<\/p>\n
For 2025, the banks are expected to report lower NIMs and a 1% loan contraction.<\/p>\n
Banks in Thailand reported a combined net profit rise of 5% year-on-year (YoY) and 12% quarter-on-quarter (QoQ) for the first quarter of 2025, according to UOB Kay Hian.<\/p>\n
All banks indicated a preference for good asset quality rather than loan growth, likely due to the potential impact of US tariffs and the worsening economic outlook, said UOBKH analyst Thanawat Thangchadakorn.<\/p>\n
\u201cWe saw QoQ loan contractions in many banks in Q1 2025. Banks continue to prioritise maintaining good asset quality rather than loan growth, in view of\u00a0<\/span><\/p>\n the potential impact of US tariffs and the worsening economic outlook,\u201d Thangchadakorn said.<\/p>\n UOBKH forecasts that a 1% YoY loan contraction in Thailand\u2019s banking sector in\u00a0<\/span><\/p>\n 2025.<\/p>\n Net interest income (NII) dropped 6% YoY and 4% QoQ on the back of lower lending yields.<\/p>\n Non-interest income (Non-II) jumped 18% YoY and 14% QoQ thanks to \u201ca more favourable capital market condition,\u201d Thangchadakorn said.<\/p>\n For 2025, UOBKH expects all banks to report a lower NIM than their 2025 targets due to the impact of the policy rate cut to 1.50% by the end of the year.<\/p>\n <\/p>","protected":false},"excerpt":{"rendered":" For 2025, the banks are expected to report lower NIMs and a 1% loan contraction. Banks in Thailand reported a combined net profit rise of 5% year-on-year (YoY) and 12% quarter-on-quarter (QoQ) for the first quarter of 2025, according to UOB Kay Hian. All banks indicated a preference for good asset quality rather than loan […]<\/p>\n","protected":false},"author":1,"featured_media":3877,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-rubriki"],"featured_image_src":{"landsacpe":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/04\/Thai-banks-4.jpg",600,415,false],"list":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/04\/Thai-banks-4-463x348.jpg",463,348,true],"medium":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/04\/Thai-banks-4-300x208.jpg",300,208,true],"full":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2025\/04\/Thai-banks-4.jpg",600,415,false]},"_links":{"self":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/3876","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/comments?post=3876"}],"version-history":[{"count":1,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/3876\/revisions"}],"predecessor-version":[{"id":3878,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/3876\/revisions\/3878"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media\/3877"}],"wp:attachment":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media?parent=3876"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/categories?post=3876"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/tags?post=3876"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}