LINE BK is building upon its role as an “Everyday Financial Partner,” currently serving over 8.4 million customers. The company aims to expand its services in three main areas: financial transactions, loans, and insurance, to enhance liquidity and reduce risk.

Mr. Thana Pothikamjorn, CEO of Kasikorn LINE Co., Ltd., revealed that LINE BK is committed to developing financial services to support Thais as an ‘Everyday Financial Partner,’ aiming to make money management more convenient by integrating essential financial services onto LINE in one place. This is driven by three key strengths: (1) the robust LINE ecosystem that connects services to user behavior; (2) expertise in finance and risk management from Kasikornbank; and (3) the appropriate use of AI and data to enhance the user experience, ensuring both convenience and security, all under prudent operations.

By 2025, LINE BK aims to have a total customer base of 8.4 million, growing approximately 14% from the previous year, and continues to expand across all service groups. In the lending business, there are approximately 900,000 loan customers, an increase of about 20%, with total outstanding loans exceeding 27 billion baht. Meanwhile, the insurance business continues to grow, with first-year premium (AFYP) increasing by 30%. In terms of performance, total revenue grew by 35%, while the company was able to control expenses according to its targets. Combined with the good quality of its portfolio, this resulted in a net profit, reflecting the strength of its business model and its ability to expand financial services to meet real-world needs. This confirms its readiness to continue developing its role as an “Everyday Financial Partner.”

The Thai economy in 2026 remains fragile, with the Bank of Thailand forecasting low GDP growth of only 1.5%, which may limit the recovery of purchasing power. Businesses are also likely to slow investment and hiring while awaiting clarity on post-election policies. Furthermore, other factors such as the strong baht impacting exports and tourism, as well as pressure from protectionist trade policies and international conflicts, are significant variables driving up costs and further challenging the Thai economy. To support customers in this challenging economic climate, LINE BK continues to upgrade its financial services to be a reliable alternative. This includes access to emergency funding and effective money management tools to transform uncertainty into stable flexibility through three main service groups:

Financial Transactions: Enhancing the user experience to be “easier and safer” to accommodate daily spending habits, with new features planned to help manage daily finances more systematically and conveniently.

Lending Services*: Supporting appropriate access to funding under the Bank of Thailand’s Responsible Lending principles, coupled with expanding collaboration with partners such as Lalamove, Rabbit Care, and LINE MAN Wongnai to increase financial opportunities for self-employed individuals and partner customer bases. Simultaneously, focusing on driving Financial Inclusion through the development of a more accurate credit scoring system to select suitable customer groups, resulting in wider loan approval reach while maintaining portfolio quality and loan amounts tailored to individual capabilities.

Insurance Brokerage Services**: Developing services under the concept of “Easy Purchase, Affordable Payment, Completed in LINE” to mitigate risks from unforeseen events in volatile economic conditions, with plans to launch new products by 2026 to provide more comprehensive and affordable coverage options. And customers can purchase them themselves within LINE.

Mr. Thana stated, “In 2026, LINE BK will continue to build on its growth by focusing on expanding its customer base on the LINE platform, which people use in their daily lives. This will be a key strength of LINE BK in making financial services more accessible and personal. We aim for continuous customer base growth at a rate of 10-15% per year, while outstanding loans are expected to grow at a rate of 20-30% by the end of this year. We will continue to prioritize maintaining the non-performing loan (NPL) rate at no more than 3%, and will continue to expand insurance products to provide more comprehensive coverage and better meet customer needs. Overall, the company will continue to maintain efficient management to support sustainable positive growth in financial performance, coupled with enhancing LINE BK's role as a financial platform that grows alongside its users in the long term.”

*Recommendation for loan products: Borrow only what you need and can afford to repay. Interest rates on loan facilities are 18%-25% per year. Interest rates on nano loans are 33% per year.

**Recommendation for insurance products: LINE BK Insurance Broker, as an insurance broker, underwrites insurance through Muang Thai Life Assurance Public Company Limited. Please study the coverage details, terms and conditions, and exclusions before deciding to purchase insurance.

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