Brent crude is near $108/barrel (11 Sep 2026) and KResearch expects Thai GDP growth of only 1.7% in H2, with policy rates held at 1% through year-end. Credit growth is forecast at 0.5% and NPLs may rise to 2.80-3.00% by year-end, so SME loans will be harder to get. The government is deciding by end-September whether to extend the Thai Yuan Thai Plus (60/40) relief scheme for 1-2 months. Plan cash flow for weaker sales among low-income customers, especially in Bangkok, and check whether the relief scheme applies to you.