Bangkok Bank reported a second-quarter 2026 net profit of 9.498 billion baht, down 19.8% from the same period last year and down 13.6% from the previous quarter. The main reasons were lower net interest income following the bank's interest rate cuts, and lower non-interest income from investment gains. Operating expenses rose due to development and efficiency improvements, but the bank set aside lower credit loss provisions under a prudent approach. For the first six months of 2026, net profit was 20.492 billion baht, down 16.2% from the same period last year. Net interest income fell 12.4%, bringing the net interest margin to 2.46%. However, loans expanded 2.7% from the end of last year to 2.678 trillion baht, supported by loans to large corporate customers and international business customers. The ratio of credit loss allowances to non-performing loans stood at a strong 306.3%, and the total capital adequacy ratio was 21.4%, well above the Bank of Thailand's minimum requirement.
Bangkok Bank PCLNet profit dropped 19.8% YoY due to lower net interest income and non-interest income.