BKK:HENG Income Statement

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

Millions THB. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	2,242	2,686	2,556	1,861	1,471	1,450
Total Interest Expense	388.46	532.72	441.4	218.9	184.75	212.18
Net Interest Income	1,853	2,153	2,114	1,642	1,287	1,238
Commissions and Fees	48.85	110.5	254.72	197.59	105.02	102.63
Other Revenue	41.97	64.04	67.43	65.38	68.07	37.05
Revenue Before Loan Losses	1,944	2,328	2,436	1,905	1,460	1,378
Provision for Loan Losses	692.84	857.07	412.99	230.12	177.64	182.05
Revenue	1,251	1,471	2,023	1,675	1,282	1,196
Revenue Growth (YoY)	-25.66%	-27.30%	20.77%	30.68%	7.22%	10.36%
Cost of Services Provided	925.36	1,145	1,233	1,001	790.82	710.28
Other Operating Expenses	-126.44	-43.93	29.01	-	-	-
Total Operating Expenses	798.92	1,101	1,262	1,001	790.82	710.28
Operating Income	452.13	369.61	761.14	674.81	491.21	485.46
EBT Excluding Unusual Items	452.13	369.61	761.14	649.88	494.01	498.04
Pretax Income	162.53	90.48	525.03	574.96	440.44	398.5
Income Tax Expense	31.94	17.5	103.03	113.84	86.63	80.45
Net Income	130.59	72.98	422.01	461.12	353.8	318.06
Net Income to Common	130.59	72.98	422.01	461.12	353.8	318.06
Net Income Growth	-24.43%	-82.71%	-8.48%	30.33%	11.24%	68.56%
Shares Outstanding (Basic)	3,810	3,810	3,810	3,810	3,187	3,009
Shares Outstanding (Diluted)	3,810	3,810	3,810	3,810	3,187	3,009
Shares Change (YoY)	-	-	-	19.55%	5.91%	2.64%
EPS (Basic)	0.03	0.02	0.11	0.12	0.11	0.11
EPS (Diluted)	0.03	0.02	0.11	0.12	0.11	0.11
EPS Growth	-24.44%	-82.71%	-8.48%	9.02%	5.04%	64.23%
Free Cash Flow	4,114	2,768	-2,056	-2,065	-257.57	317.24
Free Cash Flow Per Share	1.08	0.73	-0.54	-0.54	-0.08	0.10
Dividend Per Share	0.052	0.052	0.067	0.067	0.010	0.340
Dividend Growth	-21.05%	-21.05%	-0.15%	566.00%	-97.06%	-
Operating Margin	36.14%	25.13%	37.62%	40.28%	38.31%	40.60%
Profit Margin	10.44%	4.96%	20.86%	27.52%	27.60%	26.60%
Free Cash Flow Margin	328.86%	188.20%	-101.63%	-123.27%	-20.09%	26.53%
Effective Tax Rate	19.65%	19.34%	19.62%	19.80%	19.67%	20.19%
Revenue as Reported	2,332	2,861	2,878	2,124	1,644	1,590

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