Bangkok Bank reports a net profit of Baht 46,007 million for 2025
In 2025, the Thai economy faced pressures from the global economic slowdown, geopolitical uncertainties, and domestic structural challenges. Although the export sector benefited in the first half of the year from front-loaded orders ahead of the U.S. tariff effective date, export growth decelerated in the second half in line with softer global demand.
The tourism sector is recovering, albeit at a slower pace than anticipated, mainly due to the decline in the number of Chinese tourists. As a result, the service sector has not been able to fully regain its role as a key driver of economic growth. At the same time, domestic demand remained weak, as reflected by persistently negative headline inflation and the elevated household debt levels, alongside external uncertainties that continued to dampen private sector investment sentiment. Government economic stimulus measures remain constrained by the fiscal budget framework and public debt levels. Overall, Thailand’s economy in 2025 remains fragile and continues to face risks to its recovery in the period ahead.
Amid an evolving global environment with multifaceted challenges from geopolitical tensions affecting global trade, shifts in environmental policies responding to intensifying climate change, and the rapid pace of technology and innovation, Bangkok Bank remains committed as a trusted partner and reliable close friend. The Bank provides tailored advice and supporting customers in each segment, offering financial resources and insights that enable businesses to maintain competitiveness and build resilience in a dynamic environment. In addition, the Bank facilitates opportunities for international expansion by leveraging its extensive domestic and international network. The Bank also supported government policies aimed at enabling Thailand’s transition toward a sustainable economy, including “You Fight, We Help” measure to alleviate debt burdens and foster long-term financial recovery, and the “Pid Nee Wai, Pai Tor Dai” (Clear Debt, Move Forward) measure to enable retail borrowers access additional credit to contribute future economic growth. 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 reports a net profit of Baht 46,007 million for 2025
Bangkok Bank and its subsidiaries reported a net profit of Baht 46,007 million for 2025, an increase of 1.8 percent from the previous year. Despite multiple uncertainties, the Bank had higher total operating income through effective asset management and diversification of revenue sources. Net interest income declined and net interest margin was 2.75 percent, in line with interest rate trends and a slowdown in loan growth. Meanwhile, non‑interest income increased, mainly from gains on financial instruments measured at Fair Value Through Profit or Loss (FVTPL) and gains on investments, while net fees and service income slightly declined due to lower transaction services and mutual fund services. The Bank remains committed to strengthening its operational efficiency to ensure readiness for future advancement, while placing emphasis on appropriate cost management. As a result, the cost to income ratio remained broadly in line with the previous year at 48.4 percent, reflecting the Bank’s ability to maintain operational efficiency amid challenging economic conditions. In addition, with its continued prudent approach, the Bank set aside expected credit loss for the fourth quarter of 2025 decreased
from the previous quarter. For the full year 2025, expected credit losses amounted to Baht 36,147 million.
Bangkok Bank continues to operate with 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 December 2025, the Bank’s total loans amounted to Baht 2,608,286 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 3.0 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 324.1 percent.
As of December 31, 2025, the Bank’s deposits amounted to Baht 3,196,284 million, a similar level to the end of last year, with the loan to deposit ratio of 81.6 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 21.8 percent, 17.2 percent and 17.2 percent, respectively, comfortably above the Bank of Thailand’s minimum capital requirements.
