Current data not available. Estimate for 2025 based on 2023:

Banking: approx. 70%
Insurance: approx. 15%
Asset management: approx. 10%

Top 3 markets:

Thailand: approx. 80%
Southeast Asia (excl. Thailand): approx. 10%
International (Rest of the world): approx. 10%

SCB X Public Company Limited generates the majority of its revenue from traditional banking, which includes lending, deposits, and payment services. Insurance and asset management services also contribute significantly to revenue, but to a lesser extent.

The main market remains Thailand, where the company has a strong market presence and customer base. Expansion into other Southeast Asian countries and internationally is underway, but not as pronounced as in the domestic market.

Production: SCB X Public Company Limited is a financial services group and does not produce physical products.

SCB X is mainly active in banking and offers financial services such as loans, deposits, asset management, and insurance. Therefore, there are no production facilities in the traditional sense as would be found in manufacturing companies. Instead, SCB X focuses on providing services and digital solutions to its customers.

Revenue Growth: Estimated 10-12% annually (2025) Profit Growth: Estimated 8-10% annually (2025)

SCB X Public Company Limited pursues a strategy focused on digital transformation and expansion into new markets. The company heavily invests in digital technologies to enhance and streamline its services. This includes the development of mobile banking solutions and the implementation of AI-based financial services.

Another key focus is on regional expansion in Southeast Asia. SCB X plans to strengthen its presence in emerging markets to capitalize on the growing middle class and increasing digitalization in these regions.

Additionally, the company is leveraging strategic partnerships and alliances with fintech companies to offer innovative financial products and expand its customer base. These measures are intended to maximize the company's growth potential and secure its competitiveness in a rapidly changing financial landscape.

Main Imported Raw Materials/Resources: Financial services

Countries of Origin: Global, with a focus on international financial markets

SCB X Public Company Limited, as a financial institution, does not import physical raw materials or resources. Instead, the "import" in this context refers to access to international financial markets and services.

The company interacts with global financial markets to source capital, investments, and financial products. These "imports" come from various countries, depending on the specific financial services and investment opportunities that SCB X utilizes.

Since SCB X operates in the financial industry, the focus is more on sourcing capital and financial instruments rather than physical raw materials.

Return on Equity (ROE): 9.8% (2024)
Market Share in the Thai Banking Sector: approximately 16% (2024)
Cost Efficiency (Cost-to-Income Ratio): 45% (2024)

SCB X Public Company Limited, one of the leading banks in Thailand, has a significant competitive advantage due to its strong market position and high cost efficiency. With a market share of around 16% in the Thai banking sector, SCB X is well positioned to benefit from the country's growing economy.

The return on equity of 9.8% indicates that the company is able to effectively utilize its resources to generate profits. This is an indicator of profitability and the ability to create shareholder value.

Additionally, the cost efficiency with a cost-to-income ratio of 45% shows that SCB X is able to keep its operating expenses low relative to its income, indicating strong operational efficiency. These factors together give SCB X a solid competitive advantage in the banking sector.

Institutional Investor Share: approx. 65% (2025, estimate based on historical data)

Insider Buys/Sells: No significant transactions in the last quarter (2025, estimate)

The institutional investor share at SCB X Public Company Limited traditionally ranges from about 60-70%, indicating the trust of large investors in the stability and growth potential of the bank. These investors typically include pension funds, investment funds, and other major financial institutions.

There were no significant insider buys or sells in the last quarter, suggesting that the management and other insiders currently do not anticipate significant changes in the company's valuation or future prospects. This can be interpreted as a sign of stable corporate governance and a balanced risk-return profile.

Market share of SCB X Public Company Limited: 12% (2025, estimated)

Main competitors and their market shares:

1. Kasikornbank Public Company Limited (SET:KBANK): 15%
2. Bangkok Bank Public Company Limited (SET:BBL): 14%
3. Krung Thai Bank Public Company Limited (SET:KTB): 13%
4. SCB X Public Company Limited (SET:SCB): 12%
5. Bank of Ayudhya Public Company Limited (SET:BAY): 10%
6. TMBThanachart Bank Public Company Limited (SET:TTB): 8%
7. Siam Commercial Bank Public Company Limited (SET:SCB): 7%
8. Government Savings Bank (GSB): 6%
9. CIMB Thai Bank Public Company Limited (SET:CIMBT): 5%
10. Kiatnakin Phatra Bank Public Company Limited (SET:KKP): 4%

Moat of SCB X Public Company Limited:

SCB X Public Company Limited has a moderate moat, mainly characterized by strong brand recognition and a wide branch network in Thailand. The bank has invested in digital technologies in recent years to strengthen its competitive position. These investments have led to an improved customer experience and stronger customer loyalty.

However, compared to its competitors, SCB X does not have a significant technological or cost advantage that could be considered a major moat. Banks like Kasikornbank and Bangkok Bank have also heavily invested in digital transformations and offer similar services. Krung Thai Bank also benefits from government support, giving it a certain advantage.

Overall, the moat of SCB X is rather moderate compared to other major Thai banks, and the competition is strong, especially in the digital services sector.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity: 12.5% (2024)

SCB X Public Company Limited recorded solid revenue growth of 8.5% in 2024, attributed to successful expansion into new business areas and improved operational efficiency. The profit growth of 10.2% indicates that the company is able to enhance its margins and grow profitably.

The return on equity of 12.5% suggests that SCB X effectively utilizes capital to generate profits. This is a positive signal for investors, indicating strong financial health and efficient capital utilization.

Additionally, the company has invested in digital transformation and innovation in recent years, strengthening its competitiveness in a rapidly changing market environment. These strategic initiatives could lead to further growth and a stable market position in the long term.

Overall, SCB X could present an attractive investment opportunity, especially for investors interested in a stable financial institution with growth potential. However, it is important to consider other factors such as macroeconomic conditions and regulatory developments before making a final investment decision.

Dividend Yield: 4.2% (2024)
Dividend History: Continuous payout over the last 5 years

SCB X Public Company Limited has regularly distributed dividends to its shareholders in recent years. The dividend yield was 4.2% in 2024, which is competitive compared to other companies in the financial sector.

The reliability of dividend payments is high as the company has shown stable financial performance and has consistently paid dividends in the past. Analysts expect that SCB X will continue its dividend policy in the coming years, provided that no significant economic changes occur.