The Monetary Policy Committee voted unanimously on 26 Aug 2026 to keep the policy rate at 1.00%, saying current rates suit supporting growth. Inflation is seen rising temporarily through early 2027 (supply-side factors, El Niño, cost pass-through) before easing on weak domestic demand. Total credit is growing, but SME lending is still contracting, and banks remain cautious on risky borrowers. Practical read: borrowing costs stay low, so a loan for working capital or equipment may be worth negotiating now, especially via targeted measures for SMEs. Track Middle East war and trade-barrier risks, which could move the baht and fuel costs.