S 11 Group PCL Income Statement

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

Millions THB. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	1,016	1,110	1,366	1,484	1,692	1,905
Total Interest Expense	137.24	170.34	161.48	90.63	119.17	158
Net Interest Income	878.57	940.01	1,205	1,393	1,573	1,747
Commissions and Fees	45.57	49.43	81.51	89.82	94.61	94.29
Other Revenue	127.67	93.15	48.1	44.32	36.51	27.62
Revenue Before Loan Losses	1,052	1,083	1,334	1,527	1,704	1,869
Provision for Loan Losses	275.53	540.95	809.2	692.64	741.19	682.61
Revenue	776.28	541.65	525.09	834.67	962.82	1,187
Revenue Growth (YoY)	104.48%	3.15%	-37.09%	-13.31%	-18.87%	-5.07%
Cost of Services Provided	247.47	279.33	308.5	304.82	327.18	347.56
Other Operating Expenses	49.24	116.97	155.01	90.06	135.96	225.41
Total Operating Expenses	296.71	396.3	463.51	394.88	463.14	572.97
Operating Income	479.57	145.35	61.58	439.78	499.68	613.76
Earnings From Equity Investments	-	-	-	-	-	0.11
Pretax Income	470.97	145.35	61.58	439.78	499.68	613.87
Income Tax Expense	93.99	28.73	12.01	88.12	99.67	122.57
Earnings From Continuing Ops.	376.98	116.62	49.56	351.66	400	491.3
Minority Interest in Earnings	0.06	-0.03	-0.11	0.07	-0.03	-0.04
Net Income	377.04	116.59	49.45	351.73	399.98	491.26
Net Income to Common	377.04	116.59	49.45	351.73	399.98	491.26
Net Income Growth	-	135.77%	-85.94%	-12.06%	-18.58%	-7.14%
Shares Outstanding (Basic)	613	613	613	613	615	613
Shares Outstanding (Diluted)	613	613	613	613	615	613
Shares Change (YoY)	-	-	-	-0.38%	0.38%	-
EPS (Basic)	0.62	0.19	0.08	0.57	0.65	0.80
EPS (Diluted)	0.62	0.19	0.08	0.57	0.65	0.80
EPS Growth	-	135.77%	-85.94%	-11.72%	-18.89%	-7.14%
Free Cash Flow	496.47	813.2	-984.51	5.01	1,220	663.72
Free Cash Flow Per Share	0.81	1.33	-1.61	0.01	1.98	1.08
Dividend Per Share	0.210	0.100	-	0.200	0.260	0.250
Dividend Growth	-	-	-	-23.08%	4.00%	-41.86%
Operating Margin	61.78%	26.83%	11.73%	52.69%	51.90%	51.72%
Profit Margin	48.57%	21.53%	9.42%	42.14%	41.54%	41.40%
Free Cash Flow Margin	63.95%	150.13%	-187.49%	0.60%	126.75%	55.93%
Effective Tax Rate	19.96%	19.77%	19.51%	20.04%	19.95%	19.97%
Revenue as Reported	1,189	1,253	1,496	1,618	1,823	2,027

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