KBank's Strategic Acquisition in Muang Thai Group Holding
K
KASIKORNTHAI
Asset Quality and Expected Credit Loss (Provision)
March 2023 (Consolidated)
Expected credit loss (Provision)
(Bt bn)
During 1997
Asian Crisis*
160.6
159.1
141.4
148.5
149.2
127.1 134.5 130.0
111.0
154.3
148.6
131.8
130.9
Coverage Ratio
During 1997
Asian Crisis*
(%)
51.9
150
43.5
41.8
40.3
33.8
32.5 34.0
100
26.4
12.7
48.8
14.2
50 34.7
6.7 7.3 8.4 11.7
25.430.034.2
2.3
0.7
1996 1997 1998 1999 2000
0
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 1023
1996 1997 1998 1999 2000
54
50.6
49
44
44.1
39
34
29
24
19
16.8
Note: Provision referred to Impairment Loss on Loans and Debt Securities;
from January 1, 2020 onwards based on TFRS9, provision refers to Expected Credit Loss
During 1997 Asian Crisis*
888
(%)
42.00
30
40
40
31.70
723
23.50
NPL Ratio and Credit Cost
156.7
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 1923
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
I Asset quality is to be closely
monitored and constantly
reviewed.
NPL ratio in 1Q23 was at 3.04%,
with coverage ratio of 156.68%.
INPL ratio dropped YoY from
proactively embarking and
cooperating with professional
partners to enhance the
effectiveness of NPL management.
■1Q23 credit cost improved QoQ
but increased YoY; continuous
prudent consideration of the
uncertain economic outlook and
business strategy.
(bps)
900
NPL ratio
Credit cost
700
30
500
287
168 204 239
205
175 174
173
211 205
300
15.90
10
10
44
66 64 66
5.10
NPL was peak at
42.3% in 1Q99
96
85
2.91 2.45 2.16 2.11 2.24 2.70 3.32 3.30 3.34 3.65 3.93 3.76 3.19 3.04
100
0
-100
1996 1997 1998 1999 2000
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020** 2021 2022 1Q23
NPL Ratio by Business
Corporate Business
SME Business
Retail Business***
2017 2018 2019 2020 2021 2022 1Q23
<2% <2% <2% <2% <2% <2% <2%
-5% 5% 6% <7% <7% <7% <7%
-4% 4% 4% <5% <5% <5% <5%
20
20
Notes: * Data in 1996-1997 is KBank only
** 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).
*** NPL ratio in retail business, excluding 180 dpd (days past due) of credit card and consumer loans for peer comparison
K
KASIKORNTHAI
ROA and ROE
March 2023 (Consolidated)
ROA
บริการทุกระดับประทับใจ
(%)
ROE**
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
(%)
24
2.5
20
2.0
16
1.5
1.20
0.98
1.01
12
9.90
1.0
0.85
0.86
8.44
8.43
7.10
7.38
8
0.5
4
0.0
0
2019
2020*
2021
2022
1Q23
2019
2020
2021
2022
1Q23
ROA (%)
ROE (%)
2019 2020
2021
2022
1Q22
1Q23
4Q22
1Q23
1.20
0.85
0.98
0.86
1.09
1.01
0.30
1.01
9.90
7.10
8.44
7.38
9.30
8.43
2.63
8.43
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).
** ROE = Net profit (attributable to equity holders of the Bank) deduct dividend from other equity instruments after income tax divided by average equity of equity excluded
other equity instruments
บริการทุกระดับประทับใจ
17
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