Financial Highlight
Summary Financial Data
|
Summary Financial Data (Unit: Billion Baht) |
Consolidated Financial Statement | ||||
|---|---|---|---|---|---|
| 9M19 | FY18 | FY17 | FY16 | FY15 | |
| Loans(1) | 2,092.1 | 2,024.2 | 1,938.1 | 1,904.1 | 2,027.4 |
| NPLs (Gross) | 109.8 | 106.4 | 103.0 | 91.1 | 76.4 |
| NPLs (Net) | 44.9 | 44.4 | 42.5 | 40.8 | 40.6 |
| Total Assets | 2,913.4 | 2,739.2 | 2,854.2 | 2,689.7 | 2,815.3 |
| Deposits | 2,082.5 | 2,039.6 | 2,070.9 | 1,972.4 | 2,135.5 |
| Total Liabilities | 2,568.2 | 2,425.1 | 2,560.0 | 2,410.3 | 2,565.0 |
| Shareholders'equity (attributable to equity holders of the bank) | 335.7 | 305.9 | 287.9 | 274.2 | 245.9 |
| Tier1 Capital Fund(2) | 296.1 | 285.0 | 268.5 | 249.3 | 229.3 |
| Total Capital Fund(2) | 393.9 | 358.7 | 342.7 | 323.2 | 304.8 |
| Interest Income | 93.5 | 119.8 | 122.9 | 129.2 | 132.5 |
| Interest Expense | 25.9 | 36.1 | 36.0 | 42.3 | 51.7 |
| Interest Income, Net | 67.6 | 83.7 | 86.9 | 86.9 | 80.8 |
| Fee and Service Income | 21.8 | 29.5 | 28.6 | 25.9 | 24.2 |
| Fee and Service Expenses | 4.6 | 5.8 | 4.6 | 3.9 | 2.9 |
| Fee and Service Income, Net | 17.2 | 23.7 | 24.0 | 22.0 | 21.3 |
| Total Operating Income | 94.0 | 117.2 | 123.2 | 124.7 | 116.6 |
| Total Operating Expenses | 45.9 | 53.1 | 49.5 | 50.6 | 50.9 |
| Bad debt, doubtful accounts and Loss on Impairment | 19.0 | 26.2 | 44.8 | 33.4 | 30.5 |
| Income Tax Expense | 5.2 | 6.9 | 4.8 | 7.1 | 5.6 |
| Net Income (attributable to equity holders of the bank) | 21.8 | 28.5 | 22.4 | 32.3 | 28.5 |
| Financial Ratio | Consolidated Financial Statement | ||||
|---|---|---|---|---|---|
| 9M19 | FY18 | FY17 | FY16 | FY15 | |
| Loan/Deposit(1) (%) | 100.46 | 99.25 | 93.59 | 96.54 | 94.94 |
| NPL ratio (Gross) (%) | 4.58 | 4.53 | 4.19 | 3.97 | 3.20 |
| NPL ratio (Net) (%) | 1.92 | 1.94 | 1.77 | 1.81 | 1.73 |
| Tier1 Ratio(2)(%) | 14.96 | 14.47 | 13.44 | 12.81 | 11.17 |
| CAR(2) (%) | 19.91 | 18.22 | 17.15 | 16.60 | 14.85 |
| ROA(4) (%) | 1.03(5) | 1.02 | 0.81 | 1.17 | 1.02 |
| ROE((5) (%) | 9.10(5) | 9.60 | 7.99 | 12.42 | 11.92 |
| EPS (Bt) | 1.56 | 2.04 | 1.61 | 2.31 | 2.04 |
| BVPS (Bt) (equity holders of the bank) | 24.01 | 21.88 | 20.59 | 19.61 | 17.59 |
(1) Loans less deferred revenue
(2) Capital fund and capital adequacy ratio as at September 30, 2019 are preliminary information prepared accordance with BOT guidelines. However, the capital data as at December 31, 2018 has been updated in alignment with the report 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)
(2) Capital fund and capital adequacy ratio as at September 30, 2019 are preliminary information prepared accordance with BOT guidelines. However, the capital data as at December 31, 2018 has been updated in alignment with the report 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, 9M2019 would be 1.16% whilst ROE for 9M2019 would be 10.19%.
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