Financial Highlight
ข้อมูลทางการเงินโดยสรุป
| Financial Data (Unit: Billion Baht) | Consolidated Financial Statement | ||||
|---|---|---|---|---|---|
|
FY24 |
FY23 | FY22 | FY21 | ||
| Loans(1) |
2,698.6
|
2,576.5 | 2,592.8 | 2,629.0 | |
| NPLs (Gross) | 95.1 | 99.4 | 101.1 | 106.8 | |
| Total Assets | 3,744.2 | 3,677.7 | 3,592.4 | 3,556.7 | |
| Deposits | 2,731.3 | 2,646.9 | 2,590.2 | 2,614.7 | |
| Total Liabilities | 3,279.8 | 3,256.8 | 3,199.8 | 3,182.6 | |
| Shareholders'equity (attributable to equity holders of the bank) | 443.8 | 402.4 | 376.3 | 360.1 | |
| Tier1 Capital Fund(2) | 408.1 | 375.4 | 355.9 | 348.3 | |
| Total Capital Fund(2) | 449.4 | 441.4 | 422.1 | 415.5 | |
| Interest Income | 165.1 | 152.4 | 113.5 | 104.8 | |
| Interest Expense | 46.0 | 38.9 | 23.1 | 21.5 | |
| Interest Income, Net | 119.1 | 113.4 | 90.4 | 83.4 | |
| Fee and Service Income | 30.9 | 28.7 | 28.1 | 28.3 | |
| Fee and Service Expenses | 8.6 | 7.8 | 7.8 | 8.3 | |
| Fee and Service Income, Net | 22.3 | 20.9 | 20.3 | 20.0 | |
| Total Operating Income | 159.1 | 149.5 | 125.4 | 115.8 | |
| Total Operating Expenses | 68.8 | 62.2 | 54.8 | 52.7 | |
| Expected Credit Losses | 31.1 | 37.1 | 24.3 | 32.5 | |
| Income Tax Expense | 11.6 | 9.9 | 9.1 | 6.0 | |
| Net Income (attributable to equity holders of the bank) | 43.9 | 36.6 | 33.7 | 21.6 | |
| Financial Ratio | Consolidated Financial Statement | ||||
|---|---|---|---|---|---|
| FY24 | FY23 | FY22 | FY21 | ||
| Loan/Deposit(1) |
98.80
|
97.34 | 100.10 | 100.54 | |
| NPL ratio (Gross) | 2.99 | 3.08 | 3.26 | 3.50 | |
| Tier1 Ratio(2) | 19.45 | 17.62 | 16.69 | 16.86 | |
| CAR(2) | 21.42 | 20.71 | 19.80 | 20.12 | |
| ROA(3) | 1.18 | 1.01 | 0.94 | 0.63 | |
| ROE(4) | 10.37 | 9.40 | 9.15 | 6.14 | |
| EPS (Bt) | 3.14 | 2.62 | 2.41 | 1.54 | |
| BVPS (Bt) (equity holders of the bank) | 31.74 | 28.78 | 26.91 | 25.75 | |
(1) Loans less deferred revenue
(2) Y2024 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) Y2024 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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