Financial Highlights

Total Revenue
Unit: Baht Billion
Net Profit
Unit: Baht Billion
2Q24 Revenue by Gen*
2Q24 Loan Portfolio by Company
Capital Adequacy Ratio
Total Revenue
Unit: Baht Billion
2Q23 3Q23 4Q23 1Q24 2Q24 1H23 1H24
Total Revenue 44.3 43.3 42.5 43.0 43.3 85.2 86.2
Net Profit
Unit: Baht Billion
2Q23 3Q23 4Q23 1Q24 2Q24 1H23 1H24
Net Profit 11.9 9.7 11.0 11.3 10.0 22.9 21.3
2Q24 Revenue by Gen*
Unit: Percent
Gen 1: Banking Services Gen 2: Consumer & Digital Financial Services Gen 3: Platforms & Digital Assets
2Q24 Revenue by Gen* 80 16 4

* Before deducting intercompany transactions

2Q24 Loan Portfolio by Company
Unit: Percent
Total Loans (Baht Billion) 2,448.7 Portion
Siam Commercial Bank 92.7
CardX 4.2
AutoX 2.0
MONIX 0.4
ABACUS digital 0.3
Alpha X 0.3
Others 0.1
Capital Adequacy Ratio
Unit: Percent
2Q23 3Q23 4Q23 1Q24 2Q24 1H23 1H24
CAR 18.7 18.7 18.8 18.6 18.8 18.7 18.8
CET 1 17.5 17.5 17.6 17.4 17.6 17.5 17.6
Total Revenue
Unit: Baht Billion
Net Profit
Unit: Baht Billion
Dividend Payment
Unit: Baht
2023 Revenue by Gen*
2023 Loan Portfolio by Company
Capital Adequacy Ratio
Total Revenue
Unit: Baht Billion
2019 2020 2021 2022 2023
Total Revenue 166.1 144.8 150.3 154.4 171.1
Net Profit
Unit: Baht Billion
2019 2020 2021 2022 2023
Net Profit 40.4 27.2 35.6 37.5 43.5
Dividend Payment
Unit: Baht
2019 2020 2021 2022 2023
Dividend Payment 6.25 2.3 4.06 6.69 10.34
Dividend Payout Ratio (Percent) 52.5 28.7 38.8 60.0 80.0
2023 Revenue by Gen*
Unit: Percent
Gen 1: Banking Services Gen 2: Consumer & Digital Financial Services Gen 3: Platforms & Digital Assets
2023 Revenue by Gen* 81 16 3

* Before deducting intercompany transactions

2023 Loan Portfolio by Company
Unit: Percent
Total Loans (Baht Billion) 2,426.6 Portion
Siam Commercial Bank 93.0
CardX 5.0
AutoX 1.0
MONIX 0.4
ABACUS digital 0.3
Alpha X 0.2
Others 0.1
Capital Adequacy Ratio
Unit: Percent
2019 2020 2021 2022 2023
CAR 18.1 18.2 18.7 18.9 18.8
CET 1 17.0 17.1 17.6 17.7 17.6
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.