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 Nov 2019 09:07 (Unit: Millions of Baht)  
  Q3/2019 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 assets22.8115.1633.6322.05
5   Off-balance-sheet Transactions/Assets703.982,990.91184.33986.89
6   Loan to related parties/Loans5.073.531.834.91
7   Non - performing loan/Loans0.380.002.750.43
8   Actual allowance/Required allowance105.92101.20121.50106.53
9   Problem assets/Assets plus allowance0.250.011.020.25
10   Loans/Deposits106.0158.51105.39102.73
11   Statutory Liquidity Ratio (SLR), Liquidity Coverage Ratio (LCR) 5/205.73215.77158.75201.56
12Profitability Ratio (%)    
13   Interest income/Average net assets (Per year) 6/2.721.252.692.53
14   Interest expenses/Average net assets (Per year)1.120.711.911.10
15   Net interest income/Average interest earning assets (Per year) (NIM)1.720.890.791.61
16   Non - interest income/Average net assets (Per year)1.531.870.421.53
17   Operating expenses/Average net assets (Per year)1.391.210.801.34
18   Profit (loss) from operation/Average net assets (Per year)1.731.210.401.61
19   Net profit (loss)/Average net assets (Per year) (ROA)1.220.870.331.14
20   Non-interest income/Total income36.0259.9213.5537.65
21   Gain (loss) on investments in securities/Non-interest income1.490.0029.731.56
22   Gain (loss) on foreign exchanges/Non-interest income54.43179.5047.3074.09
23   Fee and services income/Non-interest income38.018.3021.6233.14
24   Salaries and employee benefits/Operating expenses32.3838.6055.3233.64
25   Operating expenses/Net interest income87.12221.65102.9294.12
26Efficiency Ratio (Millions of Baht)    
27   Average net assets/Number of bank's branches137,764.5071,219.0011,683.0075,518.00
28   Average net assets/Number of bank's employees427.84868.52467.32459.08
29   Net profit (loss)/Number of bank's employees (Per year)5.227.561.555.22
30   Net profit (loss)/Number of bank's branches (Per year)1,680.67620.0038.67858.67
31   Salaries and employee benefits/Number of bank's employees (Per year)1.934.052.082.07

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.