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Financial Highlights

   
As at and for the year ended 31 December Consolidated
  2016 2015 2014 2013 2012
Operating Performance (Million Baht)          
Interest Income 45,208 48,640 52,940 54,108 49,081
Interest Expenses 16,740 20,910 25,475 27,615 25,786
Net Interest Income 28,468 27,730 27,465 26,493 23,295
Non-interest Income 12,279 12,164 12,443 26,488 12,487
Net Operating Income (1) 40,747 39,894 39,908 52,981 35,782
Other Operating Expenses 21,073 20,009 19,830 20,624 21,896
Impairment Loss of Loans and Debt Securities 6,210 8,600 7,084 11,419 2,900
Profit before Income Tax 13,464 11,285 12,994 20,938 10,986
Income Tax 853 225 2,558 4,288 2,360
Profit for the Year from Continuing Operations 12,611 11,060 10,436 16,650 8,626
Profit for the Year from Discontiued Operations - - - 354 1,212
Profit for the Year 12,611 11,060 10,436 17,004 9,838
Net Profit of the Company 6,013 5,436 5,120 9,231 5,509
Non-controlling Interest 6,598 5,624 5,316 7,773 4,329
Operating Performance Ratio (Percent)          
Return on Average Assets (ROAA) 1.29 1.12 1.02 1.65 1.05
Return on Average Equity (2) (ROAE) 10.89 10.48 10.39 20.36 13.37
Interest Spread (3) 2.86 2.70 2.55 2.54 2.51
Credit Cost 0.86 1.12 0.89 1.36 0.36
Cost to Income Ratio (4) 51.72 50.15 49.69 38.67 59.19
Financial Position (Million Baht)          
Loans 692,046 714,628 755,656 791,174 755,330
Non-performing Loans (NPLs) 17,289 22,581 33,768 37,540 34,307
Total Assets 966,867 997,581 1,025,630 1,050,914 1,026,679
Deposits 676,456 669,454 696,949 715,931 693,421
Total Liabilities 847,016 886,258 921,354 955,474 941,445
Total Equity 119,851 111,323 104,276 95,440 85,234
Equity Attributable to Owners of the Company 56,891 52,674 51,353 47,369 43,586
Financial Position Quality (Percent)          
Loans to Deposits Ratio 102.30 106.75 108.42 110.51 108.93
NPL-gross to Total Loans 2.41 2.96 4.21 4.49 4.32
NPL-net to Total Loans 1.12 1.30 2.06 2.30 2.17
Coverage Ratio (5) 146.79 117.16 84.89 82.61 73.19
Reserve to Required Reserve (6) 189.19 157.71 132.64 127.36 124.12
Capital Adequacy (Consolidated Supervision of the BOT)          
Tier I Capital Ratio (Percent) 11.30 10.29 9.37 9.07 7.50
Total Capital Ratio (Percent) 15.59 14.71 13.59 14.31 12.07
Risk Weighted Assets (Million Baht) 771,056 763,285 809,876 780,045 750,120
Common Share Information          
Information per Share (Baht)          
Basic Earnings per Share 5.16 4.61 4.24 7.49 4.31
Book Value 48.83 45.21 42.56 39.26 34.11
Dividends (7) 0.80 1.80 1.60 1.60 1.40
Common Shares Outstanding (Million Share)          
Average-Basic 1,165 1,179 1,206 1,232 1,278
End of Year 1,165 1,165 1,206 1,206 1,278
Share Price (8) (Baht)          
High 44.75 37.00 38.75 50.25 41.75
Low 33.00 28.25 30.00 29.75 24.60
Closing 44.00 36.50 31.75 32.25 37.75
Market Capitalization (Million Baht) 51,266 42,527 38,306 38,909 48,238
Other Information          
Employees 14,763 14,905 14,971 15,427 15,840