Ngernturbo 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
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Interest and Dividend Income	2,678	2,595	2,025	1,310
Total Interest Expense	430.68	451.44	319.94	185.97
Net Interest Income	2,247	2,144	1,705	1,124
Commissions and Fees	70.83	85.28	110.15	268.08
Other Revenue	324.19	352.2	294.89	200.23
Revenue Before Loan Losses	2,642	2,581	2,110	1,592
Provision for Loan Losses	645.32	762.45	503.5	170.76
Revenue	1,997	1,819	1,607	1,421
Revenue Growth (YoY)	24.27%	13.19%	13.04%	-
Cost of Services Provided	1,484	1,659	1,452	990.22
Other Operating Expenses	-0.53	-0.53	-0.52	8.02
Total Operating Expenses	1,484	1,658	1,451	998.24
Operating Income	513.2	160.53	155.69	423.19
Pretax Income	513.2	160.53	155.69	423.19
Income Tax Expense	97.88	18.97	24.02	84.82
Net Income	415.33	141.56	131.66	338.37
Net Income to Common	415.33	141.56	131.66	338.37
Net Income Growth	215.44%	7.52%	-61.09%	-
Shares Outstanding (Basic)	2,250	2,222	2,222	2,007
Shares Outstanding (Diluted)	2,250	2,222	2,222	2,007
Shares Change (YoY)	1.23%	-	10.71%	-
EPS (Basic)	0.18	0.06	0.06	0.17
EPS (Diluted)	0.18	0.06	0.06	0.17
EPS Growth	211.60%	7.52%	-64.85%	-
Free Cash Flow	1,163	-376.57	-2,836	-2,027
Free Cash Flow Per Share	0.52	-0.17	-1.28	-1.01
Dividend Per Share	-	-	-	2.970
Operating Margin	25.70%	8.83%	9.69%	29.77%
Profit Margin	20.80%	7.78%	8.19%	23.80%
Free Cash Flow Margin	58.24%	-20.70%	-176.52%	-142.61%
Effective Tax Rate	19.07%	11.82%	15.43%	20.04%
Revenue as Reported	3,073	3,033	2,431	1,779

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