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Krung Thai Bank Public Company Limited

Krung Thai Bank Public Company Limited

KTB-R.BK
Krung Thai Bank Public Company LimitedTH flagStock Exchange of Thailand
39.25
THB
-0.75
- -
548.56BMarket Cap
Krung Thai Bank Public Company Limited
KTB-R.BK
(Stock Exchange of Thailand)

Recent

price

39.25

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.66
6.63
6.87
6.53
7.52
8.15
8.71
8.56
8.33
8.9
8.55
8.23
8.91
10.62
11.33
11.19
11.15
Revenue per Share
1.26
1.52
1.99
2.47
2.37
2.04
2.31
1.61
2.04
2.1
1.2
1.54
2.41
2.62
3.3
3.45
3.51
Basic EPS, GAAP
1.98
0.61
4.8
-0.73
3.36
1.22
-0.85
0.12
1.24
10.76
-0.12
-1.43
-4.86
-1.06
9.38
13.7
13.4
Free Cash Flow per Basic Share
0.38
0.51
0.93
0.44
0.88
0.9
0.76
0.86
0.61
0.72
0.75
0.28
0.42
0.68
0.87
1.98
0.43
Dividend per Share
9.39
10.11
12.25
12.26
13.68
14.85
16.33
17.07
18.53
19.84
20.28
21.62
23.68
25.76
28.17
29.62
30.65
Book Value per Share
10.32
11.25
14.94
14.66
16.5
17.61
19.68
20.83
22.21
24.64
24.97
25.99
27
28.81
31.57
33.34
33.88
Tangible Book Value per Share
11,846
11,202
11,742
13,973
14,005
13,968
13,984
13,938
13,966
13,976
13,976
13,976
13,976
13,976
13,976
13,976
13,934
Basic Weighted Avg Shares
55,195
74,306
80,660
91,268
105,315
113,784
121,794
119,272
116,298
124,445
119,546
115,005
124,587
148,372
158,279
156,430
155,418
Sales/Revenue/Turnover
- -
- -
- -
45.7
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2,051
3,161
3,041
3,019
3,550
3,713
3,340
2,954
2,745
2,764
5,026
5,355
6,065
6,549
6,675
6,856
6,930
Depreciation Expense
14,913
17,027
23,366
34,513
33,191
28,494
32,304
22,440
28,491
29,284
16,732
21,588
33,698
36,616
46,153
48,229
48,952
Net Income, GAAP
27.07
25.33
25.56
18.67
17.41
15.95
17.38
16.6
18.06
18.37
18.6
19.57
19.61
19.72
18.81
19.78
18.99
Effective Tax Rate (%)
27.02
22.92
28.97
37.82
31.52
25.04
26.52
18.81
24.5
23.53
14
18.77
27.05
24.68
29.16
30.83
31.5
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
181,317
222,942
277,562
373,398
280,901
310,483
323,856
306,655
225,014
287,909
351,835
403,231
406,207
447,377
362,353
373,035
381,981
LT Debt
125,787
129,825
182,848
209,188
235,867
250,534
279,405
294,219
314,141
348,326
355,064
374,111
392,572
422,112
460,671
487,023
493,989
Total Equity
- -
- -
- -
5.9
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
13.57
15.17
18.17
21.9
18.29
14.28
14.83
9.63
11.47
10.93
5.97
7.37
10.64
10.6
12.25
11.94
11.76
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
404,552
369,661
378,687
LT Finance Leases
3,330
3,374
3,294
Preferred Equity and Hybrid Capital
28
28
28
Shares Outstanding
13,976
13,976
13,976
Market Capitalization
345,309
393,346
487,676

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
447,973
928,558
530,468
Accounts Receivable, Net
22,550
25,274
23,372
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
5,430
48,406
5,074
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.91%
6.53%
5.72%
Free Cash Flow
165.59%
70.44%
45.98%
Net Income, GAAP
9.41%
24.87%
4.5%
Sales/Revenue/Turnover
3.47%
5.83%
-1.17%
Total Cash Common Dividend
19.76%
41.31%
127.53%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
40,361
39,066
40,267
38,584
158,279
2025
39,378
39,010
41,129
36,912
156,430
2026
38,367
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.84
0.84
0.84
- -
3.3
2025
0.84
0.8
1.05
- -
3.45
2026
0.89
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.87
2025
- -
- -
- -
- -
1.98
2026
- -
- -
- -
- -
- -
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Business
Krung Thai Bank Public Company Limited (KTB-R.BK) operates as a major commercial bank in Thailand, providing a comprehensive range of banking and financial services to retail, corporate, and government customers. The bank offers deposit products including savings accounts, current accounts, fixed deposits, and certificates of deposit; lending services such as personal loans, mortgages, SME loans, corporate loans, and trade finance; credit cards, debit cards, and prepaid cards; payment and transfer services via mobile banking apps, internet banking, and ATMs; investment products like mutual funds, bonds, and wealth management advisory; insurance brokerage services; and digital financial solutions including QR payments, e-wallets, and API-based fintech integrations. It serves individual consumers, small and medium-sized enterprises, large corporations, and public sector entities across Thailand and select international markets, with a network of over 500 branches and extensive digital channels. Founded in 1966 and headquartered in Bangkok, Thailand, Krung Thai Bank is majority-owned by the Ministry of Finance and ranks among the largest banks in the country by assets and market capitalization. The bank operates primarily in the banking segment with additional forays into securities brokerage through its subsidiary Krung Thai Capital Group and asset management via Krung Thai Asset Management. Its geographic footprint focuses on Thailand but includes cross-border services in ASEAN countries through correspondent banking relationships and strategic initiatives. In recent developments, Krung Thai Bank launched the KTB Next mobile banking app enhancements in 2024, introducing AI-driven financial advisory tools and seamless integration with government digital ID systems for faster account onboarding. The bank formed a strategic partnership with PTT Oil and Retail Business in early 2025 to expand QR payment acceptance at over 10,000 PTTOR stations nationwide, boosting its digital payments market share. Additionally, it completed a 15 billion baht capital raise through a rights issue in late 2024 to fund SME digital lending expansion and acquired a minority stake in a leading Thai fintech firm focused on blockchain-based remittances in mid-2025.