|
Key Financial Position and Statement of Comprehensive Income (Million Baht)
|
Y 2021
|
Y 2022
|
1H23 |
|
Total assets
|
4,333,281
|
4,421,752
|
4,485,624 |
|
Loan
|
2,588,339
|
2,682,691
|
2,698,304 |
|
Deposit
|
3,156,940
|
3,210,896
|
3,200,155 |
|
Non-performing loan (Gross NPL)/1
|
101,103
|
97,188
|
93,285 |
|
Net interest income
|
82,156
|
102,223
|
61,565 |
|
Non-interest income
|
52,385
|
36,672
|
21,172 |
|
Operating expenses
|
67,266
|
69,019
|
38,961 |
|
Expected credit loss
|
34,134
|
32,647
|
17,354 |
|
Net profit/2
|
26,507
|
29,306
|
21,423 |
|
Total comprehensive income/2
|
50,394
|
20,251
|
20,993 |
|
Key Financial Ratio (%)
|
Y 2021
|
Y 2022
|
1H23 |
|
Loan to deposit ratio
|
82.0
|
83.5
|
84.3 |
|
Gross NPL to total loans ratio/1
|
3.2
|
3.1
|
2.9 |
|
Allowance for expected credit loss to NPL ratio/1
|
225.8
|
260.8
|
287.1 |
|
Total capital adequacy ratio (Basel III)/3
|
19.6
|
19.1
|
19.1 |
|
Tier 1 capital to risk-weighted assets (Basel III)/3
|
16.0
|
15.7
|
15.7 |
|
Common equity tier 1 capital to risk-weighted assets (Basel III)/3
|
15.2
|
14.9
|
14.9 |
|
Return on average assets (ROA)/2
|
0.65
|
0.67
|
0.97 |
|
Return on average equity (ROE)/2
|
5.62
|
5.86
|
8.41 |
|
Net interest margin (NIM)
|
2.10
|
2.42
|
2.88 |
|
Net fees and service income to operating income
|
21.7
|
19.8
|
16.6 |
|
Cost to income ratio
|
50.0
|
49.7
|
47.1 |
|
Other Information
|
Y 2021
|
Y 2022
|
1H23 |
|
Number of staff/4
|
22,692
|
21,294
|
20,749 |
|
Number of domestic branches
|
1,059
|
891
|
881 |
|
Number of ATM machines
|
8,675
|
7,957
|
7,676 |
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
