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As at and for the year ended 31 December Consolidated
  2014 2013 2012 2011 2010
Operating Performance (Million Baht)          
Interest Income 52,940 54,108 49,081 44,258 35,027
Interest Expenses 25,475 27,615 25,786 19,943 11,998
Net Interest Income 27,465 26,493 23,295 24,315 23,029
Non-interest Income 12,443 26,488 12,487 10,610 10,117
Net Operating Income (1) 39,908 52,981 35,782 34,925 33,146
Other Operating Expenses 19,830 20,624 21,896 20,940 16,347
Impairment Loss of Loans and Debt Securities 7,084 11,419 2,900 2,077 1,653
Profit before Income Tax 12,994 20,938 10,986 11,908 15,146
Income Tax 2,558 4,288 2,360 3,136 4,844
Profit for the Year from Continuing Operations 10,436 16,650 8,626 8,772 10,302
Profit for the Year from Discontiued Operations - 354 1,212 - -
Profit for the Year 10,436 17,004 9,838 8,772 10,302
Net Profit of the Company 5,120 9,231 5,509 5,002 5,639
Non-controlling Interest 5,316 7,773 4,329 3,770 4,663
Operating Performance Ratio (Percent)          
Return on Average Assets (ROAA) 1.02 1.65 1.05 1.00 1.41
Return on Average Equity (2) (ROAE) 10.39 20.36 13.37 13.64 16.46
Interest Spread (3) 2.55 2.54 2.51 2.76 3.15
Credit Cost 0.89 1.36 0.36 0.31 0.28
Cost to Income Ratio (4) 49.69 38.67 59.19 59.96 49.32
Financial Position (Million Baht)          
Loans 755,656 791,174 755,330 637,104 609,646
Non-performing Loans (NPLs) 33,800 37,540 34,307 40,188 39,663
Total Assets 1,025,630 1,050,914 1,026,679 897,962 882,757
Deposits and Debts Issued and Borrowings 795,367 825,221 782,927 698,518 717,100
Total Liabilities 921,354 955,474 941,445 820,751 811,038
Total Equity 104,276 95,440 85,234 77,211 71,719
Equity Attributable to the Company 51,353 47,369 43,586 39,130 36,092
Financial Position Quality (Percent)          
Loans to Deposits and Debts Issued and Borrowings Ratio 95.01 95.87 96.48 91.21 85.02
NPL-gross to Total Loans 4.21 4.49 4.32 5.94 6.00
NPL-net to Total Loans 2.07 2.30 2.17 2.84 2.71
Coverage Ratio (5) 84.81 82.61 73.19 68.38 69.73
Reserve to Required Reserve (6) 132.64 127.36 124.12 107.01 113.14
Capital Adequacy (Consolidated Supervision of the Bank of Thailand)          
Tier I Capital Ratio (Percent) 9.03 9.07 7.50 8.48 10.44
Total Capital Ratio (Percent) 13.60 14.31 12.07 12.53 13.08
Risk Weighted Assets (Million Baht) 809,396 780,045 750,120 679,718 618,584
Common Share Information          
Information per Share (Baht)          
Basic Earnings per Share 4.24 7.49 4.31 3.91 4.41
Book Value 42.56 39.26 34.11 30.62 28.24
Dividends (7) 0.60 1.60 1.40 1.20 1.20
Common Shares Outstanding (Million Share)          
Average-Basic 1,206 1,232 1,278 1,278 1,278
End of Year 1,206 1,206 1,278 1,278 1,278
Share Price (8) (Baht)          
High 38.75 50.25 41.75 38.00 41.75
Low 30.00 29.75 24.60 23.50 18.10
Closing 31.75 32.25 37.75 26.75 36.00
Market Capitalization (Million Baht) 38,306 38,909 48,238 34,182 46,002
Other Information          
Employees 14,971 15,427 15,840 16,380 16,932