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In forceCredit riskLast checked 13 November 2026

RDT credit data

A regulatory return listed by the Bank of Thailand (BOT), Thailand.

Loan-level credit data (Regulatory Data Transformation, RDT): individual loan accounts, the counterparties borrowing them, and related reference data, which BOT is phasing in as a more granular replacement and supplement to the older XML data sets for credit reporting by banks and specialised financial institutions. Source

Official title: เอกสารประกอบการรายงานและเอกสารชี้แจง Regulatory Data Transformation (RDT)

The facts

Who files
Commercial banks, foreign bank subsidiaries and branches, specialised financial institutions, and companies in a bank's financial business group. Source
How often
52 Monthly; 6 Daily/Monthly; 6 Daily; 6 As Occurred; 1 As Requested (counting each dataset in the group; see the inventory for which). Source
Deadline
Mostly within 21 days of the reporting period end for monthly items; 5 working days after the transaction for daily items. Source
Format
XML. Reported through BOT's RDT channel, documented in the RDT Credit, RDT Classification, RDT Data Entities and RDT Reporting Guidelines documents (version 2026.06, updated 4 Nov 2026). Source
How it is filed
Filing routes recorded for the BOT: DAP (Data Acquisition and Publication); RDT (Regulatory Data Transformation). See how firms file with the BOT.
Status
In force
Legal basis
Group
Credit risk

Templates (71)

The tables and forms inside the return. Plain name first, the BOT's code in brackets.

  • 1.1 Credit Account (DER_CAC_D DER_CAC_M)
  • 1.2 Credit Account Detail (DER_CACD)
  • 1.3 Credit Card (DER_CC)
  • 1.4 Mortgage Loan (DER_MGL)
  • 1.5 Project Finance (DER_PJF)
  • 1.6 FX Loan (DER_FXL)
  • 1.7 Share Lending Member (DER_SHM)
  • 1.8 Account x Account (DER_ACXAC_D DER_ACXAC_M)
  • 1.9 Policy Adoption (DER_PLC)
  • 1.10 Grace Period (DER_GRPD)
  • 1.11 Portfolio (DER_PRT)
  • 1.12 Product Program (DER_PP)
  • 1.13 Debt Restructuring (DER_DR)
  • 1.14 Debt Restructuring Method (DER_DRM)
  • 1.15 Public Service Project Account and Policy (DER_PSP)
  • 2.1 Application (DER_APP)
Show all 71 templates
  • 2.2 Application Customer (DER_APPC)
  • 2.3 Application Purpose (DER_APPP)
  • 2.4 Application Lending Business (DER_APPLB)
  • 2.5 Application Loan Type (DER_APPLT)
  • 2.6 Application Status (DER_APPS)
  • 3.1 Collateral (DER_COL)
  • 3.2 Collateral x Id (DER_COLID)
  • 3.3 Land (DER_LND)
  • 3.4 Building (DER_BLD)
  • 3.5 Real Estate Relationship (DER_RER)
  • 3.6 Collateral Valuation Group (DER_CVG)
  • 3.7 Valuation (DER_VAL)
  • 3.8 Guarantor or Endorser (DER_GE)
  • 3.9 Pledge Valuation Group (DER_PVG)
  • 3.10 Vehicle (DER_VEH)
  • 4.1 Counterparty x Id (DER_CPID)
  • 4.2 Juristic Counterparty (DER_JCP)
  • 4.3 Ordinary Counterparty (DER_OCP)
  • 4.1.1 Counterparty x Id Adjustment (DER_CPIDA)
  • 4.2.1 Juristic Counterparty Adjustment (DER_JCPA)
  • 4.3.1 Ordinary Counterparty Adjustment (DER_OCPA)
  • 4.4 Business Loan Profile (DER_BLP)
  • 4.5 Personal Loan Profile (DER_PLP)
  • 4.6 Relationship to Reporter (DER_RTR)
  • 4.7 Counterparty Entity (DER_CPEN_D DER_CPEN_M)
  • 4.8 Debtor Group (DER_DG)
  • 4.9 Counterparty Debtor Group (DER_CPDG)
  • 4.10 Mortgagor x Pledger (DER_MXP)
  • 4.11 Credit Accessibility (DER_CA)
  • 5.1 Credit Line (DER_CL)
  • 5.2 Credit Line Loan Type (DER_CLLT)
  • 5.3 Credit Line Protection (DER_CLP)
  • 5.4 Collateral Pledge (DER_COLP)
  • 5.5 Guarantee or Endorsement Amount (DER_GEA)
  • 5.6 Override or Deviation (DER_OVD)
  • 6.1 Interest Plan (DER_INTP_D DER_INTP_M)
  • 6.2 Interest Reference (DER_INTR_D DER_INTR_M)
  • 6.3 Interest Reference Value (DER_INTRV_D DER_INTRV_M)
  • 7.1 Outstanding Monthly (DER_OTDM)
  • 7.10 Credit Card Spending (DER_CCSPD)
  • 7.2 Expected Credit Loss Detail (DER_ECLD)
  • 7.3 Credit Line Availability (DER_CLA)
  • 7.4 Outstanding Daily (DER_OTDD)
  • 7.5 Aggregated Flow (DER_AGF)
  • 7.6 Transaction Flow (DER_TXF)
  • 7.7 Related Loan or Investment (DER_RLI)
  • 7.8 BOT Reference Document (DER_BRD)
  • 7.9 Related Deposit Account (DER_RDA)
  • 7.11 Digital Loan Disbursement Flow (DER_DLDF)
  • 7.12 Default Interest (DER_DEFI)
  • 7.13 Billing or Expected Payment (DER_BEP)
  • 8.1 Review (DER_REV)
  • 8.2 Risk Assessment (DER_RSK)
  • 8.3 Advance Amoun (DER_AA)
  • 9.1 One Time Data (DER_OTD)

71 datasets as of the 30 Jun 2026 inventory; counterparty reference data (Counterparty v2025.01) is reported alongside as supporting registry data. Source

Validation rules

354 rules, as counted from the BOT's published material. They are written for people to read; software cannot run them as published. Source

How they are written: Written rules in BOT's documents, in Thai and English: numbered rules in tables headed 'Validation Id' in RDT Credit combined document set (version in use), v2026.06 (34 ids); a 'Validation Rule' column for each data element in RDT Credit combined document set (version in use), v2026.06 (37 rows with a rule, in 7 tables); a 'Validation Rule' column for each data element in RDT Credit combined document set (version in use), v2026.06 (528 rows with a rule, in 65 tables); a 'Validation Rule' column for each data element in RDT Credit combined document set (version in use), v2026.06 (3 rows with a rule, in 1 tables); numbered rules in tables headed 'Validation Id' in RDT Credit combined document set (version in use), v2026.06 (320 ids); numbered rules in tables headed 'Validation Id' in RDT Validation document version 2026.03 (320 ids); numbered rules in tables headed 'Validation Id' in RDT Counterparty document version 2025.01 (34 ids); a 'Validation Rule' column for each data element in RDT Counterparty document version 2025.01 (37 rows with a rule, in 7 tables)..

BOT publishes no XML schema file or rule file that software can run as published. BOT's Data Set page describes three automated checks its DMS system runs on every submission: Basic Validation, Complex Validation (relationships within the same data set, run on data received by 17:00 each day) and Cross Validation (between data sets, with results shown to the reporting firm the next day).

The rules, on bot.or.th

How they were counted

354 distinct Validation Id values: 320 in the tables of RDT Validation v2026.03 (361 table rows; some ids, such as CMOTDM003 to CMOTDM008, appear in two tables) and 34 in RDT Counterparty v2025.01, with no id in both. The RDT Data Entities document also gives element-level checks in a Validation Rule column (528 rows), which are not counted.

Counts are in the BOT's own unit, so they are not comparable with other regulators' counts.

Public data

No published data from this return was found. No published figures from this return were found. Source

Official documents (3)

The BOT's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see BOT's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Last checked 13 November 2026.