Management Discussion and Analysis Company name : THAI CREDIT BANK PUBLIC COMPANY LIMITED Year : 2026 Quarter : Quarter 3 Ending : 30-Sep-2026 This announcement was prepared and disseminated by listed company or issuer through the electronic system which is provided for the purpose of dissemination of the information and related documents of listed company or issuer to the Stock Exchange of Thailand only. The Stock Exchange of Thailand has no responsibility for the correctness and completeness of any statements, figures, reports or opinions contained in this announcement, and has no liability for any losses and damages in any cases. In case you have any inquiries or clarification regarding this announcement, please directly contact listed company or issuer who made this announcement. If you would like to see the full details of this information, please click view "full details" in attached file.
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Thai Credit Bank Public Company Limited is a commercial bank providing comprehensive credit services and financial solutions. The company offers a range of loan products, including personal loans, home equity loans, refinancing facilities, and trade credit for foreign trade transactions. It specifically targets the Micro Small and Medium Enterprise (Micro SME) sector, merchants, and nano-finance customers. The bank also provides foreign exchange services and fixed deposit products, such as the Happy Senior account. Thai Credit Bank serves retail and corporate customers in Thailand, focusing on accessible credit solutions with fast approval processes and flexible repayment terms. Summarised from the company's own disclosures |
Industry Banks - Regional | Homepage thaicreditbank.com |
| Sector Financial Services | IR page investor.thaicreditbank.com | |
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Tags
micro-sme lending, personal loans, trade credit, refinancing, nano-finance, foreign exchange, fixed deposits, Happy Senior, Micro Plus, SME Kla Chuea, Refinance Plus
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Press page — |
Metrics
| Valuation | |
|---|---|
| Market cap | ฿ 28.278B |
| P/E | 6.51 |
| P/BV | 0.94 |
| P/S | 1.48 |
| P/OCF | 13.42 |
| P/FCF | — |
| Dividend yield | 4.3% |
| Turnover / mcap | — |
| Returns | |
|---|---|
| ROE | 16.3% |
| ROI | 15.3% |
| ROIC | 15.3% |
| Profit margin | 21.0% |
| Growth | |
|---|---|
| Revenue growing | Yes |
| Profits growing | Yes |
| Revenue up 3y | Yes |
| Revenue up 5y | — |
| Quality | |
|---|---|
| Profitable | Yes |
| Margin expanding | No |
| Buying back stock | No |
| Diluting (TTM) | No |
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| News sentiment (TTM) | 18 |
| Quality score | 50.0% |
| Insiders | |
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| Figure | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Revenue | 19.145B | 18.701B | 16.604B | 13.451B |
| Net profit | 4.016B | 3.624B | 3.557B | 2.353B |
| Figure | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Share price | 15.5 | 18.5 | 0 | 0 |
| P/BV | 0.76 | 1.04 | 0 | 0 |
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Sign UpAnnouncements the company filed with the Stock Exchange of Thailand, newest first. Many are the filing itself as an attachment. Press releases from the company's own website, newest first.
Summary of operating result form (F45) THAI CREDIT BANK PUBLIC COMPANY LIMITED (In thousands) Financial Statement Quarter 3 9 Months Unreviewed Unreviewed Ending 30 September 30 September Year 2026 2025 2026 2025 Profit (loss) 1,239,003 1,013,482 3,392,941 2,841,674 attributable to equity holders of the Company * EPS (baht) 1.01 0.82 2.75 2.30 *For consolidated financial statements Please see details in financial statements from SET SMART "The company hereby certifies that the information above is correct and complete." Signature ___________________________ ( Mr. Roy Agustinus Gunara ) Chief Executive Officer Authorized Persons to Disclose Information ______________________________________________________________________ This announcement was prepared and disseminated by listed company or issuer through the electronic system which is provided for the purpose of dissemination of the information and related documents of listed company or issuer to the Stock Exchange of Thailand only. The Stock Exchange of Thailand has no responsibility for the correctness and completeness of any statements, figures, reports or opinions contained in this announcement, and has no liability for any losses and damages in any cases. In case you have any inquiries or clarification regarding this announcement, please directly contact listed company or issuer who made this announcement. If you would like to see the full details of this information, please click view "full details" in attached file.
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