KASIKORNTHAI Regulatory Capital and Financial Performance Update
K
KASIKORNTHAI
Asset Quality and Expected Credit Loss (Provision)
September 2023 (Consolidated)
Expected credit loss (Provision)
(Bt bn)
During 1997
Asian Crisis*
Coverage Ratio
During 1997
Asian Crisis*
(%)
160.6
159.1
148.5
149.2
141.4
127.1 134.5
130.0
111.0
154.3
148.6
131.8
130.9
54
50.6
51.9
150
49
44
44.1
43.5
41.8
40.3
39
138.3
34
33.8
32.5 34.0
100
29
26.4
24
19
16.8
48.8
14
14.2
6.7 7.3 8.4 11.7
50 34.7
25.430.034.2
2.3
0.7
1996 1997 1998 1999 2000
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 9M23
0
1996 1997 1998 1999 2000
Note: Provision referred to Impairment Loss on Loans and Debt Securities;
from January 1, 2020 onwards based on TFRS9, provision refers to Expected Credit Loss
During 1997 Asian Crisis*
I
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
■ Asset quality is manageable with
prudent policy and focus efforts.
154.9 NPL ratio in 9M23 was at 3.11%,
with coverage ratio of 154.9%.
2023 credit cost will remain high,
and may slightly exceed the target
range, but stay within 210 bps, due
to ongoing, proactive asset quality
cleanup efforts, and a one-time
deterioration in a large corporate
loan.
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 9M23
40
(%)
40
888
42.00
NPL Ratio and Credit Cost
(bps)
900
INPL ratio Credit cost
700
500
168 204 239
175 174
205
173
211 207
300
96
85
66
2.91 2.45 2.16 2.11 2.24 2.70 3.32 3.30 3.34 3.65 3.93 3.76 3.19 3.11
NPL Ratio by Business
100
Corporate Business
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020** 2021 2022 9M23
-100 SME Business
Retail Business***
2017 2018 2019 2020 2021 2022 9M23
<2% <2% <2% <2% <2% <2% <2%
-5% -5% -6% <7% <7% <7% <7%
-4% -4% -4% <5% <5% <5% <5%
30
31.70
723
23.50
287
20
44
15.90
66 64
10
5.10
NPL was peak at14
42.3% in 1Q99
0
1996 1997 1998 1999 2000
Notes: Data in 1996-1997 is KBank only
** The Bank and its subsidiaries have adopted new accounting standards (TFRS 9: Financial Instruments) since January 1, 2020 onwards, some financial statements and financial ratios are not comparable
with previous years' financial figures before Y2020, which were based on the prior accounting standards (non-TFRS9).
*** NPL ratio in retail business, excluding 180 dpd (days past due) of credit card and consumer loans for peer comparison
K
KASIKORNTHAI
ROA and ROE
September 2023 (Consolidated)
ROA (%)
ROE (%)
บริการทุกระดับประทับใจ
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
ROA
(%)
(%)
ROE**
2.5
24
I
20
2.0
16
1.5
1.20
0.98
1.03
12
9.90
0.85
0.86
8.44
8.63
1.0
7.10
7.38
8
0.5
4
0.0
0
2019
2020*
2021
2022
9M23
2019
2020
2021
2022
9M23
2019
2020
2021
2022
9M22
9M23
1Q23
2Q23
3Q23
1.20
0.85
0.98
0.86
1.04
1.03
1.01
1.03
1.06
9.90
7.10
8.44
7.38
8.97
8.63
8.43
8.82
8.63
Note: * The Bank and its subsidiaries have adopted new accounting standards (TFRS 9: Financial Instruments) since January 1, 2020 onwards, some financial statements and financial ratios
are not comparable with previous years' financial figures before Y2020, which were based on the prior accounting standards (non-TFRS9).
** ROE = Net profit (attributable to equity holders of the Bank) deduct dividend from other equity instruments after income tax divided by average equity of equity excluded
other equity instruments
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