BAY.BK — งบการเงิน (SETSMART)

หุ้นไทย · ข้อมูลงบการเงินจาก SETSMART

📊 CAGR · ตารางสรุป · อัตราส่วนการเงิน

🚀 CAGR อัตราเติบโตทบต้น (ถึงปี 2025)

รายการ	5 ปี	10 ปี	15 ปี	20 ปี
รายได้	6.9%	6.3%	7.7%	9.7%
กำไรสุทธิ	6.6%	5.5%	8.9%	8.7%
สินทรัพย์รวม	0.3%	4.5%	7.7%	7.3%
ส่วนของผู้ถือหุ้น	7.6%	8.1%	10.0%	12.5%
EPS	6.6%	5.5%	7.6%	3.7%
เงินปันผล/หุ้น	13.6%	0.6%	2.7%	0.3%

🧾 สรุปตัวเลขสำคัญรายปี (สีตามทิศ)

รายการ	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
สินทรัพย์รวม (ลบ.)	446,532	435,112	443,566	468,520	524,122	575,356	647,371	666,228	652,387	745,477	780,132	869,834	947,797	1,071,966	1,179,582	1,214,268	1,705,517	1,883,188	2,088,772	2,173,622	2,359,592	2,609,374	2,499,109	2,636,951	2,768,295	2,620,074	2,647,157	—
หนี้สินรวม (ลบ.)	423,603	419,640	428,263	451,434	495,300	542,213	607,014	619,082	574,320	660,109	687,547	770,730	845,102	958,479	1,057,934	1,082,598	1,514,769	1,674,420	1,862,785	1,929,904	2,087,476	2,320,195	2,180,872	2,295,192	2,396,841	2,224,266	2,207,066	—
ส่วนของผู้ถือหุ้น (ลบ.)	22,929	15,354	15,158	16,906	28,573	32,819	39,384	46,374	77,854	85,275	92,414	98,915	102,489	113,322	121,369	131,210	190,355	208,179	225,131	242,637	270,790	287,544	317,516	340,919	368,454	392,007	414,762	—
มูลค่าหุ้นที่เรียกชำระแล้ว (ลบ.)	18,503	18,503	18,503	18,503	28,503	28,511	28,709	29,408	57,477	60,741	60,741	60,741	60,741	60,741	60,741	60,741	73,558	73,558	73,558	73,558	73,558	73,558	73,558	73,558	73,558	73,558	73,558	—
รายได้รวม (ลบ.)	—	24,922	21,737	22,584	23,653	24,751	30,916	42,680	42,330	49,010	51,393	65,320	72,972	83,877	92,459	94,941	106,785	111,840	125,678	143,632	147,917	141,453	134,980	139,110	179,970	203,445	197,377	—
รายได้รวม Growth	—	—	-12.8%	3.9%	4.7%	4.6%	24.9%	38.1%	-0.8%	15.8%	4.9%	27.1%	11.7%	14.9%	10.2%	2.7%	12.5%	4.7%	12.4%	14.3%	3.0%	-4.4%	-4.6%	3.1%	29.4%	13.0%	-3.0%	—
กำไร (ขาดทุน) จากกิจกรรมอื่น (ลบ.)	—	-812	220	1,396	3,475	1,156	1,839	2,012	347	-1,403	774	1,860	2,130	2,519	2,309	2,971	3,983	4,851	5,431	5,502	14,991	4,858	16,952	6,249	7,220	8,206	11,729	—
กำไรสุทธิ (ลบ.)	—	-8,530	-2,667	2,119	3,053	4,673	6,017	1,666	-3,980	4,896	6,659	8,793	9,264	14,625	11,867	14,170	18,634	21,404	23,209	24,813	32,749	23,040	33,794	30,713	32,930	29,700	31,738	—
EPS (บาท)	—	-4.61	-1.44	1.15	1.41	1.64	2.10	0.58	-0.88	0.83	1.10	1.44	1.53	2.41	1.95	2.34	2.54	2.91	3.17	3.37	4.44	3.13	4.59	4.18	4.48	4.04	4.31	—
EPS Growth	—	—	68.8%	179.9%	22.6%	16.3%	28.0%	-72.4%	-251.7%	194.3%	32.5%	31.2%	6.0%	57.5%	-18.9%	19.6%	8.7%	14.6%	8.9%	6.3%	31.8%	-29.5%	46.7%	-9.1%	7.2%	-9.8%	6.9%	—
ราคาเฉลี่ยรายปี (บาท)	16.37	8.64	6.83	6.37	10.64	11.97	12.86	18.03	23.59	16.09	14.75	21.64	24.52	28.58	35.63	40.59	48.29	35.78	38.41	44.58	36.20	28.53	34.02	34.27	30.45	26.21	23.35	32.62
เงินปันผลต่อหุ้น (บาท)	—	—	—	—	—	—	0.80	0.76	0.15	0.30	0.20	0.28	0.64	0.61	0.93	0.73	1.18	0.72	0.82	0.99	1.02	0.78	0.34	0.95	0.92	0.91	0.76	1.03
อัตราผลตอบแทนปันผล (Yield = ปันผล/ราคาเฉลี่ย)	—	—	—	—	—	—	—	4.2%	0.6%	—	1.3%	1.3%	2.6%	2.1%	2.6%	1.8%	2.5%	2.0%	2.1%	2.2%	2.8%	2.7%	1.0%	2.8%	3.0%	3.5%	3.3%	3.2%

📐 อัตราส่วนทางการเงิน (ธนาคาร · สีตามทิศ)

อัตราส่วน	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
— ความสามารถทำกำไร (ธนาคาร) —
NIM (ส่วนต่างดอกเบี้ยสุทธิ)	—	1.2%	0.8%	1.1%	1.3%	2.0%	2.2%	2.5%	2.7%	3.3%	3.4%	4.1%	4.0%	3.7%	3.8%	3.9%	3.3%	3.3%	3.3%	3.5%	3.2%	3.1%	3.1%	3.2%	3.6%	4.1%	4.1%	—
Cost to Income (ค่าใช้จ่าย/รายได้)	—	136.0%	122.6%	69.7%	53.5%	51.2%	45.7%	47.3%	64.2%	58.7%	50.4%	51.9%	51.8%	53.3%	52.1%	50.8%	49.1%	49.8%	49.4%	47.4%	43.4%	44.4%	40.5%	44.4%	45.0%	44.9%	47.4%	—
ROA	—	-2.0%	-0.6%	0.5%	0.6%	0.8%	0.9%	0.3%	-0.6%	0.7%	0.9%	1.0%	1.0%	1.4%	1.0%	1.2%	1.1%	1.1%	1.1%	1.1%	1.4%	0.9%	1.4%	1.2%	1.2%	1.1%	1.2%	—
ROE	—	-55.6%	-17.6%	12.5%	10.7%	14.2%	15.3%	3.6%	-5.1%	5.7%	7.2%	8.9%	9.0%	12.9%	9.8%	10.8%	9.8%	10.3%	10.3%	10.2%	12.1%	8.0%	10.6%	9.0%	8.9%	7.6%	7.7%	—
— สินเชื่อ / เงินฝาก —
Loan / Deposit (สินเชื่อ/เงินฝาก)	93.8%	90.0%	89.9%	91.2%	90.0%	80.8%	77.5%	77.4%	83.5%	98.0%	109.0%	107.0%	123.1%	116.6%	118.7%	116.5%	120.6%	126.6%	113.6%	113.2%	112.0%	96.2%	102.1%	103.8%	105.6%	99.9%	106.7%	—
สินเชื่อสุทธิ (ล้านบาท)	338,671	325,527	337,707	360,704	382,615	401,935	434,119	434,813	417,000	526,453	567,118	616,731	690,087	801,236	907,164	975,621	1,262,083	1,403,285	1,498,845	1,614,984	1,754,976	1,765,623	1,816,869	1,873,491	1,942,700	1,819,635	1,851,162	—
เงินฝาก (ล้านบาท)	361,178	361,630	375,848	395,439	425,341	497,443	560,120	562,065	499,627	537,354	520,515	576,479	560,540	687,159	764,050	837,556	1,046,290	1,108,288	1,319,229	1,426,348	1,566,885	1,834,505	1,779,139	1,804,692	1,839,601	1,822,229	1,735,328	—
— คุณภาพสินเชื่อ (Asset Quality) —
สำรองผลขาดทุนเครดิต/งวด (ECL, ลบ.)	—	6,788	1,324	857	3,393	3,548	6,056	11,322	12,365	6,241	10,216	12,391	9,998	8,207	15,080	15,052	17,144	16,604	20,471	26,180	28,203	33,362	31,604	26,652	35,617	45,782	43,790	—
Credit Cost (สำรอง ECL / สินเชื่อสุทธิ)	—	2.1%	0.4%	0.2%	0.9%	0.9%	1.4%	2.6%	3.0%	1.2%	1.8%	2.0%	1.4%	1.0%	1.7%	1.5%	1.4%	1.2%	1.4%	1.6%	1.6%	1.9%	1.7%	1.4%	1.8%	2.5%	2.4%	—
ค่าเผื่อ ECL สะสม (ลบ.)	30,078	8,584	11,992	22,630	23,359	20,863	21,434	28,926	35,219	32,308	38,600	33,953	31,279	31,029	38,986	39,776	44,944	49,462	55,476	61,360	67,384	—	—	—	—	—	—	—
Coverage (ค่าเผื่อ / สินเชื่อรวม)	8.3%	2.6%	3.5%	6.0%	5.8%	5.0%	4.7%	6.3%	7.8%	5.8%	6.4%	5.2%	4.2%	3.6%	3.9%	3.8%	3.3%	3.3%	3.4%	3.5%	3.5%	—	—	—	—	—	—	—
— ตลาด/ผู้ถือหุ้น (Market) —
Common Shares (หุ้น)	1,850,000,000	1,850,000,000	1,850,000,000	1,850,000,000	2,850,000,000	2,851,076,996	2,870,851,586	2,940,812,475	5,747,746,840	6,074,143,747	6,074,143,747	6,074,143,747	6,074,143,747	6,074,143,747	6,074,143,747	6,074,143,747	7,355,761,773	7,355,761,773	7,355,761,773	7,355,761,773	7,355,761,773	7,355,761,773	7,355,761,773	7,355,761,773	7,355,761,773	7,355,761,773	7,355,761,773	7,355,761,773
Common Shares Adjusted (M)	1,850.00	1,850.00	1,850.00	1,850.00	2,850.00	2,851.08	2,870.85	2,940.81	5,747.75	6,074.14	6,074.14	6,074.14	6,074.14	6,074.14	6,074.14	6,074.14	7,355.76	7,355.76	7,355.76	7,355.76	7,355.76	7,355.76	7,355.76	7,355.76	7,355.76	7,355.76	7,355.76	7,355.76
Book Value / Share (บาท)	12.39	8.30	8.19	9.14	10.03	11.51	13.72	15.77	13.55	14.04	15.21	16.28	16.87	18.66	19.98	21.60	25.88	28.30	30.61	32.99	36.81	39.09	43.17	46.35	50.09	53.29	56.39	—
EPS (บาท)	—	-4.61	-1.44	1.15	1.07	1.64	2.10	0.57	-0.69	0.81	1.10	1.45	1.53	2.41	1.95	2.33	2.53	2.91	3.16	3.37	4.45	3.13	4.59	4.18	4.48	4.04	4.31	—
EPS Growth	—	—	68.7%	179.4%	-6.5%	53.0%	27.9%	-73.0%	-222.2%	216.4%	36.0%	32.0%	5.4%	57.9%	-18.9%	19.4%	8.6%	14.9%	8.4%	6.9%	32.0%	-29.6%	46.7%	-9.1%	7.2%	-9.8%	6.9%	—
Dividend Per Share (บาท)	—	—	—	—	—	—	0.80	0.20	—	0.30	0.33	0.57	0.70	0.80	0.80	0.80	0.80	0.85	0.85	0.85	0.40	0.45	0.75	0.85	0.85	0.85	0.85	0.90
Dividend Yield	—	—	—	—	—	—	—	4.2%	0.6%	—	1.3%	1.3%	2.6%	2.1%	2.6%	1.8%	2.5%	2.0%	2.1%	2.2%	2.8%	2.7%	1.0%	2.8%	3.0%	3.5%	3.3%	3.2%
Dividend Payout Ratio	—	—	—	—	—	—	38.2%	134.9%	-21.8%	37.2%	17.9%	19.1%	41.6%	25.5%	47.8%	31.1%	46.7%	24.6%	26.1%	29.3%	23.0%	24.8%	7.3%	22.7%	20.5%	22.5%	17.7%	—
Market Cap (ลบ.)	30,284	15,984	12,636	11,784	30,324	34,127	36,919	53,023	135,589	97,733	89,594	131,444	148,938	173,599	216,422	246,549	355,210	263,189	282,535	327,920	266,279	209,860	250,243	252,082	223,983	192,795	171,757	239,945
P / BV (เฉลี่ยปี)	1.32	1.04	0.83	0.70	1.06	1.04	0.94	1.14	1.74	1.15	0.97	1.33	1.45	1.53	1.78	1.88	1.87	1.26	1.25	1.35	0.98	0.73	0.79	0.74	0.61	0.49	0.41	—
P / E (เฉลี่ยปี)	—	-1.87	-4.74	5.56	9.93	7.30	6.14	31.82	-34.06	19.96	13.45	14.95	16.08	11.87	18.24	17.40	19.06	12.30	12.17	13.22	8.13	9.11	7.40	8.21	6.80	6.49	5.41	—
Max Price (สูงสุด/ปี)	29.25	16.00	10.00	7.60	14.80	14.70	15.00	22.10	29.75	27.00	22.70	26.00	30.50	37.00	38.75	54.25	104.00	42.00	40.50	51.00	40.50	40.75	39.50	39.25	34.00	29.00	26.00	41.50
Min Price (ต่ำสุด/ปี)	9.80	4.90	4.14	5.05	6.35	9.70	11.40	14.90	15.50	8.30	8.35	18.00	17.80	19.80	27.50	29.75	29.25	27.50	35.50	37.75	29.00	17.70	27.25	28.75	27.25	22.20	20.70	24.10
Price (เฉลี่ย/ปี)	16.37	8.64	6.83	6.37	10.64	11.97	12.86	18.03	23.59	16.09	14.75	21.64	24.52	28.58	35.63	40.59	48.29	35.78	38.41	44.58	36.20	28.53	34.02	34.27	30.45	26.21	23.35	32.62

📊 กราฟสรุป (SETSMART)

📊 กำไรต่อหุ้น & โครงสร้างงบกำไรขาดทุน

เทรนด์กำไรต่อหุ้น (EPS) ย้อนหลัง (บาท)

รายได้รวม & กำไรสุทธิ รายปี (ล้านบาท)

โครงสร้างงบกำไรขาดทุน รายปี (ล้านบาท)

🛡️ คุณภาพสินเชื่อ & การตั้งสำรอง (Asset Quality)

วงจรสำรอง & กำไร รายปี (ล้านบาท)

คุณภาพสินเชื่อ: NPL / Coverage / Credit Cost

📈 แนวโน้มสัดส่วนงบดุล (Common-Size · % ของสินทรัพย์รวม)

สินทรัพย์ (% ของสินทรัพย์รวม)

หนี้สิน (% ของสินทรัพย์รวม)

ส่วนของผู้ถือหุ้น (% ของสินทรัพย์รวม)

📅 งบการเงินรายไตรมาส — แบบชีตวิเคราะห์ (SETSMART, 1999-2026)

งบดุล (แบบชีต · ล้านบาท · เลื่อนดูปีย้อนหลัง →)

งวด	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
สินทรัพย์ (Assets)
เงินสดCash
Q1	—	3,083	3,675	4,717	7,189	10,225	17,617	15,511	16,648	16,237	19,351	18,314	19,367	23,142	24,137	26,793	26,916	31,197	32,356	33,604	32,792	32,956	28,213	27,104	27,716	27,453	26,083	23,065
Q2	3,367	3,269	4,275	4,890	8,127	11,203	18,646	15,437	14,750	16,732	18,316	17,761	19,596	22,787	24,486	26,091	27,667	29,528	30,976	31,752	30,735	29,212	27,739	27,691	27,149	24,663	23,438	—
Q3	2,934	3,202	4,483	5,323	8,365	12,869	17,250	16,881	15,517	15,058	16,878	17,895	20,112	22,075	23,818	24,288	28,915	29,725	32,368	30,139	30,503	28,088	26,781	26,981	26,694	24,833	23,645	—
สิ้นปี	6,861	4,828	5,804	10,397	13,082	18,857	17,582	19,558	19,200	20,419	20,090	22,461	25,165	25,079	28,216	31,154	33,690	36,142	38,244	34,679	33,830	30,333	29,371	29,810	28,170	28,701	25,949	—
%Common Size	1.5%	1.1%	1.3%	2.2%	2.5%	3.3%	2.7%	2.9%	2.9%	2.7%	2.6%	2.6%	2.7%	2.3%	2.4%	2.6%	2.0%	1.9%	1.8%	1.6%	1.4%	1.2%	1.2%	1.1%	1.0%	1.1%	1.0%	—
รายการระหว่างธนาคาร & ตลาดเงิน (สุทธิ)Interbank and Money Market Items - Net
Q1	—	48,771	49,781	24,918	36,378	62,523	71,820	91,710	81,135	86,103	100,687	89,051	84,844	65,782	99,337	91,246	190,591	220,833	184,959	393,282	289,535	388,574	594,316	433,126	504,431	602,988	480,151	401,561
Q2	62,813	50,721	42,997	36,604	31,246	50,345	78,643	81,145	76,912	89,764	67,720	95,298	113,292	99,571	109,446	99,086	180,566	197,405	207,022	260,024	279,486	418,338	581,292	413,507	441,595	524,633	493,040	—
Q3	65,057	54,526	35,270	36,472	54,076	46,943	86,351	107,425	131,628	55,292	83,810	64,229	74,886	83,617	88,003	103,242	203,279	194,267	265,566	238,955	275,165	391,068	364,910	366,348	477,082	532,400	391,090	—
สิ้นปี	50,358	52,552	32,721	23,567	31,871	58,467	88,096	94,220	109,443	84,854	53,668	74,527	81,818	79,390	87,027	80,364	194,094	200,283	330,797	245,553	331,431	523,385	346,816	460,920	507,974	470,190	433,573	—
%Common Size	11.3%	12.1%	7.4%	5.0%	6.1%	10.2%	13.6%	14.1%	16.8%	11.4%	6.9%	8.6%	8.6%	7.4%	7.4%	6.6%	11.4%	10.6%	15.8%	11.3%	14.0%	20.1%	13.9%	17.5%	18.3%	17.9%	16.4%	—
เงินลงทุน (สุทธิ)Investments - Net
Q1	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	174,035	174,103	146,021	136,276	154,296	173,072
Q2	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	169,928	147,524	141,779	137,030	138,469	—
Q3	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	160,828	144,345	144,958	136,633	150,897	—
สิ้นปี	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	182,710	145,167	130,539	137,691	174,736	—
%Common Size	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	7.3%	5.5%	4.7%	5.3%	6.6%	—
เงินให้สินเชื่อ & ดอกเบี้ยค้างรับ (สุทธิ)Loans to Customers and Accrued Interest Receivables - Net
Q1	—	336,727	330,276	345,195	361,692	387,720	413,205	443,074	438,131	501,058	503,254	569,259	626,347	712,158	807,331	902,239	1,194,390	1,259,112	1,384,728	1,518,699	1,650,814	1,803,657	1,770,991	1,853,607	1,878,864	1,922,478	1,818,861	1,824,930
Q2	358,167	328,153	330,856	348,336	371,632	396,411	417,163	446,089	423,114	506,254	521,301	580,092	639,440	728,778	832,195	908,298	1,203,851	1,313,654	1,427,364	1,586,317	1,696,830	1,791,063	1,750,098	1,872,064	1,936,312	1,915,425	1,788,029	—
Q3	347,896	325,333	335,654	351,299	368,047	400,940	430,405	437,877	412,872	517,546	521,418	575,389	666,734	754,508	856,018	935,515	1,195,083	1,359,010	1,445,857	1,608,712	1,716,861	1,778,340	1,781,783	1,887,182	1,941,277	1,850,041	1,869,372	—
สิ้นปี	338,671	325,527	337,707	360,704	382,615	401,935	434,119	434,813	417,000	526,453	567,118	616,731	690,087	801,236	907,164	975,621	1,262,083	1,403,285	1,498,845	1,614,984	1,754,976	1,765,623	1,816,869	1,873,491	1,942,700	1,819,635	1,851,162	—
%Common Size	75.8%	74.8%	76.1%	77.0%	73.0%	69.9%	67.1%	65.3%	63.9%	70.6%	72.7%	70.9%	72.8%	74.7%	76.9%	80.3%	74.0%	74.5%	71.8%	74.3%	74.4%	67.7%	72.7%	71.0%	70.2%	69.4%	69.9%	—
ค่าเผื่อผลขาดทุนด้านเครดิต (ECL)Allowance for Expected Credit Loss
Q1	—	32,352	8,567	25,489	22,103	23,846	22,016	21,720	29,643	39,345	33,427	39,791	33,509	31,711	32,247	40,157	44,212	46,826	51,396	58,500	63,450	0	0	0	0	0	0	0
Q2	29,352	7,989	9,087	25,096	22,042	22,696	20,168	21,643	37,722	35,985	36,479	40,644	33,309	30,823	34,505	40,312	44,728	48,326	52,091	59,987	63,983	0	0	0	0	0	0	—
Q3	31,352	8,872	10,666	25,170	21,260	23,186	21,710	22,450	37,540	35,728	37,678	37,862	32,196	31,497	35,654	42,049	45,381	49,008	54,729	62,676	66,488	0	0	0	0	0	0	—
สิ้นปี	30,078	8,584	11,992	22,630	23,359	20,863	21,434	28,926	35,219	32,308	38,600	33,953	31,279	31,029	38,986	39,776	44,944	49,462	55,476	61,360	67,384	0	0	0	0	0	0	—
%Common Size	6.7%	2.0%	2.7%	4.8%	4.5%	3.6%	3.3%	4.3%	5.4%	4.3%	4.9%	3.9%	3.3%	2.9%	3.3%	3.3%	2.6%	2.6%	2.7%	2.8%	2.9%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—
สินทรัพย์รวมTotal Assets
Q1	—	438,741	441,282	442,499	483,744	548,296	601,762	660,724	672,846	725,013	734,579	821,613	870,410	976,104	1,102,777	1,185,669	1,632,828	1,753,856	1,857,004	2,160,228	2,241,330	2,514,415	2,695,268	2,607,615	2,684,138	2,859,429	2,634,375	2,606,925
Q2	471,560	433,937	437,028	457,546	489,219	548,037	612,585	647,465	646,770	751,221	719,630	851,608	912,915	1,034,541	1,130,156	1,194,586	1,612,310	1,778,801	1,888,531	2,100,941	2,277,211	2,509,908	2,659,302	2,599,139	2,698,217	2,772,778	2,600,909	—
Q3	464,029	434,983	436,848	466,664	518,682	552,761	639,842	672,495	666,163	702,905	750,601	803,472	914,368	1,040,424	1,145,167	1,237,174	1,656,779	1,827,871	1,958,170	2,093,284	2,269,188	2,492,130	2,489,288	2,590,135	2,759,717	2,721,115	2,589,518	—
สิ้นปี	446,532	435,112	443,566	468,520	524,122	575,356	647,371	666,228	652,387	745,477	780,132	869,834	947,797	1,071,966	1,179,582	1,214,268	1,705,517	1,883,188	2,088,772	2,173,622	2,359,592	2,609,374	2,499,109	2,636,951	2,768,295	2,620,074	2,647,157	—
หนี้สิน (Liabilities)
เงินรับฝากDeposits
Q1	—	363,336	365,176	373,867	407,185	471,316	515,550	572,486	545,386	518,489	524,388	534,019	572,270	572,538	702,449	780,597	1,010,484	1,032,473	1,125,464	1,369,427	1,465,377	1,667,371	1,888,464	1,829,180	1,858,656	2,004,101	1,838,982	1,703,555
Q2	376,346	363,489	362,632	387,107	410,566	474,495	523,856	555,200	526,202	515,873	500,563	523,258	551,775	622,391	731,731	783,779	1,007,315	1,062,103	1,163,312	1,367,531	1,497,469	1,698,706	1,890,939	1,819,012	1,797,835	1,916,388	1,802,447	—
Q3	370,659	362,449	366,242	390,689	425,096	473,027	551,109	579,902	535,375	505,169	513,344	530,983	536,120	672,324	736,439	806,182	1,012,541	1,085,551	1,197,283	1,376,585	1,495,047	1,729,141	1,782,941	1,713,701	1,772,228	1,899,610	1,717,627	—
สิ้นปี	361,178	361,630	375,848	395,439	425,341	497,443	560,120	562,065	499,627	537,354	520,515	576,479	560,540	687,159	764,050	837,556	1,046,290	1,108,288	1,319,229	1,426,348	1,566,885	1,834,505	1,779,139	1,804,692	1,839,601	1,822,229	1,735,328	—
%Common Size	80.9%	83.1%	84.7%	84.4%	81.2%	86.5%	86.5%	84.4%	76.6%	72.1%	66.7%	66.3%	59.1%	64.1%	64.8%	69.0%	61.3%	58.9%	63.2%	65.6%	66.4%	70.3%	71.2%	68.4%	66.5%	69.5%	65.6%	—
รายการระหว่างธนาคาร & ตลาดเงิน (หนี้สิน)Interbank and Money Market Items
Q1	—	4,838	8,091	7,308	12,026	22,177	23,868	17,235	20,614	40,200	23,787	60,700	33,708	32,055	62,193	63,943	213,948	303,162	268,600	268,411	272,870	308,937	284,569	251,030	272,549	235,116	194,764	231,846
Q2	6,944	6,087	6,126	9,549	13,717	18,361	24,134	23,712	21,274	45,227	22,260	71,548	47,168	34,054	53,002	56,288	270,056	299,099	256,881	243,980	243,767	275,742	231,909	245,877	318,298	232,843	190,062	—
Q3	5,606	6,880	6,069	12,672	15,912	21,176	22,540	19,532	16,151	18,454	31,203	20,689	23,141	44,749	63,501	75,590	275,322	302,254	290,438	209,197	243,143	243,502	176,163	317,476	384,402	185,700	212,391	—
สิ้นปี	5,248	7,583	6,269	10,084	17,075	19,768	19,464	23,210	20,323	20,003	47,415	43,788	23,741	48,821	55,497	46,612	275,060	314,400	279,721	244,097	252,121	243,570	202,150	289,977	323,996	186,588	229,721	—
%Common Size	1.2%	1.7%	1.4%	2.2%	3.3%	3.4%	3.0%	3.5%	3.1%	2.7%	6.1%	5.0%	2.5%	4.6%	4.7%	3.8%	16.1%	16.7%	13.4%	11.2%	10.7%	9.3%	8.1%	11.0%	11.7%	7.1%	8.7%	—
ตราสารหนี้ & เงินกู้ยืมDebts Issued and Borrowings
Q1	—	41,773	42,355	38,363	38,220	15,958	15,916	15,885	18,136	65,472	80,563	84,759	117,854	205,328	143,668	146,309	138,074	109,315	173,876	171,259	137,476	166,750	140,770	122,027	102,032	116,783	94,997	103,731
Q2	48,423	41,532	42,428	38,169	25,136	16,106	16,132	12,000	18,368	85,489	89,397	100,069	169,137	197,639	159,558	166,585	81,297	112,622	173,122	165,329	163,553	167,345	144,839	108,161	105,427	107,602	94,640	—
Q3	49,737	41,911	38,453	38,306	37,928	16,162	16,101	12,000	17,929	72,407	84,770	118,926	209,872	144,979	151,862	151,412	92,953	133,712	148,222	185,083	164,242	157,003	125,562	102,759	106,622	100,244	120,641	—
สิ้นปี	12,996	42,099	38,432	38,249	28,977	15,910	16,107	18,297	35,369	81,857	84,687	99,365	208,263	154,629	174,605	151,805	108,121	160,326	142,866	155,650	175,667	146,119	118,977	98,199	104,217	100,320	118,649	—
%Common Size	2.9%	9.7%	8.7%	8.2%	5.5%	2.8%	2.5%	2.7%	5.4%	11.0%	10.9%	11.4%	22.0%	14.4%	14.8%	12.5%	6.3%	8.5%	6.8%	7.2%	7.4%	5.6%	4.8%	3.7%	3.8%	3.8%	4.5%	—
รวมหนี้สินTotal Liabilities
Q1	—	418,175	425,928	427,300	466,082	518,267	566,857	618,569	600,744	645,643	648,283	726,897	770,474	869,913	985,083	1,060,242	1,450,061	1,557,257	1,642,668	1,928,136	1,984,505	2,241,332	2,398,887	2,282,789	2,334,175	2,477,509	2,230,864	2,157,128
Q2	441,586	419,880	419,981	441,718	470,317	517,138	576,427	604,833	582,345	669,992	632,455	755,571	812,145	926,594	1,010,533	1,067,659	1,428,002	1,580,416	1,671,539	1,866,378	2,017,039	2,229,905	2,352,249	2,270,986	2,340,199	2,386,539	2,193,766	—
Q3	438,071	420,402	419,584	449,974	488,660	520,398	603,178	627,238	589,115	618,544	660,097	706,224	813,070	931,145	1,024,582	1,108,705	1,470,947	1,624,153	1,738,147	1,855,507	2,005,518	2,206,167	2,178,097	2,256,092	2,395,539	2,332,316	2,157,819	—
สิ้นปี	423,603	419,640	428,263	451,434	495,300	542,213	607,014	619,082	574,320	660,109	687,547	770,730	845,102	958,479	1,057,934	1,082,598	1,514,769	1,674,420	1,862,785	1,929,904	2,087,476	2,320,195	2,180,872	2,295,192	2,396,841	2,224,266	2,207,066	—
%Common Size	94.9%	96.4%	96.6%	96.4%	94.5%	94.2%	93.8%	92.9%	88.0%	88.5%	88.1%	88.6%	89.2%	89.4%	89.7%	89.2%	88.8%	88.9%	89.2%	88.8%	88.5%	88.9%	87.3%	87.0%	86.6%	84.9%	83.4%	—
ส่วนของผู้ถือหุ้น (Equity)
กำไรสะสมที่ยังไม่ได้จัดสรรRetained Earnings (Deficits) - Unappropriated
Q1	—	-33,294	-39,007	-41,196	-38,671	-35,339	2,480	7,331	7,086	2,034	5,873	14,152	19,292	24,614	35,266	41,469	50,756	63,538	79,017	96,469	120,942	134,533	156,123	186,716	212,998	238,032	261,508	288,340
Q2	-25,261	-40,111	-38,908	-40,666	-37,620	-1,320	3,963	7,876	-2,829	4,037	6,719	15,190	20,199	26,244	35,901	42,571	52,197	65,918	81,627	99,478	124,705	141,188	168,153	191,387	218,131	243,095	266,801	—
Q3	-28,048	-39,742	-38,840	-40,018	-36,828	240	4,430	9,742	40	4,152	7,983	16,186	21,087	27,608	37,319	43,716	54,150	68,907	84,764	102,811	128,361	147,146	171,676	196,409	223,337	247,926	272,409	—
สิ้นปี	-30,584	-39,114	-41,724	-39,606	-36,553	954	5,522	5,956	1,005	4,850	12,082	18,211	21,126	31,154	38,210	46,451	58,353	73,308	90,191	108,159	133,171	149,557	179,206	204,321	230,764	254,005	279,623	—
%Common Size	-6.8%	-9.0%	-9.4%	-8.5%	-7.0%	0.2%	0.9%	0.9%	0.2%	0.7%	1.5%	2.1%	2.2%	2.9%	3.2%	3.8%	3.4%	3.9%	4.3%	5.0%	5.6%	5.7%	7.2%	7.7%	8.3%	9.7%	10.6%	—
ส่วนของผู้ถือหุ้นบริษัทใหญ่Equity Attributable to Owners of the Parent
Q1	—	20,455	15,233	15,042	17,477	29,756	34,570	41,145	71,515	79,271	86,202	94,538	99,739	106,057	117,504	125,112	182,254	196,143	213,663	231,163	255,665	271,701	294,670	324,063	349,032	378,571	399,336	423,381
Q2	29,657	13,946	16,926	15,657	18,691	30,617	35,817	41,649	64,198	81,131	87,070	95,858	100,563	107,797	119,394	126,571	183,736	197,939	216,310	233,676	259,041	278,540	306,437	327,402	355,301	382,856	402,719	—
Q3	25,644	14,463	17,134	16,511	29,797	32,072	35,801	44,463	76,823	84,265	90,338	97,062	101,100	109,116	120,325	128,066	185,482	203,195	219,250	236,786	262,433	284,413	310,523	333,245	361,327	385,287	408,632	—
สิ้นปี	22,929	15,354	15,158	16,906	28,573	32,819	39,384	46,374	77,854	85,275	92,414	98,915	102,489	113,322	121,369	131,210	190,355	208,179	225,131	242,637	270,790	287,544	317,516	340,919	368,454	392,007	414,762	—
%Common Size	5.1%	3.5%	3.4%	3.6%	5.5%	5.7%	6.1%	7.0%	11.9%	11.4%	11.8%	11.4%	10.8%	10.6%	10.3%	10.8%	11.2%	11.1%	10.8%	11.2%	11.5%	11.0%	12.7%	12.9%	13.3%	15.0%	15.7%	—
รวมส่วนของผู้ถือหุ้นTotal Equity
Q1	—	20,566	15,354	15,199	17,662	30,029	34,905	42,155	72,102	79,370	86,296	94,716	99,936	106,191	117,694	125,428	182,767	196,599	214,336	232,092	256,825	273,084	296,381	324,827	349,963	381,920	403,511	449,797
Q2	29,974	14,057	17,048	15,828	18,902	30,899	36,158	42,633	64,424	81,229	87,174	96,036	100,770	107,947	119,622	126,928	184,308	198,385	216,992	234,563	260,172	280,003	307,053	328,154	358,018	386,239	407,143	—
Q3	25,958	14,581	17,264	16,691	30,022	32,363	36,665	45,257	77,048	84,361	90,504	97,248	101,298	109,279	120,585	128,469	185,831	203,718	220,023	237,777	263,670	285,964	311,192	334,043	364,179	388,799	431,699	—
สิ้นปี	22,929	15,472	15,302	17,086	28,823	33,142	40,358	47,146	78,067	85,367	92,585	99,104	102,696	113,486	121,648	131,670	190,748	208,768	225,987	243,718	272,116	289,179	318,237	341,759	371,454	395,809	440,091	—
%Common Size	5.1%	3.6%	3.4%	3.6%	5.5%	5.8%	6.2%	7.1%	12.0%	11.5%	11.9%	11.4%	10.8%	10.6%	10.3%	10.8%	11.2%	11.1%	10.8%	11.2%	11.5%	11.1%	12.7%	13.0%	13.4%	15.1%	16.6%	—

งบกำไรขาดทุน (แบบชีต · ล้านบาท · เลื่อนดูปีย้อนหลัง →)

งวด	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
งบกำไรขาดทุน (Income Statement)
รายได้ดอกเบี้ยรับInterest Income
Q1	—	6,268	5,117	4,763	4,937	5,101	5,326	7,923	9,423	8,881	9,668	11,819	12,876	15,362	16,918	18,275	20,776	20,875	22,763	25,525	27,488	29,818	24,952	24,751	29,117	39,981	35,904	37,005
Q2	7,303	5,766	4,758	4,725	4,799	5,010	5,593	8,700	8,922	10,584	9,456	11,756	13,714	16,067	17,446	18,352	20,401	21,086	23,424	26,365	27,445	27,271	25,016	25,505	32,504	41,004	35,908	—
Q3	6,245	5,411	4,779	4,852	4,742	4,941	6,284	9,443	8,399	11,091	9,515	12,436	14,879	16,512	18,078	18,937	20,084	21,475	23,974	27,151	27,775	26,034	24,831	26,734	36,544	38,865	37,286	—
Q4	6,082	5,243	4,550	5,133	4,817	5,218	7,297	9,690	8,309	10,789	10,818	12,715	14,959	16,698	18,940	19,045	20,686	22,489	24,837	28,091	27,746	24,939	25,004	28,437	41,086	36,688	38,285	—
ทั้งปี	—	22,688	19,203	19,473	19,295	20,271	24,500	35,757	35,053	41,344	39,457	48,726	56,428	64,640	71,381	74,609	81,947	85,925	94,998	107,132	110,455	108,062	99,804	105,428	139,251	156,538	147,383	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	-15.4%	1.4%	-0.9%	5.1%	20.9%	45.9%	-2.0%	17.9%	-4.6%	23.5%	15.8%	14.6%	10.4%	4.5%	9.8%	4.9%	10.6%	12.8%	3.1%	-2.2%	-7.6%	5.6%	32.1%	12.4%	-5.8%	—
ค่าใช้จ่ายดอกเบี้ยInterest Expenses
Q1	—	4,808	4,093	3,592	3,383	2,482	2,162	3,683	5,328	3,676	4,136	2,971	3,685	5,982	6,316	6,778	6,920	5,882	6,279	7,502	8,077	7,485	5,763	4,880	7,927	12,686	10,670	8,174
Q2	7,040	3,808	3,863	3,426	3,255	2,000	2,273	4,402	4,720	4,191	3,220	3,028	4,319	6,015	6,453	6,476	6,606	5,831	6,485	7,877	8,683	6,853	5,653	4,962	9,205	12,705	9,982	—
Q3	5,987	4,508	3,752	3,591	3,006	2,077	2,509	5,187	3,851	4,348	2,776	3,398	5,146	6,292	6,832	6,730	6,023	5,897	6,628	8,068	8,655	6,405	5,339	5,350	10,611	11,610	9,361	—
Q4	5,316	4,258	3,859	3,510	2,729	2,081	3,060	5,687	3,758	4,441	3,005	3,251	5,812	6,399	6,841	6,681	6,047	6,338	7,070	8,356	8,618	6,016	5,069	6,459	12,118	11,643	8,837	—
ทั้งปี	—	17,383	15,566	14,118	12,374	8,640	10,004	18,959	17,656	16,657	13,138	12,647	18,963	24,687	26,442	26,665	25,596	23,948	26,463	31,803	34,032	26,758	21,824	21,650	39,861	48,644	38,850	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	-10.4%	-9.3%	-12.4%	-30.2%	15.8%	89.5%	-6.9%	-5.7%	-21.1%	-3.7%	49.9%	30.2%	7.1%	0.8%	-4.0%	-6.4%	10.5%	20.2%	7.0%	-21.4%	-18.4%	-0.8%	84.1%	22.0%	-20.1%	—
รายได้ดอกเบี้ยสุทธิNet Interest Income
Q1	—	1,460	1,024	1,172	1,554	2,618	3,164	4,240	4,095	5,205	5,532	8,848	9,191	9,380	10,602	11,497	13,857	14,993	16,483	18,022	19,412	22,333	19,189	19,872	21,190	27,295	25,234	28,831
Q2	263	1,957	895	1,299	1,544	3,010	3,320	4,299	4,202	6,393	6,236	8,729	9,394	10,052	10,993	11,876	13,794	15,255	16,938	18,488	18,762	20,418	19,363	20,544	23,299	28,299	25,926	—
Q3	258	903	1,027	1,262	1,735	2,864	3,775	4,256	4,548	6,742	6,739	9,038	9,733	10,220	11,246	12,207	14,061	15,578	17,346	19,083	19,121	19,629	19,492	21,384	25,933	27,255	27,925	—
Q4	766	985	691	1,623	2,088	3,138	4,237	4,002	4,551	6,348	7,813	9,464	9,147	10,300	12,098	12,364	14,638	16,151	17,767	19,735	19,128	18,923	19,936	21,978	28,967	25,045	29,449	—
ทั้งปี	—	5,305	3,637	5,356	6,921	11,631	14,496	16,798	17,397	24,688	26,320	36,079	37,465	39,953	44,939	47,944	56,350	61,977	68,535	75,328	76,423	81,304	77,980	83,778	99,390	107,894	108,533	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	-31.4%	47.3%	29.2%	68.0%	24.6%	15.9%	3.6%	41.9%	6.6%	37.1%	3.8%	6.6%	12.5%	6.7%	17.5%	10.0%	10.6%	9.9%	1.5%	6.4%	-4.1%	7.4%	18.6%	8.6%	0.6%	—
รายได้ค่าธรรมเนียม & บริการ (สุทธิ)Net Fees and Service Income
Q1	—	345	603	477	563	673	789	890	919	1,185	1,187	2,137	2,518	2,871	3,606	3,447	4,292	4,544	4,669	5,320	5,296	4,554	4,318	4,231	4,250	6,193	5,973	7,439
Q2	124	354	386	525	584	739	771	1,049	946	1,360	1,525	2,111	2,820	3,260	3,660	3,590	4,216	4,308	4,638	5,186	5,411	3,931	3,957	4,204	4,582	6,282	6,066	—
Q3	379	374	436	575	259	706	837	951	1,157	1,276	1,532	2,410	2,750	3,229	3,590	3,767	4,298	4,601	5,038	5,122	5,274	4,182	4,041	4,217	5,139	6,173	6,635	—
Q4	355	379	472	555	664	702	1,134	961	1,064	1,062	2,008	2,182	2,699	3,374	3,696	3,966	4,424	4,722	5,330	5,619	5,796	4,897	4,535	4,292	6,861	6,270	7,812	—
ทั้งปี	—	1,452	1,898	2,132	2,069	2,821	3,531	3,852	4,086	4,883	6,252	8,840	10,787	12,735	14,552	14,770	17,230	18,175	19,675	21,248	21,776	17,564	16,851	16,945	20,831	24,918	26,484	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	30.7%	12.3%	-3.0%	36.3%	25.2%	9.1%	6.1%	19.5%	28.0%	41.4%	22.0%	18.1%	14.3%	1.5%	16.6%	5.5%	8.3%	8.0%	2.5%	-19.3%	-4.1%	0.6%	22.9%	19.6%	6.3%	—
รายได้จากการดำเนินงานอื่นOther Operating Income
Q1	—	122	68	201	369	282	648	837	414	358	240	815	826	620	759	301	427	493	489	1,890	2,017	2,010	2,427	2,478	2,384	2,692	3,340	3,700
Q2	78	205	113	205	71	155	357	443	396	56	855	800	422	624	803	445	585	514	363	1,563	1,559	1,350	2,766	2,238	2,400	2,778	3,031	—
Q3	150	59	105	151	572	325	920	462	353	-101	1,129	1,008	867	568	338	524	523	381	1,700	1,925	2,081	2,494	2,732	2,369	2,611	2,722	3,107	—
Q4	70	63	107	220	547	515	369	437	791	-140	302	966	592	993	410	-129	634	385	1,788	2,123	2,152	2,725	2,833	1,909	3,687	3,555	3,519	—
ทั้งปี	—	450	393	777	1,559	1,277	2,294	2,180	1,954	173	2,526	3,589	2,706	2,804	2,311	1,141	2,168	1,774	4,340	7,501	7,809	8,579	10,757	8,995	11,082	11,746	12,997	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	-12.7%	97.8%	100.7%	-18.1%	79.7%	-5.0%	-10.3%	-91.1%	1359.1%	42.1%	-24.6%	3.6%	-17.6%	-50.6%	90.1%	-18.2%	144.7%	72.9%	4.1%	9.9%	25.4%	-16.4%	23.2%	6.0%	10.6%	—
ค่าใช้จ่ายดำเนินงานอื่นๆOther Operating Expenses
Q1	—	2,233	1,739	1,616	1,625	1,826	2,080	2,845	3,327	3,917	3,966	6,223	6,887	7,007	8,312	8,306	9,321	10,130	11,781	12,399	14,221	12,689	12,098	12,063	13,330	16,584	16,941	19,373
Q2	2,274	2,772	1,938	1,667	1,730	1,878	2,355	3,058	4,043	4,186	4,502	5,913	6,679	7,645	7,631	8,476	9,554	10,340	11,507	12,578	12,460	11,577	12,538	12,335	13,794	17,226	16,553	—
Q3	2,148	1,631	1,637	1,584	1,781	1,994	2,630	2,944	3,486	4,176	4,398	6,534	7,544	7,727	8,521	8,559	9,788	10,880	11,790	12,888	12,981	11,342	11,684	13,212	15,993	17,116	21,229	—
Q4	1,452	2,069	2,151	1,782	2,346	2,835	2,966	2,957	4,408	4,368	5,643	7,851	6,366	8,419	9,156	8,965	10,285	11,730	13,133	13,876	12,507	12,856	12,633	13,426	18,717	17,206	20,648	—
ทั้งปี	—	8,705	7,465	6,650	7,483	8,533	10,030	11,804	15,263	16,646	18,509	26,520	27,477	30,798	33,620	34,306	38,947	43,080	48,210	51,741	52,169	48,465	48,954	51,036	61,835	68,131	75,370	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	-14.2%	-10.9%	12.5%	14.0%	17.5%	17.7%	29.3%	9.1%	11.2%	43.3%	3.6%	12.1%	9.2%	2.0%	13.5%	10.6%	11.9%	7.3%	0.8%	-7.1%	1.0%	4.3%	21.2%	10.2%	10.6%	—
(กลับรายการ) ผลขาดทุนด้านเครดิตที่คาดว่าจะเกิด (ECL)(Reversal Of) Expected Credit Losses
Q1	—	2,942	-437	2	420	710	1,310	1,608	866	1,591	1,978	3,181	2,215	1,924	2,258	3,371	4,535	4,487	4,011	6,683	6,349	9,510	7,314	6,783	5,798	12,271	9,988	11,472
Q2	6,615	6,173	-703	253	426	1,030	1,051	1,248	10,864	1,447	2,536	2,905	2,551	2,255	4,498	3,568	4,499	4,368	4,172	6,404	6,725	4,564	8,028	6,567	7,811	11,817	10,290	—
Q3	2,081	-845	-20	128	406	735	1,336	1,424	97	1,719	2,538	3,148	2,022	1,959	2,327	4,155	4,079	3,478	6,177	6,303	6,942	8,733	8,134	6,347	9,052	11,171	11,084	—
Q4	2,401	-1,481	2,485	475	2,140	1,074	2,359	7,041	538	1,484	3,165	3,156	3,210	2,068	5,998	3,958	4,030	4,269	6,110	6,790	8,187	10,555	8,128	6,955	12,955	10,524	12,428	—
ทั้งปี	—	6,788	1,324	857	3,393	3,548	6,056	11,322	12,365	6,241	10,216	12,391	9,998	8,207	15,080	15,052	17,144	16,604	20,471	26,180	28,203	33,362	31,604	26,652	35,617	45,782	43,790	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	-80.5%	-35.3%	295.9%	4.6%	70.7%	86.9%	9.2%	-49.5%	63.7%	21.3%	-19.3%	-17.9%	83.7%	-0.2%	13.9%	-3.1%	23.3%	27.9%	7.7%	18.3%	-5.3%	-15.7%	33.6%	28.5%	-4.4%	—
กำไรจากการดำเนินงานก่อนภาษีProfit (Loss) From Operating Before Income Tax Expense
Q1	—	-3,346	117	543	942	1,261	1,538	1,860	1,768	1,018	1,307	2,964	3,885	4,462	5,039	4,197	5,545	6,533	7,135	7,805	16,176	8,743	8,231	9,375	10,916	9,678	10,150	12,010
Q2	-8,269	-6,757	106	541	1,068	1,157	1,437	1,695	-9,558	2,297	2,086	3,299	4,168	4,856	3,936	4,506	5,523	6,747	7,415	7,934	8,855	8,265	18,133	9,742	10,540	10,428	10,982	—
Q3	-3,070	375	18	657	810	1,576	1,670	2,365	2,924	1,292	2,772	3,349	4,250	4,903	4,956	4,589	6,145	7,400	7,589	8,102	8,294	7,647	7,958	10,151	10,347	10,021	10,627	—
Q4	-2,859	628	-2,882	413	329	811	1,430	-4,205	1,021	848	1,997	2,728	3,311	4,785	1,996	5,062	6,427	6,411	7,161	7,818	7,912	4,223	8,026	9,461	9,693	9,238	9,401	—
ทั้งปี	—	-9,099	-2,641	2,154	3,149	4,804	6,074	1,715	-3,845	5,454	8,161	12,340	15,614	19,006	15,928	18,354	23,640	27,092	29,300	31,658	41,236	28,878	42,348	38,728	41,496	39,366	41,160	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	71.0%	181.6%	46.2%	52.5%	26.5%	-71.8%	-324.2%	241.9%	49.6%	51.2%	26.5%	21.7%	-16.2%	15.2%	28.8%	14.6%	8.1%	8.1%	30.3%	-30.0%	46.6%	-8.5%	7.1%	-5.1%	4.6%	—
ค่าใช้จ่ายภาษีเงินได้Income Tax Expense
Q1	—	8	1	0	0	23	6	24	639	-12	282	889	1,065	1,020	967	894	1,166	1,319	1,405	1,516	3,361	1,653	1,647	1,913	2,199	2,003	2,309	2,291
Q2	7	1	1	0	0	11	-1	12	-602	295	330	1,162	1,186	1,141	860	1,005	1,115	1,407	1,459	1,551	1,738	1,675	3,512	1,861	2,051	1,990	2,395	—
Q3	10	1	0	1	0	5	9	529	33	275	596	1,009	1,241	1,146	1,126	1,036	1,230	1,494	1,480	1,783	1,623	1,448	1,545	2,036	2,199	2,170	1,188	—
Q4	3	-0	2	3	10	20	18	-501	55	1	296	464	2,819	1,030	989	1,097	1,277	1,189	1,395	1,617	1,383	762	1,590	2,029	1,914	2,799	1,827	—
ทั้งปี	—	10	4	3	10	60	31	64	124	560	1,504	3,524	6,310	4,337	3,942	4,031	4,788	5,409	5,739	6,467	8,105	5,538	8,293	7,839	8,364	8,962	7,718	—
%Common Size	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	-54.9%	-23.1%	184.7%	520.6%	-48.8%	110.1%	92.2%	351.6%	168.7%	134.3%	79.1%	-31.3%	-9.1%	2.2%	18.8%	13.0%	6.1%	12.7%	25.3%	-31.7%	49.8%	-5.5%	6.7%	7.1%	-13.9%	—
กำไรสุทธิ (ส่วนของผู้ถือหุ้นบริษัทใหญ่)Net Profit (Loss) Attributable to : Owners of the Parent
Q1	—	-2,709	107	528	934	1,214	1,526	1,809	1,129	1,030	1,028	2,070	2,808	3,430	4,045	3,266	4,326	5,150	5,645	6,215	12,737	7,033	6,505	7,418	8,676	7,543	7,533	8,618
Q2	-8,181	-6,817	99	530	1,051	1,134	1,483	1,694	-8,955	2,002	1,752	2,131	2,972	3,699	3,039	3,460	4,349	5,269	5,871	6,273	7,010	6,508	14,543	7,834	8,425	8,209	8,295	—
Q3	-3,119	369	10	648	792	1,561	1,615	1,866	2,880	1,019	2,172	2,332	3,007	3,742	3,794	3,507	4,852	5,829	6,014	6,215	6,564	6,115	6,362	8,070	8,096	7,672	8,783	—
Q4	-2,493	628	-2,884	413	274	765	1,393	-3,702	965	844	1,708	2,261	478	3,755	989	3,936	5,107	5,156	5,679	6,110	6,437	3,385	6,385	7,391	7,732	6,276	7,127	—
ทั้งปี	—	-8,530	-2,667	2,119	3,053	4,673	6,017	1,666	-3,980	4,896	6,659	8,793	9,264	14,625	11,867	14,170	18,634	21,404	23,209	24,813	32,749	23,040	33,794	30,713	32,930	29,700	31,738	—
%NPM	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
%YoY Growth	—	—	68.7%	179.4%	44.1%	53.1%	28.8%	-72.3%	-338.9%	223.0%	36.0%	32.0%	5.4%	57.9%	-18.9%	19.4%	31.5%	14.9%	8.4%	6.9%	32.0%	-29.6%	46.7%	-9.1%	7.2%	-9.8%	6.9%	—

งบกระแสเงินสด (แบบชีต · ล้านบาท · เลื่อนดูปีย้อนหลัง →)

งวด	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
งบกระแสเงินสด (Cash Flow)
เงินสดสุทธิจากกิจกรรมดำเนินงานNet Cash From (Used In) Operating Activities
Q1	—	1,354	3,130	70	5,198	17,482	353	-1,447	-10,529	-20,078	2,490	-4,556	-29,179	17,652	7,798	21,453	324	-19,579	-10,357	-39,031	-810	23,775	16,611	-11,148	-147	-8,900	16,879	12,028
Q2	—	2,066	2,563	-640	7,692	22,504	1,497	-1,836	-15,363	-20,437	13,853	-16,836	-71,979	25,366	-2,695	4,516	59,381	-13,781	-20,682	190	-7,606	39,658	381	-15,258	13,359	4,621	5,250	—
Q3	—	1,254	8,260	2,229	6,092	24,304	8,673	5,261	-52,849	-23,118	24,934	-28,783	-93,922	72,165	10,309	17,815	53,013	-10,949	-28,855	-8,387	-37,120	73,643	11,777	-11,864	23,271	9,385	47,200	—
สิ้นปี	—	2,243	8,660	3,783	19,439	29,608	6,995	1,802	-65,670	-22,019	44,567	11,096	-92,052	62,659	-12,826	17,195	46,750	-6,158	-17,553	35,285	-37,298	83,622	46,405	-455	28,687	22,410	78,158	—
CFO/กำไรสุทธิ	—	-0.26	-3.25	1.79	6.37	6.34	1.16	1.08	16.50	-4.50	6.69	1.26	-9.94	4.28	-1.08	1.21	2.51	-0.29	-0.76	1.42	-1.14	3.63	1.37	-0.01	0.87	0.75	2.46	—
เงินสดสุทธิจากกิจกรรมลงทุนNet Cash From (Used In) Investing Activities
Q1	—	970	-4,259	-1,083	-8,407	5,662	-1,811	-597	-15,907	-13,457	-2,190	2,743	7,496	-16,992	2,285	1,498	28,570	15,590	-6,789	6,350	16,965	-17,401	-12,592	5,577	-4,347	-5,834	-17,579	73
Q2	—	681	-3,444	-9	-9,967	1,589	-1,962	4,972	-14,242	-32,642	-4,600	429	1,629	-15,127	-257	2,753	30,094	7,375	5,820	-25,526	521	-30,910	2,612	28,620	-12,384	-9,409	-2,958	—
Q3	—	1,062	-4,961	-2,596	-18,117	1,438	-9,377	-1,493	15,684	-20,646	-11,640	-5,024	-14,519	-7,717	-4,073	6,197	27,827	-6,469	42,991	-33,468	32,223	-55,057	11,300	30,363	-19,660	-8,981	-23,198	—
สิ้นปี	—	1,519	-4,015	972	-30,850	2,134	-7,366	-7,607	14,506	-21,893	-27,913	-8,812	-9,519	-4,795	741	15,803	23,864	-31,356	43,823	-55,121	23,599	-51,946	-11,801	29,947	-12,904	-10,703	-49,019	—
เงินสดสุทธิจากกิจกรรมจัดหาเงินNet Cash From (Used In) Financing Activities
Q1	—	-6,102	-22	-69	0	-25,996	230	9	23,550	30,602	-1,380	84	18,560	-2,934	-10,968	-28,304	-33,359	1,187	13,534	28,387	-18,218	-9,473	-5,818	2,701	3,501	11,924	-5,726	-15,607
Q2	—	-6,344	328	-263	0	-25,992	232	-5,258	24,825	50,573	-11,372	14,140	67,574	-12,754	2,487	-10,464	-93,086	1,465	9,658	18,880	4,378	-12,364	-4,750	-15,027	-498	-1,102	-9,790	—
Q3	—	-5,965	-3,646	-126	10,000	-25,991	-917	-4,430	33,136	39,612	-16,858	31,678	106,151	-67,850	-7,643	-28,076	-84,664	15,007	-18,448	35,841	2,070	-21,962	-27,495	-22,701	-2,756	-11,508	-30,960	—
สิ้นปี	—	-5,776	-3,667	-183	14,080	-26,000	-911	7,834	50,823	45,092	-16,997	158	104,502	-58,203	15,097	-27,690	-69,501	41,512	-23,807	18,569	13,450	-33,674	-34,474	-27,975	-5,431	-12,005	-34,480	—

➕ บรรทัดเพิ่มเติมนอกชีต (พิจารณาเก็บ)

✅ = หนูแนะนำให้เก็บ (มีประโยชน์เชิงวิเคราะห์) · ⚪ = ทางเลือก/รายละเอียดย่อย (ส่วนใหญ่ตัดได้)

➕ งบดุล — บรรทัดเพิ่มเติมจาก SETSMART

รายการ (ทั้งปี)	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
⚪ Financial Assets Measured at Fair Value Through Profit or Loss	0	0	0	0	0	24,740	22,455	28,287	0	0	0	0	0	0	0	0	0	0	0	0	0	786	736	998	1,740	10,333	13,897	—
⚪ Trading Assets	0	0	0	0	0	24,740	22,455	28,287	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Financial Assets Measured at Fair Value Through Profit or Loss - Others	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	786	736	998	1,740	10,333	13,897	—
⚪ Derivative Assets	0	0	0	0	0	0	0	0	0	0	0	0	4,834	3,414	4,880	2,653	35,657	29,117	14,562	14,115	21,841	30,445	24,993	30,027	29,056	27,767	22,377	—
⚪ Investments - Net (Amended Account)	27,110	26,167	34,825	38,800	60,863	30,605	38,261	39,722	55,067	57,229	68,063	79,089	81,974	79,249	74,333	61,790	111,602	133,701	86,157	137,369	130,292	176,465	0	0	0	0	0	—
⚪ Investment in Subsidiaries, Associates and Joint Ventures Using the Equity Method - Net	0	0	0	0	0	1,534	1,096	785	0	0	0	0	0	0	0	0	0	0	0	0	0	0	14,457	16,580	17,921	18,742	7,385	—
⚪ Investment in Subsidiaries, Associates and Joint Ventures Using Other Methods - Net	0	0	0	0	0	-822	-466	-410	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Loans to Customers	361,340	329,094	345,081	378,836	402,221	420,102	453,120	461,334	450,147	557,077	603,508	648,960	751,405	869,382	988,014	1,057,636	1,353,559	1,506,222	1,619,358	1,749,254	1,909,362	0	0	0	0	0	0	—
⚪ Accrued Interest Receivables and Undue Interest Receivables	7,410	5,017	4,619	4,498	3,752	2,696	2,434	2,404	2,072	1,683	2,210	1,724	-30,039	-37,117	-41,864	-42,239	-46,532	-53,476	-65,037	-72,910	-87,001	0	0	0	0	0	0	—
⚪ Properties Foreclosed - Net	7,750	11,442	16,227	18,984	18,095	21,676	24,631	23,831	23,523	21,371	18,017	14,727	11,737	9,452	6,865	5,456	5,050	4,256	3,685	3,478	3,500	3,366	3,273	5,212	5,555	5,683	6,155	—
⚪ Property, Plant and Equipment - Net	12,587	12,238	13,485	12,966	12,901	12,228	15,521	16,362	15,893	16,085	17,370	17,552	17,568	18,300	20,139	19,952	20,993	25,221	26,401	26,239	29,029	31,197	30,821	31,004	36,328	36,462	36,699	—
⚪ Goodwill and Other Intangible Assets - Net	0	0	0	0	0	0	0	0	0	11,340	12,609	12,627	12,054	15,435	14,861	14,584	14,477	16,699	16,756	16,642	16,903	17,031	17,022	16,672	31,540	32,179	38,917	—
✅ Deferred Tax Assets	0	0	0	0	0	0	0	0	0	0	7,088	7,586	5,631	6,061	6,982	7,889	5,369	4,714	4,823	4,274	4,479	4,890	4,510	4,249	6,086	5,439	5,439	—
⚪ Other Assets - Net	3,195	2,358	2,797	3,102	4,695	6,136	6,076	9,060	12,262	7,726	16,110	24,535	16,931	34,350	29,115	14,804	22,500	29,769	68,501	76,288	33,309	25,853	27,529	22,820	30,687	27,254	30,867	—
⚪ Liabilities Payable on Demand	1,785	867	1,146	791	2,212	1,189	1,461	1,364	2,141	1,673	1,752	1,517	1,651	2,776	2,545	1,936	3,211	4,177	6,296	5,991	3,802	5,607	4,042	4,226	4,387	4,310	4,636	—
⚪ Derivative Liabilities	0	0	0	0	0	0	0	0	0	0	0	0	5,394	3,508	5,140	2,160	26,693	20,581	15,724	13,540	23,326	32,942	21,672	37,340	32,839	26,584	26,266	—
⚪ Bonds	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Debts Issued and Borrowings - Others	12,996	42,099	38,432	38,249	28,977	15,910	16,107	18,297	35,369	81,857	84,687	99,365	208,263	154,629	174,605	151,805	108,121	160,326	142,866	155,650	175,667	146,119	118,977	98,199	104,217	100,320	118,649	—
⚪ Provisions	1,048	1,006	946	1,240	1,314	1,349	1,608	1,967	1,647	665	8,058	14,506	11,438	21,609	20,406	5,959	7,317	21,648	55,103	21,068	19,628	13,378	12,015	10,606	12,213	12,454	12,500	—
✅ Deferred Tax Liabilities	0	0	0	0	0	0	0	0	0	0	2,722	4,039	2,276	2,505	2,603	2,931	32	456	107	4	1,823	686	1,126	1,050	1,304	1,557	120	—
⚪ Clearing House, Securities and Derivatives Business Payables	0	0	0	0	0	0	0	0	0	0	0	0	0	5,694	0	0	1,118	66	1,588	103	0	0	0	0	0	0	0	—
⚪ Other Liabilities	41,348	6,455	5,622	5,632	20,381	6,555	8,254	12,179	15,214	18,558	22,398	31,035	31,799	31,777	33,089	33,640	46,928	44,479	42,152	63,104	44,223	43,388	41,753	49,102	78,285	70,223	79,845	—
⚪ Authorised Share Capital	20,020	55,503	55,503	78,503	78,503	70,894	70,894	70,894	70,894	70,894	70,894	70,894	70,894	70,894	75,741	75,741	75,741	75,741	75,741	75,741	75,741	75,741	75,741	75,741	75,741	75,741	75,741	—
⚪ Authorised Preference Shares	20	3	3	3	3	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Authorised Ordinary Shares	20,000	55,500	55,500	78,500	78,500	70,894	70,894	70,894	70,894	70,894	70,894	70,894	70,894	70,894	75,741	75,741	75,741	75,741	75,741	75,741	75,741	75,741	75,741	75,741	75,741	75,741	75,741	—
⚪ Issued and Paid-Up Share Capital	18,503	18,503	18,503	18,503	28,503	28,511	28,709	29,408	57,477	60,741	60,741	60,741	60,741	60,741	60,741	60,741	73,558	73,558	73,558	73,558	73,558	73,558	73,558	73,558	73,558	73,558	73,558	—
⚪ Paid-Up Preference Shares	3	3	3	3	3	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Paid-Up Ordinary Shares	18,500	18,500	18,500	18,500	28,500	28,511	28,709	29,408	57,477	60,741	60,741	60,741	60,741	60,741	60,741	60,741	73,558	73,558	73,558	73,558	73,558	73,558	73,558	73,558	73,558	73,558	73,558	—
⚪ Premium (Discount) on Share Capital	20,264	0	20,264	20,264	20,264	2	41	181	13,149	13,802	13,802	13,802	13,802	13,802	13,802	13,802	52,879	52,879	52,879	52,879	52,879	52,879	52,879	52,879	52,879	52,879	52,879	—
⚪ Premium (Discount) on Preference Shares	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Premium (Discount) on Ordinary Shares	20,263	0	20,263	20,263	20,263	2	41	181	13,149	13,802	13,802	13,802	13,802	13,802	13,802	13,802	52,879	52,879	52,879	52,879	52,879	52,879	52,879	52,879	52,879	52,879	52,879	—
⚪ Premium on Ordinary Shares	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	52,879	—
⚪ Retained Earnings (Deficits)	-17,963	-26,492	-29,103	-26,984	-23,931	1,005	5,874	6,392	1,441	5,433	12,793	19,225	22,442	32,796	40,253	49,329	61,938	77,680	95,198	114,050	140,041	156,836	186,780	211,896	238,338	261,579	287,198	—
✅ Retained Earnings - Appropriated	12,622	12,622	12,622	12,622	12,622	51	352	436	436	582	710	1,014	1,316	1,642	2,043	2,878	3,585	4,372	5,007	5,891	6,871	7,280	7,574	7,574	7,574	7,574	7,574	—
⚪ Legal and Statutory Reserves	800	800	800	800	800	51	352	436	436	582	710	1,014	1,316	1,642	2,043	2,878	3,585	4,372	5,007	5,891	6,871	7,280	7,574	7,574	7,574	7,574	7,574	—
⚪ Other Reserves	11,822	11,822	11,822	11,822	11,822	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Other Components of Equity	2,125	23,344	5,493	5,123	3,737	3,301	4,761	10,393	5,787	5,298	5,077	5,147	5,503	5,983	6,572	7,338	1,981	4,063	3,497	2,151	4,312	4,271	4,300	2,587	3,679	3,992	1,128	—
⚪ Surplus (Deficits)	2,125	23,344	5,493	5,123	3,737	3,301	4,761	4,836	5,609	5,298	7,264	7,356	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Surplus From Revaluation of Fixed Assets	1,247	0	3,781	3,708	3,671	3,635	5,955	5,783	5,612	5,442	7,136	6,825	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Surplus (Deficits) - Others	878	23,344	1,713	1,414	66	-333	-1,194	-947	-3	-143	128	532	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Other Components of Equity - Others	0	0	0	0	0	0	0	5,557	177	0	-2,187	-2,210	0	0	0	0	0	0	0	0	0	0	4,300	2,587	3,679	3,992	1,128	—
✅ Non-Controlling Interests	0	117	144	181	250	324	973	772	213	93	172	189	207	164	279	460	393	589	857	1,081	1,326	1,635	721	840	3,000	3,801	25,329	—
⚪ Total Liabilities and Equity	446,532	435,112	443,566	468,520	524,122	575,356	647,371	666,228	652,387	745,477	780,132	869,834	947,797	1,071,966	1,179,582	1,214,268	1,705,517	1,883,188	2,088,772	2,173,622	2,359,592	2,609,374	2,499,109	2,636,951	2,768,295	2,620,074	2,647,157	—

➕ งบกำไรขาดทุน — บรรทัดเพิ่มเติมจาก SETSMART

รายการ (ทั้งปี)	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
⚪ Fees and Service Income	—	1,785	2,142	2,334	2,799	3,203	4,121	4,744	5,323	7,493	9,410	13,005	13,838	16,434	18,766	19,192	22,670	24,142	26,341	28,999	29,652	24,812	24,053	24,237	29,212	34,645	36,421	—
⚪ Fees and Service Expenses	—	333	243	202	730	382	590	892	1,238	2,609	3,158	4,165	3,051	3,699	4,215	4,421	5,441	5,967	6,666	7,751	7,876	7,248	7,202	7,292	8,381	9,727	9,936	—
⚪ Gains (Losses) From Financial Instruments at Fair Value Through Profit or Loss	—	-722	334	283	401	448	618	703	1,004	860	730	745	1,278	1,542	1,564	1,574	3,216	3,905	4,233	4,736	4,350	3,226	4,096	4,733	5,637	6,677	7,503	—
⚪ Gains (Losses) on Trading and Foreign Currency Exchange	—	-722	334	283	401	448	618	703	1,004	860	730	745	1,278	1,542	1,564	1,574	3,216	3,905	4,233	4,736	4,350	1,028	0	0	0	0	0	—
⚪ Gains (Losses) From Financial Instruments Designated at Fair Value Through Profit or Loss	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	2,480	0	0	0	0	0	—
⚪ Gains (Losses) From Financial Instruments at Fair Value Through Profit or Loss - Others	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	4,096	4,733	5,637	6,677	7,503	—
⚪ Gains (Losses) From Investments	—	-86	-174	998	3,033	492	997	1,406	-657	-2,255	-82	971	820	800	633	1,237	409	599	896	374	9,232	109	10,925	-40	0	0	2,936	—
⚪ Share of Profit (Loss) From Investments Accounted for Using the Equity Method	—	-4	60	115	41	216	224	-97	-0	-8	126	144	32	177	112	159	358	348	302	391	1,409	1,523	1,930	1,557	1,583	1,529	1,290	—
⚪ Net Gains From Disposal of Properties Foreclosed	—	0	0	0	0	0	0	0	0	0	304	883	0	0	517	396	0	0	0	123	384	16	0	0	0	0	0	—
⚪ Dividend Income	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	366	450	425	516	576	—
⚪ Employee Benefit Expenses	—	3,424	3,173	2,668	3,265	3,738	4,341	5,097	6,990	8,114	8,911	11,815	12,319	13,965	15,156	16,102	18,914	21,334	24,438	26,287	27,648	25,297	26,717	27,143	32,152	35,325	39,204	—
⚪ Premises and Equipment Expenses	—	1,861	1,839	1,849	1,946	2,172	2,573	3,304	3,739	4,175	4,283	5,047	4,632	5,514	5,809	6,452	6,831	7,356	8,248	8,420	7,922	7,550	7,194	7,398	8,251	9,001	8,990	—
⚪ Taxes and Duties	—	862	757	760	759	888	1,064	1,457	1,510	1,309	1,165	1,535	1,782	2,057	2,221	2,115	2,548	2,544	2,605	2,789	2,871	2,535	2,217	2,507	3,624	4,254	4,234	—
⚪ Management and Directors' Remuneration	—	14	13	22	30	29	29	37	33	35	30	28	33	34	35	48	48	49	58	59	59	65	65	70	75	83	85	—
⚪ Other Expenses - Others	—	2,544	1,682	1,351	1,483	1,705	2,023	1,910	2,991	3,014	4,121	8,095	8,710	9,226	10,399	9,589	10,606	11,797	12,861	14,186	13,668	13,019	12,761	13,918	17,733	19,468	22,858	—
⚪ Other Items (Amended Account)	—	0	0	0	0	0	0	26	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Profit (Loss) for the Period From Continuing Operations	—	-9,109	-2,646	2,151	3,110	4,744	6,044	1,756	-3,969	4,895	6,657	8,816	9,304	14,669	11,986	14,323	18,852	21,684	23,561	25,191	33,132	23,340	34,054	30,890	33,132	30,404	33,443	—
✅ Net Profit (Loss) for the Period	—	-9,109	-2,646	2,151	3,110	4,744	6,044	1,756	-3,969	4,895	6,657	8,816	9,304	14,669	11,986	14,323	18,852	21,684	23,561	25,191	33,132	23,340	34,054	30,890	33,132	30,404	33,443	—
⚪ Net Profit (Loss) for the Period / Profit (Loss) for the Period From Continuing Operations	—	0	0	0	0	0	0	0	0	0	0	0	9,304	14,669	11,986	14,323	18,852	21,684	23,561	25,191	33,132	23,340	34,054	30,890	33,132	30,404	33,443	—
⚪ Gains (Losses) on Investment in Debt Instruments Measured at Fair Value Through Other Comprehensive Income	—	0	0	0	0	0	0	0	0	0	0	0	-213	862	-1,306	1,309	6	-242	163	-1,224	9	-264	-719	-1,402	91	2,494	1,877	—
⚪ Gains (Losses) on Cash Flow Hedges	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-161	51	92	348	-249	-543	—
⚪ Currency Translation Adjustments	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	4	120	-527	-139	-702	-92	1,167	208	-847	-1,399	-3,346	—
⚪ Share of Other Comprehensive Income (Expense) From Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method That Will Be Subsequently Reclassified to Profit or Loss	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-0	-1	0	2	-2	-2	5	-61	-12	-91	-104	—
⚪ Other Comprehensive Income That Will Be Subsequently Reclassified to Profit or Loss	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-278	0	0	0	0	0	—
⚪ Income Taxes Relating to Items That Will Be Subsequently Reclassified to Profit or Loss	—	0	0	0	0	0	0	0	0	0	0	0	792	-178	-260	-156	57	-577	-7	258	-435	86	-102	169	-66	-491	-274	—
⚪ Changes in Revaluation Surplus	—	0	0	0	0	0	0	0	0	0	0	0	0	0	1,142	0	0	3,047	0	0	955	0	0	0	689	0	0	—
⚪ Gains (Losses) on Investments in Equity Instruments Designated at Fair Value Through Other Comprehensive Income	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	1,001	-1,092	-947	358	-714	—
⚪ Share of Other Comprehensive Income (Expense) From Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method That Will Not Be Subsequently Reclassified to Profit or Loss	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-2	7	-12	-6	-4	—
⚪ Remeasurement of Employee Benefit Obligations	—	0	0	0	0	0	0	0	0	0	0	0	-58	19	80	-132	-72	-10	95	17	-258	-140	309	252	-29	-345	14	—
⚪ Income Taxes Relating to Items That Will Not Be Subsequently Reclassified to Profit or Loss	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-447	17	-335	-7	129	—
⚪ Other Comprehensive Income (Expense) - Net of Tax	—	0	0	0	0	0	0	0	0	0	0	0	347	760	1,040	626	-223	2,303	9	-1,030	1,653	-345	2,189	-1,056	862	263	-2,922	—
✅ Total Comprehensive Income (Expense) for the Period	—	0	0	0	0	0	0	0	0	0	0	0	9,651	15,428	13,025	14,949	18,630	23,987	23,569	24,161	34,785	22,996	36,244	29,834	33,995	30,667	30,520	—
⚪ Net Profit (Loss) Attributable to : Non-Controlling Interests	—	-579	22	32	58	71	27	89	12	-1	-2	23	39	43	119	154	218	280	351	379	383	300	260	177	203	704	1,704	—
⚪ Total Comprehensive Income (Expense) Attributable to : Owners of the Parent	—	0	0	0	0	0	0	0	0	0	0	0	9,611	15,385	12,906	14,796	18,410	23,709	23,220	23,782	34,405	22,686	35,989	29,655	33,788	29,881	29,036	—
⚪ Total Comprehensive Income (Expense) Attributable to : Non-Controlling Interests	—	0	0	0	0	0	0	0	0	0	0	0	39	43	119	153	220	278	349	379	380	309	255	178	206	787	1,484	—
⚪ Basic Earnings (Loss) per Share (Baht/share)	—	-5	-1	1	1	2	2	1	-1	1	1	1	2	2	2	2	3	3	3	3	4	3	5	4	4	4	4	—
⚪ Diluted Earnings (Loss) per Share (Baht/share)	—	0	0	0	1	1	1	0	-1	1	1	0	0	0	0	0	1	0	0	0	0	0	0	0	0	0	0	—

➕ งบกระแสเงินสด — บรรทัดเพิ่มเติมจาก SETSMART

รายการ (ทั้งปี)	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
⚪ Net Profit (Loss) Attributable to Owners of the Parent for the Period	—	-8,530	-2,667	2,119	3,053	4,673	6,017	1,666	-3,992	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Profit (Loss) Before Finance Costs And/or Income Tax Expense	—	0	0	0	0	0	0	0	0	5,454	8,161	12,340	15,614	19,006	15,928	18,354	23,640	27,092	29,300	31,658	41,236	28,878	42,348	38,728	41,496	39,366	41,160	—
✅ Depreciation and Amortisation	—	1,324	748	793	830	727	585	1,435	1,888	1,731	1,702	2,517	2,911	2,698	2,986	3,324	3,352	3,657	3,887	3,945	4,008	5,049	4,761	4,569	4,916	6,345	7,015	—
⚪ Depreciationค่าเสื่อมราคาสินทรัพย์ถาวร	—	1,324	748	793	830	854	970	1,435	1,888	1,731	0	2,517	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Amortisation	—	0	0	0	0	-127	-385	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ (Reversal Of) Expected Credit Losses(กลับรายการ) ผลขาดทุนด้านเครดิตที่คาดว่าจะเกิด (ECL)	—	0	0	0	0	0	0	0	0	0	9,129	11,425	11,392	10,396	17,380	16,739	20,186	21,315	22,970	26,180	28,203	36,644	31,604	26,652	35,617	45,782	43,790	—
⚪ Share of (Profit) Loss From Investments Accounted for Using the Equity Method	—	0	0	0	0	0	0	0	0	0	-126	-144	-32	-177	-112	-159	-358	-348	-302	-391	-1,409	-1,523	-1,930	-1,556	-1,583	-1,529	-1,290	—
⚪ (Gains) Losses on Foreign Currency Exchange	—	0	0	0	0	0	0	0	0	0	342	1,122	-1,182	684	-992	-388	8,269	567	-13,872	-1,343	-7,886	-1,862	1,773	-2,696	-2,968	4,860	-2,293	—
⚪ (Gains) Losses on Disposal of Other Investments	—	0	0	0	0	0	0	0	0	0	0	-971	-820	-800	0	0	-409	-599	-896	-374	-9,232	-109	-10,925	40	0	0	-2,936	—
⚪ (Gains) Losses on Disposal of Properties Foreclosed	—	0	0	0	0	0	0	0	0	0	-813	-883	-752	-786	-1,244	-656	-996	-629	-516	-264	-608	-1,031	-1,477	-1,000	-1,931	-1,361	-1,515	—
⚪ (Gains) Losses on Disposal and Write-Off of Fixed Assets	—	0	0	0	0	0	0	0	0	0	-66	-82	-98	-14	10	-47	-42	2	12	-2	5	90	209	322	315	347	-33	—
⚪ (Gains) Losses on Disposal of Fixed Assets	—	0	0	0	0	0	0	0	0	0	-66	-82	-98	-14	10	-47	-42	2	12	-2	5	90	209	322	315	347	0	—
⚪ (Gains) Losses on Disposal and Write-Off of Other Assets	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-1,956	-407	3,774	0	0	0	0	0	—
⚪ (Gains) Losses on Disposal of Other Assets	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-1,956	-407	3,774	0	0	0	0	0	—
⚪ (Reversal Of) Impairment Loss of Fixed Assets	—	0	0	0	0	0	0	0	0	0	0	0	0	-4	-14	4	2	-90	0	2	-17	0	0	0	-45	53	0	—
⚪ (Reversal Of) Loss on Impairment From Investments in Subsidiaries, Associates and Joint Ventures	—	0	0	0	0	0	0	0	0	0	0	0	0	18	0	-2	0	0	0	0	0	0	0	0	0	0	0	—
⚪ (Reversal Of) Impairment Loss of Properties Foreclosed	—	0	0	0	0	0	0	0	0	0	539	824	740	612	502	401	-301	433	481	625	207	303	-59	277	759	111	325	—
⚪ (Reversal Of) Impairment Loss of Other Assets	—	0	0	0	0	0	0	0	0	0	0	0	-57	-54	-231	166	-108	-134	105	-61	-268	-50	-19	-5	557	52	2,494	—
⚪ (Gains) Losses From Financial Assets Measured at Fair Value Through Profit or Loss	—	0	0	0	0	0	0	0	0	0	0	0	0	0	-633	-1,237	0	0	0	0	0	0	3,381	12,178	-1,720	-4,799	3,002	—
⚪ Net Interest Incomeรายได้ดอกเบี้ยสุทธิ	—	0	0	0	0	0	0	0	0	0	-779	-157	-37,465	-39,953	-387	483	-56,350	-61,977	-68,535	-75,328	-76,423	-81,304	-77,980	-83,778	-99,390	-107,894	-108,533	—
⚪ Interest Incomeรายได้ดอกเบี้ยรับ	—	0	0	0	0	0	0	0	0	0	0	0	-37,465	-39,953	26,066	26,901	-56,350	-61,977	-68,535	-75,328	-76,423	-81,304	0	0	0	0	0	—
⚪ Interest Expensesค่าใช้จ่ายดอกเบี้ย	—	0	0	0	0	0	0	0	0	0	-779	-157	0	0	-26,453	-26,418	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Dividend Income	—	0	0	0	0	0	0	0	0	0	0	0	-441	-504	-24	1	-171	-161	-195	-202	-210	-273	-366	-450	-425	-516	-576	—
⚪ Dividend and Interest Income (Amended Account)	—	0	0	0	0	0	0	0	0	0	2,605	-48,726	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Income Tax Expenseค่าใช้จ่ายภาษีเงินได้	—	0	0	0	0	0	0	0	0	0	-1,591	-4,126	0	0	-4,720	-4,889	70	0	0	2	0	0	0	0	0	0	0	—
⚪ Other Reconciliation Items	—	1,581	2,393	-18	1,477	4,253	4,374	20,111	17,932	8,619	1,001	50,366	1,096	2,554	2,084	2,831	2,360	325	203	252	1,653	-643	22	748	3,460	-853	3,350	—
⚪ Profit (Loss) From Operations Before Changes in Operating Assets and Liabilities	—	-5,625	473	2,893	5,360	9,653	10,976	23,212	15,828	15,805	20,104	23,503	-9,092	-6,326	30,532	34,925	-857	-10,546	-27,357	-17,258	-21,149	-12,056	-8,658	-5,969	-20,942	-20,034	-16,041	—
⚪ (Increase) Decrease in Interbank and Money Market Items	—	0	0	0	0	0	0	0	0	0	58,792	-21,019	-6,822	2,376	-7,382	9,190	5,706	-1,756	-132,802	85,651	-90,106	-186,203	180,430	-115,099	-35,165	31,542	33,138	—
⚪ (Increase) Decrease in Financial Assets Measured at Fair Value Through Profit or Loss	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	50	-262	-366	-8,592	-3,565	—
⚪ (Increase) Decrease in Loans	—	0	0	0	0	0	0	0	0	0	13,839	-64,681	-84,472	-110,026	-123,819	-86,775	-82,690	-161,449	-132,833	-191,343	-169,145	-66,474	-100,232	-99,493	-72,851	54,548	13,184	—
⚪ (Increase) Decrease in Properties Foreclosed	—	0	0	0	0	0	0	0	0	0	4,054	3,739	3,283	2,660	3,576	1,805	9,165	5,721	8,696	11,586	17,265	22,673	24,301	16,898	21,116	21,098	15,760	—
⚪ (Increase) Decrease in Other Operating Assets	—	6,839	-3,596	-22,845	-27,072	-53,294	-61,356	-30,218	-22,681	-12,630	5,278	-2,795	-1,880	-8,979	-1,667	25	-12,417	15,296	10,650	-5,001	-2,410	1,437	-201	5,425	-3,548	4,499	-1,982	—
⚪ Increase (Decrease) in Deposits	—	0	0	0	0	0	0	0	0	0	-35,982	56,285	-16,020	124,424	76,661	73,640	59,292	51,803	215,417	107,602	146,439	265,724	-62,034	29,785	36,252	-15,009	-78,484	—
⚪ Increase (Decrease) in Interbank and Money Market Items	—	0	0	0	0	0	0	0	0	0	-18,414	8,294	-20,046	17,782	6,100	-8,850	-7,856	39,472	-15,574	-32,593	20,672	-13,079	-51,626	85,268	2,718	-139,189	12,727	—
⚪ Increase (Decrease) in Liabilities Payable on Demand	—	0	0	0	0	0	0	0	0	0	46	-235	133	1,125	-231	-610	694	1,038	2,292	-255	-2,057	1,860	-1,643	241	182	84	479	—
⚪ Increase (Decrease) in Provisions	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Increase (Decrease) in Other Operating Liabilities	—	1,029	11,782	23,735	41,151	73,249	57,375	8,808	-58,817	-25,194	-3,150	8,004	10,365	5,054	3,401	-6,154	19,493	-9,556	-9,658	6,930	-7,709	2,254	-1,460	4,827	7,566	-7,312	8,649	—
✅ Cash Generated From (Used In) Operations	—	2,243	8,660	3,783	19,439	29,608	6,995	1,802	-65,670	-22,019	44,567	11,096	-124,552	28,090	-12,826	17,195	-9,469	-69,976	-81,169	-34,681	-108,200	16,135	-21,073	-78,381	-65,038	-78,365	-16,135	—
⚪ Interest Received	—	0	0	0	0	0	0	0	0	0	0	0	56,190	64,245	0	0	86,589	92,039	94,931	106,746	110,349	103,431	98,144	104,285	136,395	158,078	145,825	—
⚪ Interest Paid	—	0	0	0	0	0	0	0	0	0	0	0	-19,175	-25,213	0	0	-25,494	-23,118	-26,076	-30,054	-32,564	-29,844	-22,995	-20,011	-34,428	-48,367	-42,746	—
⚪ Dividend Received	—	0	0	0	0	0	0	0	0	0	0	0	435	498	0	0	172	157	198	203	210	273	366	450	425	516	576	—
✅ Income Tax (Paid) Received	—	0	0	0	0	0	0	0	0	0	0	0	-4,950	-4,962	0	0	-5,048	-5,259	-5,436	-6,928	-7,093	-6,373	-8,038	-6,799	-8,668	-9,451	-9,362	—
⚪ Proceeds From Investment	—	1,730	0	1,618	0	3,015	0	0	15,895	0	227,647	552,412	727,927	929,270	604,056	1,134,618	76,303	134,759	129,361	70,212	80,976	115,465	81,952	65,863	61,169	63,717	65,504	—
⚪ Proceeds From Disposal of Investments	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	81,952	65,863	61,169	63,717	65,504	—
⚪ Purchase of Investments	—	0	-3,377	0	-30,254	0	-5,423	-5,691	0	-20,006	-241,905	-559,935	-734,301	-929,686	-600,992	-1,116,473	-48,465	-156,541	-80,581	-121,251	-62,415	-162,224	-102,115	-31,413	-42,757	-68,464	-102,016	—
⚪ Proceeds From Disposal of Investment in Subsidiaries, Associates and Joint Ventures	—	0	0	0	0	0	0	0	0	0	580	0	0	0	0	0	0	-4,962	-16	-63	-855	-984	12,697	0	0	0	0	—
⚪ Payment for Purchase of Investment in Subsidiaries, Associates and Joint Ventures	—	0	0	0	0	0	0	0	0	0	-11,309	-7	-1,015	-80	0	0	0	0	0	0	8,027	0	-1,545	-811	-26,990	-74	-8,055	—
✅ Proceeds From Disposal of Fixed Assets	—	32	36	14	88	7	12	98	115	120	666	310	99	70	181	96	229	83	79	-496	118	298	219	238	394	602	769	—
⚪ Property, Plant and Equipment	—	32	36	14	88	7	12	98	115	120	666	310	99	70	181	96	229	83	79	-496	118	298	219	238	394	602	769	—
⚪ Intangible Assets	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
✅ Payment for Purchase of Fixed Assets	—	-243	-674	-660	-684	-818	-1,775	-1,922	-1,331	-1,509	-1,599	-1,088	-2,228	-4,368	-1,758	-1,770	-4,202	-4,695	-5,021	-3,524	-3,203	-4,500	-3,008	-3,931	-4,720	-6,483	-5,222	—
⚪ Other Items (Investing Activities)	—	0	0	0	0	-70	-180	-92	-173	-498	-1,993	-504	0	0	-747	-668	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Increase (Decrease) in Debts Issued and Borrowings	—	0	0	0	0	0	0	2,599	16,126	42,712	-15,176	2,587	108,898	-53,634	19,976	-22,799	-63,376	47,499	-17,451	25,013	20,026	-28,732	-27,378	-20,023	2,532	-3,881	-25,953	—
⚪ Repayments of Debts Issued and Borrowings	—	0	0	0	0	0	0	-3,752	-3,168	-19,958	-25,720	-120,957	-235,014	-340,970	-224,764	-253,934	-315,316	-290,444	-296,556	-38,270	-47,222	-40,953	-54,834	-65,525	-22,423	-29,854	-32,742	—
⚪ Proceeds From Debts Issued and Borrowings	—	0	0	0	0	0	0	6,351	19,294	62,670	28,032	123,544	343,912	287,336	244,740	231,134	251,940	337,943	279,104	63,282	67,248	12,221	27,456	45,502	24,955	25,973	6,789	—
⚪ Increase (Decrease) in Debts Issued and Borrowings (Amended Account)	—	0	0	0	0	0	0	0	0	0	-17,489	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Repayments on Lease Liabilities	—	0	0	0	0	0	0	0	0	0	0	0	-144	0	-20	-31	-26	-20	-21	-77	-189	-1,632	-1,579	-1,641	-1,654	-1,813	-1,694	—
⚪ Proceeds From Issuance of Equity Instruments	—	147	0	0	10,000	0	237	0	35,658	3,739	0	0	0	0	0	0	72	0	0	0	0	0	0	0	0	0	0	—
✅ Dividend Paid	—	0	0	0	0	0	-1,148	-1,162	-961	-909	-1,821	-2,429	-4,252	-4,556	-4,859	-4,859	-6,171	-5,967	-6,334	-6,367	-6,388	-3,310	-5,517	-6,311	-6,309	-6,312	-6,833	—
⚪ Other Items (Financing Activities)	—	-5,924	-3,667	-183	4,080	-26,000	0	6,397	0	-450	0	0	0	-13	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Net Increase (Decrease) in Cash	—	-2,014	977	4,572	2,669	5,742	-1,282	2,029	-340	1,180	-343	2,442	2,931	-339	3,011	5,309	1,113	3,999	2,463	-1,268	-249	-1,998	131	1,516	10,352	-298	-5,341	—
⚪ Effect of Exchange Rate Changes on Cash	—	0	0	0	0	0	0	0	0	0	14	-71	96	-11	165	-40	154	-10	-60	3	-52	82	78	4	12	-19	-28	—
⚪ Differences of Foreign Currency Exchange on Financial Statements Translation	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	3	120	-279	-66	-500	-42	896	11	-857	-410	-2,431	—
⚪ Other Items	—	-20	-0	21	16	32	7	-53	-18	40	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
⚪ Cash and Cash Equivalents, Beginning Balance	—	6,861	4,828	5,804	10,397	13,082	18,857	17,582	19,558	19,200	20,419	20,090	23,075	26,103	25,753	28,929	34,198	35,468	39,577	41,701	40,370	39,570	37,613	38,718	40,249	49,756	49,029	—
✅ Cash and Cash Equivalents, Ending Balance	—	4,828	5,804	10,397	13,082	18,857	17,582	19,558	19,200	20,419	20,090	22,461	26,103	25,753	28,929	34,198	35,468	39,577	41,701	40,370	39,570	37,613	38,718	40,249	49,756	49,029	41,229	—