| Item (Consolidate) | 2024
| 2023 | 2022
|
2021
| 2020 | 2019 |
|---|
| Statements of Financial Position & Statements of Profit or Loss and Other Comprehensive Income (Bt mn) : |
|---|
| Assets |
4,325,287
|
4,283,556
|
4,246,369
|
4,103,399
|
3,658,798 |
3,293,889 |
|---|
| Deposit |
2,718,675
|
2,699,562 |
2,748,685
|
2,598,630
|
2,344,998 |
2,072,049 |
|---|
| Loan |
2,504,565
|
2,490,398 |
2,495,077 |
2,421,813 |
2,244,821 |
2,001,956 |
|---|
| Interest Income |
189,440
|
183,608 |
151,333 |
135,415
|
127,592 |
130,178 |
|---|
| Interest Expense | 40,064
|
35,164
|
18,334 |
16,024 |
18,570 |
27,490 |
|---|
| Non Interest Income | 48,569
|
44,209 |
40,259 |
43,958 |
45,869 |
57,803 |
|---|
| Other operating expenses (Non Interest Expense) | 87,273
|
84,968 |
74,753
|
71,044 |
69,997 |
72,729 |
|---|
| EBPT | 110,673 |
107,685 |
98,505
|
92,305
|
84,895 |
87,762 |
|---|
| Net Profit | 48,598
|
42,405 |
35,769 |
38,053 |
29,487 |
38,727 |
|---|
| Performance Ratio (%): |
|---|
| ROA |
1.13
|
0.99 |
0.86 |
0.98 |
0.85 |
1.20 |
|---|
| ROE | 8.99
|
8.29 |
7.38
|
8.44 |
7.10 |
9.90 |
|---|
| NIM |
3.64
|
3.66 |
3.33
|
3.21 |
3.27 |
3.31 |
|---|
| Efficiency Ratio |
44.09
|
44.10 |
43.15 |
43.49 |
45.19 |
45.32 |
|---|
Asset Quality:
|
|---|
| NPL gross (Bt mn) |
93,009
|
94,241 |
92,536 |
104,036
|
101,007 |
84,038 |
|---|
| 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
|
3.2 |
3.8 |
3.9 |
3.7 |
|---|
| NPL net to Total Loans (%) |
n.a.
|
n.a. |
n.a.
|
n.a. |
n.a. |
2.5 |
|---|
| Coverage Ratio (%) |
153.3
|
152.2 |
154.3 |
159.1
|
149.2 |
148.6 |
|---|
| Capital** (%): |
|---|
| CAR |
20.3 |
19.4 |
18.8 |
18.8 |
18.8 |
19.6 |
|---|
| Tier 1 |
18.3
|
17.4 |
16.8 |
16.5 |
16.1 |
16.2 |
|---|
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.