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Viion and iion The Thai Credit Retail Bank Public Company Limited Thai Credit i paionate about roin our cutomer buine and improin cutomer lie by proidin uniue and innovative micro inancial erice Viion iion Core alue 1 2 Proide the bet Create a paionate inancial erice oraniation that T B to micro ement i proud o hat cutomer nationide e do Team Spirit Best Service C L 3 4 Leadership Credibility Create hareholder elp buildin alue and repect knolede and takeholder interet dicipline in R I inancial Literacy Result Oriented Integrity to all our cutomer The Thai Credit Retail Bank Public Company Limited 1 Financial Highlights Consolidated 2019 2018 Financial Position (Million Baht) Total Assets 56,494 50,034 Loans 50,916 44,770 Allowance for Doubtful Accounts 2,712 2,379 Non-Performing Loans (Net NPLs) 1,243 1,261 Non-Performing Loans (Gross NPLs) 2,490 2,552 Liabilities 49,491 43,757 Deposits 47,193 42,037 Equity 7,003 6,277 Statement of Profit and Loss (Million Baht) Interest Income 5,868 4,951 Interest Expenses 1,024 901 Net Interest Income 4,844 4,050 Non-Interest Income 293 184 Total Operating Income 5,137 4,234 Total Operating Expenses 2,995 2,416 Bad Debts, Doubtful Accounts and Impairment Loss 1,254 854 Income Tax 178 193 Net Profit 710 771 Financial Ratio Return on Average Assets (ROAA) (%) 1.35 1.62 Return on Average Equity (ROAE) (%) 10.87 13.20 Profit per Share (baht) 1.42 1.54 Non-Interest Expenses to Total Income (%) 58.30 57.06 Total Capital Fund to Risk Assets (%) 14.34 15.13 Total Tier 1 Capital Fund to Risk Assets (%) 13.30
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