Thai Credit Bank, or CREDIT, has unveiled its plan for the second half of 2026 to accelerate the expansion of its micro-SME, nano, and micro-credit loan base, following the slowdown in lending by major banks. The bank targets year-end outstanding loans of 200 billion baht, up from 194 billion baht in the first half, and growth of 13% year-on-year. Chief Executive Officer Roy Agustinus Gunara said the strength of the SME customer group lies in its high adaptability, keeping NPL at 4.3%, lower than the industry average of 9%, and helping maintain ROE at 16.1%, with a full-year target of 16-20%. Meanwhile, NIM is expected to be in the range of 7.5-8%. The bank views the slowdown in lending by competitors as an opportunity to support customers, and it also benefits from government measures such as Thai Chuay Thai Plus.
Thai Credit PclCREDIT is accelerating expansion of its micro-SME, nano, and micro-credit loan base, targeting 200 billion baht in outstanding loans, up 13% year-on-year.
