Chartsiri Sophonpanich, President of Bangkok Bank Public Company Limited (SET: BBL), revealed that the bank is maintaining its 2025 overall loan growth target at 3–4%, despite loan issuance contracted in the first nine months. The bank remains on course in line with its plan, with the final quarter backed by several government economic stimulus measures and improvements in the export sector’s adaptation to negative factors.
BBL continues to focus on stringent risk control and stable debt quality management to ensure non-performing loans (NPL) remain manageable through proactive customer engagement. Loan-loss provisioning is aligned with forecasts for Thailand’s economy in each period.
Comprehensive credit management is crucial to achieving sustainable performance growth. BBL has closely monitored the economic situation and adapted strategies accordingly, in credit, risk management, and provisioning, in order to cope with uncertainty and maintain loan quality in line with this year’s economic conditions, said Chartsiri.
He added that the policy interest rate trend is now downward, intended to support the Thai economy, leading to banking sector interest income reflecting market mechanisms. He acknowledged the impact on net interest margin (NIM), prompting the bank to adapt by expanding its customer base and increasing non-interest income through other financial transactions. At the same time, BBL’s overseas businesses remain a key revenue source.
The bank continues to focus on comprehensive management of both domestic and international business portfolios to build stable income streams and cushion against future economic uncertainties.
At the end of September 2025, BBL’s loan-to-deposit ratio stood at 82.1%. The bank’s total capital adequacy ratio, Tier 1 capital ratio, and common equity Tier 1 capital ratio for the bank and its subsidiaries were 22.6%, 18.0%, and 18.0% respectively—well above the Bank of Thailand’s minimum regulatory requirement. The allowance coverage ratio for credit-impaired loans remained robust at 294.2%, reflecting the bank’s continued prudent and cautious approach to provisioning.
