May 29, 2026 – Thai Credit Bank Public Company Limited has announced an outstanding growth in its micro SME and SME segments in Q1 2026, getting ahead the overall market trend. The Bank's micro SME and SME portfolio exceeded over 128,000 million baht, 15.7% growth year-on-year (YoY), amid an ongoing challenging economy and a continued decline of approximately 4% (YoY) in the overall SME portfolio of the commercial banking system. This reflects the success of Thai Credit's micro SME and SME which reflects the entrepreneurs' liquidity needs. From the positive response on "SME Kla Chuai", the Bank has launched a new advertising video to strengthen product and brand awareness.
Mr. Natus Kittawaranon, Senior Executive Vice President of Micro SME Business Group, Thai Credit Bank said: "Following the launch of 'SME Kla Chuai', we have received a positive response from entrepreneurs who are seeking working capital to boost liquidity and sustain their businesses during the economic slowdown. This success demonstrates that Thai Credit's products genuinely address the real needs of entrepreneurs."
"Q1 2026 performance shows that our micro SME and SME portfolio grew by 15.7% YoY — a significant growth against other commercial banking system, which continued to decrease by approximately 4%, as reported in the Bank of Thailand's Commercial Banking System Summary for Q1 2026, resulting from elevated credit risks in line with the economic slowdown."
"This growth reaffirms Thai Credit's role as a financial institution that truly understands and supports micro SME and SME entrepreneurs, especially during times when businesses urgently need assistance. We have shown our commitment through the new video, reinforcing our positioning as the financial institution who is ready to 'STANDBY SME' through every crisis," Mr. Natus concluded.
SME Kla Chuai video is now available on Facebook and YouTube at Thai Credit Bank SME กล้าให้.
SME Kla Chuai is a business loan secured by real estate — including vacant land and land with structures such as buildings, factories, warehouses, residences, and condominiums — available for both individual and corporate entrepreneurs. Maximum loan amount is 20 million baht with a 10-year-term loan. Key feature is its flexible assessment of repayment capacity under the Bank of Thailand's "SMEs Secure+" framework, which allows financial institutions to temporarily relax repayment capacity by evaluating collateral value alongside the borrower's cash flow.
Interest rates for juristic persons: Minimum — fixed at 12.99% per annum for the first 3 years; MRR+3.39% per annum from the fourth year onwards. Maximum — fixed at 17.99% per annum for the first 3 years; MRR+8.39% per annum from the fourth year onwards.
Interest rates for individuals: Minimum — fixed at 13.99% per annum for the first 3 years; MRR+4.39% per annum from the fourth year onwards. Maximum — fixed at 18.99% per annum for the first 3 years; MRR+9.39% per annum from the fourth year onwards.
(The reference MRR interest rate is based on Thai Credit Bank Public Company Limited Announcement No. 3/2026, effective from 1 April 2026. The current MRR is 9.60% per annum. Floating interest rates may increase or decrease according to the Bank’s announcements on www.thaicreditbank.com)
For more information, interested customers may visit https://sme.thaicreditbank.com or contact the STANDBY Assistant at 02-095-5999.
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