Financial Summary

Click to Icon hide

Financial Position (THB million)	2016	2017	2018	2019	Jun-20 *
Assets	1,883,188	2,088,772	2,173,622	2,359,592	2,509,908
Loans	1,448,882	1,550,404	1,672,018	1,817,877	1,854,738
Deposits	1,108,288	1,319,229	1,426,348	1,566,885	1,698,706
Liabilities	1,674,420	1,862,785	1,929,904	2,087,476	2,229,905
Shareholders' equity	208,768	225,987	243,718	272,116	280,003
Comprehensive Income (THB million) (for year/6 months)
Interest income	85,925	94,998	107,132	110,455	57,089
Interest expense	23,948	26,463	31,804	34,032	14,338
Interest income, net	61,977	68,535	75,328	76,423	42,751
Fees and service income	24,142	26,341	28,999	29,652	12,105
Fees and service expenses	5,967	6,666	7,751	7,875	3,620
Fees and service income, net	18,175	19,675	21,248	21,777	8,485
Others operating income	11,335	12,270	13,003	23,408	7,393
Non interest income^1/	29,510	31,945	34,251	45,185	15,878
Total operating income^2/	91,487	100,480	109,579	121,608	58,629
Non interest expenses	43,080	48,210	51,741	52,169	24,266
Profit before provision for possible loan loss	48,407	52,270	57,838	69,439	34,363
Expected Credit Loss	-	-	-	-	17,355
Impairment loss of loans and debt securities	21,314	22,970	26,180	28,203	-
Income tax expenses	5,409	5,739	6,467	8,104	3,328
Net profit^3/	21,404	23,209	24,813	32,749	13,540
Financial Ratios (%)
Return on average assets (ROAA)	1.19	1.17	1.16	1.44	1.11
Return on average equity (ROAE)	10.74	10.71	10.61	12.76	9.86
Loans to deposits ratio	130.73	117.52	117.22	116.02	109.19
Loans to deposits++ ratio^4/	116.90	109.53	108.93	108.37	103.08
Capital to risk assets ratio^5/	14.16	15.65	15.13	16.56	16.61
Non-performing Loans (Gross NPLs) to Total Loans	2.21	2.05	2.08	1.98	2.20
Total Allowance to NPLs (Coverage ratio)	143.25	148.43	160.76	163.82	156.22
Cost to income ratio	47.09	47.98	47.22	42.90	41.39
BAY Information
Net profit per share (THB Baht)	2.91	3.16	3.37	4.45	1.84
Book value per share (THB Baht)	28.38	30.72	33.13	36.99	38.07
Paid-up share capital (THB mn)	73,558	73,558	73,558	73,558	73,558
Number of workforce^6/	26,886	28,971	30,933	33,086	33,282
Number of branches^7/	698	702	705	692	685

Source : Consolidated Financial Statements
Updated as of July 2020

Notes:
^1/ Non Interest Income: Net fees and service income + Others operating income
^2/ Total Operating Income: Net interest income + Net fees and service income + Other operating income
^3/ Attributable to equity holders of the Bank
^4/ Loans to deposits+debenture+B/E ratio (%)
^5/ Represents bank only and the ratio calculated under Basel III guidance as prescribed by Bank of Thailand (BOT)
^6/ The Bank and subsidiaries
^7/ Included H.O. and 2 overseas branches

* Effective January 1, 2020, the Bank adopted the Thai Financial Reporting Standards No. 9 Financial Instruments (TFRS 9) on a retrospective basis without restatement of prior periods.

As of June 2020 represents 685 branches which were banking branches 643, auto business branches 40 and 2 overseas branches: Vientiane and Savannakhet in Lao PDR

Investor Relations

Market Data Today from Settrade.com

Plan your money

The earlier you start saving and investing, the wealthier you will be.

Plan your money