Ratinan Wongwatcharanon, Director of Investor Relations and Corporate Communications at Thai Credit Bank Public Company Limited (SET: CREDIT), revealed that the bank is expected to maintain its target for the total loan portfolio at 180 billion baht in 2025. This will support the company’s total revenue for a double-digit growth for the year.
Meanwhile, she noted that the non-performing loan should remain within the target range of around 4.30-4.40%, following the decline in the third quarter from 4.50% to 4.20%. She highlighted that due to the difference in customer base between Thai Credit and other banks, its NPL is typically higher, but is offset by higher margin.
Looking ahead to 2026, the bank forecasts that the NPL ratio will stabilize between 4.30–4.50%, which is considered an optimal level for risk management and does not affect the bank’s ability to expand lending to retail business customers, a segment with above-average risk compared to the commercial banking sector.
Thai Credit Bank also prioritizes maintaining asset quality by tightening its loan underwriting standards to align with weaker debtor quality amidst the economic slowdown. At the same time, the bank is accelerating the restructuring of loans for customers showing early signs of financial trouble.
This emphasises that entering negotiations and restructuring debt at an early stage helps reduce the chance of bad debt and gives customers access to additional credit for proper debt management.
Moreover, government support measures remain crucial factors that enable the bank to efficiently support grassroots clients, especially those in areas affected by disasters and liquidity problems.
