Financial Highlights




Item (Consolidate)​1Q25
2024r*
20232022

2021

2020
Statements of Financial Position & Statements of Profit or Loss and Other Comprehensive Income (Bt mn) :
Assets4,355,212
4,340,954
4,283,556
4,246,369
4,103,399
3,658,798
Deposit2,722,146
2,718,675
2,699,562 2,748,685
2,598,630
2,344,998
Loan2,433,2752,483,695
2,490,398 2,495,077 2,421,813 2,244,821
Interest Income44,963 n.a.
183,608 151,333 135,415
127,592
Interest Expense9,537n.a.
35,164
18,334 16,024 18,570
Non Interest Income13,677
50,239 
44,209 40,259 43,958 45,869
Other operating expenses (Non Interest Expense)20,052
84,250
84,968 74,753
71,044 69,997
EBPT29,051​
113,993 107,685 98,505
92,305
84,895
Net Profit13,791
49,603 
42,405 35,769 38,053 29,487
Performance Ratio (%):
ROA1.27
1.15
0.99 0.86 0.98 0.85
ROE9.589.13
8.29 7.38
8.44 7.10
NIM3.413.60
3.66 3.33
3.21 3.27
Efficiency Ratio40.8442.50
44.10 43.15 43.49 45.19
Asset Quality:
NPL gross (Bt mn)91,241
93,009
94,241 92,536 104,036
101,007
NPL gross to Total Loans (%)3.2
3.2
3.2
3.2 3.8 3.9
Coverage Ratio (%)159.5 152.3
152.2 154.3 159.1
149.2
Capital** (%):
CAR20.5
20.4 19.4 18.8 18.8 18.8
Tier 118.6 18.4
17.4 16.8 16.5 16.1

Note :

* The consolidated financial statements included the financial statements of the subsidiary that has adopted the TFRS 17 on insurance contracts, restated retrospectively for comparative purposes. The financial statements of the subsidiary for the first quarter of 2024 have been reviewed by the subsidiaries’ auditor, the other quarters are currently under review.


** The Bank and its subsidiaries have adopted new accounting standards (TFRS 9: Financial Instruments) since January 1, 2020 onwards, some financial statements and financial ratios are not comparable with previous years’ financial figures



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