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Financial Summary

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Financial Summary

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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 income1/ 44,926 32,638 39,558 45,385 23,744
Total operating income2/ 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 profit3/ 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 Loans5/ 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 workforce6/ 33,397 34,245 52,146 52,438 51,459
Number of branches7/ 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
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