KResearch summarized the loan and deposit data of the 17 commercial banks registered in Thailand as of the end of April 2026 as follows:
- Net loans and accrued interest receivables (Loans) stood at THB13.82 trillion as of the end of April 2026, which is an increase of 1.04%YoY. This marked the first return to growth after 22 consecutive months of contraction (since June 2024). However, financial institutions continue to adopt a prudent lending approach, mainly due to geopolitical uncertainties, particularly tensions in the Middle East, which could affect Thailand's already fragile economy. Under such conditions, financial institutions prioritize maintaining asset quality while closely monitoring and assisting vulnerable borrowers.
- Deposits stood at THB16.88 trillion as of the end of April 2026, up 3.76%YoY. This growth was mainly driven by increases in savings and current deposits, while fixed deposits declined in line with the downward trend in interest rates. For special fixed‑deposit campaigns launched in April 2026, financial institutions slowed the launch of new campaigns as overall liquidity remained high and sought to reduce the share of high-cost deposits amid a declining interest rate environment to manage deposit costs appropriately.
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