TMBThanachart Bank (TTB) investor relations material

Executive summary

• Net profit for 1H26 reached THB 10,677 million, up 6% year-over-year, reflecting resilience amid economic uncertainty and disciplined execution of strategic priorities.

• Total comprehensive income for 1H26 was THB 10,612 million, slightly lower than the previous year due to volatility in other comprehensive income items.

• Earnings per share for the six-month period increased to THB 0.12 from THB 0.10 year-over-year.

• Share repurchase program completed THB 21 billion in buybacks, one year ahead of plan, supporting shareholder value.

Financial highlights

• Total operating income for 1H26 was THB 34,076 million, up from THB 32,934 million year-over-year; net interest income was THB 24,415 million, down from THB 25,961 million.

• Net fees and service income rose to THB 6,009 million from THB 4,600 million year-over-year.

• Non-NII up 16.2% YoY in 1H26, with 2Q26 Non-NII at THB 5.1 billion (+40% YoY), driven by retail fees and non-recurring investment gains.

• Cost-to-income ratio edged up to 46% due to one-off expenses but remained within target.

• Expected credit loss for the six months was THB 8,035 million, down from THB 8,874 million year-over-year.

Outlook and guidance

• Revenue growth expected to moderate as temporary tailwinds (EV demand, investment gains) normalize.

• Committed to sustaining ROE and delivering attractive dividend yields through disciplined capital management.

• Comprehensive income for the period was slightly lower than the previous year, reflecting volatility in other comprehensive income items.