The BOT says flood damage so far hits services, transport, and wholesale/retail most, with some construction sites temporarily halted; manufacturing and industrial estates reported no damage yet. It warns SMEs and households face a second shock that squeezes cash flow, and that repair borrowing may add to household debt. 16 financial institutions (10 commercial banks, 6 specialised state lenders) are offering debt relief such as principal/interest grace periods, longer terms, lower instalments, emergency loans and SME working capital. Check with your bank now about relief options, and check stock damaged by water and whether trade partners are affected. Central bank says the flood's GDP impact is estimated at 0.03-0.1%, and could be larger if it drags on.