| Item (Consolidate) | 9M23 | 2022
|
2021
| 2020 | 2019 | 2018 |
|---|
| Statements of Financial Position & Statements of Comprehensive Income (Bt mn) : |
|---|
| Assets | 4,266,004
| 4,246,369
| 4,103,399
|
3,658,798 |
3,293,889 |
3,155,091 |
|---|
| Deposit | 2,680,655 | 2,748,685
| 2,598,630
|
2,344,998 |
2,072,049 |
1,995,001 |
|---|
| Loan | 2,438,026 | 2,495,077 | 2,421,813 |
2,244,821 |
2,001,956 |
1,914,072 |
|---|
| Interest Income | 134,892 | 151,333 | 135,415
| 127,592 | 130,178 | 123,922 |
|---|
| Interest Expense | 25,297
| 18,334 | 16,024 |
18,570 |
27,490 |
25,384 |
|---|
| Non Interest Income | 32,164 | 40,259 | 43,958 |
45,869 |
57,803 | 56,945 |
|---|
| Other operating expenses (Non Interest Expense) | 60,461 | 74,753
| 71,044 | 69,997 |
72,729 |
68,348 |
|---|
| EBPT | 81,298 | 98,505
| 92,305
| 84,895 |
87,762 |
87,135 |
|---|
| Net Profit | 33,017 | 35,769 | 38,053 | 29,487 |
38,727 |
38,459 |
|---|
| Performance Ratio (%): |
|---|
| ROA | 1.03 | 0.86 | 0.98 |
0.85 | 1.20 | 1.27 |
|---|
| ROE | 8.63 | 7.38
| 8.44 |
7.10 | 9.90 | 10.61 |
|---|
| NIM | 3.6 | 3.3
| 3.2 |
3.3 | 3.3 |
3.4 |
|---|
| Efficiency Ratio | 42.7 | 43.2 | 43.5 |
45.2 | 45.3 | 44.0 |
|---|
Asset Quality:
|
|---|
| NPL gross (Bt mn) | 89,459 | 92,536 | 104,036
| 101,007 | 84,038 | 74,400 |
|---|
| NPL net (Bt mn) | n.a. | n.a. | n.a. |
n.a. | 55,685 |
41,431 |
|---|
| NPL gross to Total Loans (%) | 3.1
| 3.2 | 3.8 | 3.9 | 3.7 | 3.3 |
|---|
| NPL net to Total Loans (%) | n.a. | n.a.
| n.a. | n.a. | 2.5 | 1.9 |
|---|
| Coverage Ratio (%) | 154.9 | 154.3 | 159.1
|
149.2 | 148.6 | 160.6 |
|---|
| Capital** (%): |
|---|
| CAR | 19.9 | 18.8 | 18.8 |
18.8 | 19.6 | 18.3 |
|---|
| Tier 1 | 17.7 | 16.8 | 16.5 |
16.1 | 16.2 | 15.9 |
|---|
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.