ศักยภาพแห่งการใช้จ่ายอย่างมั่นใจ

Financial Highlight

Summary Financial Data

Summary Financial Data
(Unit: Billion Baht)
Consolidated Financial Statement
1H20
(TFRS 9)
FY19 FY18 FY17 FY16
Loans(1) 2,285.6 2,089.9 2,024.2 1,938.1 1,904.1
NPLs (Gross) 115.0 102.7 106.4 103.0 91.1
Total Assets 3,171.3 3,012.2 2,739.2 2,854.2 2,689.7
Deposits 2,350.8 2,155.9 2,039.6 2,070.9 1,972.4
Total Liabilities 2,823.0 2,663.9 2,425.1 2,560.0 2,410.3
Shareholders'equity (attributable to equity holders of the bank) 338.0 338.3 305.9 287.9 274.2
Tier1 Capital Fund(2) 310.3 305.8 285.0 268.5 249.3
Total Capital Fund(2) 385.8 381.3 358.7 342.7 323.2
Interest  Income 59.8 123.0 119.8 122.9 129.2
Interest Expense 13.4 34.7 36.1 36.0 42.3
Interest  Income, Net 46.4 88.3 83.7 86.9 86.9
Fee and Service Income 13.8 29.6 29.5 28.6 25.9
Fee and Service Expenses 3.6 6.4 5.8 4.6 3.9
Fee and Service Income, Net 10.2 23.2 23.7 24.0 22.0
Total Operating Income 63.4 125.7 117.2 123.2 124.7
Total Operating Expenses 25.8 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 23.2 - - - -
Income Tax Expense 2.7 7.2 6.9 4.8 7.1
Net Income (attributable to equity holders of the bank) 10.2 29.3 28.5 22.4 32.3

Financial Ratio Consolidated Financial Statement
1H20
(TFRS 9)
FY19 FY18 FY17 FY16
Loan/Deposit(1) (%) 97.23 96.94 99.25 93.59 96.54
NPL ratio (Gross) (%) 4.35 4.33 4.53 4.19 3.97
Tier1 Ratio(2) (%) 15.42 15.24 14.47 13.44 12.81
CAR(2) (%) 19.17 19.01 18.22 17.15 16.60
ROA(3) 0.66 1.02 1.02 0.81 1.17
ROE(4) 6.08 9.09 9.60 7.99 12.42
EPS (Bt) 0.73 2.09 2.04 1.61 2.31
BVPS (equity holders of the bank) (Bt) 24.18 24.20 21.88 20.59 19.61

(1) Loans less deferred revenue
(2) 1H20 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)