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Bangkok Bank Public Company (BBL) investor relations material
Bangkok Bank Public Company Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.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.
- Six-month net profit increased to Baht 22,544 million, with robust capital and new debt issuance.BBL
Q2 2024 - 2024 net profit rose, capital ratios remained strong, and credit quality was stable.BBL
Q4 2024 - Net profit grew to ฿35,127 million, with robust capital ratios and higher NPLs at 3.42%.BBL
Q3 2024 - Net profit increased to THB 24.6 billion, with NPL ratio rising to 3.17% and strong capital adequacy.BBL
Q2 2025 - Q1 2025 net profit increased to Baht 12,703 million, with strong capital and higher NPLs.BBL
Q1 2025 - Net profit and capital ratios improved, supported by strong risk management and capital actions.BBL
Q4 2025 - Net profit for the six months was Baht 20,693 million, with robust capital ratios maintained.BBL
Q2 2026 - Q1 2026 net profit increased sequentially, but comprehensive income fell due to investment losses.BBL
Q1 2026 - Q3 2025 net profit rose to ฿13.89B, with equity up to ฿586.28B by September 30, 2025.BBL
Q3 2025
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