GHB Disburses 186 Billion Baht in Loans, NPL Falls to 5.49%

Government Housing Bank (GHB) announced its nine-month results for 2026, with new loan disbursements reaching 186,476 million baht, supporting 175,038 home ownership accounts — up 8.28% from the same period last year and representing 75.56% of the 246,795 million baht annual target. The loans primarily served low- and middle-income borrowers with credit lines not exceeding 3 million baht, totaling 89,992 borrowers. Non-performing loans (NPLs) stood at 107,308 million baht, or 5.49% of total loans, down from 5.81% a year earlier, reflecting effective debt management. As of September 2026, total outstanding loans reached 1,954,803.75 million baht (up 3.37%), total assets 2,077,681.75 million baht (up 3.40%), and total deposits 1,818,160.46 million baht (up 3.27%). Loan loss provisions were high at 164,292.97 million baht, covering 153.10% of NPLs, and the BIS capital adequacy ratio stood at a strong 15.35%, well above the Bank of Thailand's 8.50% minimum. President Mahatthana emphasized GHB's commitment to its mission of helping Thais own homes through inclusive lending. For the second half of 2026, GHB continues its 'One Home Per Person PLUS' program, allocating 50,000 million baht for homes priced up to 3 million baht at a starting rate of 2.60% for years 1–2, with terms up to 40 years. A 1-million-baht loan would require initial monthly payments of just 3,600 baht. Interested applicants can register via the GHB ALL GEN mobile app and GHB Buddy Line account through December 30, 2030, or until the quota is filled. Already, 9,964 customers have registered.