Table code EC_MB_030_S2
Title Main Assets and Liabilities of Commercial Banks
Frequency ,Lag time Frequency Monthly
and Release Lag time 40 days
schedule Release schedule
Preliminary figures : Day 10th
Actual figures (with revision, if necessary) : The subsequent scheduled release
Summary This table provides accounting data on the main assets and liabilities of
Methodology commercial banks as well as data on capital funds and risk assets.
Analytical The table presents outstanding amount of assets and liabilities at end of month.
Concepts, Data is available from the January 2007reference period.
Definitions, and Main Assets and Liabilities
Scope of the
data 1. Loans comprise bills, overdrafts, and term-loans.
Accounting Of which: Inter Commercial Banks (This items is provided for the
Conventions convenience of users who need inter-bank data in order to calculate Loans
less Inter-bank Loans.)
Nature of the
Basic Data 1.1 Bills comprise:
• Domestic bills are issued domestically and shall be paid by the
Compilation payers who reside in Thailand. They are issued as evidence of debt
Practices linked to trade of goods or non-trade transactions.
• Foreign bills include:
o Export bills are claims on nonresidents or their representative
overseas banks for the sales of exported goods; local banks
purchase or discount export bills from local exporters.
o Import bills are claims on local importers because local banks on
behalf of the importers make payments to nonresidents or
overseas banks for the imported goods.
o Trust receipts are credits that local banks arrange for local
importers who want to take the imported goods but postpone
the payment of due import bills (including T/R on document
against payment, but excluding T/R on time or usance bills.)
o Other foreign bills
1.2 Overdraft occurs when withdrawals from current account deposits
exceed the available balance.
1.3 Term loans comprise loans of specified maturity and repurchase
2. Deposits comprise deposits of all depositors (including cheques in the
process of collection):
Of which: Inter Commercial Banks (This items is provided for the
convenience of users who need inter-bank data in order to calculate Deposits
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less Inter-bank deposits.)
2.1 Transferable deposits (or current account deposits)
2.2 Savings deposits
2.3 Time deposits (or fixed deposits)
3. Loans and Securities Other than Shares comprise borrowings through
overdraft and term loans, and securities such as negotiable certificate of deposit
(NCD) / floating rate certificate of deposit (FRCD), floating rate note (FRN),
debentures or bonds and bill of exchange so on.
4. Capital funds refer to the funds that locally-registered commercial banks
maintain in proportion to risk to ensure depositors and creditors of the banks’
ability to fulfill commitments and meet unexpected losses.
Tier 1 capital consists of
1. Paid-up capital, issued warrants, and surplus (deficit) of share price above
2. Statutory reserve
3. Reserves appropriated from net profits
4. Net profits after appropriation
5. Long-term non-cumulative hybrid debt capital instruments, others and
Tier 2 capital consists of
1. Reserves from revaluation of land and premises, and available-for-sale
equities, and other reserve e.g. reserves for assets classified as ‘Pass”.
2. Long-term cumulative hybrid debt capital instruments and subordinated
debts, cumulative preferred stocks, others and deduction items.
Risk assets refer to assets and customers’ liabilities under acceptance
multiplied by the risk weight (risk conversion ratio) of each type of assets. The
risk conversion ratio was specified by the Bank of Thailand in line with the
principle set by Bank for International Settlement (BIS).
Minimal Requirement of Capital Adequacy Ratios
Commercial banks must maintain capitals fund by the following minimal
percentage of total risk assets.
Locally Registered Commercial of Foreign
Tier 1 Total
Jan 1, 1993 5.00 % 7.00 % 6.25 %
Apr 1, 1994 5.00 % 7.50 % 6.50 %
Jan 1, 1995 5.50 % 8.00 % 6.75 %
Oct 1, 1996 6.00 % 8.50 % 7.50 %
Aug 14, 1998 4.25 % 8.50 % 7.50 %
Source of data The table is compiled from the balance sheets and supplementary data of
commercial banks, which are submitted regularly as reports to the Bank of
Thailand. The reporting commercial banks include:
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1 Domestically Registered Commercial Banks
2 Branches of Foreign Banks
Accessibility BOT’s website
Revision policy Revision is made when updated data become available.
Remark 1. Including interbank transactions.
2. Since January 2007, GE Money Retail Bank Public Co., Ltd. has closed and
Thai Keha Credit Foncier Co., Ltd. became The Thai Credit Retail Bank Plc
3. Since March 2007, AIG Finance (Thailand) Public Co., Ltd. became AIG Retail
Bank Public Co., Ltd.
Monetary and Financial Statistics Team
Data Management Department
Tel. 66(0)2283-5125, 2283-5622
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