Post by account_disabled on Jan 1, 2024 5:47:12 GMT
Kasikorn Research Center Summary of loan information Deposits and liquidity of 14 Thai commercial banks as of the end of September 2019. Commercial bank loans in September 2019 still increased within a limited range. This is because business credit continues to weaken. Amid signs of a slowdown in economic activity and from the caution in granting loans of some large commercial banks to take care of credit quality issues. As for business loans among SME customers, it remains relatively stable. which from the above overview causing the expansion of retail loans Especially retail loans with and without collateral. and loans for car leasing Both in the group of large commercial banks and medium sized commercial banks. It continues to play an important role in driving overall credit growth.
There are weak signs of business loan disbursement. As a result, the Buy Bulk SMS Service net loan outstanding at the end of September 2019 increased from the previous month by only 13.2 billion baht to 11.79 trillion baht, which is less than the increase of 26.9 billion baht in August 2019. However, due to the results from the comparative base That was low in September last year. As a result, the net loan growth rate in September 2019 increased 3.92% YoY from the same period last year (up from 3.84% YoY in August 2019) and increased 1.35% YTD compared to the end of 2018. Overall deposits in September 2019 continued to increase from the previous month at a level consistent with loans. However, there were changes in the direction of deposits of each commercial bank this month.
There are groups in which deposits have greatly accelerated, such as long-term/special fixed deposits of large commercial banks. and the group whose deposits decreased a lot This is in line with increased liquidity management and long-term funding sources of some commercial banks, compared to the same period last year. Deposit outstandings in September 2019 grew 4.84% YoY, the highest in 11 months and accelerating from the end of last year 2.32% YTD. The increase in deposits is consistent with the lending situation over the past few months. As a result, the loan to deposit ratio (Loan to Deposit Ratio) remained stable at approximately 96.8% throughout the period between July and September 2019, which is likely one of the signals that reflects that Commercial banks continue to oversee and manage liquidity to be appropriate for the pace of lending.
There are weak signs of business loan disbursement. As a result, the Buy Bulk SMS Service net loan outstanding at the end of September 2019 increased from the previous month by only 13.2 billion baht to 11.79 trillion baht, which is less than the increase of 26.9 billion baht in August 2019. However, due to the results from the comparative base That was low in September last year. As a result, the net loan growth rate in September 2019 increased 3.92% YoY from the same period last year (up from 3.84% YoY in August 2019) and increased 1.35% YTD compared to the end of 2018. Overall deposits in September 2019 continued to increase from the previous month at a level consistent with loans. However, there were changes in the direction of deposits of each commercial bank this month.
There are groups in which deposits have greatly accelerated, such as long-term/special fixed deposits of large commercial banks. and the group whose deposits decreased a lot This is in line with increased liquidity management and long-term funding sources of some commercial banks, compared to the same period last year. Deposit outstandings in September 2019 grew 4.84% YoY, the highest in 11 months and accelerating from the end of last year 2.32% YTD. The increase in deposits is consistent with the lending situation over the past few months. As a result, the loan to deposit ratio (Loan to Deposit Ratio) remained stable at approximately 96.8% throughout the period between July and September 2019, which is likely one of the signals that reflects that Commercial banks continue to oversee and manage liquidity to be appropriate for the pace of lending.