Summary information as of September 30, 2022
Total assets Unit: Million Baht
Total revenue Unit: Million Baht
Details of Income Unit: Million Baht
Unit: Million Baht
2019 2020 2021 Q3/2022
Statement of Financial Position (Million Baht)
Total assets 7,983.70 8,242.20 9,701.89 11,376.783
Total liabilities 4,684.10 4,771.20 4,886.42 6,345.92
Total shareholders’ equity 3,299.60 3,471.00 4,815.48 5,030.86
Total revenue 1,743.40 1,590.00 1,644.42 1,513.34
Total expenses 1,241.70 979.30 1,019.24 1,046.72
Net profit for the period 188.7 318.1 353.8 253.49
Earnings per share (EPS) 0.06 0.11 0.11 0.07
Profitability Ratio (%)
Interest income ratio (2) 19.9 17.8 16.9 17.4
Interest expense ratio (3) 5.8 4.7 4.0 3.7
Interest margin (4) 14.1 13.1 12.9 13.7
Net profit margin (5) 10.8 20.0 21.5 16.8
Return on equity (ROE) (6) 6.2 9.4 8.5 6.9
Return on assets (ROA) (7) 2.4 3.9 3.9 3.2
Debt to equity ratio (D/E) (8) 1.4 1.4 1.0 1.3
Doubtful accounts to total loans (9) 6.3 6.6 5.9 5.6
- Required reserves 4.5 6.6 5.9 5.6
- Excess reserves 1.7 - - -
Bad debt to total loans (10) 1.9 2.4 2.0 1.4
Non-performing loans to total loans (11) 4.3 3.7 3.4 3.0
NPL coverage (12) 144.4 178.7 171.8 185.2
Credit cost (13) 4.9 2.2 1.9 3.1
(1) Par value of THB 1/share.
(2) Interest income ratio is defined as interest income from hire purchase and loans divided by average total hire purchase and loan receivables.
(3) Interest expense ratio is defined as finance costs divided by average interest-bearing debts.
(4) Interest margin is defined as interest income ratio minus interest expense ratio.
(5) Net profit margin is defined as net profit divided by total revenue.
(6) Return on equity is defined as net profit divided by average shareholders’ equity.
(7) Return on assets is defined as net profit divided by average assets.
(8) Debt to equity ratio is defined as total liabilities divided by total shareholders’ equity.
(9) Doubtful accounts to total loans is defined as total doubtful accounts divided by total hire purchase and loan receivables (before doubtful accounts).
(10) Bad debt to total loans is defined as bad debt divided by total hire purchase and loan receivables (before doubtful accounts).
(11) Non-performing loans to total loans is defined as total hire purchase and loan receivables which are outstanding for more than 90 days (before allowance for doubtful accounts) divided by total hire purchase and loan receivables (before doubtful accounts).
(12) NPL coverage is defined as total doubtful accounts divided by total hire purchase and loan receivables which are outstanding for more than 90 days (before doubtful accounts).
(13) Credit cost is defined as the sum of bad debts and doubtful accounts or expected credit loss divided by total hire purchase and loan receivables (before doubtful accounts).