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Financial Highlights

   
As at and for the year ended 31 December Consolidated
  2017 2016 2015 2014 2013
Operating Performance (Million Baht)          
Interest Income 44,681 45,208 48,640 52,940 54,108
Interest Expenses 15,511 16,740 20,910 25,475 27,615
Net Interest Income 29,170 28,468 27,730 27,465 26,493
Non-interest Income 13,402 12,279 12,164 12,443 26,488
Net Operating Income (1) 42,572 40,747 39,894 39,908 52,981
Other Operating Expenses 20,836 21,073 20,009 19,830 20,624
Impairment Loss of Loans and Debt Securities 6,236 6,210 8,600 7,084 11,419
Profit before Income Tax 15,500 13,464 11,285 12,994 20,938
Income Tax 1,159 853 225 2,558 4,288
Profit for the Year from Continuing Operations 14,341 12,611 11,060 10,436 16,650
Profit for the Year from Discontiued Operations - - - - 354
Profit for the Year 14,341 12,611 11,060 10,436 17,004
Net Profit of the Company 7,001 6,013 5,436 5,120 9,231
Non-controlling Interest 7,340 6,598 5,624 5,316 7,773
Operating Performance Ratio (Percent)          
Return on Average Assets (ROAA) 1.45 1.29 1.12 1.02 1.65
Return on Average Equity (2) (ROAE) 11.80 10.89 10.48 10.39 20.36
Interest Spread (3) 2.90 2.86 2.70 2.55 2.54
Credit Cost 0.79 0.86 1.12 0.89 1.36
Cost to Income Ratio (4) 48.94 51.72 50.15 49.69 38.67
Financial Position (Million Baht)          
Loans 712,761 692,046 714,628 755,656 791,174
Non-performing Loans (NPLs) 18,894 17,289 22,581 33,768 37,540
Total Assets 1,025,525 966,867 997,581 1,025,630 1,050,914
Deposits 716,091 676,456 669,454 696,949 715,931
Total Liabilities 895,455 847,016 886,258 921,354 955,474
Total Equity 130,070 119,851 111,323 104,276 95,440
Equity Attributable to Owners of the Company 62,020 56,891 52,674 51,353 47,369
Financial Position Quality (Percent)          
Loans to Deposits Ratio 99.53 102.30 106.75 108.42 110.51
NPL-gross to Total Loans 2.40 2.41 2.96 4.21 4.49
NPL-net to Total Loans 1.23 1.12 1.30 2.06 2.30
Coverage Ratio (5) 131.06 146.79 117.16 84.89 82.61
Reserve to Required Reserve (6) 170.48 189.19 157.71 132.64 127.36
Capital Adequacy (Consolidated Supervision of the BOT)          
Tier I Capital Ratio (Percent) 12.62 11.30 10.29 9.37 9.07
Total Capital Ratio (Percent) 15.33 15.59 14.71 13.59 14.31
Risk Weighted Assets (Million Baht) 757,218 771,056 763,285 809,876 780,045
Common Share Information          
Information per Share (Baht)          
Basic Earnings per Share 6.01 5.16 4.61 4.24 7.49
Book Value 53.23 48.83 45.21 42.56 39.26
Dividends (7) 0.90 2.00 1.80 1.60 1.60
Common Shares Outstanding (Million Share)          
Average-Basic 1,165 1,165 1,179 1,206 1,232
End of Year 1,165 1,165 1,165 1,206 1,206
Share Price (8) (Baht)          
High 58.00 44.75 37.00 38.75 50.25
Low 43.75 33.00 28.25 30.00 29.75
Close 56.25 44.00 36.50 31.75 32.25
Market Capitalization (Million Baht) 65,539 51,266 42,527 38,306 38,909
Other Information          
Employees 13,885 14,763 14,905 14,971 15,427