Yuanta Securities says the flood hits sectors unevenly. Home-repair and hardware retailers (HMPRO, GLOBAL, DOHOME, TOA, PIMO) may see demand rise once water recedes. Convenience and consumer retail (CPALL, BJC, CPAXT) gain from demand for drinking water and dry goods, though flooded branches and transport problems could cut that. Telecom may see more data use. Insurers face higher claims for homes and cars, with earnings pressure expected from Q4 2026 into Q1 2027. Property and contractors face short-term slowdowns; hospitals, hotels and SET-listed industrial estates see mostly short-term effects. Electronics and auto suppliers may see short-term transport and labour disruption. Banks watch relief measures for flood-hit borrowers. For a Thai SME: if you sell repair materials, food, water or household goods in affected areas, plan for a demand lift; if you ship parts or rely on staff commuting, expect short delays.