Financial Highlight
Summary Financial Data
|
Summary Financial Data (Unit: Billion Baht) |
Consolidated Financial Statement | ||||
|---|---|---|---|---|---|
|
1Q20 (TFRS 9) |
FY19 | FY18 | FY17 | FY16 | |
| Loans(1) | 2,131.9 | 2,089.9 | 2,024.2 | 1,938.1 | 1,904.1 |
| NPLs (Gross) | 112.4 | 102.7 | 106.4 | 103.0 | 91.1 |
| Total Assets | 3,163.1 | 3,012.2 | 2,739.2 | 2,854.2 | 2,689.7 |
| Deposits | 2,352.5 | 2,155.9 | 2,039.6 | 2,070.9 | 1,972.4 |
| Total Liabilities | 2,824.5 | 2,663.9 | 2,425.1 | 2,560.0 | 2,410.3 |
| Shareholders'equity (attributable to equity holders of the bank) | 327.8 | 338.3 | 305.9 | 287.9 | 274.2 |
| Tier1 Capital Fund(2) | 310.4 | 305.8 | 285.0 | 268.5 | 249.3 |
| Total Capital Fund(2) | 386.6 | 381.3 | 358.7 | 342.7 | 323.2 |
| Interest Income | 30.2 | 123.0 | 119.8 | 122.9 | 129.2 |
| Interest Expense | 7.3 | 34.7 | 36.1 | 36.0 | 42.3 |
| Interest Income, Net | 23.0 | 88.3 | 83.7 | 86.9 | 86.9 |
| Fee and Service Income | 6.8 | 29.6 | 29.5 | 28.6 | 25.9 |
| Fee and Service Expenses | 1.8 | 6.4 | 5.8 | 4.6 | 3.9 |
| Fee and Service Income, Net | 5.0 | 23.2 | 23.7 | 24.0 | 22.0 |
| Total Operating Income | 31.0 | 125.7 | 117.2 | 123.2 | 124.7 |
| Total Operating Expenses | 13.5 | 62.5 | 53.1 | 49.5 | 50.6 |
| Bad debt, doubtful accounts and Loss on Impairment | - | 23.8 | 26.2 | 44.8 | 33.4 |
| Expected Credit Losses | 8.5 | - | - | - | - |
| Income Tax Expense | 1.7 | 7.2 | 6.9 | 4.8 | 7.1 |
| Net Income (attributable to equity holders of the bank) | 6.5 | 29.3 | 28.5 | 22.4 | 32.3 |
| Financial Ratio | Consolidated Financial Statement | ||||
|---|---|---|---|---|---|
|
1Q20 (TFRS 9) |
FY19 | FY18 | FY17 | FY16 | |
| Loan/Deposit(1) (%) | 90.62 | 96.94 | 99.25 | 93.59 | 96.54 |
| NPL ratio (Gross) (%) | 4.36 | 4.33 | 4.53 | 4.19 | 3.97 |
| Tier1 Ratio(2) (%) | 15.03 | 15.24 | 14.47 | 13.44 | 12.81 |
| CAR(2) (%) | 18.71 | 19.01 | 18.22 | 17.15 | 16.60 |
| ROA(3)(5) (%) | 0.84 | 1.02 | 1.02 | 0.81 | 1.17 |
| ROE(4)(5) (%) | 7.81 | 9.09 | 9.60 | 7.99 | 12.42 |
| EPS (Bt) | 0.46 | 2.09 | 2.04 | 1.61 | 2.31 |
| BVPS (equity holders of the bank) (Bt) | 23.44 | 24.20 | 21.88 | 20.59 | 19.61 |
(1) Loans less deferred revenue
(2) 1Q20 and 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)
(2) 1Q20 and 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%.
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