Interim report
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UNREVIEWED AND UNAUDITED 30 SEPTEMBER 2026 31 DECEMBER 2025 30 SEPTEMBER 2026 31 DECEMBER 2025 ASSETS Cash 806,205,926 826,387,189 70,000 70,000 Interbank and money market items - net 41,828,379,772 40,360,379,630 23,264,268 72,995,865 Financial assets measured at fair value through profit or loss 3,090,696,617 3,175,652,018 1,069,607,684 1,219,656,474 Derivatives assets 53,160 91,173,672 - - Investments - net 8,486,704,959 7,310,299,852 259,464,433 215,442,270 Investments in subsidiaries and joint venture - net 863,558,365 876,006,476 20,669,411,424 20,669,402,460 Loans to customers and accrued interest receivables Loans to customers 251,294,643,056 248,235,657,639 5,120,000,000 5,020,000,000 Accrued interest receivables and undue interest receivables 2,037,196,314 2,030,978,867 - - Total loans to customers and accrued interest receivables 253,331,839,370 250,266,636,506 5,120,000,000 5,020,000,000 Less: Deferred revenue (12,801,996,240) (12,456,169,259) - - Less: Allowance for expected credit loss (9,250,137,895) (9,243,697,762) (6,656,000) (6,526,000) Loans to customers and accrued interest receivables - net 231,279,705,235 228,566,769,485 5,113,344,000 5,013,474,000 Property foreclosed - net 1,546,423,522 1,274,437,756 - - Investment property 22,654,080 22,654,080 979,625,544 979,625,544 Premises and equipment - net 2,947,074,962 3,017,364,549 766,007,434 768,243,006 Right-of-use assets - net 996,238,647 957,954,521 8,255,281 9,473,603 Intangible assets - net 32,911,235 44,183,553 20,417,509 25,577,541 Deferred tax assets 673,441,929 734,176,668 - - Securities and derivatives business receivables 1,194,564,963 758,984,041 - - Dividend receivables from subsidiaries - - - 3,384,462,169 Other assets 2,662,919,860 2,685,729,221 332,440,000 323,373,870 TOTAL ASSETS 296,431,533,232 290,702,152,711 29,241,907,577 32,681,796,802 TISCO FINANCIAL GROUP PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY COMPANIES STATEMENT OF FINANCIAL POSITION AS AT 30 SEPTEMBER 2026 (Unit : Baht) CONSOLIDATED FINANCIAL STATEMENTS SEPARATE FINANCIAL STATEMENTS
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UNREVIEWED AND UNAUDITED TISCO FINANCIAL GROUP PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY COMPANIES STATEMENT OF FINANCIAL POSITION AS AT 30 SEPTEMBER 2026 30 SEPTEMBER 2026 31 DECEMBER 2025 30 SEPTEMBER 2026 31 DECEMBER 2025 LIABILITIES AND EQUITY Liabilities Deposits 215,772,497,880 211,323,307,777 - - Interbank and money market items - net 16,028,046,548 12,111,065,279 3,580,000,000 1,590,000,000 Liability payable on demand 336,596,617 222,900,910 - - Derivatives liabilities 16,689,776 - - - Debt issued and borrowings 8,718,768,383 10,538,768,383 5,800,000,000 7,620,000,000 Lease liabilities - net 935,984,901 903,274,048 8,615,859 9,777,004 Provisions 2,541,501,404 2,644,890,029 355,306,265 374,335,603 Deferred tax liabilities 16,628,541 23,783,117 16,628,541 23,783,117 Securities and derivatives business payables 847,979,185 525,359,561 - - Accrued interest payable 732,788,172 1,339,543,942 2,163,286 5,628,863 Other liabilities 7,813,403,103 7,692,364,415 1,301,543,870 1,041,636,057 Total liabilities 253,760,884,510 247,325,257,461 11,064,257,821 10,665,160,644 Equity Share capital Registered 9,859 preference shares of Baht 10 each 98,590 338,580 98,590 338,580 800,693,436 ordinary shares of Baht 10 each 8,006,934,360 8,006,694,370 8,006,934,360 8,006,694,370 8,007,032,950 8,007,032,950 8,007,032,950 8,007,032,950 Issued and fully paid-up 9,859 preference shares of Baht 10 each 98,590 98,590 98,590 98,590 800,645,624 ordinary shares of Baht 10 each 8,006,456,240 8,006,456,240 8,006,456,240 8,006,456,240 8,006,554,830 8,006,554,830 8,006,554,830 8,006,554,830 Share premium Share premium of preference shares - - 86,759 86,759 Share premium of ordinary shares 1,018,407,558 1,018,407,558 7,031,436,211 7,031,436,211 Other components of shareholders' equity 2,083,258,453 2,056,339,591 440,607,526 406,751,315 Retained earnings Appropriated - statutory reserve 801,000,000 801,000,000 801,000,000 801,000,000 Unappropriated 30,758,432,985 31,491,686,047 1,897,964,430 5,770,807,043 Equity attributable to owners of the Company 42,667,653,826 43,373,988,026 18,177,649,756 22,016,636,158 Non-controlling interest of the subsidiaries 2,994,896 2,907,224 - - Total equity 42,670,648,722 43,376,895,250 18,177,649,756 22,016,636,158 TOTAL LIABILITIES AND EQUITY 296,431,533,232 290,702,152,711 29,241,907,577 32,681,796,802 Group Chief Executive Chief Operating Officer (Unit : Baht) CONSOLIDATED FINANCIAL STATEMENTS SEPARATE FINANCIAL STATEMENTS Mr. Sakchai Peechapat Mr. Metha Pingsuthiwong
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UNREVIEWED AND UNAUDITED 2026 2025 2026 2025 Profit or loss: Interest income 4,518,424,526 4,619,643,676 24,648,520 30,125,778 Interest expenses (879,105,163) (1,191,614,220) (28,813,886) (40,377,882) Net interest income 3,639,319,363 3,428,029,456 (4,165,366) (10,252,104) Fees and service income 1,475,814,745 1,410,384,983 - - Fees and service expenses (110,672,853) (123,630,905) (6,570,911) (6,099,280) Net fees and service income 1,365,141,892 1,286,754,078 (6,570,911) (6,099,280) Gain on financial instruments measured at fair value through profit or loss 11,860,738 364,305,784 42,411,821 323,114,602 Net gain on investments 1,641,554 1,138,563 - - Share of profit from investments accounted for under equity method 10,168,758 8,729,147 - - Dividend income 47,781,468 40,499,064 4,335,829 4,024,285 Penalty fee income from loans 7,381,765 62,131,013 - - Intercompany supporting fee income - - 615,356,800 611,915,700 Other operating income 67,679,542 80,977,726 20,434,667 21,111,682 Total operating income 5,150,975,080 5,272,564,831 671,802,840 943,814,885 Operating expenses Employee's expenses 1,674,760,902 1,575,584,045 197,616,989 247,883,194 Directors' remuneration 7,296,820 7,810,000 7,296,820 7,810,000 Premises and equipment expenses 392,686,194 384,220,934 218,032,522 211,833,500 Taxes and duties 92,429,298 96,520,894 47,597 456 Other operating expenses 240,960,094 222,336,519 10,409,662 16,704,976 Total operating expenses 2,408,133,308 2,286,472,392 433,403,590 484,232,126 Expected credit loss (reversal) 496,187,492 830,478,895 (608,707) (664,539) Profit from operations before income tax expenses 2,246,654,280 2,155,613,544 239,007,957 460,247,298 Income tax expenses 441,848,344 425,310,002 48,186,920 92,445,078 Profit for the period 1,804,805,936 1,730,303,542 190,821,037 367,802,220 TISCO FINANCIAL GROUP PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY COMPANIES STATEMENT OF COMPREHENSIVE INCOME FOR THE THREE-MONTH PERIOD ENDED 30 SEPTEMBER 2026 (Unit : Baht) CONSOLIDATED FINANCIAL STATEMENTS SEPARATE FINANCIAL STATEMENTS
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UNREVIEWED AND UNAUDITED 2026 2025 2026 2025 Other comprehensive income: Other comprehensive income to be reclassified to profit or loss in subsequent period Loss on investments in debt instruments measured at fair value through other comprehensive income (9,139,721) (2,853,476) - - Share of other comprehensive income of joint venture: Cash flow hedges of joint venture 358,166 2,991,421 - - Income tax effects 1,827,944 570,696 - - Other comprehensive income to be reclassified to profit or loss in subsequent period - net of income tax (6,953,611) 708,641 - - Other comprehensive income not to be reclassified to profit or loss in subsequent period Actuarial gains or losses arising from post-employment benefit - (46,896) - - Income tax effects - 9,379 - - Other comprehensive income not to be reclassified to profit or loss in subsequent period - net of income tax - (37,517) - - Other comprehensive income for the period (6,953,611) 671,124 - - Total comprehensive income for the period 1,797,852,325 1,730,974,666 190,821,037 367,802,220 Profit attributable to: Equity holders of the Company 1,804,704,374 1,730,223,474 190,821,037 367,802,220 Non-controlling interests of the subsidiaries 101,562 80,068 1,804,805,936 1,730,303,542 Total comprehensive income attributable to: Equity holders of the Company 1,797,750,763 1,730,894,598 190,821,037 367,802,220 Non-controlling interests of the subsidiaries 101,562 80,068 1,797,852,325 1,730,974,666 Earnings per share of equity holders of the Company Basic earnings per share 2.25 2.16 0.24 0.46 Mr. Sakchai Peechapat Mr. Metha Pingsuthiwong Group Chief Executive Chief Operating Officer TISCO FINANCIAL GROUP PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY COMPANIES STATEMENT OF COMPREHENSIVE INCOME FOR THE THREE-MONTH PERIOD ENDED 30 SEPTEMBER 2026 (Unit : Baht) CONSOLIDATED FINANCIAL STATEMENTS SEPARATE FINANCIAL STATEMENTS
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UNREVIEWED AND UNAUDITED 2026 2025 2026 2025 Profit or loss: Interest income 13,393,100,016 13,793,692,283 81,307,641 110,785,102 Interest expenses (2,787,143,277) (3,708,732,358) (83,140,079) (122,675,170) Net interest income 10,605,956,739 10,084,959,925 (1,832,438) (11,890,068) Fees and service income 4,538,390,460 4,004,169,414 - - Fees and service expenses (359,033,090) (350,735,114) (13,504,020) (12,749,014) Net fees and service income 4,179,357,370 3,653,434,300 (13,504,020) (12,749,014) Gain on financial instruments measured at fair value through profit or loss 74,693,646 538,733,169 20,648,346 423,525,228 Net gain (loss) on investments 5,961,960 4,986,183 - (260) Share of profit from investments accounted for under equity method 28,059,879 26,387,830 - - Dividend income 150,794,950 103,318,022 1,829,864,833 1,972,840,669 Penalty fee income from loans 91,014,100 117,428,972 - - Intercompany supporting fee income - - 1,844,310,000 1,834,187,700 Other operating income 259,486,263 217,199,107 64,349,544 65,559,728 Total operating income 15,395,324,907 14,746,447,508 3,743,836,265 4,271,473,983 Operating expenses Employee's expenses 4,784,955,066 4,570,878,260 611,763,711 692,066,529 Directors' remuneration 21,243,820 20,797,000 21,243,820 20,797,000 Premises and equipment expenses 1,171,600,337 1,160,141,567 637,456,715 623,644,636 Taxes and duties 282,113,145 296,035,935 2,499,855 2,441,467 Other operating expenses 716,992,714 670,356,459 40,069,440 46,840,618 Total operating expenses 6,976,905,082 6,718,209,221 1,313,033,541 1,385,790,250 Expected credit loss 1,822,097,720 1,774,976,517 100,760 9,353,287 Profit from operations before income tax expenses 6,596,322,105 6,253,261,770 2,430,701,964 2,876,330,446 Income tax expenses 1,293,839,974 1,235,856,698 123,250,412 184,364,526 Profit for the period 5,302,482,131 5,017,405,072 2,307,451,552 2,691,965,920 TISCO FINANCIAL GROUP PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY COMPANIES STATEMENT OF COMPREHENSIVE INCOME FOR THE NINE-MONTH PERIOD ENDED 30 SEPTEMBER 2026 (Unit : Baht) CONSOLIDATED FINANCIAL STATEMENTS SEPARATE FINANCIAL STATEMENTS
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UNREVIEWED AND UNAUDITED 2026 2025 2026 2025 Other comprehensive income: Other comprehensive income to be reclassified to profit or loss in subsequent period Gain on investments in debt instruments measured at fair value through other comprehensive income 40,554,971 46,198,542 44,022,163 37,877,408 Share of other comprehensive income of joint venture: Cash flow hedges of joint venture (654,081) 2,435,302 - - Income tax effects (8,110,994) (9,239,708) (8,804,432) (7,575,482) Other comprehensive income to be reclassified to profit or loss in subsequent period - net of income tax 31,789,896 39,394,136 35,217,731 30,301,926 Other comprehensive income not to be reclassified to profit or loss in subsequent period Actuarial gains or losses arising from post-employment benefit 204,353,542 (172,218,209) 28,812,353 (15,927,103) Income tax effects (40,828,058) 34,686,132 (5,762,471) 3,185,421 Other comprehensive income not to be reclassified to profit or loss in subsequent period - net of income tax 163,525,484 (137,532,077) 23,049,882 (12,741,682) Other comprehensive income for the period 195,315,380 (98,137,941) 58,267,613 17,560,244 Total comprehensive income for the period 5,497,797,511 4,919,267,131 2,365,719,165 2,709,526,164 Profit attributable to: Equity holders of the Company 5,302,178,467 5,017,119,466 2,307,451,552 2,691,965,920 Non-controlling interests of the subsidiaries 303,664 285,606 5,302,482,131 5,017,405,072 Total comprehensive income attributable to: Equity holders of the Company 5,497,493,847 4,918,981,525 2,365,719,165 2,709,526,164 Non-controlling interests of the subsidiaries 303,664 285,606 5,497,797,511 4,919,267,131 Earnings per share of equity holders of the Company Basic earnings per share 6.62 6.27 2.88 3.36 Mr. Sakchai Peechapat Mr. Metha Pingsuthiwong Group Chief Executive Chief Operating Officer TISCO FINANCIAL GROUP PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY COMPANIES STATEMENT OF COMPREHENSIVE INCOME FOR THE NINE-MONTH PERIOD ENDED 30 SEPTEMBER 2026 (Unit : Baht) CONSOLIDATED FINANCIAL STATEMENTS SEPARATE FINANCIAL STATEMENTS