NCB frets over potential uptick in informal debtThe National Credit Bureau (NCB) has expressed concern about a potential rise in informal debt amid subdued loan growth in the banking sector and an easing household debt-to-GDP ratio. "While demand for personal loans remains robust, overall credit growth in the financial system continues to be subdued. Under this scenario, we are concerned about a rise in informal debt," she said. However, the NCB does not have reliable data to accurately assess the size of informal debt. Higher incomes would strengthen debt-repayment capacity and help ease the country's household debt problem.

Source: Bangkok Post February 16, 2026 18:32 UTC