Mitihoon – Thai Credit Bank (CREDIT) reported net profit of 925.2 million Baht for 2Q/2025, growing by 12.8% year-on-year. The bank recorded a net profit of 1,828.2 million Baht for the first half of 2025, an increase of 44.0% compared to the same period of the previous year. Earnings per share stood at 0.75 Baht for 2Q/2025 and 1.48 Baht for the first half, reflecting the bank’s growth potential under a management approach that prioritizes prudence in navigating through the volatile economic environment.
The key factor for driving the bank’s growth was the ability to maintain an expansion in total loans outstanding, which stood at 171,661.8 million Baht as of the end of 2Q/2025, representing an increase of 13.0% from the same period of the previous year. The bank successfully grew its loan portfolio across all major segments compared to last year. For the details of each loan category, Micro SME (MSME) loans grew by 14.3%, Home Equity loans expanded by 13.3%, and Personal loans increased notably by 66.6%. In addition, the expected credit loss declined by 36.7% from the previous year as a result of the bank’s prudent credit risk management and its ongoing debtor assistance measures, such as the “You Fight, We Help” program, which contributed to the improvement in asset quality. Although the net interest margin (NIM) decreased from the previous year, it remained high at 7.6%.
On the asset quality control, the bank managed effectively by maintaining the gross NPLs ratio at 4.3%. Meanwhile, the NPL coverage ratio remained high at 154.4% and increased slightly from the same period of the previous year, ensuring an ability to withstand potential economic uncertainties ahead. This aligns with the bank’s strategy that continues to emphasize prudent operations.
Mr. Roy Agustinus Gunara, Chief Executive Officer of Thai Credit Bank Public Company Limited (CREDIT), stated, “Despite facing economic challenges, Thai Credit Bank continues to move forward with a strategy that prioritizes prudence and strict financial discipline. In 2025, the bank remains confident in targeting continuous double-digit loan growth while maintaining the NPL ratio below 4.5%. Using the strategy that focuses on sustainable growth for all customer groups through an understanding and connection with customers, standing by side of customers in driving their business growths as well as fostering financial equality.”
In 2Q/2025, Thai Credit Bank launched a new deposit branch on Nimmanhaemin Road in Chiang Mai to actively expand its market presence in key northern cities and support business growth in this major economic area of the region. The bank continues to advance its comprehensive financial services, including deposit services, mortgage loans, and financial advisory, to facilitate customer needs to create an experience where customers can conveniently and efficiently conduct their financial transactions at the branch.
Mr. Roy added, “The bank is committed to its policy of promoting access to formal funding sources for merchants through continuously providing loan services for small entrepreneurs. Currently, the bank has offered loans to more than 250,000 merchants, with a total loan amount exceeding 21,000 million Baht. To further enhance customer experience, particularly for merchant groups, the bank recently launched the ‘Micro Pay e-Wallet with new feature’ under the concept of “Customer-Centric & Inclusion-First”, designed to make trading more convenient and faster while also supporting more efficiency in financial management as well as fostering the usage of digital money, building a new customer base, strengthening long-term relationships, and serving as the foundation of continuity in developing products and services which ultimately lay the foundation for financial literacy among microentrepreneurs to grow sustainably within the economic system.”
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