Investor Presentaiton
Financial position
Million Baht
Dec-19
Dec-20
Dec-21
Mar-22
Jun-22
Growth (%)
QoQ
YTD
Loan
2,061,309 2,368,238 2,588,339
2,587,534
2,652,872
2.5%
2.5%
Deposit
2,370,792
2,810,863
3,156,940
3,194,460
3,147,149
-1.5%
-0.3%
LDR
86.9%
84.3%
82.0%
81.0%
84.3%
3.3%
2.3%
NPL/1
79,149
104,401
101,103
102,342
105,046
2.6%
3.9%
NPL ratio/1
3.4%
3.9%
3.2%
3.3%
3.4%
0.1%
0.2%
Allowance for ECL to NPL/1
220%
187%
226%
229%
233%
4%
7%
Allowance for ECL to loan
8.5%
8.2%
8.8%
9.1%
9.2%
0.1%
0.4%
Liquid assets/2 to total assets
35.5%
35.3%
38.6%
39.2%
37.3%
-1.9%
-1.3%
CASA
53.1%
57.0%
59.8%
61.3%
62.3%
1.0%
2.5%
CET1/3
17.0%
14.9%
15.2%
15.2%
14.6%
-0.6%
-0.6%
Tier 1 ratio/³
17.0%
15.7%
16.0%
16.0%
15.4%
-0.6%
-0.6%
CAR/3
20.0%
18.3%
19.6%
19.5%
18.9%
-0.6%
-0.7%
Note:
/1 Including interbank and money market lending
24
/2 Since 2020, liquid assets consist of cash, interbank and money market items, debt securities and marketable equity securities
/3 Based on Basel III standards issued by BOT since January 1, 2013
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