Financial Summary

Financial Position (THB million)	2020*	2021	2022	2023	Sep-24
Assets	2,609,374	2,499,109	2,636,951	2,768,295	2,721,115
Loans	1,832,935	1,890,376	1,949,409	2,017,204	1,926,936
Deposits	1,834,505	1,779,139	1,804,692	1,839,601	1,899,610
Liabilities	2,320,195	2,180,872	2,295,192	2,396,841	2,332,316
Shareholders' equity	289,179	318,237	341,759	368,454	388,799
Comprehensive Income (THB million) (for year / 9 months)
Interest income	108,062	99,804	105,428	139,251	119,850
Interest expense	26,758	21,824	21,650	39,861	37,002
Interest income, net	81,304	77,980	83,778	99,390	82,848
Fees and service income	24,812	24,053	24,237	29,212	25,821
Fees and service expenses	7,248	7,202	7,292	8,381	7,173
Fees and service income, net	17,564	16,851	16,945	20,831	18,648
Others operating income	15,119	28,075	15,693	18,728	14,816
Non interest income^1/	32,683	44,926	32,638	39,558	33,464
Total operating income^2/	113,987	122,906	116,416	138,948	116,312
Non interest expenses	48,465	48,954	51,035	61,835	50,926
Profit before provision for possible loan loss	65,522	73,952	65,381	77,113	65,386
Expected Credit Loss	36,644	31,604	26,652	35,617	35,258
Impairment loss of loans and debt securities	-	-	-	-	-
Income tax expenses	5,538	8,293	7,839	8,364	6,162
Net profit^3/	23,040	33,794	30,713	32,930	23,424
Financial Ratios (%)
Return on average assets (ROAA)	0.93	1.32	1.20	1.22	1.14
Return on average equity (ROAE)	8.25	11.17	9.33	9.28	8.29
Loans to deposits ratio	100	106	108	110	101
Loans to deposits++ ratio^4/	96	103	106	107	99
Capital to risk assets ratio^5/	17.92	18.53	17.97	18.24	18.94
Non-performing Loans (Gross NPLs) to Total Loans	2.00	2.20	2.32	2.53	3.20
Total Allowance to NPLs (Coverage ratio)	175.1	184.2	167.4	149.1	124.6
Cost to income ratio	42.52	39.83	43.84	44.50	43.78
BAY Information
Net profit per share (THB Baht)	3.13	4.59	4.18	4.48	3.18
Book value per share (THB Baht)	39.31	43.26	46.46	50.50	52.86
Paid-up share capital (THB mn)	73,558	73,558	73,558	73,558	73,558
Number of workforce^6/	33,340	33,397	34,245	52,146	52,497
Number of branches^7/	671	642	616	590	577

Source : Consolidated Financial Statements
Updated as of September 2024

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 1 overseas branch

* 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 September 2024 represents 576 domestic branches which were banking branches 536, auto business branches 40; and 1 overseas branch: Vientiane in Lao PDR

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Financial Summary

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