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Financial Summary

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Financial Summary

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Financial Position (THB million) 2022 2023 2024 2025 Mar-26
Assets 2,636,951 2,768,295 2,620,074 2,647,157 2,606,925
Loans 1,949,409 2,017,204 1,895,869 1,928,648 1,905,843
Deposits 1,804,692 1,839,601 1,822,229 1,735,328 1,703,555
Liabilities 2,295,192 2,396,841 2,224,265 2,207,066 2,157,128
Shareholders' equity 341,759 371,454 395,809 440,091 449,797
Comprehensive Income (THB million) (for year / 3 months)  
Interest income 105,428 139,251 156,538 147,383 37,005
Interest expense 21,650 39,861 48,644 38,850 8,174
Interest income, net 83,778 99,390 107,894 108,533 28,831
Fees and service income 24,237 29,212 34,645 36,421 10,270
Fees and service expenses 7,292 8,381 9,727 9,936 2,831
Fees and service income, net 16,945 20,831 24,918 26,484 7,439
Others operating income 15,693 18,727 20,467 25,302 6,585
Non interest income1/ 32,638 39,558 45,385 51,786 14,024
Total operating income2/ 116,416 138,948 153,279 160,320 42,855
Non interest expenses 51,035 61,835 68,131 75,370 19,373
Profit before provision for possible loan loss 65,381 77,113 85,148 84,950 23,482
Expected Credit Loss 26,652 35,617 45,782 43,790 11,472
Income tax expenses 7,839 8,364 8,962 7,718 2,291
Net profit3/ 30,713 32,930 29,700 31,738 8,618
Financial Ratios (%)  
Return on assets (ROA) 1.20 1.22 1.10 1.21 1.31
Return on equity (ROE) 9.33 9.28 7.81 7.87 8.23
Loans to deposit ratio 108 110 104 111 112
Loans to deposit plus debentures ratio 106 107 101 107 109
Capital to risk assets ratio​4/ 17.97 18.24 19.38 20.69 20.65
Non-performing Loans (Gross NPLs) to Total Loans5/ 2.32 2.53 3.23 3.26 3.34
Loan loss coverage ratio 167.4 149.1 123.2 126.9 132.3
Cost to income ratio 43.84 44.50 44.45 47.00 45.20
BAY Information  
Earnings per share (THB Baht) 4.18 4.48 4.04 4.31 1.17
Book value per share (THB Baht) 46.46 50.50 53.81 59.83 61.15
Paid-up share capital (THB mn) 73,558 73,558 73,558 73,558 73,558
Number of workforce6/ 34,245 52,146 52,438 53,766 53,403
Number of branches7/ 616 590 572 556 545
Source : Consolidated Financial Statements
Updated as of March 2026
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 March 2026 represents 545 domestic branches which were banking branches 504, auto business branches 40; and 1 overseas branch: Vientiane in Lao PDR
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