Financial Summary


Financial Position
(THB million)
2014 2015 2016 2017 2018
Assets
1,211,362 1,705,517 1,883,188 2,088,772 2,173,622
Loans
1,012,761 1,303,454 1,448,882 1,550,404 1,672,018
Deposits
837,556 1,046,290 1,108,288 1,319,229 1,426,348
Liabilities
1,079,692 1,514,769 1,674,420 1,862,785 1,929,904
Shareholders' equity
131,670 190,748 208,768 225,987 243,718
Comprehensive Income (THB million) (for year)    
Interest income
74,609 81,946 85,925 94,998 107,132
Interest expense
26,665 25,596 23,948 26,463 31,804
Interest income, net
47,944 56,350 61,977 68,535 75,328
Fees and service income
19,191 22,670 24,142 26,341 28,999
Fees and service expenses
4,421 5,440 5,967 6,666 7,751
Fees and service income, net
14,770 17,230 18,175 19,675 21,248
Others operating income
8,046 9,193 11,335 12,270 13,003
Non interest income 1/
22,816 26,423 29,510 31,945 34,251
Total operating income2/
70,760 82,773 91,487 100,480 109,579
Non interest expenses
34,300 38,947 43,080 48,210 51,741
Profit before provision for possible loan loss
36,460 43,826 48,407 52,270 57,838
Impairment loss of loans and debt securities
18,106 20,186 21,314 22,970 26,180
Income tax expenses
4,031 4,788 5,409 5,739 6,467
Net profit3/
14,170 18,634 21,404 23,209 24,813
Financial Ratios (%)    
Return on average assets (ROAA)
1.19 1.28 1.19 1.17 1.16
Return on average equity (ROAE)
11.22 11.59 10.74 10.71 10.61
Loans to deposits ratio
120.92 124.58 130.73 117.52 117.22
Loans to deposits++ ratio4/
106.10 114.38 116.90 109.53 108.93
Capital to risk assets ratio5/
14.69 13.63 14.16 15.65 15.13
Non-performing Loans (Gross NPLs) to Total Loans
2.79 2.24 2.21 2.05 2.08
Total Allowance to NPLs (Coverage ratio)
133.24 140.55 143.25 148.43 160.76
Cost to income ratio
48.47 47.05 47.09 47.98 47.22
BAY Information    
Net profit per share (THB Baht)
2.33 2.54 2.91 3.16 3.37
Book value per share (THB Baht)
21.68 25.93 28.38 30.72 33.13
Paid-up share capital (THB mn)
60,741 73,558 73,558 73,558 73,558
Number of workforce6/
20,756 22,834 26,886 28,971 30,933
Number of branches7/
647 676 698 702 705
Source : Consolidated Financial Statements
Updated as of January 2019

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 2018 represents 705 branches which were banking branches 664, auto business branches 39 and 2 overseas branches: Vientiane and Savannakhet in Lao PDR
 

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