Financial Highlights

 

Baht million

The Consolidated Financial Statements 2014 (Restated) 2015 2016
Financial Position      
Investment in receivables (net) 3,303 2,899 2,554
Loans (net Deferred revenue) 184,118 177,681 176,354
Allowance for doubtful accounts  & troubled debt *restructuring (8,321) (9,546) (10,966)
Total assets 241,153 236,144 233,776
Deposits 132,297 104,327 109,923
Debt issued and borrowings 42,772 61,085 56,055
Total liabilities 204,242 197,988 193,259
Total equity 36,682 37,929 40,298
Comprehensive Income      
Net interest income 8,913 9,449 10,433
Fees and services  income  (net) 3,452 3,471 3,707
Gain from sale of foreclosed assets (1,279) (381) 545
Total operating income 13,912 15,057 16,156
Total operating expenses 7,550 7,822 7,352
Impairment loss of loans and debt 3,199 3,208 2,313
Profit from operating before income 3,163 4,027 6,490
Net profit (attributable to equity) 2,734 3,317 5,547
Financial Ratio      
Return on average  equity 7.6 8.9 14.2
Return on average  assets 1.1 1.4 2.4
Loan spread 3.9 4.5 4.9
Loan to deposit and borrowing 105.5 107.6 106.3
NPL to total loans 5.6 5.8 5.6
Loan loss reserve to NPL 80.5 91.9 110.1
Cost to income  ratio 54.3 51.9 45.5
Capital  Adequacy Ratio (Separate) 15.2 16.5 18.5
Branches  and Employees      
Branches 86 65 66
Employees 3,984 4,127 4,120
KK Share Information      
Share price - High (Baht) 48.00 41.00 60.75
Share price - Low (Baht) 34.25 29.50 34.75
Share price - Close (Baht) 39.50 36.25 59.00
Share price - Average (Baht) 42.22 35.58 49.98
No. of share outstanding ('000  shares) 842,834 846,751 846,751
Market Capitalization (Baht million) 33,292 30,695 49,958
EPS - Basic (Baht) 3.25 3.92 6.55
EPS - Diluted (Baht) 3.24 3.92 6.55
PE ratio (time) 12.15 9.25 9.01
PBV ratio (time) 0.91 0.81 1.24
Book Value per share (Baht) 43.52 44.79 47.59
Dividend per share (Baht)* 1.85 3.00 6.00
Dividend payout (%) 56.92 76.53 91.60
Dividend yield (%) 4.68 8.28 10.17
Credit  ratings by TRIS Rating Co., Ltd.      
Company  rating A- A- A-
Rating Outlook Positive Stable Stable

 

* Dividend payment for the year 2016 at the rate of Baht 6.00 per ordinary share, the interim dividend of Baht 2.00 per ordinary share was paid on September 23, 2016, while the remaining Baht 4.00 per ordinary share will be proposed to the meeting of the ordinary shareholders on April 24, 2017