Page 127 - BAM ONE REPORT 2565 (ENGLISH VERSION)

121

Form 56-1 One Report 2022

Equity
As of December 31, 2022, the Company has total equity of Baht 43,708 million, increasing by 2.2%. yoy.

Interest Income – net
This table mainly presents items that have significant changes.

Unit: Baht in Million Q 4/2022 Q 3/2022 qoq Q 4/2021 yoy yoy
% Inc. % Inc. 2022 2021 % Inc.
(Dec.) (Dec.) (Dec.)

Interest Income - net 1,825 1,856 (1.7) 1,955 (6.6) 7,202 7,010 2.7
Total Interest Income 2,519 2,528 (0.4) 2,585 (2.6) 9,839 9,569 2.8
Deposit at financial institutions 9 4 125.0 1 800.0 17 8 112.5
Loans purchased of receivables 2,494 2,520 (1.0) 2,541 (1.8) 9,779 9,369 4.4
- Part of amount received 776 605 28.3 476 63.0 2,398 1,516 58.2
- Part of accrued 746 910 (18.0) 1,059 (29.6) 3,678 4,531 (18.8)
- Gain on loans purchased of receivables 972 1,005 (3.3) 1,006 (3.4) 3,703 3,322 11.5
Installment sale receivables 30 27 11.1 26 15.4 112 115 (2.6)
Total interest expenses 694 672 3.3 630 10.2 2,637 2,559 3.0
Debt issued – debentures 603 582 3.6 506 19.2 2,260 1,959 15.4
Debt issued – promissory notes 23 24 (4.2) 27 (14.8) 96 107 (10.3)
Borrowings 68 66 3.0 97 (29.9) 281 493 (43.0)

• In Q4/2022, the Company has total interest income of Baht 1,825 million, decreasing by 1.7% qoq and
6.6% yoy. For the year ended December 31, 2022, the Company has total interest income of Baht 7,202 million,
increasing by 2.7% yoy, mainly due to
- Interest income on loans purchased of receivables - part of amount received, Baht 776 million in
Q4/2022, increased by 28.3% qoq and 63.0% yoy. For the year ended December 31, 2022, the Company
has interest income on loans purchased of receivables - part of amount received, Baht 2,398 million,
increasing by 58.2% yoy due to the economic conditions, the improvement of the debtors’ ability to
repay debts, strategy to enhance TDR debtors, and collateral auction activities through the Legal
Execution Department that returned to normal.
- Interest income - part of accrued of Baht 746 million in Q4/2022, decreased by 18.0% qoq and 29.6% yoy.
For the year ended December 31, 2022, the Company has interest income - part of amount received,
Baht 3,678 million, decreasing by 18.8% yoy, in line with the increase in interest income - part of
amount received. In addition, the Company also recorded expected credit losses on the interest income
on loan purchased of receivables - part of accrued in accordance with the Company’s performance.