<\/p>\n
Its CEO warned of slower economic growth and consumption in 2026.<\/p>\n
Krungsri (Bank of Ayudhya PCL) posted a net profit of $1.02b (THB31.74b) in 2025, 6.9% year-on-year (YoY) higher, in part due to a one-time gain from its Tidlor Holdings investment remeasurement.<\/p>\n
Total loans increased by 1.7% YoY in 2025, largely driven by a 2.7% YoY growth in corporate loans, the Thailand-based bank said in a press statement on 20 January 2026.<\/p>\n
Loan growth was further supported by the consolidation of its TIDLOR portfolio, Krungsri said.<\/p>\n
In contrast, the bank\u2019s retail and small and medium enterprises (SME) segments saw loan contractions, weighed down by domestic demand and business sentiments, it said.<\/p>\n
Deposits contracted by 4.8% YoY to $2.78b (THB86.9b) on a decrease in time deposits.<\/p>\n
Net interest margin (NIM) rose to 4.35% in 2025 from 4.28% in 2024 on funding cost management and higher yield contribution from TILOR.<\/p>\n
Non-interest income is $205.06m (THB6.4b), 14.1% YoY higher, on higher net fees and service income and the TIDLOR investment remeasurements.<\/p>\n
Cost-to-income ratio is 47%.<\/p>\n
Thailand\u2019s economy is expected to expand \u201cbelow potential\u201d in 2026, with growth projected at just 1.8% versus 2.1% in 2025, said Kenichi Yamato, president and CEO, Krungsri.<\/p>\n
\u201cConsumption will slow as income growth remains weak, while exports face pressure from U.S. tariffs and baht appreciation,\u201d Yamato said.<\/p>\n
Foreign investors and capital investment are expected to provide \u201cpartial support\u201d.<\/p>\n
\u201cHowever, overall growth remains subdued due to external trade pressures and restrained domestic spending,\u201d Yamato said.<\/p>\n
Krungsri is Thailand\u2019s fifth largest bank in terms of assets, loans, and deposits.<\/p>\n
<\/p>","protected":false},"excerpt":{"rendered":"
Its CEO warned of slower economic growth and consumption in 2026. Krungsri (Bank of Ayudhya PCL) posted a net profit of $1.02b (THB31.74b) in 2025, 6.9% year-on-year (YoY) higher, in part due to a one-time gain from its Tidlor Holdings investment remeasurement. Total loans increased by 1.7% YoY in 2025, largely driven by a 2.7% […]<\/p>\n","protected":false},"author":1,"featured_media":5419,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5418","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-rubriki"],"featured_image_src":{"landsacpe":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/01\/Krungsri-3-1140x445.jpg",1140,445,true],"list":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/01\/Krungsri-3-463x348.jpg",463,348,true],"medium":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/01\/Krungsri-3-300x225.jpg",300,225,true],"full":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/01\/Krungsri-3-scaled.jpg",2560,1920,false]},"_links":{"self":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5418","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=5418"}],"version-history":[{"count":1,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5418\/revisions"}],"predecessor-version":[{"id":5420,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5418\/revisions\/5420"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media\/5419"}],"wp:attachment":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media?parent=5418"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/categories?post=5418"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/tags?post=5418"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}