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KK’s 2011 results presentationAnalyst Meeting January 24th, 2012
2
Content
KK Business Group Structure
2011 Performance Highlights
Key Development in 2011
2012 Outlook
Appendix
Kiatnakin Group
RetailBanking
CorporateLending
WealthManagement
Special AssetManagement 1
Hire Purchase
Personal Loan
Housing Loan
Micro-SMELoan
Retail Deposit
Real Estate Development
Apartment Lending
Logistics Lending
Floor PlanLending
Printing & Packaging Lending
Private Banking
Securities
Fund Management
1/ including investment in loan, NPA and restructured loan
KK Business Group Structure
3
KK Shareholding Structure
Kiatnakin Securities(99.99%)
KiatnakinFund Management
(60.00%)
Erawan Law Office (99.93%)
Kiatnakin Bank
Asia Recovery 1 Fund (99.95%)
Asia Recovery 2 Fund (99.59%)
Asia Recovery 3 Fund (99.97%)
Thai Restructuring Fund (98.91%)
Asia Recovery Property Fund 1 (99.50%)
Asia Recovery Property Fund 3 (98.77%)
Bangkok Capital Fund (95.72%)
Gamma Capital Fund (94.03%)
Outside Financial GroupFinancial Group
4
5
Content
KK Business Group Structure
2011 Performance Highlights
Key Development in 2011
2012 Outlook
Appendix
6
Key achievements in 2011
2010 Actual 2011 Actual
1/ on loans (before any lose)2/ BOT definition
3/ ROE = 16.2% if excluded extraordinary item resulting from the legal issue with the Legal Execution Department4/ including extraordinary item resulting from the legal issue with the Legal Execution Department 5/ excl KK-Fund staff
3
4
1. Robust loan growth of 26.5%yoy mainly from HP loan
2. Fee income increased significantly from bancassurance business
3. Gross NPLs significantly reduced to 3.4% from effective loan underwriting and NPLs management
4. Higher coverage ratio at 108.1% from conservative additional provision for flood affected clients totaling 9-11% of total loan portfolio.
5. Total 72 branches, with 17 branches in Bangkok5
Profitability
ROE 14.5% 12.9%
ROA 2.1% 1.7%
Net interest spread1 5.2% 4.3%
Loans growth
Total loans 23.7% 26.5%
Retail 29.2% 30.2%
Corporate 14.0% 18.5%
Quality and costs
Gross NPLs2 4.4% 3.4%
Reserves / NPLs 85.2% 108.1%
Cost to income 49.1% 51.7%
Capital adequecy ratio 15.2% 15.4%
Branches (incl HQ) 62 72
Staff 3,365 3,664
7 7
Strong loan growth in all segments
Retail bankingAuto Hire Purchase- 31.2% ytd growth vs target 27%- Outstanding of Baht 96,946 mn- 71% of total loan portfolio- New : Used = 54:46- 330,000+ accounts
Corporate Lending RE (Real Estate Development) - 15.4% ytd growth vs target 16% - Further reduced Gross NPL to 11.6% from 17.8% end of 2010SMEs loan- 22.5%ytd growth vs target 20%
70% 73% 73% 72% 74% 75% 76% 76% 76%
26% 24% 24%25%
24%23%
23%23%
22%
87.1 88.9 94.1100.9
107.7115.1
121.9130.2 135.7
0
20
40
60
80
100
120
140
160
180
200
4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11
Baht in billions Gross Loan Composition
Retail Corporate SAM Others
2%6%
7%
6%7%
7%4%
6%
8
Continually improved loan quality
7.1 6.9 6.6 5.9 5.4 5.3 5.1 5.1 5.0 4.7 4.7 4.9 4.7
8.8% 8.6%8.0%
7.0%6.3% 5.9%
5.4% 5.1%4.6%
4.1% 3.8% 3.7% 3.5%
7.1% 7.1% 7.0%6.2%
5.6% 5.4% 5.1% 4.8%4.4%
4.0% 3.7% 3.6% 3.4%
4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11
Classified loan %Classified loan / gross loan %BOT NPL ratio
Baht in billions
Gross classified loans
9
Better asset quality and higher coverage ratio
% Classified loans / Gross loans
Retail
57.0%
RE
11.6%
SME1.3%
3.6%
1.613.6103.2
Classified loans / Gross loans 3.5%
1.40.9 2.0 0.5
% Reserves / Classified loans
SAM
Retail191%Reserves / Classified loans
108%
75%
SMERE
64%
Total gross loans (Baht in billions)
Total classified loans(Baht in billions)
48%
99% (exc. general provision Baht 0.4 billion)
Coverage ratio reached 108% from prudent provisioning for flooding impact totaled Baht 1.4
billion. The general provision was Baht 423 million, down from Baht 1.4 billion in 3Q11
SAM
16.9
NPL ratio continued declining from 4.6% in 2010 to 3.5% in 2011 as a result of change of credit
policy and internal operating process
40.1%45.2% 45.1% 45.7%
54.1%50.1%
46.2%
57.2%
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11
10
Spread squeezed further from higher COFNet interest spread
Loan spread
Interest yield on loans
COF increased from rising interest rate environment, intensifying funding competition, and
higher volume of deposits & BE for liquidity reserve for DPA in August 2011
Cost to income1
Cost to income increased in 4Q11 from lower net interest income due to flooding impact, higher operating expense from additional staff and
branches, and promotion expenses1/ (Fee expense + operating expense excl. loss from fair value adjustment)/(NII + non int income + loss from impairment)
2/ excluding extraordinary item resulting from the legal issue with the Legal Execution Department3/ NIM = (net interest income)/ average earning assets including Interbank, investment in securities, investment in loans, loans net deferred revenue
2
Cost of funds
8.3%8.0% 7.8% 7.8%
8.1%7.8% 7.7% 7.8%
7.7%
3.1%2.7% 2.6%
2.8% 2.9% 2.9% 3.1%
3.7%
3.9%
5.2%5.3% 5.2%
5.1% 5.2%4.9%
4.6%
4.2%
3.8%
6.0%
4.6% 4.8%4.6%
4.9%4.5%
4.3%3.9%
3.4%
4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11
NIM3
11
Funding mix shifting toward BE
1. Shifting toward more BE on the
back of the reduction of Deposit
Protection in August 2011
2. CASA mix improved to 7.4%
due to continually attractive
deposit campaigns and more
branches
66% 59% 62% 55% 62% 52% 42% 38% 36%
9% 8% 20% 22%
8% 27% 35%40% 42%6% 9% 9% 2%
2% 3%
3%
% %
105.8 106.0 104.7 108.4114.4
125.7
144.1156.6 160.3
0
25
50
75
100
125
150
175
4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11
Baht in billions Interest Bearing Debt
CASA Fixed deposits B/E Debentures Interbank
12
Content
KK Business Group Structure
2011 Performance Highlights
Key Development in 2011
2012 Outlook
Appendix
13
KK Fund Management (KK-Fund)
Details of Transaction• The share purchase of 60% shares of Siam City
Asset Management Co., Ltd, from the Government Pension Fund (GPF), with total purchasing price of Baht 234 million for total 18 million shares, paid on 12 July 2011
• The objective is to enhance KK’s wealth management business as well as to support KK financial services, and also enhance business relationship with GPF for future business
• KK-Fund financial performance was consolidated to KK’s financial statement 3Q11
60.00% 40.00%
About KK-Fund • Total paid-up capital is Baht 300 million• Types of fund under management including
mutual funds, provident funds, private funds, and property funds
• AUM is currently around Baht 20,000 million • Managing Director is Dr. Supakorn Suntornkit• Website: http://www.kk-fund.com
14
KK & Phatra : Transaction Structure
KKF
1. Tender Offer for Phatra Capital
Bank
KKS
PhatraCapital
PhatraSecurities
KK S/H
ErawanLaw Office
60% 100%100% 99.7%
Phatra S/H
KKF KKS
PhatraCapital
PhatraSecurities
KK S/H
ErawanLaw Office
60% 100%100%99.7%
Phatra S/H
Features of the Tender Offer • Share swap transaction: with newly issued shares in KK• Swap ratio is determined at 0.9135 KK’s shares for 1
Phatra’s shares• Delisting of Phatra Capital• At least 75% tender offer condition
KK to transfer KKF and KKS to Phatra Capital • To centralize management of all capital market related
activities and future synergies for securities / AM• Transaction price:
• KKF – at KK’s acquisition cost• KKS – at Book Value
• Transfer is conditional upon • Delisting approval• 90% tender offer result
Newshares
PhatraS/H sells shares
through T/O
Transfer
2. Transfer of KKS and KKF
Bank
1
2
15
KK & Phatra : Synergies new & enlarged business
Corporate
LendingPlatform
Corporate
ClientAccess
Depositors /
Private
Bank / Asset
Management
Private
Wealth
Management
• Leverage Bank’s platform to complete product and service, such as credit balance, fixed income, savings, and alternative investments such as derivatives
• Expand high net worth client base through Bank’s current client base and deposit franchise
• Combined AUA / AUM of over Bt180 bn• Lending platform extended by Phatra’s corporate clients
and IBK business• Develop credit products to complement advisory
services, such as M&A financing, leveraged buyout, mezzanine financing, etc.
• Develop comprehensive Debt Capital Market business
• Determine new fund size for equity and derivatives investment business to reflect enlarged capital base
• Implement new investment strategies to capture market opportunities
CapitalInvestment
Business
Retail
Brokerage
Platform
Institutional
Equity
Franchise
• Immediate secondary market stock trading market share increase to 6.14%(1) (ranked #2)
• Complete distribution platform across all client base• Resource sharing for business expansion• Rationalized cost base across larger troops
Source: SETSMART(1) Market share in 2011, YTD as of December 7, 2011
Private Wealth
Management
Business
Credit Products
for Medium and
Large Size
Corporate
Investment
Business
Brokerage
Business
16
KK & Phatra : Next Steps – Indicative Timeline
Confirmatory DD
Preliminary DD
BOT Approval
SEC / SET Approvals
Tender Offer
Signing of SPA
IFA sends report withnotice
BOD#1Transaction Announced
BOD#2Approves Transaction /
Calls Shareholders Meeting
Shareholders Meeting to Approve Transaction
Tender Offer Begins After Regulatory Approval
Granted
Closing3Q12
Signing of MOU
Dec 9 1Q12 2Q12 Late 2Q12 3Q12
17
Content
KK Business Group Structure
2011 Performance Highlights
Key Development in 2011
2012 Outlook
Appendix
18 18
Macro assumptions for 2012
2010 Actual 2011 Expected
1/ PTT Gasohol 95 2/ Agricultural Price = Agri Price Index
2012 Forecast
GDP 2.2% 1.0% 2.5%-3.5%
Policy Rate (Yr-end) 1.25% 3.25% 2.50%
Inflation rate 3.30% 3.50% 3.70%
Gasoline Price1 -8.4% 7.1% Max +10%
Agricultural Price2 21.4% 16.6% Min -10%
Agricultural Output 2.2% 1.8% Min +0%
Auto Sales (units) 800,357 794,081 900K- 1Mil
Housing Sales 10.9% 20.4% Min +0%
MLR (Top 4; Yr-end) 6.1% 7.3% 6.50%-6.75%
19
2012 Targets
2010 Actual 2011 Actual
1/ on loans (before any losses) 2/ BOT definition 3/ including head office 4/ before the cabinet’s resolution to transfer the FIDF debt to the BoT5/ including expected additional NPL of 1.0-1.4% from flood affected clients
2012 Target
4
5
ROE 14.5% 12.9% 13%-15%
Loans growth 23.7% 26.5% 21.0%
Loan spread1 5.2% 4.3% 4.3%
Gross NPLs2 4.4% 3.4% 3.5%-3.7%
Reserves / NPLs 85.2% 108.1% >100%
NPA sales 4.0 bn 3.2 bn 3.5 bn
Branches3 62 72 80-85
CASA/interest-bearing liab. 4.2% 7.4% 20.0%
20
Challenges in 2012
Sensitivity Analysis of possible additional fees on deposit and BEand impact on EBT
*
Current
0.40% 0.40% 0.50% 0.60% 1.00%
276 276 345 414 690
0.25% 0.40% 0.50% 0.60% 1.00%
169 271 338 406 677
Additional fee expense +101 +238 +375 +922
% of EBT
EBT 3,421 3% 7% 11% 27%
*BE rate was 25bps higher than deposit rate and not subject to DPA fee
BE 67,652
Possible case
%Fee charge & Fee expense(Baht in millions)
Dec 2011
Deposit 69,040
21
Content
KK Business Group Structure
2011 Performance Highlights
Key Development in 2011
2012 Outlook
Appendix : Corporate Performance
22
Baht in millions
Consolidated resultsQoQ3Q11 YoY4Q104Q11 YoY20102011
* CAR ratio = 16.07% and Tier 1 ratio = 15.38% if including 2H11 net profit
Interest income 3,091 3,061 1% 2,391 29% 11,296 8,767 29%
Interest expense 1,532 1,384 11% 812 89% 4,821 2,942 64%
NII 1,559 1,676 (7%) 1,579 (1%) 6,476 5,826 11%
Fees income 437 438 0% 378 16% 1,573 1,256 25%
Fees expense 45 49 (8%) 29 52% 154 104 49%
Net fees income 393 389 1% 349 13% 1,419 1,152 23%
Other operating income 395 470 (16%) 707 (44%) 1,635 2,097 (22%)
Total operating income 2,346 2,536 (7%) 2,635 (11%) 9,530 9,075 5%
Operating expense 1,387 1,059 31% 1,847 (25%) 4,831 4,525 7%
Impairment loss (466) (372) 25% 183 (355%) (1,278) (470) 172%
Income before income tax 493 1,104 (55%) 971 (49%) 3,421 4,080 (16%)
Net income 683 874 (22%) 491 39% 2,859 2,840 1%
Diluted EPS 1.07 1.37 (22%) 0.86 24% 4.50 4.97 (9%)
ROA (%) 1.5 2.0 1.4 1.7 2.1
ROE (%) 12.0 15.6 9.5 12.9 14.5
CAR ratio (%) 15.42 15.50 15.18
Tier I capital (%) 14.73 14.83 14.55
*
0.8%0.7%
0.8% 0.9% 0.9% 0.9% 0.8% 0.8% 0.8%
4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11
23
Spread declined from continually rising cost of fund
Total income ratio
Total Income yield on average earning assets*
Cost of fundSpread on earning assets
Income yield declined from high liquidity reserve since 3Q11 for DPA, lower gain from NPA sale.
*Earning assets includes net loan, NPA, Interbank & money markets and Investment in loans & properties**Excluding extraordinary item resulting from the legal issue with the Legal Execution Department
Cost to earning assets
Operating cost to earnings assets remained the same below 1%
**10.0%
8.8% 8.9%9.7%
10.3%
8.5% 8.8% 9.0%8.5%
3.1% 2.7% 2.6% 2.8% 2.9% 2.9% 3.1%3.7% 3.9%
6.9%6.1% 6.4%
6.9%7.4%
5.6% 5.7% 5.3%4.6%
4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11
24
Liquidity
Loan to Deposit Ratio
As KK’s funding structure rely on both deposit and borrowing, loan to deposit & borrowing is a better
measure of KK’s liquidity
Loan to deposit & borrowingLoan to deposit
114.5%
130.2%132.3%
149.9%141.9%
159.3%
186.8%190.5%196.6%
85.3% 88.8% 92.6% 96.8% 96.8% 93.6% 91.2% 87.2% 87.6%
4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11
CAR Ratio
25
Capital Adequacy Ratio
Baht in millions
14.616.9 16.9 17.9 18.6 18.8
20.221.9 22.3 22.3
15.42%
16.29%
15.70%16.01% 15.97%
15.18%15.36%
15.76%15.50% 15.42%
14.93%
15.69%
15.10%15.37% 15.32%
14.55%14.72%
15.09%14.83% 14.73%
2008 2009 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11
Total Capital CAR Ratio Tier I Capital Ratio
26
Content
KK Business Group Structure
2011 Performance Highlights
Key Development in 2011
2012 Outlook
Appendix : Retail Banking
Assets (Loans + NPA)
73.980.4 86.4 92.3 96.9
4Q10 1Q11 2Q11 3Q11 4Q11
Income*
1.59 1.70 1.751.99 2.06
8.9 8.8
8.4
8.98.7
4Q10 1Q11 2Q11 3Q11 4Q11
27
Portfolio quality
HP: strong growth with good asset quality
% Income yieldBaht in billions
*Income includes interest income and non-interest income (fee income and gain or loss on assets)
Baht in billions
Highlights
Outlook
HP loans grew by 31.2% ytd, with 6.2% penetration rate for 11M11 supported by industry car sale growth of 4.6% for 11M11
Continued strong loan growth target in 2012 Expect to increase fee income attached to HP loans
Success in asset quality control, classified loan remained at 1.0% with significant increase in coverage ratio
Keep conscious in screening & monitoring portfolio to control NPL level
Lower loan yield of new loan booking and flooding impact on yield while fee income remained strong
Trend and Outlook
% Coverage ratio% Classified loans
%
8%9%
7%5%
3%7%14% 3% 203% 212% 204% 206%
233%
1.1% 1.0% 1.0% 1.0% 1.0%
4Q10 1Q11 2Q11 3Q11 4Q11
28
HP portfolio breakdown
Assets by location Assets by class Assets by car type
Portfolio characteristic
Non-BKK80%
BKK20%
Used cars46%
New cars54%
Sedans37%
1 ton pick-up vans49%
*Others14%
*Others includes vans and trucks.
Income*Loans (Loans & NPA)
29
Portfolio quality
Other Retail : potential growing business
% Income yieldBaht in billions
*Income includes interest income and non-interest income (fee income and gain or loss on assets)
Baht in billions % Coverage ratio% Classified loans
%Personal LoansHousing LoansMicro SMEs Loans
5%2%7%
11%10%
9% 4%
2%
56% 58%53% 51%
84%
4.1% 4.5% 5.3% 5.5% 6.2%
4Q10 1Q11 2Q11 3Q11 4Q11
64% 62% 62% 63% 59%
36% 38% 38% 36% 30%11% 20% 23% 26% 27%5.4 5.5 5.7 6.1 6.3
4Q10 1Q11 2Q11 3Q11 4Q11
0.15 0.16 0.18 0.20 0.20
11.8 12.012.8 13.2 13.1
4Q10 1Q11 2Q11 3Q11 4Q11
30
Content
KK Business Group Structure
2011 Performance Highlights
Key Development in 2011
2012 Outlook
Appendix : Corporate Lending
15.9 16.4 17.2 18.0 18.3
4Q10 1Q11 2Q11 3Q11 4Q11
0.330.28
0.37 0.36 0.37
8.4
7.1
8.88.3 8.3
4Q10 1Q11 2Q11 3Q11 4Q11
3% 5% 5%2%
Portfolio qualityIncome*
RE: gradually improved with better asset quality
% Income yieldBaht in billions Baht in billions %
Highlights
Outlook
RE assets (loans & NPA) was continually growing throughout the year till the flood in 4Q11
Income yield was volatile subject to success of residential project sales
Significant improvement of coverage ratio and asset quality from additional provision and success in debt restructuring Policy to manage and control credit quality and reduce classified loan
*Income includes interest income and non-interest income (fee income and gain or loss on assets).
Expect yield to improve coupled with better loan quality, and special focus on helping customers to success
Trend and Outlook
% Coverage ratio% Classified loans
-13% 30% 3%
Thailand flooding 2011 has slowdown demand in real estate sector.
Assets (Loans & NPA)
-2%
31
27% 26% 30% 28%
64%
18% 16% 15% 14% 12%
4Q10 1Q11 2Q11 3Q11 4Q11
32
RE portfolio breakdown
Assets by location Assets by class
Portfolio characteristic
SDH/TH77%
ResidentialCondo.23%
Greater BKK65%
East11%
South22%
Central0%
Northeast1%
North1%
50% 50% 47% 46% 45%
27% 27% 29% 31% 30%17% 16% 18% 17% 18%7% 7% 6% 6% 7%11.1 11.3 11.9 13.0 13.6
4Q10 1Q11 2Q11 3Q11 4Q11
Income*
0.22 0.23 0.25 0.28 0.29
8.1 8.2 8.7 9.0 8.7
4Q10 1Q11 2Q11 3Q11 4Q11
Portfolio quality
33
SME: constantly growing business
Assets
% Income yieldBaht in billions Baht in billions % Coverage ratio% Classified loans
%
Highlight
Outlook
Portfolio continued to grow in all segments
Expect yield to stay high
Floating rate loan yield linked with MLR rate following interest rate environment
Change in NPL classification in 3Q11 for Apartment lending. Additional provision provided so coverage ratio rose dramatically
cautious credit screening across portfolio
*Income includes interest income and non-interest income (fee income and gain/loss on assets)
Trend and Outlook
ApartmentLogistics
Floor PlanPrinting & Packaging
SME clients have been affected by the flood both direct and indirect
4% 8%19% 4%
1% 5% 9% 5%
52%46%
71%
43%
75%
4.7% 4.4% 2.1% 4.0% 3.6%
4Q10 1Q11 2Q11 3Q11 4Q11
34
Content
KK Business Group Structure
2011 Performance Highlights
Key Development in 2011
2012 Outlook
Appendix : SAM Business
341169 275 377
403
4Q 1Q 2Q 3Q 4Q
35
SAM: KK’s cash cow business
Assets
Income
Total assets Investment in loans Financial claim loans Foreclosed assets
Total incomeInterest from loans and investment in loans Gain from restructuring Gain from NPA sale
Baht in billions
Baht in millions
Highlight Outlook
Asset declined from every part of business
Target to manage down portfolio within the next 3-4 years by loan restructuring and sales of foreclosed asset
Interest income swings depending on negotiation and success of litigation process
Expect slow income flow from both interest income and gain on NPA sales
Trend and Outlook
-25.4%
NPA sale target of Baht 3.0-3.5 billion in 2012
1.7%
-21% -21% Loan restructuring was on progress
NPA sold totaled Baht 3,174 million in 2011
-18%
-16%
-83.3%
6.4 6.2 6.0 5.3 5.1
4Q 1Q 2Q 3Q 4Q
44%
13%
43%
59%
8%
32%
217 169 213290
220
4Q 1Q 2Q 3Q 4Q
332
35
-7
-83
55
4Q 1Q 2Q 3Q 4Q
18.2%
15.212.1
4Q10 4Q11
2,518
2,118
20 0 20
6.7 6.6 6.2 6.05.3
4Q 1Q 2Q 3Q 4Q
1.9 1.9 1.9 1.8 1.6
4Q 1Q 2Q 3Q 4Q
36
SAM: foreclosed asset with significant value buffer
Highlight and outlook
Financial claim loans
Appraised valueBook valueAssets
Book valueAppraised valueSales (YTD)
Portfolio quality
Sold value
Appraised value of foreclosed assets significantly higher than book value; this is reconfirmed by the sales value being consistently higher than book value of assets sold
NPL remains high as restructuring loans has to be regulatory classified as loans
Baht in billions
Baht in billions
Trend and Outlook (Cont’d)
*
*includes the value of NPA under Bangkok Capital Fund and Gamma Capital fund, in which KK purchased investment units of these two funds in 1Q10
Foreclosed assets (including RE)
1.8 1.92.5 2.3
2.7 3.0
4.03.03.0 3.0
4.03.2
2008 2009 20 0 20
7.6 7.2 7.7 6.5
13.6 12.6 13.8 12.3
2008 2009 2010 2011
47%
68%64% 63%
50% 48% 48%
40%
48%
26% 27% 25% 25%
43% 41%
46%45%
57%
4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11
% Coverage ratio% Classified loans
37
Foreclosed assets* sold and appraised value
Year Assets sold Appraised value Sold/appraised
2000 192 212 91%2001 458 405 113%2002 1521 1340 114%2003 2,819 2,839 99%2004 878 913 96%2005 593 617 96%2006 738 685 108%2007 1,960 1,850 106%2008 2,973 2,686 111%2009 2,959 2,970 100%2010 3,958 3,957 100%2011 3,174 2,955 107%Total 22,223 21,429 104%
Trend and Outlook (Cont’d)Baht in millions
*Includes foreclosed assets from RE business
38
Foreclosed assets breakdown
Assets by location Assets by class
Portfolio characteristic
Greater Bangkok
54%
Central15%
East6%
South6%
North13%
Northeast6%
Lands65%
Housing31%
Residential Condo.
4%
39
Investor Relations
KIATNAKIN BANK PUBLIC COMPANY LIMITED209/1, K Tower B, 31st Floor.,
Sukhumvit 21 (Asoke)
Klongtoey-nua, Wattana
Bangkok 10110
Tel. (662) 841-5925
Fax: (662) 841-5529
E-mail : [email protected]
http://www.kiatnakin.co.th
Disclaimer: This presentation contains some information from other sources, KK cannot confirm, in all cases, the accuracy and completeness of such data, particularly where the data sourced from outside the Bank. In addition, any forward looking statements are subject to change as a result of market conditions and the final result may be different to that indicated. The Bank makes no representation or warranty of any type whatsoever on the accuracy or completion of the information contained herein.