KResearch has analyzed the National Credit Bureau (NCB)’s anonymized statistical database for commercial credits, covering 1.7-1.8 million corporate credit accounts per quarter through the second quarter of 2024. The analysis reveals five key findings:
- Thai business debt quality has deteriorated since late 2023, following the end of financial assistance measures introduced during the pandemic period.
- Smaller businesses are facing a more severe NPL problem.
- Financial institutions of all types are experiencing more pronounced impacts.
- A deeper analysis reveals that persistent debt cases show more severe problems compared to the overall credit portfolio, with small and medium-sized enterprises increasingly facing worrying debt situations.
- Key business sectors facing deteriorating debt quality include real estate, accommodation and food services, wholesale and retail trade, and manufacturing. This reflects immediate challenges and structural issues that require the collective effort to address.
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