Link: https://links.sgx.com/1.0.0/corporate-announcements/96P03FJJCLNXOMT3/c39e372b7e7f877f390c87b7098a32deead0d0bb9edfa283ea0f755c9d917fb3

Summary:

• Net profit (9M2025): THB 38.5 billion, up from THB 35.1 billion in 9M2024. Q3 net profit was THB 13.9 billion (Q3 2024: THB 12.6 billion).

• Operating profit before tax (9M2025): THB 46.65 billion. Income tax expense was THB 8.14 billion.

• Total comprehensive income (9M2025): THB 46.1 billion (up from THB 33.5 billion in 9M2024), as other comprehensive income rose on gains from investments and fair value adjustments.

• Earnings per share (9M2025): THB 20.04 (vs THB 18.23 last year). Q3 EPS was THB 7.22.

• Net interest income (9M2025): THB 94.36 billion, down slightly from THB 99.92 billion, reflecting lower market interest rates.

• Net fees and service income (9M2025): THB 20.22 billion (slightly lower year-on-year).

• Credit costs: Expected credit loss expense (9M2025) down to THB 29.5 billion from THB 27.2 billion in 2024.

• Loans to customers: THB 2.32 trillion (down from THB 2.43 trillion at Dec 2024); net NPL ratio at 0.77% (up from 0.64%), indicating moderate asset quality deterioration but stable within industry benchmarks.

• Deposits: THB 3.17 trillion; total assets THB 4.54 trillion.

• Capital ratios: Consolidated CET1 ratio is 18.01%, Total capital ratio 22.6%—well above regulatory minimums.

• Dividend: Paid out (THB 16.22B in 2025, including interim and final), not restated for Q3.

• Balance sheet: Shareholder equity THB 586.3 billion, book value per share up to THB 307/share.

• Outlook: Group highlights prudent provisioning, strong capital base, steady income, disciplined cost control, and active balance sheet management in a variable operating environment.

BBL remains one of the strongest banks in Thailand for capital, scale, and operational resilience.