| Item (Consolidate) | 2016
| 2015 | 2014 | 2013 | 2012 | 2011 |
|---|
| Statements of Financial Position & Statements of Comprehensive Income (Bt mn) : |
|---|
| Assets |
2,845,686 |
2,555,305 |
2,389,137 |
2,290,045 |
2,077,442 |
1,722,940 |
| Deposit |
1,794,835 |
1,705,379 |
1,629,831 |
1,529,835 |
1,391,380 |
1,242,229 |
| Loan |
1,697,581 |
1,609,887 |
1,527,080 |
1,438,978 |
1,326,732 |
1,210,834 |
| Interest Income |
115,873 |
114,354 |
113,578 |
106,226 |
96,174 |
83,692 |
| Interest Expense |
26,195 |
29,341 |
30,446 |
33,428 |
32,593 |
27,201 |
| Non Interest Income |
63,725 |
62,503 |
55,523 |
47,520 |
40,724 |
34,017 |
| Other operating expenses (Non Interest Expense) |
63,854 |
66,656 |
61,419 |
52,270 |
46,934 |
43,019 |
| EBPT |
89,548 |
80,859 |
77,237 |
68,047 |
57,371 |
47,489 |
| Net Profit |
40,174 |
39,474 |
46,153 |
41,325 |
35,260 |
24,226* |
| Performance Ratio (%): |
|---|
| ROA |
1.49 |
1.60 |
1.97 |
1.89 |
1.86 |
1.48* |
| ROE |
13.23 |
14.54 |
19.38 |
20.45 |
20.76 |
16.72* |
| NIM |
3.5 |
3.7 |
3.8 |
3.6 |
3.6 |
3.8 |
| Efficiency Ratio |
41.6 |
45.2 |
44.3 |
43.4 |
45.0 |
47.5 |
Asset Quality:
|
|---|
| NPL gross (Bt mn) |
65,087 |
49,490 |
36,067 |
33,525 |
33,166 |
31,736 |
| NPL net (Bt mn) |
33,553 |
24,586 |
15,494 |
14,664 |
13,607 |
14,698 |
| Reserve (Bt mn) |
85,212 |
64,317 |
50,992 |
45,099 |
43,723 |
40,343 |
| NPL gross/Loan (%) |
3.3 |
2.7 |
2.2 |
2.1 |
2.2 |
2.5 |
| NPL net/Loan (%) |
1.7 |
1.4 |
1.0 |
0.9 |
0.9 |
1.2 |
| Reserve/NPL gross (%) |
130.9 |
130.0 |
141.4 |
134.5 |
131.8 |
127.1 |
| Capital** (%): |
|---|
| CAR |
18.8 |
18.0 |
17.3 |
15.8 |
15.6 |
13.4 |
| Tier 1 |
15.2 |
14.5 |
13.5 |
12.6 |
10.4 |
9.6 |
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.