The Bank of Thailand's Suwannee Jatsadasak, Assistant Governor of the Supervision Group, has revealed that Thailand's commercial banking system is still solid and resilient. Due to the slow debt repayment by enterprises, notably SMEs, including soft loans and government sectors, after continuous expansion to sustain liquidity throughout the pandemic, commercial banks credit in Q2 2022 showed a modest decrease of 0.4% compared to the same time last year. However, lending from sizable holding companies and sizeable retail loan portfolios kept expanding, especially in the housing and personal categories. Due to the management of debt quality and continued support with debt restructuring from commercial banks to their clients, credit quality somewhat improved, mainly in SMEs and consumer loans.