ศักยภาพแห่งการใช้จ่ายอย่างมั่นใจ

Financial Highlight

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

1Q23

FY22 FY21 FY20
Loans(1) 2,582.3  2,592.8   2,629.0 2,334.8
NPLs (Gross) 102.5 101.1 106.8 107.1
Total Assets 3,569.1 3,592.4 3,556.7 3,327.8
Deposits 2,620.7 2,590.2 2,614.7 2,463.2
Total Liabilities 3,162.2 3,199.8 3,182.6 2,972.7
Shareholders'equity (attributable to equity holders of the bank) 389.7  376.3 360.1 343.5
Tier1 Capital Fund(2) 357.3 355.9 348.3 315.8 
Total Capital Fund(2) 423.5 422.1 415.5 382.1 
Interest Income 34.1 113.5 104.8 112.8
Interest Expense 8.5 23.1  21.5 24.5
Interest Income, Net 25.6 90.4 83.4 88.3
Fee and Service Income 7.2  28.1 28.3 27.7
Fee and Service Expenses 2.0 7.8 8.3 7.2
Fee and Service Income, Net 5.1 20.3 20.0 20.5
Total Operating Income 35.3 125.4 115.8 122.2
Total Operating Expenses 13.7 54.8 52.7 53.5
Bad debt, doubtful accounts and Loss on Impairment - - - -
Expected Credit Losses 8.1 24.3 32.5 44.9
Income Tax Expense 2.5 9.1 6.0 4.4
Net Income (attributable to equity holders of the bank) 10.1 33.7 21.6 16.7
 
Financial Ratio Consolidated Financial Statement
1Q23 FY22 FY21 FY20
Loan/Deposit(1) 98.53 100.10 100.54 94.79 
NPL ratio (Gross) 3.22 3.26 3.50 3.81
Tier1 Ratio(2) 16.79 16.69 16.86 15.79 
CAR(2) 19.90 19.80 20.12 19.11
ROA(3) 1.14 0.94  0.63 0.53
ROE(4) 10.66 9.15 6.14 4.91
EPS (Bt) 0.72 2.41 1.54 1.20
BVPS (Bt) (equity holders of the bank) 27.87 26.91 25.75 24.57

(1) Loans less deferred revenue 
(2) 1Q23 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)