Mitihoon – Thai Credit Bank Public Company Limited (CREDIT) held its 2025 Analyst Meeting, reporting stronger than expected operating results and outlining its 2026 business direction. Thai Credit Bank targets double digit loan growth while maintaining effective risk management and continued investment in digital systems, reinforcing its accessible banking model to drive sustainable growth across all segments of society.
Mr. Roy Agustinus Gunara, Chief Executive Officer of Thai Credit Bank PCL, stated that the Bank’s 2025 performance exceeded expectations, particularly in expected credit losses (ECL) and asset quality, which improved to their strongest levels in several years. As a result, the Bank achieved a record high net profit of THB 4,016 million, up 10.8% year on year. Total loans grew by 11.5% to THB 181.9 billion. Asset quality strengthened significantly, with credit costs declining from 2.6% to 1.8%, while the non-performing loan (NPL) ratio improved to 4.2%, underscoring the Bank’s operational efficiency and disciplined risk management.
“In 2026, Thai Credit Bank aims to strike a balance between double digit loan growth and disciplined risk management, supported by government stimulus measures such as the Quick Big Win Program and the SME Credit Boost Program, which will enhance access to financing more effectively. We believe this represents genuine and sustainable growth that will strengthen confidence among investors and all stakeholders in the long term,” Mr. Roy added.
The Bank also plans continued investment in digital transformation to achieve a fully integrated Digital Core Banking platform, enhancing productivity and supporting future expansion. Through its new digital platform, the Bank intends to broaden access to financial services for self-employed and underserved segments.
This strategic direction reaffirms Thai Credit Bank core philosophy, “Everyone Matters” which serves as a fundamental driver of the organization. Thai Credit Bank remains committed to becoming “Thai Credit Bank that everyone can access” fostering sustainable growth while creating long term value for Thailand’s grassroots economy and society.
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