analyst meeting 1q2017 26 april 2017 - krung thai bank€¦ · note: data are unaudited as of march...

ConfidentialNote: Data are unaudited as of March 31, 2017

1Confidential

Analyst Meeting 1Q201726th April 2017

KTB Performance


2

Domestic Branches (1) ATMs (2)

8,585 8,958 9,152 8,849 8,798


3

1,161 1,196 1,214 1,213 1,199

2013 2014 2015 2016 1Q17 2013 2014 2015 2016 1Q17

Source: (1) BOT data as of March 31, 2017

(2) ATMs Data as of March 31, 2017

Loans and Deposits

1,884,262 2,152,553 2,137,446

1,975,158 1,995,295

1,715,504 1,900,647 1,969,662

1,837,120 1,849,771

91.0% 88.3%92.2% 93.0% 92.7%

75.00%

100.00%

2,000,000

2,500,000

3,000,000

THB million


4

1,715,504 1,900,647 1,837,120 1,849,771

0.00%

25.00%

50.00%

0

500,000

1,000,000

1,500,000

2013 2014 2015 2016 1Q17

Deposits Loans Loan to Deposit

Gov. & SOEs

5%SMEs 20%

Mar-16 Loan BDGov. & SOEs

4%

Corporate

SMEs20%

Dec-15 Loan BD

Loans breakdown by borrower


5

Definition: SME - loan to private companies that have employee no. less than/equal to 200 people and fixed asset (excluding land) less than/equal to Bt 200 m

December 2016 March 2017

Corporate37%

Retail 38%

Corporate37%

Retail39%

2.94%

3.04%

67,632 70,565

75,473

THB million

Net Interest Income Net Interest Margin*


6

2.77%

2.70%

2.69%

2.83%

2013 2014 2015 2016 1Q16 1Q17

63,186 67,632

18,602 18,869

2013 2014 2015 2016 1Q16 1Q17

* NIM = Net Interest Income/ Average Earning Asset

30,972 33,945

Fee Income Other Operating Income Non Interest Income

THB million

Non Interest Income, Fee Income and Other Operating Income


7

16,535 17,253 19,934 21,261

5,019 5,554

8,672 8,515 11,038

12,684

3,302 1,988

25,207 25,768 30,972

8,321 7,542

2013 2014 2015 2016 1Q16 1Q17

+10.7%

-39.8%

-9.4%

43,894

THB million

Total Other Operating Expenses Cost to Income Ratio

45.29%


8

37,755 41,464

43,894 43,693

10,743 11,006

2013 2014 2015 2016 1Q16 1Q17

42.55%

45.29%44.18%

40.86% 40.85%

42.91%

2013 2014 2015 2016 1Q16 1Q17

31,540 31,855

26,474 29,968

6,986 7,323

2013 2014 2015 2016 1Q16 1Q17

50,985 50,094 55,465

63,243

15,558 14,644

2013 2014 2015 2016 1Q16 1Q17

Pre Provision Profit* Net Income

THB million THB million


9

1.31% 1.24%0.97%

1.10%1.01% 1.12%

2013 2014 2015 2016 1Q16 1Q17

16.24%15.09%

11.57%12.06%

11.63%11.22%

2013 2014 2015 2016 1Q16 1Q17

*Pre-Provision Profit = income before income tax + impairment loss of loan and debt securities

Return on Asset Return on Equity

NPLs Ratio Coverage Ratio

2.58%2.30%

3.09%

3.89%4.28%

148.45%

147.46%137.89%

123.77%126.29%

132.12%

Actual/Required


10

NPLs ratio (gross) calculated from total loans included interbank loans, according to BOT’s definition.

2.30%

1.49%1.30%

1.74% 1.81% 1.94%

2.60% 2.64%

2013 2014 2015 2016 1Q17

NPLs Ratio (Gross) NPLs Ratio (Net)

Excluded SSI

114.69%

132.12%

110.54%121.30% 113.40%

2013 2014 2015 2016 1Q17Actual provision/Required Provision

Coverage Ratio

RequiredReserve

Coverage Ratio

10.17%

10.91%11.43%14.79%

14.85%15.22%

16.85% 16.64%

10.38%

CAR Ratio Tier1 Ratio CET1 Ratio

Capital Adequacy Ratio, Tier 1 Ratio and Common Equity Tier 1 Ratio

BOT’s minimum requirement


11

From December 31, 2016 onwards, CET1 Ratio was equal to Tier1 Ratio.

9.66%10.47% 11.06%

12.96% 13.01%

5.75%6.38% 7.00%

6.63%7.25%

7.88%9.13%9.75%

10.38%

2013 2014 2015 2016 1Q17 2017 2018 2019

Basel III

Economic Data


12

Gross Domestic Product: GDP (%)

10.0

15.0

20.0

25.0

GDP 2013 => 2.8%

GDP 2014 => 0.7%

GDP 2015 => 2.8%

GDP 2016 => 3.2%

GDP 2017f => 3.4%


13

-8.9

3.2

-15.0

-10.0

-5.0

0.0

5.0

10.0

1Q

11

2Q

11

3Q

11

4Q

11

Y2

01

1

1Q

12

2Q

12

3Q

12

4Q

12

Y2

01

2

1Q

13

2Q

13

3Q

13

4Q

13

Y2

01

3

1Q

14

2Q

14

3Q

14

4Q

14

Y2

01

4

1Q

15

2Q

15

3Q

15

4Q

15

Y2

01

5

1Q

16

2Q

16

3Q

16

4Q

16

Y2

01

6

1. Tsunami in Japan

2. Severe Flood in Thailand

1. Tsunami in Japan

2. Severe Flood in Thailand

Source : f-forecasted by KTB

Unemployment Rate (%) *Inflation Rate (%)

1.20

1.40

1.60

1.80

2.00

1.44

1.00

1.50

2.00

Headline Inflation Core Inflation


14

0.70

0.00

0.20

0.40

0.60

0.80

1.00

0.59

-1.50

-1.00

-0.50

0.00

0.50

Fe

b1

5

Ap

r15

Jun

15

Au

g1

5

Oct

15

De

c15

Fe

b1

6

Ap

r16

De

c15

Fe

b1

6

Ap

r16

Jun

16

Au

g1

6

Oct

16

De

c16

Fe

b1

7

Note: *headline inflation edged up from the last year as prices of domestic

petroleum and fresh food increased.Source : BOT.

Policy Rate (%) Interest Rate (%)

6.26%

MLR

1.501.50

2.00

2.50Policy rate


15

0.00

0.50

1.00

1.38%

Fix Deposit Rate

Source : BOT

Loan demand in the system *Loan to Deposit ratio (%)

9,637

11,962

0.53%

-2.00%

-1.00%

0.00%

1.00%

2.00%

3.00%

4.00%

5.00%

-

2,000

4,000

6,000

8,000

10,000

12,000

14,000

Loan amount Loan growthTHB million

60.0

70.0

80.0

90.0

100.0

95.3%


16

10,000

12,490

+2.1%

-2.0%

-1.0%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

Deposits B/E Deposits & B/E growth

0.0

10.0

20.0

30.0

40.0

50.0

60.0

4Q

/20

12

1Q

/20

13

2Q

/20

13

3Q

/20

13

4Q

/20

13

1Q

/20

14

2Q

/20

14

3Q

/20

14

4Q

/20

14

1Q

/20

15

2Q

/20

15

3Q

/20

15

4Q

/20

15

1Q

/20

16

2Q

/20

16

3Q

/20

16

4Q

/20

16

Jan

17

Fe

b1

7

Deposit supply in the system

THB million

Note: Commercial bank loan and deposit (excluded Interbank)*Loan to deposit ratio included bill of exchange

Source : BOT

Loans Market Share in the Thai Banking System,Large commercial banks command 66% of total banking system

66% 66%

2015

2016


17

23%

11%

23%

11%

Large bank Medium bank Small bank

2016

Source : BOT

Deposits Market Share in the Thai Banking System,

Large commercial Banks command 69% of total banking system.

69% 69%

2015

2016


18

21%

10%

21%

10%

Large bank Medium bank Small bank

2016

Source : BOT

Information contained in our presentation is intended solely for your reference.Such information is subject to change without notice, its accuracy is not guaranteed and it may not contain all material information concerning the company.

In addition, the information contains projections and forward-looking statements that

reflect the company’s current views with respect to future events and financial performance.


19

These views are based on assumptions subject to various risks. No assurance can be

given that future events will occur, that projections will be achieved, or that the company’s assumptions are correct.

Actual results may differ materially from those projected.

Thank You


20

Thank You

analyst meeting 1q2017 26 april 2017 - krung thai bank€¦ · note: data are unaudited as of march...

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