Financial Summary


Financial Position
(THB million)
2014 2015 2016 2017 Sep 2018
Assets
1,211,362 1,705,517 1,883,188 2,088,772 2,093,284
Loans
1,012,761 1,303,454 1,448,882 1,550,404 1,666,879
Deposits
837,556 1,046,290 1,108,288 1,319,229 1,376,585
Liabilities
1,079,692 1,514,769 1,674,420 1,862,785 1,855,507
Shareholders' equity
131,670 190,748 208,768 225,987 237,777
Comprehensive Income (THB million) (for year / 9 months)    
Interest income
74,609 81,946 85,925 94,998 79,041
Interest expense
26,665 25,596 23,948 26,463 23,447
Interest income, net
47,944 56,350 61,977 68,535 55,594
Fees and service income
19,191 22,670 24,142 26,341 21,298
Fees and service expenses
4,421 5,440 5,967 6,666 5,669
Fees and service income, net
14,770 17,230 18,175 19,675 15,629
Others operating income
8,046 9,193 11,335 12,270 9,873
Non interest income 1/
22,816 26,423 29,510 31,945 25,502
Total operating income2/
70,760 82,773 91,487 100,480 81,096
Non interest expenses
34,300 38,947 43,080 48,210 37,865
Profit before provision for possible loan loss
36,460 43,826 48,407 52,270 43,231
Impairment loss of loans and debt securities
18,106 20,186 21,314 22,970 19,390
Income tax expenses
4,031 4,788 5,409 5,739 4,850
Net profit3/
14,170 18,634 21,404 23,209 18,703
Financial Ratios (%)    
Return on average assets (ROAA)
1.19 1.28 1.19 1.17 1.19
Return on average equity (ROAE)
11.22 11.59 10.74 10.71 10.80
Loans to deposits ratio
120.92 124.58 130.73 117.52 121.09
Loans to deposits++ ratio4/
106.10 114.38 116.90 109.53 110.08
Capital to risk assets ratio5/
14.69 13.63 14.16 15.65 15.50
Non-performing Loans (Gross NPLs) to Total Loans
2.79 2.24 2.21 2.05 2.12
Total Allowance to NPLs (Coverage ratio)
133.24 140.55 143.25 148.43 162.07
Cost to income ratio
48.47 47.05 47.09 47.98 46.69
BAY Information    
Net profit per share (THB Baht)
2.33 2.54 2.91 3.16 2.54
Book value per share (THB Baht)
21.68 25.93 28.38 30.72 32.33
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 30,220
Number of branches7/
647 676 698 702 701
Source : Consolidated Financial Statements
Updated as of October 2018

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 September 2018 represents 701 branches which were banking branches 662, auto business branches 37 and 2 overseas branches: Vientiane and Savannakhet in Lao PDR
 

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