Krung Thai Bank PCL (BKK:KTB-R) Effective Interest Rate on Debt %: 9.62% (As of Mar. 2026)


BKK:KTB-R Krung Thai Bank PCL BKK:KTB-R
43 GF Score
Price ฿35.13
GF Value ฿20.70
! 7 Warning Signs
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What is Krung Thai Bank PCL Effective Interest Rate on Debt %?

Krung Thai Bank PCL BKK:KTB-R 43 Effective Interest Rate on Debt % is 9.62% as of Mar. 2026. GuruFocus rates BKK:KTB-R with a GF Score™ of 43/100 and a GF Value™ of ฿20.70. The stock has 7 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Krung Thai Bank PCL's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ฿36,312 Mil. Krung Thai Bank PCL's average total debt for the quarter that ended in Mar. 2026 was ฿377,508 Mil. Therefore, Krung Thai Bank PCL's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 9.62%.


Krung Thai Bank PCL  (BKK:KTB-R) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Krung Thai Bank PCL Effective Interest Rate on Debt % Related Terms


Krung Thai Bank PCL Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Krung Thai Bank PCL's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Krung Thai Bank PCL Effective Interest Rate on Debt % Chart

Krung Thai Bank PCL Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.62 5.63 9.07 11.29 11.36

Krung Thai Bank PCL Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.42 10.79 10.43 10.30 9.62

Krung Thai Bank PCL Effective Interest Rate on Debt % Competitor Comparison

For the Banks - Regional subindustry, Krung Thai Bank PCL's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Krung Thai Bank PCL Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Krung Thai Bank PCL's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Krung Thai Bank PCL's Effective Interest Rate on Debt % falls into.


BKK:KTB-R
43GF Score
Krung Thai Bank PCL BKK:KTB-R
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Krung Thai Bank PCL Effective Interest Rate on Debt % Calculation

Krung Thai Bank PCL's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -41754/( (362352.532+373034.692)/ 2 )
=-1  *  -41754/367693.612
=11.36 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=362352.532 + 0
=362352.532

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=373034.692 + 0
=373034.692

Krung Thai Bank PCL's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -36312/( (373034.692+381981.337)/ 2 )
=-1  *  -36312/377508.0145
=9.62 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=373034.692 + 0
=373034.692

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=381981.337 + 0
=381981.337

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 9.62% mean?
Krung Thai Bank PCL (BKK:KTB-R) has a Effective Interest Rate on Debt % of 9.62% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Krung Thai Bank PCL and its competitors.
Is Krung Thai Bank PCL's Effective Interest Rate on Debt % too high?
Krung Thai Bank PCL's current Effective Interest Rate on Debt % is 9.62%. Overall, Krung Thai Bank PCL has a GF Score™ of 43/100, reflecting its overall financial health beyond just this single metric.
How does Krung Thai Bank PCL's Effective Interest Rate on Debt % compare to competitors?
Krung Thai Bank PCL's Effective Interest Rate on Debt % of 9.62% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Krung Thai Bank PCL and its competitors. Krung Thai Bank PCL's current Effective Interest Rate on Debt % is 9.62%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krung Thai Bank PCL stock overvalued right now?
Krung Thai Bank PCL (BKK:KTB-R) has a current Effective Interest Rate on Debt % of 9.62%. The stock's GF Value™ is ฿20.70, compared to a current price of ฿35.13 — trading 69.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 9.62%. Krung Thai Bank PCL's overall GF Score™ is 43/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Krung Thai Bank PCL (BKK:KTB-R), the current Effective Interest Rate on Debt % is 9.62% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Krung Thai Bank PCL (BKK:KTB-R) Overvalued in 2026?

Based on GuruFocus' analysis, Krung Thai Bank PCL stock appears to be overvalued. The current stock price of ฿35.13 is trading 69.7% above its estimated GF Value™ of ฿20.70.

Key valuation signals for BKK:KTB-R:

  • Effective Interest Rate on Debt %: 9.62%
  • GF Value™: ฿20.70 vs. price of ฿35.13 (69.7% above fair value)
  • GF Score™: 43/100 with 7 warning signs

No single metric tells the full story. See the BKK:KTB-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Krung Thai Bank PCL Business Description

Address 35 Sukhumvit Road, Klongtoey Nua Subdistrict, Wattana District, Bangkok, THA, 10110
Krung Thai Bank PCL is a commercial bank in Thailand conducting its business through a nationwide branch network and in certain centers of the world. The company operates in the following reportable segments: Retail banking, Corporate banking, and Treasury and investments. Maximum revenue is generated from its Retail banking segment, which develops financial products and services and also provides services for individual customers relating to deposits, loans, payment for goods and services, and others. The Corporate Banking segment provides credit facilities and financial services to corporate clients, and the Treasury and Investments segment controls the bank's financial structure and manages its equity investments, international business, and excess liquidity.
43GF Score

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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

฿35.13
Price
฿20.70
GF Value