KASIKORNBANK Strategic Acquisition
K
KASIKORNTHAI
Other Operating Expenses
March 2022 (Consolidated)
Other Operating Expenses Structure
(Bt bn)
72.73
70.00
71.04
68.35
70
29%
28%
60
29%
28%
0.2%
0.2%
0.2%
50
0.2%
7%
7%
7%
8%
40
17%
19%
18%
16%
17.39
30
20
26%
46%
46%
46%
49%
8%0.1%
10
16%
50%
0
2018
2019
2020*
2021
1Q22
■Others
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
■Directors' remuneration
Taxes & Duties
■Premises & Equipment
Employee's expenses
1Q22 other operating expenses increased 5.20% YoY, mainly due to an increase in IT expenses in order to support
customers' need, and marketing expenses; continued to focus on cost and productivity improvement and new
investments for future growth.
Other Operating Expenses (Bt bn)
Other Operating Expenses Growth (% YoY)
2018
2019
68.35
72.73
2020
70.00
2021
71.04
1Q21
16.53
1Q22
17.39
4Q21
1Q22
20.48
17.39
2.98%
6.41%
(3.76%)
1.50%
(5.44%) 5.20%
1.02% 5.20%
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
Loan Structure and Loan Growth
March 2022 (Consolidated, TFRS 8: Operating Segments*)
Loan Portfolio Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Loan Portfolio
Bt bn
2,458
Consolidated
2,422
2,800
2,002
2.245
Amount (Bt bn)
Dec 21
1Q22
1Q22
Y2022
Mar 22 Loan Growth Yield Range Loan Growth Target
1,914
2,400
34%
2,000
34%
36%
Corporate
SME
(%)
(%)
Corporate Loans
816
840
2.8%
2-4%
1,600
36%
34%
SME Loans
793
806
1.7%
5-7%
1,200
339
Retail
33%
359
34°
339
Retail Loans
711
702
(1.3%)
5-7%
800
Others
400 25%
28%
28%
29%
29%
Other Loans
101
111
9.3%
0
4%
4%
3%
4%
Total Loans
2,422
2,458
1.5%
4.8%
(%)
1-3%
4-6%
9-11%
6-8%
2018
2019 2020 2021 1Q22
Loan Growth (% YoY)
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.
Loan by Retail Products (All Segments)**
(%)
15
(Amount in Bt bn)
Dec 21
Mar 22
Y2021
Loan
12.13
Growth
1Q22
Loan
Growth
% Portion
to
Total Loan
10
7.88
6.17
6.77
(%)
(%)
4.59
5
Housing Loans
483
474
7.6
(1.7)
19.3
0
2018
2019
2020
2021
1Q22
Credit Cards
Consumer Loans
KLeasing
102
96
11.9
(5.4)
3.9
66
68
102.5
2.7
2.8
121
125
5.4
3.3
5.1
2018
Loans (Bt bn)
Loan Growth (% YoY)
1,914
2019
2,002
2020
2,245
2021
1Q21
1Q22
4Q21
1Q22
2,422
2,302
2,458
2,422
2,458
Loan Growth (% YTD)
6.17%
6.17%
4.59%
4.59%
12.13%
12.13%
7.88%
7.88%
12.69%
6.77%
7.88%
2.56%
1.51%
7.88%
6.77%
1.51%
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.
87
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: Other Loans: Composed of loans through the insurance business (MTL), regional markets, 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 to retail customer segments; Credit Cards: KBank's credit card loans to all eight customer segments;
Consumer Loans: KBank's consumer loans to retail customer segments; KLeasing: KLeasing's loans to all eight customer segments
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