Financial Highlights

​​​​​​​​Item (Consolidate)​1H18​2017
2016​
201520142013
Statements of Financial Position & Statements of Comprehensive Income (Bt mn) :
Assets3,025,1972,900,841 2,843,278 2,555,305 2,389,137 2,290,045
Deposit1,902,5351,878,672 1,794,835 1,705,379 1,629,831 1,529,835
Loan1,838,4021,802,783 1,697,581 1,609,887 1,527,080 1,438,978
Interest Income60,651119,337 115,873 114,354 113,578 106,226
Interest Expense12,58925,176 26,195 29,341 30,446 33,428
Non Interest Income31,35062,695 63,725 62,503 55,523 47,520
Other operating expenses (Non Interest Expense)32,66566,372 63,854 66,656 61,419 52,270
EBPT46,74790,484 89,548 80,859 77,237 68,047
Net Profit21,68234,338 40,174 39,474 46,153 41,325
Performance Ratio (%):
ROA1.461.20 1.49 1.60 1.97 1.89
ROE12.2210.24 13.23 14.54 19.38 20.45
NIM3.43.4 3.5 3.7 3.8 3.6
Efficiency Ratio41.142.3 41.6 45.2 44.3 43.4
Asset Quality:
NPL gross (Bt mn)72,44669,674 65,087 49,490 36,067 33,525
NPL net (Bt mn)41,89538,570 33,553 24,586 15,494 14,664
Reserve (Bt mn)108,730103,435 85,212 64,317 50,992 45,099
NPL gross/Loan (%)3.33.3 3.3 2.7 2.2 2.1
NPL net/Loan (%)1.91.9 1.7 1.4 1.0 0.9
Reserve/NPL gross (%)150.1148.5 130.9 130.0 141.4 134.5
Capital** (%):
CAR18.118.0 18.8 18.0 17.3 15.8
Tier 115.615.7 15.2 14.5 13.5 12.6

Note :

* Including the effect from the recognized item of deferred tax in the income statement in the fourth quarter of 2011 in line with International Accounting Standards. However, this is an one-time impact. Since this is the accounting item adjustment, it is not involved with the actual tax payment to the Revenue Department. The Bank and subsidiaries’ business undertaking, profitability and capital fund have not been affected.

** 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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