Y2021 Financial Targets
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Loan Portfolio Breakdown by Industry, Currencies, and Interest Rate
December 2020 (Consolidated)
Loan Portfolio by Industry*
By Residency of Borrowers (December 2020)*
2,500
(Bt bn)
2,245
2,002
2,000
1,914
1,803
16.8%
■ Others
1,527
1,610
1,698
16.3%
14.6%
1,500
1,439
14.2%
1,327
14.5%
11.6%
15.7%
4.2%
14.3%
4.29
7.2%
Housing Loans
12.5%
4.89
5.5%
1,000 6.0%
13.0%
13.0%
6.7%
12.5%
6.9%
4.6%
14.7%
13.2%
6.6% 6.8%
13.7%
8.5%
4.9
6.2
13.5% 12.8%
8.9%
8.9%
14.2%
Utilities & Services
8.6%
Real Estate & Construction
6.5%
500
48.9% 48.9%
48.1%
49.1%
48.1%
47.3%
46.2% 46.2% 41.7%
0
2.4% 2.3% 2.0%
2012 2013 2014
1.9% 2.1% 1.9%
2015
1.8%
1.6%
2016 2017 2018 2019 2020
Manufacturing & Commerce
Agricultural and Mining
1.7%
Foreign
2.7%
Domestic
97.3%
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
Proportion of KBank's Outstanding Loans 2014 2015 2016 2017 2018 2019 2020 1Q21
Bangkok and Metropolitan
Upcountry
64% 64% 63% 64% 62% 59% 58% 63%
36% 36% 37% 36% 38% 41% 42% 37%
By Maturity of Interest Repricing (December 2020)*
> 6 months
16.2%
Others
0.5%
<=6 months
10.4%
Note: *The information on loans breakdown by industry, residency of borrowers, and maturity of interest repricing are disclosed on half year basis
Immediate
repricing
72.9%
K
KASIKORNTHAI
Asset Quality
June 2021 (Consolidated)
NPL Ratio
บริการทุกระดับประทับใจ
Coverage Ratio
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Classified Loans**
(Bt bn)
Stage 1 Performing
(%)
(%)
200
5
3.65
3.93 3.95
148.45 160.60 148.60 149.19
154.09
Stage 2 Under-performing
4
3.30 3.34
150-
3
Stage 3 Non-performing
Total
100-
2
1
50-
0
0
2017
2018 2019 2020* 1H21
2017
2018
2019
2020*
1H21
1Q21
2Q21
2,004
2,398
206
214
105
110
2,315
2,721
NPL ratio in 1H21 was at 3.95%, with a coverage ratio of 154.09%.
COVID-19 negatively affected asset quality; relief measures lessened the degree of impact in the short-term; overall
NPL situation remains manageable; while, asset quality is closely monitored and constantly reviewed.
2017
2018
2019
2020
1H20
1H21
1Q21
2Q21
NPL Ratio (%)
3.30
3.34
Coverage Ratio (%)
148.45
160.60
3.65
148.60
3.93
149.19
3.92
155.68
3.95
154.09
3.93
153.98
3.95
154.09
SML to Total Loans Ratio (%)*
2.59
1.90
2.80
Loans with significant increase in credit risk (%)
7.80
9.43
7.85
7.88
7.85
L
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
77
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