TISCO Financial Group Public Company (TISCO) Q3 2025 earnings summary

Executive summary

• Consolidated net profit for the nine months ended 30 September 2025 was THB 5,017 million, down from THB 5,200 million year-over-year.

• Total comprehensive income for the period was THB 4,919 million, reflecting a decrease from the prior year.

• The financial statements received an unqualified review from the independent auditor.

Financial highlights

• Interest income for the nine-month period was THB 13,794 million, a decrease from THB 14,267 million year-over-year.

• Net interest income for the period was THB 10,085 million, slightly down from THB 10,168 million year-over-year.

• Net fee and service income was THB 3,653 million, nearly flat compared to THB 3,661 million last year.

• Expected credit loss increased to THB 1,775 million from THB 1,038 million year-over-year.

• Total assets as of 30 September 2025 stood at THB 282,225 million.

• Total equity attributable to shareholders was THB 41,758 million.

Outlook and guidance

• The group maintains a strong capital adequacy ratio, well above regulatory requirements.

• No significant impact from revised financial reporting standards effective 2025.