Form 56-1 One Report / Annual Report and Sustainability Report
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Form 56-1 One Report 2025
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Sustainability Report 2025
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Form 56-1 One Report 2024
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Sustainability Report 2024
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#newtabFull Report (Download)
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Form 56-1 One Report 2023
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Sustainability Report 2023
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Form 56-1 One Report 2022
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Form 56-1 One Report 2021
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*Form 56-1 One Report is available from 2021 onwards.
Financial Information
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61.7%, 12.7%, 12.7%, 12.7%
| Key Financial Position and Statement of Comprehensive Income (Million Baht) | Y 2024 | Y 2025 | 9M26 |
| Total assets | 4,551,379 | 4,606,342 | 4,681,447 |
| Loan | 2,693,301 | 2,608,286 | 4,726,476 |
| Deposit | 3,169,654 | 3,196,284 | 2,692,861 |
| Non-performing loan (Gross NPL)/1 | 85,833 | 94,664 | 3,221,930 |
| Net interest income | 133,900 | 123,630 | 102,850 |
| Non-interest income | 41,911 | 54,868 | 84,785 |
| Operating expenses | 84,405 | 86,363 | 37,025 |
| Expected credit loss | 34,838 | 36,147 | 58,717 |
| Net profit/2 | 45,211 | 46,007 | 25,444 |
| Total comprehensive income/2 | 39,425 | 35,264 | 29,981 |
| Key Financial Ratio (%) | Y 2024 | Y 2025 | 9M26 |
| Loan to deposit ratio | 85.0 | 81.6 | 83.6 |
| Gross NPL to total loans ratio/1 | 2.7 | 3.0 | 3.2 |
| Allowance for expected credit loss to NPL ratio/1 | 334.3 | 324.1 | 322.1 |
| Total capital adequacy ratio (Basel III)/3 | 20.4 | 21.8 | 21.5 |
| Tier 1 capital to risk-weighted assets (Basel III)/3 | 17.0 | 17.2 | 17.1 |
| Common equity tier 1 capital to risk-weighted assets (Basel III)/3 | 16.2 | 17.2 | 17.1 |
| Return on average assets (ROA)/2 | 1.00 | 1.00 | 0.86 |
| Return on average equity (ROE)/2 | 8.27 | 8.07 | 6.91 |
| Net interest margin (NIM) | 3.06 | 2.75 | 2.47 |
| Net fees and service income to operating income | 15.8 | 15.2 | 17.0 |
| Cost to income ratio | 48.0 | 48.4 | 48.2 |
| Other Information | Y 2024 | Y 2025 | 9M26 |
| Number of staff/4 | 21,135 | 21,157 | 20,501 |
| Number of domestic branches | 791 | 722 | 679 |
| Number of ATM machines | 6,946 | 6,610 | 6,303 |
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
Form 56-1 (Available in Thai only)
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Basel III Pillar 3 Disclosures
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