Non-Performing Loans 85,448 mn. Baht 7.68%
2008
Net Non-Performing Loans
84,920 mn. Baht 6.52%
58,813 mn. Baht 5.42%
2009
52,209 mn. Baht 4.11%
2008
2009
Allowance for Doubtful Accounts As at December 31, 2009 the Bank and subsidiaries’ allowance for doubtful accounts (including allowance for revaluation from troubled debt restructuring) posted Baht 40,451 million, up by Baht 4,866 million or 13.67 percent from prior year-end. Troubled Debt Restructuring (TDR) In 2009, the Bank made TDR agreements totaling 5,948 cases with book value of debt before TDR of Baht 43,063 million. Interest and principle totaling Baht 3,854 were repaid while additional loans of Baht 2,750 million were made and bad debts from TDR registered Baht 597 million.
Troubled Debt Restructuring (Bank’s Financial Statements)
Million Baht December 31, 2009 No. of Cases
Assets transferred Loan terms modification Combination of debt restructuring Total
Book Value
of Debt before TDR
December 31, 2008 No. of Cases
Book Value of Debt before TDR
Change (%) No. of Cases
Book Value of Debt before TDR
22 1,418 35 2,360 (37.14) (39.92) 1,018 11,297 1,124 9,558 (9.43) 18.19 4,908 30,348 4,432 29,486 10.74 2.92 5,948 43,063 5,591 41,404 6.39 4.01
Net Properties Foreclosed As at year-end 2009, the Bank and subsidiaries’ non-performing assets (NPAs) amounted to Baht 42,148 million, up by Baht 4,568 million or 12.16 percent from prior year-end, most of which resulted from acceptance of assets transfer for debt repayment to resolve NPL problems and auctioned purchase of collateral properties mortgaged arranged by the Legal Execution Department. Annual Report 2009 Krung Thai Bank Pcl.
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