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TMBThanachart Bank Public Company Limited (TTB) investor relations material
TMBThanachart Bank Public Company Limited Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Net profit for 3Q25 reached THB 5,299 mn (+6% QoQ, +1% YoY), with 9M25 at THB 15,399 mn (-4% YoY), reflecting resilience amid global and domestic headwinds.
Basic EPS for 3Q25 was 0.06 Baht, up from 0.05 Baht YoY; 9M25 EPS was 0.16 Baht, unchanged YoY.
Total comprehensive income for 3Q25 surged to 10,340 million Baht, driven by significant gains in other comprehensive income.
Effective asset-liability management, cost control, and lower expected credit loss (ECL) were key earnings drivers.
Maintained prudent risk buffers, stable NPLs at THB 39 bn (NPL ratio 2.81%), and a coverage ratio of 151%.
Financial highlights
3Q25 net profit: THB 5,299 mn (+6% QoQ, +1% YoY); 9M25: THB 15,399 mn (-4% YoY).
Net interest margin (NIM) for 3Q25 at 2.97%, down from 3.07% in 2Q25, reflecting rate cuts and softer loan demand.
Q3 2025 net interest income was 12,405 million Baht, down from 14,062 million Baht in Q3 2024.
Net fees and service income for Q3 2025 rose to 2,608 million Baht from 2,242 million Baht YoY.
Non-NII grew +12.9% YoY in 9M25, driven by digital and ecosystem initiatives.
Outlook and guidance
Focus remains on leveraging digital capabilities and ecosystem initiatives for quality growth.
Loan and deposit growth expected to remain modest, with continued emphasis on high-yield retail products.
Comprehensive income growth in Q3 2025 was largely due to gains on investments in equity instruments at fair value through other comprehensive income.
Prudent business direction and robust capital position to support future growth and shareholder returns.
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Next TMBThanachart Bank Public Company Limited earnings date
Q4 202520 Jan, 2026
Next TMBThanachart Bank Public Company Limited earnings date
Q4 202520 Jan, 2026
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