KASIKORNBANK Strategic Acquisition
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
BOT Consultation Paper: Repositioning Thailand's Financial Sector
Digital Technology
Leveraging on Technology
and Data to Drive Innovation
3 Opens:
- Open Competition
- Open Infrastructure
- Open Data
Thai banks have been ready
for more open competition,
based on a level playing field
approach.
•
•
Sustainability
Managing Transition towards
Sustainability
Setting up data standard &
disclosure requirements for
financial institution's
environment-related activities
Tackling Thai households'
indebtedness via both demand
(consumers) and supply (loan
providers) sides
✓ Many initiatives, including open infrastructure and open data,
require amendments of laws and regulations, as well as cooperation
from other authorities.
✓ More precise impact assessment is pending a clearer plan and
details of the paper.
Source: BOT Consultation Paper, KResearch
•
•
.
Resiliency
Shifting from Stability to Resiliency
Players will be regulated in
accordance with their risk
profiles (risk proportionality)
Burdensome regulations will
be revised for greater
flexibility
While the BOT does not wish
to see digital assets adopted
as Means of Payment, it does
not rule out those with proven
stability and economic value
Nonbank Financial Institutions
will be evaluated and
regulated according to their
size and impact on the
economy & financial system
บริการทุกระดับประทับใจ
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
K
KASIKORNTHAI
Basel III: BOT Minimum Capital Requirement
Transitional Arrangement for Capital Requirement
133
All dates are as of 1 January
Conservation Buffer*
D-SIBS Buffer**
CET1: Min. Common Equity Tier 1 Ratio
(after conservation buffer and D-SIBS buffer)
Tier 1: Min. Tier 1 Ratio (after conservation buffer and
D-SIBS buffer)
6.625%
(6.0%+0.625%)
7.25%
(6.0%+1.25%)
7.875%
(6.0%+1.875%)
9.0%
(6.0%+2.5% +0.5%)
2016
2017
2018
2019
2020
2021
2022
2023
0.625%
1.25%
1.875%
2.5%
2.5%
2.5%
2.5%
2.5%
0.5%
1.0%
1.0%
1.0%
1.0%
5.125%
(4.5%+0.625%)
5.75%
(4.5%+1.25%)
6.375%
(4.5%+1.875%)
7.5%
8.0%
8.0%
8.0%
(4.5% +2.5%+0.5%)
(4.5%+2.5% +1%)
(4.5% +2.5% +1%)
(4.5%+2.5% +1%)
8.0%
(4.5%+2.5% +1%)
9.5%
(6.0%+2.5% +1%)
9.5%
(6.0% +2.5% +1%)
9.5%
(6.0%+2.5% +1%)
9.5%
(6.0%+2.5% +1%)
CAR: Min. Total Capital Ratio (after conservation buffer and
D-SIBS buffer)
9.125%
(8.5%+0.625%)
9.75%
10.375%
(8.5%+1.25%)
(8.5%+1.875%)
11.5%
(8.5% +2.5% +0.5%)
12.0%
(8.5%+2.5% +1%)
12.0%
(8.5% +2.5% +1%)
Countercyclical Buffer (Subject to the BOT consideration)***
0.0-2.5%
12.0%
(8.5%+2.5% +1%)
12.0%
(8.5%+2.5% +1%)
0.0-2.5%
Leverage Ratio
Parallel run period
(Tier 1/Exposure) ≥ 3%
Effective in
2023
(Tentative)
Liquidity Coverage Ratio (LCR)****
Effective (Phase-in)
(Liquid Assets/Net Cash Outflows within 30 days) ≥ 100%
LCR ≥ 60%
LCR ≥ 70%
LCR ≥ 80%
Effective in Jul-18
LCR ≥ 90%
LCR ≥100%
LCR ≥100%
LCR≥ 100% LCR ≥ 100%
Net Stable Funding Ratio (NSFR)
(Available Stable Funding / Required Stable Funding) ≥ 100%
NSFR ≥ 100% NSFR≥ 100% NSFR≥ 100% NSFR ≥ 100% NSFR ≥ 100%
NSFR ≥ 100%
Note:
* Conservation Buffer is to ensure adequate capital to absorb losses during periods of financial and economic stress
** D-SIBS (Domestic Systemically Important Banks) Buffer is to limit negative impact associated with the distress or failure of banks on domestic financial system and economy
***
In periods of excess aggregate credit growth, BOT may require banks to set a Countercyclical Buffer up to 2.5% to achieve the broader macro-prudential goal of protecting the banking sector
**** KBank's Average Liquidity Coverage Ratio (LCR) are 174%, 158% and 161% as of December 2021, June 2021 and December 2020, respectively; more details can be found on
Basel III Pillar 3 Disclosures Report
Remark: Banks with a capital ratio less than the required regulatory buffers will face various degrees of constraint on earning distribution
Source: The Bank of Thailand
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