The National Economic and Social Development Council (NESDC) reports Q1 2026 household debt at 16.41 trillion baht, 85.9% of GDP, slightly down from 86.7% in Q4 2025. Personal loans grew 4.82% and housing loans 1.73%. Total NPLs fell slightly, but loans 31-90 days overdue rose, which NESDC flags as a watch item. Of borrowers in government debt-relief schemes from 2019-2025 who went bad, only 15% returned to regular payments. Expect banks to scrutinise customer repayment records and cash flow more closely, and if your business relies on owner or staff personal loans, keep repayments current to avoid being flagged. Government support may shift toward case-by-case measures.