Bangkok Bank Public Company (BBL) investor relations material

Executive summary

• Interim consolidated financial statements for the six months ended June 30, 2026, were audited and present fairly in accordance with Thai Financial Reporting Standards and Bank of Thailand regulations.

• Key audit matter focused on allowance for expected credit loss (ECL) for loans, requiring significant management judgment and complex modeling under TFRS 9.

• Management and governance responsibilities emphasized internal controls, going concern assessment, and compliance with regulatory requirements.

Financial highlights

• Net profit for the six months ended June 30, 2026, was Baht 20,693 million, down from Baht 24,618 million year-over-year.

• Total operating income for the period was Baht 81,136 million, compared to Baht 90,074 million in the prior year.

• Net interest income for the period was Baht 55,744 million, down from Baht 63,614 million year-over-year.

• Expected credit loss for the period was Baht 17,435 million, compared to Baht 19,808 million year-over-year.

• Basic earnings per share for the six months was Baht 10.74, compared to Baht 12.81 in the prior year.

Outlook and guidance

• The bank continues to comply with all capital adequacy requirements and is assessing the impact of upcoming TFRS 18 standards effective 2028.

• Management regularly reviews ECL models and provisions in light of actual loss experience and macroeconomic trends.