Bangkok Bank Public Company Limited (BBL) BBL demonstrated resilience against economic fluctuations by reporting a net profit of 46,007 million baht for 2025, a 1.8% increase from the previous year. This positive outcome was mainly due to asset management strategies that diversified income sources, helping to compensate for the decline in net interest income following interest rate trends and a slowdown in lending.
Bangkok Bank Public Company Limited (BBL) In its report to the Stock Exchange of Thailand, BBL stated that its net profit for 2025 was 46,007 million baht, representing a 1.8% growth from the previous year amid various uncertainties.
The bank's total operating income increased due to asset management and income source diversification, despite a decline in net interest income. The net interest margin stood at 2.75%, reflecting interest rate trends and slower loan growth.
Meanwhile, non-interest income rose from net gains on financial instruments measured at fair value through profit or loss and investment gains. However, net fees and service income slightly declined due to reduced banking transactions and mutual fund services.
The bank remains committed to enhancing operational capabilities to prepare for future growth, emphasizing prudent expense management. This resulted in an operating expense to income ratio close to last year's 48.4%, demonstrating efficient operation amid challenging economic conditions.
Furthermore, due to continuous cautious provisioning, the bank's expected credit losses in the fourth quarter of 2025 decreased from the previous quarter. For the full year 2025, expected credit losses totaled 36,147 million baht.
Bangkok Bank continues to conduct business with caution and prudence, maintaining financial stability, liquidity, and capital adequacy at appropriate levels to support stable and sustainable growth.
As of the end of December 2025, the bank's loans amounted to 2,608,286 million baht, down 3.2% from the previous year-end. Large corporate loans continued to grow. The ratio of impaired loans to total loans was 3.0%, a manageable level.
The ratio of allowance for expected credit losses to impaired loans remained strong at 324.1%, reflecting the bank's policy of continuous cautious and prudent provisioning.
At the end of December 2025, deposits totaled 3,196,284 million baht, nearly unchanged from the previous year-end. The loan-to-deposit ratio was 81.6%. The total capital adequacy ratio, Tier 1 capital ratio, and Tier 1 capital to risk-weighted assets ratio for the bank and its subsidiaries were 21.8%, 17.2%, and 17.2% respectively, all above the minimum requirements set by the Bank of Thailand.
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