Thailand: Financial System Stability Assessment; imf country Report No. 19/308; September 10, 2019

Credit Card Loan: NPLs by Monthly Income
(Millions of Thai Baht)
Commercial Banks
Other Financial Corporations
(Nonbanks)
0
1
2
3
4
5
6
7
0
10000
20000
30000
40000
50000
60000
70000
80000
90000
100000
<= 5
K
5 -
10K
10 -
15K
15 -
20K
20 -
25K
25 -
30K
30 -
50K
> 50K
O
th
er
s
<= 5
K
5 -
10K
10 -
15K
15 -
20K
20 -
25K
25 -
30K
30 -
50K
> 50K
O
th
er
s
2016
2018
2016 (NPL ratio, right scale)
2018 (NPL ratio, right scale)
Personal Loan: NPLs by Monthly Income
(Millions of Thai Baht)
Commercial Banks
Other Financial Corporations
(Nonbanks)

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THAILAND
INTERNATIONAL MONETARY FUND
31 
strengthened by: (i) narrowing the membership of the FIPC (¶16); and (ii) eliminating the 
requirement for Cabinet to approve decisions on ELA and bank resolution unless government 
funding or indemnities are needed (¶35).
22. Banks’ asset classification and loan management practices should be strengthened 
further. The definitions of loan restructuring and rescheduling and the current practices 
surrounding NPL identification are weaker than international standards. The BoT supervisors are 
aware of these gaps and have issued a regulation to be implemented once IFRS 9 becomes effective 
in 2020. The impact of the shortcomings is also mitigated by the in-depth procedures performed by 
the BoT supervisors to assess the weaknesses and the high levels of provisioning compared to 
international peers.