Investor FAQ

Thai Credit Bank is the first and only commercial bank that focuses on providing loan services to Nano and Micro Finance and Micro SME. The main income structure comes from loans to debtors, which divided into 4 main group as follows

• Micro SME Loan
• Nano and Micro Finance Loan
• Home Loan
• Personal Loan

Deposits remain the key funding source for Thai Credit Bank, as a lower cost of funds compared to other sources.

Please visit “Major Shareholders” for more information

Thai Credit Bank has a policy to pay dividends from 2024 to 2027 at a rate of approximately 5% to 20% of net profits in each of the above years. Prior to considering and approving the dividend payment each time, the bank must comply with the law and consider compliance with the requirements set in the dividend payment policy. You can see more details at "Dividend Policy and Payments"

Thai Credit Bank had established a silent period of 2 weeks prior to the release of the financial statement to the Stock Exchange of Thailand. As such, the Investor Relations department will declined all meeting appointments nor provide any information related to the financial statement to investors, analysts, and shareholders with the exception of addressing the fact, public information, or factual events that affects the share price.

Thai Credit Bank requires directors and executives, those holding management positions in the accounting or finance related, including department manager level or equivalent, employees in departments involved with inside information are prohibited in participating in any trading activities at least 30 days before the release of quarterly and annual financial statements and within 24 hours after the disclosed such financial information to the public.