ศักยภาพแห่งการใช้จ่ายอย่างมั่นใจ

Financial Highlight

Summary Financial Data

Summary Financial Data
(Unit: Billion Baht)
Consolidated Financial Statement
9M20
(TFRS 9)
FY19 FY18 FY17 FY16
Loans(1) 2,281.5 2,089.9 2,024.2 1,938.1 1,904.1
NPLs (Gross) 110.7 102.7 106.4 103.0 91.1
Total Assets 3,104.5 3,012.2 2,739.2 2,854.2 2,689.7
Deposits 2,312.5 2,155.9 2,039.6 2,070.9 1,972.4
Total Liabilities 2,754.7 2,663.9 2,425.1 2,560.0 2,410.3
Shareholders'equity (attributable to equity holders of the bank) 338.9 338.3 305.9 287.9 274.2
Tier1 Capital Fund(2) 308.5 305.8 285.0 268.5 249.3
Total Capital Fund(2) 374.5 381.3 358.7 342.7 323.2
Interest  Income 87.0 123.0 119.8 122.9 129.2
Interest Expense 19.0 34.7 36.1 36.0 42.3
Interest  Income, Net 68.0 88.3 83.7 86.9 86.9
Fee and Service Income 20.5 29.6 29.5 28.6 25.9
Fee and Service Expenses 5.2 6.4 5.8 4.6 3.9
Fee and Service Income, Net 15.3 23.2 23.7 24.0 22.0
Total Operating Income 93.7 125.7 117.2 123.2 124.7
Total Operating Expenses 39.5 62.5 53.1 49.5 50.6
Bad debt, doubtful accounts and Loss on Impairment - 23.8 26.2 44.8 33.4
Expected Credit Losses 35.6 - - - -
Income Tax Expense 3.2 7.2 6.9 4.8 7.1
Net Income (attributable to equity holders of the bank) 13.3 29.3 28.5 22.4 32.3

Financial Ratio Consolidated Financial Statement
9M20
(TFRS 9)
FY19 FY18 FY17 FY16
Loan/Deposit(1) (%) 98.66 96.94 99.25 93.59 96.54
NPL ratio (Gross) (%) 4.21 4.33 4.53 4.19 3.97
Tier1 Ratio(2) (%) 15.51 15.24 14.47 13.44 12.81
CAR(2) (%) 18.83 19.01 18.22 17.15 16.60
ROA(3) 0.58 1.02 1.02 0.81 1.17
ROE(4) 5.24 9.09 9.60 7.99 12.42
EPS (Bt) 0.95 2.09 2.04 1.61 2.31
BVPS (equity holders of the bank) (Bt) 24.24 24.20 21.88 20.59 19.61

(1) Loans less deferred revenue
(2) 9M20 and FY19 figures are preliminary information in accordance with BOT’s regulations while annual figures from FY17 onwards were updated in alignment with report submitted to BOT.
(3) ROA = Net income (attributable to equity holders of the bank) / average assets
(4) ROE = Net income (attributable to equity holders of the bank) / average equity (attributable to equity holders of the bank)