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Table 1 shows the coverage of the data. As of July 2016, there were 60.51 million active loan accounts from 19.25 million borrowers that contributed to a total loan outstanding of 9.8 trillion baht (B) or 87% of the total household debt in the system. The data also contain information on days past due for each loan account. This information allows us to study delinquent loans, which we define in this paper as loans that are more than 90 days past due. With this definition, the total value of delinquent loans was B0.64 trillion or 6.5% of the total loan outstanding.

Table 1. 
Overview of Credit Bureau Data
Coverage2009201020112012201320142015July 2016
Number of financial institution members 68 69 75 78 78 80 86 90 
Number of accounts (million) 32.63 33.93 37.86 41.99 46.63 47.63 48.47 60.51 
Number of borrowers (million) 11.65 12.29 13.36 14.73 15.98 16.07 15.94 19.25 
Total loan outstanding (trillion baht) 4.39 4.92 6.05 7.14 8.11 8.44 8.69 9.80 
Less than 30 days past due 3.85 4.39 5.32 6.40 7.24 7.63 7.86 8.78 
31–60 days past due 0.08 0.08 0.10 0.12 0.16 0.20 0.26 0.28 
61–90 days past due 0.04 0.03 0.05 0.05 0.08 0.08 0.07 0.11 
91–120 days past due 0.02 0.02 0.02 0.02 0.04 0.04 0.04 0.04 
121–300 days past due 0.11 0.09 0.10 0.12 0.14 0.12 0.13 0.18 
Greater than 300 days past 0.30 0.31 0.45 0.44 0.44 0.37 0.32 0.42 
due 
Total delinquent loansa (trillion baht) 0.42 0.42 0.57 0.57 0.62 0.53 0.50 0.64 
Number of credit review for new loans (million) 8.70 9.90 11.44 13.90 13.76 12.75 9.48 7.12 
Number of credit review for existing loans (million) 5.27 6.95 9.00 7.63 17.66 30.04 24.61 23.76 
Coverage2009201020112012201320142015July 2016
Number of financial institution members 68 69 75 78 78 80 86 90 
Number of accounts (million) 32.63 33.93 37.86 41.99 46.63 47.63 48.47 60.51 
Number of borrowers (million) 11.65 12.29 13.36 14.73 15.98 16.07 15.94 19.25 
Total loan outstanding (trillion baht) 4.39 4.92 6.05 7.14 8.11 8.44 8.69 9.80 
Less than 30 days past due 3.85 4.39 5.32 6.40 7.24 7.63 7.86 8.78 
31–60 days past due 0.08 0.08 0.10 0.12 0.16 0.20 0.26 0.28 
61–90 days past due 0.04 0.03 0.05 0.05 0.08 0.08 0.07 0.11 
91–120 days past due 0.02 0.02 0.02 0.02 0.04 0.04 0.04 0.04 
121–300 days past due 0.11 0.09 0.10 0.12 0.14 0.12 0.13 0.18 
Greater than 300 days past 0.30 0.31 0.45 0.44 0.44 0.37 0.32 0.42 
due 
Total delinquent loansa (trillion baht) 0.42 0.42 0.57 0.57 0.62 0.53 0.50 0.64 
Number of credit review for new loans (million) 8.70 9.90 11.44 13.90 13.76 12.75 9.48 7.12 
Number of credit review for existing loans (million) 5.27 6.95 9.00 7.63 17.66 30.04 24.61 23.76 

aDelinquent loans are loans that are more than 90 days past due.

Source: Authors’ calculations from National Credit Bureau data.

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