Krungsri reported 9-month 2026 net profit of 25,572 million baht, up 3.9%, with NPL down to 3.19%. But loans to mid-sized and small business and domestic retail customers shrank, while large corporates and ASEAN lending grew 6.5% and 7.7%. For an SME owner, this signals that banks are prioritising big corporates, so expect tighter or costlier credit for smaller firms. Krungsri also expects Thai GDP growth of 2.1% in 2026, with a slow recovery and fragile household spending.