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.

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.

Annual Report 2020

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Sustainability Report 2020

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Financial Information

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
Year 2025

Financial Statements

Assets and Liabilities (C.B. 1.1)

2nd Quarter (Unaudited)

Financial Statements Financial Results

1st Quarter (Reviewed)

Financial Statements Management Discussion and Analysis

1st Quarter (Unreviewed)

Financial Statements Financial Results
June May April March February January

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