NPL ratio reaches 10.92%
NPLs accounted for 10.92% of loans in the NCB dataset, with about 80,000 accounts classified as non-performing.
The ratio was 3.3% higher than a year earlier, according to the figures cited by Surapol.
The NCB ratio was also higher than the 9.5% reported by the Bank of Thailand because the bureau’s database includes lenders other than commercial banks.
Debt requiring special attention accounted for another 4.95% of credit, equivalent to about 121 billion baht.
Although the value of these loans fell by 9.3%, they still covered approximately 67,500 accounts, leaving a substantial group of borrowers at risk of slipping into NPL status.
Preventive restructuring rises to 330 billion baht
Debt restructuring after loans had already become non-performing totalled 222 billion baht, down 3.4%, covering about 46,700 accounts.
Preventive restructuring carried out before borrowers became non-performing rose more sharply.
The value of these arrangements reached 330 billion baht, up from 250 billion baht in June 2025, while the number of accounts increased to 85,900 from 64,700.
The increase indicates that more borrowers are being brought into restructuring before their repayment problems deteriorate into NPLs.
Surapol argued that early intervention remained important because businesses that were still capable of recovering could otherwise move into non-performing status.
