TISCO Financial Group PCL (BKK:TISCO)

TISCO 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	18,669	19,014	17,781	14,904	14,792	16,757
Interest Income on Investments	102.19	99.85	89.88	72.98	69.61	58.9
Total Interest Income	18,772	19,113	17,871	14,977	14,861	16,816
Interest Paid on Deposits	5,226	5,444	4,208	2,171	2,332	3,659
Net Interest Income	13,546	13,670	13,663	12,807	12,529	13,157
Net Interest Income Growth (YoY)	-4.14%	0.05%	6.68%	2.21%	-4.77%	2.33%
Gain (Loss) on Sale of Investments	5.32	2.92	5.36	2.8	6.28	12.37
Gain (Loss) on Sale of Equity Investments	35.17	33.83	28.89	55.48	7.22	-1.72
Other Non-Interest Income	5,474	5,520	5,093	5,440	6,280	5,737
Total Non-Interest Income	5,514	5,557	5,127	5,498	6,294	5,747
Non-Interest Income Growth (YoY)	4.65%	8.38%	-6.75%	-12.64%	9.51%	-12.64%
Revenues Before Loan Losses	19,060	19,226	18,790	18,305	18,823	18,904
Provision for Loan Losses	1,640	1,376	359.48	722.68	2,064	3,331
Revenue	17,420	17,851	18,430	17,582	16,759	15,573
Revenue Growth (YoY)	-4.26%	-3.14%	4.83%	4.91%	7.62%	-15.02%
Salaries and Employee Benefits	6,089	6,210	6,384	6,104	5,727	5,288
Occupancy Expenses	1,577	1,623	1,598	1,365	1,339	1,273
Selling, General & Administrative	27.88	28.66	24.93	21.6	20	18.16
Other Non-Interest Expense	1,375	1,394	1,334	1,100	1,181	1,432
Total Non-Interest Expense	9,069	9,256	9,340	8,591	8,267	8,012
EBT Excluding Unusual Items	8,351	8,595	9,090	8,991	8,493	7,562
Pretax Income	8,351	8,595	9,090	8,991	8,493	7,562
Income Tax Expense	1,648	1,694	1,788	1,767	1,708	1,498
Earnings From Continuing Operations	6,703	6,902	7,302	7,225	6,785	6,064
Minority Interest in Earnings	-0.4	-0.42	-0.49	-0.46	-0.4	-0.38
Net Income	6,702	6,901	7,301	7,224	6,785	6,063
Net Income to Common	6,702	6,901	7,301	7,224	6,785	6,063
Net Income Growth	-6.14%	-5.48%	1.07%	6.48%	11.89%	-16.60%
Basic Shares Outstanding	800	801	801	801	801	801
Diluted Shares Outstanding	800	801	801	801	801	801
Shares Change (YoY)	-0.10%	-	-	-	-	-
EPS (Basic)	8.38	8.62	9.12	9.02	8.47	7.57
EPS (Diluted)	8.38	8.62	9.12	9.02	8.47	7.57
EPS Growth	-6.05%	-5.48%	1.07%	6.48%	11.89%	-16.60%
Dividend Per Share	5.750	7.750	7.750	7.750	7.150	6.300
Dividend Growth	-25.81%	-	-	8.39%	13.49%	-18.71%
Effective Tax Rate	19.74%	19.71%	19.67%	19.65%	20.11%	19.81%

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