RELATIONSINVESTOR  
Investor Relations
Baht in million
  Year 2018 Year 2017 Year 2016
Fiancial Position      
Loans and Accrued Interest Receivables 5,406.01 5,675.40 6,764.92
Loans (Less Allowance for Doubtful Accounts) 5,239.11 5,508.50 6,642.67
Deposits 5,376.01 7,277.70 7,775.20
Liabilities 5,639.34 7,631.81 8,128.80
Assets 7,159.35 8,915.25 9,394.57
Equity 1,520.01 1,283.44 1,265.77
Operating Performance      
Interest Income 388.00 523.02 544.96
Interest Expense 201.76 266.63 241.44
Net Interest Income 186.24 256.39 303.52
Non Interest Income 27.01 41.02 45.73
Other Operating Expenses 169.57 165.32 157.79
Operating Profit before Allowance for Doubtful Accounts 43.67 132.09 191.46
Bad Debt, Doubtful Accounts and Loss on Impairment (1.14) 42.38 71.22
Net Profit 36.08 72.40 96.64
Financial Ratio (percent)      
Net Interest Income to Total Assets 2.60 2.88 3.23
Loans to Deposits 100.43 77.82 86.96
Non-Performing Loans to Total Loans 25.06 23.11 6.44
Capital Adequacy Ratio 22.45 17.49 17.57
Return on Assets 0.45 0.79 1.19

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