| Assets |
994,518 |
1,304,045 |
1,362,838 |
1,546,664 |
1,722,940 |
1,857,149 |
| Deposit |
783,822 |
967,950 |
975,492 |
1,100,036 |
1,242,229 |
1.305,687 |
| Loan |
762,505 |
904,008 |
941,145 |
1,076,981 |
1,210,834 |
1,220,068 |
| Interest Income |
55,516 |
60,130 |
n.a. |
62,271 |
83,692 |
22,974 |
| Interest Expense |
18,085 |
17,694 |
n.a. |
15,527 |
27,201 |
8,055 |
| Non Interest Income |
18,897 |
22,590 |
21,683 |
28,400 |
34,017 |
9,851 |
| Non Interest Expense (Other operating expenses) |
29,029 |
35,060 |
31,338** |
38,003** |
43,019** |
10,260** |
| EBPT |
27,299 |
29,966 |
30,202 |
37,141 |
47,489 |
14,509 |
| Net Profit |
15,005 |
15,333 |
14,733 |
20,047 |
24,226*** |
8,988 |
| ROA |
1.55 |
1.33 |
1.10 |
1.38 |
1.48*** |
2.01 |
|
ROA
(Excluding companies in MTGH group) |
1.55 |
1.33 |
n.a. |
n.a. |
n.a. |
n.a. |
| ROE |
15.9 |
14.4 |
12.8 |
15.7 |
16.7*** |
22.43 |
|
ROE
(Excluding companies in MTGH group) |
15.9 |
14.4 |
n.a. |
n.a. |
n.a. |
n.a. |
| NIM |
4.1 |
4.0 |
3.2 |
3.5 |
3.8 |
3.6 |
|
NIM
(Excluding companies in MTGH group) |
4.1 |
4.0 |
n.a. |
n.a. |
n.a. |
n.a. |
| Efficiency Ratio |
51.5 |
53.9 |
50.9 |
50.6 |
47.5 |
41.42 |
| Efficiency Ratio
(Excluding companies in MTGH group) |
51.5 |
53.9 |
n.a. |
n.a. |
n.a. |
n.a. |
| NPL gross (Bt mn) |
34,980 |
33,686 |
37,152 |
33,175 |
31,736 |
31,081 |
| NPL net (Bt mn) |
17,600 |
15,712 |
18,473 |
16,022 |
14,698 |
14,202 |
| Reserve (Bt mn) |
25,852 |
29,772 |
34,045 |
36,832 |
40,343 |
41,583 |
| NPL gross/Loan (%) |
4.5 |
3.1 |
3.8 |
2.9 |
2.5 |
2.4 |
| NPL net/Loan (%) |
2.3 |
1.5 |
1.9 |
1.4 |
1.2 |
1.1 |
| Reserve/NPL gross (%) |
73.9 |
88.4 |
91.6 |
111.0 |
127.1 |
133.8 |
| CAR |
14.6 |
15.1 |
15.2 |
14.0 |
13.8 |
15.5 |
| Tier 1 |
10.7 |
9.8 |
10.3 |
9.4 |
9.6 |
9.6 |
Note: - The 31 December 2009 consolidated balance sheet included all items of assets and liabilities of MTGH Group. The consolidated statement of income
included 1 month operating result of MTGH Group for the period ended 31 December 2009
- Companies in MTGH group consist of Muang Thai Group Holding Co., Ltd. (MTGH), Muang Thai Life Assurance Co., Ltd. (MTL) and
Muang Thai Broker Co., Ltd. (MTB)
* Based on new financial statement presentation
** Other operating expenses
*** Including the effect from the recognized item of deferred tax in the income statement in the fourth quarter of 2011 in line with
International Accounting Standards. However, this is an one-time impact. Since this is the accounting item adjustment,
it is not involved with the actual tax payment to the Revenue Department. The Bank and subsidiaries’ business undertaking,
profitability and capital fund have not been affected.
**** If include 2H11 and 1Q12 profit, CAR = 17.01% and Tier I = 11.14%