SCB X Reports Net Profit of 21.3 Billion Baht in First Half of 2026, Down 15.7% YoY

When it comes to bank stocks favored for high dividends, SCB or SCB X Public Company Limited is always included. Therefore, Thairath Money wants to invite readers to delve into the latest financial results for the first half of 2026.

Starting with the broader view of Thailand's economy from the management perspective, Arthit Nanthawithaya, CEO of SCB X Public Company Limited (SCB), said that in the second quarter of 2026, the Thai economy faced pressure from uncertain macro conditions, recovery remained uneven, and household debt levels stayed high.

Amid these conditions, SCB X has focused on quality growth across the group, integrating accumulated technology and artificial intelligence (AI) into new business ventures. The company is currently preparing comprehensively, placing highest priority on system stability and customer experience.

In the second quarter of 2026, the company posted a net profit of 11.1 billion baht, a 9.0% increase from the previous quarter (QoQ), but a 13.1% decrease year-on-year (YoY). This decline was due to reduced net interest income following policy interest rate cuts, although fee income continued to grow driven by the wealth management business.

The first half of 2026 results compared to the first half of 2025 include the following details:

• Net profit stood at 21.3 billion baht, down 15.7% YoY.
• Net interest income was 54.1 billion baht, down 12.0% YoY.
• Fee and other income totaled 23.3 billion baht, up 16.3% YoY.
• Investment and trading income was 3.1 billion baht, down 36.8% YoY.
• Operating expenses were 33.7 billion baht, down 2.2% YoY.
• The cost-to-income ratio stood at 41.9%.
• Non-performing loans (NPL) as of 30 June 2026 totaled 91.9 billion baht, a 4.4% decrease from the previous quarter. The NPL ratio to total loans was 3.17%.
• The total expected credit loss allowance was 145.8 billion baht, with a coverage ratio of 158.6% against non-performing loans.
• Total loans as of 30 June 2026 amounted to 2.40 trillion baht, a 0.4% increase from the end of 2025.
• The capital adequacy ratio (BIS Ratio) was 18.6%.

Information referenced from SCB,SET

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