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Kiatnakin Phatra Bank PCL
Kiatnakin Phatra Bank PCL (KKP) investor relations material
Kiatnakin Phatra Bank PCL Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary20 Oct, 2026
Executive summary
3Q26 consolidated net profit was ฿2,442,251 thousand versus ฿1,688,005 thousand; 9M26 net profit was ฿6,627,732 thousand versus ฿4,163,152 thousand.
Net profit attributable to equity holders was ฿2,388,135 thousand in 3Q26 and ฿6,465,716 thousand in 9M26, up 43% and 56% YoY, respectively.
Comprehensive income rose 28% YoY to Baht 2,655 million in 3Q26 and 38% to Baht 6,925 million in 9M26.
Total assets reached ฿516,847,149 thousand at 30 September 2026, versus ฿488,095,193 thousand at 31 December 2025.
Financial highlights
Total operating income was ฿7,710,099 thousand in 3Q26 and ฿21,301,731 thousand in 9M26, up 15% and 13% YoY, respectively.
Net interest income was ฿4,508,241 thousand in 3Q26, up 6% YoY; 9M26 was ฿13,058,682 thousand, up 1%.
Net fees and services income rose 47% YoY to ฿2,266,346 thousand in 3Q26 and 33% to ฿5,754,055 thousand in 9M26.
Basic EPS was ฿2.78 in 3Q26, up 38% YoY, and ฿7.72 in 9M26, up 54%; diluted EPS was ฿2.75 and ฿7.67, respectively.
3Q26 operating expenses rose 9% YoY to Baht 3,405 million; expected credit loss expense was ฿927,512 thousand, versus ฿908,627 thousand.
Outlook and guidance
2026 retail banking priorities: conservative credit stance, loan quality, cost efficiency and higher non-interest income contribution.
Loan origination remained selective, with retail banking portfolio size deliberately maintained.
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Latest events from Kiatnakin Phatra Bank PCL
- 1H26 net profit rose to Baht 4,185 million, NPL ratio improved, and interim dividend approved.KKP
Q2 2026 - Net profit rose to Baht 5,969 million, with higher dividends and strong capital buffers.KKPQ4 2025
- Q1 2026 net profit surged to THB 1,999 million, with robust capital and asset growth.KKPQ1 2026
- Net profit increased to Baht 2,471 million, with strong capital and prudent risk provisions.KKPQ2 2025
- Nine-month net profit rose to Baht 4.16 billion, with robust capital and active share repurchases.KKPQ3 2025
- Q1 2025 net profit fell to THB 1,061.6 million, but capital ratios and dividends remain robust.KKPQ1 2025
- Net profit fell to Baht 5,030.7 million as credit risks and NPLs increased, but capital ratios stayed robust.KKPQ4 2024
- Net profit fell, credit risks rose, but capital and liquidity positions remain robust.KKPQ2 2024
- Nine-month net profit fell to THB 3,595 million, while capital ratios and share buybacks increased.KKPQ3 2024
Next Kiatnakin Phatra Bank PCL earnings date
Q4 202619 Jan, 2027
Kiatnakin Phatra Bank PCL
Next Kiatnakin Phatra Bank PCL earnings date
Q4 202619 Jan, 2027
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Frequently asked questions
Kiatnakin Phatra Bank PCL is a Thailand-based commercial bank that operates through three main segments: Commercial Banking Business, Capital Market Business, and Debt Restructuring Segment. The Commercial Banking Business encompasses a broad range of banking services, including deposits, loans (such as auto loans, car quick cash, personal loans, and home loans), debit cards, digital banking, insurance, and foreign exchange. Its deposit products include savings accounts, fixed deposits, and current accounts. The Capital Market Business segment includes KKP Capital PCL., Kiatnakin Phatra Securities PCL., Kiatnakin Phatra Asset Management Co., Ltd., and KKP DIME Securities Co., Ltd., covering various capital market operations. Lastly, the Debt Restructuring Segment focuses on managing and restructuring debt. The company is headquartered in Bangkok, Thailand, and its shares are listed on the Stock Exchange of Thailand (SET).