Financial Summary

Financial

Financial Summary

Financial Position (THB million) 2020* 2021 2022 2023 Sep-24
Assets 2,609,374 2,499,109 2,636,951 2,768,295 2,721,115
Loans 1,832,935 1,890,376 1,949,409 2,017,204 1,926,936
Deposits 1,834,505 1,779,139 1,804,692 1,839,601 1,899,610
Liabilities 2,320,195 2,180,872 2,295,192 2,396,841 2,332,316
Shareholders' equity 289,179 318,237 341,759 368,454 388,799
Comprehensive Income (THB million) (for year / 9 months)
Interest income 108,062 99,804 105,428 139,251 119,850
Interest expense 26,758 21,824 21,650 39,861 37,002
Interest income, net 81,304 77,980 83,778 99,390 82,848
Fees and service income 24,812 24,053 24,237 29,212 25,821
Fees and service expenses 7,248 7,202 7,292 8,381 7,173
Fees and service income, net 17,564 16,851 16,945 20,831 18,648
Others operating income 15,119 28,075 15,693 18,728 14,816
Non interest income1/ 32,683 44,926 32,638 39,558 33,464
Total operating income2/ 113,987 122,906 116,416 138,948 116,312
Non interest expenses 48,465 48,954 51,035 61,835 50,926
Profit before provision for possible loan loss 65,522 73,952 65,381 77,113 65,386
Expected Credit Loss 36,644 31,604 26,652 35,617 35,258
Impairment loss of loans and debt securities - - - - -
Income tax expenses 5,538 8,293 7,839 8,364 6,162
Net profit3/ 23,040 33,794 30,713 32,930 23,424
Financial Ratios (%)
Return on average assets (ROAA) 0.93 1.32 1.20 1.22 1.14
Return on average equity (ROAE) 8.25 11.17 9.33 9.28 8.29
Loans to deposits ratio 100 106 108 110 101
Loans to deposits++ ratio4/ 96 103 106 107 99
Capital to risk assets ratio5/ 17.92 18.53 17.97 18.24 18.94
Non-performing Loans (Gross NPLs) to Total Loans 2.00 2.20 2.32 2.53 3.20
Total Allowance to NPLs (Coverage ratio) 175.1 184.2 167.4 149.1 124.6
Cost to income ratio 42.52 39.83 43.84 44.50 43.78
BAY Information
Net profit per share (THB Baht) 3.13 4.59 4.18 4.48 3.18
Book value per share (THB Baht) 39.31 43.26 46.46 50.50 52.86
Paid-up share capital (THB mn) 73,558 73,558 73,558 73,558 73,558
Number of workforce6/ 33,340 33,397 34,245 52,146 52,497
Number of branches7/ 671 642 616 590 577
Source : Consolidated Financial Statements
Updated as of September 2024
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 1 overseas branch

* Effective January 1, 2020, the Bank adopted the Thai Financial Reporting Standards No. 9 Financial Instruments (TFRS 9) on a retrospective basis without restatement of prior periods.

As of September 2024 represents 576 domestic branches which were banking branches 536, auto business branches 40; and 1 overseas branch: Vientiane in Lao PDR
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