| Item (Consolidate) | 1Q25
| 2024r*
| 2023 | 2022
|
2021
| 2020 |
|---|
| Statements of Financial Position & Statements of Profit or Loss and Other Comprehensive Income (Bt mn) : |
|---|
| Assets | 4,355,212
| 4,340,954
|
4,283,556
|
4,246,369
|
4,103,399
|
3,658,798 |
|---|
| Deposit | 2,722,146
| 2,718,675
|
2,699,562 |
2,748,685
|
2,598,630
|
2,344,998 |
|---|
| Loan | 2,433,275 | 2,483,695
|
2,490,398 |
2,495,077 |
2,421,813 |
2,244,821 |
|---|
| Interest Income | 44,963 |
n.a.
|
183,608 |
151,333 |
135,415
|
127,592 |
|---|
| Interest Expense | 9,537 | n.a.
|
35,164
|
18,334 |
16,024 |
18,570 |
|---|
| Non Interest Income | 13,677
| 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 |
|---|
| EBPT | 29,051
| 113,993 |
107,685 |
98,505
|
92,305
|
84,895 |
|---|
| Net Profit | 13,791
| 49,603
|
42,405 |
35,769 |
38,053 |
29,487 |
|---|
| Performance Ratio (%): |
|---|
| ROA | 1.27
|
1.15
|
0.99 |
0.86 |
0.98 |
0.85 |
|---|
| ROE | 9.58 | 9.13
|
8.29 |
7.38
|
8.44 |
7.10 |
|---|
| NIM | 3.41 | 3.60
|
3.66 |
3.33
|
3.21 |
3.27 |
|---|
| Efficiency Ratio | 40.84 | 42.50
|
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** (%): |
|---|
| CAR | 20.5
|
20.4 |
19.4 |
18.8 |
18.8 |
18.8 |
|---|
| Tier 1 | 18.6 |
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