BKK:HENG 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	2,063	2,686	2,556	1,861	1,471
Total Interest Expense	335.19	532.72	441.4	218.9	184.75
Net Interest Income	1,728	2,153	2,114	1,642	1,287
Commissions and Fees	41.75	110.5	254.72	197.59	105.02
Other Revenue	47.43	64.04	67.43	65.38	68.07
Revenue Before Loan Losses	1,817	2,328	2,436	1,905	1,460
Provision for Loan Losses	705.7	857.07	412.99	230.12	177.64
Revenue	1,112	1,471	2,023	1,675	1,282
Revenue Growth (YoY)	-24.42%	-27.30%	20.77%	30.68%	7.22%
Cost of Services Provided	876.81	1,145	1,233	1,001	790.82
Other Operating Expenses	140.41	235.26	29.01	-	-
Total Operating Expenses	1,017	1,381	1,262	1,001	790.82
Operating Income	94.5	90.42	761.14	674.81	491.21
EBT Excluding Unusual Items	94.5	90.42	761.14	649.88	494.01
Pretax Income	42.25	90.48	525.03	574.96	440.44
Income Tax Expense	8.27	17.5	103.03	113.84	86.63
Net Income	33.98	72.98	422.01	461.12	353.8
Net Income to Common	33.98	72.98	422.01	461.12	353.8
Net Income Growth	-53.44%	-82.71%	-8.48%	30.33%	11.24%
Shares Outstanding (Basic)	3,810	3,810	3,810	3,810	3,187
Shares Outstanding (Diluted)	3,810	3,810	3,810	3,810	3,187
Shares Change (YoY)	-	-	-	19.55%	5.91%
EPS (Basic)	0.01	0.02	0.11	0.12	0.11
EPS (Diluted)	0.01	0.02	0.11	0.12	0.11
EPS Growth	-53.44%	-82.71%	-8.48%	9.02%	5.04%
Free Cash Flow	4,224	2,768	-2,056	-2,065	-257.57
Free Cash Flow Per Share	1.11	0.73	-0.54	-0.54	-0.08
Dividend Per Share	0.026	0.052	0.067	0.067	0.010
Dividend Growth	-50.09%	-21.05%	-0.15%	566.00%	-97.06%
Operating Margin	8.50%	6.15%	37.62%	40.28%	38.31%
Profit Margin	3.06%	4.96%	20.86%	27.52%	27.60%
Free Cash Flow Margin	379.96%	188.20%	-101.63%	-123.27%	-20.09%
Effective Tax Rate	19.57%	19.34%	19.62%	19.80%	19.67%
Revenue as Reported	2,153	2,861	2,878	2,124	1,644

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