In the third quarter of 2025, the Thai economy slowed in tandem with exports, which expanded at a slower pace, reflecting the deceleration of front-loaded orders from trading partners. Meanwhile, the services sector, a key driver of economic growth, continued to face headwinds from lower-than-expected tourist arrivals, particularly due to a decline in visitors from China. Headline inflation remained negative for the fifth consecutive month, reflecting persistent weakness in domestic demand. Concurrently, the government’s ability to implement fiscal stimulus was constrained by limited budgetary space and elevated levels of public debt, thereby reducing its capacity to support and drive economic growth. Overall, the economy faced headwinds from both external and domestic fronts. Global economic uncertainty, U.S. tariff measures, and structural constraints continued to undermine consumer confidence and private investment, resulting the near-term economic outlook fragile.
Amid increasing challenges in business operations and rapid developments driven by trade policies of major economies, interconnectedness of trade and supply chains, changes in environmental policies and regulations in response to intensifying climate change, along with the rapid advancement of technology and innovation, all reflect the dynamics that compel organizations of all sizes to adapt in order to survive and succeed in this evolving context. Bangkok Bank remains committed to providing tailored advice and support to each customer segment, standing alongside them as a “trusted partner and reliable close friend”, offering both financial resources and knowledge needed to navigate changes effectively to stay competitiveness. Furthermore, the Bank leverages its regionalization strategy to support businesses to seek growth opportunities by expanding internationally. The Bank also aligns with government policies aimed at enabling Thailand’s transition to a sustainable economy, including “You Fight, We Help” measure to alleviate debt burdens and foster long-term financial recovery. At the same time, the Bank places importance on prudent management, together with adhering to responsible lending guidelines and committing to providing financial services that support social and environmental responsibility, while fostering sustainable growth.
Bangkok Bank reported a net profit of Baht 38,247 million for the nine months of 2025
Bangkok Bank and its subsidiaries reported a net profit for the nine months of 2025 of Baht 38,247 million, an increase of 9.9 percent compared to the same period last year, driven by effective asset management and a diversified revenue base amid multifaceted economic challenges. Net interest income amounted to Baht 94,364 million, with a net interest margin of 2.81 percent, in line with interest rate trends. Non-interest income increased due to gains on financial instruments measured at Fair Value Through Profit or Loss (FVTPL), and gains on investments. Meanwhile, net fees and service income slightly declined from transaction service and mutual fund service. The Bank has continuously improved its operational efficiency, while placing emphasis on appropriate cost management. As a result, the cost-to-income ratio declined to 44.7 percent. Moreover, with its continued prudent approach, the Bank set aside expected credit losses for the third quarter of 2025 at a lower level than the previous quarter, leading to expected credit losses for the nine months of 2025 amounting to Baht 29,549 million.
Bangkok Bank continues to operate under its prudent management approach and retains financial, liquidity and capital positions at healthy and appropriate levels to deliver strong and sustainable growth At the end of September 2025, the Bank’s loans amounted to Baht 2,606,661 million, a decrease of 3.2 percent from the end of last year. Meanwhile loans to large corporate customers continued to grow. The non-performing loan to total loans ratio was at a manageable level of 3.3 percent. Under the Bank’s continuous prudent management approach, the ratio of the allowance for expected credit losses to non-performing loan remained strong at 294.2 percent.
As of September 30, 2025, the Bank’s deposits amounted to Baht 3,174,287 million, a similar level to the end of last year, with the loan to deposit ratio of 82.1 percent. The total capital adequacy ratio, Tier 1 capital adequacy ratio, and Common Equity Tier 1 capital adequacy ratio of the Bank and its subsidiaries stood at 22.6 percent, 18.0 percent and 18.0 percent, respectively, comfortably above the Bank of Thailand’s minimum capital requirements.
Symbol: BBL