Financial Highlights

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​​​​​​​​​​Item (Consolidate)​​2022​
2021

​2020​​2019​2018​2017
Statements of Financial Position & Statements of Comprehensive Income (Bt mn) :
Assets4,246,369
​4,103,399
 3,658,798 3,293,889 3,155,091 2,900,841
Deposit2,748,685​​2,598,630​
 2,344,998 2,072,049 1,995,001 1,878,672
Loan2,495,077​2,421,813​​ 2,244,821 2,001,956 1,914,072 1,802,783
Interest Income​151,333​135,415
​127,592​130,178​123,922 119,337
Interest Expense18,334​​
16,024​ 18,570 27,490 25,384​25,176
Non Interest Income​40,259​43,958​ 45,869 57,803​56,945​62,695
Other operating expenses (Non Interest Expense)​74,753​​​71,044​​69,997 72,729 68,348​66,372
EBPT98,505​​92,305
​84,895 87,762 87,135​90,484
Net Profit35,76938,053​​29,487 38,727 38,459​34,338
Performance Ratio (%):
ROA​0.860.98​ 0.85​1.20​1.27​1.20
ROE​7.388.44​ 7.10​9.90​10.61​10.24
NIM​3.3​3.2​ 3.3​3.3 3.4​​3.4
Efficiency Ratio​43.243.5​ 45.2​45.3​44.0​42.3
Asset Quality:
NPL gross (Bt mn)​92,536​​104,036
​101,007​84,038​74,400​69,674
NPL net (Bt mn)​n.a.​n.a. n.a.​55,685 41,431​​38,570
NPL gross to Total Loans (%)3.2​
3.8​3.9​3.7​3.3​3.3
NPL net to Total Loans (%)​n.a.​n.a.​​n.a.​2.5​1.9​1.9
Coverage Ratio (%)​154.3​​​159.1​
 149.2​​148.6​160.6​148.5
Capital** (%):
CAR​18.8​18.8​​​ 18.8​​19.6​18.3​18.0
Tier 1​16.816.5​​ 16.1​​16.2​15.9​15.7

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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