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Annual Reports

Annual Report 2020

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Sustainability Report 2020

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Download Annual Report 2020 in each category in PDF format
Who We Are Creating Value Together Our Focus Financial Performance Indicators (Consolidated) Sustainability Initiatives Message from the Chairman, the Executive Chairman and the President Executive Summary Management Discussion and Analysis Ten-Year Statistical Summary (Consolidated) Awards 2020 Risk Factors and Risk Management Corporate Governance Organization Chart Board of Directors Board of Directors and Top Executives Report of the Nomination and Remuneration Committee Report of the Risk Oversight Committee Report of the Audit Committee Report of the Corporate Governance Committee Appropriation of Profit for the Year 2020 Report on the Board of Directors’ Responsibilities for the Financial Statements Report of the Independent Certified Public Accountants Financial Statements Notes to the Financial Statements General Information List of Branches

Annual Report 2019

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Sustainability Report 2019

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Annual Report 2018

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Sustainability Report 2018

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Annual Report 2017

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CSR Report 2017

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Annual Report 2016

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CSR Report 2016

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Annual Report 2015

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CSR Report 2015

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Annual Report 2014

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CSR Report 2014

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Annual Report 2013

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Annual Report 2012

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Annual Report 2011

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Financial Information

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
Year 2021

Financial Statements

Assets and Liabilities (C.B. 1.1)
- February January
Year 2020

Financial Statements

Assets and Liabilities (C.B. 1.1)

4th Quarter (Audited)

Financial Statements Management Discussion and Analysis

4th Quarter (Unaudited)

Financial Statements Financial Results

3rd Quarter (Reviewed)

Financial Statements Management Discussion and Analysis

3rd Quarter (Unreviewed)

Financial Statements Financial Results

2nd Quarter (Audited)

Financial Statements Management Discussion and Analysis

2nd Quarter (Unaudited)

Financial Statements Financial Results

1st Quarter (Reviewed)

Financial Statements Management Discussion and Analysis

1st Quarter (Unreviewed)

Financial Statements Financial Results 		December November October September August July June May April March February January
Year 2019

Financial Statements

 

Summary Statement of Assets and Liabilities
(C.B. 1.1)

4th Quarter (Audited)

Financial Statements Management Discussion and Analysis

4th Quarter (Unaudited)

Financial Statements Financial Results

3rd Quarter (Reviewed)

Financial Statements Management Discussion and Analysis

3rd Quarter (Unreviewed)

Financial Statements Financial Results

2nd Quarter (Audited)

Financial Statements Management Discussion and Analysis

2nd Quarter (Unaudited)

Financial Statements Financial Results

1st Quarter (Reviewed)

Financial Statements Management Discussion and Analysis

1st Quarter (Unreviewed)

Financial Statements Financial Results 		December November October September August July June May April March February January
Year 2018

Financial Statements

 

Summary Statement of Assets and Liabilities (C.B. 1.1)

4th Quarter (Audited)

Financial Statements Management Discussion and Analysis

4th Quarter (Unaudited)

Financial Statements Financial Results

3rd Quarter (Reviewed)

Financial Statements Management Discussion and Analysis

3rd Quarter (Unreviewed)

Financial Statements Financial Results

2nd Quarter (Audited)

Financial Statements Management Discussion and Analysis

2nd Quarter (Unaudited)

Financial Statements Financial Results

1st Quarter (Reviewed)

Financial Statements Management Discussion and Analysis

1st Quarter (Unreviewed)

Financial Statements Financial Results 		December November October September August July June May April March February January
Year 2017

Financial Statements

 

Summary Statement of Assets and Liabilities (C.B. 1.1)

4th Quarter (Audited)

Financial Statements Management Discussion and Analysis

4th Quarter (Unaudited)

Financial Statements Financial Results

3rd Quarter (Reviewed)

Financial Statements Management Discussion and Analysis

3rd Quarter (Unreviewed)

Financial Statements Financial Results

2nd Quarter (Audited)

Financial Statements Management Discussion and Analysis

2nd Quarter (Unaudited)

Financial Statements Financial Results

1st Quarter (Reviewed)

Financial Statements Management Discussion and Analysis

1st Quarter (Unreviewed)

Financial Statements Financial Results 		December November October September August July June May April March February January

Form 56-1 (Available in Thai only)

 

Year 2020
Year 2019
Year 2018
Year 2017
Year 2016
Year 2015
Year 2014
Year 2013
Year 2012
Year 2011
Year 2010
Year 2009
Year 2008
Year 2007

Basel III Pillar 3 Disclosures

June 2020 December 2019 June 2019 December 2018 June 2018 December 2017 June 2017 December 2016 June 2016 December 2015 June 2015 December 2014 June 2014 December 2013 June 2013

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