Thailand<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t

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Thailand’s banking system is showing resilience in 2025, despite slowing economic growth and high household debt burdens (~90% of GDP).
The economy is recovering thanks to tourism and domestic demand, but lending activity remains subdued.
<\/em><\/strong><\/p>

Key NPL Indicators<\/h3>

• NPL Rate: 2.84% (2025)<\/li>
• NPL Volume: ~536 billion baht<\/li>
• Stage 2 Loans: ~7.07%<\/li>
• NPL Peak: ~3.1% (2020)<\/li>
• Household Debt: ~90% of GDP<\/li><\/ul>

  \u00a0<\/h3>

  NPL Dynamics<\/h3>

  2018 \u2014 3.08%
  2020 \u2014 3.1%
  2023 \u2014 2.31%
  2025 \u2014 2.84%<\/p>

  Structure of Problem Assets<\/h3>

  • Main Risk: SME and Consumer Lending<\/li>
  • High Share of Restructured Loans<\/li>
  • Significant «Hidden Risk» through Stage 2<\/li><\/ul>

    \u00a0<\/h3>

    Institutional Model<\/h3>

    Thailand uses a hybrid model:<\/em><\/strong><\/p>

    • AMCs (Asset Management Companies)<\/li>
    • Government Support Measures<\/li>
    • Restructuring Programs<\/li>
    • Limited Development of the Secondary Market<\/li><\/ul>

      \u00a0<\/h3>

      Key Risks<\/h3>

      • High household debt burden<\/li>
      • Weak SMEs<\/li>
      • Slowing lending (-1.1% in 2025)<\/li>
      • Growth of Stage 2 assets<\/li><\/ul>

        \u00a0<\/h3>

        Conclusion<\/h3>

        Thailand is an example of a controlled but «latently tense» NPL market:<\/p>

        • Low official NPLs<\/li>
        • High potential risk<\/li>
        • Focus on restructuring<\/li><\/ul>

          Model: «soft resolution»<\/strong><\/p>

          Previously published information<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

          Thailand Thailand's banking system is showing resilience in 2025, despite slowing economic growth and high household debt burdens (~90% of GDP).The economy is recovering thanks to tourism and domestic demand, but lending activity remains subdued. Key NPL Indicators NPL Rate: 2.84% (2025) NPL Volume: ~536 billion baht Stage 2 Loans: ~7.07% NPL Peak: ~3.1% (2020) Household Debt: ~90% of GDP \u00a0 NPL Dynamics 2018 \u2014 3.08%2020 \u2014 3.1%2023 \u2014 2.31%2025 \u2014 2.84% Structure of Problem Assets Main Risk: SME and Consumer Lending High Share of Restructured Loans Significant \"Hidden Risk\" through Stage 2 \u00a0 Institutional Model Thailand uses a hybrid model: AMCs (Asset Management Companies) Government Support Measures Restructuring Programs Limited Development of the Secondary Market \u00a0 Key Risks High household debt burden Weak SMEs Slowing lending (-1.1% in 2025) Growth of Stage 2 assets \u00a0 Conclusion Thailand is an example of a controlled but \"latently tense\" NPL market: Low official NPLs High potential risk Focus on restructuring Model: \"soft resolution\" Previously published information<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-14918","page","type-page","status-publish","hentry"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":8}},"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"eugene","author_link":"https:\/\/fpl.kz\/?author=1"},"rttpg_comment":0,"rttpg_category":" English<\/a>","rttpg_excerpt":"Thailand Thailand's banking system is showing resilience in 2025, despite slowing economic growth and high household debt burdens (~90% of GDP).The economy is recovering thanks to tourism and domestic demand, but lending activity remains subdued. Key NPL Indicators NPL Rate: 2.84% (2025) NPL Volume: ~536 billion baht Stage 2 Loans: ~7.07% NPL Peak: ~3.1% (2020)…","_links":{"self":[{"href":"https:\/\/fpl.kz\/index.php?rest_route=\/wp\/v2\/pages\/14918","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fpl.kz\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fpl.kz\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fpl.kz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fpl.kz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14918"}],"version-history":[{"count":7,"href":"https:\/\/fpl.kz\/index.php?rest_route=\/wp\/v2\/pages\/14918\/revisions"}],"predecessor-version":[{"id":14934,"href":"https:\/\/fpl.kz\/index.php?rest_route=\/wp\/v2\/pages\/14918\/revisions\/14934"}],"wp:attachment":[{"href":"https:\/\/fpl.kz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14918"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}