Kasikornbank eyes 10-12% loan growth in its SME unit in 2013E

Check out KBANK's strategic direction by business unit.

BNP Paribas is confident in KBANK’s earnings visibility, supported by a welldiversified loan mix and high non-lending participation.

Its lending growth focus on retail and SME segments, continued strong momentum in non-lending growth and improved operating efficiency limits negatives from any volatility and supports our 2014E EPS growth of 19%.

Here's KBANK’s strategic direction by business unit according to BNP Paribas:

SME: Target 10-12% loan growth in 2013E
1) Maintain #1 main banking position by acquiring new trade credit customers and offering cash
management solutions; 2) Offer comprehensive solutions via K SME CARE programme with support from
its extensive network of 877 branches, 177 SME business centres, and 63 corporate & SME service centres

Corporate: Target 4-6% loan growth in 2013E
1) Offer product bundling via comprehensive fund raising and cash management; 2) Maintain #1 main
banking position; 3) Maintain #1 position in outright trading vol of corp bonds, bond underwriting and
syndicated loan arranging; 4) Focus sectors: constr materials, auto, food & bev, commerce & transport.

Retail Target: 10-13% loan growth in 2013E
1) Maintain #1 position in bancassurance & mutual funds; 2) Maintain strong penetration of affluent
customers (market share already at 70% from 40% in 2010); 3) Maintain leading positions in card
businesses, digital banking and mortgages.

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