Financial Highlights

​​​​​​​​Item (Consolidate)​​1H21​​2020​​2019​2018​2017
2016​
Statements of Financial Position & Statements of Comprehensive Income (Bt mn) :
Assets3,886,863 3,658,798 3,293,889 3,155,091 2,900,841 2,843,278
Deposit2,480,781 2,344,998 2,072,049 1,995,001 1,878,672 1,794,835
Loan2,383,320 2,244,821 2,001,956 1,914,072 1,802,783 1,697,581
Interest Income65,577127,592130,178123,922 119,337 115,873
Interest Expense7,727 18,570 27,490 25,38425,176 26,195
Non Interest Income23,033 45,869 57,80356,94562,695 63,725
Other operating expenses (Non Interest Expense)33,60069,997 72,729 68,34866,372 63,854
EBPT47,28284,895 87,762 87,13590,484 89,548
Net Profit19,52129,487 38,727 38,45934,338 40,174
Performance Ratio (%):
ROA1.03 0.851.201.271.20 1.49
ROE8.87 7.109.9010.6110.24 13.23
NIM3.2 3.33.3 3.43.4 3.5
Efficiency Ratio41.5 45.245.344.042.3 41.6
Asset Quality:
NPL gross (Bt mn)106,920101,00784,03874,40069,674 65,087
NPL net (Bt mn)n.a. n.a.55,685 41,43138,570 33,553
NPL gross to Total Loans (%)4.0
3.93.73.33.3 3.3
NPL net to Total Loans (%)n.a.n.a.2.51.91.9 1.7
Coverage Ratio (%)154.1 149.2148.6160.6148.5 130.9
Capital** (%):
CAR18.2 18.819.618.318.0 18.8
Tier 115.8 16.116.215.915.7 15.2

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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