Kasikornbank says flood damage has hit household mortgage and auto-loan borrowers harder than business customers. Business disruptions in affected areas have lasted about 1-2 weeks. KBank and Tisco both say they can offer debt relief programmes, and Tisco has built extra loan-loss reserves for the next 3-6 months. If your flooding has hurt cash flow, ask your bank about relief or restructuring early, and keep records of the damage. Few auto-loan customers had applied so far, since many moved vehicles to safety.