Financial Highlights

​​​​​​​​Item (Consolidate)​1Q20​​2019​2018​2017
2016​
2015
Statements of Financial Position & Statements of Comprehensive Income (Bt mn) :
Assets3,483,5273,293,8893,155,0912,900,841 2,843,278 2,555,305
Deposit2,202,1122,072,0491,995,0011,878,672 1,794,835 1,705,379
Loan2,043,0932,001,9561,914,0721,802,783 1,697,581 1,609,887
Interest Income33,779130,178123,922119,337 115,873 114,354
Interest Expense5,69727,49025,38425,176 26,195 29,341
Non Interest Income7,37257,80356,94562,695 63,725 62,503
Other operating expenses (Non Interest Expense)17,48172,72968,34866,372 63,854 66,656
EBPT17,97387,76287,13590,484 89,548 80,859
Net Profit6,58238,72738,45934,338 40,174 39,474
Performance Ratio (%):
ROA0.781.201.271.20 1.49 1.60
ROE6.489.9010.6110.24 13.23 14.54
NIM3.53.33.43.4 3.5 3.7
Efficiency Ratio49.345.344.042.3 41.6 45.2
Asset Quality:
NPL gross (Bt mn)91,11384,03874,40069,674 65,087 49,490
NPL net (Bt mn)54,90255,68541,43138,570 33,553 24,586
NPL gross to Total Loans (%)3.93.73.33.3 3.3 2.7
NPL net to Total Loans (%)2.42.51.91.9 1.7 1.4
Coverage Ratio (%)138.7148.6160.6148.5 130.9 130.0
Capital** (%):
CAR18.519.618.318.0 18.8 18.0
Tier 115.216.215.915.7 15.2 14.5

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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