Kasikorn Bank reported 9-month 2026 net profit of 40,635 million baht, up 3.43%, but that gain relied on fee income up 21.51%. Net interest income fell 8.87% to 94,992 million baht as rates were cut, and the bank cut lending rates to ease customers' financing costs. Loan-loss provisions rose to 30,171 million baht. For an SME, this points to cheaper loan pricing possibly continuing and banks leaning on fees, while credit standards stay cautious; check your loan terms rather than expect new credit to loosen.