Krungthai Card PCL 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	16,254	16,188	12,742	11,379	10,673
Total Interest Expense	1,694	1,806	1,703	1,392	1,416
Net Interest Income	14,560	14,382	11,039	9,986	9,257
Commissions and Fees	6,513	6,378	8,835	7,976	7,234
Gain (Loss) on Sale of Investments	-	0	-	-	-
Other Revenue	646.86	554.14	456.07	394.75	246.08
Revenue Before Loan Losses	21,719	21,314	20,330	18,357	16,738
Provision for Loan Losses	1,869	2,653	2,645	1,448	2,189
Revenue	19,851	18,662	17,685	16,909	14,548
Revenue Growth (YoY)	6.37%	5.52%	4.59%	16.23%	1.33%
Cost of Services Provided	9,639	8,979	8,182	7,558	6,817
Other Operating Expenses	-	642.75	618.56	558.5	508.71
Total Operating Expenses	9,639	9,622	8,801	8,117	7,326
Operating Income	10,212	9,040	8,885	8,793	7,223
Earnings From Equity Investments	-	-	47.02	17.44	10.67
Currency Exchange Gain (Loss)	244.07	225.66	136.58	61.06	22.18
Pretax Income	10,456	9,265	9,068	8,871	7,255
Income Tax Expense	2,897	1,877	1,819	1,818	1,467
Earnings From Continuing Ops.	7,559	7,388	7,250	7,054	5,789
Minority Interest in Earnings	222.28	49.15	45.76	25.79	90.17
Net Income	7,782	7,437	7,295	7,079	5,879
Net Income to Common	7,782	7,437	7,295	7,079	5,879
Net Income Growth	4.63%	1.94%	3.05%	20.42%	10.23%
Shares Outstanding (Basic)	2,577	2,582	2,578	2,574	2,578
Shares Outstanding (Diluted)	2,577	2,582	2,578	2,574	2,578
Shares Change (YoY)	-0.22%	0.17%	0.14%	-0.16%	0.00%
EPS (Basic)	3.02	2.88	2.83	2.75	2.28
EPS (Diluted)	3.02	2.88	2.83	2.75	2.28
EPS Growth	4.86%	1.77%	2.91%	20.61%	10.23%
Free Cash Flow	-	5,833	1,927	-4,395	8,239
Free Cash Flow Per Share	-	2.26	0.75	-1.71	3.19
Dividend Per Share	-	1.320	1.270	1.150	1.000
Dividend Growth	-	3.94%	10.44%	15.00%	13.64%
Operating Margin	51.44%	48.44%	50.24%	52.00%	49.65%
Profit Margin	39.20%	39.85%	41.25%	41.87%	40.41%
Free Cash Flow Margin	-	31.25%	10.90%	-25.99%	56.63%
Effective Tax Rate	27.71%	20.26%	20.05%	20.49%	20.22%
Revenue as Reported	27,695	27,456	25,418	23,231	21,442

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.