Items Consilidated Financial Statements
2022 2021 2020
September December December
Statements of comprehensive income : Million Baht
Interest income 6,271 7,770 7,855
Interest expenses (1,762) (2,331) (3,129)
Net interest income 4,509 5,439 4,726
Total operating income 5,970 8,075 7,747
Total other operating expenses (2,624) (3,223) (2,997)
Expected credit losses
(Bad debts and doubtful accounts)
(1,912) (3,275) (2,304)
Net profits 1,234 1,384 2,057
Statements of financial position : Million Baht
Total assets 276,217 264,636 249,312
Total liabilities 240,363 226,438 210,681
Total shareholders' equity 35,854 38,198 38,631
Registered issued and paid-up share capital 21,184 21,184 21,184
Comparing per share : Baht
Basic earnings per share 0.058 0.066 0.098
Book value per share 1.6925 1.8032 1.8467
Financial Ratio (%)
Return on average assets (ROA) 0.62 0.54 0.84
Return on average shareholders' equity (ROE) 4.41 3.60 5.16
The ratio of tier 1 capital fund to risk assets (Core capital ratio) 13.668 15.909 16.663
The ratio of total capital fund to risk assets (BIS ratio) 15.748 17.947 19.182