Bangkok: SCBX reported a net profit of 12.056 billion baht in Q3 2025, a 10.2% increase. For the first nine months of 2025, the company reported a net profit of 37.344 billion baht, a 15.8% increase, with provisions down 1.3% year-on-year. The company also announced that it is helping debtors participating in the “You Fight, We Help” project, with total debt exceeding 60 billion baht.
According to Thai News Agency, SCB X Public Company Limited reported a net profit of 12.056 billion baht in the third quarter of 2025, marking a 10.2% increase year-on-year. This rise was attributed to increased investment profits and higher fee income, bolstered by the wealth management business’s strong performance and effective cost control.
The company’s net profit for the first nine months of 2025 stood at 37.344 billion baht, reflecting a 15.8% increase year-on-year. In Q3 2025, net interest income amounted to 29.413 billion baht, a 9.9% decrease year-on-year, due to a drop in net interest margin and a 3.3% decrease in overall loan volume under prudent lending.
Fee and other income reached 10,942 million baht, a 9.6% increase year-on-year, driven by robust growth in wealth management due to the sale of high-value investment products, along with increased fees from financial transactions, lending-related activities, and other services.
Investment and trading income amounted to 3,326 million baht, marking a significant improvement from a loss in the same period the previous year, driven by profits from SCB’s investment portfolio and SCB 10X Co., Ltd.
Operating expenses totaled 17,575 million baht, a slight 0.2% decrease year-on-year due to effective cost control, resulting in a cost-to-income ratio of 40.2%. The company’s provisions decreased by 1.3% year-on-year due to controllable asset quality, particularly the improvement of Card X Co., Ltd., including a special provision of 1.4 billion baht to cushion future economic uncertainty, resulting in a high coverage ratio of 161.7%.
Despite external volatility, the company maintained good control over its loan quality, with a non-performing loan ratio of 3.30% at the end of Q3 2025, down from 3.38% the previous year. The company’s statutory capital remains strong at 18.9%.
Mr. Arthid Nanthawithaya, CEO of SCB X Public Company Limited, stated that the quarter’s strong performance reflects strategic progress, particularly in the wealth management business, which has seen steady growth. This is attributed to technology adoption to enhance personnel capabilities in analyzing customer needs and developing new platforms and products offering borderless investment opportunities. This aligns with the goal of becoming the number one leader in this sector by 2026.
The “You Fight, We Help” project has provided assistance to debtors totaling more than 60 billion baht in debt, following the registration period’s conclusion at the end of the last quarter.
Despite challenges facing the Thai economy, SCBX continues to pursue a proactive business restructuring strategy, focusing on strategic cost management through process transformation powered by AI and innovation. This initiative leverages technology to redesign entire processes, aiming for sustainable service cost reductions and enhanced customer experiences.
The company maintains a prudent risk management policy to sustain long-term financial strength and is prepared to support households and businesses in achieving stable and sustainable recovery and growth through innovative financial solutions and creating an ecosystem conducive to a digital economy transition.