SCB X PCL Sees 2025 Net Interest Margin Of 3.6%-3.8%

SCB X PCL SCB:

• SEES 2025 NET INTEREST MARGIN OF 3.6-3.8%

• IN 2024, NET INTEREST MARGIN EXPANDED BY 12 BPS YOY TO 3.85%

• AS AT DEC 31, CONSOL CAPITAL ADEQUACY RATIO 18.9%

• SEES 2025 LOAN GROWTH OF 1-3%, NET FEE INCOME GROWTH OF 2-4%, COST TO INCOME RATIO OF 42-44%