{"id":1150558,"date":"2026-08-15T19:40:36","date_gmt":"2026-08-15T19:40:36","guid":{"rendered":"https:\/\/www.europesays.com\/uk\/1150558\/"},"modified":"2026-08-15T19:40:36","modified_gmt":"2026-08-15T19:40:36","slug":"thai-sme-bad-loans-hit-10-92-as-credit-growth-weakens","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/uk\/1150558\/","title":{"rendered":"Thai SME bad loans hit 10.92% as credit growth weakens"},"content":{"rendered":"<p><strong>NPL ratio reaches 10.92%<\/strong><\/p>\n<p>NPLs accounted for 10.92% of loans in the NCB dataset, with about 80,000 accounts classified as non-performing.<\/p>\n<p>The ratio was 3.3% higher than a year earlier, according to the figures cited by Surapol.<\/p>\n<p>The NCB ratio was also higher than the 9.5% reported by the Bank of Thailand because the bureau\u2019s database includes lenders other than commercial banks.<\/p>\n<p>Debt requiring special attention accounted for another 4.95% of credit, equivalent to about 121 billion baht.<\/p>\n<p>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.<\/p>\n<p><strong>Preventive restructuring rises to 330 billion baht<\/strong><\/p>\n<p>Debt restructuring after loans had already become non-performing totalled 222 billion baht, down 3.4%, covering about 46,700 accounts.<\/p>\n<p>Preventive restructuring carried out before borrowers became non-performing rose more sharply.<\/p>\n<p>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.<\/p>\n<p>The increase indicates that more borrowers are being brought into restructuring before their repayment problems deteriorate into NPLs.<\/p>\n<p>Surapol argued that early intervention remained important because businesses that were still capable of recovering could otherwise move into non-performing status.<\/p>\n<p>                <img decoding=\"async\" src=\"https:\/\/www.europesays.com\/uk\/wp-content\/uploads\/2026\/08\/1786822836_393_lg-webp.webp\" alt=\"Thai SME bad loans hit 10.92% as credit growth weakens\" class=\"img-fluid w-100 showcaption-false\" style=\"width: 1820px; height: 1024px;\" width=\"1820\" height=\"1024\" loading=\"lazy\"\/>\n            <\/p>\n","protected":false},"excerpt":{"rendered":"NPL ratio reaches 10.92% NPLs accounted for 10.92% of loans in the NCB dataset, with about 80,000 accounts&hellip;\n","protected":false},"author":2,"featured_media":1150559,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[3090],"tags":[156158,1500,51,1700,312882,312881,8447,16,15],"class_list":["post-1150558","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economy","tag-bad-loans","tag-breaking-news","tag-business","tag-economy","tag-national-credit-bureau","tag-npls","tag-smes","tag-uk","tag-united-kingdom"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@uk\/117101228905111554","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/1150558","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/comments?post=1150558"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/posts\/1150558\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media\/1150559"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/media?parent=1150558"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/categories?post=1150558"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/uk\/wp-json\/wp\/v2\/tags?post=1150558"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}