LINE BK continues to advance its 2026 business plan, reinforcing its role as an “Everyday Financial Partner” to help customers manage money more easily and confidently on LINE amid ongoing economic uncertainty and volatility.
LINE BK reported a total customer base of over 8.4 million. The platform integrates essential financial services—Banking (financial transaction), Lending, and Insurance Brokerage —within the LINE application to support liquidity, reduce risks, and help customers navigate financial challenges with prudence.
Mr. Tana Pothikamjorn, Chief Executive Officer of KASIKORN LINE Co., Ltd., said: “LINE BK is committed to developing financial services that support Thai customers as an ‘Everyday Financial Partner.’ Our aim is to make financial matters simpler and more accessible by bringing essential financial services together on LINE in one place—leveraging three key strengths:
(1) the robustness of the LINE ecosystem that connects services in line with user behavior, (2) KASIKORNBANK’s expertise in finance and risk management, and (3) the appropriate use of AI and data to enhance the user experience that is both convenient and secure—while maintaining prudent operations.”
2025 Performance Highlights
In 2025, LINE BK’s total customer base stood at 8.4 million, growing by approximately 14% year-on-year, with continued expansion across all service areas. In lending, LINE BK served around 900,000 loan customers — an increase of around 20% year-on-year—with an outstanding loan balance exceeding THB 27 billion.
The insurance business also maintained strong momentum, with annualized first-year premium (AFYP) up 30%. In terms of financial performance, total revenue increased by 35%, while the company kept expenses in line with targets.
Together with a portfolio quality that remained within a healthy range, LINE BK achieved a net profit, reflecting the strength of its business model and its ability to scale financial services that meet real-life needs—reinforcing readiness to continuously advance its “Everyday Financial Partner” role.
Economic Outlook and LINE BK’s Priorities for 2026
Thailand’s economy in 2026 remains fragile. Based on projections by the Bank of Thailand, GDP growth is expected to be only around 1.5%, which may limit the recovery of purchasing power. Businesses may also delay investment and hiring while awaiting clearer policy direction following the election. In addition, a stronger baht could weigh on exports and tourism, while trade protectionism and geopolitical tensions remain key variables that could raise costs and add further pressure to Thailand’s economic landscape.
To support customers amid economic constraints, LINE BK will continue enhancing its financial services as a reliable option—providing access to funds in emergencies and effective tools for money management — turning uncertainty into greater financial flexibility and stability through three core service areas as follows:
1. Banking (financial transaction): Enhancing the experience to be “easier and safer” to support everyday spending behaviors, while preparing to launch new features that help customers manage personal finances more systematically and conveniently.
2. Lending*: Supporting appropriate access to funding under the Bank of Thailand’s Responsible Lending principles, while expanding collaborations with partners such as Lalamove, Rabbit Care, and LINE MAN Wongnai to broaden financial opportunities for self-employed individuals and partner customer bases.
At the same time, LINE BK continues to advance financial inclusion by enhancing its risk screening and credit assessment (credit scoring) to improve accuracy in identifying suitable customer segments. This enables broader access to credit approvals, while maintaining portfolio quality and setting credit limits aligned with individual affordability.
3. Insurance Brokerage**: Developing services under the concept of “Easy to buy, light to pay, all done within LINE,” helping customers reduce risks from unexpected events amid economic volatility. LINE BK also plans to launch new products in 2026 to broaden protection options—at accessible prices—and enable customers to choose and purchase by themselves on LINE.
Mr. Tana concluded: “In 2026, LINE BK will continue to drive growth by expanding our customer base on LINE—a platform people use in everyday life. This is a key strength of LINE BK in making financial services more accessible and convenient in daily life on a familiar platform. We aim to sustain customer base growth at around 10–15% per year, with outstanding loans expected to grow by approximately 20–30% by the end of this year, while keeping the non-performing loan (NPL) ratio at no more than 3%.
We will also continue to expand our insurance product portfolio to offer more comprehensive protection and better meet customers’ needs. Overall, we will maintain efficient and prudent management to support sustainable, positive performance growth, while further strengthening LINE BK’s role as a trusted financial companion in daily life—growing alongside our users in the long term.”
* Borrow when necessary and within your means. Interest rates for Credit Line is 18%-25% per year, and Nano Credit Line is 33% per year.
**LINE BK Insurance Broker operates as a life insurance brokerage. Insured by Muang Thai Life Assurance PCL.
