Thai Credit Bank, a microfinance lender focused on SMEs, plans to grow its credit portfolio to 200 billion baht in 2026 (double-digit growth) while maintaining NPL ratio below 4.5%. The bank is countering Virtual Bank competition through its network of 500 branches and relationship managers who understand local merchants better than purely digital systems. Key initiatives include new debt consolidation products, digital transformation on cloud infrastructure, and a target ROE of 20%.