Creating the Future of Finance - Breakthrough Innovation
K
KASIKORNTHAI
Asset Quality
December 2022 (Consolidated)
(%)
NPL Ratio
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Coverage Ratio
Classified Loans*
(%)
(Bt bn)
Stage 1 Performing
2020
2021
2022
1,951
2,130
2,230
200
5
160.60
3.93
148.60 149.19
159.08 154.26
3.65
3.76
4
3.34
3.19
150
3
100
Stage 2 Under-performing
Stage 3 Non-performing
Total
201
202
188
103
106
93
2,256 2,438
2,511
2
50
1
0
0
2018 2019 2020 2021
2022
2018 2019 2020 2021 2022
NPL ratio in Y2022 was 3.19%, with a coverage ratio of 154.26%.
NPL ratio dropped YoY from proactively embarking and cooperating with professional partners to enhance the
effectiveness of NPL management.
Asset quality is manageable with closely monitored and constantly reviewed.
2018
2019
2020
2021
2022
1Q22
2Q22
3Q22
4Q22
NPL Ratio (%)
Coverage Ratio (%)
SML to Total Loans Ratio (%)*
Loans with significant increase in credit risk (%)
3.34
3.65
3.93
3.76
3.19
3.78
160.60
148.60
149.19
159.08
154.26
158.33
3.80
144.61
3.07
3.19
148.74
154.26
1.90
2.80
7.80
7.27
6.47
7.22
6.54
6.52
6.47
Note: * 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
K
KASIKORNTHAI
Expected Credit Loss and Credit Cost
December 2022 (Consolidated)
Impairment Loss of
Loans and Debt
Securities
Expected Credit Loss
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Credit Cost
(Bt bn)
60
51.92
(bps)
50
43.55
350
40.33
300
40
32.53
34.01
250
205
211
175
174
173
30
200
20
150
100
10
0
50
0
2018
2019
2020
2021
2022
2018
2019
2020
2021
2022
79
■Y2022 credit cost increased YoY to 211 bps, due to prudent consideration of the uncertain economic outlook and
business strategy.
■An increase also supported a global economic slowdown with the potential to enter a recession in the future and
Thailand's economic recovery will likely remain on an uneven path. Moreover, it also strengthens and increases flexibility
in asset quality management to ensure readiness to support groups of customers according to the Bank's strategic
direction, so that customers can operate their businesses with potential align with the upcoming business opportunities.
Expected Credit Loss (Bt bn)
2018
32.53
2019
34.01
2020
43.55
2021
2022
40.33
51.92
1Q22
2Q22
3Q22
4Q22
9.34
9.85
9.95
22.78
(Impairment Loss of Loans and Debt Securities)
Credit Cost (bps)
175
174
205
173
211
153
159
161
368
บริการทุกระดับประทับใจ
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