|
 Y-Y Report (The Bank only) |
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| Balance Sheet |
| |
2009 |
%Change |
2008 |
%Change |
2007 |
|
Asset |
415,870 |
0.38 |
414,299 |
1.89 |
406,628 |
|
Loans |
277,462 |
(0.24) |
278,127 |
10.91 |
250,770 |
| - NPL |
24,841 |
6.07 |
23,419 |
27.99 |
18,297 |
|
Deposit |
324,379 |
(5.66) |
343,846 |
3.10 |
333,510 |
| Equity |
42,506 |
4.42 |
40,708 |
12.79 |
36,093 |
| Paid-up Shares |
21,128 |
- |
21,128 |
- |
21,128 |
| Share Outstanding |
2,113 |
- |
2,113 |
- |
2,113 |
| Income Statement |
| |
2009 |
%Change |
2008 |
%Change |
2007 |
|
Interest Income |
17,990 |
(16.04) |
21,428 |
(6.90) |
23,017 |
| Interest Expense |
(5,402) |
(38.39) |
(8,768) |
(20.76) |
(11,065) |
| Net Interest Income |
12,588 |
(0.57) |
12,660 |
5.92 |
11,952 |
| Non-Interest Income |
4,526 |
13.41 |
3,991 |
10.89 |
3,599 |
| Gross Income |
17,114 |
2.78 |
16,651 |
7.07 |
15,551 |
| Operating Expense |
(9,568) |
(5.64) |
(10,140) |
(4.23) |
(10,588) |
| Pre-Provision Profit |
7,546 |
15.90 |
6,511 |
31.19 |
4,963 |
| Provision for Bad Debt |
(2,254) |
98.59 |
(1,135) |
(83.64) |
(6,936) |
| Reversal (Loss) from Debt restructure |
45 |
7.14 |
42 |
(133.87) |
(124) |
| Tax |
(1,381) |
(14.28) |
(1,611) |
- |
- |
| Net Profit |
3,956 |
3.91 |
3,807 |
(281.55) |
(2,097) |
| Financial Ratios |
| |
2009 |
2008 |
2007 |
| EPS (Bt./Share) |
1.87 |
1.81 |
(0.99) |
| ROE (%/Year)* |
9.51 |
9.95 |
(5.76) |
| ROA (%/Year)* |
0.95 |
0.93 |
(0.51) |
| Book Value (Bt./Share) |
20.12 |
19.26 |
17.08 |
| BIS (%) |
|
10.28 |
12.89 |
| - Tier 1 |
10.43 |
9.61 |
11.80 |
| - Tier 2 |
4.12 |
0.67 |
1.09 |
* Annualized
** Basel II
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Organization Chart
