Key Financial Position and Statement of Comprehensive Income (Million Baht)
|
|
Y 2018
|
Y 2019
|
Y 2020
|
Total assets
|
3,116,750
|
3,216,743
|
3,822,960
|
Loan
|
2,083,160
|
2,061,309
|
2,368,238
|
Deposit
|
2,326,470
|
2,370,792
|
2,810,863
|
Non-performing loan (Gross NPL)/1
|
80,137
|
79,149
|
104,401
|
Net interest income
|
71,376
|
71,071
|
77,046
|
Non-interest income
|
50,025
|
62,675
|
41,682
|
Operating expenses
|
55,165
|
54,963
|
65,974
|
Expected credit loss
|
-
|
-
|
31,196
|
Impairment loss of loans and debt securities
|
21,965
|
32,351
|
-
|
Net profit/2
|
35,330
|
35,816
|
17,181
|
Total comprehensive income (losses)/2
|
23,157
|
27,029
|
30,056
|
|
|
|
|
Key Financial Ratio (%)
|
|
|
|
|
Y 2018
|
Y 2019
|
Y 2020
|
Loan to deposit ratio
|
89.5
|
86.9
|
84.3
|
Gross NPL to total loans ratio/1
|
3.4
|
3.4
|
3.9
|
Allowance for expected credit loss to NPL ratio/1
|
190.9
|
220.2
|
186.8
|
Total capital adequacy ratio (Basel III)/3
|
18.0
|
20.0
|
18.3
|
Tier 1 capital to risk-weighted assets (Basel III)/3
|
16.4
|
17.0
|
15.7
|
Common equity tier 1 capital to risk-weighted assets (Basel III)/3
|
16.4
|
17.0
|
14.9
|
Return on average assets (ROA)/2
|
1.13
|
1.13
|
0.48
|
Return on average equity (ROE)/2
|
8.73
|
8.45
|
3.96
|
Net interest margin (NIM)
|
2.40
|
2.35
|
2.24
|
Net fees and service income to operating income
|
22.7
|
21.3
|
20.8
|
Expense to operating income
|
45.4
|
41.1
|
55.6
|
|
|
|
|
Other Information
|
|
|
|
|
Y 2018
|
Y 2019
|
Y 2020
|
Number of staff/4
|
25,287
|
25,043
|
24,359
|
Number of domestic branches
|
1,161
|
1,148
|
1,128
|
Number of ATM machines
|
9,389
|
9,362
|
9,050
|
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