| Operating Results (Million Baht) |
|
|
|
|
|
| Interest income |
44,419 |
35,027 |
22,112 |
21,413 |
18,799 |
| Interest expenses |
20,104 |
11,998 |
6,892 |
9,506 |
9,707 |
| Net interest income |
24,315 |
23,029 |
15,220 |
11,907 |
9,092 |
| Non-interest income |
11,430 |
10,879 |
22,310 |
11,907 |
10,646 |
| Net operating income(1) |
35,745 |
33,908 |
37,530 |
23,814 |
19,738 |
| Other operating expenses |
21,760 |
17,109 |
24,517 |
15,878 |
12,813 |
| Impairment loss of loans and debt securities |
2,077 |
1,653 |
2,849 |
3,594 |
2,051 |
| Net profit(2) |
5,002 |
5,639 |
5,109 |
2,768 |
2,818 |
| Operating Performance Ratio |
|
|
|
|
|
| Basic earnings per share (Baht) |
3.91 |
4.41 |
3.99 |
2.08 |
2.11 |
| Return on average assets (ROAA) (percent) |
1.00 |
1.41 |
1.77 |
0.93 |
1.04 |
| Return on average equity (ROAE) (percent) |
13.66 |
16.46 |
17.27 |
10.49 |
11.55 |
| Interest spread(3) (percent) |
2.76 |
3.15 |
3.62 |
3.15 |
2.82 |
| Cost to income ratio(4) (percent) |
60.88 |
50.46 |
47.94 |
55.90 |
54.67 |
| Balance Sheet Information (Million Baht) |
|
|
|
|
|
| Loans |
637,104 |
609,646 |
289,113 |
278,566 |
238,467 |
| Total assets |
895,157 |
882,757 |
459,965 |
394,090 |
321,256 |
| Deposits and bills of Exchange |
654,089 |
671,916 |
340,799 |
316,382 |
254,014 |
| Total liabilities |
819,476 |
811,038 |
412,558 |
361,729 |
288,994 |
| Equity(2) |
38,259 |
36,092 |
33,323 |
26,592 |
26,208 |
| Balance Sheet Quality |
|
|
|
|
|
| Loans to deposits and bills of Exchange ratio (percent) |
97.40 |
90.73 |
84.83 |
88.05 |
93.88 |
| NPL-gross to total loans (percent) |
5.94 |
6.00 |
3.52 |
3.86 |
4.70 |
| NPL-net to total loans (percent) |
2.84 |
2.71 |
0.95 |
1.24 |
1.79 |
| Coverage ratio (percent) |
67.41 |
69.73 |
86.64 |
81.10 |
74.75 |
| Total allowance to BOT regulation (percent) |
107.74 |
113.14 |
107.36 |
106.81 |
112.84 |
| Non-performing loans (NPLs) (Million Baht) |
40,188 |
39,663 |
12,046 |
12,265 |
11,260 |
| Capital Measures (Consolidated Supervision of the Bank of Thailand) |
|
|
|
|
|
| Tier I capital ratio (percent) |
8.48 |
10.44 |
14.01 |
12.39 |
12.98 |
| Total capital ratio (percent) |
12.53 |
13.08 |
18.00 |
13.93 |
13.32 |
| Risk weighted assets (Million Baht) |
679,705 |
618,584 |
261,467 |
240,353 |
211,178 |
| Common Share In |
|
|
|
|
|
| Share price(5) (Baht) |
|
|
|
|
|
| - High |
38.00 |
42.25 |
23.90 |
18.20 |
18.80 |
| - Low |
23.50 |
18.10 |
6.80 |
4.84 |
10.60 |
| - Closing |
26.00 |
36.00 |
22.10 |
7.05 |
14.60 |
| Market capitalization (Million Baht) |
34,662 |
47,993 |
29,462 |
9,399 |
19,464 |
| Common Shares Outstanding (Million Share) |
|
|
|
|
|
| Average-basic |
1,278 |
1,278 |
1,280 |
1,333 |
1,333 |
| End of period |
1,278 |
1,278 |
1,278 |
1,317 |
1,333 |
| Book value (Baht) |
29.94 |
28.24 |
26.08 |
20.19 |
19.66 |
| Dividends per share(6) (Baht) |
0.50 |
1.20 |
0.95 |
0.90 |
0.90 |
| Other Information |
|
|
|
|
|
| Employees |
16,380 |
16,932 |
9,464 |
9,638 |
7,181 |
