Financial Highlights

​​​​​​​​Item (Consolidate)​​1H22​
2021

​2020​​2019​2018​2017
Statements of Financial Position & Statements of Comprehensive Income (Bt mn) :
Assets4,187,779
4,103,399
3,658,798 3,293,889 3,155,091 2,900,841
Deposit2,671,5362,598,630
2,344,998 2,072,049 1,995,001 1,878,672
Loan2,489,4202,421,813 2,244,821 2,001,956 1,914,072 1,802,783
Interest Income72,291135,415
127,592130,178123,922 119,337
Interest Expense8,529
16,024 18,570 27,490 25,38425,176
Non Interest Income18,36143,958 45,869 57,80356,94562,695
Other operating expenses (Non Interest Expense)35,46071,04469,997 72,729 68,34866,372
EBPT46,66392,305
84,895 87,762 87,13590,484
Net Profit22,00538,05329,487 38,727 38,45934,338
Performance Ratio (%):
ROA1.060.98 0.851.201.271.20
ROE9.278.44 7.109.9010.6110.24
NIM3.23.2 3.33.3 3.43.4
Efficiency Ratio43.243.5 45.245.344.042.3
Asset Quality:
NPL gross (Bt mn)109,972104,036
101,00784,03874,40069,674
NPL net (Bt mn)n.a.n.a. n.a.55,685 41,43138,570
NPL gross to Total Loans (%)3.8
3.83.93.73.33.3
NPL net to Total Loans (%)n.a.n.a.n.a.2.51.91.9
Coverage Ratio (%)144.6159.1
149.2148.6160.6148.5
Capital** (%):
CAR18.418.8​​ 18.819.618.318.0
Tier 116.416.5​​ 16.116.215.915.7

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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