FI_RT_004 Average of Ratio of Thai Commercial Banks (Peer Group) 1/ 2/
Service Manager Arisara (66(0)2283-5196) Jantana (66(0)2356-7406)   
  Last Updated : 10 Jun 2020 10:25 (Unit: Millions of Baht)  
  Q4/2011 r   
  Large Thai Commercial Bank 3/Medium Thai CommercialBank 4/Small Thai Commercial Bank 5/Average Thai Commercial bank
1Number of Bank (Places)43714
2Financial Ratio    
3Asset Quality and Capital Adequacy Ratio (%)    
4    Capital funds/Risk assets14.3915.2816.2814.79
5    Tier 1 Capital/Risk assets10.4610.7014.3310.94
6    Off-balance-sheet Transactions/Assets 111.1867.42275.65120.95
7    Loan to related parties/Loans2.1213.774.574.93
8    Non - performing loan/Loans2.873.402.512.94
9    Actual allowance/Required allowance153.32122.29139.74143.71
10    Problem assets/Assets plus allowance2.503.512.422.72
11    Loans/Deposits109.77124.78186.55118.43
12    Liquidity/Deposits and Borrowings24.3228.1453.5427.24
13Profitability Ratio (%) 6/    
14    Interest income and dividend/Average net assets (Per year)4.544.335.054.61
15    Interest expenses/Average net assets (Per year)1.331.731.941.50
16    Net interest income/Average interest earning assets (Per year) (NIM)3.492.913.583.48
17    Non-interest income/Average net assets (Per year)1.571.021.191.41
18    Operating expenses/Average net assets (Per year)2.382.262.502.40
19    Profit (loss) from operation/Average net assets (Per year)2.401.351.792.11
20    Net profit (loss)/Average net assets (Per year) (ROA)1.380.730.901.19
21    Non-interest income/Total income25.6419.0019.1423.46
22    Gain (loss) on investments in securities/Non-interest income2.276.45-10.341.60
23    Gain (loss) on foreign exchanges/Non-interest income17.4319.1131.4618.96
24    Fee and services income/Non-interest income75.5459.3751.0770.63
25    Salaries and employee benefits/Operating expenses36.9741.0342.5038.47
26    Operating expenses/Net interest income and dividend74.1287.1080.4777.32
27Efficiency Ratio (Millions of Baht)    
28    Average net assets/Number of bank's branches1,831.211,230.972,537.841,757.48
29    Average net assets/Number of bank's employees94.4263.9385.1786.78
30    Net profit (loss)/Number of bank's employees (Per year)1.300.470.771.03
31    Net profit (loss)/Number of bank's branches (Per year)25.239.0122.8020.96
32    ATM cards and other e-banking services income/Number of bank's ATM (Per year)0.530.280.240.49
33    Salaries and employee benefits/Number of bank's employees (Per year)0.830.590.900.80

Bank of Thailand
1/ Since December 2007, Peer group (Thai Commercial Banks) has been adjusted.
2/ Thai Commercial Banks : exclude Retail Banks and Subsidiary.
3/ Large Bank : included Thai Commercial Banks with market share of Total Assets > 10 %
4/ Medium Bank : included Thai Commercial Banks with market share of Total Assets 3% < x < 10 %
5/ Small Bank : included Thai Commercial Banks with market share of Total Assets < 3 %
6/ (Per Year) data are annualized.