Link: https://links.sgx.com/1.0.0/corporate-announcements/020MFV0TMV6N65LB/baf6569feac609cf34269f8bbaa4855a165208b76191564e29c8bfa8e6867ff4

Summary:

• Consolidated net profit for nine months ended 30 September 2025 totaled THB 15.4 billion, down from THB 16.0 billion a year ago.

• Total operating income fell 5.8% to THB 49.2 billion on softer interest and fee income; net interest income dropped 10.0% to THB 38.4 billion.

• Loan book contracted, with net loans to customers at THB 1,146.6 billion (down from THB 1,190.3 billion at end-2024); deposits also declined.

• Asset quality remains stable: operating income supported by THB 1.89 billion net gains from financial instruments and THB 7.2 billion net fee/service income.

• Operating expenses held at THB 21.8 billion; credit loss provisions reduced 15% to THB 12.85 billion.

• Earnings per share held at THB 0.16 for the nine months.

• Capital ratios far exceed Bank of Thailand minimums: total capital adequacy ratio at 19.93%, Tier 1 at 17.88%.

• Acquisition of Thanachart Securities completed, boosting wealth management and diversification; new subsidiary contributed THB 174 million revenue and THB 28 million profit since July completion.

• Operating cash flow was strong at THB 79.6 billion, with total assets at THB 1,698.7 billion and equity at THB 241.4 billion end-September.

• Management remains focused on prudent capital, fee generation, and client relationships amid sector headwinds.