SCB X PCL (BKK:SCB)

SCB X PCL Income Statement

Financials in millions THB. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	155,979	169,320	161,121	126,993	112,177
Interest Income on Investments	163.95	284.66	150.27	149.08	166.04
Total Interest Income	156,143	169,605	161,271	127,142	112,343
Interest Paid on Deposits	36,862	39,896	36,439	19,127	17,006
Net Interest Income	119,281	129,709	124,833	108,014	95,337
Net Interest Income Growth (YoY)	-8.04%	3.91%	15.57%	13.30%	-1.77%
Gain (Loss) on Sale of Investments	2,188	-264.45	68.18	54.23	145.99
Gain (Loss) on Sale of Equity Investments	415.5	600.12	417.52	272.6	556.56
Other Non-Interest Income	49,699	42,329	45,785	46,079	54,303
Total Non-Interest Income	52,302	42,665	46,270	46,406	55,005
Non-Interest Income Growth (YoY)	22.59%	-7.79%	-0.29%	-15.63%	15.28%
Revenues Before Loan Losses	171,583	172,373	171,103	154,420	150,342
Provision for Loan Losses	41,469	42,594	43,600	33,829	42,024
Revenue	130,114	129,779	127,503	120,592	108,318
Revenue Growth (YoY)	0.26%	1.79%	5.73%	11.33%	10.39%
Salaries and Employee Benefits	36,396	35,476	33,600	31,179	30,007
Occupancy Expenses	10,833	11,765	11,660	11,511	10,849
Selling, General & Administrative	199.59	3,859	5,721	8,044	111.66
Other Non-Interest Expense	22,141	21,877	20,799	19,140	22,589
Total Non-Interest Expense	69,570	72,977	71,781	69,874	63,556
EBT Excluding Unusual Items	60,544	56,803	55,723	50,718	44,762
Pretax Income	60,544	56,803	55,723	50,718	44,762
Income Tax Expense	12,324	12,224	11,955	13,592	9,376
Earnings From Continuing Operations	48,220	44,579	43,768	37,125	35,386
Minority Interest in Earnings	-732.42	-635.79	-247.08	420.59	204.03
Net Income	47,488	43,943	43,521	37,546	35,590
Net Income to Common	47,488	43,943	43,521	37,546	35,590
Net Income Growth	8.07%	0.97%	15.92%	5.50%	30.76%
Basic Shares Outstanding	3,368	3,367	3,367	3,377	3,399
Diluted Shares Outstanding	3,368	3,367	3,367	3,377	3,399
Shares Change (YoY)	0.03%	-	-0.29%	-0.66%	0.01%
EPS (Basic)	14.10	13.05	12.93	11.12	10.47
EPS (Diluted)	14.10	13.05	12.93	11.12	10.47
EPS Growth	8.04%	0.97%	16.25%	6.19%	30.75%
Dividend Per Share	-	10.440	10.340	6.690	4.060
Dividend Growth	-	0.97%	54.56%	64.78%	76.52%
Effective Tax Rate	20.36%	21.52%	21.45%	26.80%	20.95%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.