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Bangkok Bank Public Company
Bangkok Bank Public Company (BBL) investor relations material
Bangkok Bank Public Company Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Jan, 2026
Executive summary
Net profit for 2025 was Baht 46,007 million, up 1.8% year-over-year, driven by diversified revenue streams and prudent management amid a fragile Thai economy facing global and domestic headwinds.
Non-interest income rose, mainly from gains on financial instruments and investments, while net interest income and margin declined due to lower rates and slower loan growth.
Operational efficiency was maintained, with a cost to income ratio of 48.4% and continued focus on responsible lending and sustainability.
Financial highlights
Net profit for 2025: Baht 46,007 million, up 1.8% year-over-year.
Net interest income: Baht 123,630 million, down 7.7% year-over-year; net interest margin at 2.75%.
Non-interest income: Baht 54,868 million, up 30.9% year-over-year, driven by FVTPL and investment gains.
Operating expenses: Baht 86,363 million, up 2.3% year-over-year; cost to income ratio at 48.4%.
Expected credit losses: Baht 36,147 million, up from last year, reflecting a prudent approach.
Outlook and guidance
The Thai economy remains fragile, with risks from global slowdown, geopolitical tensions, and domestic structural issues.
Recovery in tourism is slower than expected, and household debt remains high, constraining domestic demand.
The bank continues to focus on operational efficiency, prudent risk management, and supporting sustainable growth.
Fee income growth drivers beyond Q4 seasonality
Impact of large corporate loan growth on NPLs
Moody's negative outlook impact on funding costs?
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All proposals passed, with no questions raised and results to be filed on Form 8-K.
Next Bangkok Bank Public Company earnings date
Q1 202621 Apr, 2026
Bangkok Bank Public Company
Next Bangkok Bank Public Company earnings date
Q1 202621 Apr, 2026
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