ศักยภาพแห่งการใช้จ่ายอย่างมั่นใจ

Financial Highlight

Summary Financial Data

Summary Financial Data
(Unit: Billion Baht)
Consolidated Financial Statement
1H21

FY20

FY19 FY18 FY17
Loans(1) 2,485.9 2,334.8 2,089.9 2,024.2 1,938.1
NPLs (Gross) 105.7 107.1 102.7 106.4 103.0
Total Assets 3,404.8 3,327.8 3,012.2 2,739.2 2,854.2
Deposits 2,493.1 2,463.2 2,155.9 2,039.6 2,070.9
Total Liabilities 3,049.0 2,972.7 2,663.9 2,425.1 2,560.0
Shareholders'equity (attributable to equity holders of the bank) 343.2 343.5 338.3 305.9 287.9
Tier1 Capital Fund(2) 314.0 315.8 305.8 285.0 268.5
Total Capital Fund(2) 401.0 382.1 381.3 358.7 342.7
Interest Income 51.6 112.8 123.0 119.8 122.9
Interest Expense 10.8 24.5 34.7 36.1 36.0
Interest Income, Net 40.9 88.3 88.3 83.7 86.9
Fee and Service Income 14.4 27.7 29.6 29.5 28.6
Fee and Service Expenses 4.3 7.2 6.4 5.8 4.6
Fee and Service Income, Net 10.1 20.5 23.2 23.7 24.0
Total Operating Income 57.5 122.2 125.7 117.2 123.2
Total Operating Expenses 24.9 53.5 62.5 53.1 49.5
Bad debt, doubtful accounts and Loss on Impairment - - 23.8 26.2 44.8
Expected Credit Losses 16.2 44.9 - - -
Income Tax Expense 3.2 4.4 7.2 6.9 4.8
Net Income (attributable to equity holders of the bank) 11.6 16.7 29.3 28.5 22.4

Financial Ratio Consolidated Financial Statement
1H21 FY20 FY19 FY18 FY17
Loan/Deposit(1) 99.71 94.79 96.94 99.25 93.59
NPL ratio(Gross) 3.54 3.81 4.33 4.53 4.19
Tier1 Ratio(2) 16.36 15.79 15.24 14.47 13.44
CAR(2) 19.63 19.11 19.01 18.22 17.15
ROA(3) 0.69 0.53 1.02 1.02 0.81
ROE(4) 6.81 4.91 9.09 9.60 7.99
EPS (Bt) 0.83 1.20 2.09 2.04 1.61
BVPS (Bt) (equity holders of the bank) 24.55 24.57 24.20 21.88 20.59

(1) Loans less deferred revenue
(2) 1H21 figures are preliminary information in accordance with BOT’s regulations
(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)