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)
(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)
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