Investor Presentaiton
Financial position
Million Baht
Dec-19
Dec-20 Dec-21 Dec-22 Mar-23
Jun-23 Growth (%)
YTD
Loan
2,061,309 2,368,238 2,588,339 2,682,691 2,640,090 2,698,304
0.6%
Deposit
2,370,792 2,810,863
3,156,940 3,210,896 3,205,989 3,200,155
-0.3%
LDR
86.9%
84.3%
82.0%
83.5%
82.3%
84.3%
0.8%
NPL/1
79,149
104,401
101,103
97,188
98,359
93,285
-4.0%
NPL ratio/1
3.4%
3.9%
3.2%
3.1%
3.1%
2.9%
-0.2%
Allowance for ECL to
220.2%
186.8%
225.8%
260.8%
265.1%
287.1%
26.3%
NPL/1
Allowance for ECL to
8.5%
8.2%
8.8%
9.4%
9.9%
9.9%
0.5%
loan
Liquid assets/2 to total
35.5%
35.3%
38.6%
37.7%
39.6%
38.2%
0.5%
assets
CASA
53.1%
57.0%
59.8%
62.6%
62.5%
62.3%
-0.3%
CET1/3
17.0%
14.9%
15.2%
14.9%
14.9%
14.9%
0.0%
Tier 1 ratio/3
17.0%
15.7%
16.0%
15.7%
15.7%
15.7%
0.0%
CAR/3
20.0%
18.3%
19.6%
19.1%
19.2%
19.1%
0.0%
Note:
/1 Including interbank and money market lending
30
/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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