FRA:47T Income Statement

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

Millions THB. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	18,311	19,014	17,781	14,904	14,792
Interest Income on Investments	113.97	99.85	89.88	72.98	69.61
Total Interest Income	18,425	19,113	17,871	14,977	14,861
Interest Paid on Deposits	4,808	5,444	4,208	2,171	2,332
Net Interest Income	13,616	13,670	13,663	12,807	12,529
Net Interest Income Growth (YoY)	-0.39%	0.05%	6.68%	2.21%	-4.77%
Gain (Loss) on Sale of Investments	8.5	2.92	5.36	2.8	6.28
Gain (Loss) on Sale of Equity Investments	37.03	33.83	28.89	55.48	7.22
Other Non-Interest Income	5,994	5,520	5,093	5,440	6,280
Total Non-Interest Income	6,039	5,557	5,127	5,498	6,294
Non-Interest Income Growth (YoY)	8.68%	8.38%	-6.75%	-12.64%	9.51%
Revenues Before Loan Losses	19,655	19,226	18,790	18,305	18,823
Provision for Loan Losses	2,340	1,376	359.48	722.68	2,064
Revenue	17,315	17,851	18,430	17,582	16,759
Revenue Growth (YoY)	-3.00%	-3.14%	4.83%	4.91%	7.62%
Salaries and Employee Benefits	6,092	6,210	6,384	6,104	5,727
Occupancy Expenses	1,546	1,623	1,598	1,365	1,339
Selling, General & Administrative	29.13	28.66	24.93	21.6	20
Other Non-Interest Expense	1,346	1,394	1,334	1,100	1,181
Total Non-Interest Expense	9,014	9,256	9,340	8,591	8,267
EBT Excluding Unusual Items	8,302	8,595	9,090	8,991	8,493
Pretax Income	8,302	8,595	9,090	8,991	8,493
Income Tax Expense	1,643	1,694	1,788	1,767	1,708
Earnings From Continuing Operations	6,659	6,902	7,302	7,225	6,785
Minority Interest in Earnings	-0.38	-0.42	-0.49	-0.46	-0.4
Net Income	6,659	6,901	7,301	7,224	6,785
Net Income to Common	6,659	6,901	7,301	7,224	6,785
Net Income Growth	-3.51%	-5.48%	1.07%	6.48%	11.89%
Basic Shares Outstanding	800	801	801	801	801
Diluted Shares Outstanding	800	801	801	801	801
Shares Change (YoY)	-0.04%	-	-	-	-
EPS (Basic)	8.32	8.62	9.12	9.02	8.47
EPS (Diluted)	8.32	8.62	9.12	9.02	8.47
EPS Growth	-3.48%	-5.48%	1.07%	6.48%	11.89%
Dividend Per Share	-	7.750	7.750	7.750	7.150
Dividend Growth	-	-	-	8.39%	13.49%
Effective Tax Rate	19.79%	19.71%	19.67%	19.65%	20.11%

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