A numerical model is developed for investigating the evolution of fracture permeability in a coupled fracture-matrix system in the presence of fracture-skin with simultaneous colloidal and bacterial transport, by taking into account the effects of thermal stress and silica precipitation/dissolution, which is computed using linear reaction kinetics. The non-linear coupled equations are numerically modeled using the fully implicit finite difference method and a constant continuous source is adopted while modeling thermal, contaminant, colloidal and bacterial transport. Due to co-colloid bacterial transport under non-isothermal conditions, in a coupled fracture-skin-matrix system, the fracture apertures vary spatially, with a corresponding pressure variation for a constant discharge. A series of numerical experiments were conducted for analyzing the spatial variation of fracture aperture in response to the combined effects of thermal stress, silica precipitation/dissolution, and simultaneous colloidal and bacterial transport in the presence of the fracture-skin. The simulation results suggest that temperature and contaminant concentration of the mobile fluid within the fracture increases with reduction in initial fracture aperture. The pattern of variation followed by the fracture aperture is nearly the same in the presence and absence of bacterial transport but the magnitude of the fracture aperture is low under the influence of bacterial transport. The variation in the fracture aperture resulting from precipitation-dissolution and thermoelastic stress is significant when the fracture aperture is very low and reduces with increment in fracture aperture. The variation in fracture aperture and pressure remains the same for both undersaturated and supersaturated fluid entering the fracture due to the influence of bacterial transport at the inlet of the fracture.