Krungsri Consumer reports steady H1 2026 growth: 284.1k new accounts (+4% YoY), 196.7bn baht in card spending (+3%), and 47.2bn baht in new loans (+4%). NPL ratios remain low at 1.1% for credit cards and 1.9% for personal loans. Key spending trends show growth in online platforms (+16%), mutual funds (+14%), and beauty services (+12%), while fashion and cosmetics slowed. The company targets 627k new accounts and 420bn baht in card spend for full-year 2026, signalling cautious optimism despite economic volatility and consumer confidence headwinds.