KASIKORNBANK Strategic Acquisition
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
KBank: Financial Performance
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)
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
1Q22 Performance Highlights
Consolidated
2020
2021
1Q21 2Q21 3Q21 4Q21
1Q22
Net Profit (Bt bn)
29.49
38.05
10.63
8.89
8.63
9.90
11.21
Profitability
- NIM
79
ธนาคารกสิกรไทย
开泰银行 KASIKORN BANK
■■1Q22 net profit increased 5.50% YoY, mainly
from higher net interest income, while non-
interest income decreased, operating expenses
increased, with higher expected credit loss from
prudent policy.
1Q22 EBPT decreased 1.16% YoY, from a drop
in non-interest income and an increase in
operating expenses, while net interest income
increased.
■1Q22 loans grew 1.51% YTD, mainly from
corporate business.
■■1Q22 NIM was 3.19%, increasing YoY, mainly
due to higher yield on loans and lower cost of
funds.
1.53% 1Q22 net fee income decreased 6.36% YoY,
from relatively large base in 1Q21; mainly from
fund management business inline with market
condition.
■■1Q22 cost to income ratio was 42.82%,
increased YoY from an increase in other
3.27%
3.21%
3.16%
3.22%
3.23%
3.15%
3.19%
- ROE*
- ROA
7.10%
8.44%
9.57%
8.11%
7.44%
8.70%
9.30%
0.85%
0.98%
1.14%
0.93%
0.87%
0.97%
1.09%
- YTD Loan growth
12.13%
7.88%
2.56%
6.17%
8.87%
7.88%
1.51%
- YoY Loan growth
12.13%
7.88%
12.69%
12.06%
13.32%
7.88%
6.77%
- YoY Net fee income growth
(10.17%)
7.01%
6.56%
6.57%
9.67%
- YoY Non-interest income growth
(20.65%)
(4.17%)
19.30% (20.96%)
(3.12%)
5.39%
(4.75%)
(6.36%)
(25.49%)
Cost control
-Cost to income
45.19%
43.49%
41.30% 41.78%
42.47%
48.16%
42.82%
Asset quality
- NPL ratio
- Credit Cost
-Coverage ratio
Loans to Deposits
Tier 1 Ratio
CAR
3.93%
2.05%
149.19% 159.08%
3.76%
1.73%
3.93%
1.52%
153.98%
95.73%
93.20%
16.13%
16.49%
15.80%
95.91% 96.07%
15.86%
3.95% 3.85%
1.85%
1.87%
154.09% 156.96%
96.55%
16.53%
3.76%
1.58%
159.08%
93.20%
16.49%
3.78%
158.33%
93.31%
16.35%
18.80%
18.77%
18.44%
18.19%
18.82%
18.77%
18.34%
Note: Under Bank of Thailand regulations, net profit in the first half of the year is counted as capital after approval by the Board of
Directors as per Bank regulations. Net profit in the second half of the year is counted as capital after approval of the General
Meeting of Shareholders. However, when a net loss occurs, the capital must be reduced immediately
Capital Adequacy Ratio (CAR) has been reported in accordance with Basel III Capital Requirement from January 1, 2013
onwards. CAR is based on KASIKORNBANK FINANCIAL CONGLOMERATE. KASIKORNBANK FINANCIAL CONGLOMERATE
means the company under the Notification of the Bank of Thailand re: Consolidated Supervision, consisting of KBank,
K Companies, and subsidiaries operating in supporting KBank, Phethai Asset Management Co., Ltd., and other subsidiaries
within the permitted scope of the BOT's definition to be a financial conglomerate
* 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
operating expenses (mainly from IT and
marketing), though net total income increased.
Focus on cost management and productivity
improvement, with new investments for future
growth.
■■1Q22 NPL ratio was at 3.78%, with 158.33%
coverage ratio.
vânısynseñuusenu=1022 capital base remained adequate.
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