Brokerage FSS expects the 7 listed Thai banks to post combined Q3 2026 net profit of 54,980 million baht, down 11.6% year on year, after 0.75% of policy-rate cuts over the past 12 months squeezed loan yields. Lending rates are falling, so expect tighter credit margins and more cautious bank lending appetite. Fixed-cost and reserve pressure is easing, and Q4 is seen as the weakest quarter of the year. For a small business, plan financing conservatively and don't count on cheaper loans improving much before year-end.