FI_RT_004_S2 Average of Ratio of Thai Commercial Banks (Peer Group) 1/ 2/
Service Manager Wanchai (66(0)2283-5633) Wannee (66(0)2356-7407)   
  Last Updated : 10 May 2019 19:15 (Unit: Millions of Baht)  
  Q4/2016 r   
  Large Thai Commercial Bank 3/Medium Thai Commercial Bank 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 assets17.6816.3518.2017.44
5    Tier 1 Capital/Risk assets14.5512.3915.0214.13
6    Off-balance-sheet Transactions/Assets122.22117.04304.68141.57
7    Loan to related parties/Loans1.886.352.722.98
8    Non - performing loan/Loans3.262.023.423.00
9    Actual allowance/Required allowance158.87141.83167.68156.80
10    Problem assets/Assets plus allowance2.751.902.982.59
11    Loans/Deposits104.50117.05120.12108.66
12    Statutory Liquidity Ratio (SLR), Liquidity Coverage Ratio (LCR) 6/198.09134.31120.52173.17
13Profitability Ratio (%)    
14    Interest income/Average net assets (Per year)4.103.984.654.14
15    Interest expenses/Average net assets (Per year)1.321.431.641.38
16    Net interest income/Average interest earning assets (Per year) (NIM)2.942.733.202.92
17    Non-interest income/Average net assets (Per year)1.831.431.301.68
18    Operating expenses/Average net assets (Per year)
19    Profit (loss) from operation/Average net assets (Per year)2.521.912.062.33
20    Net profit (loss)/Average net assets (Per year) (ROA)1.301.040.891.20
21    Non-interest income/Total income30.8326.4721.8828.91
22    Gain (loss) on investments in securities/Non-interest income2.822.858.673.33
23    Gain (loss) on foreign exchanges/Non-interest income14.7412.0315.0414.26
24    Fee and services income/Non-interest income70.4357.2755.0266.62
25    Salaries and employee benefits/Operating expenses40.6946.0750.7643.07
26    Operating expenses/Net interest income75.3981.4674.9476.57
27Efficiency Ratio (Millions of Baht)    
28    Average net assets/Number of bank's branches2,234.222,014.763,286.812,262.90
29    Average net assets/Number of bank's employees109.8295.43100.83105.27
30    Net profit (loss)/Number of bank's employees (Per year)1.430.990.901.26
31    Net profit (loss)/Number of bank's branches (Per year)29.0620.8929.2527.07
32    Salaries and employee benefits/Number of bank's employees (Per year)0.940.921.160.96

1/ Since December 2007, Peer group (Thai Commercial Banks) has been adjusted.
2/ Thai Commercial Banks : exclude Retail Banks and Subsidiary.
3/ Large Bank : 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/ 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.