Bangkok: GHB (Government Housing Bank) showcased its Q1/2026 performance, disbursing over 50 billion baht in new loans, driving growth in the real estate sector and supporting the government's policy of offering energy-saving loans with interest rates starting at 1% per year. The bank also continued its efforts to upgrade its Digital Data and AI capabilities, transforming itself into a new role: Beyond Housing Bank.
According to Thai News Agency, the Government Housing Bank (GHB) revealed its operating results for the first quarter of 2026, showing a disbursement of 50,124 million baht into the economy. This initiative aims to drive the recovery of the real estate sector and support the government's energy-saving loan policy. Continuous customer care measures were also implemented with appropriate interest rates and lenient conditions, including additional loans with a starting interest rate of 1%. The initiative also focuses on preserving homes for Thai people through five strategic pillars, leveraging digital data and AI to enhance service delivery and improve organizational efficiency.
Dr. Mahatthana Ampornphisit, Managing Director of GHB, highlighted the challenges facing the real estate sector and the Thai economy, including geopolitical conflicts and rising energy prices, which impact housing purchase decisions. Despite these challenges, GHB continues to serve as a key engine for stimulating the economy through the real estate sector. The bank disbursed new loans totaling 50,124 million baht in the first quarter of 2026, marking a 5.72% increase from the same period last year. Of these, 24,395 new loans were granted to low- and middle-income earners. The bank's non-performing loans (NPLs) totaled 103,885 million baht, representing 5.46% of the total loan portfolio, a decrease from the previous year's NPL of 5.77%.
In addition to its core mission of providing housing loans, GHB aims to support the recovery of the real estate sector with a target of 246,795 million baht in 2026. The bank has designed products and services to meet customer needs and enhance financial inclusion, especially for low-income groups and self-employed individuals. GHB prioritizes supporting customers during the current energy crisis by reducing their cost of living with a budget of 20 billion baht allocated to help those affected by income hardships.
Dr. Mahatthana further added that GHB supports the government's policy to address the energy crisis by offering loans for installing solar roofs or renovating homes for energy efficiency. The bank's operational direction for 2026 includes enhancing customer care, making homeownership more accessible, and preserving homes sustainably through its 5 Strategic Pillars. The GH BANK Easy Loan project and the Resale Home Ecosystem project are key examples of GHB's efforts to innovate and support the housing market.
The GHB's sustainable NPL management project enhances comprehensive NPL management by integrating databases and auction processes. Over 2.5 billion baht worth of properties have been sold under this project, reflecting the bank's asset management capabilities. GHB is also upgrading its NPL Recovery project to Phase 2, using predictive analysis for quality loan management. These initiatives aim to transform GHB into a "Beyond Housing Bank," becoming a trusted partner in homeownership and supporting customers sustainably.