Banks reduce lending rates by 0.25% for MLR, MRR, and MOR following the MPC’s resolution (Current Issue No.3596 Full Ed.)

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In mid-August 2025, several major commercial banks gradually announced a 0.25-percent reduction in lending rates after the Monetary Policy Committee (MPC) resolved to cut the policy rate by 0.25 percent to 1.50 percent at its meeting on August 13, 2025.
KResearch views that this round of lending rate cuts was transmitted “faster and more fully” than previous rounds. Notably, the 0.25-percent cuts to MLR (Minimum Loan Rate), MRR (Minimum Retail Rate), and MOR (Minimum Overdraft Rate) matched the policy rate reduction size, an uncommon occurrence in recent rate cut cycles.
The reduction of all three reference lending rates (MLR, MRR, MOR) by 0.25 percent may help alleviate financial burdens for debtors by approximately THB 5-7 billion, with most of the impact on business loans, housing loans, and secured personal loans such as home-for-cash loans.

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