Bangkok Bank Public Company (BBL) Q3 2025 earnings summary

Executive summary

• Net profit for Q3 2025 was ฿13.89 billion, up from ฿12.58 billion in Q3 2024, and for the nine months ended September 30, 2025, net profit reached ฿38.51 billion, up from ฿35.13 billion year-over-year.

• Total assets as of September 30, 2025, stood at ฿4.54 trillion, nearly flat compared to December 31, 2024.

• Total comprehensive income for the nine months was ฿46.11 billion, up from ฿33.49 billion in the prior year period.

Financial highlights

• Net interest income for Q3 2025 was ฿30.75 billion, down from ฿33.37 billion in Q3 2024; for the nine months, it was ฿94.36 billion, down from ฿99.92 billion year-over-year.

• Net fees and service income for Q3 2025 was ฿6.55 billion, down from ฿6.93 billion in Q3 2024.

• Gains on investments and financial instruments contributed significantly to operating income in Q3 and the nine-month period.

• Total operating income for the nine months was ฿137.74 billion, up from ฿131.03 billion year-over-year.

• Basic earnings per share for the nine months was ฿20.04, up from ฿18.23 year-over-year.

Outlook and guidance

• Comprehensive income benefited from strong gains on investments and revaluation surplus, offset by losses on translation of foreign operations and fair value changes in equity instruments.