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SME Loans Outstanding (THB bn)

(Source) Bank of Thailand
(Source) Bank of Thailand

Thailand’s SME loan market has experienced a sharp contraction since its peak in 2019.


Key Points

  • Outstanding SME loans peaked around THB 5 trillion in 2019.

  • By Q1 2025, the figure dropped to below THB 3.5 trillion, a reduction of more than THB 1.5 trillion.

  • This prolonged decline indicates structural constraints, not just cyclical or pandemic-related effects.

  • Credit recovery remains muted even after full economic reopening, suggesting a credit access crisis for SMEs.

 
 
 

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