Financial Highlight
Summary Financial Data
|
Financial Data (Unit: Billion Baht) |
Consolidated Financial Statement | ||||
|---|---|---|---|---|---|
| 9M22 | FY21 |
FY20 |
FY19 | ||
| Loans(1) | 2,611.9 | 2,629.0 | 2,334.8 | 2,089.9 | |
| NPLs (Gross) | 104.7 | 106.8 | 107.1 | 102.7 | |
| Total Assets | 3,691.7 | 3,556.7 | 3,327.8 | 3,012.2 | |
| Deposits | 2,601.6 | 2,614.7 | 2,463.2 | 2,155.9 | |
| Total Liabilities | 3,314.3 | 3,182.6 | 2,972.7 | 2,663.9 | |
| Shareholders'equity (attributable to equity holders of the bank) | 361.9 | 360.1 | 343.5 | 338.3 | |
| Tier1 Capital Fund(2) | 350.6 | 348.3 | 315.8 | 305.8 | |
| Total Capital Fund(2) | 436.7 | 415.5 | 382.1 | 381.3 | |
| Interest Income | 82.2 | 104.8 | 112.8 | 123.0 | |
| Interest Expense | 16.4 | 21.5 | 24.5 | 34.7 | |
| Interest Income, Net | 65.8 | 83.4 | 88.3 | 88.3 | |
| Fee and Service Income | 21.0 | 28.3 | 27.7 | 29.6 | |
| Fee and Service Expenses | 5.8 | 8.3 | 7.2 | 6.4 | |
| Fee and Service Income, Net | 15.2 | 20.0 | 20.5 | 23.2 | |
| Total Operating Income | 90.7 | 115.8 | 122.2 | 125.7 | |
| Total Operating Expenses | 39.1 | 52.7 | 53.5 | 62.5 | |
| Bad debt, doubtful accounts and Loss on Impairment | - | - | - | 23.8 | |
| Expected Credit Losses | 16.8 | 32.5 | 44.9 | - | |
| Income Tax Expense | 6.6 | 6.0 | 4.4 | 7.2 | |
| Net Income (attributable to equity holders of the bank) | 25.6 | 21.6 | 16.7 | 29.3 | |
| Financial Ratio | Consolidated Financial Statement | ||||
|---|---|---|---|---|---|
| 9M22 | FY21 | FY20 | FY19 | ||
| Loan/Deposit(1) | 100.39 | 100.54 | 94.79 | 96.94 | |
| NPL ratio(Gross) | 3.32 | 3.50 | 3.81 | 4.33 | |
| Tier1 Ratio(2) | 16.57 | 18.86 | 15.79 | 15.24 | |
| CAR(2) | 20.64 | 20.21 | 19.11 | 19.01 | |
| ROA(3) | 0.94 | 0.63 | 0.53 | 1.02 | |
| ROE(4) | 9.48 | 6.14 | 4.91 | 9.09 | |
| EPS (Bt) | 1.83 | 1.54 | 1.20 | 2.09 | |
| BVPS (Bt) (equity holders of the bank) | 25.89 | 25.75 | 24.57 | 24.20 | |
(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)
(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)
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