Financial Highlight
Summary financial information
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| Financial Data (Unit: Billion Baht) | Consolidated Financial Statement | ||||
|---|---|---|---|---|---|
| 1Q25(5) | FY24 | FY23 | FY22 | ||
| Loans(1) | 2,663.3 | 2,698.6 | 2,576.5 | 2,592.8 | |
| NPLs (Gross) | 95.0 | 95.1 | 99.4 | 101.1 | |
| Total Assets | 3,760.9 | 3,740.5 | 3,677.7 | 3,592.4 | |
| Deposits | 2,752.2 | 2,731.3 | 2,646.9 | 2,590.2 | |
| Total Liabilities | 3,286.8 | 3,279.8 | 3,256.8 | 3,199.8 | |
| Shareholders'equity (attributable to equity holders of the bank) | 452.7 | 440.1 | 402.4 | 376.3 | |
| Tier1 Capital Fund(2) | 409.5 | 408.1 | 375.4 | 355.9 | |
| Total Capital Fund(2) | 450.3 | 449.4 | 441.4 | 422.1 | |
| Interest Income | 38.6 | 165.1 | 152.4 | 113.5 | |
| Interest Expense | 10.8 | 46.0 | 38.9 | 23.1 | |
| Interest Income, Net | 27.8 | 119.1 | 113.4 | 90.4 | |
| Fee and Service Income | 7.6 | 30.9 | 28.7 | 28.1 | |
| Fee and Service Expenses | 2.2 | 8.6 | 7.8 | 7.8 | |
| Fee and Service Income, Net | 5.4 | 22.3 | 20.9 | 20.3 | |
| Total Operating Income | 40.3 | 159.1 | 149.5 | 125.4 | |
| Total Operating Expenses | 16.3 | 68.8 | 62.2 | 54.8 | |
| Expected Credit Losses | 8.2 | 31.1 | 37.1 | 24.3 | |
| Income Tax Expense | 3.2 | 11.6 | 9.9 | 9.1 | |
| Net Income (attributable to equity holders of the bank) | 11.7 | 43.9 | 36.6 | 33.7 | |
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| Financial Ratio | Consolidated Financial Statement | ||||
|---|---|---|---|---|---|
| 1Q25(5) | FY24 | FY23 | FY22 | ||
| Loan/Deposit(1) | 96.77 | 98.80 | 97.34 | 100.10 | |
| NPL ratio (Gross) | 2.97 | 2.99 | 3.08 | 3.26 | |
| Tier1 Ratio(2) | 19.82 | 19.45 | 17.62 | 16.69 | |
| CAR(2) | 21.80 | 21.42 | 20.71 | 19.80 | |
| ROA(3) | 1.27 | 1.18 | 1.01 | 0.94 | |
| ROE(4) | 10.64 | 10.37 | 9.40 | 9.15 | |
| EPS (Bt) | 0.84 | 3.14 | 2.62 | 2.41 | |
| BVPS (Bt) (equity holders of the bank) | 32.38 | 31.48 | 28.78 | 26.91 | |
(1) Loans less deferred revenue
(2) 1Q25 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)
(5) In 1Q25 the associated companies has adopted the financial reporting standard No. 17 - Insurance Contracts for the first time (Y2024 asset and shareholders'equity (attributable to equity holders of the bank) and BVPS have been adjusted for comparable purpose)
(2) 1Q25 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)
(5) In 1Q25 the associated companies has adopted the financial reporting standard No. 17 - Insurance Contracts for the first time (Y2024 asset and shareholders'equity (attributable to equity holders of the bank) and BVPS have been adjusted for comparable purpose)
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