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TMBThanachart Bank
TMBThanachart Bank (TTB) investor relations material
TMBThanachart Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary10 Feb, 2026
Executive summary
Delivered resilient performance in 2025 despite global and domestic headwinds, including economic slowdown, high household debt, and natural disasters.
Net profit reached THB 20,639 million, down 2% YoY, supported by disciplined asset-liability management and cost control.
Total assets decreased to 1,701,965,779 thousand Baht as of December 2025 from 1,748,522,500 thousand Baht in December 2024.
Total liabilities declined to 1,457,771,871 thousand Baht from 1,510,710,133 thousand Baht year-over-year.
Total equity increased to 244,193,908 thousand Baht from 237,812,367 thousand Baht year-over-year.
Financial highlights
Loan growth was -2.9% YTD, while deposit growth was -4.4% YTD.
Net interest margin (NIM) softened to 3.04% (-22 bps YoY), reflecting rate cut impacts.
Net interest income for 2025 was 50,636,764 thousand Baht, down from 56,451,644 thousand Baht in 2024.
Non-interest income (Non-NII) grew 16.2% YoY, driven by fee-based businesses.
Net fees and service income rose to 10,208,819 thousand Baht from 9,373,370 thousand Baht year-over-year.
Outlook and guidance
2026 targets: loan growth approx. 0–2%, deposit growth in line, NIM 3.0–3.1%, single-digit Non-NII growth, C/I ratio in the mid-40s, Stage 3 loans ≤3.2%, and credit cost 130–135 bps.
Continued focus on quality growth, digital scaling, and proactive risk management.
Comprehensive income growth driven by gains on investments in equity instruments at fair value.
Remaining THB 15.9 billion of buyback programs for 2026–2027 to support shareholder returns.
Drivers of 2025 Net Interest Income decline
Explain the significant asset reallocation in 2025
Reasons for large swing in equity OCI gains
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Next TMBThanachart Bank earnings date
Q1 202620 Apr, 2026
TMBThanachart Bank
Next TMBThanachart Bank earnings date
Q1 202620 Apr, 2026
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