Financial Information
ศักยภาพแห่งการใช้จ่ายอย่างมั่นใจ

Financial Highlight


Summary Financial Data

Summary Financial Data
(Unit: Billion Baht)
Consolidated Financial Statement
1H19 FY18 FY17 FY16 FY15
Loans(1) 2,065.1 2,024.2 1,938.1 1,904.1 2,027.4
NPLs (Gross) 107.4 106.4 103.0 91.1 76.4
NPLs (Net) 43.1 44.4 42.5 40.8 40.6
Total Assets 2,727.0 2,739.2 2,854.2 2,689.7 2,815.3
Deposits 1,984.8 2,039.6 2,070.9 1,972.4 2,135.5
Total Liabilities 2,399.7 2,425.1 2,560.0 2,410.3 2,565.0
Shareholders'equity (attributable to equity holders of the bank) 318.6 305.9 287.9 274.2 245.9
Tier1 Capital Fund(2) 295.6 285.0 268.5 249.3 229.3
Total Capital Fund(2) 369.3 358.7 342.7 323.2 304.8
Interest  Income 63.6 119.8 122.9 129.2 132.5
Interest Expense 17.2 36.1 36.0 42.3 51.7
Interest  Income, Net 46.4 83.7 86.9 86.9 80.8
Fee and Service Income 14.3 29.5 28.6 25.9 24.2
Fee and Service Expenses 3.0 5.8 4.6 3.9 2.9
Fee and Service Income, Net 11.3 23.7 24.0 22.0 21.3
Total Operating Income 63.6 117.2 123.2 124.7 116.6
Total Operating Expenses 29.8 53.1 49.5 50.6 50.9
Bad debt, doubtful accounts and Loss on Impairment 12.9 26.2 44.8 33.4 30.5
Income Tax Expense 4.0 6.9 4.8 7.1 5.6
Net Income (attributable to equity holders of the bank) 15.5 28.5 22.4 32.3 28.5

Financial Ratio Consolidated Financial Statement
1H19 FY18 FY17 FY16 FY15
Loan/Deposit(1) (%) 104.04 99.25 93.59 96.54 94.94
NPL ratio (Gross) (%) 4.68 4.53 4.19 3.97 3.20
NPL ratio (Net) (%) 1.93 1.94 1.77 1.81 1.73
Tier1 Ratio(2)(%) 14.97 14.47 13.44 12.81 11.17
CAR(2) (%) 18.70 18.22 17.15 16.60 14.85
ROA(4) (%) 1.14 1.02 0.81 1.17 1.02
ROE((5) (%) 9.99 9.60 7.99 12.42 11.92
EPS (Bt) 1.11 2.04 1.61 2.31 2.04
BVPS (Bt) (equity holders of the bank) 22.79 21.88 20.59 19.61 17.59

(1) Loans less deferred revenue
(2) 2Q19 and 1Q19 figures are preliminary information in accordance with BOT’s regulations while annual figures from 2017 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)