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.