Financial Highlights
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Financial Highlights
Total Revenue
Unit: Baht Billion
Net Profit
Unit: Baht Billion
4Q25 Revenue by Gen*
4Q25 Loan Portfolio by Company
Capital Adequacy Ratio
Total Revenue
Unit: Baht Billion
| 4Q24 | 1Q25 | 2Q25 | 3Q25 | 4Q25 | FY24 | FY25 | |
|---|---|---|---|---|---|---|---|
| Total Revenue | 43.8 | 42.9 | 43.5 | 43.6 | 41.6 | 172.4 | 171.6 |
Net Profit
Unit: Baht Billion
| 4Q24 | 1Q25 | 2Q25 | 3Q25 | 4Q25 | FY24 | FY25 | |
|---|---|---|---|---|---|---|---|
| Net Profit | 11.7 | 12.5 | 12.8 | 12.1 | 10.1 | 43.9 | 47.5 |
4Q25 Revenue by Gen*
Unit: Percent
| Gen 1: Banking Services | Gen 2: Consumer & Digital Financial Services | Gen 3: Platforms & Digital Assets | |
|---|---|---|---|
| 4Q25 Revenue by Gen* | 77 | 17 | 6 |
* Before deducting intercompany transactions
4Q25 Loan Portfolio by Company
Unit: Percent
| Total Loans (Baht Billion) | 2,352,870 | Portion |
|---|---|---|
| Siam Commercial Bank | 92.7% | |
| CardX | 3.7% | |
| AutoX | 2.0% | |
| MONIX | 0.7% | |
| ABACUS digital | 0.3% | |
| Others | 0.6% |
Capital Adequacy Ratio
Unit: Percent
| 4Q24 | 1Q25 | 2Q25 | 3Q25 | 4Q24 | FY24 | FY25 | |
|---|---|---|---|---|---|---|---|
| CAR | 18.9 | 18.8 | 19.0 | 18.9 | 18.9 | 18.9 | 18.9 |
| CET 1 | 17.7 | 17.6 | 17.8 | 17.7 | 17.7 | 17.7 | 17.7 |
Total Revenue
Unit: Baht Billion
Net Profit
Unit: Baht Billion
Dividend Payment
Unit: Baht
2025 Revenue by Gen*
2025 Loan Portfolio by Company
Capital Adequacy Ratio
Total Revenue
Unit: Baht Billion
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| Total Revenue | 144.8 | 150.3 | 154.4 | 171.1 | 172.4 | 171.6 |
Net Profit
Unit: Baht Billion
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| Net Profit | 27.2 | 35.6 | 37.5 | 43.5 | 43.9 | 47.5 |
Dividend Payment
Unit: Baht
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|
| Dividend Payment | 6.25 | 2.30 | 4.06 | 6.69 | 10.34 | 10.44 |
| Dividend Payout Ratio (Percent) | 52.5 | 28.7 | 38.8 | 60.0 | 80.0 | 80.0 |
2025 Revenue by Gen*
Unit: Percent
| Gen 1: Banking Services | Gen 2: Consumer & Digital Financial Services | Gen 3: Platforms & Digital Assets | |
|---|---|---|---|
| 2024 Revenue by Gen* | 79 | 16 | 5 |
* Before deducting intercompany transactions
2025 Loan Portfolio by Company
Unit: Percent
| Total Loans (Baht Billion) | 2,353.9 | Portion |
|---|---|---|
| Siam Commercial Bank | 92.7 | |
| CardX | 3.7 | |
| AutoX | 2.0 | |
| MONIX | 0.7 | |
| ABACUS digital | 0.3 | |
| Others | 0.6 |
Capital Adequacy Ratio
Unit: Percent
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| CAR | 18.2 | 18.7 | 18.9 | 18.8 | 18.9 | 18.9 |
| CET 1 | 17.1 | 17.6 | 17.7 | 17.6 | 17.7 | 17.7 |
Remark: The data from the period 2019-2021 are prior to the restructuring.
5-Year: Key Financial Statistics
Remark:
1/ Before restructuring
2/ After restructuring
3/ Figures are disclosed based on Basel III framework.
4/ The figures from 2020 onward are based on TFRS 9.