Financial

Financial Summary

Financial Position (THB million)	2021	2022	2023	2024	Jun-25
Assets	2,499,109	2,636,951	2,768,295	2,620,074	2,600,909
Loans	1,890,376	1,949,409	2,017,204	1,895,869	1,866,038
Deposits	1,779,139	1,804,692	1,839,601	1,822,229	1,802,447
Liabilities	2,180,872	2,295,192	2,396,841	2,224,265	2,193,766
Shareholders' equity	318,237	341,759	368,454	395,809	402,719
Comprehensive Income (THB million) (for year / 6 months)
Interest income	99,804	105,428	139,251	156,538	71,812
Interest expense	21,824	21,650	39,861	48,644	20,652
Interest income, net	77,980	83,778	99,390	107,894	51,160
Fees and service income	24,053	24,237	29,212	34,645	16,791
Fees and service expenses	7,202	7,292	8,381	9,727	4,753
Fees and service income, net	16,851	16,945	20,831	24,918	12,038
Others operating income	28,075	15,693	18,727	20,467	11,706
Non interest income^1/	44,926	32,638	39,558	45,385	23,744
Total operating income^2/	122,906	116,416	138,948	153,279	74,904
Non interest expenses	48,954	51,035	61,835	68,131	33,494
Profit before provision for possible loan loss	73,952	65,381	77,113	85,148	41,410
Expected Credit Loss	31,604	26,652	35,617	45,782	20,278
Income tax expenses	8,293	7,839	8,364	8,962	4,703
Net profit^3/	33,794	30,713	32,930	29,700	15,829
Financial Ratios (%)
Return on assets (ROA)	1.32	1.20	1.22	1.10	1.21
Return on equity (ROE)	11.17	9.33	9.28	7.81	7.97
Loans to deposit ratio	106	108	110	104	104
Loans to deposit plus debentures ratio	103	106	107	101	101
Capital to risk assets ratio^4/	18.53	17.97	18.24	19.38	19.57
Non-performing Loans (Gross NPLs) to Total Loans^5/	2.20	2.32	2.53	3.23	3.39
Loan loss coverage ratio	184.2	167.4	149.1	123.2	122.8
Cost to income ratio	39.83	43.84	44.50	44.45	44.72
BAY Information
Earnings per share (THB Baht)	4.59	4.18	4.48	4.04	2.15
Book value per share (THB Baht)	43.26	46.46	50.50	53.81	55.35
Paid-up share capital (THB mn)	73,558	73,558	73,558	73,558	73,558
Number of workforce^6/	33,397	34,245	52,146	52,438	51,459
Number of branches^7/	642	616	590	572	566

Source : Consolidated Financial Statements
Updated as of June 2025

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/ Represents bank only and the ratio calculated under Basel III guidance as prescribed by Bank of Thailand (BOT)

^5/ Total loan are loans to customers and loans to financial institutions

^6/ The Bank and subsidiaries

^7/ Included H.O. and 1 overseas branch

As of June 2025 represents 565 domestic branches which were banking branches 525, auto business branches 40; and 1 overseas branch: Vientiane in Lao PDR

Financial Summary

Financial Summary

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