|
Balance Sheet |
| |
2Q
2005 |
% Change
(3Q-2Q) |
3Q
2005 |
%
Change
(3Q-3Q) |
3Q
2004 |
Assets |
467,875 |
(1.02) |
463,105 |
(0.63) |
466,040 |
Loans |
298,033 |
0.67 |
300,022 |
(3.60) |
311,229 |
| - NPL |
11,243 |
3.98 |
11,690 |
40.02 |
8,349 |
Deposits |
362,083 |
8.37 |
392,390 |
(1.03) |
396,477 |
| Equity |
34,450 |
(2.24) |
33,680 |
3.98 |
32,391 |
| Paid-up share capital |
21,128 |
- |
21,128 |
- |
21,128 |
| Shares Outstanding |
2 ,113 |
- |
2,113 |
- |
2 ,113 |
|
Income Statement |
| |
2Q
2005 |
% Change
(3Q-2Q) |
3Q
2005 |
%
Change
(3Q-3Q) |
3Q
2004 |
Interest Income |
4,215 |
4.18 |
4,391 |
15.67 |
3,796 |
| Interest Expense |
(1,546) |
(4.40) |
(1,478) |
6.03 |
(1,394) |
| Net Interest Income |
2,669 |
9.14 |
2,913 |
21.27 |
2,402 |
| Non- Interest Income |
1,050 |
(50.19) |
523 |
(7.43) |
565 |
| Gross Income |
3,719 |
(7.16)
|
3,436 |
15.81 |
2,967 |
| Operating Expenses |
(2,025) |
2.72 |
(2,080) |
27.29 |
(1,634) |
| Pre-Provision Profit |
1,694 |
(19.95) |
1,356 |
1.72 |
1,333 |
| Provision for Bad-Debts |
(103) |
(66.02) |
(35) |
(142.68)
|
82 |
| Tax |
(1) |
- |
(1) |
(50.00) |
(2) |
| Net Profit |
1,590 |
(16.98) |
1,320 |
(6.58)
|
1,413 |
|
Performance Ratios |
| |
3Q
2005 |
2Q
2005 |
1Q
2005 |
| EPS (Bt./Share) |
0.62 |
0.75 |
0.79 |
| ROE (%/Year) |
15.50 |
18.42 |
19.74 |
| ROA (%/Year) |
1.13 |
1.35 |
1.42 |
| Book Value (Bt./Share)
|
15.94 |
16.31 |
16.38 |
| BIS ( % ) |
11.41 |
11.63 |
10.67 |
| - Tier 1 |
10.50 |
10.71
|
9.70 |
| - Tier 2 |
0.91 |
0.92 |
0.97 |
|
Products
