FI_RF_004_S2 Average of Ratio of Full Branch (Peer Group) 1/
Service Manager Wanchai (66(0)2283-5633) Watcharee (66(0)2283-5993)   
  Last Updated : 08 May 2020 09:04 (Unit: Millions of Baht)  
  Q4/2019 p   
  Large Full Branch 2/Medium Full Branch 3/Small Full Branch 4/Average Full Branch
1Number of Bank (Places)53311
2Financial Ratio    
3Asset Quality and Capital Adequacy Ratio (%)    
4   Capital funds/Risk assets23.4915.3831.1922.57
5   Off-balance-sheet Transactions/Assets638.832,847.18183.62926.45
6   Loan to related parties/Loans6.04108.501.6911.51
7   Non - performing loan/Loans0.390.002.540.44
8   Actual allowance/Required allowance106.99100.00121.27107.56
9   Problem assets/Assets plus allowance0.270.011.000.26
10   Loans/Deposits108.9874.32108.75106.26
11   Statutory Liquidity Ratio (SLR), Liquidity Coverage Ratio (LCR) 5/195.68303.40173.20204.09
12Profitability Ratio (%)    
13   Interest income/Average net assets (Per year) 6/2.661.212.652.47
14   Interest expenses/Average net assets (Per year)1.090.681.851.07
15   Net interest income/Average interest earning assets (Per year) (NIM)1.690.890.811.58
16   Non - interest income/Average net assets (Per year)1.481.550.491.45
17   Operating expenses/Average net assets (Per year)1.391.160.811.34
18   Profit (loss) from operation/Average net assets (Per year)1.650.920.481.51
19   Net profit (loss)/Average net assets (Per year) (ROA)1.130.620.381.03
20   Non-interest income/Total income35.7856.1015.4736.97
21   Gain (loss) on investments in securities/Non-interest income1.390.0028.451.59
22   Gain (loss) on foreign exchanges/Non-interest income52.93178.0746.5570.36
23   Fee and services income/Non-interest income39.5810.3418.1035.18
24   Salaries and employee benefits/Operating expenses32.4938.4054.6433.76
25   Operating expenses/Net interest income89.10217.14101.0495.73
26Efficiency Ratio (Millions of Baht)    
27   Average net assets/Number of bank's branches138,458.0072,989.0011,944.5076,146.00
28   Average net assets/Number of bank's employees410.25879.39477.78444.00
29   Net profit (loss)/Number of bank's employees (Per year)4.645.481.804.59
30   Net profit (loss)/Number of bank's branches (Per year)1,566.50455.0045.00786.50
31   Salaries and employee benefits/Number of bank's employees (Per year)1.863.932.122.01

Remark:
1/ Since December 2007 and June 2013, Peer group (Full Branch) has been adjusted.
2/ Large Bank : included Full Branch with market share of Total Assets > 7 %
3/ Medium Bank : included Full Branch with market share of Total Assets 2% < x < 7 %
4/ Small Bank : included Full Branch with market share of Total Assets < 2 %
5/ The Bank of Thailand has imposed the Liquidity Coverage Ratio (LCR) Framework which replaces the maintenance 6 percent reserve requirement.Regarding the LCR framework which has been implemented on January 1, 2016, all banks shall maintain high-quality liquid assets not less than net expected cash outflow over the next 30 days.
6/ (Per Year) data are annualized.