Thai Credit Bank Public Company Limited (CREDIT) has announced its business direction for 2026, focusing on the strategy of quality growth, 'Quality Growth'. The bank plans to significantly enhance its platform, supporting the 'Core Banking - Digital Banking' system to expand its customer base among Micro SMEs and those lacking access to financial services. The bank reported a net profit of 4,016 million baht for 2025, a growth of 10.8%, with a return on equity (ROE) soaring to 16%, the highest in the Thai banking industry.

Mr. Roy Augustinus Gunara, CEO of Thai Credit Bank Public Company Limited, stated that in 2026, the bank will continue to adhere to a balanced and sustainable growth strategy, aiming for a double-digit growth rate in its core loan portfolio while strictly managing asset quality. This will be underpinned by a customer-centric strategic pillar through the design of highly flexible products, alongside advancing Digital Core Banking to enhance capabilities for retail customers and to prepare for uncertainties from external volatile factors by managing the quality of SME loans rigorously. The bank aims to maintain its net interest margin (NIM) ratio in a declining interest rate environment. With support from government initiatives such as Quick Big Win and SME Credit Boost, the bank is confident it can drive loan portfolio growth to achieve its double-digit target while ensuring long-term financial stability.

The key investment focus for Thai Credit Bank in 2026 will be driven by two main pillars:

  1. Launching a new platform, 'alpha SME', in the first quarter of 2026 to build on the success of migrating the Micro Pay system's database to the new platform, which was completed at the end of last year.
  2. Establishing a new infrastructure foundation by upgrading the bank's core operating system to a fully digital banking platform for accurate data analysis and effective risk management, while accommodating new financial innovations and a significant increase in transaction volumes in the future.

The business expansion approach is based on strong performance across all dimensions. In 2025, the bank achieved a total net profit of 4,016 million baht, growing by 10.8%. In the final quarter, Q4/2025, it recorded a profit of 1,175 million baht, a growth of 15.9% QoQ, while maintaining a high ROE of 16.3%, the most outstanding in the Thai banking sector. Meanwhile, total loans grew significantly to 181.9 billion baht, an increase of 11.5% YoY, and the net interest margin (NIM) remained strong at 7.7%, despite facing a policy interest rate cut.

In terms of risk management, Thai Credit Bank has proactively controlled asset quality, with the non-performing loan (NPL) ratio decreasing to 4.2% from 4.4% the previous year. The credit cost also significantly dropped by 22.3% YoY to 1.83%, reflecting discipline in managing the loan portfolio and controlling financial costs effectively amidst a volatile economic environment.

The success in management stems from a solid foundation with an efficiently diversified loan portfolio. By the end of 2025, the bank had a total customer base of over 305,928, covering key customer groups such as Micro SMEs and Nano/Micro Finance, alongside driving sustainability strategies through the 'Tangkoh Know-how' project, which has been a vital tool in promoting financial skills to customers and the public for over nine years, reaching over 308,782 participants nationwide. This has become a crucial mechanism in building financial resilience and sustainably reducing the rate of non-performing loans (NPL).

“Thai Credit Bank will continue to adhere to the philosophy that Everyone Matters, delivering business growth through the Quality Growth strategy to create outstanding and sustainable returns for shareholders, customers, and society,” concluded the CEO of Thai Credit Bank.