Krungthai Card PCL (BKK:KTC)

Krungthai Card PCL Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	16,191	16,188	12,742	11,379	10,673	10,538
Total Interest Expense	1,779	1,806	1,703	1,392	1,416	1,560
Net Interest Income	14,413	14,382	11,039	9,986	9,257	8,978
Commissions and Fees	6,501	6,378	8,835	7,976	7,234	8,380
Gain (Loss) on Sale of Investments	0	0	-	-	-	-
Other Revenue	585.05	554.14	456.07	394.75	246.08	284.18
Revenue Before Loan Losses	21,499	21,314	20,330	18,357	16,738	17,642
Provision for Loan Losses	2,462	2,653	2,645	1,448	2,189	3,286
Revenue	19,037	18,662	17,685	16,909	14,548	14,357
Revenue Growth (YoY)	4.52%	5.52%	4.59%	16.23%	1.33%	-0.83%
Cost of Services Provided	9,038	8,979	8,182	7,558	6,817	7,031
Other Operating Expenses	642.75	642.75	618.56	558.5	508.71	491.7
Total Operating Expenses	9,680	9,622	8,801	8,117	7,326	7,523
Operating Income	9,356	9,040	8,885	8,793	7,223	6,834
Earnings From Equity Investments	-	-	47.02	17.44	10.67	0.8
Currency Exchange Gain (Loss)	235.66	225.66	136.58	61.06	22.18	45.45
Pretax Income	9,592	9,265	9,068	8,871	7,255	6,880
Income Tax Expense	2,127	1,877	1,819	1,818	1,467	1,372
Earnings From Continuing Ops.	7,465	7,388	7,250	7,054	5,789	5,508
Minority Interest in Earnings	98.73	49.15	45.76	25.79	90.17	-175.45
Net Income	7,563	7,437	7,295	7,079	5,879	5,333
Net Income to Common	7,563	7,437	7,295	7,079	5,879	5,333
Net Income Growth	4.36%	1.94%	3.05%	20.42%	10.23%	-3.46%
Shares Outstanding (Basic)	2,578	2,582	2,578	2,574	2,578	2,578
Shares Outstanding (Diluted)	2,578	2,582	2,578	2,574	2,578	2,578
Shares Change (YoY)	-0.03%	0.17%	0.14%	-0.16%	0.00%	-
EPS (Basic)	2.93	2.88	2.83	2.75	2.28	2.07
EPS (Diluted)	2.93	2.88	2.83	2.75	2.28	2.07
EPS Growth	4.39%	1.77%	2.91%	20.61%	10.23%	-3.46%
Free Cash Flow	-	5,833	1,927	-4,395	8,239	5,258
Free Cash Flow Per Share	-	2.26	0.75	-1.71	3.19	2.04
Dividend Per Share	-	1.320	1.270	1.150	1.000	0.880
Dividend Growth	-	3.94%	10.44%	15.00%	13.64%	-
Operating Margin	49.15%	48.44%	50.24%	52.00%	49.65%	47.60%
Profit Margin	39.73%	39.85%	41.25%	41.87%	40.41%	37.15%
Free Cash Flow Margin	-	31.25%	10.90%	-25.99%	56.63%	36.63%
Effective Tax Rate	22.18%	20.26%	20.05%	20.49%	20.22%	19.94%
Revenue as Reported	27,555	27,456	25,418	23,231	21,442	22,452

Updated Feb 10, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.