2022
As of 28 Feb 2023
2023
As of 29 Feb 2024
2024
As of 28 Feb 2025
Financial Status (Million Baht)
Total assets 95,207 92,499 91,464
Accounts receivable 93,937 91,305 88,948
Allowance for doubtful accounts 10,125 8,288 7,140
Total liabilities 71,859 67,437 64,410
Borrowings and debentures 66,055 62,515 58,921
Total shareholders’ equity 23,348 25,062 27,054
Total shareholders’ equity attributable to owners of the parent 22,821 24,472 26,051
Financial Results (Million Baht)
Total revenues 22,332 21,965 22,102
Operating and administrative expenses 7,962 8,211 8,581
Directors and managements’ remuneration 155 183 191
Expected credit loss 7,263 7,240 7,233
Finance cost 1,904 2,162 2,245
Other expenses 98 8 4
Operating Income 4,950 4,161 3,848
Net income 3,815 3,259 2,860
Non-controlling interest 139 79 90
Financial Ratios
Book value per share (Baht) 91.30 97.90 104.2
Net income per share (Baht) 15.26 13.04 11.44
Return on assets 4.1% 3.5% 3.1%
Return on equity 17.9% 13.8% 11.3%
Dividend payment 36.0% 42.8% 48.1%

Remark
The Company complies with the Notification of the Capital Market Supervisory Board No. TorChor. 44/2556 Re: Rules, Conditions, and Procedures for Disclosure of Financial Position and Operating Results of Securities Issuers, dated October 22, 2023. In accordance with the Code of Ethics for Professional Accountants issued by the International Federation of Accountants (IFAC), the Company ensures the rotation of the key audit partner every seven fiscal years, whether consecutively or not. In cases where the auditor has served as the engagement partner, a five-year consecutive cooling-off period is required before resuming the engagement. This is to ensure the independence of the external auditor in carrying out their duties.

No. of Cards (Million Card)

Total Revenues (Million Baht)

Accounts receivable (Million Baht)

Operating income & Net income (Million Baht)

Earning per share (Baht)

Dividend (Baht per share)

Return on Assets (ROA)

Return on Equity (ROE)