KASIKORNBANK Economic and Subsidiaries Performance Overview
K
KASIKORNTHAI
Asset Quality and Expected Credit Loss (Provision)
June 2023 (Consolidated)
Expected credit loss (Provision)
(Bt bn))
54
During 1997
Asian Crisis*
50.6
160.6
148.5
159.1
149.2
141
127.1
134.5 130.0
154.3
111.0
148.6
131.8
130.9
147.3
Coverage Ratio
During 1997
Asian Crisis*
(%)
51.9
150
49
43.5
44
44.1
41.8
40.3
39
34
33.8
32.5 34.0
100
29
26.4
25.5
24
48.8
19
16.8
14.2
50 34.7
14
9
6.7 7.3 8.4 11.7
25.430.034.2
2.3
0.7
-1
0
1996 1997 1998 1999 2000
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 1H23
1996 1997 1998 1999 2000
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 1H23
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
During 1997 Asian Crisis*
888
42.00
(%)
40
31.70
723
23.50
NPL Ratio and Credit Cost
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
I Asset quality is to be closely
monitored and constantly
reviewed.
NPL ratio in 1H23 was at 3.20%,
with coverage ratio of 147.31%.
INPL ratio dropped YoY from
proactively embarking and
cooperating with professional
partners to enhance the
effectiveness of NPL management.
■1H23 credit cost remained high
due to prudent consideration of
uncertain economic outlook and
vulnerable customers.
(bps)
900
INPL ratio Credit cost
700
30
30
500
287
20
168
204
44
15.90
96
66 64
10
5.10
NPL was peak at14
42.3% in 1Q99
175 174 205 173
85
66
2.91 2.45 2.16 2.11 2.24 2.70 3.32 3.30 3.34 3.65 3.93 3.76 3.193.20
239
211 206
300
0
1996 1997 1998 1999 2000
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020** 2021 2022 1H23
Notes: Data in 1996-1997 is KBank only
NPL Ratio by Business 2017 2018 2019 2020 2021 2022 1H23
Corporate Business <2% <2% <2% <2% <2% <2% <2%
-5% -5% -6% <7% <7% <7% <7%
-4% 4% 4% <5% <5% <5% <5%
Retail Business***
** 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
TOQ
-100
SME Business
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17
K
KASIKORNTHAI
ROA and ROE
June 2023 (Consolidated)
ROA (%)
ROE (%)
ROA
(%)
ROE**
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
(%)
2.5
24
20
2.0
16
1.5
1.20
0.98
1.02
12
9.90
0.85
0.86
8.44
8.65
1.0
7.10
7.38
8
0.5
4
0.0
0
2019
2020* 2021
2022
1H23
2019
2020* 2021
2022
1H23
2019
2020
2021
2022
1H22
1H23
1Q23
2Q23
1.20
0.85
0.98
0.86
1.06
1.02
1.01
1.03
9.90
7.10
8.44
7.38
9.27
8.65
8.43
8.82
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).
** 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
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