Financial Highlights

​​​​​​​​Item (Consolidate)​9M20​​2019​2018​2017
2016​
2015
Statements of Financial Position & Statements of Comprehensive Income (Bt mn) :
Assets 3,545,648 3,293,889 3,155,091 2,900,841 2,843,278 2,555,305
Deposit 2,273,850 2,072,049 1,995,001 1,878,672 1,794,835 1,705,379
Loan 2,156,650 2,001,956 1,914,072 1,802,783 1,697,581 1,609,887
Interest Income97,118130,178123,922 119,337 115,873 114,354
Interest Expense 14,699 27,490 25,38425,176 26,195 29,341
Non Interest Income 33,561 57,80356,94562,695 63,725 62,503
Other operating expenses (Non Interest Expense)49,724 72,729 68,34866,372 63,854 66,656
EBPT66,256 87,762 87,13590,484 89,548 80,859
Net Profit16,229 38,727 38,45934,338 40,174 39,474
Performance Ratio (%):
ROA 0.631.201.271.20 1.49 1.60
ROE 5.319.9010.6110.24 13.23 14.54
NIM 3.33.3 3.43.4 3.5 3.7
Efficiency Ratio 42.945.344.042.3 41.6 45.2
Asset Quality:
NPL gross (Bt mn)96,74384,03874,40069,674 65,087 49,490
NPL net (Bt mn) n.a.55,685 41,43138,570 33,553 24,586
NPL gross to Total Loans (%)4.03.73.33.3 3.3 2.7
NPL net to Total Loans (%)n.a.2.51.91.9 1.7 1.4
Coverage Ratio (%) 161.1148.6160.6148.5 130.9 130.0
Capital** (%):
CAR 18.519.618.318.0 18.8 18.0
Tier 1 15.716.215.915.7 15.2 14.5

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

** Capital Adequacy Ratio (CAR) has been reported in accordance with Basel III Capital Requirement from 1 January 2013 onwards. CAR is based on KASIKORNBANK FINANCIAL CONGLOMERATE. KASIKORNBANK FINANCIAL CONGLOMERATE means the company under the Notification of the Bank of Thailand re: Consolidated Supervision, consisted of KASIKORNBANK, K Companies and subsidiaries operating in supporting KBank, Phethai Asset Management Co., Ltd. and other subsidiaries within the permitted scope from the BOT’s to be financial conglomerate.

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