<\/p>\n
But its loan portfolio contracted and net interest income dropped 8%.<\/p>\n
SCB X Public Company Limited (SCBX) reported a net profit of $1.51b (THB47.49b) for 2025, 8.1% year-on-year (YoY) higher than the previous year.<\/p>\n
Higher gains on investments, and increased fee income from the strong performance of its wealth management business, contributed to the higher profits.<\/p>\n
SCB X also saw lower operating expenses after its divestment of the Robinhood business in 2024 and cost control, it said in a press statement published on 21 January 2026.<\/p>\n
Net interest income declined 8% YoY to $3.8b (THB119.12b), on the back of a narrower net interest margin (NIM) following four policy rate cuts in 2025.<\/p>\n
SCB X said that its loan portfolio contracted 2.1% from \u201cprudent new loan underwriting.\u201d<\/p>\n
Fee and other income rose 2.6% You to $1.33b (THB41.7b), driven by strong performance of its wealth management business. Transactional banking, lending-related, and other fees also performed well during the period, SCB X said.<\/p>\n
Investment and trading income rose 369.8% YoY or more than quadrupled to THB10.77b, on higher gains from SCB Bank and SCB 10X\u2019s investment portfolios.<\/p>\n
Operating expenses fell by 4.7% to $2.22b (THB69.57b). Cost-to-income ratio is 40.5%.<\/p>\n
The non-performing loan ratio (NPL ratio) is 3.29% as of end-2025, down from 3.37% in 2024.<\/p>\n
<\/p>","protected":false},"excerpt":{"rendered":"
But its loan portfolio contracted and net interest income dropped 8%. SCB X Public Company Limited (SCBX) reported a net profit of $1.51b (THB47.49b) for 2025, 8.1% year-on-year (YoY) higher than the previous year. Higher gains on investments, and increased fee income from the strong performance of its wealth management business, contributed to the higher […]<\/p>\n","protected":false},"author":1,"featured_media":5422,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5421","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-rubriki"],"featured_image_src":{"landsacpe":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/01\/Siam-Commercial-Bank-3-1140x445.webp",1140,445,true],"list":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/01\/Siam-Commercial-Bank-3-463x348.webp",463,348,true],"medium":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/01\/Siam-Commercial-Bank-3-300x200.webp",300,200,true],"full":["https:\/\/relinvestmentsgroup.com\/wp-content\/uploads\/2026\/01\/Siam-Commercial-Bank-3.webp",2000,1334,false]},"_links":{"self":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5421","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/comments?post=5421"}],"version-history":[{"count":1,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5421\/revisions"}],"predecessor-version":[{"id":5423,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/posts\/5421\/revisions\/5423"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media\/5422"}],"wp:attachment":[{"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/media?parent=5421"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/categories?post=5421"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/relinvestmentsgroup.com\/en\/wp-json\/wp\/v2\/tags?post=5421"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}