ศักยภาพแห่งการใช้จ่ายอย่างมั่นใจ

Financial Highlight

Summary Financial Data

Summary Financial Data
(Unit: Billion Baht)
Consolidated Financial Statement
1Q20
(TFRS 9)
FY19 FY18 FY17 FY16
Loans(1) 2,131.9 2,089.9 2,024.2 1,938.1 1,904.1
NPLs (Gross) 112.4 102.7 106.4 103.0 91.1
Total Assets 3,163.1 3,012.2 2,739.2 2,854.2 2,689.7
Deposits 2,352.5 2,155.9 2,039.6 2,070.9 1,972.4
Total Liabilities 2,824.5 2,663.9 2,425.1 2,560.0 2,410.3
Shareholders'equity (attributable to equity holders of the bank) 327.8 338.3 305.9 287.9 274.2
Tier1 Capital Fund(2) 310.4 305.8 285.0 268.5 249.3
Total Capital Fund(2) 386.6 381.3 358.7 342.7 323.2
Interest  Income 30.2 123.0 119.8 122.9 129.2
Interest Expense 7.3 34.7 36.1 36.0 42.3
Interest  Income, Net 23.0 88.3 83.7 86.9 86.9
Fee and Service Income 6.8 29.6 29.5 28.6 25.9
Fee and Service Expenses 1.8 6.4 5.8 4.6 3.9
Fee and Service Income, Net 5.0 23.2 23.7 24.0 22.0
Total Operating Income 31.0 125.7 117.2 123.2 124.7
Total Operating Expenses 13.5 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 8.5 - - - -
Income Tax Expense 1.7 7.2 6.9 4.8 7.1
Net Income (attributable to equity holders of the bank) 6.5 29.3 28.5 22.4 32.3

Financial Ratio Consolidated Financial Statement
1Q20
(TFRS 9)
FY19 FY18 FY17 FY16
Loan/Deposit(1) (%) 90.62 96.94 99.25 93.59 96.54
NPL ratio (Gross) (%) 4.36 4.33 4.53 4.19 3.97
Tier1 Ratio(2) (%) 15.03 15.24 14.47 13.44 12.81
CAR(2) (%) 18.71 19.01 18.22 17.15 16.60
ROA(3)(5) (%) 0.84 1.02 1.02 0.81 1.17
ROE(4)(5) (%) 7.81 9.09 9.60 7.99 12.42
EPS (Bt) 0.46 2.09 2.04 1.61 2.31
BVPS (equity holders of the bank) (Bt) 23.44 24.20 21.88 20.59 19.61

(1) Loans less deferred revenue
(2) 1Q20 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)
(5) If excluding extraordinary items, ROA for FY19 would be 1.17% whilst ROE for FY19 would be 10.46%.