Financial Highlights



Item (Consolidate)9M24
20232022

2021

20202019
Statements of Financial Position & Statements of Profit or Loss and Other Comprehensive Income (Bt mn) :
Assets 4,367,025
4,283,556
4,246,369
4,103,399
3,658,798 3,293,889
Deposit 2,770,120
2,699,562 2,748,685
2,598,630
2,344,998 2,072,049
Loan 2,433,613
2,490,398 2,495,077 2,421,813 2,244,821 2,001,956
Interest Income 143,281
183,608 151,333 135,415
127,592 130,178
Interest Expense 30,249
35,164
18,334 16,024 18,570 27,490
Non Interest Income 36,229
44,209 40,259 43,958 45,869 57,803
Other operating expenses (Non Interest Expense) 64,101
84,968 74,753
71,044 69,997 72,729
EBPT 85,159 107,685 98,505
92,305
84,895 87,762
Net Profit 38,104
42,405 35,769 38,053 29,487 38,727
Performance Ratio (%):
ROA 1.17
0.99 0.86 0.98 0.85 1.20
ROE 9.47
8.29 7.38
8.44 7.10 9.90
NIM 3.66 
3.66 3.33
3.21 3.27 3.31
Efficiency Ratio 42.95
44.10 43.15 43.49 45.19 45.32
Asset Quality:
NPL gross (Bt mn) 92,937
94,241 92,536 104,036
101,007 84,038
NPL net (Bt mn) n.a. n.a. n.a. n.a. n.a. 55,685
NPL gross to Total Loans (%) 3.2
3.2
3.2 3.8 3.9 3.7
NPL net to Total Loans (%) n.a.
n.a. n.a.
n.a. n.a. 2.5
Coverage Ratio (%) 150.7
152.2 154.3 159.1
149.2 148.6
Capital** (%):
CAR 20.6 19.4 18.8 18.8 18.8 19.6
Tier 1 18.6
17.4 16.8 16.5 16.1 16.2

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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