CIMB Thai Bank Public Company Limited (SET: CIMBT) has announced its 2025 consolidated financial statement through the Stock Exchange of Thailand as follows:
| Year | 2025 | 2024 |
| Net Profit (Loss)
Million Baht |
2,257.32 | 2,852.12 |
| Earning Per Share (Baht) | 0.0600 | 0.0800 |
| % Change | -20.85 | |
For the year ended 31 December 2025, CIMB Thai Group recorded a consolidated net profit of THB 2,257.3 million, a year-on-year decrease of THB 594.8 million or 20.9%. This is mainly due to an 8.8% decline in operating income and a 34.3% increase in expected credit loss, offset by a 17.2% reduction in operating expenses.
On a YoY basis, CIMB Thai Group’s consolidated operating income decreased by THB 1,331.0 million or 8.8% from 2024 to THB 13,771.5 million from lower net interest income of THB 1,178.0 million or 12.4% YoY, largely from lower loan balances YoY and margin contraction during the year.
Net fee and service income decreased by THB 106.2 million or 7.4%, mainly due to lower insurance brokerage income. Other operating income decreased by THB 46.8 million or 1.1%, from lower gains on financial instruments measured at fair value through profit or loss, bad debt recovery, and gains on sale of non-performing loans, partially offset by higher gains on investment.
The gross NPL stood at THB 5.2 billion, with a lower equivalent gross NPL ratio of 2.2% compared to 2.6% as at 31 December 2024. The lower NPL ratio was mainly attributed to the sale of NPLs in 2025, improved efficiency in risk management policies, and improved asset quality management and loan collection processes.
