BKK:HENG Income Statement

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

Millions THB. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	1,883	2,063	2,686	2,556	1,861	1,471
Total Interest Expense	280.09	335.19	532.72	441.4	218.9	184.75
Net Interest Income	1,603	1,728	2,153	2,114	1,642	1,287
Commissions and Fees	37.05	41.75	110.5	254.72	197.59	105.02
Other Revenue	47.83	47.43	64.04	67.43	65.38	68.07
Revenue Before Loan Losses	1,688	1,817	2,328	2,436	1,905	1,460
Provision for Loan Losses	645.2	705.7	857.07	412.99	230.12	177.64
Revenue	1,043	1,112	1,471	2,023	1,675	1,282
Revenue Growth (YoY)	-25.48%	-24.42%	-27.30%	20.77%	30.68%	7.22%
Cost of Services Provided	816.91	876.81	1,145	1,233	1,001	790.82
Other Operating Expenses	140.41	140.41	235.26	29.01	-	-
Total Operating Expenses	957.31	1,017	1,381	1,262	1,001	790.82
Operating Income	85.5	94.5	90.42	761.14	674.81	491.21
EBT Excluding Unusual Items	85.5	94.5	90.42	761.14	649.88	494.01
Pretax Income	55.25	42.25	90.48	525.03	574.96	440.44
Income Tax Expense	10.57	8.27	17.5	103.03	113.84	86.63
Net Income	44.68	33.98	72.98	422.01	461.12	353.8
Net Income to Common	44.68	33.98	72.98	422.01	461.12	353.8
Net Income Growth	-56.55%	-53.44%	-82.71%	-8.48%	30.33%	11.24%
Shares Outstanding (Basic)	3,289	3,810	3,810	3,810	3,810	3,187
Shares Outstanding (Diluted)	3,289	3,810	3,810	3,810	3,810	3,187
Shares Change (YoY)	-13.68%	-	-	-	19.55%	5.91%
EPS (Basic)	0.01	0.01	0.02	0.11	0.12	0.11
EPS (Diluted)	0.01	0.01	0.02	0.11	0.12	0.11
EPS Growth	-49.66%	-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	0.026	0.052	0.067	0.067	0.010
Dividend Growth	-50.09%	-50.09%	-21.05%	-0.15%	566.00%	-97.06%
Operating Margin	8.20%	8.50%	6.15%	37.62%	40.28%	38.31%
Profit Margin	4.29%	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	19.13%	19.57%	19.34%	19.62%	19.80%	19.67%
Revenue as Reported	1,968	2,153	2,861	2,878	2,124	1,644

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