KASIKORNBANK Strategic Acquisition slide image

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 บริการทุกระดับประทับใจ 88
View entire presentation