Mitihoon – Thai Credit Bank Public Company Limited (“CREDIT”) has been assigned a National Long-Term Rating of ‘A(tha)’ and a National Short-Term Rating of ‘F1(tha)’, with a Stable Outlook, by Fitch Ratings (Thailand). This recognition underscores the Bank’s strong business management capabilities and prudent risk management practices, reflecting its consistent and resilient growth performance.
This rating by Fitch Ratings (Thailand) reflects Thai Credit Bank’s niche business model, focusing on micro-SME lending segment, its record high profitability over the past several years, its sound financial buffers, its loan growth that is higher-than-industry, and its strong profitability driven by a high net interest margin (NIM).Fitch Rating expects the Bank’s earning performance to remain above the sector average in the near term.
Thai Credit Bank’s overall performance has achieved double-digit growth, driven by effective loan portfolio and credit quality management. In the first half of 2025, the Bank reported a net profit of THB 1,828.2 million, representing an increase of over 44% year-on-year. For the quarter, net profit stood at THB 925.2 million, up 12.8%, underscoring the Bank’s strong capability in delivering efficient and sustainable financial results.
Mr. Roy Agustinus Gunara, Chief Executive Officer of Thai Credit Bank PCL, stated “Being assigned the ‘A(tha)/F1(tha)’ ratings by Fitch Ratings reaffirms the Bank’s financial strength and stability, as well as our prudent business practices. We are committed to striking the right balance between loan portfolio expansion and asset quality control, in order to deliver sustainable long-term returns.”
In addition to its solid financial results, Thai Credit Bank continues to differentiate itself through its Responsible Banking strategy, which links business growth with support for the grassroots economy. Leveraging its strengths in reaching micro-entrepreneurs and local merchants across the country, the Bank is also advancing digital financial innovations to empower customers to achieve sustainable growth, while fostering financial discipline among micro-SMEs to ensure long-term stability.
At the same time, the Bank remains committed to prudent risk management and asset quality control, laying a solid foundation for balanced long-term growth delivering returns to shareholders while creating social value for all stakeholders, in line with its philosophy, “Everyone Matters”
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