| |
| |
|
Balance Sheet (THB mn) |
2003 |
2004 |
2005 |
2006* |
2007 |
Sep-2008 |
| Assets |
524,122 |
575,356 |
647,817 |
666,342 |
652,376 |
702,905 |
| Loans |
402,221 |
420,102 |
453,774 |
460,288 |
450,356 |
551,573 |
| Deposits |
425,341 |
497,443 |
559,890 |
563,496 |
499,627 |
505,169 |
| Liabilities |
495,300 |
542,213 |
607,443 |
619,196 |
574,309 |
618,549 |
| Shareholders'
equity |
28,823 |
33,142 |
40,374 |
47,146 |
78,067 |
84,356 |
| Profit
& Loss Statement (THB mn)(for year / 9 Months) |
|
|
|
|
|
|
| Total
interest and dividend income |
23,359 |
| 23,756 |
28,812 |
35,219 |
30,373 |
| Total
interest expense |
10,718 |
6,802 |
7,949 |
16,678 |
15,442 |
10,673 |
| Net interest income |
8,577 |
13,469 |
16,673 |
19,048 |
19,622 |
19,700 |
| Provision
for possible loan loss |
3,393 |
3,548 |
6,060 |
11,361 |
12,365 |
4,576 |
| Non interest Income |
7,833 |
5,652 |
8,263 |
9,154 |
7,547 |
5,058 |
Non interest Expense |
9,868 |
10,769 |
12,752 |
15,267 |
18,664 |
15,576 |
Profit before provision for possible loan loss |
6,542 |
8,352 |
12,184 |
12,935 |
8,505 |
9,182 |
Income tax expense |
39 |
60 |
52 |
67 |
124 |
558 |
| Net
profit (loss) |
3,053 |
4,673 |
6,017 |
1,666 |
(3,992) |
4,048 |
| Financial
Ratios |
|
|
|
|
|
|
| Net
profit (loss) per share (THB Baht) |
1.39 |
1.64 |
2.10 |
0.58 |
(0.76) |
0.70 |
| Book
value per share (THB Baht) |
10.11 |
11.62 |
14.06 |
13.85 |
13.55 |
13.89 |
| Loans
to deposits ratio (%) |
94.56 |
84.45 |
81.05 |
81.68 |
90.14 |
109.19 |
| Capital to risk assets ratio (%) |
13.76 |
10.19 |
10.49 |
11.59 |
19.71 |
17.73 |
| BAY
Facts |
|
|
|
|
|
|
| Paid-up
share capital (THB mn) |
28,503 |
28,511 |
28,709 |
29,408 |
57,477 |
60,741 |
| Number
of employees |
7,580 |
7,959 |
8,357 |
8,242 |
8,542 |
9,630 |
| Number
of branches ** |
412 |
439
| 492 |
552 |
569 |
579 |
| Source :Consolidated Financial Statements |
| Note: |
| * In 2007, the Bank has changed accounting method from equity method to cost method as per the Federation of Accounting Professions' notifications no. 26/2006 and no. 32/2006. The financial statements of the previous year, presented as a comparative purpose, have been retroactively adjusted. |
| ** Included H.O. and 3 overseas branches |
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