Bank of Thailand (Statistical Data) FI_RT_004_S3 Average of Ratio of Thai Commercial Banks (Peer Group) 1/ 2/

		Q4/2019
		Large Thai Commercial Bank 3/	Medium Thai Commercial Bank 4/	Small Thai Commercial Bank 5/	Average Thai Commercial bank
1	Number of Bank (Places)	5	3	6	14
2	Financial Ratio
3	Asset Quality and Capital Adequacy Ratio (%)
4	Capital funds/Risk assets	18.21	24.18	19.57	19.14
5	Tier 1 Capital/Risk assets	15.03	20.81	15.78	15.88
6	Off-balance-sheet Transactions/Assets	127.98	77.63	353.39	140.11
7	Loan to related parties/Loans	2.88	6.68	4.80	3.58
8	Non - performing loan/Loans	3.37	2.39	2.51	3.16
9	Actual allowance/Required allowance	203.61	150.54	175.92	196.12
10	Problem assets/Assets plus allowance	2.95	2.07	2.19	2.76
11	Loans/Deposits	108.06	109.12	114.23	108.67
12	Liquidity Coverage Ratio (LCR) 6/	197.91	140.80	157.91	183.70
13	Profitability Ratio (%)
14	Interest income/Average net assets (Per year)	3.93	4.26	4.25	4.00
15	Interest expenses/Average net assets (Per year)	1.24	1.47	1.63	1.31
16	Net interest income/Average interest earning assets (Per year) (NIM)	2.82	2.90	2.83	2.83
17	Non-interest income/Average net assets (Per year)	2.39	2.31	1.02	2.25
18	Operating expenses/Average net assets (Per year)	2.33	2.30	2.07	2.30
19	Profit (loss) from operation/Average net assets (Per year)	2.75	2.80	1.57	2.65
20	Net profit (loss)/Average net assets (Per year) (ROA)	1.41	1.79	1.11	1.43
21	Non-interest income/Total income	37.79	35.21	19.33	36.03
22	Gain (loss) on investments in securities/Non-interest income	31.57	32.83	11.55	30.95
23	Gain (loss) on foreign exchanges/Non-interest income	9.33	5.50	28.86	9.56
24	Fee and services income/Non-interest income	49.34	40.70	55.04	48.32
25	Salaries and employee benefits/Operating expenses	39.18	44.58	48.14	40.65
26	Operating expenses/Net interest income	86.61	82.53	79.02	85.37
27	Efficiency Ratio (Millions of Baht)
28	Average net assets/Number of bank's branches	2,750.33	2,340.93	4,796.07	2,785.80
29	Average net assets/Number of bank's employees	127.03	101.88	126.27	122.71
30	Net profit (loss)/Number of bank's employees (Per year)	1.79	1.82	1.40	1.76
31	Net profit (loss)/Number of bank's branches (Per year)	38.74	41.79	53.17	39.97
32	Salaries and employee benefits/Number of bank's employees (Per year)	1.16	1.05	1.26	1.15