Bangkok Bank Public Company (BBL) Q2 2025 earnings summary

Executive summary

• Interim consolidated financial statements for the six months ended June 30, 2025, were audited and present fairly in accordance with Thai Financial Reporting Standards and Bank of Thailand regulations.

• The review of the three-month period ended June 30, 2025, found no material misstatements.

Financial highlights

• Consolidated net profit for the six months ended June 30, 2025, was THB 24,618 million, up from THB 22,544 million year-over-year.

• Net interest income for the six months was THB 63,614 million, down from THB 66,556 million year-over-year.

• Total assets as of June 30, 2025, were THB 4,609,753 million, up from THB 4,551,379 million at year-end 2024.

• Non-performing loans (NPLs) ratio increased to 3.17% from 2.66% at year-end 2024.

• Allowance for expected credit loss increased to THB 306,839 million from THB 294,015 million at year-end 2024.

Outlook and guidance

• The bank maintained capital adequacy ratios well above regulatory requirements, with a total capital ratio of 21.97% as of June 30, 2025.

• The bank plans to redeem USD 750 million in Additional Tier 1 capital instruments in September 2025.