Siam Commercial Bank Public Company Limited Siam Commercial Bank Public Company Limited (SMCBF) operates as Thailand's first and leading universal bank, providing a comprehensive range of financial services including deposits, lending, retail banking products such as home loans, personal credit, car hire purchase, credit cards, ATM and debit cards, currency exchange, overseas remittances, investment and insurance products; corporate and SME services encompassing cash management, trade finance, treasury products, debt and capital market products, corporate advisory and investment banking; and wealth management solutions. Founded in 1906 by royal charter and headquartered at 9 Ratchadaphisek Road in Bangkok, the bank serves retail, corporate, SME and institutional clients primarily in Thailand with a network of over 600 branches and 10,000 ATMs, while maintaining international operations including branches in Vietnam and Myanmar. Its key subsidiaries include SCB Securities for brokerage, SCB Asset Management for investment funds and SCB Life Assurance for insurance. In recent developments, the bank consolidates its retail operations under a new Consumer Banking Group in September 2025, merging retail banking, wealth, bancassurance and digital units to enhance customer lifecycle support through smarter AI-integrated branches and upskilled financial advisors. It pursues acquisition of Home Credit Vietnam for $851 million, anticipated completion in early 2025 to expand consumer finance in Southeast Asia via its parent SCBX Group. Additional strategic shifts focus on core institutional and wealth management segments, digital migration of transactions and global wealth partnerships.