3.232
Revenue฿B
30.61
30.88
31.40
31.69
31.42
32.30
33.48
33.70
34.33
34.71
3.361
2.01%
1.59%
44
8.22
Revenue growth%
19.14
18.52
19.36
22.07
20.49
19.95
19.69
21.79
21.93
22.37
29.20
21.79
20.22
75
11.89
NIM%
11.27
9.29
9.48
10.33
12.09
12.46
13.08
12.70
11.48
9.73
24.74
12.46
11.37
19
22.15
Effic. R.%
7.15
6.10
8.87
5.90
4.05
3.63
1.95
0.40
2.77
5.27
2.32
2.77
4.66
95
29.09
Net margin%
33.28
34.11
35.47
37.26
36.48
35.60
35.78
36.27
34.96
36.82
13.31
35.78
35.69
20
24.85
P/E ratio (avg)x
47.74
53.29
61.17
60.82
68.26
79.20
77.56
82.35
85.65
87.27
15.27
82.35
72.91
84
17.84
P/TBVx
47.96
55.49
54.85
61.72
66.74
71.23
74.11
74.23
71.58
72.00
24.20
72.00
68.98
92
13.60
P/Bx
20.67
22.88
23.87
24.41
23.89
21.59
22.24
25.22
27.38
28.70
32.43
25.22
23.88
68
23.19
NII฿B
17.34
17.41
18.28
18.20
17.90
18.33
19.04
19.05
19.74
20.02
19.35
2.26%
1.72%
—
11.91
NII grth%
29.49
29.68
32.23
30.19
28.15
30.87
32.48
33.38
33.97
32.18
5.60
32.48
31.52
66
27.49
ROTE%
10.05
8.73
10.35
9.47
10.59
12.85
12.73
12.21
13.40
12.00
28.79
12.73
11.29
94
16.06
Return on equity%
23.13
23.31
25.24
26.48
24.32
23.89
25.62
25.82
25.49
28.33
17.78
25.62
25.36
70
24.78
Return on assets%
4.86
4.80
6.19
4.72
4.44
3.25
4.03
4.68
2.28
3.42
29.49
3.42
4.56
13
6.80
EPS฿
16.15
18.68
19.24
19.56
20.85
20.21
23.61
26.49
27.48
28.51
7.05
6.46%
7.20%
—
4.80
EPS growth%
34.16
32.83
30.16
28.42
28.58
31.02
31.78
29.90
28.61
27.71
2.65
29.90
30.03
40
15.90
Bookvalue per sh฿
5.90
6.40
6.89
7.29
7.34
7.70
8.05
7.57
7.51
8.31
4.18
2.52%
3.89%
—
7.31
TBV/sh฿
18.94
18.95
21.60
23.23
22.61
21.23
22.58
24.24
22.65
26.20
13.13
2.99%
4.47%
—
18.31
Dividend per sh฿
20.26
19.95
18.69
20.61
19.40
20.59
23.62
22.75
22.81
23.97
14.54
4.32%
2.55%
—
29.24
Div yield (avg)%
19.28
18.58
21.57
22.28
23.06
22.00
24.72
27.14
24.95
24.85
21.13
24.85
22.67
19
28.88
Payout ratio%
2.87
5.01
3.10
3.85
3.65
3.51
4.29
7.09
9.03
6.99
14.94
6.99
4.07
27
0.788
Shares (diluted)B
0.719
0.788
0.785
0.823
0.880
0.946
1.023
1.138
1.103
1.166
0.819
5.79%
4.04%
60
10.61
Buyback yield%
17.34
15.41
18.14
16.00
13.17
14.50
14.20
16.28
14.74
15.93
18.63
14.74
15.67
57
75.89
Eq/Assets%
167.28
161.01
161.29
164.99
187.87
177.15
201.75
210.47
221.85
235.82
95.86
210.47
182.51
49
20.97
Assets฿B
55.78
64.23
68.13
77.32
84.27
86.22
94.90
104.6
112.6
125.8
26.23
8.33%
9.45%
91
23.04
LT debt฿B
18.42
19.23
22.10
22.52
21.81
23.59
25.84
27.69
31.51
31.34
25.45
7.52%
7.13%
19
Total assets
฿125.8B
9.45%
2.11×
Revenue
฿34.71B
1.59%
1.00×
Non-interest expense
฿17.76B
1.41%
0.98×
Net interest income
57.66%
Non-interest income
42.34%
Spread over hurdle
22.82%