Financial Highlights

 

Baht million

The Consolidated Financial Statements 2015 2016 2017
Financial Position      
Investment in receivables (net) 2,899 2,554 2,170
Loans (net Deferred revenue) 177,681 176,354 192,107
Allowance for doubtful accounts  & troubled debt *restructuring (9,546) (10,966) (10,576)
Total assets 236,144 233,776 259,335
Deposits 104,327 109,923 132,878
Debt issued and borrowings 61,085 56,055 56,658
Total liabilities 197,988 193,259 217,787
Total equity 37,929 40,298 41,332
Comprehensive Income      
Net interest income 9,449 10,433 10,628
Fees and services  income  (net) 3,471 3,707 4,055
Gain from sale of foreclosed assets (381) 545 (209)
Total operating income 15,057 16,156 16,298
Total operating expenses 7,822 7,352 8,578
Impairment loss of loans and debt 3,208 2,313 763
Profit from operating before income 4,027 6,490 6,956
Net profit (attributable to equity) 3,317 5,547 5,737
Financial Ratio      
Return on average  equity 8.9 14.2 14.1
Return on average  assets 1.4 2.4 2.3
Loan spread 4.5 4.9 5.2
Loan to deposit and borrowing 107.6 106.3 101.8
NPL to total loans 5.8 5.6 5.0
Loan loss reserve to NPL 91.9 110.1 109.8
Cost to income  ratio 51.9 45.5 48.2
Capital  Adequacy Ratio (Separate) 16.5 18.5 16.5
Branches  and Employees      
Branches 65 66 66
Employees 4,127 4,120 4,497
KK Share Information      
Share price - High (Baht) 41.0 60.8 79.8
Share price - Low (Baht) 29.5 34.8 53.5
Share price - Close (Baht) 36.3 59.0 79.3
Share price - Average (Baht) 35.6 50.0 69.1
No. of share outstanding ('000  shares) 846,751 846,751 846,751
Market Capitalization (Baht million) 30,695 49,958 67,105
EPS - Basic (Baht) 3.9 6.6 6.8
EPS - Diluted (Baht) 3.9 6.6 6.8
PE ratio (time) 9.3 9.0 11.7
PBV ratio (time) 0.8 1.2 1.6
Book Value per share (Baht) 44.8 47.6 11.7
Dividend per share (Baht)* 3.0 6.0 5.0
Dividend payout (%) 76.6 91.6 73.8
Dividend yield (%) 8.3 10.2 6.3
Credit  ratings by TRIS Rating Co., Ltd.      
Company  rating A- A- A-
Rating Outlook Positive Stable Stable

 

* Dividend payment for the year 2017 at the rate of Baht 5.00 per ordinary share, the interim dividend of Baht 2.00 per ordinary share was paid on September 22, 2017, while the remaining Baht 3.00 per ordinary share will be proposed to the meeting of the ordinary shareholders on April 24, 2018