Thai Credit Bank reports net profit of THB 1,165 million in 1Q26, surge 29% YoY, delivering a high ROE of 17.3%

Thai Credit Bank Public Company Limited (CREDIT) reported its financial results for the first quarter of 2026, posting net profit of THB 1,164.7 million, up 29.0% from the same period last year. The Bank also achieved a remarkable Return on Equity (ROE) of 17.3%, a result that reflects the Bank's business resilience despite the challenging economic environment. Growth was driven primarily by the expansion of its total loan portfolio, which increased by 3.8% from the end of 2025, supported by continued growth across its core lending segments. Earnings per share stood at THB 0.94, highlighting the Bank's operating efficiency and its ability to deliver sustainable returns to stakeholders. This performance was supported by the Bank's flexible business model, together with prudent and effective risk management.

Regarding asset quality, the Bank reduced expected credit loss (ECL) by 29.7% YoY, driven by proactive risk management and the continued implementation of debtor assistance measures, including the Quick Big Win and SME Credit Boost programs. As a result, asset quality improved noticeably, with the gross NPL ratio remaining stable at a low level of 4.2%. Although the net interest margin (NIM) declined due to the direction of interest rate policy, the Bank maintained a strong NIM of 7.0%, reflecting its effective management of funding costs and loan portfolio structure.

Mr. Roy Agustinus Gunara, Chief Executive Officer of Thai Credit Bank Public Company Limited (CREDIT), said, "Thai Credit Bank remains committed to a strategy of balanced and sustainable growth, with a strong focus on disciplined asset quality management, alongside improving the efficiency of loan portfolio management and funding costs, in order to navigate volatile external factors."

"At the same time, the Bank is currently working on upgrading its operating systems toward a fully integrated Full Digital Banking Platform to support the significant growth in transaction volumes, while also strengthening its long-term risk management capabilities."

In addition, Thai Credit Bank continues to develop the organization into a financial institution that small business operators can access with ease, with the aim of creating broader, more equitable and fair financial opportunities, while supporting customers in achieving long-term financial resilience.

"The quarter's performance reflects the Bank's success in combining business growth with effective risk management, which serves as an important foundation for advancing Thai society together," Mr. Roy added.

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