KASIKORNBANK Financial Overview
K
EXCELLENCE
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
SME Business: Performance and Market Position
Multi-Corporate
Business
Large Corporate
Business
Medium
Business
Small and Micro
Business
High Net Worth
Individual
#1 in Market Share by Value
30%
29%
27%
30%
30%
Affluent
Middle
Income
Mass
#1 in Main Bank Status
30%
27%
27%
28%
29%
20%
20%
(#1)
(#1)
(#1)
(#1)
(#1)
(#1)
(#1)
(#1)
10%
10%
0%
0%
2009
2010
2011
2012
Source: KBank Customer Survey (updated annually)
Performance and Market Position
2010
2012
2009
2011
Source: KBank Customer Survey (updated annually)
■ Strengthened #1 Main Bank position by acquiring new trade credit customers and offering effective cross-selling cash management
solutions and packages
■ Strengthened #1 position in SME market - "Bank for SMEs❞
■ Targeted to be SME market leader in all areas
Improved market share from 29% in 2010 to 30% in 2011; market share maintained at 30% in 2012
Improved capital usage efficiency by increasing total income to loan ratio
■ Only bank to offer a 2-day credit approval process for small and micro SMEs, with receipt of funds within 5 days
■ Only bank to offer comprehensive solutions to SMEs through K SME Care program (launched in 2006, with a total of 19 classes and
about 10,000 participants so far) and K SME Care Knowledge Center (established in 2009)
Network coverage: Network coverage includes 877 branches, 177 SME business centers, 63 Corporate & SME service centers,
6 Corporate business centers, and 26 Cheque direct service offices (March 2013)
Note: -SME Business in Thailand accounts for 37.9% of Thailand's GDP, or Bt3.4trn; 2.8 million SME customers with 0.57 million registered as legal entities (as of June 2010); supported by
the government to become a key factor in economic and social growth
-Market share by value = share of revenue (derived from both credit and non-credit products) that each bank gains from the market
-Main Bank Status = % of customers in the market who use KBank and its wholly-owned subsidiaries as their main operating bank and/or main savings and investment bank and/or
main borrowing bank
บริการทุกระดับประทับใจ
21
21
K
EXCELLENCE
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Retail Business: Performance and Market Position
Multi-Corporate Large Corporate
Business
#1 in Bancassurance*
(Total Premium and New Business Premium)
Business
Medium
Business
Small and Micro High Net Worth
Business
Individual
Affluent
Middle
Income
Mass
#1 in Mutual Fund (KAsset)
Mortgage Loan
(% Market Share)
Ranked #1 in both total and new
business premium
(% Market Share)
Ranked #1 in Mutual Fund AUM
(KAsset)
(% Market Share)
30%
30%
15%
25.02%
23.47%
22.98%
25.52%
24.31%
Maintaining good quality portfolio with lowest %NPL ratio
among large commercial banks
25%
22.08%
22.26%
22.74%
23.72%
23.70%
20.47% 19.16%
20.78%
20% -15.77%
9.56%
9.38%
9.25%
20%
10%
8.81%
16.13%
■New
7.67%
15%
10% (#2)
(#2)
(#1) (#2)
(#2)
(#1)
Business
(#1)
(#1)
(#1)
(#1)
(#2)
(#2)
(#1)
Total
Premium
(#2)
(#1)
10%
5%
(#2)
(#3)
(#3)
(#3)
(#3)
5%
0%
0%
0%
2010
2012
1Q13
2009
2010
2011
2012
1Q13
2009
2010
2011
2012
1Q13
2009
2011
Performance and Market Position
■ Strong market penetration to affluent customers with 72% penetration in 1Q13 (constant increase from 40% in 2010)
Bancassurance: MTL claims #1 position of Total Premium and New Business Premium in 1Q13
■Mutual Funds: KAsset maintains #1 position with high net increase in AUM and wider gap with 2nd player
Mutual Funds + Private Funds + Provident Funds: KAsset maintains #1 position with highest total AUM for the fifth consecutive year
■Mortgage Loans: Ranked top 3 with 9.25% market share in 1Q13 with conservative growth (in line with industry) and maintaining
good quality portfolio
Credit Cards: KBank ranked #2 in total spending and number of cards, with high spending volume of Bt59bn and 2.7mn cards;
ranked #1 in card-accepting merchant services (such as EDC, payment gateway, etc.) with 33% market share by volume in 1Q13
Debit Cards: Maintain leader position in 1Q13 with new attractive spending campaigns to match customer lifestyles, resulting in the
highest debit card spending in the industry
Market leader in Digital Banking, with 60% market share of Thailand Digital Banking users (Brand of Thailand Website, December
2012) and #1 Digital Banking top of mind Brand perception rating (Nielsen, 2012)
Network Coverage: 877 branches; 7,689 ATMs; 1,464 CDMs; 146 K-Lobby; and 39 THE WISDOM Centers and Corners (March 2013)
Note: * Total Premium = New Business Premium (NBP) + Renewal Premium; New Business Premium = First Year Premium (FYP) + Single Premium (SP)
บริการทุกระดับประทับใจ
22
22View entire presentation