Nation Thailand
Thai Banks' Q3 Profits Diverge Amid Margin Squeeze as Fee Income Offsets
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Six lenders offset weaker interest income with wealth and insurance fees and tight cost control, while bolstering reserves against flood risks.
Key facts
- Thailand's six listed banks reported mixed third-quarter results this week
- Thai railway sues CP-led firm over THB13.3bn Airport Rail Link debt
- Loans rose 3.2 per cent from the end of 2025 to 2.69 trillion baht on large corporate and international lending.
- Arak Sutivong takes over as chief executive on 1 January 2027.
- He expects a gradual recovery supported by private investment and technology exports and forecasts Thai GDP growth of 2.1 per cent for 2026.
- The bad-loan ratio fell to 2.88 per cent and coverage rose to 159 per cent from 152 per cent at the end of 2025
Summary
Thailand's six listed banks reported mixed third-quarter results this week. Falling interest rates squeezed lending income, and the lenders relied on fee income, cost discipline and prudent provisioning to protect earnings.
Combined nine-month net profit across Bangkok Bank , Kasikornbank (KBank) , SCB X (SCBX) , Krungsri , TMBThanachart (ttb) and Kiatnakin Phatra (KKP) came to about 150.8bn baht, according to the banks' disclosures.