Kasikornbank Public Co. Ltd. · SET:KBANK
Kasikornbank Public — Thai Farmers Bank — Investor Presentation (2000)
13 slides from Kasikornbank Public's investor presentation, 2000
Slide 1: Investor Presentation
¥ Investor Presentation
Slide 2: Presentations Highlight
Presentations Highlight n TFB Strategy in 2000 n Financial Performance n Reserve n NPL and Debt Restructuring n Capital Adequacy Ratio (CAR) n Deposits n Loans Portfolio
Slide 3: Strategy
Strategy n TFB Strategy in 2000 l Expand Range of Products and Services in Retail Banking l Increase Market Share in Middle Market Banking l Improve Profitability of Large Corporate Banking l Enhance Customer-Oriented Product Development Capability l Improve Delivery Systems for Products and Service
Slide 4: Recent Financial Performance
Recent Financial Performance Amounts in TB bn except % 1998 Q4 1999 1999 Assets 704.3 727.4 727.4 Loans 554.1 490.6 490.6 Equity 52.4 26.3 26.3 Loans to Deposits Ratio 95.6% 80.6% 80.6% Tier 1 CAR 9.3% 7.6% 7.6% Total CAR 11.3% 12.6% 12.6% NPL Ratio 39.4% 17.9% 17.9% Pre Provision Profit -3.1 -9.2 -
Slide 5: Reserve (TFB Only)
Reserve (TFB Only) Bil.Bt. Actual Reserve Total BOT Reserve Required 200.00% 120 109 % to Total Reserve Required by BOT 168% 100 101 100 87 150.00% 79 80 71 60 85% 100.00% 78% 65% 40 24 50.00% 20 14 - 0.00% Mar-99 Jun-99 Sep-99 Dec-99 5
Slide 6: Loan Classification (TFB Only)
Loan Classification (TFB Only) Billion.Bt 100% Sub-standard and lower 700 Pass and Special mention 90% % Classified loans to Total loans Total loans 600 571 571 580 80% 507 70% 500 Sub-standard and lower 291 270 125 60% 282 400 46.55% 50% 50.98% 49.42% 300 40% 24.73% 30% 200 Pass and Special mention
Slide 7: NPLs (TFB Only)
NPLs (TFB Only) Billion.Bt 60% NPL (New Definition) Total Loans (P) % to Total Loans (P) 600 562 563 571 50% 504 500 42.33% 42.05% 40% 400 38.04% 30% 300 238 237 217 20% 200 17.95% 90 10% 100 0 0% Mar-99 Jun-99 Sep-99 Dec-99 7
Slide 8: Debt Restructuring (TFB Only)
Debt Restructuring (TFB Only) Number of Billion Bt. 120 Customers 80,000 105 70,000 100 Acc. Debt Restructuring (Balance) 60,000 Acc. Debt Restructuring 80 70 (Customers) 50,000 44,479 60 40,000 42 32,950 30,000 40 20,000 18,422 20 10 10,000 3,775 0 0 Mar-99 Jun-99 Sep-99 Dec-99 8
Slide 9: CAR (TFB Only)
CAR (TFB Only) 22.00 % 20.42 20.00 18.82 17.79 18.00 16.88 15.75 15.57 15.57 16.00 14.77 BIS Ratio 13.96 14.00 12.74 11.34 11.58 11.56 12.00 12.59 9.63 9.32 9.71 9.99 9.49 10.00 Tier I 8.00 6.46 6.08 5.86 7.59 5.76 6.00 Tier II 4.00 5.00 1.95 2.07 2.11 2.22 2.02 2.00 0.00 Dec-97 Mar-98 Jun-98 Sep-98
Slide 10: Loan : Deposit Ratio
Loan : Deposit Ratio 110 % Banking System TFB - Include BIBF TFB - Exclude BIBF 105 103.2 102.7 102.2 101.6 101.4 101.7 101.3 101.1 101.2 100.2 100.6 100.2 100 96.5 95.9 95.0 95 94.0 92.8 92.6 92.3 91.4 90.8 93.0 90.3 90.2 92.2 89.1 90 91.2 90.8 90.5 89.8 89.4 89.2 89.0 88.3 88.2 88.3 85 80.5 80 79.
Slide 11: Deposit Summary
Deposit Summary Mil.Bt. Deposit - Customers Deposit - Fin.Inst Total Deposit 700 634 642 640 621 622 627 629 607 609 613 615 596 597 600 500 400 601 604 612 620 619 609 300 579 582 588 590 597 569 571 200 100 28 26 26 27 25 25 24 22 23 23 22 21 21 0 9 9 9 9 9 9 8 9 9 9 9 9 99 -9 -9 9 -9 -9 -9 -9 -9
Slide 12: Customer Deposit Breakdown
Customer Deposit Breakdown As of January 2000 Fixed - 3 Saving mths Account Fixed Account 61% 29% 68% Fixed - 6 mths 2% Current Fixed - 12 Account mths and over 3% 5% 12
Slide 13: Loans Portfolio
Loans Portfolio As of December 31, 1999 Foreign Branches Agri. & Forestry 3.1% 2.6% Mining Consumer 0.5% 12.8% Service 6.9% Industrial 25.7% Utilities 3.9% Real Estate 5.2% Construction 4.9% Fin. Inst. 9.5% Commerce 25.1% 13