KASIKORNBANK Economic and Subsidiaries Performance Overview
K
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
KASIKORNTHAI
Loan Portfolio Breakdown by Business, Residency of Borrowers, and Maturity of Interest Repricing
June 2023 (Consolidated)
(Bt bn)
3000
Loan Portfolio by Business*
By Residency of Borrowers (December 2022)*
Foreign
5.14%
2,495
2,422
2,449
2500
2,245
Others
2000
1500
1,781
1,527 1,610 1,680
15.7% 14.5% 13.3% 13.3% 13.6 % 15.3%
1,977
1,891
17.7% 18.3% 18.4%
16.8%
Housing loans
1000
6.9%
6.6%
% 15.3%
% 16
14.5% 14.3%
14.7%
14 8%
8.8%
12.5% 13.2% 14.8% 13.9% 13.7% 13.0%
6.8% 8.6% 9.0% 9.1% 8.6% 8.6% 8.4%
11 %
Infrastructure and services
14.1%
Property development and
construction
Manufacturing and commerce
500
48.1% 49.1% 48.6% 47.9% 46.7% 44.5% 41.7% 40.5% 42.1% 41.7%
0
■Agriculture and mining
2.0% 1.9% 2.1% 1.9% 1.8% 1.7% 1.6% 1.4% 1.5% 1.6%
2014 2015 2016 2017 2018 2019 2020 2021 2022 1H2023
Domestic
94.86%
By Maturity of Interest Repricing (December 2022)*
Definition of Loans
1) by industry Gross loans Loans to customers less deferred revenue
2) by currency = Loans to customers and AIR - net
3) by maturity of interest repricing = Loans to customers less deferred revenue
Loans by Bangkok and Metropolitan vs. Upcountry
Loan by Bangkok and Metropolitan vs. Upcountry
Proportion of KBank's Outstanding Lo: 2015 2016 2017 2018 2019 2020 2021 2022 1H23
Bangkok and Metropolitan
Upcountry
64% 63% 64% 62% 59% 58% 62% 62% 65%
36% 37% 36% 38% 41% 42% 38% 38% 35%
> 6 months
19.98%
Others
0.65%
<=6 months
9.36%
Note: *The information on loans breakdown by industry, residency of borrowers, and maturity of interest repricing are disclosed on half year basis
Immediate
repricing
70.01%
K
KASIKORNTHAI
Asset Quality
June 2023 (Consolidated)
NPL Ratio
บริการทุกระดับประทับใจ
Coverage Ratio
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Classified Loans**
79
19
(%)
(%)
5
200
3.93
3.65
3.76
148.60 149.19
159.08 154.26 147.31
4
3.19 3.20
150
(Bt bn)
Stage 1 Performing
Stage 2 Under-performing
Stage 3 Non-performing
2021
2,130
2022
1Q23
2Q23
2,230
2,211
2,192
202
188
181
179
106
93
89
94
3
100
Total
2,438
2,511
2,481
2,465
2
1
0
50
0
2019 2020 2021 2022 1H23
2019 2020 2021 2022 1H23
NPL ratio in 1H23 was at 3.20%, with a coverage ratio of 147.31%.
NPL ratio dropped YoY from proactively embarking and cooperating with professional partners to enhance the
effectiveness of NPL management.
Asset quality is to be closely monitored and constantly reviewed.
2019
2020
2021
2022
1H22
1H23
1Q23
2Q23
NPL Ratio (%)
3.65
3.93
3.76
3.19
3.80
3.20
3.04
3.20
Coverage Ratio (%)
148.60
149.19
159.08 154.26
144.61
147.31
156.68
147.31
SML to Total Loans Ratio (%)*
2.80
Loans with significant increase in credit risk (%)
7.80
7.27
6.47
6.54
6.15
6.25
6.15
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).
** Loans to customers and accrued interest receivables: Under TFRS 9, the classified loans are defined by 3 stages based on incremental risks, which cannot directly compare with
the previous number these were defined by days past due.
บริการทุกระดับประทับใจ
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