| |
| |
|
Balance Sheet (THB mn) |
2002 |
2003 |
2004 |
2005 |
2006* |
2007 |
June- 2008 |
| Assets |
463,584 |
515,938 |
568,390 |
636,936 |
664,558 |
650,623 |
715,864 |
| Loans |
375,841 |
395,572 |
415,108 |
443,551 |
459,267 |
444,962 |
491,719 |
| Deposits |
391,913 |
420,666 |
492,365 |
553,532 |
563,673 |
500,406 |
516,677 |
| Liabilities |
446,678 |
487,365 |
535,571 |
597,552 |
616,506 |
570,618 |
633,843 |
| Shareholders'
equity |
16,906 |
28,573 |
32,819 |
39,384 |
48,051 |
80,006 |
82,020 |
| Profit
& Loss Statement (THB mn)(for year / 6 Months) |
|
|
|
|
|
|
|
| Total
interest and dividend income |
19,311 |
19,081 |
| 23,756 |
34,675 |
34,278 |
15,947 |
| Total
interest expense |
12,450 |
10,619 |
6,691 |
7,700 |
16,474 |
15,324 |
6,245 |
| Net interest income |
6,861 |
8,462 |
13,122 |
16,056 |
18,201 |
18,954 |
9,702 |
| Provision
for possible loan loss |
600 |
3,000 |
3,000 |
4,100 |
6,339 |
11,500 |
2,400 |
| Non interest Income |
3,902 |
6,860 |
4,494 |
5,508 |
4,188 |
5,387 |
2,661 |
Non interest Expense |
8,040 |
9,262 |
9,935 |
11,439 |
13,358 |
16,351 |
8,195 |
Profit before provision for possible loan loss |
2,722 |
6,059 |
7,681 |
10,125 |
9,031 |
7,991 |
4,168 |
Income tax expense |
3.4 |
6.8 |
8.0 |
7.6 |
7.8 |
8.9 |
0.0 |
| Net
profit (loss) |
2,119 |
3,053 |
4,673 |
6,017 |
2,684 |
(3,518) |
1,768 |
| Financial
Ratios |
|
|
|
|
|
|
|
| Net
profit (loss) per share (THB Baht) |
1.15 |
1.39 |
1.64 |
2.10 |
0.93 |
(0.67) |
0.31 |
| Book
value per share (THB Baht) |
9.14 |
10.02 |
11.51 |
13.72 |
14.12 |
13.88 |
14.10 |
| Loans
to deposits ratio (%) |
95.90 |
94.03 |
84.31 |
79.96 |
81.48 |
88.92 |
95.17 |
| Capital to risk assets ratio (%) |
10.80 |
13.92 |
10.72 |
11.01 |
11.67 |
20.35 |
17.80 |
| BAY
Facts |
|
|
|
|
|
|
|
| Paid-up
share capital (THB mn) |
18,503 |
28,503 |
28,511 |
28,709 |
29,408 |
57,477 |
57,761 |
| Number
of employees |
7,670 |
7,580 |
7,959 |
8,357 |
8,242 |
8,542 |
9,424 |
| Number
of branches ** |
392 |
412 |
439
| 492 |
552 |
569 |
573 |
| Source :Separated financial statements |
| Note: |
| * In 2007, the Bank has changed accounting method from equity method to cost method as per the Federation of Accounting Professions' notifications no. 26/2006 and no. 32/2006. The financial statements of the previous year, presented as a comparative purpose, have been retroactively adjusted. |
| ** Included H.O. and 3 overseas branches |
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