Bangkok: Bangkok Bank’s net profit for the third quarter of 2025 reached 13.789 billion baht, marking an increase of more than 10% compared to the same period last year.
According to Thai News Agency, the bank’s net profit for the first nine months of 2025 was 38.247 billion baht, representing a 9.9% increase. Despite this growth, the Thai economy remains fragile due to pressures from both external and domestic factors.
In the third quarter of 2025, Thailand faced challenges from global economic uncertainty, US tariff measures, and internal structural constraints, impacting consumer confidence and private investment. Rapid changes in trade policies, environmental regulations due to climate change, and technological advancements are further contributing to the fragile economic outlook. Bangkok Bank is committed to supporting its customers through these challenges by providing advice, funding, and knowledge to maintain competitiveness. Their regionalization strategy aims to help businesses expand internationally and promote sustainable economic transformation in line with government policies.
Regarding operating results, Bangkok Bank and its subsidiaries reported a net profit increase attributed to asset management and revenue diversification amid challenging conditions. Net interest income was 94.364 billion baht with a net interest margin of 2.81 percent. Non-interest income rose due to gains on financial instruments and investments, although net fee and service income saw a slight decrease.
The bank has improved operational efficiency and managed expenses, reducing the operating expense-to-income ratio to 44.7 percent. Prudent provisioning led to decreased expected credit losses for the third quarter, totaling 29.549 billion baht for the first nine months of 2025.
Bangkok Bank maintains financial stability, liquidity, and capital, ensuring sustainable growth. As of September 2025, loans totaled 2,606,661 million baht, a 3.2 percent decrease from the previous year, with growth in loans to large corporate customers. The non-performing loans ratio was 3.3 percent, and the credit loss coverage ratio was 294.2 percent, reflecting a prudent approach.
The bank’s deposits at the end of September 2025 were 3,174,287 million baht, with a loan-to-deposit ratio of 82.1 percent. The total capital ratio, Tier 1 capital ratio, and Common Equity Tier 1 capital ratio stood at 22.6 percent, 18.0 percent, and 18.0 percent, respectively, surpassing the Bank of Thailand’s minimum capital requirements.