Krungsri (Bank of Ayudhya PCL (SET: BAY) and its business units) today announced its 2026 business direction centered on the strategic theme “ONE Krungsri for a Sustainable Future.” The roadmap outlines a unified approach that integrates Krungsri’s capabilities and strengths across domestic and international networks. By leveraging advanced AI and data analytics, Krungsri aims to support customers in overcoming challenges and achieving sustainable growth amid global economic shifts. Under this framework, Krungsri reaffirms its long-term commitment to building a more sustainable society, raising its social and sustainable finance portfolio target to 350 billion baht by 2030.
At the press conference, Mr. Kenichi Yamato, Krungsri President and Chief Executive Officer, said, “Amid the structural challenges Thailand is facing, as a Domestic Systemically Important Bank (D-SIB), Krungsri recognises that our role must go beyond providing credit. We are committed to being a trusted partner that strengthens the economy and stands alongside households and SME entrepreneurs, enabling them to move forward. In 2026, we will continue to advance sustainability in every dimension through the ONE Krungsri for a Sustainable Future strategic theme, uniting the strength of all Krungsri business units in Thailand and across our ASEAN network, together with MUFG, to deliver seamless experiences and solutions for our customers. Our ultimate goal is not solely Krungsri’s growth, but to build long-term resilience for customers, the business sector, and Thailand’s economy as a whole.”
Mr. Yamato added, “Krungsri has identified five structural priorities to help lay the foundation for sustainable growth for customers, the business sector, and the Thai economy. First, easing Thailand’s household debt so people can regain financial stability through a three-level approach: immediate assistance to enhance liquidity during crises; collaboration with the government to ensure debt-relief measures reach those who truly need support; and sustainable household debt solutions through debt restructuring aligned with individual repayment capacity, alongside financial literacy support. Second, enhancing SMEs, the backbone of Thailand’s economy, so they can survive, thrive, and grow sustainably. Third, driving Thailand’s competitiveness by supporting future industries and investment while connecting regional opportunities through collaboration among the public sector, industry players, and educational institutions. Fourth, advancing climate action to enable a tangible and inclusive transition to a low-carbon economy across all sectors. Last but not least, building financial trust by upholding transparency and stability to build lasting trust in Thailand’s financial ecosystem.”
2026 Strategic Pillars
Krungsri has set three strategic pillars to guide the organization towards its goals:
- Customer First: Elevate the end-to-end customer experience through personalised financial solutions and seamless connectivity across services to address the diverse lifestyles and needs of retail customers, business clients, and investors.
- Transform with AI & Technology: Accelerate the adoption of AI and digital technologies to boost operational efficiency and strengthen risk management, while modernising IT infrastructure and core banking systems to capture future business opportunities.
- ONE Krungsri Collaboration: Strengthen collaboration across Krungsri business units to deliver integrated financial solutions for both retail and corporate customers, leveraging MUFG’s global network to support regional growth.
ONE Krungsri in Action: Turning Strategy into Execution
Krungsri is transforming its vision into concrete actions through key initiatives designed to elevate the customer experience. By embedding life-stage intelligence into banking models, Krungsri is developing financial solutions that address the diverse and personalised needs of retail and individual customer segments. Simultaneously, Krungsri plans to revamp its service channels to fully integrate its digital platforms, including the mobile applications, branches, and contact centers. This integration will provide a seamless “One Stop Service” experience. Additionally, the Bank remains committed to advancing Sustainable Finance & Capacity Building and creating holistic value through investment banking advisory and integrated risk management. By leveraging the global MUFG network, Krungsri will continue to drive best-in-class service through digital innovation and data-driven technology.
2026 Outlook and Long-Term Strategic Targets
For 2026, Krungsri targets loan growth of 2–4% and an overall net interest margin (NIM) of 4.0–4.3%, of which domestic NIM is 3.25–3.50% and a cost-to-income ratio in the mid-40% range. In parallel, Krungsri will continue advancing its sustainability mission toward tangible progress on Net Zero, raising its Social and Sustainable Finance portfolio target to 350 billion baht. This strategic focus aims to deliver financial solutions that empower the value chain and foster sustainable, long-term prosperity.
“Krungsri’s goal is to achieve balanced growth across performance, innovation, and social responsibility. We are driving the organisation toward a new era of finance — one in which services are truly seamless, powered by technology and strategic partnerships. By doing so, we are opening new doors of opportunity for our customers, our partners, and the community,” Mr. Yamato concluded.
