Interim report
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TMBThanachart Bank Public Company Limited and its Subsidiaries Statements of financial position (Unit: Thousand Baht) 30 September 31 December 30 September 31 December 2026 2025 2026 2025 Assets (Unreviewed) (Audited) (Unreviewed) (Audited) Cash 8,376,214 12,632,873 8,376,154 12,632,873 Interbank and money market items, net 182,425,733 181,399,168 184,111,454 182,825,865 Financial assets measured at fair value through profit or loss 32,008,011 22,943,043 30,574,243 22,218,143 Derivative assets 9,936,420 9,601,754 9,865,118 9,569,317 Investments, net 244,601,074 237,852,340 244,584,380 237,835,645 Investments in subsidiaries and associate, net 8,706,922 8,592,627 7,128,583 7,128,583 Loans to customers and accrued interest receivables, net 1,134,160,980 1,153,575,123 1,135,572,549 1,155,211,579 Properties for sale, net 14,778,565 16,288,753 11,947,989 13,225,856 Premises and equipment, net 14,067,023 15,185,810 14,007,559 15,110,329 Goodwill and other intangible assets, net 24,974,356 25,310,183 24,884,461 25,218,039 Deferred tax assets 4,721,707 3,474,175 5,079,560 3,889,457 Other assets, net 21,896,420 15,109,930 19,465,770 13,485,600 Total assets 1,700,653,425 1,701,965,779 1,695,597,820 1,698,351,286 Liabilities and equity Liabilities Deposits 1,281,652,833 1,269,508,518 1,282,062,506 1,269,797,267 Interbank and money market items 99,141,081 98,178,925 99,324,582 98,601,270 Liabilities payable on demand 3,686,410 2,973,268 3,686,410 2,973,268 Financial liabilities measured at fair value through profit or loss 17,359,563 13,728,980 17,359,563 13,728,980 Derivative liabilities 9,758,947 5,841,205 9,734,216 5,835,555 Debts issued and borrowings 15,585,597 15,126,298 15,044,202 15,046,535 Provisions for employee benefits 4,113,137 4,290,048 3,857,251 4,014,590 Provisions for other liabilities 3,826,080 3,418,753 3,828,279 3,420,576 Deferred tax liabilities 9,776 - - - Other liabilities 35,023,137 44,705,876 32,913,539 43,564,971 Total liabilities 1,470,156,561 1,457,771,871 1,467,810,548 1,456,983,012 Bank onlyConsolidated
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TMBThanachart Bank Public Company Limited and its Subsidiaries Statements of financial position (Unit: Thousand Baht) 30 September 31 December 30 September 31 December 2026 2025 2026 2025 Liabilities and equity (Unreviewed) (Audited) (Unreviewed) (Audited) Equity Share capital Authorised share capital 97,830,583,125 ordinary shares of Baht 0.95 each 92,939,054 92,939,054 92,939,054 92,939,054 Issued and paid-up share capital 97,571,340,379 ordinary shares of Baht 0.95 each 92,692,773 92,692,773 92,692,773 92,692,773 Premium on share capital 43,362,964 43,362,964 43,362,964 43,362,964 Other reserves 5,922,727 7,456,912 7,009,339 8,541,402 Retained earnings Appropriated Legal reserve 10,091,000 10,091,000 10,091,000 10,091,000 Treasury shares reserve 21,029,852 5,104,709 21,029,852 5,104,709 Unappropriated 78,252,444 90,590,259 74,631,196 86,680,135 Treasury shares (21,029,852) (5,104,709) (21,029,852) (5,104,709) Equity attributable to equity holders of the Bank 230,321,908 244,193,908 227,787,272 241,368,274 Non-controlling interest 174,956 - - - Total equity 230,496,864 244,193,908 227,787,272 241,368,274 Total liabilities and equity 1,700,653,425 1,701,965,779 1,695,597,820 1,698,351,286 Consolidated Bank only
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TMBThanachart Bank Public Company Limited and its Subsidiaries Statements of profit or loss and other comprehensive income (Unit: Thousand Baht) Consolidated 2026 2025 2026 2025 (Unreviewed) (Reviewed) (Unreviewed) (Reviewed) Interest income 16,880,587 17,718,215 16,731,270 17,618,302 Interest expenses 4,117,169 5,313,306 4,103,683 5,289,233 Net interest income 12,763,418 12,404,909 12,627,587 12,329,069 Fees and service income 3,852,853 3,529,738 3,394,666 3,175,929 Fees and service expenses 920,257 921,485 1,042,761 1,030,822 Net fees and service income 2,932,596 2,608,253 2,351,905 2,145,107 Gain on financial instruments measured at fair value through profit or loss, net 322,581 584,156 306,337 579,371 Gain on investments, net 5,926 - 5,734 - Share of profit from investment using equity method 94,122 72,175 - - Other operating income 667,716 643,654 1,036,371 1,015,493 Total operating income 16,786,359 16,313,147 16,327,934 16,069,040 Other operating expenses Employee expenses 4,292,223 4,040,204 3,942,663 3,741,685 Directors' remuneration 27,698 25,666 26,843 24,991 Premises and equipment expenses 754,725 830,067 738,410 803,763 Taxes and duties 417,734 429,156 411,386 424,079 Others 2,151,764 2,077,749 2,068,224 2,007,196 Total other operating expenses 7,644,144 7,402,842 7,187,526 7,001,714 Expected credit loss 4,078,015 3,979,839 4,078,438 4,243,058 Profit from operations before income tax 5,064,200 4,930,466 5,061,970 4,824,268 Tax income (392,712) (368,619) (443,691) (443,839) Profit for the period 5,456,912 5,299,085 5,505,661 5,268,107 Other comprehensive income Items that will be reclassified subsequently to profit or loss Gain (loss) on investments in debt instruments at fair value through other comprehensive income (948,566) 219,043 (947,089) 219,263 Gain on cash flow hedges 111,736 157,216 111,736 157,216 Income tax relating to items that will be reclassified subsequently to profit or loss 167,366 (75,252) 167,071 (75,296) (669,464) 301,007 (668,282) 301,183 Bank only Three-month period ended Three-month period ended 30 September 30 September
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TMBThanachart Bank Public Company Limited and its Subsidiaries Statements of profit or loss and other comprehensive income (Unit: Thousand Baht) Consolidated 2026 2025 2026 2025 (Unreviewed) (Reviewed) (Unreviewed) (Reviewed) Items that will not be reclassified subsequently to profit or loss Change in revaluation surplus on assets - (1,149) - (1,149) Gain (loss) on investments in equity instruments designated at fair value through other comprehensive income (393,154) 6,004,639 (393,154) 6,004,639 Actuarial gain (loss) on post-employment benefit plan 90,173 (78,594) 90,173 (78,594) Share of other comprehensive income (loss) of associate (equity method) (643) - - - Income tax relating to items that will not be reclassified subsequently to profit or loss 60,725 (1,184,979) 60,596 (1,184,979) (242,899) 4,739,917 (242,385) 4,739,917 Total other comprehensive income for the period, net of income tax (912,363) 5,040,924 (910,667) 5,041,100 Total comprehensive income for the period 4,544,549 10,340,009 4,594,994 10,309,207 Profit attributable to: Equity holders of the Bank 5,456,664 5,299,085 5,505,661 5,268,107 Non-controlling interest 248 - - - Profit for the period 5,456,912 5,299,085 5,505,661 5,268,107 Total comprehensive income attributable to: Equity holders of the Bank 4,544,301 10,340,009 4,594,994 10,309,207 Non-controlling interest 248 - - - Total comprehensive income for the period 4,544,549 10,340,009 4,594,994 10,309,207 Earnings per share Basic earnings per share (in Baht) 0.06 0.06 0.06 0.06 Diluted earnings per share (in Baht) 0.06 0.06 0.06 0.06 30 September 30 September Bank only Three-month period ended Three-month period ended
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TMBThanachart Bank Public Company Limited and its Subsidiaries Statements of profit or loss and other comprehensive income (Unit: Thousand Baht) Consolidated 2026 2025 2026 2025 (Unreviewed) (Reviewed) (Unreviewed) (Reviewed) Interest income 49,943,230 54,903,247 49,616,446 54,711,508 Interest expenses 12,764,449 16,537,784 12,742,761 16,468,314 Net interest income 37,178,781 38,365,463 36,873,685 38,243,194 Fees and service income 11,819,210 9,896,464 10,505,214 9,069,500 Fees and service expenses 2,878,101 2,688,417 3,244,038 3,016,118 Net fees and service income 8,941,109 7,208,047 7,261,176 6,053,382 Gain on financial instruments measured at fair value through profit or loss, net 2,264,012 1,887,271 2,232,495 1,882,486 Gain on investments, net 81,630 58,206 80,456 48,762 Share of profit from investment using equity method 250,052 196,874 - - Other operating income 2,146,296 1,531,706 3,156,142 2,729,162 Total operating income 50,861,880 49,247,567 49,603,954 48,956,986 Other operating expenses Employee expenses 12,841,789 11,695,317 11,856,817 11,029,577 Directors' remuneration 86,032 83,379 81,697 82,704 Premises and equipment expenses 2,325,356 2,425,887 2,255,705 2,373,874 Taxes and duties 1,230,120 1,288,470 1,210,362 1,276,094 Others 6,854,215 6,278,352 6,656,077 6,167,577 Total other operating expenses 23,337,512 21,771,405 22,060,658 20,929,826 Expected credit loss 12,112,587 12,854,029 11,939,443 13,333,631 Profit from operations before income tax 15,411,781 14,622,133 15,603,853 14,693,529 Tax income (722,596) (777,232) (826,065) (942,527) Profit for the period 16,134,377 15,399,365 16,429,918 15,636,056 Other comprehensive income Items that will be reclassified subsequently to profit or loss Gain (loss) on investments in debt instruments at fair value through other comprehensive income (1,393,944) 930,106 (1,390,888) 941,278 Gain on cash flow hedges 311,644 194,948 311,644 194,948 Income tax relating to items that will be reclassified subsequently to profit or loss 216,460 (225,011) 215,849 (227,245) (865,840) 900,043 (863,395) 908,981 Bank only Nine-month period ended Nine-month period ended 30 September 30 September
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TMBThanachart Bank Public Company Limited and its Subsidiaries Statements of profit or loss and other comprehensive income (Unit: Thousand Baht) Consolidated 2026 2025 2026 2025 (Unreviewed) (Reviewed) (Unreviewed) (Reviewed) Items that will not be reclassified subsequently to profit or loss Change in revaluation surplus on assets (10,626) (31,310) (10,626) (31,310) Gain (loss) on investments in equity instruments designated at fair value through other comprehensive income (353,394) 6,223,088 (353,394) 6,223,088 Actuarial gain (loss) on post-employment benefit plan 224,756 (331,577) 222,730 (331,577) Share of other comprehensive income of associate (equity method) 404 481 - - Income tax relating to items that will not be reclassified subsequently to profit or loss 27,772 (1,172,136) 28,258 (1,172,040) (111,088) 4,688,546 (113,032) 4,688,161 Total other comprehensive income for the period, net of income tax (976,928) 5,588,589 (976,427) 5,597,142 Total comprehensive income for the period 15,157,449 20,987,954 15,453,491 21,233,198 Profit attributable to: Equity holders of the Bank 16,139,421 15,399,365 16,429,918 15,636,056 Non-controlling interest (5,044) - - - Profit for the period 16,134,377 15,399,365 16,429,918 15,636,056 Total comprehensive income attributable to: Equity holders of the Bank 15,162,493 20,987,954 15,453,491 21,233,198 Non-controlling interest (5,044) - - - Total comprehensive income for the period 15,157,449 20,987,954 15,453,491 21,233,198 Earnings per share Basic earnings per share (in Baht) 0.18 0.16 0.18 0.16 Diluted earnings per share (in Baht) 0.18 0.16 0.18 0.16 Bank only Nine-month period ended Nine-month period ended 30 September 30 September