Thitikorn 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	576.38	827.59	1,222	1,468	1,389	2,007
Total Interest Expense	15.18	31.32	39.68	31.84	34.24	73.31
Net Interest Income	561.2	796.28	1,182	1,436	1,355	1,934
Other Revenue	145.83	152.63	257.95	226.29	251.22	231.9
Revenue Before Loan Losses	707.03	948.91	1,440	1,662	1,606	2,165
Provision for Loan Losses	115.89	403.39	590.16	336.87	252.42	639.72
Revenue	591.14	545.52	850.18	1,325	1,353	1,526
Revenue Growth (YoY)	3.77%	-35.84%	-35.86%	-2.07%	-11.29%	-29.02%
Cost of Services Provided	740.82	872.7	854.59	1,090	1,092	1,361
Other Operating Expenses	-209.84	-247.73	-142.25	-253.62	-362.28	-309.42
Total Operating Expenses	530.99	624.97	712.34	836.69	729.69	1,052
Operating Income	60.15	-79.45	137.83	488.77	623.75	473.78
EBT Excluding Unusual Items	110.15	-37.52	163.75	488.77	623.75	473.78
Pretax Income	135.93	-11.74	169.5	488.77	623.75	473.78
Income Tax Expense	20.67	-0.53	74.14	119.46	149.39	103.79
Earnings From Continuing Ops.	115.27	-11.21	95.35	369.3	474.36	369.99
Minority Interest in Earnings	-2.24	-4.68	-3.21	-2.23	-2.61	-2.41
Net Income	113.02	-15.89	92.15	367.08	471.76	367.58
Net Income to Common	113.02	-15.89	92.15	367.08	471.76	367.58
Net Income Growth	-	-	-74.90%	-22.19%	28.34%	-23.59%
Shares Outstanding (Basic)	500	500	500	500	500	500
Shares Outstanding (Diluted)	500	500	500	500	500	500
EPS (Basic)	0.23	-0.03	0.18	0.73	0.94	0.74
EPS (Diluted)	0.23	-0.03	0.18	0.73	0.94	0.74
EPS Growth	-	-	-74.90%	-22.19%	28.34%	-23.59%
Free Cash Flow	775.45	1,485	463.91	191.79	1,274	3,489
Free Cash Flow Per Share	1.55	2.97	0.93	0.38	2.55	6.98
Dividend Per Share	0.200	0.200	0.250	0.420	0.500	0.420
Dividend Growth	-20.00%	-20.00%	-40.48%	-16.00%	19.05%	-23.64%
Operating Margin	10.17%	-14.56%	16.21%	36.88%	46.09%	31.05%
Profit Margin	19.12%	-2.91%	10.84%	27.69%	34.86%	24.09%
Free Cash Flow Margin	131.18%	272.26%	54.57%	14.47%	94.14%	228.68%
Effective Tax Rate	15.20%	-	43.74%	24.44%	23.95%	21.91%
Revenue as Reported	957.83	1,254	1,628	1,948	2,002	2,548

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.