cool thanks, the are 'all loans', I previously posted personal loans in Australia at 2% non performing
https://data.worldbank.org/indicator/FB.AST.NPER.ZS?contextual=default&locations=TH-AU
I can't find thailand, personal loans, non performing.
I think APT has a relative advantage in identifying in non payers so the higher the ratio of non payers the high relative advantage APT has (to other thailand finance companies)?
https://rba.gov.au/chart-pack/pdf/chart-pack.pdf?v=2019-12-28-20-51-36
