KASIKORNBANK Strategic Acquisition
K
KASIKORNTHAI
Expected Credit Loss and Credit Cost
March 2022 (Consolidated)
Impairment Loss of
Loans and Debt
Securities
Expected Credit Loss
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Credit Cost
(Bt bn)
50
43.55
40.33
40
32.53
34.01
30
20
10
0
2018
2019
2020
2021
(bps)
350
300
250
200
175 174 205
173
153
150
9.34
100
50
1Q22
2018 2019 2020 2021 1Q22
1Q22 credit cost was at 153bps inline with target range; continuous prudent consideration on
factors amid the economic growth that remains uncertain from COVID-19 situation and global
economic outlook. Asset quality is manageable with closely monitored and constantly reviewed.
Relief measures help limit short-term impact on asset quality, while focusing more on
comprehensive debt restructuring.
2018
2019
2020
2021
1Q21
1Q22
4Q21
1Q22
Expected Credit Loss
(Impairment Loss of Loans and Debt Securities) (Bt bn)
32.53
34.01
43.55 40.33
8.65
9.34
9.58
9.34
Credit Cost (bps)
175
174
205
173
152
153
158
153
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Bad Assets Resolution
March 2022 (Consolidated)
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Write-offs
27.4
26.4
21.5
19.9
(Bt bn)
28-
24-
20
16
10.7
12
10.3
10.1 9.6
7.3
8 5.5
5.0
4.3 3.9
4
0
6.9
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 1Q22
NPL Portfolio Sales
2007: KBank and Phethai AMC sold NPLs totaling Bt11.4bn to Standard Bank
Asia Limited and Morgan Stanley Emerging Markets Inc. at Bt7.6bn
and Bt3.8bn, respectively
2008-1Q16: NPLs continued to decline without bulk NPL sales
2016: KBank sold NPLs worth Bt6.4bn (Bt4.9bn in 2Q16 and Bt1.5bn in 4Q16) to
JMT Network Services PCL
2017: KBank sold NPLs worth Bt8.4bn in 4Q17 to asset management companies
2018: KBank sold NPLs worth Bt15.4bn (Bt7.3bn in 1Q18, Bt5.4bn in 3Q18, and
Bt2.7bn in 4Q18) to asset management companies
2019: KBank sold NPLs worth Bt7.1bn (Bt4.3bn in 1Q19 and Bt2.8bn in 3Q19) to
asset management companies
2020: KBank sold NPLs worth Bt6.8bn (Bt4.9bn in 1Q20 and Bt1.9bn in 4Q20) to
asset management companies
2021-1Q22: KBank had no NPL sales.
Note: *On September 11, 2013, the Bank was formally notified of its final loss sharing portion under the asset transfer agreement with TAMC established in October 2001.
This amounted to Bt206mn. An amount of Bt1, 159mn relating to the provision for losses recorded in prior years has been reversed through profit or loss in 2013
Outstanding Foreclosed Properties
Sales of Foreclosed Properties (KBank only)
(Bt bn)
(Bt bn)
13-
46.3
45.7
40.0
31.5
35.0
28.4
24.9
30.0
25.0
19.6
20.0
16.7 15.9 15.1
16.1
17.4
15.0
12.5 12.1
13.4
10.0
5.0
0
0.0
6.4
5.4 5.6
5.0 4.8
4.1
4.2 4.3
3.9
2.8 3.0 2.9
3.3
2.4
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 1Q22
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 20211Q22
บริการทุกระดับประทับใจ
91
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