Thai Banking System

In: Business and Management

Submitted By mjakazi
Words 283
Pages 2
Private loans extended by commercial banks
The loans extended to the private sector by commercial banks in Thailand have risen from 3551168 THB million in May 2014 to 3564261 THB million in June 2014. Over the past 15 years the average loand to the public sector have averaged 2313830.80 THB million (record high: 3564261 THB million in 2014, record low: 1701089 in 2001

Expected demand for corporate and private loans
Corporate loan demand is expected to increase in Q3 of 2014, especially from the high demand from large corporations. This is due to the expectations of economic recovery and better investment conditions. Consumer loan demand is also expected to rise in Q3, especially by way of credit cards and other consumer loans. This shows that financial institutions are expecting an increase in private consumption (although they have tightened standard for consumer credit due to the worrying borrower’s credit worthiness and economic slowdown in the last period)

Private credit to GDP
The most recent value for the domestic credit to private sector (%GDP) was measured at 131.92 in 2011.

Corporate and consumer NPLs
There has been deterioration in loan quality, the evidence of which lies in the NPL 279.8 THB billion (the figure is mostly comprised of consumer and SME loans as opposed to corporate loans). The ratio on gross NPL and net NPL to loans are 2.3% and 1.1% respectively.

REF: http://www.tradingeconomics.com/thailand/loans-to-private-sector http://www.bot.or.th/English/EconomicConditions/Thai/DocLip_credit/LoanSurveyEN_Q22014.pdf
http://www.tradingeconomics.com/thailand/domestic-credit-to-private-sector-percent-of-gdp-wb-data.html…...

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