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According to the company’s official statement, Bangkok Bank and its subsidiaries reported a net profit of Baht 46,007 million (approximately £1,103 million) for 2025, an increase of 1.8 per cent from the previous year. Despite multiple uncertainties, the Bank achieved higher total operating income through effective asset management and diversified revenue sources. Net interest income declined, and net interest margin was 2.75 per cent, 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. In contrast, net fees and service income declined slightly due to lower transaction and mutual fund services.
The Bank remains committed to strengthening its operational efficiency to ensure readiness for future advancement, while emphasising appropriate cost management. As a result, the cost-to-income ratio remained broadly in line with the previous year at 48.4 per cent, 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, which decreased from the previous quarter. For the full year 2025, expected credit losses amounted to Baht 36,147 million.
A Solid Capital Position Built for Sustainable Growth
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 per cent from the end of last year. Meanwhile, loans to large corporate customers continued to grow. The non-performing loan-to-total loans ratio was manageable at 3.0 per cent. Under the Bank’s continuous, prudent management approach, the ratio of the allowance for expected credit losses to non-performing loans remained strong at 324.1 per cent.
As of December 31, 2025, the Bank’s deposits amounted to Baht 3,196,284 million, a level similar to the end of last year, with a loan-to-deposit ratio of 81.6 per cent. 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 per cent, 17.2 per cent, and 17.2 per cent, respectively, comfortably above the Bank of Thailand’s minimum capital requirements.
Healthy Financial Position Maintained Through Strategic Prudence
Amid an evolving global environment with multifaceted challenges from geopolitical tensions affecting international trade, shifts in environmental policies responding to intensifying climate change, and the rapid pace of technology and innovation, the Bank remains committed as a trusted partner and reliable close friend. The Bank provides tailored advice and supports customers across all segments, offering financial resources and insights that enable businesses to maintain competitiveness and build resilience in a dynamic environment.
In addition, the Bank facilitates international expansion by leveraging its extensive domestic and global networks. The Bank also supported government policies aimed at enabling Thailand’s transition toward a sustainable economy, including the “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 to access additional credit to contribute future economic growth. At the same time, the Bank places importance on prudent management, adherence to responsible lending guidelines, and a commitment to providing financial services that support social and environmental responsibility while fostering sustainable growth.
