Bank of Thailand Governor Vithay Ratkakul highlights that Thailand's main economic challenge is sluggish growth—currently forecast at 2.3% versus estimated potential of 2.7%. The central bank maintains the current policy rate at 1% as appropriate, claims financial system is strong with capital ratios near 20%, and asserts tools remain available for emergencies. However, SME lending remains weak due to high business costs, while large corporate borrowing grows. Monetary policy transmission takes 8–12 months to show results; fiscal policy is needed for targeted support.