Financial Information

ศักยภาพแห่งการใช้จ่ายอย่างมั่นใจ
Financial Highlight


Summary Financial Data

Summary Financial Data Consolidated Financial Statement
FY17 FY16 FY15 FY14 FY13
Loans(1) 1,938.1 1,904.1 2,027.4 1,953.0 1,711.1
NPLs (Gross) 103.0 91.1 76.4 57.5 56.5
NPLs (Net) 42.5 40.8 40.6 30.8 32.2
Total Assets 2,864.4 2,689.4 2,815.3 2,789.1 2,506.8
Deposits 2,070.9 1,972.4 2,135.5 2,151.3 1,883.8
Total Liabilities 2,570.1 2,410.3 2,565.0 2,553.3 2,300.7
Shareholders'equity (attributable to equity holders of the bank) 287.9 274.2 245.9 232.1 206.1
Tier1 Capital Fund(2) 256.4 243.3 225.1 209.5 190.4
Total Capital Fund(2) 329.3 316.3 299.6 284.9 276.7
Interest Income 122.5 129.2 132.5 128.2 111.4
Interest Expense 36.7 42.3 51.7 51.1 46.9
Interest Income, Net 85.8 87.0 80.9 77.2 64.5
Fee and Service Income 28.6 25.9 24.2 21.0 17.4
Fee and Service Expenses 4.6 3.9 2.9 2.4 1.7
Fee and Service Income, Net 24.0 22.0 21.3 18.6 15.7
Total Operating Income 123.2 124.7 116.6 108.1 94.3
Total Operating Expenses 49.4 50.6 50.9 48.1 39.6
Bad debt, doubtful accounts and Loss on Impairment 44.8 33.4 30.5 18.6 12.3
Income Tax Expense 4.8 7.1 5.6 7.2 7.9
Net Income (attributable to equity holders of the bank) 22.4 32.3 28.5 33.2 34.5

Financial Ratio Consolidated Financial Statement
FY17 FY16 FY15 FY14 FY13
Loan/Asset 67.66 70.80 72.01 70.02 68.26
Loan/Deposit 93.59 96.54 94.94 90.78 90.83
NPL ratio (Gross) 4.19 3.97 3.20 2.41 2.65
NPL ratio (Net) 1.77 1.81 1.73 1.31 1.53
Tier1 Ratio(2) 13.59 12.96 11.43 10.91 10.17
CAR(2) 17.45 16.85 15.22 14.85 14.79
ROA(3) 1.08 1.17 1.02 1.24 1.45
ROE(4) 10.50 12.42 11.92 15.15 17.75
EPS (Bt) 1.61 2.31 2.04 2.37 2.47
BVPS (Bt) (equity holders of the bank) 20.59 19.61 17.59 16.87 14.75

(1) Loans less deferred revenue
(2) The Bank’s Financial Statements
(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)