Bangkok Bank’s net profit up 1.8% to $1.47b in 2025

For the full year, expected credit losses amounted to $1.16b.

Bangkok Bank saw its net profit rise by 1.8% year-on-year (YoY) to $1.47b (THB46b) in 2025, its financial statement showed.

Total operating income rose through “effective management and diversification of revenue sources,” Thailand’s largest bank by asset-size said in an online statement published on 20 January 2026.

Loans to corporate customers continued to grow, it added.

The bank’s deposits were at a similar level as in end-2024, at $102.55b (THB3.2t). Loan-to-deposit ratio is 81.6%.

The non-performing loans (NPL) ratio was 3%, a “manageable level”, Bangkok Bank said. Its common equity tier 1 (CET1) ratio is at 17.2%, above minimum capital requirements.

For the full year 2025, expected credit losses amounted to $1.16b (THB36.14b).

Bangkok Bank said that the Thai economy faced several pressures in 2025, from a global economic slowdown, geopolitical uncertainties, and domestic structural challenges.

The export sector benefitted in the first six months of 2025 due to front-loaded orders ahead of the US tariff effective date, but overall export growth decelerated in the second half of the year due to softer global demand, it added.

Thailand also observed a decline in the number of Chinese tourists.

“Overall, Thailand’s economy in 2025 remains fragile and continues to face risks to its recovery in the period ahead,” Bangkok Bank wrote.

(US$1 = THB31.2; as of 23 January 2026, Morningstar via Google)