LH Financial Group PCL Income Statement

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

Millions THB. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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 Income on Loans	13,466	13,596	13,176	11,668	8,724	7,770
Interest Income on Investments	609.93	524.45	465.41	1,034	1,157	1,593
Total Interest Income	14,076	14,120	13,642	12,702	9,880	9,362
Interest Paid on Deposits	6,205	6,686	6,368	4,725	2,529	2,331
Net Interest Income	7,870	7,434	7,273	7,977	7,351	7,032
Net Interest Income Growth	9.94%	2.21%	-8.82%	8.51%	4.55%	15.00%
Gain (Loss) on Sale of Investments	451.7	393.98	-30.68	10.86	-	155.65
Other Non-Interest Income	1,572	1,238	959.03	807.48	771.95	888.02
Total Non-Interest Income	2,023	1,632	928.35	818.34	771.95	1,044
Non-Interest Income Growth	81.05%	75.78%	13.44%	6.01%	-26.04%	-36.09%
Revenues Before Loan Losses	9,894	9,066	8,202	8,795	8,123	8,075
Provision for Loan Losses	697.49	666.59	1,330	2,163	2,704	3,275
Revenue	9,196	8,399	6,872	6,632	5,420	4,800
Revenue Growth	25.85%	22.23%	3.62%	22.37%	12.91%	-11.82%
Salaries and Employee Benefits	2,863	2,651	2,380	2,239	2,059	1,796
Occupancy Expenses	1,058	1,018	880.85	782.1	696.84	674.45
Amortization of Goodwill & Intangibles	143.37	123.39	105.4	126.03	118.95	123.84
Selling, General & Administrative	283.83	268.37	186.5	237.16	215.93	172.24
Other Non-Interest Expense	822.2	799.67	773.65	728.39	498.85	456.29
Total Non-Interest Expense	5,170	4,860	4,326	4,112	3,590	3,223
EBT Excluding Unusual Items	4,026	3,539	2,545	2,520	1,830	1,577
Pretax Income	4,026	3,539	2,545	2,520	1,830	1,577
Income Tax Expense	722.74	653.18	498.44	423.28	251.11	192.93
Earnings From Continuing Operations	3,304	2,886	2,047	2,096	1,579	1,384
Minority Interest in Earnings	-	-	-0.03	-0.03	-0.05	-
Net Income	3,304	2,886	2,047	2,096	1,579	1,384
Net Income to Common	3,304	2,886	2,047	2,096	1,579	1,384
Net Income Growth	45.08%	40.98%	-2.35%	32.78%	14.09%	-32.73%
Basic Shares Outstanding	21,185	21,220	21,103	21,175	21,184	21,055
Diluted Shares Outstanding	21,185	21,220	21,103	21,175	21,184	21,055
Shares Change	0.53%	0.55%	-0.34%	-0.04%	0.61%	0.46%
EPS (Basic)	0.16	0.14	0.10	0.10	0.07	0.07
EPS (Diluted)	0.16	0.14	0.10	0.10	0.07	0.07
EPS Growth	44.32%	40.21%	-2.02%	32.84%	13.40%	-33.04%
Dividend Per Share	0.050	0.060	0.030	0.030	0.010	0.040
Dividend Growth	25.00%	100.00%	0%	200.00%	-75.00%	0%
Effective Tax Rate	17.95%	18.46%	19.58%	16.80%	13.72%	12.24%