| Consolidated |
2009 |
2010 |
2011 |
|
| Operating Results (Million Baht) |
| Total interest income |
8,395 |
9,443 |
12,376 |
| Net interest income |
5,675 |
6,861 |
6,916 |
| Non-interest income |
2,756 |
3,762 |
4,165 |
| Operating expenses |
(4,031) |
(4,518) |
(4,935) |
| Pre-provision operating profit |
4,400 |
6,106 |
6,147 |
| Allowance for doubtful accounts |
(1,554) |
(1,947) |
(1,291) |
| Pre-tax and minority interest profit |
2,845 |
4,159 |
4,856 |
| Net profit |
1,988 |
2,888 |
3,267 |
| |
|
|
|
| ROAA (%) |
1.5 |
1.9 |
1.7 |
| ROAE (%) |
16.5 |
21.1 |
21.0 |
| Loan spread (%) |
4.8 |
4.8 |
3.7 |
| Net interest margin (%) |
4.4 |
4.5 |
3.6 |
| Cost-to-income (%) |
47.8 |
42.5 |
44.5 |
| |
|
|
|
| Balance Sheet Information (Million Baht) |
| Loans and receivables |
113,233 |
149,731 |
185,014 |
| Total assets |
138,804 |
171,408 |
220,709 |
| Total deposits and bills of exchange |
110,507 |
123,849 |
170,626 |
| Debentures |
5,000 |
7,000 |
7,000 |
| Total liabilities |
126,286 |
156,550 |
204,420 |
| Total shareholders' equity |
12,519 |
14,857 |
16,289 |
|
|
|
|
| BIS Ratio (%) |
17.0 |
15.2 |
14.5 |
| Tier I Capital (%) |
14.5 |
11.3 |
9.5 |
| NPL (%) |
2.5 |
1.8 |
1.4 |
| Coverage Ratio (%) |
86.4 |
156.8 |
169.6 |
| |
|
|
|
| Share Information (Baht/Share) |
| Diluted earnings per share |
2.62 |
3.97 |
4.49 |
| Book value per share |
17.22 |
20.41 |
22.38 |
*Financial statements of TISCO were disclosed in accordance with the revised and new accounting standards. |
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