TISCO Financial Group Public Company (TISCO) Q3 2026 earnings summary

Executive summary

• Q3 2026 consolidated profit was ฿1.805bn, compared with ฿1.730bn in Q3 2025; 9M profit reached ฿5.302bn versus ฿5.017bn.

• Q3 operating income was ฿5.151bn versus ฿5.273bn, while 9M operating income rose to ฿15.395bn from ฿14.746bn.

Financial highlights

• Q3 net interest income was ฿3.639bn versus ฿3.428bn; net fees and service income was ฿1.365bn versus ฿1.287bn.

• Q3 fair-value gains were ฿11.9m versus ฿364.3m; expected credit loss expense was ฿496.2m versus ฿830.5m.

• 9M net interest income was ฿10.606bn versus ฿10.085bn; net fees and service income was ฿4.179bn versus ฿3.653bn.

• 9M fair-value gains were ฿74.7m versus ฿538.7m; expected credit loss expense was ฿1.822bn versus ฿1.775bn.

• 9M profit before tax was ฿6.596bn versus ฿6.253bn; income tax expense was ฿1.294bn versus ฿1.236bn.

Key financial ratios and metrics

• Basic EPS was ฿2.25 in Q3 2026 versus ฿2.16 in Q3 2025; 9M EPS was ฿6.62 versus ฿6.27.

• Q3 total comprehensive income was ฿1.798bn versus ฿1.731bn; 9M total comprehensive income was ฿5.498bn versus ฿4.919bn.