Kiatnakin Phatra Bank PCL (KKP) Q3 2025 earnings summary

Executive summary

• Interim consolidated and separate financial statements reviewed with no material misstatements found, prepared in accordance with Thai Accounting Standard 34.

• Total assets stood at Baht 495.6 billion as of 30 September 2025, slightly down from Baht 498.4 billion at year-end 2024.

• Net profit for the nine-month period ended 30 September 2025 was Baht 4.16 billion, up from Baht 3.60 billion year-over-year.

Financial highlights

• Net interest income for nine months was Baht 12.99 billion, down from Baht 15.20 billion year-over-year.

• Total operating income for nine months was Baht 18.87 billion, compared to Baht 19.99 billion in the prior year.

• Earnings per share for nine months reached Baht 5.00, up from Baht 4.23 year-over-year.

• Total comprehensive income for nine months was Baht 5.05 billion, up from Baht 3.82 billion year-over-year.

• Net loans to customers and accrued interest receivables were Baht 334.1 billion as of 30 September 2025.

Outlook and guidance

• The Group continues to monitor capital adequacy and liquidity in line with Bank of Thailand requirements, maintaining strong capital ratios.

• No significant changes in accounting policies or estimates affecting future outlook.