Kiatnakin Phatra Bank PCL (KKP) Q2 2025 earnings summary

Executive summary

• Interim consolidated and separate financial statements for the six months ended 30 June 2025 were audited and present fairly in accordance with TFRS.

• Net profit for the six-month period was Baht 2,471 million, up from Baht 2,275 million year-over-year.

• Total assets stood at Baht 501,261 million as of 30 June 2025.

Financial highlights

• Interest income for six months was Baht 13,630 million, down from Baht 15,604 million year-over-year.

• Net interest income was Baht 8,758 million, compared to Baht 10,261 million year-over-year.

• Earnings per share for the period were Baht 2.98, up from Baht 2.69 year-over-year.

• Total equity reached Baht 63,821 million.

Outlook and guidance

• Additional expected credit losses were provisioned as a management overlay due to economic uncertainties and potential asset quality deterioration.

• Forward-looking macroeconomic scenarios were incorporated into ECL models, with base, upside, and downside cases weighted at 60%, 25%, and 15% respectively.