Thailand Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Thailand's non-performing loans was 2.56% in 2025, ranked 67th globally. This represents a 7.2% decrease from 2024. Data from World Bank, covering 2006–2025.
Overview
Thailand's non-performing loans stood at 2.56% in 2025, a decline of +0.20pp from 2023. Based on recent trends, this figure is projected to reach 2.56% by 2025. Thailand ranked 67th globally.
Thailand’s non‑performing loan (NPL) ratio has fallen sharply from its all‑time peak of 7.77 % in 2006 to a trough of 2.30 % in 2013, and it now stands at 2.56 % in 2025, placing the country 67th globally. The decline reflects tighter credit risk management after the global financial crisis and a gradual improvement in borrower profitability, while the modest uptick since 2013 suggests a slight re‑acceleration of loan stress as the economy expands. Compared with peers of similar ranking, Thailand’s NPL rate is marginally higher than Bhutan’s 2.47 % and lower than Brazil’s 2.88 %, indicating a relatively sound banking sector within the region. The 19‑year coverage shows a sustained downward trajectory, but future movements will depend on the resilience of corporate earnings and the pace of monetary policy adjustments, which could either reinforce the current decline or trigger a modest rise in non‑performing loans.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 2.45% | - | - |
| 2025* trend | 2.56% | - | - |
| 2025 | 2.56% | −0.20pp | #67 |
| 2023 | 2.76% | −0.08pp | #44 |
| 2022 | 2.84% | −0.27pp | #59 |
| 2021 | 3.11% | −0.13pp | #58 |
| 2020 | 3.23% | +0.10pp | #54 |
| 2019 | 3.13% | +0.05pp | #57 |
| 2018 | 3.08% | +0.01pp | #57 |
| 2017 | 3.07% | +0.09pp | #59 |
| 2016 | 2.99% | +0.30pp | #49 |
| 2015 | 2.68% | +0.38pp | #38 |
| 2014 | 2.31% | +0.00pp | #36 |
| 2013 | 2.30% | −0.13pp | #32 |
| 2012 | 2.43% | −0.50pp | #31 |
| 2011 | 2.93% | −0.96pp | #46 |
| 2010 | 3.89% | −1.33pp | #52 |
Detected Pattern
Analysis
Thailand matched the Export Boom Cycle pattern in 2017. Historically, 71% of countries showing this pattern (546 out of 768) saw non-performing loans improve within 24 months. View full analysis →
Frequently Asked Questions
Thailand's non-performing loans was 2.56% in 2025. Ranked 67th globally. This represents a 7.2% decrease from the previous year.
Thailand's non-performing loans peaked at 7.77% in 2006.
The lowest non-performing loans in Thailand was 2.30% in 2013.
Thailand ranks 67th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Thailand's non-performing loans is projected to reach 2.56% by 2025 based on trend extrapolation.
The non-performing loans of Thailand in 2025 was 2.56%. This ranks 67th in the world.
Cite this page
@misc{historysaid_thailand_non-performing-loans,
title = {Thailand Non-Performing Loans},
url = {https://historysaid.com/thailand/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}