ศักยภาพแห่งการใช้จ่ายอย่างมั่นใจ

Financial Highlight

Summary Financial Data

Financial Data
(Unit: Billion Baht)
Consolidated Financial Statement
1Q22 FY21

FY20

FY19 FY18
Loans(1) 2,658.8 2,629.0 2,334.8 2,089.9 2,024.2
NPLs (Gross) 106.5 106.8 107.1 102.7 106.4
Total Assets 3,581.5 3,556.7 3,327.8 3,012.2 2,739.2
Deposits 2,712.7 2,614.7 2,463.2 2,155.9 2,039.6
Total Liabilities 3,205.0 3,182.6 2,972.7 2,663.9 2,425.1
Shareholders'equity (attributable to equity holders of the bank) 361.5 360.1 343.5 338.3 305.9
Tier1 Capital Fund(2) 344.7 348.3 315.8 305.8 285.0
Total Capital Fund(2) 412.1 415.5 382.1 381.3 358.7
Interest Income 26.2 104.8 112.8 123.0 119.8
Interest Expense 5.1 21.5 24.5 34.7 36.1
Interest Income, Net 21.1 83.4 88.3 88.3 83.7
Fee and Service Income 7.0 28.3 27.7 29.6 29.5
Fee and Service Expenses 2.0 8.3 7.2 6.4 5.8
Fee and Service Income, Net 5.0 20.0 20.5 23.2 23.7
Total Operating Income 29.7 115.8 122.2 125.7 117.2
Total Operating Expenses 12.2 52.7 53.5 62.5 53.1
Bad debt, doubtful accounts and Loss on Impairment - - - 23.8 26.2
Expected Credit Losses 5.5 32.5 44.9 - -
Income Tax Expense 2.3 6.0 4.4 7.2 6.9
Net Income (attributable to equity holders of the bank) 8.8 21.6 16.7 29.3 28.5

Financial Ratio Consolidated Financial Statement
1Q22 FY21 FY20 FY19 FY18
Loan/Deposit(1) 98.01 100.54 94.79 96.94 99.25
NPL ratio(Gross) 3.34 3.50 3.81 4.33 4.53
Tier1 Ratio(2) 16.59 18.86 15.79 15.24 14.47
CAR(2) 19.84 20.21 19.11 19.01 18.22
ROA(3) 1.00 0.63 0.53 1.02 1.02
ROE(4) 9.87 6.14 4.91 9.09 9.60
EPS (Bt) 0.63 1.54 1.20 2.09 2.04
BVPS (Bt) (equity holders of the bank) 25.86 25.75 24.57 24.20 21.88

(1) Loans less deferred revenue
(2) 1Q2022 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)