LH Financial Group PCL (BKK:LHFG)

LH Financial Group PCL Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	13,596	13,176	11,668	8,724	7,770
Interest Income on Investments	524.45	465.41	1,034	1,157	1,593
Total Interest Income	14,120	13,642	12,702	9,880	9,362
Interest Paid on Deposits	6,686	6,368	4,725	2,529	2,331
Net Interest Income	7,434	7,273	7,977	7,351	7,032
Net Interest Income Growth (YoY)	2.21%	-8.82%	8.51%	4.55%	15.00%
Gain (Loss) on Sale of Investments	393.98	-30.68	10.86	-	155.65
Other Non-Interest Income	1,238	959.03	807.48	771.95	888.02
Total Non-Interest Income	1,632	928.35	818.34	771.95	1,044
Non-Interest Income Growth (YoY)	75.78%	13.44%	6.01%	-26.04%	-36.09%
Revenues Before Loan Losses	9,066	8,202	8,795	8,123	8,075
Provision for Loan Losses	666.59	1,330	2,163	2,704	3,275
Revenue	8,399	6,872	6,632	5,420	4,800
Revenue Growth (YoY)	22.23%	3.62%	22.37%	12.91%	-11.82%
Salaries and Employee Benefits	2,651	2,380	2,239	2,059	1,796
Occupancy Expenses	1,018	880.85	782.1	696.84	674.45
Amortization of Goodwill & Intangibles	123.39	105.4	126.03	118.95	123.84
Selling, General & Administrative	268.37	186.5	237.16	215.93	172.24
Other Non-Interest Expense	799.67	773.65	728.39	498.85	456.29
Total Non-Interest Expense	4,860	4,326	4,112	3,590	3,223
EBT Excluding Unusual Items	3,539	2,545	2,520	1,830	1,577
Pretax Income	3,539	2,545	2,520	1,830	1,577
Income Tax Expense	653.18	498.44	423.28	251.11	192.93
Earnings From Continuing Operations	2,886	2,047	2,096	1,579	1,384
Minority Interest in Earnings	-	-0.03	-0.03	-0.05	-
Net Income	2,886	2,047	2,096	1,579	1,384
Net Income to Common	2,886	2,047	2,096	1,579	1,384
Net Income Growth	40.98%	-2.35%	32.78%	14.09%	-32.73%
Basic Shares Outstanding	21,220	21,103	21,175	21,184	21,055
Diluted Shares Outstanding	21,220	21,103	21,175	21,184	21,055
Shares Change (YoY)	0.55%	-0.34%	-0.04%	0.61%	0.46%
EPS (Basic)	0.14	0.10	0.10	0.07	0.07
EPS (Diluted)	0.14	0.10	0.10	0.07	0.07
EPS Growth	40.21%	-2.02%	32.84%	13.40%	-33.04%
Dividend Per Share	-	0.030	0.030	0.010	0.040
Dividend Growth	-	-	200.00%	-75.00%	-
Effective Tax Rate	18.46%	19.58%	16.80%	13.72%	12.24%

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