KASIKORNBANK Economic and Subsidiaries Performance Overview
K
KASIKORNTHAI
Classified Loans
◉
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
% NPL coverage dropped to reflect the inflow from uneven economic recovery and large corporate customer; but
remained at comfortable level
◉
% Comprehensive debt restructure slightly increased from ongoing proactive asset quality management
Total loan and AIR
Total loan allowance (ECL)
Bt2,481bn
Bt2,465bn
Bt128.1bn
(5.2% of loan and AIR)
Bt128.2bn
(5.2% of loan and AIR)
% Comprehensive
7.0%
7.2%
%NPL coverage
157%
147%
debt restructuring
Stage3
Stage3
Bt89bn
Bt94bn
3.6%
3.8%
Stage2
Bt181bn
7.3%
Stage1
Bt2,211bn
89.1%
Mar 2023
Stage3
Bt38.6bn
%ECL 43.5%
Stage3
Bt41bn
%ECL 43.7%
Stage2
Bt179bn
7.3%
Stage1
Bt2,192bn
88.9%
Stage2
Bt43.3bn
%ECL 23.9%
Stage2
Bt40.6bn
%ECL 22.7%
Stage1
Bt46.2bn
%ECL 2.1%
Stage1
Bt46.6bn
%ECL 2.1%
Jun 2023
Mar 2023
Jun 2023
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Balance Sheet Cleanup Updates
Due to our ongoing clean-up balance sheet
ธนาคารกสิกรไทย
开泰银行 KASIKORN BANK
Total loans in stage 2 and stage 3 were stable, even including impact from large corporate customer deterioration
Comprehensive Debt Restructuring reduced to around 7.2% as of June 2023 which focus on keeping high viability
customers into the program
Loans in Relief Loans in Comprehensive
program(1)
13% of
Total Loans
Y2021
System-wide
supportive measures
Debt Restructuring (CDR)
Loan and AIR Bt300bn
(Stage 2 & 3)
Bt282bn
(12.7%)
Bt275bn
(12.0%)
(11.1%)
Bt270bn
(11.2%)
Bt273bn
(10.9%)
Bt110bn
4.4%
Bt88bn
4.4%
Bt93bn
3.6%
Bt89bn
3.7%
Bt94bn
3.6%
■Stage3
Stage2
Bt190bn
8.3%
Bt187bn
7.6%
Bt188bn
7.5%
Bt181bn
7.5%
Bt179bn
7.3%
Jun 2022
6.9% of
7.0% of
Total Loans Total Loans Total Loans
Total Loan
Allowance
7.2% of
Jun 2022
Sep 2022
Sep 2022
Dec 2022
Mar 2023
Jun 2023
Dec 2022
Mar 2023
Jun 2023
Bt141bn
Bt121bn
Bt134bn
Bt128bn
Bt128bn
% ECL to
6.0%
5.6%
4.9%
5.3%
5.2%
Y2022
Mar 2023 Jun 2023
Loan and AIR
Credit Cost
NPL ratio
% NPL
Coverage
Write-off
159 bps
3.80%
161 bps
3.07%
173 bps(3)
3.19%
205 bps
3.04%
208 bps(4)
3.20%
144.6%
148.7%
154.3%
156.7%
147.3%
Targeted measures
(Long-term and more sustainability)
NPL Sales (2)
Bt14.3bn
Bt30bn
Bt29.7bn
Bt25bn
Bt7.9bn(3)
Bt17bn(3)
Bt1bn
Bt35.6bn
Bt4.3bn(4)
Bt15bn(4)
Note: 1) Loans in relief programs = Loans in KBank's relief programs including debt resolution measures during the early stage of COVID-19; covering broad-based payment holiday and opt-in program
2) NPL sales legal claim amount, not book value of transferring amount
3) Y2022 Credit cost = 211 bps; Write-off = Bt59bn; NPL sales = Bt72bn
4) 1H23 Credit cost = 206 bps; Write-off Bt5.3bn; NPL sales = Bt50.6bn
บริการทุกระดับประทับใจ
11
12View entire presentation