Thailand · Delayed Price · Currency is THB Kasikornbank PCL Earnings Call Transcripts
Fiscal Year 2025
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Amid economic and geopolitical headwinds, targets for double-digit ROE and sustainable shareholder returns are maintained, with a raised CET1 target of at least 15% and a dividend payout of 50-60%. Strategic focus remains on quality credit growth, digital leadership, and cost discipline.
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Challenging macro conditions and policy rate cuts have led to a downward revision in GDP growth and NIM, but stable asset quality, strong fee income, and disciplined cost control support resilience. Double-digit ROE and higher capital targets are maintained, with a focus on sustainable shareholder returns.
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Aiming for double-digit ROE by 2026, the strategy centers on quality lending, digital leadership, and productivity gains. Flat loan growth is expected, with retail loans driving expansion and new revenue streams targeted for future growth.
Fiscal Year 2024
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Focused on quality loan growth, digital leadership, and productivity, with NIM projected at 3.3%-3.5% and cost-to-income ratio in the low to mid-40s. Double-digit ROE targeted by 2026, supported by strong fee income and capital management.