LH Financial Group PCL (BKK:LHFG)

LH Financial Group 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	13,504	13,176	11,668	8,724	7,770	7,855
Interest Income on Investments	469.18	465.41	1,034	1,157	1,593	1,389
Total Interest Income	13,974	13,642	12,702	9,880	9,362	9,244
Interest Paid on Deposits	6,770	6,368	4,725	2,529	2,331	3,130
Net Interest Income	7,203	7,273	7,977	7,351	7,032	6,114
Net Interest Income Growth (YoY)	-3.58%	-8.82%	8.51%	4.55%	15.00%	3.13%
Gain (Loss) on Sale of Investments	388.92	-30.68	10.86	-	155.65	833.92
Other Non-Interest Income	1,161	959.03	807.48	771.95	888.02	799.07
Total Non-Interest Income	1,550	928.35	818.34	771.95	1,044	1,633
Non-Interest Income Growth (YoY)	84.48%	13.44%	6.01%	-26.04%	-36.09%	-17.32%
Revenues Before Loan Losses	8,753	8,202	8,795	8,123	8,075	7,747
Provision for Loan Losses	847.99	1,330	2,163	2,704	3,275	2,304
Revenue	7,905	6,872	6,632	5,420	4,800	5,444
Revenue Growth (YoY)	20.06%	3.62%	22.37%	12.91%	-11.82%	-20.08%
Salaries and Employee Benefits	2,597	2,380	2,239	2,059	1,796	1,615
Occupancy Expenses	977.6	880.85	782.1	696.84	674.45	726
Amortization of Goodwill & Intangibles	115.92	105.4	126.03	118.95	123.84	126.46
Selling, General & Administrative	235.47	186.5	237.16	215.93	172.24	123.5
Other Non-Interest Expense	742.58	773.65	728.39	498.85	456.29	406.48
Total Non-Interest Expense	4,669	4,326	4,112	3,590	3,223	2,997
EBT Excluding Unusual Items	3,236	2,545	2,520	1,830	1,577	2,446
Pretax Income	3,236	2,545	2,520	1,830	1,577	2,446
Income Tax Expense	614.33	498.44	423.28	251.11	192.93	389.5
Earnings From Continuing Operations	2,622	2,047	2,096	1,579	1,384	2,057
Minority Interest in Earnings	-	-0.03	-0.03	-0.05	-	-0.07
Net Income	2,622	2,047	2,096	1,579	1,384	2,057
Net Income to Common	2,622	2,047	2,096	1,579	1,384	2,057
Net Income Growth	43.89%	-2.35%	32.78%	14.09%	-32.73%	-36.02%
Basic Shares Outstanding	20,935	21,103	21,175	21,184	21,055	20,958
Diluted Shares Outstanding	20,935	21,103	21,175	21,184	21,055	20,958
Shares Change (YoY)	-1.20%	-0.34%	-0.04%	0.61%	0.46%	-1.07%
EPS (Basic)	0.13	0.10	0.10	0.07	0.07	0.10
EPS (Diluted)	0.13	0.10	0.10	0.07	0.07	0.10
EPS Growth	45.64%	-2.02%	32.84%	13.40%	-33.04%	-35.33%
Dividend Per Share	-	0.030	0.030	0.010	0.040	0.040
Dividend Growth	-	-	200.00%	-75.00%	-	-50.00%
Effective Tax Rate	18.98%	19.58%	16.80%	13.72%	12.24%	15.92%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.