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# Thailand's Bangkok Bank reports H1 2026 net profit of THB 20.5 billion, down 16.2% year on year
- URL: https://www.theglobalbanker.com/bangkok-bank-h1-2026-net-profit-20-5-billion-down-16/
- Published: 2026-07-21T15:00:00.000Z
- Updated: 2026-10-02T00:49:15.000Z
- Description: Bangkok Bank's first-half 2026 net profit fell 16.2% year on year to THB 20,492 million, with the second-quarter figure at roughly THB 9.5 billion, down 20% year on year.
- Author: TGB Editorial Team
- Tags: Banking News, Asia-Pacific

Bangkok Bank reported a first-half 2026 net profit of THB 20,492 million, a decline of 16.2% from the same period a year earlier, according to the group's interim results filed on Tuesday.

The second-quarter figure came in at approximately THB 9.5 billion, down about 20% year on year and 14% lower than the first quarter of the year.

#### OPERATING COSTS WEIGH ON QUARTER

Operating expenses rose about 9% from the first quarter. 

For the first half, net interest income fell 12.4% after the bank lowered its interest rates, bringing the net interest margin to 2.46%, while net fee and service income improved on bancassurance, mutual fund and securities fees.

First-half operating expenses fell 6.5% year on year, bringing the cost-to-income ratio to 47.1%, and expected credit losses of THB 17,435 million were lower than a year earlier. Loans rose 2.7% from the end of 2025 to THB 2,678,467 million, the impaired-loan ratio was 3.3% and deposits rose 0.5% to THB 3,212,308 million.

#### CAPITAL

The total capital ratio was 21.4%, and the Tier 1 and common equity Tier 1 ratios were both 16.9%, above Bank of Thailand minimum requirements.