Total Assets

(Million Baht)

Net Profit

(Million Baht)

Total Equity

(Million Baht)

Financial Highlights

(Unit Million Thai Baht or as otherwise indicated)

2018 2019 1
(Restated)
2020 2021 1Q2022
Total Assets 107,653 119,919 132,070 125,904 124,805
Total Liabilities 65,804 78,724 90,273 83,148 81,746
Total Equity 41,849 41,196 41,797 42,756 43,059
Total Operating Income 7,982 10,104 10,053 10,747 2,028
Total Operating Expenses 2,935 3,757 2,658 2,727 598
Net Profit 5,202 10,679 1,841 2,600 312
Basic Earnings Per Share (EPS) (Baht) 1.90 3.88 0.57 0.80 0.10
Debt to Equity Ratio (D/E ratio) (Times) 1.57 1.91 2.16 1.94 1.90
Return on Equity (ROE)* (%) 2 12.55 21.32 11.05 13.75 2.31
Return on Asset (ROA)* (%) 3 5.01 7.08 3.64 4.51 0.79
Specific Ratio for Business
Cash Collection from NPL Management business to net NPLs (%) 4 14.55 18.40 10.83 11.54 2.77
Allowance for expected credit losses to NPLs (%) 5 7.69 7.47 14.56 19.56 20.65
Cash Collection from NPA Management business to net NPAs (%) 6 29.12 24.75 17.76 24.54 3.69
Allowance for impairment of NPAs to NPAs (%) 7 2.47 2.04 1.71 1.69 1.67

Remark

1 The Company has restated the financial position statement as of 31 December 2019, and the statements of comprehensive income and changes in equity for the year ended, resulting in changes to some financial ratios.

Revised calculation method for Return on Equity (ROE) and Return on Assets (ROA) are calculated following the attached to the SEC. Notification of the Capital Market Supervisory Board No. Tor Chor. 44/2013, amended by the Notification of the Capital Market Supervisory Board No. Tor Chor. 44/2020 (No. 19)

2 Return on Equity is calculated from profits before interest and income tax expenses *100 divided by total equity (average)

3 Return on Assets is calculated from profits before interest and income tax expenses *100 divided by total assets (average)

4 Cash collection from NPL management business to net NPLs is calculated from the sum of cash collection received from NPL management business divided by credit for purchase of receivables - net (average).

5 Allowance for expected credit losses to NPLs is calculated from allowance for doubtful accounts of credit for purchase of receivables divided by credit for purchase of receivables (before less allowance for doubtful accounts).

6 Cash collection from NPA management business to net NPAs is calculated from the sum of cash collection received from NPA management business divided by the sum of (i) properties foreclosed - net; (ii) installment sale receivables - net(average).

7 Allowance for impairment of NPAs to NPAs is calculated from Allowance for impairment of NPAs divided by properties foreclosed (after revaluation).