ศักยภาพแห่งการใช้จ่ายอย่างมั่นใจ

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)