Kasikorn Bank Bank of the Year 2026

Journal of Finance and Banking April 2569 issue announces ranking results Bank of the Year 2569 Bank of the Year 2026 Using the operating results of 12 commercial banks in the year 2568 from January 1 to December 31, 2568 to consider the ranking, it appears that Kasikornbank has been crowned Bank of the Year 2569.

Kasikornbank demonstrated outstanding performance, projecting total revenue of 251,100.47 million baht in 2025 to be the highest among all commercial banks. It also achieved the highest net profit of 49,564.77 million baht, an increase of 966.64 million baht or 1.99%, and the second highest earnings per share of 20.63 baht.

In terms of financial strength, the bank has a capital adequacy ratio (BIS Ratio) of 20.35%, comprising Tier 1 capital of 18.38% and Tier 2 capital of 1.97%. It also boasts a high coverage ratio (probability of expected credit losses to non-performing loans) of 162.75%.

For the years 2569-2571, the bank aims to enhance its "customer-centric" strategy by transforming its role into that of a partner who comprehensively understands customer needs. This will be achieved by analyzing financial and non-financial data from all customer segments—individuals, SMEs, and businesses—and developing services that cover all aspects of customer needs, including financial products, business advice, and digital support services. The focus is on designing user experiences that reduce complexity and increase convenience, ensuring continuous service across all channels.

To drive these goals, the bank will continue its 3+1 and Productivity strategy from 2568, comprising:

Strategy 1 Enhance and improve the efficiency of the credit system. (Reinvigorate Credit Performance) The bank has established a strategy to enhance and improve credit performance, focusing on quality growth through prudent lending practices, particularly in secured loans from existing customers and those within the supply chain of strategic partners. Furthermore, the bank aims to support the transition to a low-carbon society by allocating loan funds aligned with environmental goals, while also improving the efficiency of its lending processes.

Strategy 2 focuses on expanding fee-based income business. (Scale Capital - Lite Fee Income Businesses) The bank focuses on expanding its fee income business by offering investment and insurance products that meet customer needs, along with developing digital platforms both domestically and in the region, aiming to become a leader in payment services.

Strategy 3: Strengthen the bank's various channels to deliver customer-centric and efficient services. (Strengthen and Pioneer Sales and Service Models to Deliver Value-based Results) The bank aims to strengthen all its service channels to provide customers with seamless and efficient access to bank services, leveraging digital technology (Digital-First) and expert personnel, while managing costs and risks appropriately.

Strategy +1: Seeking new revenue streams in both the medium and long term. (New Revenue Creation for Medium and Long Term) The bank has a policy of exploring business opportunities to increase new revenue while managing risks rigorously through key business units as follows:

• Expanding into new markets among low-income customers and those with limited access to banking services. Through investments by Kasikorn Investor Company Limited (KIV) in companies engaged in lending, payment services, and asset management businesses, this enhances the flexibility in providing financial services to individual customers and reduces credit risk costs.

• Becoming a leading financial services provider in the region. (Regional Business) By creating channels to access international customer markets in the People's Republic of China, the Republic of Indonesia, and the Socialist Republic of Vietnam, along with offering services that support cross-border transactions and business for customers.
• Developing innovations for the future. (Innovation for Future Growth) Building upon traditional banking business, this approach aligns with changing consumer behavior, technology, and competition to enhance growth and create new revenue streams.

Furthermore, the bank's operations are aligned with the policies and standards of the Bank of Thailand and other regulatory bodies to ensure that its operations are efficient, transparent, and adaptable to future economic changes.

Follow and read other columns in the Bank Finance Journal, April 2569, Issue 528 in digital format: https://goo.gl/U6OnIi

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