|
Key Financial Position and Statement of Comprehensive Income
(Million Baht)
|
Y 2020
|
Y 2021
|
1H22
|
|
Total assets
|
3,822,960
|
4,333,281
|
4,356,018
|
|
Loan
|
2,368,238
|
2,588,339
|
2,652,872
|
|
Deposit
|
2,810,863
|
3,156,940
|
3,147,149
|
|
Non-performing loan (Gross NPL)/1
|
104,401
|
101,103
|
105,046
|
|
Net interest income
|
77,046
|
82,156
|
45,273
|
|
Non-interest income
|
41,682
|
52,385
|
20,029
|
|
Operating expenses
|
65,974
|
67,266
|
32,941
|
|
Expected credit loss
|
31,196
|
34,134
|
14,843
|
|
Net profit/2
|
17,181
|
26,507
|
14,079
|
|
Total comprehensive income/2
|
30,056
|
50,394
|
6,578
|
|
Key Financial Ratio (%)
|
Y 2020
|
Y 2021
|
1H22
|
|
Loan to deposit ratio
|
84.3
|
82.0
|
84.3
|
|
Gross NPL to total loans ratio/1
|
3.9
|
3.2
|
3.4
|
|
Allowance for expected credit loss to NPL ratio/1
|
186.8
|
225.8
|
232.5
|
|
Total capital adequacy ratio (Basel III)/3
|
18.3
|
19.6
|
18.9
|
|
Tier 1 capital to risk-weighted assets (Basel III)/3
|
15.7
|
16.0
|
15.4
|
|
Common equity tier 1 capital to risk-weighted assets (Basel III)/3
|
14.9
|
15.2
|
14.6
|
|
Return on average assets (ROA)/2
|
0.48
|
0.65
|
0.65
|
|
Return on average equity (ROE)/2
|
3.96
|
5.62
|
5.74
|
|
Net interest margin (NIM)
|
2.24
|
2.10
|
2.18
|
|
Net fees and service income to operating income
|
20.8
|
21.7
|
21.0
|
|
Cost to income ratio
|
55.6
|
50.0
|
50.4
|
|
Other Information
|
Y 2020
|
Y 2021
|
1H22
|
|
Number of staff/4
|
24,359
|
22,692
|
21,514
|
|
Number of domestic branches
|
1,128
|
1,059
|
967
|
|
Number of ATM machines
|
9,050
|
8,675
|
8,380
|
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
