BKK:BAM Income Statement

Financials in millions THB. Fiscal year is January - December.

Millions THB. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	9,812	10,199	9,177	9,839	9,569
Total Interest Expense	3,161	3,231	2,908	2,637	2,559
Net Interest Income	6,651	6,967	6,269	7,202	7,010
Other Revenue	520.17	628.61	662.46	406.76	773.89
Revenue Before Loan Losses	7,171	7,596	6,932	7,608	7,784
Provision for Loan Losses	4,645	4,811	4,250	4,050	4,778
Revenue	2,526	2,784	2,682	3,558	3,006
Revenue Growth (YoY)	-9.28%	3.81%	-24.62%	18.36%	10.33%
Salaries & Employee Benefits	1,643	1,438	1,609	1,578	1,599
Cost of Services Provided	231.06	217.61	199.84	197.99	213.37
Other Operating Expenses	-1,606	-725.19	-946.26	-1,422	-2,050
Total Operating Expenses	268.07	930.2	862.57	353.66	-237.56
Operating Income	2,258	1,854	1,820	3,205	3,244
EBT Excluding Unusual Items	2,258	1,854	1,820	3,205	3,244
Other Unusual Items	6	94	24	2	12
Pretax Income	2,264	1,948	1,844	3,207	3,256
Income Tax Expense	451.77	346.5	309.05	481.88	655.62
Net Income	1,812	1,602	1,534	2,725	2,600
Net Income to Common	1,812	1,602	1,534	2,725	2,600
Net Income Growth	13.15%	4.38%	-43.68%	4.79%	41.27%
Shares Outstanding (Basic)	3,236	3,203	3,265	3,244	3,232
Shares Outstanding (Diluted)	3,236	3,203	3,265	3,244	3,232
Shares Change (YoY)	1.03%	-1.89%	0.65%	0.36%	0.29%
EPS (Basic)	0.56	0.50	0.47	0.84	0.80
EPS (Diluted)	0.56	0.50	0.47	0.84	0.80
EPS Growth	12.00%	6.38%	-44.05%	4.41%	40.85%
Free Cash Flow	8,062	1,364	-6,120	846.8	5,243
Free Cash Flow Per Share	2.49	0.43	-1.88	0.26	1.62
Dividend Per Share	0.500	0.350	0.380	0.550	0.550
Dividend Growth	42.86%	-7.90%	-30.91%	-	7.32%
Operating Margin	89.39%	66.59%	67.84%	90.06%	107.90%
Profit Margin	71.74%	57.52%	57.21%	76.58%	86.49%
Free Cash Flow Margin	319.13%	48.99%	-228.18%	23.80%	174.39%
Effective Tax Rate	19.95%	17.79%	16.76%	15.03%	20.14%
Revenue as Reported	10,237	9,580	9,097	-	-

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.