Financial Highlights



Item (Consolidate)1Q24
2023 2022

2021

20202019
Statements of Financial Position & Statements of Profit or Loss and Other Comprehensive Income (Bt mn) :
Assets 4,318,809
4,283,556
4,246,369
4,103,399
3,658,7983,293,889
Deposit 2,702,266
2,699,562 2,748,685
2,598,630
2,344,9982,072,049
Loan 2,463,771
2,490,398 2,495,077 2,421,813 2,244,8212,001,956
Interest Income 48,641
183,608 151,333 135,415
127,592130,178
Interest Expense 10,113
35,164
18,334 16,024 18,57027,490
Non Interest Income 11,624
44,209 40,259 43,958 45,86957,803
Other operating expenses (Non Interest Expense) 20,713
84,968 74,753
71,044 69,99772,729
EBPT 29,439 107,685 98,505
92,305
84,89587,762
Net Profit 13,486
42,405 35,769 38,053 29,48738,727
Performance Ratio (%):
ROA 1.25
0.99 0.86 0.98 0.851.20
ROE 9.99
8.29 7.38
8.44 7.109.90
NIM 3.76 
3.66 3.33
3.21 3.273.31
Efficiency Ratio 41.30
44.10 43.15 43.49 45.1945.32
Asset Quality:
NPL gross (Bt mn) 93,273
94,241 92,536 104,036
101,00784,038
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 3.93.7
NPL net to Total Loans (%) n.a.
n.a. n.a.
n.a. n.a.2.5
Coverage Ratio (%) 150.4
152.2 154.3 159.1
149.2148.6
Capital** (%):
CAR 19.4 19.4 18.8 18.8 18.819.6
Tier 1 17.4
17.4 16.8 16.5 16.116.2

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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