2022 Performance and Synergy Realization
NIM and NII showing positive momentum, driven by strategic B/S initiatives Ub
Net Interest Margin (NIM) and Net Interest Income
NIM
2.97%
51,000
THB million
+18 bps QoQ
+12 bps YoY
3.10%
2.98%
2.91%
2.92%
2.95%
-2 bps YoY
2.83%
+7% QoQ
13,826 +8% YoY
12,769
12,968
12,409
12,414
51,617 +1% YoY
Y2021
4Q21
1Q22
2Q22
3Q22
4Q22
Y2022
•
Apart from deposit and loan strategy, we've shortened investment portfolio to minimize the negative impact of mark-to-market loss during rate hike cycle. We also
increased floating rate bond investment portion and that allows the Bank to have flexible repricing opportunity. This reflected our flexible and effective B/S
management.
• As a result of B/S initiatives, NIM continued to improve +18 bps QoQ from in 3Q22. Key drivers were yield on loans (+24 bps QoQ), followed by yield on interbank
and money market (+43 bps QoQ) and yield on investment (+10 bps QoQ)
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