Consolidated financial statements Key financial ratios FY2021 FY2020* FY2019** FY2018 FY2017 Profitability Return on equity (ROE) 5.1% 5.1% 6.5% 12.4% 10.0% Return on assets (ROA) 0.6% 0.5% 0.7% 1.4% 1.1% Cost to income ratio 1/ 47.6% 45.8% 50.6% 36.4% 47.3% Net interest margin (NIM) 2.97% 3.00% 2.81% 2.94% 3.13% Liquidity Loan to deposit (LDR) 2/ 103% 101% 100% 106% 105% Current and saving accounts to total deposits (CASA) 3/ 88% 86% 70% 88% 86% Capital adequacy Tier I ratio (Tier I) 15.3% 15.5% 14.6% 13.5% 13.3% Capital adequacy ratio (CAR) 19.3% 19.6% 18.9% 17.3% 17.4% Asset quality NPL ratio 2.81% 2.50% 2.35% 2.76% 2.35% Coverage ratio 129% 131% 120% 152% 143% Others Book value per share (THB/Share) 2.18 2.12 2.02 2.25 2.05 Number of employees 15,102 17,012 19,432 8,373 8,547 Number of branches 636 733 895 416 431 Number of ATMs and ADMs 3,894 4,372 4,837 2,891 2,841 Note: * TFRS 9 Adoption and certain accounts in the 2020 financial statement, have been reclassified to conform to the presentation in the 2021 financial statements. ** Statement of comprehensive income consolidated TBANK’s result for 28 days (4-31 December 2019), Statement of financial position included TBANK’s results as of 31 December 2019 1/ Excluded extra ordinary items and credit related items 2/ Excluded interbank and money market items 3/ FY2019-2020 CASA included No-Fixed, ME and Ultra Saving and excluded NCD, FY2016-2018 CASA included No-Fixed, ME and excluded NCD and FCD Note: Consolidated financial statements Note: Consolidated financial statements Asset quality NPL ratio Coverage ratio Capital adequacy Tier I ratio Capital adequacy ratio (CAR) FY2017 FY2018 FY2019 FY2020 FY2021 2.35% 2.76% 2.35% 2.50% 2.81% 143% 152% 120% 131% 129% FY2017 FY2018 FY2019 FY2020 FY2021 13.3% 17.4% 13.5% 17.3% 14.6% 18.9% 14.6% 18.9% 5 5 9 6 15.3% 19.3% Form 56-1 One Report 2021 41
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