Bangkok Bank projects profit of 4.6 billion baht in 68, ready to support customers in navigating the fragile economic climate.

Bangkok Bank projects a net profit of 46,007 million baht in 2568, a 1.8% growth amidst the fragile Thai economy. The bank remains strong with high reserves of 324.1% and continues to assist its borrowers.

January 20, 2569 News report from Bangkok Bank It was revealed that in 2568, the Thai economy will face pressure from the slowdown of the global economy, geopolitical uncertainty, and domestic structural limitations. 

Although the export sector was boosted in the first half of the year by accelerated orders prior to the implementation of US tariffs, it slowed in the second half due to weaker global demand. The tourism sector continued to recover less than expected, particularly due to a decline in the number of Chinese tourists, impacting the service sector.

The economy has been unable to fully regain its potential as a primary driver of growth. Simultaneously, domestic demand remains weak, reflected in persistently negative inflation and high levels of household debt. Furthermore, external uncertainties are pressuring private sector investment decisions. Government economic stimulus measures have also been ineffective.

There are still constraints from the budget framework and public debt levels. Overall, the Thai economy in 2568 remains vulnerable and faces risks to its recovery prospects in the coming period.

Amidst a dynamic world fraught with numerous challenges, including geopolitical impacts on global trade and adjustments to environmental policies and regulations in response to increasingly severe climate change.

As well as the rapid advancements in technology and innovation.  Bangkok Bank is committed to providing appropriate advice and care to each customer group, standing alongside them as a trusted partner and friend, providing both financial resources and up-to-date knowledge to help customers adapt, maintain competitiveness, and build business resilience in a constantly changing environment.

This includes supporting opportunities for international business expansion through domestic and international networks, as well as promoting government policies to transition to a sustainable Thai economy, such as the "You Fight, We Help" project, which alleviates the debt burden of borrowers to enable long-term recovery, and the "Pay Off Debt Quickly, Move Forward" project, which supports retail borrowers in accessing additional credit to enhance future economic growth. 

Meanwhile, the bank continues to conduct its business cautiously, adhering to responsible and fair lending practices and committed to providing financial services that are responsible towards society, the environment, and sustainable growth.

Bangkok Bank reports 2568 net profit of 46,007 million baht

Bangkok Bank and its subsidiaries reported a net profit of 46,007 million baht for 2568, an increase of 1.8 percent from the previous year, amidst various uncertainties.  The bank's total operating income increased through asset management and diversification of income sources.

Net interest income decreased, and the net interest margin stood at 2.75 percent, in line with interest rate trends and the slowdown in lending.  While non-interest income increased from net profit, from financial instruments measured at fair value through profit or loss, and from investment gains.

Net fee and service income decreased slightly from banking transaction services and mutual fund services.  The bank remains committed to strengthening its operational capabilities to prepare for driving the organization into the future.

Furthermore, emphasis was placed on efficient cost management, resulting in an operating expense-to-income ratio close to the previous year's level of 48.4 percent, reflecting the ability to maintain operational efficiency amidst a challenging economic environment. 

In addition, due to the continuous precautionary provisioning,  The bank's expected credit losses in the fourth quarter of 2025 decreased from the previous quarter, and for the full year 2025, expected credit losses amounted to 36,147 million baht.

Bangkok Bank continues to conduct its business cautiously and prudently, while maintaining financial stability, liquidity, and capital at appropriate levels for stable and sustainable growth.

As of the end of December 2568, the bank had outstanding loans totaling 2,608,286 million baht, a decrease of 3.2 percent from the end of the previous year, with loans to large corporate clients continuing to grow.  The ratio of impaired loans to total loans is 3.0 percent.

These levels are manageable, and the credit loss allowance ratio to impaired loans remains strong at 324.1 percent, resulting from the bank's continued adherence to prudent and cautious provisioning principles.

The bank had deposits totaling 3,196,284 million baht at the end of December 2568, which was similar to the level at the end of the previous year, and a loan-to-deposit ratio of 81.6 percent. 

while the total capital adequacy ratio The Tier 1 capital adequacy ratio and the equity tier 1 capital adequacy ratio of the Bank and its subsidiaries were 21.8 percent, 17.2 percent, and 17.2 percent, respectively, which were at a higher level than the capital adequacy ratio. Minimum as specified by the Bank of Thailand

Read all news related to the banking industry here.