Kiatnakin Phatra Bank PCL (KKP) Q4 2025 earnings summary

Executive summary

• Consolidated and separate financial statements for the year ended 31 December 2025 were audited and present fairly in accordance with TFRS.

• Audit opinion is unqualified, with allowance for expected credit losses of loans to customers identified as a key audit matter.

Financial highlights

• Total consolidated assets: Baht 488,095 million as of 31 December 2025, down from Baht 498,429 million in 2024.

• Net profit (consolidated): Baht 5,969 million for 2025, up from Baht 5,048 million in 2024.

• Net interest income (consolidated): Baht 17,257 million, down from Baht 19,848 million year-over-year.

• Earnings per share: Baht 7.17 (consolidated), Baht 6.68 (separate), both increased from prior year.

• Dividend paid for 2025: Baht 5.70 per share (including interim), with final payment scheduled for May 2026.

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 scenarios weighted at 60%, 25%, and 15% respectively.