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INDUSTRIES

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MARKETSBankinginThailandCHAPTER

01OverviewBiggestbanksbytotalassetsinThailandasofMarch2024(intrillionThaibaht)BiggestbanksbytotalassetsinThailand20245.04.514.54.03.53.02.52.01.51.00.50.04.283.683.442.771.82BangkokBankKasikornBankKrungthaiBankSiamCommercialBankKrungsriBankThanachartBank3Description:AsofMarch2024,BangkokBankwasthelargestbankinThailand,withtotalassetsofaround4.51trillionThaibaht.OtherleadingbanksintermsoftotalassetswereKasikornBankandKrungthaiBank,whichwerealsoconsideredThailand'sleadingcommercialbanks.ReadmoreNote(s):Asia,Thailand;March2024Source(s):BangkokBizNews;TheStockExchangeofThailandLeadingcommercialbanksinThailandasofApril2024,bynumberofbranchesLeadingcommercialbanksThailand2024,bynumberofbranchesNumberofbranches300

40001002005006007008009001,000KrungthaiBankPCLBangkokBankPCLKasikornBankPCLSiamCommercialBankPCLBankofAyudhya924826808643581TMBThanachartPCLThaiCreditBankPCLUOBPCL505295144LandandHousesPCLKiatnakinPhatraBankPCLCIMBThaiBankPCLTiscoPCL72625551ICBC(Thai)PCL224Description:AsofApril2024,therewerearoundfivethousandcommercialbanksinThailand,withKrungthaiBankhavingthemostnumberofbranchescomparedtoothercommercialbanks.Apartfromcommercialbanks,governmentsavingsbanksandcooperativebanksarealsocommonfinancialinstitutionsforconsumersinThailand.ReadmoreNote(s):Asia,Thailand;April2024Source(s):BankofThailandNumberofgovernmentsavingsbanksinThailandfrom2011to2023NumberofgovernmentsavingsbanksThailand2011-20231,2001,0561,0591,0611,0621,0571,0541,0431,0451,0361,0251,0011,000800600400200093286420112012201320142015201620172018201920202021202220235Description:In2023,thenumberofgovernmentsavingsbanksinThailandreachedoveronethousandbranches,indicatingaslightdecreasecomparedtothepreviousyear.Thisnumberhasremainedoveronethousandsince2013.

ReadmoreNote(s):Thailand;2011to2023Source(s):TheGovernmentSavingsBanksofThailandNetprofitofthebankingsectorinThailandfrom2018to2023(inbillionThaibaht)NetprofitofthebankingsectorThailand2018-20233002712512502382072001811471501005002018201920202021202220236Description:In2023,Thailand'sbankingsector'snetprofitamountedtoapproximately251billionThaibaht,whichwasanincreasecomparedtothepreviousyear.TheperformanceofthebankingsectorinThailandisrecoveringfromtheCOVID-19pandemicwhichnegativelyimpactedtheprofitabilityoftheentiresectorin2020.ReadmoreNote(s):Asia,Thailand;2018to2023Source(s):BankofThailandCHAPTER

02KeyperformanceindicatorsReturnonassetsofthebankingsectorinThailandfrom2019to2023ROAofthebankingsectorThailand2019-20231.6%1.39%1.4%1.2%1.0%0.8%0.6%0.4%0.2%0.0%1.06%1.01%0.81%0.69%201920202021202220238Description:In2023,Thailand'sbankingsectorreturnonassetswasaround1.06percent.Itwasaslightincreasefromthepreviousyear.ReadmoreNote(s):Asia,Thailand;2019to2023Source(s):BankofThailandReturnonequityofthebankingsectorinThailandfrom2019to2023ROEofthebankingsectorThailand2019-202312%9.9%10%8%6%4%2%0%7.92%7.49%5.8%4.84%201920202021202220239Description:In2023,Thailand'sbankingsectorequityonassetswasaround7.92percent.Thiswasaslightincreasefromthepreviousyear.ReadmoreNote(s):Asia,Thailand;2019to2023Source(s):BankofThailandNetinterestmarginofthebankingsectorinThailandfrom2019tothe2023NIMofthebankingsectorThailand2019-20233.5%3.0%3%2.73%2.63%2.62%2.46%2.5%2.0%1.5%1.0%0.5%0.0%2019202020212022202310Description:In2023,thenetinterestmarginofthebankingsectorinThailandwas3percent.TheNIMhasshownsignsofrecoverypost-COVID-19outbreak.ReadmoreNote(s):Asia,Thailand;2019to2023Source(s):BankofThailandValueofassetsamongregisteredcommercialbanksinThailandfromJune2021toMarch2024(intrillionThaibaht)ValueofassetsamongregisteredcommercialbanksThailand2021-202424.524.023.523.022.522.011Description:AsofMarch2024,preliminaryfiguresindicatedthatthevalueoftotalassetsamongregisteredcommercialbanksinThailandamountedtoaround24.27trillionThaibaht,whichwasaslightincreasecomparedtothepreviousmonth.Thefiguresshowagradualincreaseintotalassetssincethebeginningof2022,withsomefluctuation.ReadmoreNote(s):Asia,Thailand;June2021toMarch2024;*PreliminaryfigureOneThaibahtequals0.027U.S.dollarsand0.025eurosasofMay2024.ReadmoreSource(s):BankofThailandCHAPTER

03RetailBankingDepositinterestratesinThailandfrom2012to2022DepositinterestratesThailand2012-20223.0%2.6%2.43%2.5%2.0%1.5%1.0%0.5%0.0%1.75%1.43%1.42%1.3%1.29%1.29%0.62%20200.51%20220.41%20212012201320142015201620172018201913Description:In2022,thedepositinterestrateinThailandincreasedby0.1percentagepoints(+24.39percent)since2021.Intotal,thedepositinterestrateamountedto0.51percentin2022.Thisincreasewasprecededbyadecliningdepositinterestrate.

ReadmoreNote(s):Asia,Thailand;2012to2022Source(s):WorldBankValueofdepositsincommercialbanksinThailandfromAugust2021toMarch2024(intrillionThaibaht)ValueofdepositsincommercialbanksThailand2021-202418.017.517.016.516.015.514Description:AsofMarch2024,thevalueofdepositsincommercialbanksinThailandamountedtoapproximately17.48trillionThaibaht,whichslightlyincreasedcomparedtothepreviousmonth.Thefiguresshowmostlyagradualincreaseindepositvalueincommercialbanks,withsomeslightfluctuations.ReadmoreNote(s):Asia,Thailand;August2021toMarch2024;*Preliminaryfigure.

Thefiguresexcludebusinessesrelatingtofinancialinstitutions.

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ReadmoreSource(s):BankofThailandNumberofsavingsaccountsincommercialbanksinThailandfromAugust2021toMarch2024(inmillions)NumberofsavingsaccountsincommercialbanksThailand2021-20241251201151101051009515/statistics/1274836/thailand-savings-accounts-in-commercial-banksAsofMarch2024,therewereover119millionsavingsaccountsincommercialbanksinThailand,whichwasanincreasecomparedtothepreviousmonth.Thefiguresshowagradualincreaseinthenumberofsavingsaccountsthroughoutthemonths.ReadmoreNote(s):Asia,Thailand;August2021toMarch2024;*Preliminaryfigure.

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ReadmoreSource(s):BankofThailandConsumerloangrowthrateinThailandfrom1stquarterof2021tothe4thquarterof2023ConsumerloangrowthThailandQ12021-Q420236%5%4%3%2%1%0%5.7%5.3%4.2%4%3.9%3.3%3%2.3%2.1%1.9%1.7%1.2%Q12021Q22021Q32021Q42021Q12022Q22022Q32022Q42023Q12023Q22023Q32023Q4202316Description:Asofthefourthquarterof2023,consumerloansinThailandgrewbyaround2.3percent,indicatinganincreasecomparedtothepreviousquarter.Thegrowthofconsumerloanshasbeenfluctuatedpost-COVID-19pandemic.

ReadmoreNote(s):Asia,Thailand;Q12021toQ42023Source(s):BankofThailandConsumerloanyear-over-year(YOY)growthrateinThailandinthe4thquarterof2023,bytypeofloanConsumerloanYOYgrowthThailandQ42023,bytypeofloan8%7%7%6%5%4%3%2%1%0%-1%2.6%1.3%-0.4%PersonalloansCreditcardloansMortgageloansAutoloans17Description:Asofthefourthquarterof2023,personalloansinThailandgrewthemostbysevenpercentcomparedtoothertypesofconsumerloans.Autoloans,ontheotherhand,contractedby0.4percentinthatsameperiod.

ReadmoreNote(s):Asia,Thailand;Q42023Source(s):BankofThailandCHAPTER

04CorporateBankingShareofcorporateloansinThailandinthethirdquarterof2022,bysizeofenterpriseShareofcorporateloansThailandQ32022,bycompanysize40%35%30%25%20%15%10%5%33.5%21.4%0%LargecorporationsSmallandmediumenterprises19Description:Inthethirdquarterof2022,loansfromlargecorporationshadthelargestshareofcorporateloans,accountingforaround33.5percent.Accordingtothesource,theeconomicrecoveryinthecountryincreasedcorporateandconsumerloans.

ReadmoreNote(s):Thailand;Q32022Source(s):BankofThailandCorporateloanyear-over-year(YOY)growthrateinThailandfrom1stquarterto4thquarterof2023CorporateloanYOYgrowthrateThailandQ12021-Q4202316%14.7%14%12%10%8%12.8%10.7%9.4%6.5%6.1%6%5%3.4%4%2%2%0.9%0%-0.01%-0.3%-2%Q12021Q22021Q32021Q42021Q12022Q22022Q32022Q42022Q12023Q22023Q32023Q4202320Description:Asofthefourthquarterof2023,corporateloansfromlargecorporationsdeclinedby0.01percentcomparedtothepreviousyear.ThegrowthandfluctuationsinSMEloanswereprimarilytheresultsoftherehabilitationcreditschemedonethroughcreditassistanceanddebtrestructuring.ReadmoreNote(s):Asia,Thailand;Q12021toQ42023Source(s):BankofThailandSmallandmediumenterprises(SME)loanyear-over-year(YOY)growthrateinThailandfrom1stquarterto4thquarterof2023SMEloanYOYgrowthrateThailandQ12021-Q420233.0%2.0%1.0%0.0%-1.0%-2.0%-3.0%-4.0%-5.0%-6.0%Q12021Q22021Q32021Q42021Q12022Q22022Q32022Q42022Q12023Q22023Q32023Q4202321Description:Asofthefourthquarterof2023,smallandmediumenterprises(SMEs)loansdecreasedby5.1percentcomparedtothesameperiodinthepreviousyear.ThegrowthandslightfluctuationsinSMEloanswereprimarilytheresultsoftherehabilitationcreditschemedonethroughcreditassistanceanddebtrestructuring.ReadmoreNote(s):Asia,Thailand;Q12021toQ42023Source(s):BankofThailandNumberofbusinessaccountsthatrequirefinancialcreditassistanceinThailandfromJuly2020toDecember2021,bysizeofenterprise(inmillions)CorporateaccountsrequiringcreditassistanceThailand2020-2021,bycompanysizeLargecorporations1.17Smallandmediumenterprises1.41.21.00.80.60.40.20.00.560.030.02July2020December202122Description:AsofDecember2021,thenumberoffinancialaccountsforsmallandmediumenterprisesthatneededcreditassistanceinThailandreducedtoaroundsixhundredthousandwhilethenumberofaccountsforlargecorporationsreducedslightly.Accordingtothesource,theoverallnumberofaccountsthatareunderassistanceforalltypesofaccountholdershadcontinuouslydeclinedinDecember2021.ReadmoreNote(s):Thailand;July2020toDecember2021Source(s):BankofThailandCHAPTER

05CooperativeBanksNumberofthriftcooperativesinThailandfrom2011to2023NumberofthriftcooperativesThailand2011-20231,6001,4961,4991,4881,4871,4851,4851,4851,4791,4711,4781,4741,4751,4671,4001,2001,0008006004002000201120122013201420152016201720182019202020212022202324Description:In2023,thenumberofthriftcooperativesinThailandamountedtoaround1.47thousand,whichslightlydecreasedcomparedtothepreviousyear.MostsavingscooperativesinThailandassistsmallercommunitiesasaformoffinancialinstitution,inadditiontobanks.ReadmoreNote(s):Asia,Thailand;2011to2023Source(s):CooperativePromotionDepartmentNumberofcreditunioncooperativesinThailandfrom2011to2023NumberofcreditunioncooperativesThailand2011-20237006246116126076106035876005004003002001000571558539518502470201120122013201420152016201720182019202020212022202325Description:In2023,therewere624creditunioncooperativesinThailand,indicatingaslightincreasecomparedtothepreviousyear.Thefiguresshowagradualincreaseincreditunioncooperativesthroughouttheyears.

ReadmoreNote(s):Asia,Thailand;2011to2023Source(s):CooperativePromotionDepartmentBusinessvalueofthriftcooperativesinThailandin2023,bytypeofservice(inbillionThaibaht)BusinessvalueofthriftcooperativesThailand2023,byservice1,2001,073.551,000800600400200646.80CreditoperationsDepositoperations26Description:In2023,creditoperationsmadeupmostofthethriftcooperativesector'sbusinessvalue,amountingtooveronetrillionThaibaht.ThriftcooperativesactlikeanadditionalfinancialinstitutionwithloananddepositservicesinadditiontobanksforspecificcommunitiesinThailand.ReadmoreNote(s):Asia,Thailand;2023Source(s):CooperativeAuditingDepartmentBusinessvalueofcreditunioncooperativesinThailandin2023,bytypeofservice(inmillionThaibaht)BusinessvalueofcreditunioncooperativesThailand2023,byserviceValueinmillionThaibaht10,00005,00015,00020,00025,000CreditoperationsDepositoperations21,168.0518,232.76Retailservices932.45700.55GatheringcommunityproductsProcessingcommunityproducts

31.82Supportforagriculturalbusinesses

6.9227Description:In2023,creditorloanoperationsmadeupthemostpartofthecreditunioncooperativesector'sbusinessvalue,amountingtoaround21.17billionThaibaht.Apartfrombankingservices,creditunionsalsosupportlocalbusinessesthroughretailservicesanddistributinglocalproducts.ReadmoreNote(s):2023Source(s):CooperativeAuditingDepartmentCHAPTER

06InvestmentBankingAveragedailytradingvalueofbondsinThailandfrom2011to2023(inbillionThaibaht)AveragedailytradingvalueofbondsThailand2011-2023100929088908070605040302010085838181797772666559201120122013201420152016201720182019202020212022202329Description:In2023,theaveragedailytradingvalueofbondsinThailandwasestimatedat65billionThaibaht,whichwasanincreasecomparedtothepreviousyear.Thefiguresshowafluctuationinaveragedailybondpricesthroughouttheyears.

ReadmoreNote(s):Asia,Thailand;2011to2023Source(s):ThaiBondMarketAssociationGrowthrateofbondissuanceinThailandin2023,bytypeofbondGrowthrateofbondissuanceThailand2023,bybondtypeGrowthrate-40%Commercialpapers-30%-20%-10%0%10%20%30%40%28.01%BankofThailandbondsGovernmentbonds11.69%-7.83%Treasurybills-9.98%LongtermcorporatebondsForeignbonds(bahtbonds)Stateownedenterprisebonds-19.2%-23.35%-33.42%30Description:In2023,commercialpapersinThailandgrewthemostcomparedtoothertypesofbonds,byaround28.01percentfromthepreviousyear.Incomparison,state-ownedenterprisebondsdeclinedby33.42percentfromthepreviousyear.

ReadmoreNote(s):Asia,Thailand;2023Source(s):ThaiBondMarketAssociationIssuedsizeoflistedinitialpublicofferings(IPOs)inThailandfrom2012to2023(inbillionThaibaht)IssuedsizeoflistedIPOsThailand2012-2023250191.620015010050136.04130.62113.99106.2898.1390.84201981.57201852.27201252.66201637.86202238.262023020132014201520172020202131Description:In2023,theissuedsizeoflistedinitialpublicofferings(IPOs)inThailandamountedtoover38millionThaibaht,whichwasanincreasecomparedtothepreviousyear.TheissuedsizeofIPOswashighestin2013,whichamountedtoaround191.6millionThaibaht.ReadmoreNote(s):Asia,Thailand;2012to2023Source(s):TheStockExchangeofThailandCHAPTER

07DigitalBankingPenetrationrateofonlinebankinginThailandfrom2014to2029PenetrationrateofonlinebankinginThailand2014-202980706967.2265.3463.3561.2358.95605040302010055.7151.8947.8843.6539.1934.5629.87201725.25201620.89201516.96201420182019202020212022202320242025202620272028202933Description:TheonlinebankingpenetrationrateinThailandwasforecasttocontinuouslyincreasebetween2024and2029byintotal10.1percentagepoints.Afterthefifteenthconsecutiveincreasingyear,theonlinebankingpenetrationisestimatedtoreach69percentandthereforeanewpeakin2029.Notably,theonlinebankingpenetrationrateofwascontinuouslyincreasingoverthepastyears.ReadmoreNote(s):Thailand;2014to2029;allvaluesareestimatesSource(s):ValueofinternetbankingtransactionsinThailandfrom2017to2023(intrillionThaibaht)ValueofinternetbankingtransactionsThailand2017-202340353033.7432.427.1725201510523.5323.6322.8420.3402017201820192020202120222023*34Description:In2023,thevalueofinternetbankingtransactionsinThailandamountedtoaround33.74trillionThaibaht.Thefiguresshowtheriseinthevalueofinternetbankingtransactionsinrecentyears.ReadmoreNote(s):Asia,Thailand;2017to2023;*Preliminary.

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ReadmoreSource(s):BankofThailandVolumeofinternetbankingtransactionsinThailandfrom2017to2023(inmillions)VolumeofinternetbankingtransactionsThailand2017-2023700600500603.83599.88580.82458.38429.45400284.773002001000207.092017201820192020202120222023*35Description:In2023,thevolumeofInternetbankingtransactionsinThailandamountedtoaround599.88milliontransactions,slightlydecreasedcomparedtothepreviousyear.Thefiguresshow