Kiatnakin Phatra Bank PCL (KKP) Q1 2026 earnings summary

Executive summary

• Net profit for the three months ended 31 March 2026 was THB 1,999 million, up from THB 1,064 million year-over-year, with basic EPS rising to THB 2.40 from THB 1.28.

• Total assets increased to THB 513,516 million as of 31 March 2026, compared to THB 488,095 million at year-end 2025.

• The auditor reviewed the interim financials and found no material misstatements.

Financial highlights

• Interest income for Q1 2026 was THB 5,938 million, down from THB 6,937 million year-over-year.

• Net interest income was THB 4,216 million, compared to THB 4,446 million in Q1 2025.

• Fees and services income, net, rose to THB 1,618 million from THB 1,307 million year-over-year.

• Total operating income increased to THB 6,699 million from THB 5,953 million year-over-year.

• Expected credit loss expense was THB 961 million, down from THB 1,104 million year-over-year.

Outlook and guidance

• The bank maintains capital adequacy ratios above regulatory minimums, with a CET1 ratio of 14.39% and total capital funds to risk-weighted assets at 16.96% as of 31 March 2026.

• The board approved a dividend of THB 5.70 per share for 2025, with THB 4.20 per share to be paid in May 2026.