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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 Q3 2025 reached THB 5,299 million, up 6% QoQ and 1% YoY, with 9M25 at THB 15,399 million, reflecting resilience amid global and domestic headwinds.
Stable net income achieved despite a significant drop in net interest income (NII) due to rate cuts, with fee income growth and cost control offsetting the decline.
Digital transformation, prudent asset management, and capital optimization contributed to operational resilience and profitability.
Maintained prudent risk buffers, stable NPLs at THB 39 billion (NPL ratio 2.81%), and a coverage ratio of 151%.
Continued commitment to shareholder returns via a 3-year share repurchase program and high dividend payout (interim DPS at 60%).
Financial highlights
Q3 2025 net interest income was THB 12,405 million, down 2.6% QoQ and from THB 14,062 million YoY, mainly from narrowing NIM due to rate cuts.
Net fees and service income for Q3 2025 rose to THB 2,608 million from THB 2,242 million YoY, with robust growth in bancassurance, mutual funds, and credit cards.
Net profit increased significantly from the previous quarter, supported by lower risk costs and flat or reduced OpEx.
Cost-to-income ratio at 44.3% for 9M25, with CI ratio pressure due to income, not cost increases.
Total loans declined 0.7% QoQ and 3.5% YTD; retail loans now 63% of portfolio.
Outlook and guidance
Investment product sentiment expected to weaken in Q4 as mutual fund NAVs may decline with rising bond yields and less favorable equity markets.
Loan and deposit growth expected to remain modest, with continued emphasis on high-yield retail products.
Capital management and dividend optimization prioritized over aggressive asset growth.
Share buyback program to resume early next year after a six-month pause, with ongoing 3-year repurchase plan (THB 21 billion).
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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