KASIKORNTHAI Regulatory Capital and Financial Performance Update
K
KASIKORNTHAI
Loan Structure and Loan Growth
September 2023 (Consolidated, TFRS 8: Operating Segments*)
Loan Portfolio Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Loan Portfolio
(Bt bn)
2,800
Consolidated
2,421 2,495 2,438
Amount (Bt bn)
Dec 22
9M23
9M23
Y2023
Sep 23
Loan Growth Yield Range Loan Growth Target
2,245
2,400
(%)
(%)
2,002
2,000
34% 36%
36%
Corporate
Corporate Loans
880
878
(0.3%)
2-4%
36%
1,600
35%
SME Loans
780
724
1,200
33%
31%
34%
33%
30%
■SME
Retail
(7.2%)
5-7%
Retail Loans
703
677
(3.7%)
5-7%
800
Other Loans
132
160
21.3%
Others
400
28%
28% 29%
28%
28%
Total Loans 1)
2,495
2,438
(2.3%)
5-7%
(%)
4-6%
1-2%
2-4%
5-7%
0
4%
2019
3%
4%
5%
6%
2020
2021
2022
9M23
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.
1) Other loans were included loans through the World Business Group. In 9M23, WBG loans were Bt107bn, increased 30.1% YTD and 63.9% YoY
Loan by Retail Products (All Segments)**
(%)
(Amount in Bt bn)
Dec 22
Sep 23
50505
15
12.13
Y2022
Loan
Growth
9M23
Loan
Growth
7.88
% Portion
to
Total Loan
10 4.59
3.03
(%)
(%)
-5 2019
2020
2021
2022
-1.07
9M23
Housing Loans
443
430
(8.3)
(2.9)
17.6
Credit Cards
109
99
7.4
(9.1)
4.1
Consumer Loans
73
62
11.2
(15.2)
2.6
KLeasing
137
149
13.4
8.1
6.1
2019
Loans (Bt bn)
2,002
2020
2,245
2021
2022
9M22
9M23
1Q23
2Q23
3Q23
2,422
2,495
2,464
2,438
2,465
2,449
2,438
Loan Growth (% YoY)
Loan Growth (% YTD)
4.59%
4.59%
12.13% 7.88%
12.13% 7.88%
3.03%
0.83%
(1.07%)
0.28%
(1.61%)
(1.07%)
3.03%
1.75%
(2.29%)
(1.20%)
(2.29%)
(1.84%)
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.
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: Composed of loans through the World Business Group, the insurance business (MTL), 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 and all retail secured loans; Credit Cards: KBank's credit card loans to all eight customer segments; Consumer Loans: KBank's retail unsecured loans;
KLeasing: KLeasing's loans to all eight customer segments
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K
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
KASIKORNTHAI
Loan Portfolio Breakdown by Business, Residency of Borrowers, and Maturity of Interest Repricing
June 2023 (Consolidated)
(Bt bn)
3000
Loan Portfolio by Business*
By Residency of Borrowers (June 2023)*
Foreign
5.58%
2500
2,495
2,422
2,449
2,245
Others
2000
1,527 1,610 1,680
1500
1,891
1,781
15.7% 14.5% 13.3% 13.3% 13.6 % 15.3%
148%
1,977
17.7% 18.3% 18.4%
16.8%
Housing loans
% 16
1000
6.9%
6.6%
15 % 15.3%
14.5% 14.3%
14.7%
14.1%
12.5% 13.2% 14.8% 13.9% 13.7% 13.0%
6.8% 8.6% 9.0% 9.1% 8.6% 8.6% 8.4% 8.8%
11 %
500
2.0% 1.9% 2.1% 1.9% 1.8% 1.7% 1.6% 1.4% 1.5% 1.6%
0
2014 2015 2016 2017 2018 2019 2020 2021 2022 1H23
48.1% 49.1% 48.6% 47.9% 46.7% 44.5% 41.7% 40.5% 42.1% 41.7%
Infrastructure and services
Property development and
construction
Manufacturing and commerce
■Agriculture and mining
Domestic
94.42%
By Maturity of Interest Repricing (June 2023)*
Definition of Loans
1) by industry Gross loans Loans to customers less deferred revenue
2) by currency = Loans to customers and AIR - net
3) by maturity of interest repricing = Loans to customers less deferred revenue
Loans by Bangkok and Metropolitan vs. Upcountry
Loan by Bangkok and Metropolitan vs. Upcountry
Proportion of KBank's Outstanding Lo: 2015 2016 2017 2018 2019 2020 2021 2022 1H23
Bangkok and Metropolitan
Upcountry
64% 63% 64% 62% 59% 58% 62% 62% 65%
36% 37% 36% 38% 41% 42% 38% 38% 35%
> 6 months
18.19%
Others
0.65%
<=6 months
11.72%
Note: *The information on loans breakdown by industry, residency of borrowers, and maturity of interest repricing are disclosed on half year basis
Immediate
repricing
69.44%
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