Krungthai's 9-month results beat market expectations, with NPLs below its target. The bank says it is keeping its cautious strategy and will not change course. It names SMEs and property developers as the vulnerable groups it is watching most closely. Many property firms have cut investment, but some are still stuck with high unsold stock. For an SME owner, this means lending is still available at a moderate pace, with the bank favouring targeted support and restructuring over selling bad debts. If you are a borrower under pressure, approach your bank early about relief measures rather than waiting. Interest income is falling, so expect the bank to stay selective on new lending.