Thailand's central bank projects two lending schemes (SME Credit Boost and SME Secured Plus) will inject 130 billion baht into SMEs by end of 2027, as overall banking growth recovers to 2.3% GDP. However, SME lending remains in contraction; the Northeast is particularly stressed with 10% NPL ratio and lending declining 10%. Success hinges on whether these programmes unlock regional economic potential and reverse the K-shaped recovery pattern.