Krung Thai Loan grew 12.6%
Mr. Phayong Srivanich Managing Director Krung Thai Bank Revealed that the operating results of the year 2021, the Bank and its subsidiaries had a net profit attributable to the bank equal to 21,588 million baht, an increase of 29.0% from the same period last year.
Based on the strong loan growth of 12.6% from the end of last year. Increased the level of Coverage ratio to 168.8%, up from 147.3% at the end of 2020 in response to economic uncertainty. There is continuous good asset quality management and control, with NPLs Ratio-Gross at 106,809 million baht from 107,138 million baht The NPL ratio was 3.50%, down from 3.81% at the end of last year. The bank set a provision for an expected credit loss of 32,524 million baht, although a 27.6% drop from the same period last year. but also to set aside a high level of reserve
Bangkok Bank earns “strong”
Bangkok Bank earn interest 82,156 million baht, an increase of 6.6% from 77,046 million baht in the same period last year. Non-interest income 52,385 million baht, an increase of 25.7%, while net fee and service income. 29,209 million baht, an increase of 18.2% from 24,711 million baht, other operating income. 23,176 million baht, an increase of 36.6% from 16,971 million baht, the expense-to-income ratio decreased by 5.6% to 50.0% from 55.6%.
Meanwhile, total credit impairment before deducting allowance for credit loss was at (Gross NPL) at 101,103 million baht, a decrease of 3.2% from 104,401 million baht in the same period last year. Total with credit impairment Total loans stood at 3.2%, down from 3.9% in the same period last year.
SCB controls NPL in year 65 lower than 4% loan growth 3-5%
Siam Commercial Bankhave income, not interest 55,171 million baht increased 15.3% from 47,869 million baht NPLs 109,114 million baht NPL to total loan ratio 3.79%, an increase of 7.5% from 101,462 million baht or NPL ratio of 3.68%, with preliminary 2022 financial target, loan growth rate 3-5%, net interest margin 2.9-3.0%, expense-to-income ratio 40% early to mid NPL ratio less than 4.0%
Kasikorn Bank have net interest income 119,390 million baht, an increase of 9.51% from 109,022 million baht fee and service income 35,316 million baht increased 7.01% from 33,004 million baht Additional loans 7.88%, additional deposits 10.82%, dividend income increased 38.81%, Gross NPL104,036 million baht or NPL ratio to total loans 3.76% from 101,007 million baht or 3.93%.
Bank of Ayudhya Total non-interest income and fees were 28,075 million baht, an increase of 12,956 million baht or 85.7% from 15,119 million baht. non-interest income 44,926 million baht, an increase of 37.5% or 12,243 million baht from 32,683 million baht Cost to income ratio 39.8% from 42.5% NPLs 47,448 million baht NPL to total loan ratio 2.20% from 45,672 million baht or 2.0%
TTB Bank NPLs 42,121 million baht NPL ratio to total loans 2.82%from 39,594 million baht or 2.50% TISCO Bank have net fee and service income 5,608 million baht an increase of 9.0% from 5,146 million baht Non-performing loans In the year 2021 there are 4,957.31 million baht, decreased 661.18 million baht or 11.8%, representing the ratio of non-performing loans to total loans 2.4% from 2.5% at the end of last year
Kiatnakin Phatra Bank Both net interest income and non-interest income increased 7.0% to 15,701 million baht from 14,679 million baht at the end of last year, and non-interest income increased 30.4% to 8,545 million baht from 6,554 million baht, including operating income. Increase 14.2% with a loss of 1,504 million baht, an increase of 68.2% from 894 million baht at the end of last year.
In addition, losses from foreclosure sales increased in 2021, but profits from real estate sales in 2021 increased by 41%. 9,498 million baht or 3.0% of total loan from 7,751 million baht or 2.9% of total loan
BankLHFG have net interest income 5,439.1 million baht, an increase of 15.1% from 4,725.7 million baht Net fee and service income 855.5 million baht, an increase of 17.6% from 727.6 million baht. 5,109.7 million baht, a decrease of 258.3 million baht, or a 4.8% decrease. NPL to total loan ratio 2.44% from 2.77% at the end of last year
andCIMB Thai It had a net profit of 2,440.6 million baht, an increase of 89.1% of 1,150 million baht from 1,291 million baht at the end of last year. This is mainly due to better cost control. This resulted in an 8.1% drop in operating expenses and a 25.7% drop in expected credit losses, while operating income fell 3.9%. Non-performing loans (NPLs) were at 7.9 billion baht NPL ratio to total loans was 3.7%, a drop compared to 4.6% as of December 31, 2020, mainly due to sales of non-performing loans in 2021, effective risk management. Improving asset quality management and debt collection processes
The net interest rate spread remains strong.
- Bangkok Plc. was 2.10% from the same period last year at 2.24%.
- Krung Thai Plc. 2.49%from 2.76%
- Siam Commercial Plc. 3.00% from 3.23%
- Kasikornbank Plc. 3.21% from 3.27%
- Krungsri Ayudhya PCL 3.24%from 3.47%
- TTB Public Company Limited 2.97%from 3.00%
- Plc. 4.84% from 4.62%
- Kiatnakin Phatra PCL. 5.3% from 5.5%
- LH 2.21% from 2.17% the same period last year and
- CIMB Thai Plc. 3.1% from 3.2%
–Krungsri-TTB Two-factor traction Omikron hoop
Thai economic outlook Krungsri Bank stated that Key economic growth drivers foryear 2565including domestic spending The number of foreign tourists has improved. and the recovery of the industrial economy. Exports are expected to expand at a slower rate in line with the growth of trading partners.
In addition, the Thai economy may grow at a lower rate than the forecast (it is expected that in 2021 the Thai economy will expand 1.2% and will expand 3.7% inYear 2022) if the effects of the virus mutation are more severe and lasting than expected.
while ttb analytics The overall Thai economy is expectedYear 2022 will expand continually at 3.9%, supported by both domestic economic activity that has continuously recovered. good export growth and the gradual recovery of the tourism sector in the second half of the year. However, the outbreak of the omikron strain that began in late 2021 is expected to affect the economic recovery. especially during the first quarter of the year 2565
