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Table 3 provides summary statistics of loans. The top panel presents the allocation of accounts, outstanding loans, and delinquency across products and lenders. Personal and other loans occupy the highest delinquency share among all loan products, while commercial banks account for the highest delinquency share among lenders. Personal and other loans raise concerns for the financial system as they occupy the largest share of accounts (35.5%), the second-largest share of debt (27.8%), and the largest share of delinquency (31.8%). Auto and housing loans also raise concerns for the financial system as they contribute to the second and the third-largest shares of delinquency even though housing loans account for only 5.4% of the total number of accounts, due to the large size of each loan.21 In contrast, credit card debt occupies the second-largest share of accounts (30.7%), but they contribute much less to the total debt outstanding and delinquency due to their small sizes. By lender, commercial banks account for the largest share of debt outstanding and delinquency, while nonbank financial institutions account for the largest share of accounts. The bottom panel presents the allocation across borrower age groups and locations. The shares of borrowers, loans, and delinquencies are highest among borrowers in working-age groups (highest for those age 46–60 years, followed by 36–45 years and 25–35 years) and borrowers in Bangkok and the vicinity.

Table 3. 
Dissecting Aggregate Debt and Delinquency by Loan Product, Lender, and Borrower, July 2016
Loan Product and LenderShare of Account (%)Share of Loan Outstanding (%)Share of Delinquent Loan (%)
Loan product    
Housing 5.4 33.2 19.8 
Auto 11.2 20.8 23.4 
Motorcycle 2.2 0.5 2.7 
Credit card 30.7 3.8 8.1 
Personal loan and others 35.5 27.8 31.8 
Loan for business 15.0 13.9 14.0 
Lender    
Commercial banks 35.2 51.7 45.6 
SFIs 26.6 33.9 29.4 
Other financial institutionsa 38.2 14.4 25.0 
Borrowers Share of Borrowers (%) Share of Loan Outstanding (%) Share of Delinquent Loan (%) 
Age    
Younger than 25 3.2 1.1 1.3 
From 25–35 27.6 22.6 24.8 
From 36–45 27.9 33.0 34.2 
From 46–60 32.2 36.1 34.0 
Older than 60 9.1 7.2 5.7 
Region    
Bangkok and vicinity 29.4 36.4 35.4 
Central 18.3 17.2 18.1 
North 15.4 13.7 13.7 
Northeast 25.4 21.0 18.7 
South 11.4 11.7 14.1 
Urban 51.0 58.8 58.1 
Loan Product and LenderShare of Account (%)Share of Loan Outstanding (%)Share of Delinquent Loan (%)
Loan product    
Housing 5.4 33.2 19.8 
Auto 11.2 20.8 23.4 
Motorcycle 2.2 0.5 2.7 
Credit card 30.7 3.8 8.1 
Personal loan and others 35.5 27.8 31.8 
Loan for business 15.0 13.9 14.0 
Lender    
Commercial banks 35.2 51.7 45.6 
SFIs 26.6 33.9 29.4 
Other financial institutionsa 38.2 14.4 25.0 
Borrowers Share of Borrowers (%) Share of Loan Outstanding (%) Share of Delinquent Loan (%) 
Age    
Younger than 25 3.2 1.1 1.3 
From 25–35 27.6 22.6 24.8 
From 36–45 27.9 33.0 34.2 
From 46–60 32.2 36.1 34.0 
Older than 60 9.1 7.2 5.7 
Region    
Bangkok and vicinity 29.4 36.4 35.4 
Central 18.3 17.2 18.1 
North 15.4 13.7 13.7 
Northeast 25.4 21.0 18.7 
South 11.4 11.7 14.1 
Urban 51.0 58.8 58.1 

SFI = specialized financial institution.

aOther financial institutions include credit card companies, hire purchase companies, insurance companies, and cooperatives.

Source: Authors’ calculations from National Credit Bureau data.

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