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Financial Highlights

   
As at and for the year ended 31 December Consolidated
  2015 2014 2013 2012 2011
Operating Performance (Million Baht)          
Interest Income 48,640 52,940 54,108 49,081 44,258
Interest Expenses 20,910 25,475 27,615 25,786 19,943
Net Interest Income 27,730 27,465 26,493 23,295 24,315
Non-interest Income 12,474 12,443 26,488 12,487 10,610
Net Operating Income (1) 40,204 39,908 52,981 35,782 34,925
Other Operating Expenses 20,319 19,830 20,624 21,896 20,940
Impairment Loss of Loans and Debt Securities 8,600 7,084 11,419 2,900 2,077
Profit before Income Tax 11,285 12,994 20,938 10,986 11,908
Income Tax 225 2,558 4,288 2,360 3,136
Profit for the Year from Continuing Operations 11,060 10,436 16,650 8,626 8,772
Profit for the Year from Discontiued Operations - - 354 1,212 -
Profit for the Year 11,060 10,436 17,004 9,838 8,772
Net Profit of the Company 5,436 5,120 9,231 5,509 5,002
Non-controlling Interest 5,624 5,316 7,773 4,329 3,770
Operating Performance Ratio (Percent)          
Return on Average Assets (ROAA) 1.12 1.02 1.65 1.05 1.00
Return on Average Equity (2) (ROAE) 10.48 10.39 20.36 13.37 13.64
Interest Spread (3) 2.70 2.55 2.54 2.51 2.76
Credit Cost 1.12 0.89 1.36 0.36 0.31
Cost to Income Ratio (4) 50.54 49.69 38.67 59.19 59.96
Financial Position (Million Baht)          
Loans 714,628 755,656 791,174 755,330 637,104
Non-performing Loans (NPLs) 22,581 33,800 37,540 34,307 40,188
Total Assets 997,581 1,025,630 1,050,914 1,026,679 897,962
Deposits and Debts Issued and Borrowings 754,383 795,367 825,221 782,927 698,518
Total Liabilities 886,258 921,354 955,474 941,445 820,751
Total Equity 111,323 104,276 95,440 85,234 77,211
Equity Attributable to the Company 52,674 51,353 47,369 43,586 39,130
Financial Position Quality (Percent)          
Loans to Deposits and Debts Issued and Borrowings Ratio 94.73 95.01 95.87 96.48 91.21
NPL-gross to Total Loans 2.96 4.21 4.49 4.32 5.94
NPL-net to Total Loans 1.30 2.06 2.30 2.17 2.84
Coverage Ratio (5) 117.16 84.89 82.61 73.19 68.38
Reserve to Required Reserve (6) 157.71 132.64 127.36 124.12 107.01
Capital Adequacy (Consolidated Supervision of the Bank of Thailand)          
Tier I Capital Ratio (Percent) 10.29 9.37 9.07 7.50 8.48
Total Capital Ratio (Percent) 14.71 13.59 14.31 12.07 12.53
Risk Weighted Assets (Million Baht) 763,285 809,876 780,045 750,120 679,718
Common Share Information          
Information per Share (Baht)          
Basic Earnings per Share 4.61 4.24 7.49 4.31 3.91
Book Value 45.21 42.56 39.26 34.11 30.62
Dividends (7) 0.70 1.60 1.60 1.40 1.20
Common Shares Outstanding (Million Share)          
Average-Basic 1,179 1,206 1,232 1,278 1,278
End of Year 1,165 1,206 1,206 1,278 1,278
Share Price (8) (Baht)          
High 37.00 38.75 50.25 41.75 38.00
Low 28.25 30.00 29.75 24.60 23.50
Closing 36.50 31.75 32.25 37.75 26.75
Market Capitalization (Million Baht) 42,527 38,306 38,909 48,238 34,182
Other Information          
Employees 14,905 14,971 15,427 15,840 16,380