TISCO Financial Group Public Company Limited (BKK: TISCO)

TISCO Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	19,151	18,037	14,904	14,792	16,757	17,881
Interest Income on Investments	97.78	89.88	72.98	69.61	58.9	64.62
Total Interest Income	19,249	18,127	14,977	14,861	16,816	17,946
Interest Paid on Deposits	5,118	4,208	2,171	2,332	3,659	5,089
Net Interest Income	14,131	13,919	12,807	12,529	13,157	12,857
Net Interest Income Growth (YoY)	6.87%	8.68%	2.21%	-4.77%	2.33%	1.42%
Gain (Loss) on Sale of Investments	2.71	5.36	2.8	6.28	12.37	6.82
Gain (Loss) on Sale of Equity Investments	24.82	28.89	55.48	7.22	-1.72	12.11
Other Non-Interest Income	5,242	5,093	5,440	6,280	5,737	6,560
Total Non-Interest Income	5,269	5,127	5,498	6,294	5,747	6,579
Non-Interest Income Growth (YoY)	-2.31%	-6.75%	-12.64%	9.51%	-12.64%	-10.57%
Revenues Before Loan Losses	19,400	19,046	18,305	18,823	18,904	19,436
Provision for Loan Losses	1,205	615.35	722.68	2,064	3,331	1,109
Revenue	18,195	18,430	17,582	16,759	15,573	18,327
Revenue Growth (YoY)	0.92%	4.82%	4.91%	7.62%	-15.02%	5.74%
Salaries and Employee Benefits	6,327	6,384	6,104	5,727	5,288	6,410
Occupancy Expenses	1,636	1,598	1,365	1,339	1,273	1,305
Selling, General & Administrative	26.85	24.93	21.6	20	18.16	18.13
Other Non-Interest Expense	1,310	1,334	1,100	1,181	1,432	1,537
Total Non-Interest Expense	9,300	9,340	8,591	8,267	8,012	9,271
EBT Excluding Unusual Items	8,896	9,090	8,991	8,493	7,562	9,056
Pretax Income	8,896	9,090	8,991	8,493	7,562	9,056
Income Tax Expense	1,755	1,788	1,767	1,708	1,498	1,783
Earnings From Continuing Operations	7,141	7,302	7,225	6,785	6,064	7,273
Minority Interest in Earnings	-0.47	-0.49	-0.46	-0.4	-0.38	-2.97
Net Income	7,141	7,301	7,224	6,785	6,063	7,270
Net Income to Common	7,141	7,301	7,224	6,785	6,063	7,270
Net Income Growth	-1.19%	1.07%	6.48%	11.89%	-16.60%	3.63%
Basic Shares Outstanding	801	801	801	801	801	801
Diluted Shares Outstanding	801	801	801	801	801	801
Shares Change (YoY)	-0.04%	-	-	-	-	-
EPS (Basic)	8.92	9.12	9.02	8.47	7.57	9.08
EPS (Diluted)	8.92	9.12	9.02	8.47	7.57	9.08
EPS Growth	-1.15%	1.07%	6.48%	11.89%	-16.60%	3.63%
Dividend Per Share	5.750	7.750	7.750	7.150	6.300	7.750
Dividend Growth	-41.03%	0%	8.39%	13.49%	-18.71%	10.71%
Effective Tax Rate	19.73%	19.67%	19.65%	20.11%	19.81%	19.68%

Source: S&P Capital IQ. Banks template. Financial Sources.