Cimb Thai Bank Public Co. Ltd.SET: CIMBT

Financial Statements for 9 months ended 30 September 2025 (Reviewed)

Nov 13, 2025 at 10:47 AM UTC · Issued by CIMB Thai Bank Public Co. Ltd.

CIMB THAI BANK PUBLIC COMPANY LIMITED INTERIM CONSOLIDATED AND SEPARATE FINANCIAL INFORMATION (UNAUDITED) 30 SEPTEMBER 2025 AUDITOR'S REPORT ON THE REVIEW OF THE INTERIM FINANCIAL INFORMATION

To the Shareholders and the Board of Directors of CIMB Thai Bank Public Company Limited

I have reviewed the interim consolidated financial information of CIMB Thai Bank Public Company Limited and its subsidiaries, and the interim separate financial information of CIMB Thai Bank Public Company Limited. These comprise the consolidated and separate statements of financial position as at 30 September 2025, the related consolidated and separate statements of comprehensive income for the three-month and nine-month periods then ended, and the related consolidated and separate statements of changes in equity, and cash flows for the nine-month period then ended, and the condensed notes to the interim financial information. Management is responsible for the preparation and presentation of this interim consolidated and separate financial information in accordance with Thai Accounting Standard 34, "Interim Financial Reporting" and the Bank of Thailand notifications in relation to the preparation and presentation of financial reporting as described in the notes to the interim financial information no. 2. My responsibility is to express a conclusion on this interim consolidated and separate financial information based on my review.

Scope of review

I conducted my review in accordance with the Thai Standard on Review Engagements 2410, "Review of interim financial information performed by the independent auditor of the entity". A review of interim financial information consists of making inquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Thai Standards on Auditing and consequently does not enable me to obtain assurance that I would become aware of all significant matters that might be identified in an audit. Accordingly, I do not express an audit opinion.

Conclusion

Based on my review, nothing has come to my attention that causes me to believe that the accompanying interim consolidated and separate financial information is not prepared, in all material respects, in accordance with Thai Accounting Standard 34, "Interim Financial Reporting" and the Bank of Thailand notifications in relation to the preparation and presentation of financial reporting as described in the notes to the interim financial information no. 2.

PricewaterhouseCoopers ABAS Ltd.

Sakuna Yamsakul

Certified Public Accountant (Thailand) No. 4906 Bangkok

13 November 2025

Statement of Financial Position As at 30 September 2025 Consolidated Separate

		(Unaudited) 30 September	(Audited) 31 December	(Unaudited) 30 September	(Audited) 31 December
	Notes	2025 Thousand Baht	2024 Thousand Baht	2025 Thousand Baht	2024 Thousand Baht
Assets
Cash		607,607	950,862	607,337	950,532
Interbank and money market items, net Financial assets measured at fair value through profit or loss	6	3,565,197 86,689,473	7,149,862 62,283,037	3,318,997 86,689,473	6,912,251 62,283,037
Derivative assets	7	58,333,316	56,229,043	58,333,316	56,229,043
Investments, net	8	121,084,361	106,403,972	121,082,361	105,584,438
Investments in subsidiaries, net	9	-	-	2,895,421	2,895,421
Loans and accrued interest receivables, net	10, 11	239,967,831	248,850,388	237,943,975	245,812,068
Properties for sale, net		1,164,009	1,133,386	1,009,513	957,127
Premises and equipment, net		3,239,840	3,360,910	3,126,819	3,231,316
Right of use assets, net		194,714	188,663	172,438	170,698
Intangible assets, net		941,113	977,063	915,787	947,404
Deferred tax assets		1,211,470	1,113,948	-	-
Credit support assets on derivatives Accounts receivable from sell of financial assets measured at fair value through profit or loss and investments		24,792,918 14,052,973	12,668,356 4,881,956	24,792,918 14,052,973	12,668,356 4,881,956
Other assets, net		3,831,334	2,264,608	3,664,292	2,054,149
Total assets		559,676,156	508,456,054	558,605,620	505,577,796

Director Director

The notes to interim financial information are an integral part of this interim financial information.

Statement of Financial Position (Cont'd) As at 30 September 2025 Consolidated Separate

		(Unaudited) 30 September	(Audited) 31 December	(Unaudited) 30 September	(Audited) 31 December
	Notes	2025 Thousand Baht	2024 Thousand Baht	2025 Thousand Baht	2024 Thousand Baht
Liabilities and equity
Liabilities
Deposits		277,633,566	278,928,750	278,110,322	279,306,415
Interbank and money market items		95,390,454	67,945,138	95,390,454	67,945,138
Liability payable on demand Financial liabilities measured at fair value through profit or loss	12	577,319 16,069,803	235,448 10,819,768	577,319 16,069,803	235,448 10,819,768
Derivative liabilities	7	68,267,801	57,792,748	68,267,801	57,792,748
Debt issued and borrowings		16,519,181	18,351,093	16,519,181	18,351,093
Lease liabilities		199,373	193,046	176,886	174,794
Provisions		1,513,097	1,556,699	1,409,409	1,446,476
Deferred tax liabilities		914,151	92,399	794,657	21,753
Credit support liabilities on derivatives Accounts payable from purchase of financial assets measured at fair value through profit or loss and investments		12,188,052 13,517,255	12,134,373 4,588,748	12,188,052 13,517,255	12,134,373 4,588,748
Other liabilities		4,472,648	5,070,803	3,976,371	4,295,169
Total liabilities		507,262,700	457,709,013	506,997,510	457,111,923
Equity
Share capital Registered 34,822,261,748 ordinary shares of Baht 0.50 each	13	17,411,131	17,411,131	17,411,131	17,411,131

Issued and paid-up share capital 34,822,261,748 ordinary shares

of Baht 0.50 each	17,411,131	17,411,131	17,411,131	17,411,131
Premium on share capital	10,145,966	10,145,966	10,145,966	10,145,966
Other reserves	2,953,444	1,735,642	2,972,880	1,755,078
Accretion of equity interests in subsidiary	(42,754)	(42,754)	-	-
Retained earnings
Appropriated - statutory reserve	1,153,101	927,601	1,153,101	927,601
Unappropriated	20,792,568	20,569,455	19,925,032	18,226,097
Total equity	52,413,456	50,747,041	51,608,110	48,465,873
Total liabilities and equity	559,676,156	508,456,054	558,605,620	505,577,796

The notes to interim financial information are an integral part of this interim financial information.

Statement of Comprehensive Income (Unaudited) For the three-month period ended 30 September 2025 Consolidated Separate

	2025 Thousand Baht	2024 Thousand Baht	2025 Thousand Baht	2024 Thousand Baht
Interest income	4,081,298	4,731,325	3,465,846	4,123,920
Interest expenses	(2,020,139)	(2,222,175)	(2,020,031)	(2,222,092)
Net interest income	2,061,159	2,509,150	1,445,815	1,901,828
Fees and service income	449,270	525,403	400,687	420,124
Fees and service expenses	(123,595)	(164,205)	(63,907)	(98,694)
Net fees and service income	325,675	361,198	336,780	321,430
(Losses) gains on financial instruments measured
at fair value through profit or loss, net	(1,161,779)	514,640	(1,161,779)	514,640
Gains on investments, net	2,296,493	62,216	2,296,493	62,216
Gains on sale of non-performing loans	(613)	-	-	-
Other operating income	248,015	299,895	179,943	216,113
Total operating income	3,768,950	3,747,099	3,097,252	3,016,227
Other operating expenses
Employee expenses	1,016,991	1,039,595	900,305	913,427
Directors' remuneration	3,558	3,625	3,558	3,625
Premises and equipment expenses	233,278	246,612	203,716	212,549
Taxes and duties	94,177	119,057	93,793	118,764
Others	422,672	802,430	349,776	367,411
Total other operating expenses	1,770,676	2,211,319	1,551,148	1,615,776
Expected credit losses	977,705	791,350	484,929	368,067
Profit before income tax expenses	1,020,569	744,430	1,061,175	1,032,384
Income tax expenses	(202,826)	(148,762)	(211,201)	(206,279)
Net profit for the period	817,743	595,668	849,974	826,105

The notes to interim financial information are an integral part of this interim financial information.

Statement of Comprehensive Income (Unaudited) (Cont'd) For the three-month period ended 30 September 2025 Consolidated Separate 2024 2024 2024 2024 Thousand Baht Thousand Baht Thousand Baht Thousand Baht

Other comprehensive income Items that will be reclassified subsequently to profit or loss
Gains on investments in debt instruments measured at fair value through other comprehensive income	172,743	166,149	172,743	166,149
Losses on fair value of hedging instruments for cash flow hedges	(27,163)	(97,303)	(27,163)	(97,303)
Income tax relating to items that will be reclassified subsequently to profit or loss	(28,420)	(4,078)	(28,420)	(4,078)
Total items that will be reclassified	117,160	64,768	117,160	64,768
Items that will not be reclassified subsequently to profit or loss Gains on investment in equity instruments designated at fair value through other comprehensive income	741,834	1,338	741,834	1,338
Gains (losses) on financial liabilities designated at fair value relating to own credit risk	2,562	(23,295)	2,562	(23,295)
Income tax relating to items that will not be reclassified subsequently to profit or loss	(148,781)	(504)	(148,781)	(504)
Total items that will not be reclassified subsequently to profit or loss	595,615	(22,461)	595,615	(22,461)
Total other comprehensive income	712,775	42,307	712,775	42,307
Total comprehensive income for the period	1,530,518	637,975	1,562,749	868,412

The notes to interim financial information are an integral part of this interim financial information.

For the three-month period ended 30 September 2025 Consolidated Separate

	2025 Thousand Baht	2024 Thousand Baht	2025 Thousand Baht	2024 Thousand Baht
Net profit attributable to:
Shareholders of the Bank	817,743	595,668	849,974	826,105
Non-controlling interests	-	-	-	-
	817,743	595,668	849,974	826,105
Total comprehensive income (expenses) attributable to:
Shareholders of the Bank	1,530,518	637,975	1,562,749	868,412
Non-controlling interests	-	-	-	-
	1,530,518	637,975	1,562,749	868,412
Earnings per share for profit attributable to the shareholders of the Bank
Basic earnings per share (Baht per share) 0.02		0.02	0.02	0.02
Weighted average number of ordinary shares (shares) 34,822,261,748		34,822,261,748	34,822,261,748	34,822,261,748

The notes to interim financial information are an integral part of this interim financial information.

Statement of Comprehensive Income (Unaudited)

For the nine-month period ended 30 September 2025

Consolidated Separate

	Notes	2025 Thousand Baht	2024 Thousand Baht	2025 Thousand Baht	2024 Thousand Baht
Interest income	16	12,494,999	14,105,060	10,620,195	12,309,997
Interest expenses	17	(6,340,454)	(6,856,492)	(6,340,148)	(6,856,086)
Net interest income		6,154,545	7,248,568	4,280,047	5,453,911
Fees and service income		1,369,204	1,515,570	1,163,965	1,168,343
Fees and service expenses		(375,872)	(517,172)	(191,317)	(314,956)
Net fees and service income	18	993,332	998,398	972,648	853,387
(Losses) gains on financial instruments measured
at fair value through profit or loss, net	19	(646,760)	1,177,079	(646,760)	1,177,079
Gains on investments, net	20	3,213,127	360,523	3,213,057	360,523
Gains on sale of non-performing loans		11,667	90,218	1,547	-
Other operating income	21	823,517	910,715	1,873,475	637,438
Total operating income		10,549,428	10,785,501	9,694,014	8,482,338
Other operating expenses
Employee expenses		3,064,607	3,017,000	2,687,991	2,637,818
Directors' remuneration		11,116	10,981	11,116	10,981
Premises and equipment expenses		711,521	718,814	624,553	615,391
Taxes and duties		306,301	361,462	303,728	358,886
Others		1,207,468	2,466,293	986,068	954,298
Total other operating expenses		5,301,013	6,574,550	4,613,456	4,577,374
Expected credit losses	22	2,958,934	1,855,551	1,271,270	492,310
Profit before income tax expenses		2,289,481	2,355,400	3,809,288	3,412,654
Income tax expenses	23	(459,101)	(465,162)	(503,086)	(677,266)
Net profit for the period		1,830,380	1,890,238	3,306,202	2,735,388

The notes to interim financial information are an integral part of this interim financial information.

For the nine-month period ended 30 September 2025

Consolidated Separate

2025 2024 2025 2024

Thousand Baht Thousand Baht Thousand Baht Thousand Baht

Other comprehensive income Items that will be reclassified subsequently to profit or loss
Gains on investments in debt instruments measured at fair value through other comprehensive income	827,176	168,639	827,176	168,639
Losses on fair value of hedging instruments for cash flow hedges	(47,543)	(19,358)	(47,543)	(19,358)
Income tax relating to items that will be reclassified subsequently to profit or loss	(122,385)	(20,544)	(122,385)	(20,544)
Total items that will be reclassified	657,248	128,737	657,248	128,737
Items that will not be reclassified subsequently to profit or loss Gains (losses) on investment in equity instruments designated at fair value through other comprehensive income	732,719	(1,554)	732,719	(1,554)
(Losses) gains on financial liabilities designated at fair value relating to own credit risk	(1,778)	402,406	(1,778)	402,406
Income tax relating to items that will not be reclassified subsequently to profit or loss	(147,432)	(85,469)	(147,432)	(85,469)
Total items that will not be reclassified subsequently to profit or loss	583,509	315,383	583,509	315,383
Total other comprehensive income	1,240,757	444,120	1,240,757	444,120
Total comprehensive income for the period	3,071,137	2,334,358	4,546,959	3,179,508

The notes to interim financial information are an integral part of this interim financial information.

Statement of Comprehensive Income (Unaudited) (Cont'd)

For the nine-month period ended 30 September 2025

Consolidated Separate

	2025 Thousand Baht	2024 Thousand Baht	2025 Thousand Baht	2024 Thousand Baht
Net profit attributable to: Shareholders of the Bank	1,830,380	1,890,238	3,306,202	2,735,388
Non-controlling interests	-	-	-	-
	1,830,380	1,890,238	3,306,202	2,735,388
Total comprehensive income attributable to: Shareholders of the Bank	3,071,137	2,334,358	4,546,959	3,179,508
Non-controlling interests	-	-	-	-
	3,071,137	2,334,358	4,546,959	3,179,508
Earnings per share for profit attributable to the shareholders of the Bank Basic earnings per share (Baht per share)	0.05	0.05	0.09	0.08
Weighted average number of ordinary shares (shares)	34,822,261,748	34,822,261,748	34,822,261,748	34,822,261,748

The notes to interim financial information are an integral part of this interim financial information.

CIMB Thai Bank Public Company Limited Statement of changes in equity (Unaudited)

For the nine-month period ended 30 September 2025

Consolidated Attributable to owners of the Bank

								Other reserves
					(Losses) gains on		Losses (gains)
					investments in	Gains	on investment in				Income tax
					debt instruments	(losses) on	equity instruments	(Losses) gains on			relating to
					measured	fair value of	designated	financial liabilities		Other	components
					at fair value	hedging	at fair value	designated		reserve	of other
		Issued and		Revaluation	through other	instruments	through other	at fair value	Remeasurements of	from	comprehensive		Accretion of
		paid-up	Share	surplus on	comprehensive	for cash flow	comprehensive	relating to	post-employment	share-based	(expense)	Total	equity interests	Legal	Retained
		share capital	premium	assets	income	hedges	income	own credit risk	benefit obligations	payment	income	other reserves	in subsidiary	reserve	earnings	Total Equity
	Note	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht
Balance as at 1 January 2025		17,411,131	10,145,966	2,308,593	(76,709)	30,944	(219,807)	(123,399)	142,190	108,319	(434,489)	1,735,642	(42,754)	927,601	20,569,455	50,747,041
Dividend paid	14	-	-	-	-	-	-	-	-	-	-	-	-	-	(1,392,890)	(1,392,890)
Share-based payments		-	-	-	-	-	-	-	-	(11,832)	-	(11,832)	-	-	-	(11,832)
Total comprehensive income
(expense) for the period		-	-	-	827,176	(47,543)	732,719	(1,778)	-	-	(269,817)	1,240,757	-	-	1,830,380	3,071,137
Appropriated - statutory reserve		-	-	-	-	-	-	-	-	-	-	-	-	225,500	(225,500)	-
Transfer to retained earnings		-	-	(14,112)	-	-	-	166	-	-	2,823	(11,123)	-	-	11,123	-
Balance as at 30 September 2025		17,411,131	10,145,966	2,294,481	750,467	(16,599)	512,912	(125,011)	142,190	96,487	(701,483)	2,953,444	(42,754)	1,153,101	20,792,568	52,413,456

Balance as at 1 January 2024	17,411,131	10,145,966	2,325,852	(615,820)	115,834	(209,135)	(559,523)	5,598	-	(255,478)	807,328	(42,754)	791,601	17,865,276	46,978,548
Share-based payments	-	-	-	-	-	-	-	-	101,694	-	101,694	-	-	-	101,694
Total comprehensive (expense)
income for the period	-	-	-	168,639	(19,358)	(1,554)	402,406	-	-	(106,013)	444,120	-	-	1,890,238	2,334,358
Appropriated - statutory reserve	-	-	-	-	-	-	-	-	-	-	-	-	136,000	(136,000)	-
Transfer to retained earnings	-	-	(12,945)	-	-	-	25,748	-	-	2,589	15,392	-	-	(15,392)	-
Balance as at 30 September 2024	17,411,131	10,145,966	2,312,907	(447,181)	96,476	(210,689)	(131,369)	5,598	101,694	(358,902)	1,368,534	(42,754)	927,601	19,604,122	49,414,600

The notes to interim financial information are an integral part of this interim financial information.

CIMB Thai Bank Public Company Limited Statement of changes in equity (Unaudited) (Cont'd)

For the nine-month period ended 30 September 2025

Separate

							Other reserves
				(Losses) gains on investments in	Gains	(Losses) gains on investment in	(Losses) gains			Income tax
				debt instruments measured	(losses) on fair value of	equity instruments designated	on financial liabilities		Other	relating to components
				at fair value	hedging	at fair value	designated		reserve	of other
		Issued and	Revaluation	through other	instruments	through other	at fair value	Remeasurements of	from	comprehensive
		paid-up Share	surplus on	comprehensive	for cash flow	comprehensive	relating to	post-employment	share-based	(expense)	Total	Legal	Retained
		share capital premium	assets	income	hedges	income	own credit risk	benefit obligations	payment	income	other reserves	reserve	earnings	Total Equity
	Note	Thousand Baht Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht	Thousand Baht
Balance as at 1 January 2025		17,411,131 10,145,966	2,308,593	(76,709)	30,944	(219,807)	(123,399)	166,484	108,319	(439,347)	1,755,078	927,601	18,226,097	48,465,873
Dividend paid	14	- -	-	-	-	-	-	-	-	-	-	-	(1,392,890)	(1,392,890)
Share-based payments Total comprehensive income		- -	-	-	-	-	-	-	(11,832)	-	(11,832)	-	-	(11,832)
(expense) for the period		- -	-	827,176	(47,543)	732,719	(1,778)	-	-	(269,817)	1,240,757	-	3,306,202	4,546,959
Appropriated - statutory reserve		- -	-	-	-	-	-	-	-	-	-	225,500	(225,500)	-
Transfer to retained earnings		- -	(14,112)	-	-	-	166	-	-	2,823	(11,123)	-	11,123	-
Balance as at 30 September 2025		17,411,131 10,145,966	2,294,481	750,467	(16,599)	512,912	(125,011)	166,484	96,487	(706,341)	2,972,880	1,153,101	19,925,032	51,608,110
Balance as at 1 January 2024		17,411,131 10,145,966	2,325,852	(615,820)	115,834	(209,135)	(559,523)	33,558	-	(261,070)	829,696	791,601	14,417,220	43,595,614
Share-based payments Total comprehensive (expense)		- -	-	-	-	-	-	-	101,694	-	101,694	-	-	101,694
income for the period		- -	-	168,639	(19,358)	(1,554)	402,406	-	-	(106,013)	444,120	-	2,735,388	3,179,508
Appropriated - statutory reserve		- -	-	-	-	-	-	-	-	-	-	136,000	(136,000)	-
Transfer to retained earnings		- -	(12,945)	-	-	-	25,748	-	-	2,589	15,392	-	(15,392)	-
Balance as at 30 September 2024		17,411,131 10,145,966	2,312,907	(447,181)	96,476	(210,689)	(131,369)	33,558	101,694	(364,494)	1,390,902	927,601	17,001,216	46,876,816

The notes to interim financial information are an integral part of this interim financial information.

CIMB Thai Bank Public Company Limited Statement of Cash flows (Unaudited)

For the nine-month period ended 30 September 2025

Consolidated Separate

	Notes	2025 Thousand Baht	2024 Thousand Baht	2025 Thousand Baht	2024 Thousand Baht
Cash flows from operating activities Profit before income tax expenses		2,289,481	2,355,400	3,809,288	3,412,654
Adjustments to reconcile net incomes before income tax
to cash in (out) flows from operating activities:
Depreciation and amortisation		522,747	523,588	486,364	479,075
Expected credit losses	22	2,958,934	1,772,302	1,271,270	492,310
Share-based payment		145	13,636	145	13,636
Provision for liabilities		101,882	26,582	92,424	25,609
Losses on impairment of properties for sale
and other assets		60,248	1,397,263	13,510	48,426
Losses on exchange rate of debt issued and
borrowing and derivatives		8,176,182	4,099,129	8,176,182	4,099,129
Unrealised gains on revaluation of financial assets
measured at fair value through profit or loss		(4,777,787)	(1,973,141)	(4,777,787)	(1,973,141)
Gains on sale of investments	20	(3,213,127)	(360,523)	(3,213,057)	(360,523)
Gains on disposal of premises and equipment		(4,459)	(5,612)	(4,459)	(5,612)
Losses from write off premises, equipment and
intangible assets		2,152	534	232	531
Gains on modification and termination of leases		(16)	(2,243)	-	-
Losses (gains) on financial liabilities designated
at fair value through profit or loss		296,634	(297,203)	296,634	(297,203)
Interest income	16	(12,494,999)	(14,105,060)	(10,620,195)	(12,309,997)
Dividend income	21	(11,967)	(19,414)	(1,302,099)	(19,414)
Interest expenses	17	6,340,454	6,856,492	6,340,148	6,856,086
Gains from operations before changes in operating assets and liabilities		246,504	281,730	568,600	461,566
(Increase) decrease in operating assets
Interbank and money market items	3,584,608		(5,022,925)	3,593,197	(5,208,211)
Financial assets measured at fair value through
profit or loss	(20,686,283)		(2,515,337)	(20,686,283)	(2,515,337)
Loans	4,271,711		(13,648,634)	7,842,954	(9,828,324)
Properties for sale	2,828,361		2,694,198	13,889	8,320
Credit support assets on derivatives	(12,124,562)		(17,567,444)	(12,124,562)	(17,567,444)
Other assets	(1,342,539)		(1,529,908)	(1,282,388)	(1,412,477)
Increase (decrease) in operating liabilities
Deposits		(1,295,184)	(16,676,499)	(1,196,093)	(16,619,142)
Interbank and money market items		27,445,317	36,580,232	27,445,317	36,580,232
Liability payable on demand		341,871	(11,234)	341,871	(11,234)
Provisions		(135,730)	(94,057)	(119,441)	(86,302)
Credit support liabilities on derivatives		53,680	16,421,138	53,680	16,421,138
Other liabilities		(607,064)	1,884,369	(323,341)	1,714,914
Cash flows provided by operating activities		2,580,690	795,629	4,127,400	1,937,699
Cash received from interest income		10,058,011	12,122,696	8,129,280	10,263,156
Cash paid for interest expenses		(6,138,310)	(6,029,573)	(6,138,310)	(6,029,573)
Cash paid for income tax		(60,384)	(170,454)	(59,858)	(169,412)
Net cash flows provided by operating activities		6,440,007	6,718,298	6,058,512	6,001,870

The notes to interim financial information are an integral part of this interim financial information.

CIMB Thai Bank Public Company Limited Statement of Cash flows (Unaudited) (Cont'd)

For the nine-month period ended 30 September 2025

Consolidated Separate

2025 2024 2025 2024

Thousand Baht Thousand Baht Thousand Baht Thousand Baht

Cash flows from investing activities Cash paid for purchases of investments in debt instruments measured at fair value through other comprehensive income	(59,139,154)	(65,815,023)	(59,139,154)	(65,815,023)
Proceeds from disposals and maturity of investments in debt instruments measured at fair value through other comprehensive income	48,769,442	67,618,987	48,769,442	67,618,987
Cash paid for purchases of investments in debt instruments measured at amortised cost	(2,627,088)	(2,819,294)	(2,627,088)	(2,125,803)
Proceeds from maturity of investments in debt instruments measured at amortised cost	3,269,655	4,405,660	2,452,050	4,405,660
Cash paid for investments in equity instruments designated at fair value through other comprehensive income	(2,039)	-	(2,039)	-
Cash paid for purchases of premises and equipment	(68,440)	(96,602)	(67,898)	(92,125)
Proceeds from disposals of premises and equipment	4,469	6,552	4,469	5,654
Cash paid for purchases of intangible assets	(247,817)	(282,888)	(244,178)	(276,967)
Dividend received	11,967	19,414	1,302,099	19,414
Interest received	1,658,564	1,584,361	1,549,070	1,581,566
Net cash flows (used in) provided by investing activities	(8,370,441)	4,621,167	(8,003,227)	5,321,363
Cash flows from financing activities Proceeds from issuance of financial liabilities measured at fair value through profit or loss and borrowings	15,073,997	6,418,263	15,073,997	6,418,263
Cash paid for redemption of financial liabilities measured
at fair value through profit or loss and borrowings	(12,006,464)	(17,654,874)	(12,006,464)	(17,654,874)
Cash paid for dividend	(1,392,890)	-	(1,392,890)	-
Cash paid for lease liabilities	(87,464)	(86,146)	(73,123)	(69,880)
Net cash flows provided by (used in) financing activities	1,587,179	(11,322,757)	1,601,520	(11,306,491)
Net (decrease) increase in cash and cash equivalents	(343,255)	16,708	(343,195)	16,742
Cash and cash equivalents at beginning of the period	950,862	905,365	950,532	905,000
Cash and cash equivalents at the end of the period	607,607	922,073	607,337	921,742

Supplemental disclosure of cash flows information

Non-cash transaction:

Interest amortisation from premium or discount	483,955	50,902	483,955	50,902
Accounts receivable from sell of investments	66,679	6,214	66,679	6,214
Accounts payable from purchase of investments	1,303,192	44,868	1,303,192	44,868

The notes to interim financial information are an integral part of this interim financial information.

Note Content Page

General information 15
Basis of preparation 15
Estimates 15
Financial information by segments 16
Fair value 18
Financial assets measured at fair value through profit or loss 20
Derivatives 20
Investments, net 22
Investments in subsidiaries, net 23
Loans to customers and accrued interest receivable, net 24
Allowance for expected credit losses 26
Financial liabilities measured at fair value through profit or loss 27
Share capital 28
Dividend payments 28
Capital funds 29
Interest income 30
Interest expenses 30
Net fees and service income 31
Gains on financial instruments measured at fair value through profit or loss, net 31
Gains on investments, net 32
Other operating income 32
Expected credit losses 32
Corporate income tax 33
Encumbrance of assets 33
Commitments and contingent liabilities 33
Related party transactions 35

CIMB Thai Bank Public Company Limited Condensed Notes to Interim Financial Information (Unaudited) For the nine-month period ended 30 September 2025

General information
CIMB Thai Bank Public Company Limited ("the Bank") is a public limited company which is listed on the Stock Exchange of Thailand and is incorporated and domiciled in Thailand. The Bank has operated as a commercial bank in Thailand since 8 March 1949. The address of the Bank's registered office is 44 Langsuan Road, Lumpini, Patumwan, Bangkok.
The Bank is listed on the Stock Exchange of Thailand. For reporting purposes, the Bank and its subsidiaries are referred to as the Group. Its parent company is CIMB Bank Berhad. CIMB Group Holdings Berhad is the parent company of the CIMB Group. Those companies are incorporated in Malaysia.
All subsidiaries were incorporated as limited companies under Thai laws, and all operate in Thailand, engaging mainly in the hire-purchase and leasing business.
The interim consolidated and separate financial information was authorised for issue by the Board of Directors on 13 November 2025. This interim consolidated and separate financial information has been reviewed, not audited.
Basis of preparation
The interim financial information has been prepared in accordance with Thai Accounting Standard 34 Interim Financial Reporting. The primary financial information ( statement of financial position, statement of comprehensive income, statement of changes in equity and statement of cash flows) is presented in a format consistent with the annual financial statements complying with Thai Accounting Standard 1 Presentation of Financial Statements. In addition, the interim financial information presentation are based on the Notification of the Bank of Thailand ("BOT") no. SorNorSor 21/2561 The Preparation and Format of the Financial Statements of Commercial Bank and Holding Parent Company of Financial Group dated on 31 October 2018. The notes to the interim financial information are prepared in a condensed format. Additional notes are presented as required by BOT's regulation and the Securities and Exchange Commission under the Securities and Exchange Act.
The interim financial information should be read in conjunction with the annual financial statements for the year ended 31 December 2024.
An English version of the interim consolidated and separate financial information has been prepared from the interim financial information that is in the Thai language. In the event of a conflict or a difference in interpretation between the two languages, the Thai language interim financial information shall prevail.
The accounting policies used in the preparation of the interim financial information are consistent with those used in the annual financial statements for the year ended 31 December 2024.
Es timates
In preparing this interim financial information, the significant judgements made by management in applying the Group's accounting policies and the key sources of estimation uncertainty were the same as those that applied to the consolidated and separate financial statements for the year ended 31 December 2024.

Financial information by segments

Financial information related to the Group' s performance is reviewed regularly by the Group' s management. The segmentation is summarised as follows:

Retail banking and SMEs

Retail banking and SMEs provides financial services to individuals and commercial customers. The products include consumer sales & distribution, retail financial services, commercial banking and personal financing.

Wholesale banking

Wholesale banking comprises of investment banking, corporate banking, and treasury and market.

Investmentbanking service provides financial advisory, trade securities transactions, and assetmanagementbusinesses.
Corporate banking and treasury and market are responsible for corporate lending and deposit taking, transaction banking, treasury and market activities.

Others

Other services comprise of all middle and back-office processes, cost centers and nonprofit generating divisions of companies whose results are not material to the Group.

For financial information related to the Group's financial position which is reviewed regularly by the Group's management. The segmentation is summarised as follows:

Bank business

The Bank business is the banking operations of CIMB Thai Bank Public Company Limited. Hire-purchase business

The hire-purchase business consists of two subsidiaries, CIMB Thai Auto Company Limited and Worldlease Company Limited, which operate hire-purchase of automobile and motorcycle.

Financial information presented in the interim consolidated financial information as at 30 September 2025 and 31 December 2024 and for the nine-month period ended 30 September 2025 and 2024 are as follows:

Cons olidated For the nine-month period ended 30 September 2025

	Retail
	banking and SMEs	Wholesale banking	Others	Eliminations	Total
	Million	Million	Million	Million	Million
	Baht	Baht	Baht	Baht	Baht
Net interest income from external	4,547	608	1,000	-	6,155
Net fees and service income	438	578	(23)	-	993
Other income	1,149	2,410	1,283	(1,441)	3,401
Other operating expenses	(3,857)	(1,521)	(73)	150	(5,301)
Expected credit losses	(2,712)	(246)	(245)	244	(2,959)
Income tax expenses	87	(367)	(179)	-	(459)
Net (losses) profit for the period	(348)	1,462	1,763	(1,047)	1,830

Cons olidated For the nine-month period ended 30 September 2024

	Retail
	banking	Wholesale
	and SMEs Million	banking Million	Others Million	Eliminations Million	Total Million
	Baht	Baht	Baht	Baht	Baht
Net interest income from external	4,985	883	1,381	-	7,249
Net fees and service income	585	464	(51)	-	998
Other income	1,259	1,626	(199)	(147)	2,539
Other operating expenses	(5,223)	(1,471)	(28)	147	(6,575)
Expected credit losses	(1,996)	(34)	138	36	(1,856)
Income tax expenses	77	(290)	(252)	-	(465)
Net (losses) profit for the period	(313)	1,178	989	36	1,890

CIMB Thai Bank Public Company Limited Condens ed Notes to Interim Financial Information (Unaudited) For the nine-month period ended 30 September 2025

30 September	31 December	30 September	31 December	30 September	31 December	30 September	31 December
2025	2024	2025	2024	2025	2024	2025	2024
Million Baht	Million Baht	Million Baht	Million Baht	Million Baht	Million Baht	Million Baht	Million Baht
558,606	505,578	32,485	36,280	(31,415)	(33,402)	559,676	508,456
3,319	6,912	723	615	(477)	(377)	3,565	7,150
86,689	62,283	-	-	-	-	86,689	62,283
121,082	105,584	2	820	-	-	121,084	106,404
237,944	245,812	29,984	33,105	(27,960)	(30,067)	239,968	248,850
506,998	457,112	29,262	31,386	(28,997)	(30,789)	507,263	457,709
278,110	279,306	-	-	(476)	(377)	277,634	278,929
95,390	67,945	28,475	30,400	(28,475)	(30,400)	95,390	67,945
16,070	10,820	-	-	-	-	16,070	10,820
16,519	18,351	-	-	-	-	16,519	18,351

Bank business Hire-purchase business Eliminations Cons olidated

Total assets

Interbank and money market Items, net (assets)

Financial assets measured at fair value through profit or loss

Investments, net Loans and accrued

interest receivables, net

Total liabilities Deposits

Interbank and money market Items (liabilities)

Financial liabilities measured at fair value through profit or loss

Debt issued and borrowings

Fair value

Fair value estimation

The table below analyses financial instruments carried at fair value, by valuation method. The different levels have been defined as follows:

Level 1: The fair value of financial instruments is based on the current bid price/ closing price by reference to the Stock Exchange of Thailand.
Level 2: The fair value of financial instruments is determined using significant observable inputs and, as little as possible, entity-specific estimates.

Level 3: The fair value of financial instruments is not based on observable market data.

The following table presents the financial assets and liabilities that are measured at fair value at 30 September 2025 and 31 December 2024.

Consolidated and Separate 30 September 2025 Fair Value Book Value Level 1 Level 2 Level 3 Total Million Baht Million Baht Million Baht Million Baht Million Baht

Assets
Financial assets measured at fair value through profit or loss	86,689	-	86,689	-	86,689
Investments in debtinstruments measured at
fair value through other comprehensive income	82,967	-	82,967	-	82,967
Investments in equity instruments designated atfair value through
other comprehensive income	1,428	8	-	1,420	1,428
Derivative assets	58,333	-	58,315	18	58,333
Total assets	229,417	8	227,971	1,438	229,417
Liabilities
Financial liabilities measured at fair value through profit or loss	16,070	-	16,070	-	16,070
Derivatives liabilities	68,268	-	68,250	18	68,268
Total liabilities	84,338	-	84,320	18	84,338

Consolidated and Separate 31 December 2024 Fair Value

Book Value Million Baht		Level 1 Million Baht	Level 2 Million Baht	Level 3 Million Baht	Total Million Baht
Ass ets Financial assets measured at fair value through profit or loss 62,283 Investments in debt instruments		-	62,283	-	62,283
measured at fair value through other comprehensive income 68,334 Investments in equity instruments		-	68,334	-	68,334
designated at fair value through other comprehensive income 693		9	660	24	693
Derivative assets 56,229		-	56,198	31	56,229
Total assets 187,539		9	187,475	55	187,539
Liabilities
Financial liabilities measured at fair value through profit or loss	10,820	-	10,820	-	10,820
Derivatives liabilities	57,793	-	57,762	31	57,793
Total liabilities	68,613	-	68,582	31	68,613

Valuation techniques used to derive Level 2 fair values
Level 2 financial assets measured at fair value through profit or loss and investments in debt instruments measured at fair value through other comprehensive income are fair valued using a discounted cash flow approach, which discounts the contractual cash flows using discount rates derived from observable market prices of other quoted debt instrument of counterparties
Level 2 trading and hedging derivatives, and financial liabilities designated at fair value through profit or loss comprise of forward foreign exchange contracts, interest rate swaps, structured debentures, and accreting structured bill of exchanged. These forward foreign exchange contracts have been fair valued using forward exchange rates that are quoted in an active market. Interest rate swaps, structured debentures, and accreting structured bill of exchanged are fair valued using forward interest rates extracted from observable yield curves. The effects of discounting are generally insignificant for Level 2 derivatives.

Fair value meas urements us ing s ignificant unobs ervable inputs (Level 3) Consolidated and Separate Gains recognised in As at Los ses other As at 1 January recognised in comprehensive Trans fer 30 September 2025 profit or loss income from level 2 2025

Million Baht Million Baht Million Baht Million Baht Million Baht

24	-	736	660	1,420
31	(13)	-	-	18
31	(13)	-	-	18

Investments in equity instruments designated at fair value through other comprehensive income

Derivative Assets Credit derivatives

Derivative Liabilities Credit derivatives

Consolidated and Separate Loss es recognised in As at Los ses other As at 1 January recognised in comprehensive Trans fer 31 December 2024 profit or loss income from level 2 2024

Million Baht Million Baht Million Baht Million Baht Million Baht

31	-	(7)	-	24
39	(8)	-	-	31
39	(8)	-	-	31

Investments in equity instruments designated at fair value through other comprehensive income

Derivative Assets Credit derivatives

Derivative Liabilities Credit derivatives

The Group measures a Level 3:

Investment in non-marketable equity instrument, and marketable equity instrument which are temporarily prohibited from trading, are designated at fair value through other comprehensive income by using comparable company analysis techniques of companies registered in the Stock Exchange of Thailand and companies within the same industry, respectively. The Group considered its financial position comparable with the equity instruments.

Credit derivatives products, where valuation inputs are unobservable, are valued using analytic/semi-analytic pricing models that model credit default with other market variables such as foreign exchange ("FX") rates in a mathematically and theoretically consistent framework. These valuation models are the usual market standard used in credit derivatives pricing.

Financial ass ets measured at fair value through profit or los s

6.1	Financial as sets for trading Cons olidated and Separate
	30 September	31 December
	2025 Fair value	2024 Fair value
	Million Baht	Million Baht
Government and state enterprise securities	44,670	22,233
Private enterprise debt securities - Domestic	5,925	4,052
Total	50,595	26,285

6.2 Financial as sets designated at fair value through profit or los s Cons olidated and Separate

	30 September 2025 Fair value Million Baht	31 December 2024 Fair value Million Baht
Government and state enterprise securities	36,094	35,998
7 Derivatives
7.1 Trading derivatives
Fair value and notional amount classified by type of risk
Cons olidated and Separate

30 September 2025 31 December 2024 Fair value Fair value Notional Notional As set Liability amount Ass et Liability amount

Million Baht Million Baht Million Baht Million Baht Million Baht Million Baht

Exchange rate	29,356	28,881	2,320,276	37,448	37,056	2,441,006
Interest rate	28,465	26,904	3,950,620	17,942	14,304	3,340,013
Others	286	10,948	78,360	208	4,647	62,246
Total	58,107	66,733	6,349,256	55,598	56,007	5,843,265

Derivative for hedging

Fair value hedge

Interest rate

Consolidated and Separate 30 September 2025 31 December 2024 Fair value Fair value

		Notional			Notional
Ass et	Liability	amount	Ass et	Liability	amount
Million Baht	Million Baht	Million Baht	Million Baht	Million Baht	Million Baht
50	1,052	58,948	16	982	48,775

Total 50 1,052 58,948 16 982 48,775

Fair value hedges are used to hedge the exposure to changes in fair value of financial assets and financial liabilities due to movements in market interest rates. The Bank enters into interest rate swaps to hedge against interest rate risk of bond. The Bank recognises gains or losses from changes in fair value of derivatives from hedging and hedged items in the statements of comprehensive income.

Cas h flow hedge

Consolidated and Separate 30 September 2025 31 December 2024 Fair value Fair value

Ass et Million Baht

Liability Million Baht

Notional

amount Million Baht

Ass et Million Baht

Liability Million Baht

Notional

amount Million Baht

Exchange rate

176

483

20,110

615

804

22,336

Total

176

483

20,110

615

804

22,336

Cash flowhedges are used to protect againstexposure to variability in future cash flows attributable to movements in foreign exchange rates and interest rates of financial assets and financial liabilities. The Bank hedges cash flows from loan, structure bill of exchange, credit linked note and subordinated debentures against foreign exchange rates risk and interest rates risk using Cross Currency and Interest Rate Swap contract, and Interest Rate Swap contract with CIMB Bank Berhad and other parties.

Investments , net Inves tments in debt instruments measured at amortised cos t Cons olidated 30 September 31 December 2025 2024 Amortised cost Amortis ed cost Million Baht Million Baht

Government and state enterprise securities 36,689 37,377 Private debt securities 1 1

Total 36,690 37,378

Less Allowance for expected credit losses (1) (1) Total 36,689 37,377

Inves tments in debt instruments measured at fair value through other comprehens ive income Cons olidated 30 September 31 December 2025 2024 Fair value Fair value Million Baht Million Baht

Government and state enterprise securities	72,733	64,174
Private debt securities - Domestic	3,854	4,160
Debt securities - Foreign	6,380	-
Total	82,967	68,334
Allowance for expected credit losses	(286)	(118)

Cons olidated 30 September 2025 31 December 2024 Fair value Dividend receives Fair value Dividend receives Investments in equity instruments designated at fair value through other comprehensive income

Million Baht Million Baht Million Baht Million Baht

Domestic marketable equity securities	1,408	-	9	-
Foreign non-marketable equity securities	-	-	1	-
Domestic non-marketable equity securities	20	12	683	23
Total	1,428	12	693	23
Investments, net	121,084	12	106,404	23

Separate

	30 September 2025	31 December 2024
	Amortised cost Million Baht	Amortised cost Million Baht
Investments in debt ins truments meas ured at amortized cos t Government and state enterprise securities	36,687	36,557
Private debt securities	1	1
Total	36,688	36,558
Less Allowance for expected credit losses	(1)	(1)
Total	36,687	36,557

Investments in debt ins truments meas ured at fair value through other comprehensive income Separate 30 September 31 December 2025 2024 Fair value Fair value Million Baht Million Baht

Government and state enterprise securities		72,733 64,174
Private debt securities - Domestic		3,854 4,160
Debt securities - Foreign		6,380 -
Total		82,967 68,334
Allowance for expected credit losses		(286) (118)
		Separate
	30 September 2025	31 December 2024

Fair value Dividend receives Fair value Dividend receives Investments in equity instruments designated at fair value through other comprehensive income

Million Baht Million Baht Million Baht Million Baht

Domestic marketable equity securities	1,408	-	9	-
Foreign non-marketable equity securities	-	-	1	-
Domestic non-marketable equity securities	20	12	683	23
Total	1,428	12	693	23
Investments, net	121,082	12	105,584	23

As at 30 September 2025 and 31 December 2024, the Group had investments pledged as collateral, as mentioned in note 24 to the interim financial information.

Investments in s ubsidiaries , net

Separate

Percentage of holding Cos t method

		30 September	31 December	30 September	31 December
Nature of	Type of	2025	2024	2025	2024
Company name bus ines s	securities	%	%	Million Baht	Million Baht

Subs idiaries - included in

consolidated financial information

CIMB Thai Auto Company Limited Hire- Purchase of

automobile and

motorcycle Common stock 99.99 99.99 2,328 2,328

World Lease Company Limited Hire-purchase of

motorcycle Common stock 99.99 99.99 567 567

Investments in subsidiaries, net 2,895 2,895

All subsidiary undertakings are included in the consolidation. The proportion of the voting rights in the subsidiary undertakings held directly by the parent company do not differ from the proportion of ordinary shares held. There are no other type of shares issued by subsidiaries other than ordinary shares.

Loans to customers and accrued interest receivable, net

Clas s ified by type of loans Cons olidated Separate

30 September 31 December 30 September 31 December
2025		2024	2025	2024
Million Baht Million Baht Million Baht Million Baht
Bank overdrafts	1,845	2,285	1,845	2,285
Loans	189,731	193,333	189,698	193,308
Bills	17,518	19,685	45,993	50,085
Hire-purchase receivables	32,652	35,693	-	-
Others	334	324	333	324
Total loans to customers	242,080	251,320	237,869	246,002
Add Accrued interest receivable
and undue interest receivable	7,641	7,301	7,688	7,288
Total loans to customers and accrued interest receivable	249,721	258,621	245,557	253,290
Less Allowance for expected credit losses
(Note 11)	(9,753)	(9,771)	(7,613)	(7,478)
Loans to customer and accrued
interest receivables, net	239,968	248,850	237,944	245,812

Clas s ification of loans

The Group classified loans by business type and classification as summarised below:

Loans of the Group Consolidated Loans and accrued interest receivable

	30 September 2025 Million Baht	31 December 2024 Million Baht
Financial assets with an insignificant increase in credit risk	225,047	237,173
Financial assets with a significant increase in credit risk	17,076	13,521
Credit-impaired financial assets	7,380	7,729
Purchased or originated credit-impaired financial assets	218	198
Total	249,721	258,621

Separate Loans and accrued interest receivable

	30 September 2025 Million Baht	31 December 2024 Million Baht
Financial assets with an insignificant increase in credit risk	200,116	239,244
Financial assets with a significant increase in credit risk	38,706	6,998
Credit-impaired financial assets	6,517	6,850
Purchased or originated credit-impaired financial assets	218	198
Total	245,557	253,290

Hire purchase and finance lease receivables

Subsidiaries had receivables under hire purchase agreements and finance lease receivables, mostly comprising hire purchase agreements and financial leases for cars and motorcycles. The term of the agreements are between 3 - 7 years and interest is mostly charged at a fixed rate.

Cons olidated 30 September 2025 Amounts due under lease agreement

	Les s than 1 year Million Baht	1 - 5 years Million Baht	Over 5 years Million Baht	Total Million Baht
Gross investment in the lease	11,796	27,127	1,122	40,045
Less Unearned finance income	(3,191)	(4,144)	(58)	(7,393)
Present value of minimum lease payments receivable	8,605	22,983	1,064	32,652

Less Allowance for expected credit

losses (2,723)

Netreceivables under hire-purchase

agreements and financial leases 29,929

Cons olidated 31 December 2024 Amounts due under lease agreement

	Les s than 1 year Million Baht	1 - 5 years Million Baht	Over 5 years Million Baht	Total Million Baht
Gross investment in the lease	12,073	29,685	2,336	44,094
Less Unearned finance income	(3,334)	(4,941)	(126)	(8,401)
Present value of minimum lease payments receivable	8,739	24,744	2,210	35,693

Less Allowance for expected credit

losses (2,632)

Netreceivables under hire-purchase

agreements and financial leases 33,061

During the period, the subsidiary realised gains on sale of non-performing loans totalling Baht 12 million. These non-performing loans have been written-off according to the Group's policy. (30 September 2024: Baht 90 million)

Allowance for expected credit los ses Financial assets Financial Consolidated 30 September 2025 Purchased or with an insignificant increase in credit risk assets with a s ignificant increase in credit risk Credit-impaired financial assets originated credit-impaired financial assets Surplus allowance Total

Million Baht Million Baht Million Baht Million Baht Million Baht Million Baht

Balance as at 1 January 2025	2,616	1,749	3,659	198	1,549	9,771
Change due to reclassification	(123)	(241)	364	-	-	-
Change due to new estimation of credit loss	(62)	818	1,691	-	-	2,447
Newly acquired or
purchased financial assets	478	244	-	20	-	742
Derecognised financial assets	(335)	(602)	(523)	-	-	(1,460)
Write-offs	-	(2)	(1,349)	-	-	(1,351)
NPLs sale	-	-	(396)	-	-	(396)
Balance as at 30 September 2025	2,574	1,966	3,446	218	1,549	9,753
Consolidated
			31 Dece	mber 2024
	Financial
	assets with an	Financial assets with	Credit-	Purchased or originated
	insignificant increase in	a s ignificant increase in	impaired financial	credit-impaired financial	Surplus
	credit risk	credit risk	assets	assets	allowance	Total
	Million Baht	Million Baht	Million Baht	Million Baht	Million Baht	Million Baht
Balance as at 1 January 2024	2,193	2,366	4,295	14	1,549	10,417
Change due to reclassification	(180)	(549)	729	-	-	-
Change due to new estimation of credit loss	186	353	3,070	12	-	3,621
Newly acquired or
purchased financial assets	701	33	-	186	-	920
Derecognised financial assets	(284)	(450)	(852)	(5)	-	(1,591)
Write-offs	-	(4)	(2,138)	(9)	-	(2,151)
NPLs sale	-	-	(1,445)	-	-	(1,445)
Balance as at 31 December 2024	2,616	1,749	3,659	198	1,549	9,771
Separate
			30 Sept	ember 2025
	Financial assets	Financial
	with an insignificant	assets with a s ignificant	Credit-impaired	Purchased or originated
	increase in credit risk	increase in credit risk	financial assets	credit-impaired financial assets	Surplus allowance	Total
	Million Baht	Million Baht	Million Baht	Million Baht	Million Baht	Million Baht
Balance as at 1 January 2025	1,999	632	3,192	198	1,457	7,478
Change due to reclassification	(373)	256	117	-	-	-
Change due to new estimation of credit loss	(67)	442	523	-	-	898
Newly acquired or
purchased financial assets	333	175	-	20	-	528
Derecognized financial assets	(290)	(144)	(28)	-	-	(462)
Write-offs	-	(2)	(431)	-	-	(433)
NPLs sale	-	-	(396)	-	-	(396)
Balance as at 30 September 2025	1,602	1,359	2,977	218	1,457	7,613

Financial assets Financial Separate 31 December 2024 Purchased or with an insignificant increase in credit risk assets with a s ignificant increase in credit risk Credit-impaired financial assets originated credit-impaired financial assets Surplus allowance Total

Million Baht Million Baht Million Baht Million Baht Million Baht Million Baht

Balance as at 1 January 2024	1,760	1,278	3,905	14	1,457	8,414
Change due to reclassification	(66)	(279)	345	-	-	-
Change due to new estimation of credit loss	39	(316)	1,102	12	-	837
Newly acquired or purchased financial assets	528	20	-	186	-	734
Derecognised financial assets	(262)	(67)	(146)	(5)	-	(480)
Write-offs	-	(4)	(569)	(9)	-	(582)
NPLs sale	-	-	(1,445)	-	-	(1,445)
Balance as at 31 December 2024	1,999	632	3,192	198	1,457	7,478

Financial liabilities measured at fair value through profit or los s

Financial liabilities held for trading Cons olidated and Separate 30 September 2025 31 December 2024 Million Baht Million Baht
Obligation to return securities 4,532 -
Total 4,532 -

Financial liabilities measured at fair value through profit or los s Cons olidated and Separate

	30 September 2025	31 December 2024
	Million Baht	Million Baht
Debenture	593	562
Bills of Exchange	10,945	10,258
Total	11,538	10,820

Cons olidated and Separate 30 September 2025 31 December 2024 Million Baht Million Baht

Cumulative change in fair values due to a change in credit risk

of liabilities recognised in other comprehensive income 125 123

Difference between book values and notional amounts to be settled

as the contracts mature 1,318 868

Share capital

Consolidated and Separate 30 September 2025 31 December 2024 Number Amount Number Amount

Million shares Million Baht Million shares Million Baht

Registered

Beginning of the period/year

- Ordinary shares	34,822	17,411	34,822	17,411
Issue of shares	-	-	-	-
End of the period/year	34,822	17,411	34,822	17,411
Is sued and paid-up
Beginning of the period/year
- Ordinary shares	34,822	17,411	34,822	17,411
Issue of shares	-	-	-	-
End of the period/year	34,822	17,411	34,822	17,411
14 Dividend payments

On 18 April 2025, the Annual General Meeting of Shareholders approved a resolution to pay dividends for the year 2024 of CIMB Thai Bank Public Company Limited at the rate of Baht 0.04 per share for 34,822,261,748 shares, totalling Baht 1,392,890,470. The bank will pay the dividends to shareholders on 16 May 2025.

On 18 April 2025, the Board of Directors Meeting approved a resolution to pay dividends for the year 2024 of Worldlease Co., Ltd. at the rate of Baht 30 per paid up share for 100,000,000 shares, totalling Baht 1,290,131,781. The company will pay the dividends to shareholders on 27 May 2025.

On 19 April 2024, the Annual General Meeting of Shareholders approved a resolution to not pay dividends for the year 2023.

15 Capital funds

The primary objectives of the Group's capital management are to maintain the Group's ability to continue as a going concern and to maintain a capital adequacy ratio in accordance with the Banking Business Act B.E. 2551. The capital funds comprise:

30 September 2025		Total capital to risk as s ets	31 December 2024	Total capital to risk as s ets
Capital fund for consolidated Million Baht % Million Baht %
Tier I
Issued and paid-up share capital	17,411		17,411
Share premium	10,146		10,146
Statutory reserve	1,153		928
Unappropriated surplus	19,195		19,075
Other reserves	2,586		1,381
Deduction on Tier I capital fund	(2,039)		(2,017)
Total Tier I capital fund	48,452	16.61	46,924	16.96
Tier II
Long-term subordinated debentures	10,374		10,374
Reserve for loan classified as pass	2,601		2,526
Total Tier II capital fund	12,975	4.45	12,900	4.66
Total capital funds	61,427	21.06	59,824	21.62
	30 September 2025	Total capital to risk as s ets	31 December 2024	Total capital to risk as s ets

Capital funds for s eparate Million Baht % Million Baht %

Tier I Issued and paid-up share capital	17,411	17,411
Share premium	10,146	10,146
Statutory reserve	1,153	928
Unappropriated surplus	18,315	16,259
Other reserves	2,588	1,383
Deduction on Tier I capital fund	(802)	(874)

Total Tier I capital fund 48,811 16.69 45,253 16.33

Tier II

Long-term subordinated debentures	10,374		10,374
Reserve for loan classified as pass	2,692		2,618
Total Tier II capital fund	13,066	4.47	12,992	4.68
Total capital funds	61,877	21.16	58,245	21.01

The Bank has maintained capital fund and liquidity coverage ratio under BOT notification of international capital requirement standards under the Basel III regulatory framework in accordance with the Notification of the Bank of Thailand.

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