Krungthai Card Public Company Limited (BKK: KTC)

KTC Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest and Dividend Income	14,580	12,742	11,379	10,673	10,538	9,468
Total Interest Expense	1,796	1,703	1,392	1,416	1,560	1,566
Net Interest Income	12,784	11,039	9,986	9,257	8,978	7,902
Commissions and Fees	7,640	8,835	7,976	7,234	8,380	9,172
Other Revenue	534.24	456.07	394.75	246.08	284.18	340.12
Revenue Before Loan Losses	20,958	20,330	18,357	16,738	17,642	17,414
Provision for Loan Losses	2,744	2,645	1,448	2,189	3,286	2,937
Revenue	18,214	17,685	16,909	14,548	14,357	14,477
Revenue Growth (YoY)	5.77%	4.59%	16.23%	1.33%	-0.83%	4.92%
Cost of Services Provided	8,790	8,182	7,558	6,817	7,031	7,177
Other Operating Expenses	618.56	618.56	558.5	508.71	491.7	544.87
Total Operating Expenses	9,409	8,801	8,117	7,326	7,523	7,722
Operating Income	8,805	8,885	8,793	7,223	6,834	6,755
Earnings From Equity Investments	29.93	47.02	17.44	10.67	0.8	-
Currency Exchange Gain (Loss)	194.96	136.58	61.06	22.18	45.45	149.11
Pretax Income	9,030	9,068	8,871	7,255	6,880	6,904
Income Tax Expense	1,839	1,819	1,818	1,467	1,372	1,380
Earnings From Continuing Ops.	7,191	7,250	7,054	5,789	5,508	5,524
Minority Interest in Earnings	55.89	45.76	25.79	90.17	-175.45	0.11
Net Income	7,247	7,295	7,079	5,879	5,333	5,524
Net Income to Common	7,247	7,295	7,079	5,879	5,333	5,524
Net Income Growth	1.84%	3.05%	20.42%	10.24%	-3.46%	7.48%
Shares Outstanding (Basic)	2,579	2,578	2,574	2,578	2,578	2,578
Shares Outstanding (Diluted)	2,579	2,578	2,574	2,578	2,578	2,578
Shares Change (YoY)	0.39%	0.14%	-0.16%	0.00%	-	-
EPS (Basic)	2.81	2.83	2.75	2.28	2.07	2.14
EPS (Diluted)	2.81	2.83	2.75	2.28	2.07	2.14
EPS Growth	1.45%	2.91%	20.61%	10.23%	-3.46%	7.48%
Free Cash Flow	7,035	1,927	-4,395	8,239	5,258	-2,441
Free Cash Flow Per Share	2.73	0.75	-1.71	3.20	2.04	-0.95
Dividend Per Share	1.270	1.270	1.150	1.000	0.880	0.880
Dividend Growth	10.43%	10.43%	15.00%	13.64%	0%	7.32%
Operating Margin	48.34%	50.24%	52.00%	49.65%	47.60%	46.66%
Profit Margin	39.79%	41.25%	41.87%	40.41%	37.15%	38.16%
Free Cash Flow Margin	38.62%	10.90%	-25.99%	56.63%	36.63%	-16.86%
Effective Tax Rate	20.36%	20.05%	20.49%	20.22%	19.94%	19.99%
Revenue as Reported	26,668	25,418	23,231	21,442	22,452	22,625

Source: S&P Capital IQ. Financial Services template. Financial Sources.