Thai Credit Bank eyes double digit loan growth in 2026

It expects to hire more employees to support its larger loan portfolio.

Thai Credit Bank (CREDIT) expects double-digit loan growth in 2026 and is hiring more people to support this larger loan portfolio.

The Thailand-based bank expects loan growth to come between 10%-15% in 2026, according to CGS International, based on talks during its financial conference.

CREDIT’s management expects key loan growth drivers to be micro small and medium enterprise (SME) loans, home equity loans, and unsecured personal loans.

Micro SME loans made up 68% of CREDIT’s total loans in Q3 2025, whilst home equity loans made up 15% and unsecured personal loans 5% of the quarter’s total.

CREDIT expects to hire more employees in relationship management positions and debt collection units to support its larger loan portfolio in 2026. It does not expect a higher cost-to-income ratio, saying that new staff recruitment will support revenue growth next year.

As for the floods, CREDIT’s asset quality and income is expected to be mildly affected in Q4 2025. It has 10 branches in the flooded area in Songkhla province, whilst loan exposure is 3% or THB5.5b of its total loans in Q3 2025.