RELATIONSINVESTOR  
Investor Relations
Baht in million
  Year 2019 Year 2018 Year 2017
Fiancial Position      
Loans and Accrued Interest Receivables 4,919.77 5,406.01 5,675.40
Loans (Less Allowance for Doubtful Accounts) 4,787.06 5,239.11 5,508.50
Deposits 5,735.86 5,376.01 7,277.70
Liabilities 6,521.57 5,639.34 7,631.81
Assets 8,063.35 7,159.35 8,915.25
Equity 1,541.78 1,520.01 1,283.44
Operating Performance      
Interest Income 335.96 388.00 523.02
Interest Expense 131.62 201.76 266.63
Net Interest Income 204.34 186.24 256.39
Non Interest Income 31.17 27.01 41.02
Other Operating Expenses 170.23 169.57 165.32
Operating Profit before Allowance for Doubtful Accounts 55.22 43.67 132.09
Bad Debt, Doubtful Accounts and Loss on Impairment 10.07 -1.14 42.38
Net Profit 44.72 36.08 72.40
Financial Ratio (percent)      
Net Interest Income to Total Assets 2.53 2.60 2.88
Loans to Deposits 83.74 100.43 77.82
Capital Adequacy Ratio 23.97 22.45 17.49
Return on Assets 0.55 0.45 0.79
Return on Equities 2.9 2.37 5.64

Remark
The calculation of Capital Adequacy Ratio on 2017 has been changed from Basel I to Basel III since July 1,2017.