 Y-Y Report |
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| Balance Sheet |
| |
2004 |
%Change |
2003 |
%Change |
2002 |
Asset |
472,024 |
0.55 |
469,446 |
(3.44) |
486,178 |
Loans |
333,815 |
3.57 |
322,318 |
(1.37) |
326,781 |
| - NPL |
10,988 |
27.95 |
8,588 |
1,529.60 |
527 |
Deposit |
385,470 |
(5.26) |
406,862 |
(3.71) |
422,553 |
| Equity |
33,237 |
1.78 |
32,656 |
(6.52) |
34,934 |
| Paid-up Shares |
21,128 |
- |
21,128 |
- |
21,128 |
| Share Outstanding |
2,113 |
- |
2 ,113 |
- |
2,113 |
| Income Statement |
| |
2004 |
%Change |
2003 |
%Change |
2002 |
Interest Income |
15,679 |
(8.19) |
17,077 |
3.49 |
16,501 |
| Interest Expense |
(5,767) |
(31.02) |
(8,360) |
(21.68) |
(10,674) |
| Net Interest Income |
9,912 |
13.71 |
8,717 |
49.60 |
5,827 |
| Non-Interest Income |
4,171 |
(26.66) |
5,687 |
34.95 |
4,214 |
| Gross Income |
14,083 |
(2.23) |
14,404 |
43.45 |
10,041 |
| Operating Expense |
(7,225) |
6.66 |
(6,774) |
32.36 |
(5,118) |
| Pre-Provision Profit |
6,858 |
(10.12) |
7,630 |
54.99 |
4,923 |
| Provision for Bad Debt |
(486) |
(87.26) |
(3,815) |
(5.59) |
(4,041) |
| Adjust on Reserve |
- |
- |
- |
- |
- |
| Tax |
(5) |
(97.28) |
(184) |
- |
- |
| Net Profit |
6,367 |
75.35 |
3,631 |
311.68 |
882 |
| Financial Ratios |
| |
2004 |
2003 |
2002 |
| EPS
(Bt./Share) |
3.01 |
1.72 |
0.54 |
| ROE
(%/Year) |
19.33 |
10.75 |
3.29 |
| ROA
(%/Year) |
1.35 |
0.76 |
0.22 |
| Book Value
(Bt./Share) |
15.73 |
15.45 |
16.53 |
| BIS
(%) |
11.27 |
11.59 |
15.54 |
| - Tier 1 |
10.24 |
10.24 |
14.46 |
| - Tier 2 |
1.03 |
1.35 |
1.08 |
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