KASIKORNBANK announced the nine-month of 2026 net profit of Baht 40,635 million.KBANK continues to operate the business through the execution of K-Strategy 3+1 and Productivity.

The Bank for Agriculture and Agricultural Cooperatives (BAAC) has unveiled the development direction for "BAAC Family: LINE Of FUNcial," based on the concept: "Everyday Companion – Making life easier, as if a friend is right by your side." This initiative aims to elevate the "BAAC Family" LINE Official Account (OA) beyond a mere communication channel. It is designed to help users save money, stay safe (from threats), engage meaningfully, and access useful resources. It serves as a hub connecting information, news, financial services, exclusive benefits, knowledge, and content tailored to people's lifestyles—standing by their side and growing with them through every stage of life.

Mr. Paisan Hongthong, Executive Vice President of the BAAC, stated that the bank is advancing the "BAAC Family" LINE Official Account into a "LINE Of FUNcial" platform. This transformation turns the bank’s communication channel into a "One-Stop Service Platform," consolidating information, news, financial products and services, benefits, and digital offerings in a single location. This allows the public to access accurate, up-to-date information and utilize the bank’s services conveniently and rapidly through a platform already familiar to their daily lives. This concept shifts the role of "BAAC Family" from a simple information source to that of a "friend"—one that offers guidance, provides alerts against threats, and supports decision-making during critical moments. The term "FUNcial" blends the concepts of "Fun" and "Financial," making financial topics and cybersecurity awareness—often perceived as complex—more accessible, engaging, and easy to understand, ensuring they can be practically applied to everyday life with confidence.

Furthermore, to extend this concept to the general public... To reach the younger generation, the Bank for Agriculture and Agricultural Cooperatives (BAAC) has partnered with the T-Pop boy group PERSES from GMM Music, appointing them as "Friends of the BAAC Family." They will serve as guides, opening doors to information, news, and value that goes beyond mere entertainment. They invite young people to get to know and utilize the "BAAC Family" LINE Official Account in their daily lives—offering financial literacy, cybersecurity awareness, and other useful services. The content is presented in a friendly, accessible tone that resonates with users' lifestyles, reinforcing the BAAC Family’s role as a companion that grows alongside the public at every stage of life. Under the concept "Everyday Companion: Making Life Easier, Like Having a Friend by Your Side," the BAAC offers a range of features designed to help users SAVE, stay SAFE, stay ENGAGED, and access USEFUL tools:

* **SAVE:** Stay informed about the Bank’s various products and utilize financial management tools, such as income and expense tracking, as well as account activity notifications via "BAAC Connect."

* **SAFE:** Protect yourself from scammers with fraud-alert features developed in collaboration with the Cyber ??Crime Investigation Bureau (CCIB). Users can easily access accurate information, verify the authenticity of news, and check phone numbers, bank account numbers, or websites directly within the BAAC Family chat (via the "Check on Chat" feature).

* **ENGAGE:** Participate in the "BAAC Family: Touching Hearts, Collecting Moments – Year 2" campaign, where customers can join in the fun through various features on the BAAC Family platform, such as downloading free stickers. Or, check the daily weather to earn points and redeem them for rewards.

? "Super Useful": Our weather-checking service provides daily, weekly, and monthly forecasts, helping you accurately plan your work or manage your agricultural produce. You can also stay updated on agricultural commodity prices through our crop price-tracking service.

Follow the "Friend of BAAC Family" campaign—featuring the group Perses—starting today. For the latest news, information on products and services, and more, connect with the BAAC via our official channels: LINE (BAAC Family), Facebook (ธกส BAAC Thailand), TikTok/Instagram/X (@baacthailand), our website (www.baac.or.th), or by calling the BAAC Contact Center at 02 555 0555.

Go To Lead

In the third quarter of 2026, the Thai economy remained broadly stable compared with the previous quarter, supported by continued growth in exports, particularly electronics, which benefited from global demand for technology and artificial intelligence (AI). Meanwhile, private consumption remained weak amid rising food and energy prices, which increased household living costs and business operating expenses. The services sector was supported by an increase in Chinese tourist arrivals; however, the recovery of the tourism sector remained below expectations. In addition, the increase in public debt has constrained the government’s ability to implement additional fiscal stimulus measures. Meanwhile, the recent flooding also disrupted economic activity across several areas and may cause Thailand’s economic growth to remain below its potential.

Amid a continuously evolving global landscape and multiple challenges from geopolitical tensions affecting global trade, the rapid advancement of technology and artificial intelligence (AI), shifts in environmental policies and increasing risks associated with intensifying climate change, including the impacts of flooding and El Ni?o conditions, Bangkok Bank remains committed as a “trusted partner and reliable close friend”. The Bank provides ongoing tailored advice and support to customers in each segment, offering financial resources, insights and business networks that enable them to maintain competitiveness and build resilience in a dynamic environment. In addition, the Bank facilitates opportunities for international expansion by leveraging its extensive domestic and international network. The Bank also supports government policies aimed at enabling Thailand’s transition toward a sustainable economy, including the “SMEs Credit Boost” program, to create opportunities for SME to strengthen their competitiveness and contribute more effectively to sustainable economic growth. At the same time, the Bank places importance on prudent management, together with adhering to responsible lending guidelines and committing to providing financial services that support social and environmental responsibility, while fostering sustainable growth.

Bangkok Bank and its subsidiaries reported a net profit of Baht 29,981 million for the nine months of 2026, a decrease from the same period last year, mainly due to lower net interest income following the Bank’s interest rate reductions to support the economic recovery and ease customers’ financing costs. The Bank’s net interest margin stood at 2.47 percent. At the same time, the quality loan growth continued to support operating income and partially mitigate the impact of the lower interest rate environment. Non-interest income decreased mainly due to gains on investments. Meanwhile, net fees and service income increased, driven by growth in bancassurance and mutual fund services, as well as higher securities business fees in line with improving capital market conditions and increased trading activity. The Bank has continuously improved its operational efficiency enhancement, while placing emphasis on cost management. As a result, operating expenses decreased by 4.6 percent and a cost to income ratio stood at 48.2 percent. Expected credit losses declined by 13.9 percent compared with the same period last year, reflecting the Bank’s consistently prudent management approach.

Bangkok Bank continues to operate with its prudent management approach and retains financial, liquidity and capital positions at healthy and appropriate levels.At the end of September 2026, the Bank’s loans amounted to Baht 2,692,861 million, an increase of 3.2 percent from the end of last year, due to growth in loans to large corporate customers and loans made through the Bank’s international network. The non-performing loan to total loans ratio stood at 3.2 percent, remaining at a manageable level. Under the Bank’s continuous prudent management approach, the ratio of allowance for expected credit losses to non-performing loan remained strong at 322.1 percent.

As of September 30, 2026, the Bank’s deposits amounted to Baht 3,221,930 million, an increase of 0.8 percent from the end of last year, while the loan to deposit ratio stood at 83.6 percent. The total capital adequacy ratio, Tier 1 capital adequacy ratio and Common Equity Tier 1 capital adequacy ratio of the Bank and its subsidiaries were 21.5 percent, 17.1 percent and 17.1 percent respectively, comfortably above the Bank of Thailand’s minimum capital requirements.

Go To Lead