Bangkok Commercial Asset Management PCL (BKK:BAM)

BKK:BAM Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	9,879	10,199	9,177	9,839	9,569	9,946
Total Interest Expense	3,287	3,231	2,908	2,637	2,559	2,391
Net Interest Income	6,592	6,967	6,269	7,202	7,010	7,555
Other Revenue	604	628.61	662.46	406.76	773.89	482.73
Revenue Before Loan Losses	7,196	7,596	6,932	7,608	7,784	8,038
Provision for Loan Losses	4,566	4,811	4,250	4,050	4,778	5,313
Revenue	2,630	2,784	2,682	3,558	3,006	2,725
Revenue Growth (YoY)	-10.53%	3.81%	-24.62%	18.36%	10.33%	-61.41%
Salaries & Employee Benefits	1,603	1,438	1,609	1,578	1,599	1,528
Cost of Services Provided	223.04	217.61	199.84	197.99	213.37	229.3
Other Operating Expenses	-744.73	-725.19	-946.26	-1,422	-2,050	-1,114
Total Operating Expenses	1,082	930.2	862.57	353.66	-237.56	644.11
Operating Income	1,549	1,854	1,820	3,205	3,244	2,081
EBT Excluding Unusual Items	1,549	1,854	1,820	3,205	3,244	2,081
Other Unusual Items	192	94	24	2	12	115
Pretax Income	2,789	1,948	1,844	3,207	3,256	2,196
Income Tax Expense	556.43	346.5	309.05	481.88	655.62	355.13
Net Income	2,233	1,602	1,534	2,725	2,600	1,841
Net Income to Common	2,233	1,602	1,534	2,725	2,600	1,841
Net Income Growth	29.64%	4.38%	-43.68%	4.79%	41.27%	-82.76%
Shares Outstanding (Basic)	3,203	3,203	3,265	3,244	3,232	3,223
Shares Outstanding (Diluted)	3,203	3,203	3,265	3,244	3,232	3,223
Shares Change (YoY)	-1.89%	-1.89%	0.65%	0.36%	0.29%	17.17%
EPS (Basic)	0.70	0.50	0.47	0.84	0.80	0.57
EPS (Diluted)	0.70	0.50	0.47	0.84	0.80	0.57
EPS Growth	32.14%	6.38%	-44.05%	4.41%	40.85%	-85.29%
Free Cash Flow	8,105	1,364	-6,120	846.8	5,243	-51.34
Free Cash Flow Per Share	2.53	0.43	-1.88	0.26	1.62	-0.02
Dividend Per Share	0.350	0.350	0.380	0.550	0.550	0.512
Dividend Growth	-7.90%	-7.90%	-30.91%	-	7.32%	-51.19%
Operating Margin	58.88%	66.59%	67.84%	90.06%	107.90%	76.36%
Profit Margin	84.90%	57.52%	57.21%	76.58%	86.49%	67.55%
Free Cash Flow Margin	308.15%	48.99%	-228.18%	23.80%	174.39%	-1.88%
Effective Tax Rate	19.95%	17.79%	16.76%	15.03%	20.14%	16.17%
Revenue as Reported	9,580	9,580	9,097	-	-	-

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