others
■ Housing loans
14.2%
14.2%
1,000 16.2%
14.9%
46.3% 41.7% 6.9%
11.6%
14.2% 14.7%
12.8% 14.8%
13.5% 12.5% 13.2% 14.7% 13.7% 13.5% 12.8%
8.9% 9.0% 8.6%
8.5%
6.6% 6.9%
14.3%
14.2%
17.1%
15.2%
17.2%
■Infrastructure and services
500-
8.6% 8.9% 48.1% 49.1% 48.1% 47.3% 46.2% 44.0% 41.7% 40.5% 42.1%
■Property development and
construction
Manufacturing and commerce
Agriculture and mining
8.6%
14.5%
8.4%
0
2.4% 2.3% 2.0% 1.9% 2.1% 1.9% 1.8% 1.7% 1.6% 1.5%
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Domestic
94.86%
77
By Maturity of Interest Repricing (December 2022)*
Definition of Loans
1) by industry Gross loans Loans to customers less deferred revenue
2) by currency = Loans to customers and AIR - net
3) by maturity of interest repricing = Loans to customers less deferred revenue
Loans by Bangkok and Metropolitan vs. Upcountry
Loan by Bangkok and Metropolitan vs. Upcountry
Proportion of KBank's Outstanding Loans 2014 2015 2016 2017 2018 2019 2020 2021 2022
Bangkok and Metropolitan
Upcountry
*
64% 64% 63% 64% 62% 59% 58% 62% 62%
36%
36%
36% 37%
38% 41% 42% 38% 38%
> 6 months
19.98%
Others
0.65%
<=6 months
9.36%
Note: The information on loans breakdown by industry, residency of borrowers, and maturity of interest repricing are disclosed on half year basis
Immediate
repricing
70.01%
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