Thailand banking profitability outlook is weakening as lenders face slower growth, high household debt and deleveraging trends. TMBThanachart Bank expects loan growth of just 0%-2% in 2026 and targets return on equity of around 10%, down from higher historical levels. Banks are unlikely to achieve previous ROE levels of 17%-18% and must rely more on fee-based income and advisory services. The Thailand banking profitability outlook reflects structural shifts in the sector.