ศักยภาพแห่งการใช้จ่ายอย่างมั่นใจ

Financial Highlight

Summary Financial Data

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

FY2020

(TFRS9)

FY19 FY18 FY17 FY16
Loans(1) 2,334.8 2,089.9 2,024.2 1,938.1 1,904.1
NPLs (Gross) 107.1 102.7 106.4 103.0 91.1
Total Assets 3,327.8 3,012.2 2,739.2 2,854.2 2,689.7
Deposits 2,463.2 2,155.9 2,039.6 2,070.9 1,972.4
Total Liabilities 2,972.7 2,663.9 2,425.1 2,560.0 2,410.3
Shareholders'equity (attributable to equity holders of the bank) 343.5 338.3 305.9 287.9 274.2
Tier1 Capital Fund(2) 315.8 305.8 285.0 268.5 249.3
Total Capital Fund(2) 382.1 381.3 358.7 342.7 323.2
Interest  Income 112.8 123.0 119.8 122.9 129.2
Interest Expense 24.5 34.7 36.1 36.0 42.3
Interest  Income, Net 88.3 88.3 83.7 86.9 86.9
Fee and Service Income 27.7 29.6 29.5 28.6 25.9
Fee and Service Expenses 7.2 6.4 5.8 4.6 3.9
Fee and Service Income, Net 20.5 23.2 23.7 24.0 22.0
Total Operating Income 122.2 125.7 117.2 123.2 124.7
Total Operating Expenses 53.5 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 44.9 - - - -
Income Tax Expense 4.4 7.2 6.9 4.8 7.1
Net Income (attributable to equity holders of the bank) 16.7 29.3 28.5 22.4 32.3

Financial Ratio Consolidated Financial Statement
9M20
(TFRS 9)
FY19 FY18 FY17 FY16
Loan/Deposit(1) (%) 94.79 96.94 99.25 93.59 96.54
NPL ratio (Gross) (%) 3.81 4.33 4.53 4.19 3.97
Tier1 Ratio(2) (%) 15.79 15.24 14.47 13.44 12.81
CAR(2) (%) 19.11 19.01 18.22 17.15 16.60
ROA(3) 0.53 1.02 1.02 0.81 1.17
ROE(4) 4.91 9.09 9.60 7.99 12.42
EPS (Bt) 1.20 2.09 2.04 1.61 2.31
BVPS (equity holders of the bank) (Bt) 24.57 24.20 21.88 20.59 19.61

(1) Loans less deferred revenue
(2) FY20 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)