Thai banks (Thai Krung Thai and Bangkok Bank leading) have announced coordinated flood-relief packages including 3–6 month principal payment holidays, partial debt write-downs, 75% installment cuts on retail loans, and emergency SME lending of up to ฿10–20 million at preferential rates. Programs run from late September through end of 2026 and cover both individuals and businesses across Bangkok and nationwide flood zones. This signals major liquidity and operational relief for SME recovery, but relies on banks absorbing losses—monitor credit quality and profitability impact in Q4 reporting.