Financial

Financial Summary

Financial Position (THB million)	2019	2020*	2021	2022	Sep-23
Assets	2,359,592	2,609,374	2,499,109	2,636,951	2,759,717
Loans	1,817,877	1,832,935	1,890,376	1,949,409	2,016,837
Deposits	1,566,885	1,834,505	1,779,139	1,804,692	1,772,228
Liabilities	2,087,476	2,320,195	2,180,872	2,295,192	2,395,538
Shareholders' equity	272,116	289,179	318,237	341,759	364,179
Comprehensive Income (THB million) (for year / 9 months)
Interest income	110,455	108,062	99,804	105,428	98,165
Interest expense	34,032	26,758	21,824	21,650	27,742
Interest income, net	76,423	81,304	77,980	83,778	70,423
Fees and service income	29,652	24,812	24,053	24,237	20,104
Fees and service expenses	7,875	7,248	7,202	7,292	6,134
Fees and service income, net	21,777	17,564	16,851	16,945	13,970
Others operating income	23,408	15,119	28,075	15,693	13,190
Non interest income^1/	45,185	32,683	44,926	32,638	27,160
Total operating income^2/	121,608	113,987	122,906	116,416	97,583
Non interest expenses	52,169	48,465	48,954	51,035	15,993
Profit before provision for possible loan loss	69,439	65,522	73,952	65,381	54,465
Expected Credit Loss	-	36,644	31,604	26,652	22,662
Impairment loss of loans and debt securities	28,203	-	-	-
Income tax expenses	8,104	5,538	8,293	7,839	6,450
Net profit^3/	32,749	23,040	33,794	30,713	25,198
Financial Ratios (%)
Return on average assets (ROAA)	1.44	0.93	1.32	1.20	1.25
Return on average equity (ROAE)	12.76	8.25	11.17	9.33	9.57
Loans to deposits ratio	116	100	106	108	114
Loans to deposits++ ratio^4/	108	96	103	106	111
Capital to risk assets ratio^5/	16.56	17.92	18.53	17.97	18.38
Non-performing Loans (Gross NPLs) to Total Loans	1.98	2.00	2.20	2.32	2.48
Total Allowance to NPLs (Coverage ratio)	163.8	175.1	184.2	167.4	155.1
Cost to income ratio	42.90	42.52	39.83	43.84	44.20
BAY Information
Net profit per share (THB Baht)	4.45	3.13	4.59	4.18	3.43
Book value per share (THB Baht)	36.99	39.31	43.26	46.46	49.51
Paid-up share capital (THB mn)	73,558	73,558	73,558	73,558	73,558
Number of workforce^6/	33,086	33,340	33,397	34,245	49,668
Number of branches^7/	692	671	642	671	600

Source : Consolidated Financial Statements
Updated as of September 2023

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 2023 represents 600 domestic branches which were banking branches 559, auto business branches 40; and 1 overseas branch: Vientiane in Lao PDR

Financial Summary

Financial Summary

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