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Investor Relations14 Oct 2025
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TMBThanachart Bank Public Company Limited (TTB) investor relations material
TMBThanachart Bank Public Company Limited Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary18 Aug, 2025
Executive summary
Net profit for 1H25 was THB 10,100 mn, down 6% YoY, reflecting selective retail loan growth and cost efficiency.
Business sentiment in 2Q25 remained subdued amid rising uncertainties; focus maintained on balance sheet health and sustainable shareholder value.
Strategic priorities: selective loan growth, digital transformation, and capital management to address sluggish growth and revenue pressure.
Total comprehensive income for Q2 2025 reached THB 5,425 million, up from THB 4,807 million in Q2 2024.
Total assets as of June 30, 2025, stood at THB 1,709,797 million, a decrease from THB 1,748,523 million at year-end 2024.
Financial highlights
1H25 net profit: THB 10.1 bn (-6% YoY); NIM at 3.13% within guidance; C/I ratio at 43.7%.
Net interest income for Q2 2025 was THB 12,742 million, down from THB 14,185 million in Q2 2024; for six months, THB 25,961 million, down from THB 28,581 million YoY.
Loan growth: -2.8% YTD; deposit growth: -3.0% YTD; non-NII up 7.9% YoY (excluding BA amortization: -3%).
Expected credit loss for Q2 2025 was THB 4,294 million, down from THB 5,281 million in Q2 2024; for six months, THB 8,874 million, down from THB 10,397 million YoY.
Total operating income in 2Q25: THB 17.1 bn (-1% QoQ, +14% YoY); non-NII up 14% YoY.
Outlook and guidance
FY2025 targets: loan growth 0–2%, deposit growth in line with loans, NIM 3.10–3.25%, C/I ratio in low 40s, credit cost 125–135 bps (normal).
Committed to high dividend payout and share repurchase to protect shareholder value amid market volatility.
Conservative stance maintained with THB 1.3 bn management overlay in 2Q25 as buffer against economic risks.
How did total operating income change YoY?
What drove the change in expected credit loss?
Explain the change in investments, net.
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Next TMBThanachart Bank Public Company Limited earnings date
Q3 202521 Oct, 2025
Next TMBThanachart Bank Public Company Limited earnings date
Q3 202521 Oct, 2025
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