FRA:NVPJ 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	72,097	82,783	79,134	65,627	64,239
Interest Paid on Deposits	21,460	26,331	21,926	14,010	13,240
Net Interest Income	50,637	56,452	57,207	51,617	51,000
Net Interest Income Growth (YoY)	-10.30%	-1.32%	10.83%	1.21%	-5.21%
Gain (Loss) on Sale of Investments	88.5	243.79	51.69	6.72	181.99
Gain (Loss) on Sale of Equity Investments	263.13	255.89	283.85	261.35	345.52
Other Non-Interest Income	14,689	12,448	13,432	13,967	14,009
Total Non-Interest Income	15,040	12,948	13,768	14,236	14,537
Non-Interest Income Growth (YoY)	16.16%	-5.96%	-3.29%	-2.07%	-6.46%
Revenues Before Loan Losses	65,677	69,399	70,975	65,852	65,537
Provision for Loan Losses	16,485	19,852	22,199	18,353	21,514
Revenue	49,192	49,547	48,776	47,499	44,023
Revenue Growth (YoY)	-0.72%	1.58%	2.69%	7.90%	-1.11%
Salaries and Employee Benefits	15,768	15,401	16,537	15,884	16,219
Occupancy Expenses	3,258	4,376	4,631	4,864	5,622
Selling, General & Administrative	110.2	291.52	258.11	181.79	334.5
Other Non-Interest Expense	10,397	9,503	9,668	9,022	9,043
Total Non-Interest Expense	29,533	29,571	31,094	29,952	31,219
EBT Excluding Unusual Items	19,658	19,976	17,681	17,547	12,804
Pretax Income	19,658	19,976	17,681	17,547	12,804
Income Tax Expense	-980.96	-1,055	-940.14	3,352	2,327
Earnings From Continuing Operations	20,639	21,031	18,622	14,195	10,477
Minority Interest in Earnings	-	-0.03	-0.03	-0.01	-2.63
Net Income	20,639	21,031	18,622	14,195	10,474
Net Income to Common	20,639	21,031	18,622	14,195	10,474
Net Income Growth	-1.86%	12.94%	31.18%	35.53%	3.58%
Basic Shares Outstanding	93,816	97,269	96,876	96,664	96,464
Diluted Shares Outstanding	93,816	97,524	97,291	97,094	96,742
Shares Change (YoY)	-3.80%	0.24%	0.20%	0.36%	0.21%
EPS (Basic)	0.22	0.22	0.19	0.15	0.11
EPS (Diluted)	0.22	0.22	0.19	0.15	0.11
EPS Growth	1.75%	13.80%	29.38%	35.60%	3.44%
Dividend Per Share	-	0.130	0.105	0.073	0.038
Dividend Growth	-	23.81%	43.84%	92.11%	-15.56%
Effective Tax Rate	-	-	-	19.10%	18.17%

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