Financial Highlights
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Financial Highlights
Total Revenue
Unit: Baht Billion
Net Profit
Unit: Baht Billion
1Q26 Revenue by Gen*
1Q26 Loan Portfolio by Company
Capital Adequacy Ratio
Total Revenue
Unit: Baht Billion
| 1Q25 | 2Q25 | 3Q25 | 4Q25 | 1Q26 | FY24 | FY25 | |
|---|---|---|---|---|---|---|---|
| Total Revenue | 42.9 | 43.5 | 43.6 | 41.6 | 39.3 | 172.4 | 171.6 |
Net Profit
Unit: Baht Billion
| 1Q25 | 2Q25 | 3Q25 | 4Q25 | 1Q26 | FY24 | FY25 | |
|---|---|---|---|---|---|---|---|
| Net Profit | 12.5 | 12.8 | 12.1 | 10.1 | 10.2 | 43.9 | 47.5 |
1Q26 Revenue by Gen*
Unit: Percent
| Gen 1: Banking Business | Gen 2: Consumer and Digital Finance Business | Gen 3: Platform and Technology Business | |
|---|---|---|---|
| 1Q26 Revenue by Gen* | 79 | 18 | 3 |
* Before deducting intercompany transactions
1Q26 Loan Portfolio by Company
Unit: Percent
| Total Loans (Baht Billion) | 2,432 | Portion |
|---|---|---|
| Siam Commercial Bank | 92.5% | |
| CardX | 4.0% | |
| AutoX | 1.9% | |
| MONIX | 0.8% | |
| ABACUS digital | 0.3% | |
| Others | 0.5% |
Capital Adequacy Ratio
Unit: Percent
| 1Q25 | 2Q25 | 3Q25 | 4Q25 | 1Q26 | FY24 | FY25 | |
|---|---|---|---|---|---|---|---|
| CAR | 18.8 | 19.0 | 18.9 | 18.9 | 18.0 | 18.9 | 18.9 |
| CET 1 | 17.6 | 17.8 | 17.7 | 17.8 | 16.8 | 17.7 | 17.8 |
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
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|
| Dividend Payment | 2.30 | 4.06 | 6.69 | 10.34 | 10.44 | 11.28 |
| Dividend Payout Ratio (Percent) | 28.7 | 38.8 | 60.0 | 80.0 | 80.0 | 80.0 |
2025 Revenue by Gen*
Unit: Percent
| Gen 1: Banking Business | Gen 2: Consumer and Digital Finance Business | Gen 3: Platform and Technology Business | |
|---|---|---|---|
| 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 | 17.8 |
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.