Financial Highlight
ข้อมูลทางการเงินโดยสรุป
| Financial Data (Unit: Billion Baht) | Consolidated Financial Statement | ||||
|---|---|---|---|---|---|
|
9M23 |
FY22 | FY21 | FY20 | ||
| Loans(1) | 2,630.2 | 2,592.8 | 2,629.0 | 2,334.8 | |
| NPLs (Gross) | 98.3 | 101.1 | 106.8 | 107.1 | |
| Total Assets | 3,627.3 | 3,592.4 | 3,556.7 | 3,327.8 | |
| Deposits | 2,611.4 | 2,590.2 | 2,614.7 | 2,463.2 | |
| Total Liabilities | 3,218.6 | 3,199.8 | 3,182.6 | 2,972.7 | |
| Shareholders'equity (attributable to equity holders of the bank) | 391.2 | 376.3 | 360.1 | 343.5 | |
| Tier1 Capital Fund(2) | 371.6 | 355.9 | 348.3 | 315.8 | |
| Total Capital Fund(2) | 437.9 | 422.1 | 415.5 | 382.1 | |
| Interest Income | 110.6 | 113.5 | 104.8 | 112.8 | |
| Interest Expense | 27.6 | 23.1 | 21.5 | 24.5 | |
| Interest Income, Net | 83.1 | 90.4 | 83.4 | 88.3 | |
| Fee and Service Income | 21.3 | 28.1 | 28.3 | 27.7 | |
| Fee and Service Expenses | 5.9 | 7.8 | 8.3 | 7.2 | |
| Fee and Service Income, Net | 15.4 | 20.3 | 20.0 | 20.5 | |
| Total Operating Income | 109.9 | 125.4 | 115.8 | 122.2 | |
| Total Operating Expenses | 44.4 | 54.8 | 52.7 | 53.5 | |
| Bad debt, doubtful accounts and Loss on Impairment | - | - | - | - | |
| Expected Credit Losses | 24.0 | 24.3 | 32.5 | 44.9 | |
| Income Tax Expense | 8.2 | 9.1 | 6.0 | 4.4 | |
| Net Income (attributable to equity holders of the bank) | 30.5 | 33.7 | 21.6 | 16.7 | |
| Financial Ratio | Consolidated Financial Statement | ||||
|---|---|---|---|---|---|
| 9M23 | FY22 | FY21 | FY20 | ||
| Loan/Deposit(1) | 100.72 | 100.10 | 100.54 | 94.79 | |
| NPL ratio (Gross) | 3.10 | 3.26 | 3.50 | 3.81 | |
| Tier1 Ratio(2) | 17.37 | 16.69 | 16.86 | 15.79 | |
| CAR(2) | 20.47 | 19.80 | 20.12 | 19.11 | |
| ROA(3) | 1.13 | 0.94 | 0.63 | 0.53 | |
| ROE(4) | 10.63 | 9.15 | 6.14 | 4.91 | |
| EPS (Bt) | 2.18 | 2.41 | 1.54 | 1.20 | |
| BVPS (Bt) (equity holders of the bank) | 27.98 | 26.91 | 25.75 | 24.57 | |
(1) Loans less deferred revenue
(2) 9M23 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) 9M23 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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