Financial Information
ศักยภาพแห่งการใช้จ่ายอย่างมั่นใจ

Financial Highlight


Summary Financial Data

Summary Financial Data
(Unit: Billion Baht)
Consolidated Financial Statement
9M19 FY18 FY17 FY16 FY15
Loans(1) 2,092.1 2,024.2 1,938.1 1,904.1 2,027.4
NPLs (Gross) 109.8 106.4 103.0 91.1 76.4
NPLs (Net) 44.9 44.4 42.5 40.8 40.6
Total Assets 2,913.4 2,739.2 2,854.2 2,689.7 2,815.3
Deposits 2,082.5 2,039.6 2,070.9 1,972.4 2,135.5
Total Liabilities 2,568.2 2,425.1 2,560.0 2,410.3 2,565.0
Shareholders'equity (attributable to equity holders of the bank) 335.7 305.9 287.9 274.2 245.9
Tier1 Capital Fund(2) 296.1 285.0 268.5 249.3 229.3
Total Capital Fund(2) 393.9 358.7 342.7 323.2 304.8
Interest  Income 93.5 119.8 122.9 129.2 132.5
Interest Expense 25.9 36.1 36.0 42.3 51.7
Interest  Income, Net 67.6 83.7 86.9 86.9 80.8
Fee and Service Income 21.8 29.5 28.6 25.9 24.2
Fee and Service Expenses 4.6 5.8 4.6 3.9 2.9
Fee and Service Income, Net 17.2 23.7 24.0 22.0 21.3
Total Operating Income 94.0 117.2 123.2 124.7 116.6
Total Operating Expenses 45.9 53.1 49.5 50.6 50.9
Bad debt, doubtful accounts and Loss on Impairment 19.0 26.2 44.8 33.4 30.5
Income Tax Expense 5.2 6.9 4.8 7.1 5.6
Net Income (attributable to equity holders of the bank) 21.8 28.5 22.4 32.3 28.5

Financial Ratio Consolidated Financial Statement
9M19 FY18 FY17 FY16 FY15
Loan/Deposit(1) (%) 100.46 99.25 93.59 96.54 94.94
NPL ratio (Gross) (%) 4.58 4.53 4.19 3.97 3.20
NPL ratio (Net) (%) 1.92 1.94 1.77 1.81 1.73
Tier1 Ratio(2)(%) 14.96 14.47 13.44 12.81 11.17
CAR(2) (%) 19.91 18.22 17.15 16.60 14.85
ROA(4) (%) 1.03(5) 1.02 0.81 1.17 1.02
ROE((5) (%) 9.10(5) 9.60 7.99 12.42 11.92
EPS (Bt) 1.56 2.04 1.61 2.31 2.04
BVPS (Bt) (equity holders of the bank) 24.01 21.88 20.59 19.61 17.59

(1) Loans less deferred revenue
(2) Capital fund and capital adequacy ratio as at September 30, 2019 are preliminary information prepared accordance with BOT guidelines. However, the capital data as at December 31, 2018 has been updated in alignment with the report 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, 9M2019 would be 1.16% whilst ROE for 9M2019 would be 10.19%.