Financial Highlights


​​​​​​​​​​Item (Consolidate)​​2023​​​2022

2021

​2020​​2019​2018
Statements of Financial Position & Statements of Comprehensive Income (Bt mn) :
Assets4,283,557
4,246,369
4,103,399
3,658,798 3,293,889 3,155,091
Deposit2,699,5622,748,685
2,598,630
2,344,998 2,072,049 1,995,001
Loan2,490,3982,495,0772,421,813 2,244,821 2,001,956 1,914,072
Interest Income183,608151,333135,415
127,592130,178123,922
Interest Expense35,164
18,33416,024 18,570 27,490 25,384
Non Interest Income44,21040,25943,958 45,869 57,80356,945
Other operating expenses (Non Interest Expense)84,96874,753
71,04469,997 72,729 68,348
EBPT107,68598,505
92,305
84,895 87,762 87,135
Net Profit42,40535,76938,05329,487 38,727 38,459
Performance Ratio (%):
ROA0.990.860.98 0.851.201.27
ROE8.297.38
8.44 7.109.9010.61
NIM3.73.3
3.2 3.33.3 3.4
Efficiency Ratio44.143.243.5 45.245.344.0
Asset Quality:
NPL gross (Bt mn)94,24192,536104,036
101,00784,03874,400
NPL net (Bt mn)n.a.n.a.n.a. n.a.55,685 41,431
NPL gross to Total Loans (%)3.2
3.23.83.93.73.3
NPL net to Total Loans (%)n.a.n.a.
n.a.n.a.2.51.9
Coverage Ratio (%)152.2154.3159.1
149.2148.6160.6
Capital** (%):
CAR19.418.818.8​​ 18.819.618.3
Tier 117.4​​16.816.5​​ 16.116.215.9

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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