KResearch summarized the loan and deposit data of the 17 commercial banks registered in Thailand as of the end of January 2026 as follows:
- Net loans and accrued interest receivables (Loans) stood at THB13.48 trillion as of the end of January 2026, down 1.67% YoY, compared with a 1.50% YoY contraction in December 2025. This marked the 20th consecutive month of loan contraction. KResearch assesses that overall loans in 2026 are likely to continue shrinking for the third consecutive year, due to several ongoing constraints, including borrowers' increased caution in taking on new debt, economic fragility, and banks' lending practices that are aligned with borrowers' financial capabilities.
- Deposits stood at THB16.50 trillion as of the end of January 2026, up 2.18%YoY, compared with 2.19% YoY in December 2025. Growth continued to be driven by savings and current deposits. For special fixed‑deposit campaigns launched in January 2026, the number of new campaigns launched was close to those maturing, with most remaining short‑term. Banks continue to prioritize managing deposit costs at appropriate levels, given that overall liquidity remains high while loan recovery continues to face limitations.
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