ศักยภาพแห่งการใช้จ่ายอย่างมั่นใจ

Financial Highlight

Summary Financial Data

Financial Data
(Unit: Billion Baht)
Consolidated Financial Statement
1H22 FY21

FY20

FY19
Loans(1) 2,634.9 2,629.0 2,334.8 2,089.9
NPLs (Gross) 104.4 106.8 107.1 102.7
Total Assets 3,565.0 3,556.7 3,327.8 3,012.2
Deposits 2,603.6 2,614.7 2,463.2 2,155.9
Total Liabilities 3,195.1 3,182.6 2,972.7 2,663.9
Shareholders'equity (attributable to equity holders of the bank) 355.4 360.1 343.5 338.3
Tier1 Capital Fund(2) 339.6 348.3 315.8 305.8
Total Capital Fund(2) 425.2 415.5 382.1 381.3
Interest Income 53.5 104.8 112.8 123.0
Interest Expense 10.6 21.5 24.5 34.7
Interest Income, Net 42.9 83.4 88.3 88.3
Fee and Service Income 13.8 28.3 27.7 29.6
Fee and Service Expenses 3.9 8.3 7.2 6.4
Fee and Service Income, Net 9.9 20.0 20.5 23.2
Total Operating Income 59.1 115.8 122.2 125.7
Total Operating Expenses 24.8 52.7 53.5 62.5
Bad debt, doubtful accounts and Loss on Impairment - - - 23.8
Expected Credit Losses 11.1 32.5 44.9 -
Income Tax Expense 4.3 6.0 4.4 7.2
Net Income (attributable to equity holders of the bank) 17.1 21.6 16.7 29.3

Financial Ratio Consolidated Financial Statement
1H22 FY21 FY20 FY19
Loan/Deposit(1) 101.20 100.54 94.79 96.94
NPL ratio(Gross) 3.32 3.50 3.81 4.33
Tier1 Ratio(2) 16.28 18.86 15.79 15.24
CAR(2) 20.38 20.21 19.11 19.01
ROA(3) 0.97 0.63 0.53 1.02
ROE(4) 9.66 6.14 4.91 9.09
EPS (Bt) 1.23 1.54 1.20 2.09
BVPS (Bt) (equity holders of the bank) 25.43 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)