BANGKOK, Thailand – Thai Credit Bank is stepping up its focus on Micro-SME lending in the second half of 2026, targeting a total loan portfolio of Bt200 billion by year-end after first-half loans grew 6.7% to Bt194 billion. Roy Augustine Gunara, chief executive officer of Thai Credit Bank Plc (CREDIT), said the bank will pursue a “quality growth” strategy, expanding lending while maintaining strict risk controls. The bank plans to use risk-based pricing, adjusting interest rates according to individual customer risk profiles to balance loan growth with asset quality.
Thai Credit will also continue its “Dare to Give, Dare to Fight, Dare to Help” initiative to improve access to funding for small business operators amid continued economic uncertainty. The bank is expanding products in the Micro segment, including Micro Max, offering loans of Bt500,000 to Bt1 million for larger wholesale and retail operators, and Nano Finance, with loans of up to Bt100,000.
SME customers currently account for 68% of the bank’s outstanding loan portfolio. Nano Finance customers represent 83% of the total customer base but account for only 11% of outstanding loans, indicating further room to expand lending to smaller borrowers. Thai Credit aims to keep its non-performing loan ratio between 4.2% and 4.3% this year while maintaining a coverage ratio close to 150%. Credit cost is targeted at 1.8%.
The bank is also accelerating its digital strategy through MicroPay E-wallet and Alpha by Thai Credit. MicroPay E-wallet now has more than 600,000 users, providing a growing customer base and data source for developing tailored financial products and improving risk management. Financial literacy remains another focus through the “Tangto Know-how” program, now in its ninth year, which aims to improve customers’ financial knowledge and potentially reduce long-term credit risks.
During the first half of 2026, Thai Credit’s loan portfolio increased 6.7% year-on-year to Bt194 billion, while net profit jumped 17.8%. Interest income rose 6.8%, with net interest margin at 7.2% and return on equity improving to 16.1%, from 15.5% a year earlier. “We aim to bring the loan portfolio to Bt200 billion by the end of the year,” Gunara said. With its large Micro-SME customer base, Thai Credit is betting that risk-based pricing, tighter asset-quality controls and expanded digital services will allow it to continue growing while maintaining profitability and financial strength.
