BBL Balance Sheet - Bangkok Bank PCL

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Price: 185.5 THB 1.92% Market Closed

Market Cap: ฿354.1B

Financial profile · Q3 FY2026

A deposit-funded bank with rate-sensitive earnings and resilient capital capacity

Bangkok Bank’s multi-year results show earnings that respond to interest-rate and credit conditions, with investment and fee income adding another variable source of revenue. Deposits are the main funding source, while its substantial equity base supports a balance sheet centered on loans and investments.

What is developing

The latest results show year-over-year pressure on interest and non-interest income, while quarterly profit was nearly unchanged from the prior quarter and lending continued to grow. This indicates a meaningful earnings slowdown, but not yet a change in the bank’s deposit-funded financial model.

What matters next

Whether net interest income and market-sensitive non-interest income stabilize as loan growth continues.

Metric	FY2016 Dec 2016	FY2017 Dec 2017	FY2018 Dec 2018	FY2019 Dec 2019	FY2020 Dec 2020	FY2021 Dec 2021	FY2022 Dec 2022	FY2023 Dec 2023	FY2024 Dec 2024	FY2025 Dec 2025
Net Loans	1.8T	1.9T	1.9T	1.9T	2.2T	2.4T	2.4T	2.4T	2.4T	2.3T
Investments	986.3B	1.1T	1.1T	1.2T	1.4T	1.8T	1.8T	1.9T	2T	2.1T
PP&E Net	45.2B	43.8B	42.6B	40.8B	65.1B	65B	61.9B	61.9B	60.1B	71.5B
PP&E Gross	45.2B	43.8B	42.6B	40.8B	65.1B	65B	61.9B	61.9B	60.1B	71.5B
Accumulated Depreciation	(20.3B)	(21.9B)	(24B)	(25.4B)	(27.6B)	(30.5B)	(31.3B)	(33.2B)	(34.4B)	(27.1B)
Intangible Assets	829m	1B	1.1B	1.8B	2.5B	14.9B	13B	12.5B	10.4B	7.9B
Goodwill	—	—	—	—	29.8B	21.9B	20.7B	20.8B	17.4B	14.6B
Long-Term Investments	1.3B	1.5B	1.6B	1.7B	911m	1.3B	1.4B	1.4B	1B	1B
Other Long-Term Assets	3.3B	3.7B	4.1B	4.5B	7.9B	6.3B	6.9B	10.3B	10.7B	14.5B
Other Assets	39.2B	33.3B	33.6B	51.3B	87B	83.1B	69.3B	65.6B	64.9B	52.6B
Total Assets	2.9T	3.1T	3.1T	3.2T	3.8T	4.3T	4.4T	4.5T	4.6T	4.6T
Accounts Payable	12.3B	13.6B	7.2B	5.5B	7.3B	8.1B	7.8B	9.2B	7.1B	6.8B
Current Portion of Long-Term Debt	—	—	—	—	—	—	—	—	26.6B	32.7B
Total Deposits	2.3T	2.4T	2.5T	2.5T	3T	3.4T	3.5T	3.5T	3.5T	3.5T
Other Interest Bearing Liabilities	686m	1.4B	1.6B	1.6B	0	—	—	—	—	—
Total Current Liabilities	12.3B	13.6B	7.2B	5.5B	7.3B	8.1B	7.8B	9.2B	33.7B	39.5B
Long-Term Debt	137.8B	107.2B	116.3B	144.7B	136.2B	183.2B	188.3B	212.5B	187.2B	211.3B
Deferred Income Tax	5.7B	5.7B	1.4B	2.4B	2.4B	1.4B	578.9m	29.6m	3.9m	65.3m
Minority Interest	229m	283m	345m	365m	1.2B	1.9B	1.8B	1.9B	1.8B	1.8B
Other Liabilities	99.4B	102B	113.7B	129.3B	196.8B	200.3B	244.5B	243.5B	257B	268.9B
Total Liabilities	2.6T	2.7T	2.7T	2.8T	3.4T	3.8T	3.9T	4T	4T	4T
Common Stock	19.1B	19.1B	19.1B	19.1B	19.1B	19.1B	19.1B	19.1B	19.1B	19.1B
Retained Earnings	248.3B	270B	294.5B	317.8B	326.3B	350.9B	375.7B	409.3B	441.5B	470.9B
Additional Paid In Capital	56.3B	56.3B	56.3B	56.3B	56.3B	56.3B	56.3B	56.3B	56.3B	56.3B
Unrealized Security Profit/Loss	57.4B	63.5B	53.2B	50.6B	58.6B	58.1B	54.5B	45.8B	45.8B	41.1B
Other Equity	(2.2B)	(7.2B)	(10.4B)	(16.1B)	(11.4B)	8.3B	(220.6m)	(1.6B)	(7.7B)	(13.6B)
Total Equity	379B	401.7B	412.8B	427.8B	449B	492.7B	505.3B	529B	555B	573.9B
Total Liabilities & Equity	2.9T	3.1T	3.1T	3.2T	3.8T	4.3T	4.4T	4.5T	4.6T	4.6T
Common Shares Outstanding	1.9B	1.9B	1.9B	1.9B	1.9B	1.9B	1.9B	1.9B	1.9B	1.9B

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OTC • USD

BKKLY

OTC • USD

BKKPF

Bangkok Bank PCL SET:BBL

A deposit-funded bank with rate-sensitive earnings and resilient capital capacity

What is developing

What matters next

A deposit-funded lender pairing expanding core income with broadening fee earnings

A deposit-funded bank growing loans with diversified income and credit-sensitive earnings

A loan-led universal bank with diversified earnings and steadily scaling profits

A deposit-funded bank pairing steady earnings growth with broader income streams

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Bangkok Bank PCL
SET:BBL