Investor Presentaiton
Manageable asset quality with consistent provisioning
policy resulting in strong coverage ratio
Expected credit loss (Provision), Credit cost
Billion Baht, %
Billion Baht, %
NPL amount, NPL ratio
3.9%
3.4%
3.2% 3.1% 3.1%
2.9%
104.4
1.6%
101.1 97.2
98.4
93.3
79.1
1.4% 1.4%
1.3%
1.2% 1.2%
1.1%
2019
2020
2021
2022
Mar-23
Jun-23
NPL amount
NPL ratio
34.1
32.4
32.6
31.2
Loan loss reserve (LLR), Coverage ratio
Billion Baht, %
287.1%
260.8% 265.1%
225.8%
220.5%
22.0
186.8%
17.4
14.8
162.6%
149.9% 149.2%
171.2% 173.4%
253
261
268
195
228
174
113
61
2018
2019
2020 2021
2022
1H22 1H23
2019
2020
2021
2022
Mar-23
Jun-23
Expected credit loss
Credit cost
BBL's excess reserves over BOT requirement
BBL's required reserves by BOT
BBL's loan loss reserves
24 Note: Include Permata's financial performance since May 2020
/1 System refers to all commercial banks in Thailand (source: Bank of Thailand)
BBL's coverage ratio
System's coverage ratio/1
Bangkok BankView entire presentation