ศักยภาพแห่งการใช้จ่ายอย่างมั่นใจ

Financial Highlight

Summary Financial Data

Summary Financial Data
(Unit: Billion Baht)
Consolidated Financial Statement
FY19 FY18 FY17 FY16 FY15
Loans(1) 2,089.9 2,024.2 1,938.1 1,904.1 2,027.4
NPLs (Gross) 102.7 106.4 103.0 91.1 76.4
NPLs (Net) 42.3 44.4 42.5 40.8 40.6
Total Assets 3,012.2 2,739.2 2,854.2 2,689.7 2,815.3
Deposits 2,155.9 2,039.6 2,070.9 1,972.4 2,135.5
Total Liabilities 2,663.9 2,425.1 2,560.0 2,410.3 2,565.0
Shareholders'equity (attributable to equity holders of the bank) 338.3 305.9 287.9 274.2 245.9
Tier1 Capital Fund(2) 305.8 285.0 268.5 249.3 229.3
Total Capital Fund(2) 381.3 358.7 342.7 323.2 304.8
Interest  Income 123.0 119.8 122.9 129.2 132.5
Interest Expense 34.7 36.1 36.0 42.3 51.7
Interest  Income, Net 88.3 83.7 86.9 86.9 80.8
Fee and Service Income 29.6 29.5 28.6 25.9 24.2
Fee and Service Expenses 6.4 5.8 4.6 3.9 2.9
Fee and Service Income, Net 23.2 23.7 24.0 22.0 21.3
Total Operating Income 125.7 117.2 123.2 124.7 116.6
Total Operating Expenses 62.5 53.1 49.5 50.6 50.9
Bad debt, doubtful accounts and Loss on Impairment 23.8 26.2 44.8 33.4 30.5
Income Tax Expense 7.2 6.9 4.8 7.1 5.6
Net Income (attributable to equity holders of the bank) 29.3 28.5 22.4 32.3 28.5

Financial Ratio Consolidated Financial Statement
FY19 FY18 FY17 FY16 FY15
Loan/Deposit(1) (%) 96.94 99.25 93.59 96.54 94.94
NPL ratio (Gross) (%) 4.33 4.53 4.19 3.97 3.20
NPL ratio (Net) (%) 1.83 1.94 1.77 1.81 1.73
Tier1 Ratio(2) (%) 15.24 14.47 13.44 12.81 11.17
CAR(2) (%) 19.01 18.22 17.15 16.60 14.85
ROA(3) (%) 1.02(5) 1.02 0.81 1.17 1.02
ROE(4) (%) 9.09(5) 9.60 7.99 12.42 11.92
EPS (Bt) 2.09 2.04 1.61 2.31 2.04
BVPS (equity holders of the bank) (Bt) 24.20 21.88 20.59 19.61 17.59

(1) Loans less deferred revenue
(2) 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%.