The year 2025 marks another significant period for Thailand’s financial and banking sector, amid widespread economic volatility and external pressures. However, Thai Credit Bank (SET: CREDIT) has demonstrated its resilience and adaptability by driving the organization with a balanced and cautious approach, alongside a systematic risk management framework, while remaining committed to standing by and supporting small business operators and micro-entrepreneurs who represent the Bank’s core customer base, in navigating through these challenging times.
Overview of operating performance and operational management, for the first nine months of 2025, Thai Credit Bank (CREDIT) recorded an accumulated net profit of 2,842 million THB, representing a notable increase of 16.9 percent compared to the same period of the previous year. This year’s operational success is attributed to the Bank’s ability to maintain a balance between loan portfolio growth and asset quality control.
The year began with a focus on targeting quality customer segments, alongside effective credit cost management to maintain an appropriate level. This strategy led to strong loan portfolio growth, resulting in a net profit of 903 million THB in the first quarter.
In the second quarter, despite the continued economic slowdown, the Bank was able to sustain consistent loan portfolio growth. In the third quarter, the Bank demonstrated improved capabilities in credit quality control, counter to the overall industry trend. The non-performing loan (NPL) ratio declined to 4.2 percent, down from 4.5 percent in 3Q/2024, reflecting the effectiveness of the Bank’s risk management processes and debtor support measures. As a result, quarterly net profit continued to grow, reaching 1,014 million THB.
Product Development Strategy for liquidity support, throughout 2025, the Bank focused on a “Customer Centric” approach by developing and offering loan products tailored to meet the evolving needs of entrepreneurs at different stages. The design of flexible credit solutions and rapid access to liquidity enabled entrepreneurs to effectively manage their businesses in response to changing economic conditions. This served as a key driver in propelling the total loan portfolio to reach 177,670 million THB at the end of the nine-month period.
In 2025, the Bank expanded its loan product offerings to comprehensively serve all customer segments through the launch of the “Tao kae Yai Loan”, designed to support working capital and create business expansion opportunities for small-scale merchants and offers a credit line of up to 500,000 THB without the need for collateral. In parallel, the Bank introduced the “Wholesale Market Loan”, specifically tailored for wholesale traders, with a maximum credit line of 1,000,000 THB. Additionally, the Bank focused on expanding its MSME customer base by launching the “SME Kla Su Loan”, which applies a risk-based pricing policy to offer flexible and fair lending terms aligned with each customer’s financial capacity. These strategic initiatives were key drivers behind the Bank’s outstanding loan growth and contributed to achieving its early-year targets.
Furthermore, the Bank focused on expanding digital financial access through the enhancement of the “Micro Pay e-Wallet” application, which is specifically developed for small-scale merchants, to facilitate over 320,000 fresh market vendors in accessing financial services more conveniently, while also enabling them to manage their finances more systematically and with greater flexibility. In parallel, the Bank’s digital platform also supports the development of a robust data driven transaction database, which enhances the accuracy of credit assessments for the Nano and Micro Finance segment, thereby creating greater opportunities for small-scale customers to access formal lending channels in a more inclusive and sustainable manner in the future.
In the fourth quarter, the Bank continued to strengthen the foundation of the grassroots economy through strategic collaboration with leading partners, joining forces with Thai Paiboon Insurance Public Company Limited launching a suite of insurance products under the concept “Understand, Protect, and Care,” designed specifically to meet the needs of micro-entrepreneurs and small-scale merchants by offering the “SCAN & PROTECT” package, which provides comprehensive protection across all dimensions of risk including property, vehicles, and natural disasters, while also partnering with Thai Health Insurance Public Company Limited to introduce enhanced health coverage through the “Critical Illness Safety” plan, covering both critical illnesses and accidents along with income compensation benefits, serving as a protective shield that enables customers to continue operating their businesses and living their lives with confidence in every situation.
In terms of branch network expansion, the Bank continued to enhance its service capabilities by opening three new full-service branches in high-potential locations, including Nimmanhemin Road in Chiang Mai, V Vonn Tower , and Central Park Branch, to effectively meet the growing needs of customers across all segments. At the same time, the Bank reinforced its leadership in deposit products through the high interest “Fixed Deposit Tanjai” campaign, which is designed to deliver value and offer flexibility in savings across various deposit tenors of 8 months, 10 months, and 12 months, serving as a reliable and rewarding savings option for those seeking long-term financial stability.
As a result of its performance and commitment to delivering financial solutions and excellent services to customers and society, the Bank has been recognized with numerous prestigious national and international awards and certifications across multiple dimensions. In the area of business and finance, the Bank was assigned a corporate credit rating of ‘A(tha)/F1(tha)’ by Fitch Ratings and was listed on the Fortune Southeast Asia 500 ranking for the second consecutive year by Fortune magazine. In corporate governance, the Bank was certified as a member of the Thai Private Sector Collective Action Coalition Against Corruption (Thai CAC) and received a 5-star rating in the Corporate Governance Report for the second consecutive year by the Thai Institute of Directors (IOD) in collaboration with the SET and SEC. In social responsibility and human rights, the Bank received the Financial Discipline Campaign Award for the second year in a row and the Human Rights Model Organization Award. Lastly, in the environmental dimension, the Bank received the Leading ESG Award from the Future Trends 2025 platform, was certified with ISO 14064-1 by BSI, received the Carbon Footprint for Organization (CFO) certification, and achieved an “A” rating in SET ESG Ratings from the Stock Exchange of Thailand for the first time.
The year 2025 represents a defining chapter for Thai Credit Bank, highlighting the resilience of its business model built on the principle of creating financial sustainability for every customer group, in line with the philosophy of “Everyone Matters.” This affirms the Bank’s core mission to be truly accessible to all. The Bank’s performance throughout the year demonstrated an exceptional ability to navigate economic uncertainty while ensuring financial stability. These accomplishments are evident not only in strong operating results but also in the Bank’s strategic readiness to become a foundational force for the grassroots economy, driving Thailand’s business and social development into the future with strength and purpose.
