Financial Summary


Financial Position
(THB million)
2015 2016 2017 2018 2019
Assets
1,705,517 1,883,188 2,088,772 2,173,622 2,359,592
Loans
1,303,454 1,448,882 1,550,404 1,672,018 1,817,877
Deposits
1,046,290 1,108,288 1,319,229 1,426,348 1,566,885
Liabilities
1,514,769 1,674,420 1,862,785 1,929,904 2,087,476
Shareholders' equity
190,748 208,768 225,987 243,718 272,116
Comprehensive Income (THB million) (for year)    
Interest income
81,946 85,925 94,998 107,132 110,455
Interest expense
25,596 23,948 26,463 31,804 34,032
Interest income, net
56,350 61,977 68,535 75,328 76,423
Fees and service income
22,670 24,142 26,341 28,999 29,652
Fees and service expenses
5,440 5,967 6,666 7,751 7,875
Fees and service income, net
17,230 18,175 19,675 21,248 21,777
Others operating income
9,193 11,335 12,270 13,003 23,408
Non interest income1/
26,423 29,510 31,945 34,251 45,185
Total operating income2/
82,773 91,487 100,480 109,579 121,608
Non interest expenses
38,947 43,080 48,210 51,741 52,169
Profit before provision for possible loan loss
43,826 48,407 52,270 57,838 69,439
Impairment loss of loans and debt securities
20,186 21,314 22,970 26,180 28,203
Income tax expenses
4,788 5,409 5,739 6,467 8,104
Net profit3/
18,634 21,404 23,209 24,813 32,749
Financial Ratios (%)    
Return on average assets (ROAA)
1.28 1.19 1.17 1.16 1.44
Return on average equity (ROAE)
11.59 10.74 10.71 10.61 12.76
Loans to deposits ratio
124.58 130.73 117.52 117.22 116.02
Loans to deposits++ ratio4/
114.38 116.90 109.53 108.93 108.37
Capital to risk assets ratio5/
13.63 14.16 15.65 15.13 16.56
Non-performing Loans (Gross NPLs) to Total Loans
2.24 2.21 2.05 2.08 1.98
Total Allowance to NPLs (Coverage ratio)
140.55 143.25 148.43 160.76 163.82
Cost to income ratio
47.05 47.09 47.98 47.22 42.90
BAY Information    
Net profit per share (THB Baht)
2.54 2.91 3.16 3.37 4.45
Book value per share (THB Baht)
25.93 28.38 30.72 33.13 36.99
Paid-up share capital (THB mn)
73,558 73,558 73,558 73,558 73,558
Number of workforce6/
22,834 26,886 28,971 30,933 33,085
Number of branches7/
676 698 702 705 692
Source : Consolidated Financial Statements
Updated as of January 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

As of December 2019 represents 692 branches which were banking branches 650, auto business branches 40 and 2 overseas branches: Vientiane and Savannakhet in Lao PDR

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