KASIKORNBANK Financial Overview slide image

KASIKORNBANK Financial Overview

K EXCELLENCE Segment Performance Highlights Main Bank Status ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK No. of Customers and Overall Customer Satisfaction 30% 28% 27% 27% 29% SME Business No. of Customers (mn) * Overall Customer Satisfaction ** 15 85 85 86 86 24% 25% 26% Corporate Business 83 85 100 25% 80 24% 23% 10 20% 17% 60 14% 17% Retail Business 11.1 15% 10.9 40 5 11% 12% 10.0 10% 10% 5% 2008 2009 2010 2011 Main Bank Status = % of customers in the market who use KBank and its wholly-owned subsidiaries as their main operating bank and/or main saving and investing bank and/or main borrowing bank Average Product Holdings per Customer Old Definition New Definition*** 2.78 2.81 2.82 2.69 8.0 9.0 6.9 7.5 20 0 0 2007 2008 2009 2010 2011 2012 No. of Customers (mn) 2012 1Q13 Overall Customer Satisfaction (Overall) 1.69 2.15 2.46 (By Business Division) 2007 2008 2009 2010 2011 2011 (New) 2012 (New) 4.59 4.41 3.12 3.11 3.30 3.54 2.67 2.82 2.86 3.04 2.48 2.17 2.69 2.80 RBS 1.71 1.83 2.10 2.12 2.14 2.56 SME 1.44 CBS 2007 2008 2009 2010 2011 2011 2012 (New) (New) *** In 2012, the Average Product Holding calculation is adjusted in all eight customer segments to align with our better understanding of customer behavior; 2011 numbers were restated for comparison purposes * Customers in Retail Business Division (RBS) account for 94%, SME Business Division (SME) 6%, and Corporate Business Division (CBS) less than 1% of customer portfolio ** Customer Satisfaction Index are calculated using the weighted average of customer satisfaction index from our eight customer segments ■Customer-centric strategy and new IT capabilities have helped improve segment performance over the past few years ■Segment benefits: ➤ No. of customers grew 61%, from 6.9mn in 2007 to 11.1mn in 1Q13; new customers grew 2% YTD from Y2012 ➤ Main Bank Status and Market Penetration increased on track with our customer segment aspirations ➤ Average product holdings per customer increased as a result of higher cross-selling capability; the overall average product holdings per customer rose to 2.82 in 2012, from 2.69 in 2011 ➤ Overall Customer Satisfaction increased from 83 in 2007 to 85 in 2012; the index for retail customers exceeded the World Finance Industry Norm บริการทุกระดับประทับใจ 27 K EXCELLENCE Revenue by Eight Customer Segments March 2013 ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Loan Portion Average Loan Yield (%) 4.5% Multi-Corporate Business 16.8% Large Corporate Business 4.6% 17.6% Medium Business Non-interest income * Middle Income 28% 22.0% 6.7% Small & Micro Business 17.2% 9.7% High Net Worth Individual 4.3% 0.3% 3.2% Affluent 5.3% Middle Income 22.3% 6.9% Mass 9.6% 0.6% Multi- Mass Corporate 10% Business 12% Large Corporate Business 8% Medium Business 12% Small & Affluent 11% Micro Business 14% High Net Worth Individual 5% * Non-interest income excludes capital market business, treasury business and others Note: Loan portion and loan yield of each customer segment includes loans from the Enterprise Risk Management Division (NPL + Performing Restructured Loans); figures are not comparable with loan data in other pages บริการทุกระดับประทับใจ 28
View entire presentation