Mitihoon – Thai Credit Bank (CREDIT) reported a net profit of 1,013.5 million Baht for 3Q/2025, continuously increasing by 9.5 percent from the previous quarter, the main factor was the increase in interest income of 114.0 million Baht or 2.6 percent, together with the profit from fair value measurement for financial assets measured at fair value through profit or loss of 84.8 million Baht. While the net profit for the first nine months of 2025 stood at 2,841.7 million Baht, an increase of over 16.9 percent compared to the same period of the previous year. Earnings per share stood at 0.82 Baht for 3Q/2025 and 2.30 Baht for the nine-month period, reflecting the Bank’s continued growth potential under a management approach that prioritizes prudence in navigating a still-volatile economic environment.
The key driver behind this growth was the Bank’s ability to maintain an expansion in total loan outstanding, which reached 177,670.2 million Baht as of the end of 3Q/2025, representing an increase of 12.7 percent from the same period of the previous year. The Bank maintained strong growth in its core portfolio, particularly Micro SME (MSME) business loans, which grew by 14.6 percent, Home Equity loans grew by 11.3%, and Personal loans by 55.3%.
In addition, expected credit loss declined by 24.1 percent from the previous year, reflecting the Bank’s effective credit risk management and ongoing debtor support measures such as the “You Fight, We Help” program, which played a significant role in improving asset quality. The gross NPL ratio slightly dropped to 4.2 percent. Although the net interest margin (NIM) decreased from the previous year, it remained high at 7.6 percent.
Mr. Roy Agustinus Gunara, Chief Executive Officer of Thai Credit Bank Public Company Limited (CREDIT), stated that, “Thai Credit Bank continues to prudently expand its loan portfolio under a strong risk management framework, while advancing its digital platforms to expand a quality customer base across all segments and drive sustainable outcomes, even amid economic challenges. In 2025, the Bank remains confident in achieving continued double-digit loan growth while maintaining the NPL ratio below 4.5%.”
In 3Q/2025, Thai Credit Bank opened new full-service branches in key commercial and economic locations, including Nimmanhaemin Road in Chiang Mai, V.One Tower, and Central Park. These branches function as integrated financial centers, bringing the total number of branches to 33. The expansion is aimed at acquiring new customer segments and supporting the Bank’s strategy to drive robust growth in both lending and its branch network.
Mr. Roy added, “The Bank is committed to providing equitable access to financial services, with a strategic focus on the small business and Micro SME (MSME) segment, which is often underserved by larger banks due to higher risk. Thai Credit Bank differentiates itself through a low-cost small-branch model that enables close engagement with customers at the community level. We are also moving forward with a Responsible Banking approach to deliver stable and sustainable returns over the long term.” In addition, the Bank’s operational strength has been recognized both nationally and internationally, including:
- Fitch Ratings: Thai Credit Bank received its first credit rating at ‘A(tha)/F1(tha)’ with a Stable Outlook, reflecting the Bank’s strong financial position and long-term creditworthiness.
- Sustainability Award: Recognized as “Human Rights Awards” for 2025 at the “Good” level.
- Social Award: Received an honorary award for its Financial Discipline Promotion Campaign for the second consecutive year.
These achievements highlight the Bank’s ability to generate stable returns while conducting business with genuine commitment to governance and social responsibility, in alignment with its philosophy: “Everyone Matters”
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