• The performance trend of the banking sector over the past several quarters indicates that sustaining profitability is no longer dependent solely on loan growth. Although loan growth resumed in 1H26, net interest income continued to decline.
• Financial statements also reveal that banks have adopted different strategic approaches. These include managing funding costs, increasing the contribution of non-interest income, and focusing on quality loan growth to navigate low interest rates and economic uncertainty.
• KResearch assesses that bank adjustments are far from over. Looking ahead, the key challenge will be sustaining profitability through the restructuring of revenue streams and loan portfolios, while simultaneously managing risks and maintaining asset quality.
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