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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	13,519	13,596	13,176	11,668	8,724	7,770
Interest Income on Investments	600.07	524.45	465.41	1,034	1,157	1,593
Total Interest Income	14,119	14,120	13,642	12,702	9,880	9,362
Interest Paid on Deposits	6,510	6,686	6,368	4,725	2,529	2,331
Net Interest Income	7,609	7,434	7,273	7,977	7,351	7,032
Net Interest Income Growth (YoY)	5.40%	2.21%	-8.82%	8.51%	4.55%	15.00%
Gain (Loss) on Sale of Investments	535.31	393.98	-30.68	10.86	-	155.65
Other Non-Interest Income	1,356	1,238	959.03	807.48	771.95	888.02
Total Non-Interest Income	1,891	1,632	928.35	818.34	771.95	1,044
Non-Interest Income Growth (YoY)	103.86%	75.78%	13.44%	6.01%	-26.04%	-36.09%
Revenues Before Loan Losses	9,500	9,066	8,202	8,795	8,123	8,075
Provision for Loan Losses	663.39	666.59	1,330	2,163	2,704	3,275
Revenue	8,836	8,399	6,872	6,632	5,420	4,800
Revenue Growth (YoY)	23.57%	22.23%	3.62%	22.37%	12.91%	-11.82%
Salaries and Employee Benefits	2,751	2,651	2,380	2,239	2,059	1,796
Occupancy Expenses	1,035	1,018	880.85	782.1	696.84	674.45
Amortization of Goodwill & Intangibles	132.47	123.39	105.4	126.03	118.95	123.84
Selling, General & Administrative	267.89	268.37	186.5	237.16	215.93	172.24
Other Non-Interest Expense	795.57	799.67	773.65	728.39	498.85	456.29
Total Non-Interest Expense	4,982	4,860	4,326	4,112	3,590	3,223
EBT Excluding Unusual Items	3,855	3,539	2,545	2,520	1,830	1,577
Pretax Income	3,855	3,539	2,545	2,520	1,830	1,577
Income Tax Expense	695.92	653.18	498.44	423.28	251.11	192.93
Earnings From Continuing Operations	3,159	2,886	2,047	2,096	1,579	1,384
Minority Interest in Earnings	-	-	-0.03	-0.03	-0.05	-
Net Income	3,159	2,886	2,047	2,096	1,579	1,384
Net Income to Common	3,159	2,886	2,047	2,096	1,579	1,384
Net Income Growth	42.44%	40.98%	-2.35%	32.78%	14.09%	-32.73%
Basic Shares Outstanding	21,210	21,220	21,103	21,175	21,184	21,055
Diluted Shares Outstanding	21,210	21,220	21,103	21,175	21,184	21,055
Shares Change (YoY)	0.40%	0.55%	-0.34%	-0.04%	0.61%	0.46%
EPS (Basic)	0.15	0.14	0.10	0.10	0.07	0.07
EPS (Diluted)	0.15	0.14	0.10	0.10	0.07	0.07
EPS Growth	41.87%	40.21%	-2.02%	32.84%	13.40%	-33.04%
Dividend Per Share	0.060	0.060	0.030	0.030	0.010	0.040
Dividend Growth	100.00%	100.00%	-	200.00%	-75.00%	-
Effective Tax Rate	18.05%	18.46%	19.58%	16.80%	13.72%	12.24%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.