KASIKORNBANK Financial Overview slide image

KASIKORNBANK Financial Overview

K EXCELLENCE ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Composition of Growth: Loans by Business Consolidated Target (Y2013) Loan Portfolio Amount (Bt bn) %YTD Growth % Yield Range Loan Growth Dec12 1Q13 1Q13 1Q13 Corporate Loans 416 424 2.1% 4-6% 4-6% SME Loans 469 473 0.8% 7-8% 10-12% Retail Loans 347 350 0.9% 6-7% 10-13% Other Loans 95 109 14.3% Total Loans 1,327 1,356 2.2% Loan Portfolio Structure 6.3% 9-11% (Bt bn) 1,500 1,327 1,356 7% 8% 26% 26% Other Loans 1,000- Retail Loans SME Loans 36% 35% Corporate Loans 500 31% 31% 0 2012 1Q13 Loan Definition (more details on loans can be found in App. page 52-53) Corporate Loans: Loans of KBank and KBank's Subsidiaries in Corporate Segments (Annual sales turnover > Bt400mn) SME Loans: Loans of KBank and KBank's Subsidiaries in SME Segments (Annual sales turnover Bt400mn) Retail Loans: Loans of KBank and KBank's Subsidiaries in Retail Segments Other Loans: Loans in Enterprise Risk Management Division (NPL + Performing Restructured Loans), and other loan types Y2013 Loan Growth Target: 9-11% Corporate Loans: 4-6% ➤ Growth target on long term investment and high capacity utilization industries and a focus on international trade customers ➤ Focused Industries: Auto & Parts, Construction Materials, Food & Beverage, Commerce and Transportation ■SME Loans: 10-12% ➤ Growth target reflects high demand from domestic consumption and international trade benefits from the FTA and AEC ➤ Focused Industries: Construction Materials, Construction, Hardware, Auto & Parts, Commerce, and Service ■Retail Loans: 10-13% ➤ Align target growth of mortgage loans with industry ➤ Focus on high yield products: K-Credit Card & K-Express Cash 1Q13 Loan Growth: 2.2% YTD and 11.1% YoY Corporate Loans: 2.1% YTD ➤ Mainly from short-term domestic and trade financial credit in Construction Materials, Financial Institution, Petroleum & Petrochemical Product, Service, and Real Estate ■SME Loans: 0.8% YTD ➤ Mainly from long-term credit; increased also in Commerce, Gems & Jewelry, and Transportation Retail Loans: 0.9% YTD ➤ Mainly from mortgage loans, slow growth in line with industry and seasonal effect. K-Express Cash shows highest growth with lower NPL than industry 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 บริการทุกระดับประทับใจ 9 K EXCELLENCE ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Deposits Growth and Loans to Deposits Ratio March 2013 (Consolidated) Deposits & B/E Loans to Deposits Ratio (Bt bn) 1,500 1,391 1,428 100% 97.9% 97.5% 1,242 96.5% 1,200 1,100 95.4% 94.9% 975 95% 900 600 94.7% 92.8% 93.5% 94.1% 93.8% 90% 300 33 52 36 19 17 0 85% 2009 2010 2011 2012 1Q13 2009 Deposit B/E 2010 --Loans to Deposits 2011 2012 1Q13 Loans to Deposits + B/E 2009 2010 2011 2012 1Q12 1Q13 4Q12 1Q13 Deposits (Bt bn) 975 1,100 1,242 1,391 1,306 1,428 1,391 1,428 Deposit (% YoY) 0.8% 12.8% 12.9% 12.0% 10.4% 9.39% 12.0% 9.39% Deposit (% YTD) 0.8% 12.8% 12.9% 12.0% 5.1% 2.65% 12.0% ! 2.65% Loans to Deposits (%) 96.5% 97.9% 97.5% 95.4% 93.4% 94.9% 95.4% 94.9% i บริการทุกระดับประทับใจ 10 10
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