Key Financial Position and Statement of Comprehensive Income (Million Baht)
|
Y 2023
|
Y 2024
|
1H25
|
Total assets
|
4,514,484
|
4,551,379
|
4,609,753
|
Loan
|
2,671,964
|
2,693,301
|
2,712,930
|
Deposit
|
3,184,283
|
3,169,654
|
3,195,939
|
Non-performing loan (Gross NPL)/1
|
85,955
|
85,833
|
105,521
|
Net interest income
|
130,860
|
133,900
|
63,614
|
Non-interest income
|
36,627
|
41,911
|
26,460
|
Operating expenses
|
81,775
|
84,405
|
40,845
|
Expected credit loss
|
33,666
|
34,838
|
19,807
|
Net profit/2
|
41,636
|
45,211
|
24,458
|
Total comprehensive income/2
|
33,172
|
39,425
|
30,562
|
Key Financial Ratio (%)
|
Y 2023
|
Y 2024
|
1H25
|
Loan to deposit ratio
|
83.9
|
85.0
|
84.9
|
Gross NPL to total loans ratio/1
|
2.7
|
2.7
|
3.2
|
Allowance for expected credit loss to NPL ratio/1
|
314.7
|
334.3
|
283.6
|
Total capital adequacy ratio (Basel III)/3
|
19.6
|
20.4
|
22.0
|
Tier 1 capital to risk-weighted assets (Basel III)/3
|
16.1
|
17.0
|
17.5
|
Common equity tier 1 capital to risk-weighted assets (Basel III)/3
|
15.4
|
16.2
|
16.7
|
Return on average assets (ROA)/2
|
0.93
|
1.00
|
1.07
|
Return on average equity (ROE)/2
|
8.01
|
8.27
|
8.75
|
Net interest margin (NIM)
|
3.02
|
3.06
|
2.85
|
Net fees and service income to operating income
|
16.3
|
15.8
|
15.2
|
Cost to income ratio
|
48.8
|
48.0
|
45.3
|
Other Information
|
Y 2023
|
Y 2024
|
1H25
|
Number of staff/4
|
20,917
|
21,135
|
20,946
|
Number of domestic branches
|
847
|
791
|
768
|
Number of ATM machines
|
7,263
|
6,946
|
6,861
|
Consolidated
/1 Including interbank and money market lending
/2 Attributable to owners of the Bank
/3 As defined by the Bank of Thailand
/4 Excluding PT Bank Permata Tbk