KASIKORNBANK Analyst Meeting Presentation
K
KASIKORNTHAI
Net Interest Margin
September 2021 (Consolidated)
NIM
(%)
8.00
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Yield on Earnings Assets and Cost of Fund
(%)
6.00
5.45
5.29
5.21
54321
4.82 1
4.65
4.37
3.44
3.39
4.27
3.31
3.27
3.21
4.19
3.83 1
3.64
Yield on Loans
4.00
Yield on Earnings Assets
2.00
1.22
1.19
1.23
0.78
0.59
0
2017
2018
2019
2020**
9M21
1.11
1.11
1.14
0.71
0.00
Cost of Fund
0.54 Cost of Deposits*
2017
2018
2019
2020*
9M21
■NIM was 3.21% in 9M21, decreasing YoY, due to lower yield on loans from interest rate cut, deterioration of asset
quality and loans in relief measures, despite of lower cost of funds.
High portion of CASA (81%) also helped support low cost of fund.
2017
2018
2019
2020
9M20
9M21
1Q21
2Q21
3Q21
NIM (%)
3.44
3.39
3.31
3.27
3.34
3.21
3.16
3.22
3.23
Yield on Earnings Assets (%)
4.37
4.27
4.19
3.83
3.93
3.64
3.59
3.64
3.66
Yield on Loans (%)
5.45
5.29
5.21
4.82
5.00
4.65
4.56
4.67
4.71
Cost of Fund (%)
1.22
1.19
1.23
0.78
0.83
0.59
0.60
0.58
0.59
Cost of Deposits (%), incl DPA
1.11
1.11
1.14
0.71
0.76
0.54
0.55
0.54
0.54
Note: Cost of deposits including contributions to the Financial Institutions Development Fund (FIDF) and Deposit Protection Agency (DPA).
* The FIDF fee is temporarily reduce from 0.46% to 0.23% for 2 years, according to the BOT announcement in the Royal Gazette, during January 2020 to December 2021.
** The Bank and its subsidiaries have adopted new accounting standards (TFRS 9: Financial Instruments) since January 1, 2020 onwards, some financial statements and financial ratios are not
comparable with previous years' financial figures before Y2020, which were based on the prior accounting standards (non-TFRS9).
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
Cost to Income Ratio
September 2021 (Consolidated)
Cost to Income Ratio
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Cost to Average Assets Ratio
(%)
(%)
50
42.31
43.96
45.32
45.19
6
41.85
40
4 2.31
2.26 2.26
2.01
30
1.75
20
2
10
0
0
2017
2018
2019
2020*
9M21
2017 2018 2019 2020* 9M21
9M21 cost to income ratio was 41.85%, decreased YoY from an increase of net total income, despite
operating expenses increased; cost to income will rise seasonally in 4Q21.
2017
Cost to Income Ratio (%)
42.31
2018
43.96
2019
2020
9M20
9M21
1Q21
2Q21
3Q21
45.32
45.19
42.87
41.85
41.30
41.78
42.47
Cost to Average Assets Ratio (%)
2.31
2.26
2.26
2.01
1.94
1.75
1.78
1.78
1.71
Note: * The Bank and its subsidiaries have adopted new accounting standards (TFRS 9: Financial Instruments) since January 1, 2020 onwards, some financial statements and financial ratios are
not comparable with previous years' financial figures before Y2020, which were based on the prior accounting standards (non-TFRS9).
** The Bank restated the 1Q20 financial statements, due to reclassification of investment in trust fund to FVOCI.
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