Bangkok Bank Public Company (BBL) investor relations material

Executive summary

• 9M 2026 consolidated net profit was Baht 30,291,915 thousand, down from Baht 38,510,851 thousand in 9M 2025; Q3 net profit was nearly unchanged QoQ at Baht 9,598,829 thousand.

• At September 30, 2026, consolidated assets, customer loans and deposits were higher than at December 31, 2025.

Financial highlights

• 9M net interest income was Baht 84,784,903 thousand vs Baht 94,363,999 thousand YoY; net fees and service income was Baht 20,710,591 thousand vs Baht 20,219,082 thousand.

• 9M total operating income was Baht 121,810,225 thousand vs Baht 137,736,031 thousand YoY; operating expenses were Baht 58,717,647 thousand vs Baht 61,540,830 thousand.

• 9M expected credit loss was Baht 25,443,655 thousand vs Baht 29,549,077 thousand YoY; profit before tax was Baht 37,648,923 thousand vs Baht 46,646,124 thousand.

• 9M income tax expense was Baht 7,357,008 thousand vs Baht 8,135,273 thousand YoY; net profit was Baht 30,291,915 thousand vs Baht 38,510,851 thousand.

Key financial ratios and metrics

• Basic EPS was Baht 15.71 for 9M 2026 vs Baht 20.04 for 9M 2025; Q3 EPS was Baht 4.97 vs Baht 4.98 in Q2 2026.

• Q3 total comprehensive income was Baht 13,062,384 thousand vs Baht 16,944,882 thousand in Q2 2026.