KASIKORNBANK Strategic Acquisition
K
KASIKORNTHAI
Interest Income - net
March 2022 (Consolidated)
Interest Income and Interest Expenses
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Interest Income - net
(Bt bn)
140.00
123.92
130.18 127.59 135.42
120.00
(Bt bn)
120.00
119.39
109.02
98.54
102.69
100.00
100.00
80.00
80.00
60.00
35.92
60.00
31.75
40.00
25.38 27.49
18.57
16.02
40.00
20.00
4.17
20.00
0.00
0.00
2018
2019
2020
Interest In come
2021
Interest Expenses
1Q22
2018
2019 2020 2021
■Interest Income - net
1Q22
1Q22 net interest income rose 12.86%, mainly due to higher yield on loans with continual loan growth,
and higher investment volume.
Interest Income (Bt bn)
Interest Expenses (Bt bn)
Interest Income - net (Bt bn)
Interest Income - net (% Growth YoY)
2018
2019
123.92
25.38
130.18
27.49
2020
127.59
18.57
2021
1Q21
1Q22
4Q21
1Q22
135.42
16.02
31.97 I 35.92
3.84
4.17
35.01
35.92
4.21
4.17
98.54
4.65%
102.69
109.02
4.21%
6.17%
119.39
9.51%
28.13
31.75
30.80
31.75
0.18%
12.86%
15.78% 12.86%
Note: Contributions from MTL's insurance business to KBank include non-interest income (e.g. net-premium earned-net), and interest income (e.g. interest income from investment portfolio);
however, all income sources from MTL will be netted with non-controlling interests.
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Non-interest Income and Structure
March 2022 (Consolidated)
Non-interest Income to Average Assets
Non-interest Income Structure
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Net Premium Earned and
Underwriting Expenses
83
(%)
(Bt bn)
4
120
(Bt bn)
91.43
100
87.90 80.49 80.65
3
80
72.13 72.57 69.36 70.98 |
1.88 1.79
65
2
1.32
1.13
56.95
(-99)
57.80
(+2%)
60
40
0.86
55-
1
45.87
(-21%)
4%
20
15.72 17.61
43.96
(4%)
0
2018
2019
0
45
2018
2019
2020
2021
1Q22
35
Net Premium Eamed
Net Premium Earned - net
2020*
2021
1Q22
Underwriting Expenses
67%
64%
Non-interest Income Ratio
25
80%
(Bt bn)
72%
14
8.86
(%)
5%
60
15
6%
0.1%
4%
15%
| (-25% YoY)
9
5%
50
D.1%
8%
3.54
37
36
5
14%
2%
40
16%
30
18%
100%
10%
4
27
13%
-0.16
30
22
0.3%
0.4%
-2%
2018
2019
-1% 2020
-4% 2021
-1
20
10
0
Net Premium Earned net
Gam on financ alinstrument measured at FVTPL
(Gan a Trading and FX tansactons- old)
Share of Prost from investments on Equity Methad
Gain on Investment
Fee and Service Income-nd
1022-0.6%
-0.2%
-21%
2018
-0.44
2019 2020* 2021 1022
■Net Premium Earned - net
-1.62 -1.89
Dvidendincome
2018
2019
2020
2021
1Q22
"Other Operating Income
Contributions from MTL's insurance business to KBank
include non-interest income (e.g. net-premium earned-
net), and interest income (e.g. interest income from
investment portfolio); however, all income sources from
MTL will be netted with non-controlling interests.
2018
Non-interest Income (Bt bn)
Non-interest Income Growth (%YoY)
56.95
2019
57.80
2020
45.87
2021
43.96
1Q21
11.89
1Q22
8.86
4Q21
1Q22
11.72
8.86
Non-interest Income Ratio (%)
(9.17%)
36.62
1.51%
(20.65%)
36.02
29.61
(4.17%)
26.91
19.30%
29.72
(25.49%)
(4.75%)
(25.49%)
21.82
27.57
21.82
Note:
- Non-interest Income Ratio = Non-interest Income/Total Operating Income - net
Net Premium Earned - net = Net Premium Earned less Underwriting Expense
- The Bank and its subsidiaries have adopted TFRIC 13: Customer Loyalty Programmes since January 1, 2014 onwards
* 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
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