GHB Reports Strong Q1/2025 Lending Growth and Declining Bad Debts as Bank Pumps 200 Billion Baht to Support Customers
Government Housing Bank disbursed 50.1 billion baht in new loans during Q1 2025, a 5.72% increase year-on-year, while reducing non-performing loans to 5.46% of outstanding credit.
The Government Housing Bank (GHB) announced on April 27, 2025, that it successfully disbursed 50.124 billion baht in new loans during the first quarter of 2025, representing a 5.72% increase compared to the same period last year. The bank continues to drive economic stimulus through the real estate sector while supporting the government's energy-saving credit initiatives.
Managing Director Mathutthana Ampornpisit revealed that despite headwinds from geopolitical tensions in the Middle East affecting energy prices and household debt concerns impacting property purchase decisions, GHB remains committed to its mission as a state financial institution enabling Thai citizens to achieve homeownership.
Non-performing loans (NPL) totaled 103.885 billion baht, representing 5.46% of total outstanding credit—a 0.31% improvement from the previous year's 5.77%. The bank's quality debt management resulted in total outstanding credit of 1.9 trillion baht (up 0.52%), total assets of 2.057 trillion baht (up 2.39%), and total deposits of 1.805 trillion baht (up 2.54%). The bank maintains a strong capital adequacy ratio (BIS Ratio) of 15.50%, well above the minimum requirement of 8.50%.
GHB has allocated 20 billion baht to assist economically affected customers, offering 0% interest rates for the first three months under the DC4 support scheme. The bank is introducing solar roof-linked loans at 1% interest and expanding its GHB Easy Loan product with complete digital approval processing throughout 2025, targeting disadvantaged and middle-income groups, particularly those with incomes below 3 million baht.
