Form 56-1 One Report / Annual Report and Sustainability Report

*Form 56-1 One Report is available from 2021 onwards.
*Form 56-1 One Report is available from 2021 onwards.
*Form 56-1 One Report is available from 2021 onwards.

Sustainability Report 2022

Full Report

*Form 56-1 One Report is available from 2021 onwards.

Form 56-1 One Report 2021

Full Report Attachments

Sustainability Report 2021

Full Report

*Form 56-1 One Report is available from 2021 onwards.

Financial Information

Key Financial Position and Statement of Comprehensive Income (Million Baht)

Y 2024

Y 2025

1Q26

Total assets

4,551,379

4,606,342

4,708,950

Loan

2,693,301

2,608,286

2,661,368

Deposit

3,169,654

3,196,284

3,223,560

Non-performing loan (Gross NPL)/1

85,833

94,664

100,223

Net interest income

133,900

123,630

27,976

Non-interest income

41,911

54,868

12,832

Operating expenses

84,405

86,363

18,258

Expected credit loss

34,838

36,147

9,003

Net profit/2

45,211

46,007

10,994

Total comprehensive income/2

39,425

35,264

3,997

Key Financial Ratio (%)

Y 2024

Y 2025

1Q26

Loan to deposit ratio

85.0

81.6

82.6

Gross NPL to total loans ratio/1

2.7

3.0

3.1

Allowance for expected credit loss to NPL ratio/1

334.3

324.1

318.1

Total capital adequacy ratio (Basel III)/3

20.4

21.8

20.9

Tier 1 capital to risk-weighted assets (Basel III)/3

17.0

17.2

16.4

Common equity tier 1 capital to risk-weighted assets (Basel III)/3

16.2

17.2

16.4

Return on average assets (ROA)/2

1.00

1.00

0.96

Return on average equity (ROE)/2

8.27

8.07

7.74

Net interest margin (NIM)

3.06

2.75

2.49

Net fees and service income to operating income

15.8

15.2

17.1

Cost to income ratio

48.0

48.4

44.7

Other Information

Y 2024

Y 2025

1Q26

Number of staff/4

21,135

21,157

20,567

Number of domestic branches

791

722

705

Number of ATM machines

6,946

6,610

6,495



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
Year 2026

Financial Statements

Assets and Liabilities (C.B. 1.1)

1st Quarter (Reviewed)

Financial Statements Management Discussion and Analysis

1st Quarter (Unreviewed)

Financial Statements Financial Results
April March February January 

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