Financial Highlights



​​​​​​​​​​Item (Consolidate)​1Q24
​​2023​​​2022

2021

​2020​​2019
Statements of Financial Position & Statements of Profit or Loss and Other Comprehensive Income (Bt mn) :
Assets4,318,809
4,283,556
4,246,369
4,103,399
3,658,798 3,293,889
Deposit2,702,266
2,699,5622,748,685
2,598,630
2,344,998 2,072,049
Loan2,463,771
2,490,3982,495,0772,421,813 2,244,821 2,001,956
Interest Income48,641
183,608151,333135,415
127,592130,178
Interest Expense10,113
35,164
18,33416,024 18,570 27,490
Non Interest Income11,624
44,20940,25943,958 45,869 57,803
Other operating expenses (Non Interest Expense)20,713
84,96874,753
71,04469,997 72,729
EBPT29,439107,68598,505
92,305
84,895 87,762
Net Profit13,486
42,40535,76938,05329,487 38,727
Performance Ratio (%):
ROA1.25
0.990.860.98 0.851.20
ROE9.99
8.297.38
8.44 7.109.90
NIM3.76 
3.663.33
3.21 3.273.31
Efficiency Ratio41.30
44.1043.1543.49 45.1945.32
Asset Quality:
NPL gross (Bt mn)93,273
94,24192,536104,036
101,00784,038
NPL net (Bt mn)n.a.n.a.n.a.n.a. n.a.55,685
NPL gross to Total Loans (%)3.2
3.2
3.23.83.93.7
NPL net to Total Loans (%)n.a.
n.a.n.a.
n.a.n.a.2.5
Coverage Ratio (%)150.4
152.2154.3159.1
149.2148.6
Capital** (%):
CAR19.419.418.818.8​​ 18.819.6
Tier 117.4
17.4​​16.816.5​​ 16.116.2

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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