Thailand
Thai commercial banks reported an NPL ratio of 2.82% and loan growth of 2.0% year on year in Q2 2026, while household debt stood at 85.2% of GDP in Q2 2026 and the Bank of Thailand held the policy rate at 1.00% in October 2026.
- Last updated
- 7 Nov 2026
- Latest data as of
- 28 Oct 2026
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Net reserves including the net forward position: USD 304.7bn.
As reported by KResearch, which puts Q1 2026 at 86.0%; the same 85.2% was reported by Reuters (2026-10-08). Q1 2026 was first published by the Bank of Thailand at 85.9%. Loan classification revised from Sep 2025 (backdated to Sep 2024).
| 2025Q1 | 2.9 |
|---|---|
| 2025Q2 | 2.91 |
| 2025Q3 | 2.94 |
| 2025Q4 | 2.84 |
| 2026Q1 | 2.85 |
| 2026Q2 | 2.82 |
Gross NPL (Stage 3) ratio of the Thai banking system (licensed banks and their subsidiaries), end of quarter, from the Bank of Thailand Banking Sector Quarterly Brief · Source: Bank of Thailand, Banking Sector Quarterly Brief (Q1 2025 - Q2 2026) (2025Q1, 2025Q2, 2025Q3, 2025Q4, 2026Q1, 2026Q2) Each value as first published in that quarter's brief; later revisions are not reflected.
| 2025Q1 | -1.3 |
|---|---|
| 2025Q2 | -0.9 |
| 2025Q3 | -1 |
| 2025Q4 | -1.1 |
| 2026Q1 | 0.2 |
| 2026Q2 | 2 |
Loans of the Thai banking system (licensed banks and their subsidiaries), y/y at quarter-end, from the Bank of Thailand Banking Sector Quarterly Brief · Source: Bank of Thailand, Banking Sector Quarterly Brief (2025Q1, 2025Q2, 2025Q3, 2025Q4, 2026Q1, 2026Q2) Each value as first published in that quarter's brief; later revisions are not reflected.
| 2024Q2 | 90.2 |
|---|---|
| 2024Q3 | 89.4 |
| 2024Q4 | 88.8 |
| 2025Q1 | 87.5 |
| 2025Q2 | 87.2 |
| 2025Q3 | 87.3 |
| 2025Q4 | 87.5 |
| 2026Q1 | 86.7 |
Credit to households and non-profits from all sectors at market value / GDP, BIS total credit statistics, adjusted for breaks (Q.TH.H.A.M.770.A) · Source: BIS total credit statistics, series Q.TH.H.A.M.770.A
| 2026-05 | 2.79 |
|---|---|
| 2026-06 | 2.42 |
| 2026-07 | 1.95 |
| 2026-08 | 2.53 |
| 2026-09 | 2.82 |
| 2026-10 | 3.9 |
Year-on-year change in the headline consumer price index, Ministry of Commerce (TPSO) · Source: Ministry of Commerce (TPSO) monthly CPI releases as reported by Xinhua, Kaohoon International and The Nation (2026-05, 2026-06, 2026-07, 2026-08, 2026-09, 2026-10)
Key indicators and definitions
Compilers differ; compare like with like.| Indicator | Value | Definition and scope | Basis date | Source | Definition and source |
|---|---|---|---|---|---|
| Commercial bank NPL ratio | 2.82%vs 2.85% in Q1 2026 | Gross non-performing loans / total loans, Thai commercial banks (BOT)Commercial banking system | 30 Jun 2026 | Bank of Thailand: Banking Sector Quarterly Brief (Q2 2026) (2026-08-18) | Definition and sourceGross non-performing loans / total loans, Thai commercial banks (BOT) Scope: Commercial banking system Source: Bank of Thailand: Banking Sector Quarterly Brief (Q2 2026) (2026-08-18) |
| Gross international reserves | USD 280.1bnNet reserves including the net forward position: USD 304.7bn. | Gold, SDRs, IMF reserve position and foreign currency reserves, marked to marketBank of Thailand official reserves, weekly | 18 Sep 2026 | Bank of Thailand, EC_XT_031 International Reserves (weekly), updated 25 Sep 2026 | Definition and sourceGold, SDRs, IMF reserve position and foreign currency reserves, marked to market Scope: Bank of Thailand official reserves, weekly Source: Bank of Thailand, EC_XT_031 International Reserves (weekly), updated 25 Sep 2026 |
| Household debt to GDP | 85.2%As reported by KResearch, which puts Q1 2026 at 86.0%; the same 85.2% was reported by Reuters (2026-10-08). Q1 2026 was first published by the Bank of Thailand at 85.9%. Loan classification revised from Sep 2025 (backdated to Sep 2024). | Household debt outstanding / GDPAll lenders to households | 30 Jun 2026 | KResearch (Kasikorn Research Center): Thai household debt may ease to 84.0% of GDP in 2026 (2026-10-12) | Definition and sourceHousehold debt outstanding / GDP Scope: All lenders to households |
| Commercial bank loan growth, y/y | 2.0% | Year-on-year growth of commercial bank loansCommercial banking system | 30 Jun 2026 | Bank of Thailand: Banking Sector Quarterly Brief (Q2 2026) (2026-08-18) | Definition and sourceYear-on-year growth of commercial bank loans Scope: Commercial banking system Source: Bank of Thailand: Banking Sector Quarterly Brief (Q2 2026) (2026-08-18) |
| Bank of Thailand policy rate | 1.00%unchanged from the 26 August 2026 decision | One-day repurchase rate set by the BOT Monetary Policy CommitteeThailand, BOT Monetary Policy Committee | 28 Oct 2026 | Bank of Thailand: Monetary Policy Committee's Decision 5/2026 (2026-10-28) | Definition and sourceOne-day repurchase rate set by the BOT Monetary Policy Committee Scope: Thailand, BOT Monetary Policy Committee Source: Bank of Thailand: Monetary Policy Committee's Decision 5/2026 (2026-10-28) |
| Bank of Thailand policy rate | 1.00%As reported by ADB. | One-day repurchase rate set by the BOT Monetary Policy CommitteeMonetary policy | 31 Aug 2026 | ADB: Developing Southeast Asia, Asian Development Outlook September 2026 (2026-09-23) | Definition and sourceOne-day repurchase rate set by the BOT Monetary Policy Committee Scope: Monetary policy Source: ADB: Developing Southeast Asia, Asian Development Outlook September 2026 (2026-09-23) |
29 articles on Thailand
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