Ngernturbo PCL 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
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Interest and Dividend Income	2,671	2,595	2,025	1,310
Total Interest Expense	402.06	451.44	319.94	185.97
Net Interest Income	2,269	2,144	1,705	1,124
Commissions and Fees	62.52	85.28	110.15	268.08
Other Revenue	360.85	352.2	294.89	200.23
Revenue Before Loan Losses	2,692	2,581	2,110	1,592
Provision for Loan Losses	600.17	762.45	503.5	170.76
Revenue	2,092	1,819	1,607	1,421
Revenue Growth (YoY)	15.03%	13.19%	13.04%	-
Cost of Services Provided	1,476	1,659	1,452	990.22
Other Operating Expenses	-0.33	-0.53	-0.52	8.02
Total Operating Expenses	1,476	1,658	1,451	998.24
Operating Income	616.13	160.53	155.69	423.19
Pretax Income	616.13	160.53	155.69	423.19
Income Tax Expense	113.01	18.97	24.02	84.82
Net Income	503.12	141.56	131.66	338.37
Net Income to Common	503.12	141.56	131.66	338.37
Net Income Growth	255.40%	7.52%	-61.09%	-
Shares Outstanding (Basic)	2,344	2,222	2,222	2,007
Shares Outstanding (Diluted)	2,344	2,222	2,222	2,007
Shares Change (YoY)	5.46%	-	10.71%	-
EPS (Basic)	0.21	0.06	0.06	0.17
EPS (Diluted)	0.21	0.06	0.06	0.17
EPS Growth	236.99%	7.52%	-64.85%	-
Free Cash Flow	844.13	-376.57	-2,836	-2,027
Free Cash Flow Per Share	0.36	-0.17	-1.28	-1.01
Dividend Per Share	-	-	-	2.970
Operating Margin	29.45%	8.83%	9.69%	29.77%
Profit Margin	24.05%	7.78%	8.19%	23.80%
Free Cash Flow Margin	40.35%	-20.70%	-176.52%	-142.61%
Effective Tax Rate	18.34%	11.82%	15.43%	20.04%
Revenue as Reported	3,095	3,033	2,431	1,779

Source: S&P Capital IQ. Financial Services template. Financial Sources.