Amid economic challenges both domestically and internationally, Krungthai Bank Public Company Limited (KTB), continues to sustain growth across all dimensions, announcing a net profit of 48.229 billion baht in 2025, up 4.5% from the previous year.
This growth stems from continued expansion in housing and government loans, alongside support from the Wealth business, which helped drive fee income amid a declining interest rate trend.
Krungthai Bank Public Company Limited (KTB) reported to the Stock Exchange of Thailand that its 2025 performance compared to 2024 showed sustainable, quality growth aligned with its strategy despite economic challenges both locally and globally.
The bank recorded a net profit attributable to shareholders of 48.229 billion baht, a 4.5% increase, reflecting operational efficiency and productivity across all areas, along with prudent credit portfolio and business mix management balancing risk and return.
As a result, total loans expanded by 0.5%, driven by housing and government loans amid intense competition and repayments from large business loans.
Additionally, growth in the Wealth business supported a 3.0% increase in fee income, along with expansion in money and capital markets businesses and investment gains.
Meanwhile, net interest income declined due to the interest rate environment and proactive debt restructuring to support customers, focusing on sustainable debt resolution.
The bank managed expenses efficiently, reducing the Cost to Income Ratio to 40.3% from 42.6%, while continuing investments in technology and digital capabilities to enhance competitiveness and support long-term growth.
Asset quality remained strong, with the NPL Ratio falling to 2.90% from 2.99% at the end of 2024, and a credit cost at a suitable level of 1.14%, reflecting asset quality. The bank maintained a high Coverage Ratio of 203.6% to prepare for potential uncertainties amid global geopolitical, economic, and trade conflicts.
For Q4 2025, net profit was 10.773 billion baht, down 2% compared to Q4 2024. Interest income fell due to market conditions and interest rate cuts to assist customers, with a focus on Wealth Management, growth in money and capital markets, and recoveries from bad debts.
Efficient expense management led to a Cost to Income Ratio of 41.1%, down from 44.8%, while asset quality remained well-managed with appropriate provisioning and a reduced NPL Ratio.
Compared to Q3 2025, net profit decreased mainly due to lower income from money and capital markets and investment income following bond market conditions. The bank continued its strategic management, with loans growing 4.6%, focusing on Wealth Management and recoveries from bad debts.
The financial business group maintains a strong capital position, with Tier 1 capital at 20.18% and total capital at 22.13% of risk-weighted assets, exceeding the Bank of Thailand’s regulatory requirements.
The bank maintained a return on equity (ROE) of 10.67% and declared an interim dividend from its first-half 2025 results, reflecting business strength and potential to deliver stable returns to shareholders.
Meanwhile, S&P Global Ratings upgraded the bank’s international credit rating, and Fitch Ratings raised its financial strength rating. The bank also achieved a historic milestone by winning 100 awards from leading domestic and international platforms, including 25 for innovation and digital banking at the global level.
This reflects the bank’s commitment to continuous investment and advancement in financial technology to enhance customer experience and meet diverse client needs comprehensively, strengthening capabilities for sustainable future growth and reaffirming its excellence and leadership role.
In its 60th anniversary year in 2026, Krungthai Bank is driving innovation under the concept “Every Step Creates Value for the Future” to address multifaceted challenges by developing future skills and accelerating responsible use of technology, data, and AI to improve operational efficiency and deliver value to customers and stakeholders.
The bank is also accelerating five key strategic initiatives to boost competitiveness and sustainable growth, advancing its Virtual Bank business and expanding into “Beyond Banking” to elevate customer experience and reduce barriers to formal financial access.
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