Interest rates nudge banks to record varied resultsListen to this articleAn employee counts bundles of 1,000-baht banknotes. Declining interest rates resulted in some banks recording lower operating results in 2025. Apichart JinakulLarge local banks posted mixed operating results in 2025, attributed to a decrease in interest income as rates declined, as well as heightened uncertainties. Meanwhile, net interest income (NII) declined in line with lower interest rates and slower loan growth. Although net interest margin compression following larger policy rate cuts than expected pressured interest income, a recovery in non-interest income, disciplined cost control and lower expected credit losses helped offset the impact of softer interest income.

Source: Bangkok Post January 21, 2026 23:14 UTC