KTC's Q3 2569 net profit rose 8.9% to 2,125 million baht, with 9-month profit at 6,521 million. Household debt and weak purchasing power remain the pressure. Two changes matter to customers: from 1 July 2569 the credit-card cash-advance fee fell from 3.0% to 2.5% under the Bank of Thailand's new service standard, and from 1 September 2569 KTC and SAM run a debt-relief programme for small borrowers. If your customers pay by card or instalment, expect tighter credit and more collection activity. KTC also plans to sell digital insurance online by Q4 2569, pending regulator approval.