Investor Presentaiton
1H23 Financial Highlights
Prudent approach has been key to delivering sustainable
returns over the years
Net profit
21.4 bn Baht
Net interest margin
2.88%
Net fees and
Cost-to-income
service income
ratio
0.1% YoY
47.1%
Loan
+0.6% YTD
Deposit
-0.3% YTD
NPL ratio
2.9%
Coverage ratio
287.1%
1H23 net profit increased to 21.4 bn, supported
by well-disciplined balance sheet management
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1H23 Net profit grew double digit YoY, mainly driven
by strong growth in net interest income in line with
rising rate environment, resulting in NIM improvement
to 2.88%
Fee income was at the similar level as the same period
last year
Moderate loan growth YTD was from loan to corporate
and loan made through the Bank's international network
Asset quality remained manageable with strong
coverage ratio
Healthy liquidity and strong capital positions to withstand
uncertainty and support business opportunities
Loan-to-deposit
Tier 1 ratio
ratio
84.3%
15.7%
19
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