SAK expects its loan portfolio to continue expanding in the second half of the year, driving full-year growth of around 10% as targeted. A key driver is farmer loans, which have grown well every quarter, with particularly clear growth in the second quarter of 2026, and this momentum is expected to carry into the third quarter of 2026. However, the company remains concerned about risk factors from the El Niño phenomenon, which could have a significant impact from the fourth quarter of this year into early next year, as well as higher production costs due to the conflict in the Middle East, especially diesel and fertilizer prices, which have surged sharply from around 900 baht per sack to 1,400 to 1,500 baht. On the risk management front, the company acknowledges that non-performing loan signals are trending upward. The current NPL ratio has edged up slightly to around 2.7%, and the company aims to keep it from exceeding 2.7% to 2.8%, even though the maximum ceiling is set at 3%. It will focus on prudent lending and close management of Stage 2 debt.
Saksiam Leasing Public Company LimitedExpects full-year loan growth of 10%, driven by farmer loans, indicating strong demand for its lending products.