Investor Presentaiton
Financial performance - Year
Million Baht
2019
2020
2021
2022
Growth (%)
YOY
Net interest income
71,071
77,046
82,156
102,223
24.4%
Net fees income
28,505
24,711
29,209
27,508
-5.8%
Other operating income
34,171
16,971
23,176
9,164
-60.5%
Total income
133,746
118,728
134,541
138,895
3.2%
Operating expense
54,963
65,974
67,266
69,019
2.6%
Expected credit loss/1
32,351
31,196
34,134
32,647
-4.4%
Net profit/2
35,816
17,181
26,507
29,306
10.6%
EPS/2 (Baht per share)
18.76
9.00
13.89
15.35
10.6%
NIM
2.35%
2.24%
2.10%
2.42%
0.32%
Net fee income ratio
21.3%
20.8%
21.7%
19.8%
-1.9%
Cost to income ratio
41.1%
55.6%
50.0%
49.7%
-0.3%
ROA/2
1.13%
0.48%
0.65%
0.67%
0.02%
ROE/2
8.45%
3.96%
5.62%
5.86%
0.24%
Note:
33
/1 Prior to 2020 is impairment loss of loans and debt securities
/2 Attributable to owners of the Bank
Bangkok BankView entire presentation