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
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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
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