17 Mar 2026 - Thai Credit Bank Public Company Limited (CREDIT) has fortified its financial standing and commitment to sustainable growth as its Board of Directors recently resolved to propose a dividend payment of THB 0.98 per share for the 2025 fiscal year. This total payout, exceeding THB 1,210.14 million, represents a Dividend Payout Ratio of 30.15% of net profit, marking a significant increase from previous years to reflect the Bank’s historic earnings.
The Bank has designated May 6, 2026, as the Ex-Dividend (XD) date, with the Record Date to determine shareholders entitled to dividends set for May 7, 2026. The cash dividend payment is scheduled for May 22, 2026 following the proposal's approval at the upcoming Annual General Meeting of Shareholders (AGM) to be held on April 24, 2026. This dividend increase underscores Thai Credit Bank’s robust financial stability and ample liquidity, reinforcing its capacity to support future growth and expansion.
Mr. Roy Agustinus Gunara, Chief Executive Officer of Thai Credit Bank PCL, stated that the Bank’s exponential growth to its aggressive market penetration, prudent loan expansion, and a stringent risk management framework. For the 2025 fiscal year, the Bank achieved an all-time high net profit of THB 4,016 million, representing a 10.8% year-on-year increase. Furthermore, the total loan portfolio expanded by THB 18,707.0 million, or 11.5%, reaching a total of THB 181,865.6 million by year-end. This achievement highlights not only quantitative growth but also the Bank's operational efficiency in maintaining a high-quality, balanced portfolio despite a challenging economic environment.
The Bank’s core business units maintained a notable growth trajectory, with the Personal loans and others grew by 41.6%. Concurrently, Micro SME loans and Home-for-Cash products grew by 13.1% and 10.6%, respectively. Financially, the Bank recorded a Return on Equity (ROE) of 16.3%, the highest within the Thai Banking industry, while sustaining a powerful Net Interest Margin (NIM) of 7.7%. Such comprehensive growth across all dimensions illustrates the Bank’s precision in serving the needs of retail customers, micro-entrepreneurs, and the underbanked.
Furthermore, Mr. Roy expressed his sincere gratitude to shareholders, customers, and all stakeholders for their unwavering trust and continued support. He reaffirmed that Thai Credit Bank remains dedicated to delivering optimal returns and long-term value to all groups, in accordance with the Bank’s core philosophy, “Everyone Matters.” This commitment underscores the Bank’s mission to enhance equal and fair access to financial services while empowering customers to achieve sustainable financial well-being and long-term stability.
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