Bangkok Bank (BBL) is optimistic about securing a virtual bank licence, leveraging the capabilities of its consortium partners. The consortium includes Singapore’s Sea Limited, BTS Group, Saha Group, and Thailand Post. BBL’s approach focuses on building a robust ecosystem by tapping into partners’ customer bases, such as Shopee and SeaMoney’s financial services. With 79 years of banking experience, BBL aims to meet local customer needs while emphasising sustainable growth. The bank’s virtual banking strategy emphasises data-driven operations, effective risk management, and core technology. BBL forecasts Thailand’s economic growth to improve to 3% in 2025, with key growth areas in sustainable finance and regional banking. BBL’s loan portfolio is expected to expand through clean energy projects and cross-border investments, aligning with the Asean growth trajectory.