KASIKORNBANK Analyst Meeting Presentation
K
KASIKORNTHAI
Asset Quality and Expected credit loss (Provision)
September 2021 (Consolidated)
Expected credit loss (Provision)
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
During 1997
(Bt bn)
Asian Crisis*
54
50.6
48
44.1
42
36
30
24
16.8
18
12
6 2.3
9.4
14.2
11.7
6.7 7.3 8.4
0.7
Coverage Ratio
1
During 1997
Asian Crisis*
I
(%)
150
41.8
43.5
33.8
32.5 34.0
127.1 131.8 134.5 141.4
130.0
148.5
111.0
130.9
191.6
30.8 100
26.4
1996 1997 1998 1999 2000 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020"* 9M21
50 34.7
48.8
25.4 30.0 34.2
0
160.6
148.6 149.2
157.0
1996 1997 1998 1999 2000 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020**9M21
Note: Provision referred to Impairment Loss on Loans and Debt Securities;
from January 1, 2020 onwards based on TFRS9, provision refers to Expected Credit Loss
NPL Ratio and Credit Cost
Asset quality remains manageable;
closely monitored and constantly
reviewed.
■NPL ratio in 9M21 was at 3.85%,
with coverage ratio of 157.0%.
9M21 credit cost was 175bps;
while COVID-19 negatively
affected asset quality, relief
measures lessened impact in the
short-term.
During 1997 Asian Crisis*
(%)
42532505
42.0
888
723
31.7
23.5
15
NPL was peak at
287 42.3% in 1Q99
15.9
10
44
5.1
(bps)
900
NPL ratio
Credit Cost
700
500
168
239
204
102
175 174
205
300
175
3.76
14
85
66
66 64
3.76 2.45 2.16 2.11 2.24 2.70
96
3.32 3.30 3.34 3.65 3.93 3.85
100
-100
1996 1997 1998 1999 2000 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020** 9M21
NPL Ratio by Business
Corporate Business
SME Business
Retail Business***
2016 2017 2018 2019 2020
<2% <2% <2% <2% <2% <2%
-5% -5% -5% -6% <7% <7%
-4% -4% -4% -4% <5% <5%
1H21
Notes: * Data in 1996-1997 is KBank only
** 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).
*** NPL ratio in retail business, excluding 180 dpd (days past due) of credit card and consumer loans for peer comparison
K
KASIKORNTHAI
ROA and ROE
September 2021 (Consolidated)
ROA
บริการทุกระดับประทับใจ
(%)
24
ROE***
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
(%)
20
22
2.5
2.0
1.5
505
16
1.20
1.27
1.20
12
10.24
10.61
9.90
0.85 0.98
8.39
7.10
1.0
0.5
05
8
4
0.0
0
2017 2018 2019 2020*
9M21
2017
2018
2019 2020*
I
9M21
ROA (%)
ROE (%)
2017
2018
2019
2020
9M20
9M21
1Q21
2Q21
3Q21
1.20
1.27
1.20
0.85
0.63
0.98
1.14
0.93
0.87
10.24
10.61
9.90
7.10
5.31
8.39
9.57
8.11
7.44
9
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.
*** ROE = Net profit (attributable to equity holders of the Bank) deduct dividend from other equity instruments after income tax divided by average equity of equity excluded
other equity instruments
บริการทุกระดับประทับใจ
10
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