Thai Credit Bank (CREDIT) targets 200 billion baht in total lending for 2025 with expected ROE approaching 20%, up from 16.1% in H1 2025. The bank is aggressively expanding into underserved Micro SME segments through new products like Micro Max (500K–1M baht) and digital platforms leveraging QR Code transaction data. H1 results show strong momentum: lending up 6.7% YoY to 194 billion baht, profit up 17.8%, with Micro SME loans growing 17%. Risk management remains disciplined: NPL target of ~4%, Credit Cost at 1.8%, Coverage Ratio near 150%.