FRA:KIFF 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	26,289	30,515	30,717	23,671	19,489
Interest Income on Investments	233.69	153.15	339.74	506.67	1,329
Total Interest Income	26,523	30,668	31,057	24,177	20,818
Interest Paid on Deposits	9,032	10,667	8,424	4,589	3,788
Net Interest Income	17,490	20,001	22,634	19,588	17,030
Net Interest Income Growth (YoY)	-12.55%	-11.63%	15.55%	15.02%	13.02%
Gain (Loss) on Sale of Assets	-	2.53	3.33	19.38	16.19
Gain (Loss) on Sale of Investments	1.98	22.77	-12.08	-3.71	-9.64
Other Non-Interest Income	7,981	6,686	5,654	7,974	7,332
Total Non-Interest Income	7,983	6,712	5,645	7,990	7,338
Non-Interest Income Growth (YoY)	18.94%	18.89%	-29.34%	8.88%	40.93%
Revenues Before Loan Losses	25,473	26,713	28,279	27,578	24,368
Provision for Loan Losses	3,693	3,974	6,082	5,036	5,201
Revenue	21,780	22,739	22,197	22,542	19,168
Revenue Growth (YoY)	-4.22%	2.44%	-1.53%	17.60%	18.46%
Salaries and Employee Benefits	7,646	7,155	7,081	6,954	6,428
Occupancy Expenses	1,478	1,410	1,315	1,108	998.67
Selling, General & Administrative	39.12	317.41	292.82	247.09	139.69
Other Non-Interest Expense	2,736	2,916	2,959	3,124	2,118
Total Non-Interest Expense	14,330	16,516	15,894	13,013	11,248
EBT Excluding Unusual Items	7,450	6,223	6,303	9,529	7,919
Other Unusual Items	-	89.02	483.92	-39.3	-122.39
Pretax Income	7,450	6,312	6,787	9,490	7,797
Income Tax Expense	1,481	1,264	1,331	1,873	1,442
Earnings From Continuing Operations	5,969	5,048	5,456	7,616	6,355
Minority Interest in Earnings	-56.43	-17.53	-12.55	-14.34	-37.26
Net Income	5,913	5,031	5,443	7,602	6,318
Net Income to Common	5,913	5,031	5,443	7,602	6,318
Net Income Growth	17.54%	-7.58%	-28.40%	20.32%	23.32%
Basic Shares Outstanding	825	843	847	847	847
Diluted Shares Outstanding	825	843	847	847	847
Shares Change (YoY)	-2.13%	-0.49%	-	-	-
EPS (Basic)	7.17	5.97	6.43	8.98	7.46
EPS (Diluted)	7.17	5.97	6.43	8.98	7.46
EPS Growth	20.09%	-7.13%	-28.40%	20.32%	23.32%
Dividend Per Share	-	4.000	3.000	3.250	2.950
Dividend Growth	-	33.33%	-7.69%	10.17%	31.11%
Effective Tax Rate	19.87%	20.02%	19.61%	19.74%	18.49%

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