Thai Credit Reports SME Loan Portfolio Up 55% in First Half

Thai Credit Bank reported that its small merchant and vendor loan portfolio surpassed 2.1 trillion baht in the first half of 2026, with new lending jumping 55 percent year-on-year. Deputy Managing Director Kamphol Puridithsakul revealed the second-quarter results, showing the combined portfolio reached 21.814 billion baht with a continuously expanding customer base.

The growth reflects grassroots entrepreneurs' ongoing commitment to business expansion despite high costs and volatile purchasing power. Field surveys by the bank's credit analysis team show small business operators are notably adapting to changing conditions, requesting higher revolving credit lines to expand operations and increasingly integrating technology to boost business capacity. This demonstrates that the bank's borrowers are preparing to weather economic volatility and transitioning into digital systems at greater scale.

Kamphol stated that the first-half results prove the determination and resilience of small merchants and operators, who continue developing their businesses regardless of circumstances. He emphasized that Thai Credit's role extends beyond merely providing loans or capital access—the bank functions as a partner that supports and builds solid foundations for the small business community.

Throughout the first half, the bank implemented comprehensive support programs for small operators, including creating business signage to boost trading opportunities and conducting financial literacy training nationwide through its "Tangkhot Know-how" program, designed to build economic resilience. The bank also awarded educational scholarships to borrowers' children to ease family financial burdens, reflecting Thai Credit's commitment to building strong foundations and pursuing sustainable growth across all dimensions with small business partners.

For the second half of 2026, Thai Credit remains committed to developing credit products and financial services tailored to business needs, enabling entrepreneurs to access capital conveniently, quickly, and appropriately. The bank will enhance digital services through its MicroPay e-Wallet app and promote QR code merchant payment scanning to leverage transaction data for future lending decisions, broadening capital access opportunities.

Thai Credit believes that providing credit alone is insufficient for long-term growth; the bank must simultaneously promote capacity-building activities, knowledge transfer, and continuously develop new credit products. The bank's ultimate goal is not merely portfolio growth but witnessing borrowers' businesses thrive with stable income and sustainable livelihoods.