Mitihoon – Thai Credit Bank Public Company Limited (CREDIT) announced its performance results for the year 2025 with the record-high net profit of 4,016.3 million Baht, representing an increase of 10.8 percent compared to the previous year. In 4Q/2025, Thai Credit Bank recorded a net profit of 1,174.6 million Baht, marking a continued increase of 15.9 percent from the previous quarter. The key driver were the loan growth, an increase in other operating income which was an accrued income from FIDF compensation and a significant reduction in expected credit losses (ECL) due to the improvement of borrowers’ ability to repay debts and better loan quality. For the full year, earnings per share stood at 3.25 Baht and 0.95 Baht for 4Q/2025 earnings, reflecting the Bank’s strong business model and effective risk management amidst ongoing economic challenges.
The key driver of growth for the full year of 2025 was the loan growth which increased by 18,707.0 million Baht or 11.5 percent from the previous year, resulting in total loan outstanding of 181,865.6 million Baht, in line with the Bank’s target. Accordingly, Thai Credit Bank continued to maintain strong growth in its core business segments, especially Micro SME (MSME) business loans which grew by 13.1 percent, mortgage-backed loans which increased by 10.6 percent, and personal loans which recorded a significant growth of 41.6 percent. This reflects the Bank’s ability to expand its loan portfolio in a quality-focused and balanced manner.
Meanwhile, through proactive risk management and continuous enhancement of asset quality, Thai Credit Bank successfully reduced ECL by 22.3 percent compared to the previous year. This achievement resulted from proactive credit risk management and the effectiveness of ongoing debtor support measures, such as the “You Fight, We Help” program, which played a significant role in clearly improving the Bank’s asset quality. The gross non-performing loan (NPLs) ratio stood at 4.2 percent. Although the net interest margin (NIM) slightly declined from the previous year, the Bank was able to maintain a high level at 7.5 percent, reflecting its effective management of revenue structure and funding costs. Furthermore, the return on equity (ROE) in Q4/2025 remained high compared to the industry average at 18.27 percent.
Mr. Roy Agustinus Gunara, Chief Executive Officer of Thai Credit Bank Public Company Limited (CREDIT), stated, “The success of our 2025 performance resulted from the prudent expansion of the loan portfolio alongside a customer-centric strategy designed to always meet the needs of entrepreneurs. Thai Credit Bank is committed to continuously enhancing its service capabilities to strengthen the foundation of the grassroots economy. At the same time, the Bank maintains confidence in its long-term growth potential, with a target to sustain double-digit loan growth. The Bank also places strong emphasis on prudent risk management, aiming to keep the non-performing loan (NPL) ratio below 4.5 percent to reinforce sustainable confidence among all stakeholders.”
Under the philosophy of “Everyone Matters,” Thai Credit Bank has adopted environmental, social, and governance (ESG) principles as part of the core of its organizational development, to “serve the underserved.” The Bank emphasizes balancing business growth with environmental preservation and long-term social development in Thailand, with the goal of promoting equitable access to financial services. In 4Q/2025, Thai Credit Bank received national recognition through several awards, including an “A” rating in the 2025 SET ESG Ratings by the Stock Exchange of Thailand, the Sustainability Disclosure Recognition award from the Thaipat Institute, and a 5-star or “Excellent” CG scoring for the second consecutive year, as well as the “Creativity Awards” and “The Financial Changemaker Award” from the Securities and Exchange Commission (SEC).
“These awards and achievements reaffirm that Thai Credit Bank is not solely focused on financial returns. We are committed to creating a balance between performance, environmental stewardship, and uplifting Thai society to ensure that everyone has equal and sustainable access to financial opportunities,” Mr. Roy added.
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