26 Dec 2025 Financial Institutions Banks’ rate cuts ease debtors’ burden, but credit support remains limited; loan growth expected to contract for a third consecutive year in 2026 (Current Issue No.3631 Full Ed.) คะแนนเฉลี่ย คะแนนเฉลี่ย 5 stars 4 stars 3 stars 2 stars 1 star Throughout 2025, commercial banks lowered lending rates four times in line with policy rate reductions. The latest round of rate cuts took effect during 22–24 December 2025. KResearch assesses that the net positive impact on debtors will materialize gradually in 2026. Interest expenses for corporate and retail borrowers are expected to decline by a combined THB 3.8–4.8 billion in the first half of 2026. However, interest rate cuts alone are expected to have a limited impact on credit extension, as the overall economic recovery remains fragile. KResearch therefore maintains its 2026 forecast for loan growth in the Thai banking system at -0.7 percent. Close attention must also be paid to debt-servicing capacity among SMEs and retail borrowers. The non-performing loan (NPL) ratio in 2026 is expected to remain elevated at around 2.80–2.97 percent of total loans. View full article Login / Register Or Enter the code from the poll Annotation This research paper is published for general public. It is made up of various sources. Trustworthy, but the company can not authenticate. reliability The information may be changed at any time without prior notice. Data users need to be careful about the use of information. The Company will not be liable to any user or person for any damages arising from such use. The information in this report does not constitute an offer. Or advice on business decisions Anyhow. Financial Institutions Interest Related Analysis View all 28 Dec 2015 Financial Institutions “The Baht closed 2015 at around THB36/USD, while the SET rose in the final week of 2015” ... Read more 0 KB 0 KB 21 Dec 2015 Financial Institutions “The Baht rose, but the SET declined on falling telco and foreign investor sell-offs” ... Read more 0 KB 0 KB 14 Dec 2015 Financial Institutions “The Baht fell to THB36.20/USD, while the SET saw a mild recovery after the Fed rate hike” ... Read more 0 KB 0 KB 7 Dec 2015 Financial Institutions “The Baht broke through the THB36.00/USD level, while the SET plummeted on concern over Fed’s liftoff” ... Read more 0 KB 0 KB 30 Nov 2015 Financial Institutions “The Baht held tight, while the SET fell on sell-offs of large-cap shares” ... Read more 0 KB 0 KB 23 Nov 2015 Financial Institutions “The Baht resumed a weaker bias in late week, while the SET declined on rising tension between Russia and Turkey” ... Read more 0 KB 0 KB View all