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Consolidated Financial Statement Yearly

Operating Results (Bt, Mn) 2016 2017 2018
Total interest income
16,012 16,382 17,690
Net interest income 10,920 11,567 12,615
Non-interest income 5,837 6,827 7,418
Operating expense (6,541) (7,671) (8,753)
Pre-provision operating profit 10,216 10,723 11,280
Bad debt and doubtful accounts (3,972) (3,079) (2,701)
Pre-tax and minority interest profit 6,244 7,645 8,578
Net profit 5,006 6,090 7,016
ROAA (%) 1.8 2.1 2.3
ROAE (%)
16.9 18.5 19.4
Loan spread (%)
4.5 4.8 4.9
Net interest margin (%)
4.0 4.2 4.2
Cost-to-income (%) 39.0 41.7 43.7
Balance Sheet Information (Bt, Mn) 2016 2017 2018
Loans and receivables 224,934 251,384 240,654
Total assets 271,272 303,388 302,545
Total Funding Base 218,073 245,202 241,985
Debentures 7,323 6,680 6,680
Total liabilities 239,947 268,657 264,715
Total shareholders' equity 31,326 34,732 37,829
BIS ratio (%) 19.6 20.7 22.9
Tier I Capital (%) 14.7 16.0 17.8
NPL (%) 2.5 2.3 2.9
Coverage ratio (%) 139.8 196.5 169.8
Share Information (Baht/Share) 2016 2017 2018
Diluted earnings per share 6.25 7.61 8.76
Book value per share 39.12 43.38 47.25

*Financial statements of TISCO were disclosed in accordance with the revised and new accounting standards.

Consolidated Quarterly For the year 2018 – Present

Operating Results (Bt, Mn) 2018
Q1
2018
Q2
2018
Q3
2018
Q4
2019
Q1
2019
Q2
Total interest income 4,491 4,411 4,408 4,380  4,390 4,380
Net interest income 3,247 3,179 3,110 3,079  3,102 3,107
Non-interest income 2,182 1,682 1,861 1,693  1,485 1,541
Operating expense (2,296) (2,131) (2,179) (2,147)  (2,317) (2,273)
Pre-provision operating profit 3,134 2,730 2,792 2,624  2,271 2,376
Bad debt and doubtful accounts (914) (534) (788) (465)  (108) (138)
Pre-tax and minority interest profit 2,220 2,196 2,004 2,160  2,162 2,239
Net profit 1,766 1,709 1,815 1,726  1,730 1,798
ROAA (%) 2.3 2.2 2.4 2.3  2.3 2.4
ROAE (%) 19.9 19.5 20.8 18.8  17.9 19.2
Loan spread (%) 5.0 5.0 4.8 4.8  4.8 4.8
Net interest margin (%) 4.4 4.3 4.1 4.0  4.1 4.2
Cost-to-income (%) 42.3 43.8 43.8 45.0  50.5 48.9
Balance Sheet Information (Bt, Mn) 2018
Q1
2018
Q2
2018
Q3
2018
Q4
2019
Q1
2019
Q2
Loans and Receivables 240,764 237,367 240,051 240,654 241,700  241,215
Total Assets 298,323 310,261 306,365 302,545 297,900  292,379
Total Funding Base 237,082 243,554 246,440 241,985 233,606 225,400
Debentures 6,680 6,680 6,680 6,680 6,680 6,680 
Total Liabilities 261,856 276,206 270,457 264,715 258,270  256,730
Total Shareholders' Equity 36,467 34,055 35,909 37,829 39,630  35,649
BIS Ratio (%) 21.5 22.8 22.6 22.9 22.5  23.5
Tier I Capital (%) 16.6 17.7 17.6 17.8 17.5  18.5
NPL (%) 2.34 2.69 2.70 2.86 3.02  3.19
Coverage ratio (%) 202.6 184.9 193.5 169.8 158.0 147.0
Share Information (Baht/Share) 2018
Q1
2018
Q2
2018
Q3
2018
Q4
2019
Q1
2019
Q2
Diluted earnings per share 2.21 2.14 2.27 2.16 2.16  2.25
Book value per share 45.55 42.53 44.85 47.25 49.50 44.52

*Financial statements of TISCO were disclosed in accordance with the revised and new accounting standards.

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