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Kasikornbank Public Company
Kasikornbank Public Company (KBANK) investor relations material
Kasikornbank Public Company Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Maintained resilient performance amid macroeconomic headwinds, focusing on disciplined execution of strategic priorities and prudent risk management.
Net profit for 2025 was Baht 49,565 million, nearly unchanged from 2024, with Q4/25 net profit at Baht 10,278 million, down 20.98% from Q3/25 due to lower net interest income and higher seasonal expenses.
Operating profit before expected credit loss and tax for 2025 was Baht 109,951 million, down 3.55% year-over-year, mainly from lower net interest income.
Continued leadership in digital banking, wealth management, and customer satisfaction, with recognition in sustainability indices.
Non-interest income rose 14.75% year-over-year, driven by insurance service results, wealth management fees, and investment gains.
Financial highlights
Total assets at Baht 4,559bn, loans at Baht 2,477bn, and deposits at Baht 2,850bn as of end-2025.
Net interest income for 2025 was Baht 137,152 million, down 7.33% year-over-year, reflecting lower lending rates and slower loan growth.
Net interest margin (NIM) declined to 3.23% in 2025, reflecting lower interest rates and focus on asset quality.
Non-interest income reached Baht 57,648 million, up 14.75% year-over-year, with net fees and service income up 5.85% and insurance service result up 17.59%.
Cost to income ratio increased to 43.56% due to lower income and one-time employee expenses.
Outlook and guidance
Double-digit ROE target maintained, with timing dependent on macroeconomic recovery.
CET1 ratio target raised to ≥15% in the medium term to strengthen capital buffers.
Dividend payout policy of ≥50%, aiming for 50-60% in the medium term, with potential for special dividends or share buybacks.
Loan growth guidance for 2025 set at 3.3-3.5%, with a focus on selective, quality expansion.
The bank will continue prudent operations, focus on productivity, and support government initiatives amid high volatility.
NIM outlook given 2026 economic deceleration?
Sustainability of non-interest income growth?
Loan portfolio strategy amid rising credit risk?
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All proposals passed, with no questions raised and results to be filed on Form 8-K.
Next Kasikornbank Public Company earnings date
Q1 202621 Apr, 2026
Kasikornbank Public Company
Next Kasikornbank Public Company earnings date
Q1 202621 Apr, 2026
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