Interim report
Page 1
(Unaudited) (Audited) (Unaudited) (Audited) 30 September 31 December 30 September 31 December 2026 2025 2026 2025 Thousand Baht Thousand Baht Thousand Baht Thousand Baht Assets Cash 906,556 1,209,059 906,498 1,209,001 Interbank and money market items, net 41,237,812 39,238,186 38,475,938 36,458,949 Financial assets measured at fair value through profit or loss 25,109,486 23,636,507 3,565,709 10,082,899 Derivatives assets 10,805,683 9,823,661 10,779,057 9,649,517 Investments, net 50,162,937 42,850,747 46,559,372 39,729,877 Investments in subsidiaries, net - - 8,170,477 8,215,032 Investments in properties, net 18,860 19,189 - - Loans to customers and accrued interest receivables, net 345,188,600 331,200,184 346,973,819 333,497,818 Properties foreclosed, net 5,806,052 6,426,209 6,851,901 7,527,563 Land, premises and equipment, net 6,470,442 6,772,251 822,013 1,002,623 Right-of-use assets 223,826 239,798 744,883 863,107 Other intangible assets, net 1,595,200 1,749,080 1,155,854 1,320,179 Goodwill 3,066,035 3,066,035 - - Deferred tax assets 1,684,566 1,460,747 1,518,377 1,285,505 Accounts receivable from clearing house and broker - dealers 2,775,475 1,945,336 - - Securities and derivative business receivables 8,600,389 11,167,973 - - Other assets, net 13,195,230 7,290,231 11,797,634 6,184,437 Total assets 516,847,149 488,095,193 478,321,532 457,026,507 Kiatnakin Phatra Bank Public Company Limited and Subsidiaries Statement of Financial Position As at 30 September 2026 Consolidated Separate
Page 2
(Unaudited) (Audited) (Unaudited) (Audited) 30 September 31 December 30 September 31 December 2026 2025 2026 2025 Thousand Baht Thousand Baht Thousand Baht Thousand Baht Liabilities and Equity Liabilities Deposits 346,719,323 348,299,827 347,282,178 348,756,497 Interbank and money market items, net 18,954,689 13,078,100 20,119,650 12,967,046 Liabilities payable on demand 735,898 439,418 735,898 439,418 Financial liabilities designated at fair value through profit or loss 5,738,337 3,016,725 2,941,611 1,859,802 Derivatives liabilities 11,761,617 9,831,792 11,748,091 9,823,093 Debt issued and borrowings 30,633,879 15,088,154 22,396,891 6,414,878 Lease liabilities 179,604 192,524 727,982 842,848 Provisions 1,767,358 1,672,275 1,344,371 1,270,691 Deferred tax liabilities 627,630 559,131 - - Accounts payable to clearing house and broker - dealers 1,706,728 1,945,882 - - Securities and derivative business payables 15,540,408 9,488,834 - - Accrued interest expenses 1,055,167 796,388 1,060,433 795,870 Other accounts payable 5,966,612 12,438,897 4,596,750 11,135,127 Corporate income tax payable and specific business tax payable 710,059 878,492 614,540 745,741 Other liabilities 5,343,204 5,162,514 4,001,073 3,885,638 Total liabilities 447,440,513 422,888,953 417,569,468 398,936,649 Equity Share capital Authorized share capital 1,047,876,293 ordinary shares of Baht 10 each 10,478,763 10,478,763 10,478,763 10,478,763 Issued and paid-up share capital 895,423,905 ordinary shares of Baht 10 each (31 December 2025 : 846,760,480 ordinary shares of Baht 10 each)8,954,239 8,467,605 8,954,239 8,467,605 Premium on share capital 12,405,459 9,356,796 12,405,459 9,356,796 Other components of equity 3,075,379 3,064,933 885,932 1,034,546 Retained earnings Appropriated Legal reserve 1,047,876 1,047,876 1,047,876 1,047,876 Treasury share reserve 1,949,704 1,949,704 1,949,704 1,949,704 Unappropriated 43,398,818 42,835,107 37,458,558 38,183,035 Less Treasury shares (1,949,704) (1,949,704) (1,949,704) (1,949,704) Total equity of the Bank 68,881,771 64,772,317 60,752,064 58,089,858 Non-controlling interests 524,865 433,923 - - Total equity 69,406,636 65,206,240 60,752,064 58,089,858 Total liabilities and equity 516,847,149 488,095,193 478,321,532 457,026,507 ........................................................ ........................................................ (Mr. Aphinant Klewpatinond) (Mr. Philip Chen Chong Tan) Director Director Kiatnakin Phatra Bank Public Company Limited and Subsidiaries Statement of Financial Position (Cont'd) As at 30 September 2026 Consolidated Separate
Page 3
2026 2025 2026 2025 Thousand Baht Thousand Baht Thousand Baht Thousand Baht Interest income 6,127,754 6,446,862 6,058,903 6,368,989 Interest expenses 1,619,513 2,213,667 1,581,552 2,221,142 Interest income, net 4,508,241 4,233,195 4,477,351 4,147,847 Fees and services income 2,689,742 1,878,686 593,925 559,475 Fees and services expenses 423,396 331,793 119,752 98,946 Fees and services income, net 2,266,346 1,546,893 474,173 460,529 Gain on financial instruments measured at fair value through profit or loss, net 561,552 662,682 168,840 366,021 Gain on investments, net 2,360 1,978 1,759 290 Dividend income 146,346 50,706 946,688 525,746 Other operating income 225,254 233,849 191,875 255,474 Total operating income 7,710,099 6,729,303 6,260,686 5,755,907 Other operating expenses Employee’s expenses 2,264,361 2,054,420 1,367,737 1,350,731 Directors’ remuneration 10,360 10,645 9,070 8,980 Premises and equipment expenses 402,081 354,346 320,873 306,435 Taxes and duties 145,486 140,972 135,710 126,928 Loss from revaluation of foreclosed assets 46,814 75,772 46,514 74,466 Loss from sale of foreclosed assets 282,655 554,493 314,942 554,494 Other expenses 582,472 551,395 445,376 452,957 Total other operating expenses 3,734,229 3,742,043 2,640,222 2,874,991 Expected credit loss 927,512 908,627 911,520 902,747 Profit from operating before income tax expenses 3,048,358 2,078,633 2,708,944 1,978,169 Income tax expenses 606,107 390,628 356,413 294,195 Net profit 2,442,251 1,688,005 2,352,531 1,683,974 Kiatnakin Phatra Bank Public Company Limited and Subsidiaries Statement of Profit or Loss and Other Comprehensive Income (Unaudited) For the three-month period ended 30 September 2026 Consolidated Separate
Page 4
2026 2025 2026 2025 Thousand Baht Thousand Baht Thousand Baht Thousand Baht Other comprehensive income Items that will be reclassified subsequently to profit or loss Gain on debt instruments classified at fair value through other comprehensive income 263,268 129,146 263,268 129,146 Loss on cash flow hedges (3,570) - (3,570) - Gain from deferred cost of hedging 2,769 43 2,769 43 Income taxes relating to items that will be subsequently reclassified to profit or loss (52,493) (25,838) (52,493) (25,838) Total itmes that will be reclassified subsequently to profit or loss 209,974 103,351 209,974 103,351 Items that will not be reclassified subsequently to profit or loss Gain (loss) on equity instruments designated at fair value through other comprehensive income 131,312 482,201 (241) 601 Loss on financial liabilities designated at fair value relating to own credit risk (64,693) (9,958) (64,693) (9,958) Remeasurements of post-employment benefit - (97,598) - (70,944) Income taxes on items that will not be subsequently reclassified to profit or loss (9,913) (73,742) 12,986 16,061 Total items that will not be reclassified subsequently to profit or loss56,706 300,903 (51,948) (64,240) Total other comprehensive income (expenses) 266,680 404,254 158,026 39,111 Total comprehensive income 2,708,931 2,092,259 2,510,557 1,723,085 Net profit attributable to Equity holders of the Bank 2,388,135 1,669,882 2,352,531 1,683,974 Non-controlling interests 54,116 18,123 - - Total comprehensive income attributable to Equity holders of the Bank 2,654,785 2,074,209 2,510,557 1,723,085 Non-controlling interests 54,146 18,050 - - Earnings per share Basic earnings per share (Baht) 2.78 2.02 2.73 2.04 Diluted earnings per share (Baht) 2.75 2.02 2.71 2.04 ........................................................ ........................................................ (Mr. Aphinant Klewpatinond) (Mr. Philip Chen Chong Tan) Director Director Statement of Profit or Loss and Other Comprehensive Income (Unaudited) (Cont'd) For the three-month period ended 30 September 2026 Consolidated Separate Kiatnakin Phatra Bank Public Company Limited and Subsidiaries
Page 5
2026 2025 2026 2025 Thousand Baht Thousand Baht Thousand Baht Thousand Baht Interest income 18,062,100 20,076,892 17,876,611 19,866,925 Interest expenses 5,003,418 7,085,665 4,882,688 7,105,630 Interest income, net 13,058,682 12,991,227 12,993,923 12,761,295 Fees and services income 6,924,246 5,156,688 1,732,523 1,640,697 Fees and services expenses 1,170,191 844,477 322,234 261,998 Fees and services income, net 5,754,055 4,312,211 1,410,289 1,378,699 Gain on financial instruments measured at fair value through profit or loss, net 1,230,090 958,163 548,695 594,861 Gain (loss) on investments, net 15,614 1,978 (38,746) (2,131) Dividend income 681,808 191,179 1,474,509 1,263,444 Other operating income 561,482 416,421 574,888 474,662 Total operating income 21,301,731 18,871,179 16,963,558 16,470,830 Other operating expenses Employee’s expenses 6,092,318 5,642,334 3,925,084 3,879,436 Directors’ remuneration 30,193 24,895 25,558 19,960 Premises and equipment expenses 1,170,919 1,083,493 945,761 941,219 Taxes and duties 401,366 442,156 368,183 404,103 Loss from revaluation of foreclosed assets (9,655) 86,814 (10,144) 83,749 Loss from sale of foreclosed assets 932,025 1,787,203 975,916 1,807,297 Other expenses 1,583,309 1,643,857 1,322,651 1,337,241 Total other operating expenses 10,200,475 10,710,752 7,553,009 8,473,005 Expected credit loss 2,858,738 2,984,816 2,799,453 2,987,939 Profit from operating before income tax expenses 8,242,518 5,175,611 6,611,096 5,009,886 Income tax expenses 1,614,786 1,012,459 1,035,233 763,558 Net profit 6,627,732 4,163,152 5,575,863 4,246,328 Kiatnakin Phatra Bank Public Company Limited and Subsidiaries Statement of Profit or Loss and Other Comprehensive Income (Unaudited) For the nine month period ended 30 September 2026 Consolidated Separate
Page 6
2026 2025 2026 2025 Thousand Baht Thousand Baht Thousand Baht Thousand Baht Other comprehensive income Items that will be reclassified subsequently to profit or loss Gain (loss) on debt instruments classified at fair value through other comprehensive income (13,637) 565,470 (13,637) 565,470 Loss on cash flow hedges (7,170) - (7,170) - Gain (loss) from deferred cost of hedging (11,286) 43 (11,286) 43 Income taxes relating to items that will be subsequently reclassified to profit or loss 6,419 (113,103) 6,419 (113,103) Total itmes that will be reclassified subsequently to profit or loss (25,674) 452,410 (25,674) 452,410 Items that will not be reclassified subsequently to profit or loss Gain on equity instruments designated at fair value through other comprehensive income 654,197 564,958 2,193 677 Loss on financial liabilities designated at fair value relating to own credit risk (92,695) (9,958) (92,695) (9,958) Remeasurements of post-employment benefit - (17,726) - (17,536) Income taxes on items that will not be subsequently reclassified to profit or loss (76,358) (106,201) 18,100 5,364 Total items that will not be reclassified subsequently to profit or loss485,144 431,073 (72,402) (21,453) Total other comprehensive income (expenses) 459,470 883,483 (98,076) 430,957 Total comprehensive income 7,087,202 5,046,635 5,477,787 4,677,285 Net profit attributable to Equity holders of the Bank 6,465,716 4,140,903 5,575,863 4,246,328 Non-controlling interests 162,016 22,249 - - Total comprehensive income attributable to Equity holders of the Bank 6,925,035 5,024,455 5,477,787 4,677,285 Non-controlling interests 162,167 22,180 - - Earnings per share Basic earnings per share (Baht) 7.72 5.00 6.66 5.13 Diluted earnings per share (Baht) 7.67 5.00 6.62 5.13 ........................................................ ........................................................ (Mr. Aphinant Klewpatinond) (Mr. Philip Chen Chong Tan) Director Director Statement of Profit or Loss and Other Comprehensive Income (Unaudited) (Cont'd) For the nine month period ended 30 September 2026 Consolidated Separate Kiatnakin Phatra Bank Public Company Limited and Subsidiaries