TISCO Financial Group Public Company (TISCO) Q4 2025 earnings summary

Executive summary

• Consolidated financial statements for the year ended 31 December 2025 were audited and present fairly in accordance with Thai Financial Reporting Standards and Bank of Thailand regulations.

• The audit highlighted allowance for expected credit loss on loans and recognition of interest income as key audit matters due to their materiality and reliance on management judgement.

Financial highlights

• Total assets increased to Baht 290,702 million as of 31 December 2025, up from Baht 281,877 million in 2024.

• Net profit attributable to equity holders was Baht 6,658.9 million, down from Baht 6,901.3 million year-over-year.

• Total operating income was Baht 19,655 million, up from Baht 19,226 million year-over-year.

• Net interest income was Baht 13,502 million, nearly flat compared to Baht 13,570 million in 2024.

• Earnings per share were Baht 8.32, compared to Baht 8.62 in the prior year.

Outlook and guidance

• The auditor noted no material uncertainties regarding going concern.

• Management expects no significant impact from new or upcoming financial reporting standards.