KResearch summarized the loan and deposit data of the 17 commercial banks registered in Thailand as of the end of July 2026 as follows:
- Net loans and accrued interest receivables (Loans) stood at THB13.96 trillion as of the end of July 2026, expanding by 2.79% YoY, compared with 1.93% YoY in June 2026. This marked the fourth consecutive month of positive expansion, driven mainly by large corporate loans and partly reflecting funding demand to enhance liquidity amid tensions in the Middle East. However, SME and retail loans continued to face recovery constraints due to persistently high credit risks, leading financial institutions to remain cautious in extending new loans and to maintain prudent risk management practices.
- Deposits stood at THB16.73 trillion as of the end of July 2026, up 3.22% YoY, compared with 3.11%YoY in June 2026, in line with the growth trend in loans. Nevertheless, deposit growth was likely driven primarily by savings deposits. The number of new special fixed‑deposit campaigns that were launched in July 2026 increased from the previous month but remained consistent with the number of campaigns maturing. Most of these campaigns had short-term tenors.
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