Cash
Interbank and money market items, net Financial assets measured at fair value
through profit or loss Derivative assets Investments, net
Investments in subsidiaries, net
Loans and accrued interest receivables, net Properties for sale, net
Premises and equipment, net Right of use assets, net Intangible assets, net Deferred tax assets
Credit support assets on derivatives
Accounts receivable from sell of financial assets measured at fair value through profit or loss and investments
Other assets, net
Total assets (Unaudited) (Audited) (Unaudited) (Audited) 30 September 31 December 30 September 31 December 2025 2024 2025 2024607,607 | 950,862 | 607,337 | 950,532 |
3,565,197 | 7,149,862 | 3,318,997 | 6,912,251 |
86,689,473 | 62,283,037 | 86,689,473 | 62,283,037 |
58,333,316 | 56,229,043 | 58,333,316 | 56,229,043 |
121,084,361 | 106,403,972 | 121,082,361 | 105,584,438 |
- | - | 2,895,421 | 2,895,421 |
239,967,831 | 248,850,388 | 237,943,975 | 245,812,068 |
1,164,009 | 1,133,386 | 1,009,513 | 957,127 |
3,239,840 | 3,360,910 | 3,126,819 | 3,231,316 |
194,714 | 188,663 | 172,438 | 170,698 |
941,113 | 977,063 | 915,787 | 947,404 |
1,211,470 | 1,113,948 | - | - |
24,792,918 | 12,668,356 | 24,792,918 | 12,668,356 |
14,052,973 | 4,881,956 | 14,052,973 | 4,881,956 |
3,831,334 | 2,264,608 | 3,664,292 | 2,054,149 |
559,676,156 | 508,456,054 | 558,605,620 | 505,577,796 |
Deposits
Interbank and money market items Liability payable on demand
Financial liabilities measured at fair value through profit or loss
Derivative liabilities
Debt issued and borrowings Lease liabilities
Provisions
Deferred tax liabilities
Credit support liabilities on derivatives Accounts payable from purchase of financial
assets measured at fair value through profit or loss and investments
Other liabilities
Total liabilities EquityShare capital Registered
34,822,261,748 ordinary shares of Baht 0.50 each
Issued and paid-up share capital 34,822,261,748 ordinary shares
of Baht 0.50 each Premium on share capital Other reserves
Accretion of equity interests in subsidiary Retained earnings
Appropriated - statutory reserve Unappropriated
Total equity Total liabilities and equity (Unaudited) (Audited) (Unaudited) (Audited) 30 September 31 December 30 September 31 December 2025 2024 2025 2024277,633,566 | 278,928,750 | 278,110,322 | 279,306,415 |
95,390,454 | 67,945,138 | 95,390,454 | 67,945,138 |
577,319 | 235,448 | 577,319 | 235,448 |
16,069,803 | 10,819,768 | 16,069,803 | 10,819,768 |
68,267,801 | 57,792,748 | 68,267,801 | 57,792,748 |
16,519,181 | 18,351,093 | 16,519,181 | 18,351,093 |
199,373 | 193,046 | 176,886 | 174,794 |
1,513,097 | 1,556,699 | 1,409,409 | 1,446,476 |
914,151 | 92,399 | 794,657 | 21,753 |
12,188,052 | 12,134,373 | 12,188,052 | 12,134,373 |
13,517,255 | 4,588,748 | 13,517,255 | 4,588,748 |
4,472,648 | 5,070,803 | 3,976,371 | 4,295,169 |
507,262,700 | 457,709,013 | 506,997,510 | 457,111,923 |
17,411,131 | 17,411,131 | 17,411,131 | 17,411,131 |
17,411,131 | 17,411,131 | 17,411,131 | 17,411,131 |
10,145,966 | 10,145,966 | 10,145,966 | 10,145,966 |
2,953,444 | 1,735,642 | 2,972,880 | 1,755,078 |
(42,754) | (42,754) | - | - |
1,153,101 | 927,601 | 1,153,101 | 927,601 |
20,792,568 | 20,569,455 | 19,925,032 | 18,226,097 |
52,413,456 | 50,747,041 | 51,608,110 | 48,465,873 |
559,676,156 | 508,456,054 | 558,605,620 | 505,577,796 |
Statement of Comprehensive Income (Unaudited)
For the three-month period ended 30 September 2025
Interest income Interest expenses
Net interest income
Fees and service income Fees and service expenses
Net fees and service income
(Losses) gains on financial instruments measured at fair value through profit or loss, net
Gains on investments, net
Gains on sale of non-performing loans Other operating income
Total operating income
Other operating expenses Employee expenses Directors' remuneration
Premises and equipment expenses Taxes and duties
Others
Total other operating expenses
Expected credit losses
Profit before income tax expenses
Income tax expenses
Net profit for the period
Consolidated Separate
2025 2024 2025 2024
4,081,298 | 4,731,325 | 3,465,846 | 4,123,920 |
(2,020,139) | (2,222,175) | (2,020,031) | (2,222,092) |
2,061,159 | 2,509,150 | 1,445,815 | 1,901,828 |
449,270 | 525,403 | 400,687 | 420,124 |
(123,595) | (164,205) | (63,907) | (98,694) |
325,675 | 361,198 | 336,780 | 321,430 |
(1,161,779) | 514,640 | (1,161,779) | 514,640 |
2,296,493 | 62,216 | 2,296,493 | 62,216 |
(613) | - | - | - |
248,015 | 299,895 | 179,943 | 216,113 |
3,768,950 | 3,747,099 | 3,097,252 | 3,016,227 |
1,016,991 | 1,039,595 | 900,305 | 913,427 |
3,558 | 3,625 | 3,558 | 3,625 |
233,278 | 246,612 | 203,716 | 212,549 |
94,177 | 119,057 | 93,793 | 118,764 |
422,672 | 802,430 | 349,776 | 367,411 |
1,770,676 | 2,211,319 | 1,551,148 | 1,615,776 |
977,705 | 791,350 | 484,929 | 368,067 |
1,020,569 | 744,430 | 1,061,175 | 1,032,384 |
(202,826) | (148,762) | (211,201) | (206,279) |
817,743 | 595,668 | 849,974 | 826,105 |
Thousand Baht Thousand Baht Thousand Baht Thousand Baht
Statement of Comprehensive Income (Unaudited) (Cont'd)
For the three-month period ended 30 September 2025
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
Losses on fair value of hedging instruments for cash flow hedges
Income tax relating to items that will be reclassified subsequently to profit or loss
Total items that will be reclassified
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
Gains (losses) on financial liabilities designated at fair value relating to own credit risk
Income tax relating to items that will not be reclassified subsequently to profit or loss
Total items that will not be reclassified subsequently to profit or loss
Total other comprehensive income
Total comprehensive income for the period
Consolidated Separate
2024 2024 2024 2024
172,743 | 166,149 | 172,743 | 166,149 |
(27,163) | (97,303) | (27,163) | (97,303) |
(28,420) | (4,078) | (28,420) | (4,078) |
117,160 | 64,768 | 117,160 | 64,768 |
741,834 | 1,338 | 741,834 | 1,338 |
2,562 | (23,295) | 2,562 | (23,295) |
(148,781) | (504) | (148,781) | (504) |
595,615 | (22,461) | 595,615 | (22,461) |
712,775 | 42,307 | 712,775 | 42,307 |
1,530,518 | 637,975 | 1,562,749 | 868,412 |
Thousand Baht Thousand Baht Thousand Baht Thousand Baht
Statement of Comprehensive Income (Unaudited) (Cont'd)
For the three-month period ended 30 September 2025
Net profit attributable to: Shareholders of the Bank Non-controlling interests
Total comprehensive income (expenses) attributable to:
Shareholders of the Bank Non-controlling interests
Earnings per share for profit attributable to the shareholders of the Bank
Basic earnings per share (Baht per share)
Weighted average number of ordinary shares (shares)
Consolidated Separate
2025 2024 2025 2024
817,743 - | 595,668 - | 849,974 - | 826,105 - | |
817,743 | 595,668 | 849,974 | 826,105 | |
1,530,518 | 637,975 | 1,562,749 | 868,412 | |
- | - | - | - | |
1,530,518 | 637,975 | 1,562,749 | 868,412 | |
0.02 | 0.02 | 0.02 | 0.02 | |
34,822,261,748 | 34,822,261,748 | 34,822,261,748 | 34,822,261,748 | |
Thousand Baht Thousand Baht Thousand Baht Thousand Baht
Statement of Comprehensive Income (Unaudited)
For the nine-month period ended 30 September 2025
Interest income Interest expenses
Net interest income
Fees and service income Fees and service expenses
Net fees and service income
(Losses) gains on financial instruments measured at fair value through profit or loss, net
Gains on investments, net
Gains on sale of non-performing loans Other operating income
Total operating income
Other operating expenses Employee expenses Directors' remuneration
Premises and equipment expenses Taxes and duties
Others
Total other operating expenses
Expected credit losses
Profit before income tax expenses
Income tax expenses
Net profit for the period
Consolidated Separate
2025 2024 2025 2024
12,494,999 | 14,105,060 | 10,620,195 | 12,309,997 |
(6,340,454) | (6,856,492) | (6,340,148) | (6,856,086) |
6,154,545 | 7,248,568 | 4,280,047 | 5,453,911 |
1,369,204 | 1,515,570 | 1,163,965 | 1,168,343 |
(375,872) | (517,172) | (191,317) | (314,956) |
993,332 | 998,398 | 972,648 | 853,387 |
(646,760) | 1,177,079 | (646,760) | 1,177,079 |
3,213,127 | 360,523 | 3,213,057 | 360,523 |
11,667 | 90,218 | 1,547 | - |
823,517 | 910,715 | 1,873,475 | 637,438 |
10,549,428 | 10,785,501 | 9,694,014 | 8,482,338 |
3,064,607 | 3,017,000 | 2,687,991 | 2,637,818 |
11,116 | 10,981 | 11,116 | 10,981 |
711,521 | 718,814 | 624,553 | 615,391 |
306,301 | 361,462 | 303,728 | 358,886 |
1,207,468 | 2,466,293 | 986,068 | 954,298 |
5,301,013 | 6,574,550 | 4,613,456 | 4,577,374 |
2,958,934 | 1,855,551 | 1,271,270 | 492,310 |
2,289,481 | 2,355,400 | 3,809,288 | 3,412,654 |
(459,101) | (465,162) | (503,086) | (677,266) |
1,830,380 | 1,890,238 | 3,306,202 | 2,735,388 |
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
Losses on fair value of hedging instruments for cash flow hedges
Income tax relating to items that will be reclassified subsequently to profit or loss
Total items that will be reclassified
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
(Losses) gains on financial liabilities designated at fair value relating to own credit risk
Income tax relating to items that will not be reclassified subsequently to profit or loss
Total items that will not be reclassified subsequently to profit or loss
Total other comprehensive income
Total comprehensive income for the period
Consolidated Separate
2025 2024 2025 2024
827,176 | 168,639 | 827,176 | 168,639 |
(47,543) | (19,358) | (47,543) | (19,358) |
(122,385) | (20,544) | (122,385) | (20,544) |
657,248 | 128,737 | 657,248 | 128,737 |
732,719 | (1,554) | 732,719 | (1,554) |
(1,778) | 402,406 | (1,778) | 402,406 |
(147,432) | (85,469) | (147,432) | (85,469) |
583,509 | 315,383 | 583,509 | 315,383 |
1,240,757 | 444,120 | 1,240,757 | 444,120 |
3,071,137 | 2,334,358 | 4,546,959 | 3,179,508 |
Thousand Baht Thousand Baht Thousand Baht Thousand Baht
Statement of Comprehensive Income (Unaudited) (Cont'd)
For the nine-month period ended 30 September 2025
Net profit attributable to: Shareholders of the Bank Non-controlling interests
Total comprehensive income attributable to:
Shareholders of the Bank Non-controlling interests
Earnings per share for profit attributable to the shareholders of the Bank
Basic earnings per share (Baht per share)
Weighted average number of ordinary shares (shares)
Consolidated Separate
2025 2024 2025 2024
1,830,380 - | 1,890,238 - | 3,306,202 - | 2,735,388 - | |
1,830,380 | 1,890,238 | 3,306,202 | 2,735,388 | |
3,071,137 | 2,334,358 | 4,546,959 | 3,179,508 | |
- | - | - | - | |
3,071,137 | 2,334,358 | 4,546,959 | 3,179,508 | |
0.05 | 0.05 | 0.09 | 0.08 | |
34,822,261,748 | 34,822,261,748 | 34,822,261,748 | 34,822,261,748 | |
Thousand Baht Thousand Baht Thousand Baht Thousand Baht