Krung Thai Bank Public Co., Ltd. · SET:KTB
Krung Thai Bank Public — 3Q2019 Earnings Presentation
12 slides from Krung Thai Bank Public's earnings presentation, 2019
Slide 1: Analyst Meeting Presentation 3Q2019 & 9M2019 Financial Results
DRAFT Analyst Meeting Presentation 3Q2019 & 9M2019 Financial Results 1
Slide 2: Performance Highlights
Performance Highlights Consolidated 3Q19 QoQ YoY 9M19 YoY Net profit (THB million)(1) 6,355 -22.2% -18.9% 21,825 -2.3% Net profit(2) -8.0% +5.3% +9.5% ROE(1) 7.71% -263 bps -290 bps 9.10% -110 bps ROE(1,2) 10.01% -135 bps -60 bps 10.19% -1 bps ROA(1) 0.89% -28 bps -23 bps 1.03% -4 bps ROA(1,2) 1.16%
Slide 3: Financial Highlights
Financial Highlights Excluding Extraordinary Items, 3Q19 & 9M19 Net Profit Increased YoY from Higher Revenues Despite 3Q19 Net Profit Decreased QoQ from Accelerated OPEX Total Revenue Operating Expense Consolidated (THB million) (THB million) +7.1% YoY (2) Non-NII 94,029 (1) 87,819 NII 28% 29% +5.3%
Slide 4: Loan YTD Growth from Key Segments
Loan Loan YTD Growth from Key Segments Bank Only Loan Growth (THB billion) Loan Growth by 3Q19 Segment (YTD) 1,960 1,990 2,013 Gov. & SoEs +15.5% 1,908 1,949 208 Gov. & SoEs SME -4.4% 329 SME 388 Housing Retail +4.3% 811 Retail Housing +3.0% 423 Personal Personal +5.4% 665 Corporate Corporate +2.9%
Slide 5: Asset Quality
Asset Quality NPL Slightly Increased While Coverage Ratio Being Maintained Consolidated Bank Only NPL (THB million) 4.68% 4.68% 4.53% 4.58% 4.52% 4.59% 4.50% 4.48% 4.42% 4.36% 1.95% 1.94% 1.94% 1.93% 1.92% 1.98% 1.98% 1.98% 1.98% 1.98% +3.2% Ytd +3.7% Ytd 105,675 106,370 109,607 107,438 109,818 +2.2
Slide 6: Net Interest Income
Net Interest Income Pressured NIM from Certain Rates Cut and Sub-debt Tier 2’s Funding Cost in 3Q19; Slightly Increased NIM in 9M19 NII vs NIM Consolidated (THB million) 3.71% 4.00% 140,000 3.33% 3.12% 3.23% 3.24% 3.50% 3.08% 3.11% 120,000 3.14% (2) 3.00% 100,000 3.13% (2) 80,000 2.50% 67,607 (1) +8
Slide 7: Non Interest Income
Non Interest Income Better Loan Related Fee & Bancassurance and Higher Gain on Investment in 3Q19; Impact from Fee Online Waiver while Having Gain on Investment in 9M19 Consolidated Non-NII (THB million) 25,590 26,422 +3.3% YoY 7,939 9,188 +15.7% YoY +15.9% YoY +12.2% QoQ 8,931 8,259 9,267 7,997 7,9
Slide 8: OPEX
OPEX Excluding Extraordinary Items, Cost-to-Income Ratio Rose in 3Q19 from Higher Personnel and Other Expenses QoQ and YoY While Lowered in 9M19 from Higher Revenues YoY Consolidated Operating Expense (THB million) 120,000 53.03% 49.77% 48.24% 48.77% 44.10% 45.10% 43.79% 100,000 45.23% (2) 80,000 41
Slide 9: Liquidity
Liquidity Higher Deposit and Continual Loan Growth Contributing to Better L/D Ratio Loan vs Deposit (L/D ratio) (THB billion) Consolidated 104.04% 98.68% 99.25% 97.87% 100.46% 2,007 2,040 2,077 2,083 1,985 2,065 2,092 Loan: 1,981 2,024 2,033 +3.4% Ytd +1.3% QoQ Deposit: +2.1% Ytd +4.9% QoQ (As at) 3
Slide 10: Capital
Capital Strengthening CAR from Sub-debt Tier 2 Issuance Bank only CET1 vs CAR Ratios 18.19% 18.12% 18.14% 19.63% 17.82% CAR CET1/Tier1 13.92% 14.35% 14.29% 14.34% 14.54% (As at) 3Q18 4Q18 1Q19 2Q19 3Q19 *Every half-year figures were updated in alignment with report submitted to BOT. 10
Slide 11: Disclaimer
Disclaimer 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 a
Slide 12: Thank you
Thank you Krungthai Bank PCL https://www.ktb.co.th/en/investor-relations Tel :0-2208-3668-9 Email : IR@ktb.co.th 12
Krung Thai Bank Public Company — 3Q2019 Earnings Presentation on 6ix