Krungsri Sets Enhancing Thai SMEs’ Resilience as Structural Priority, Advancing Its 3GO Strategy to Help Businesses Navigate Economic Volatility

Bangkok (25 March 2026) – Krungsri (Bank of Ayudhya PCL) is elevating its support for Thai entrepreneurs by enhancing SMEs’ resilience as a structural organizational priority for 2026. The Bank will continue to advance its 3GO Strategy to accelerate the development of financial solutions, digital platforms, and partner networks designed to help Thai SMEs adapt, improve operational efficiency, and expand trade opportunities sustainably amid ongoing global economic volatility.

Ms. Duangkamol Limpuangthip, Krungsri Head of SME Banking Group, said, “SMEs remain the backbone of Thailand's economy and a key engine of its growth. However, as widely recognized, SMEs are also among the vulnerable, with many continuing to face challenges from economic volatility, rising operating costs, rapid technological shifts, and evolving sustainability requirements across supply chains. Uncertainties arising from geopolitical tensions and a series of domestic disruptions over the past year — including flooding, earthquakes, and incidents along the Thai–Cambodian border dispute — all of which have weighed heavily on business operations. To help ease these impacts and support liquidity so that businesses can move forward, the Bank has consistently implemented assistance measures for SME customers, including the “You Fight, We Help” program, low-interest lending program, and relief measures for customers affected by specific events. In 2025, the Bank provided financial assistance to SME customers totaling more than 38,500 million baht.”

“Looking beyond immediate relief, Krungsri has designated enhancing SMEs’ resilience as a structural priority, empowering the backbone of Thailand's economy to survive, adapt, and grow through funding support, tailored financial solutions, digital technology, and connectivity with business partner networks.”

In 2026, Krungsri will continue to scale its 3GO Strategy with solutions that help SMEs adapt to fast-changing market conditions, raise operational efficiency, and expand commerce sustainably. The strategy encompasses three pillars: 1) GO Green — supporting operations aligned with ESG frameworks; 2) GO Digital — expanding comprehensive digital products and services; and 3) GO Beyond — helping customers enter new markets both domestically and internationally.

A key solution is the Krungsri SME Transformation Loan, designed to support investment that helps SMEs strengthen competitiveness across multiple dimensions, including green operations, the adoption of digital technologies and automation to improve efficiency, and future-focused technology and innovation to advance products, services, and business models for long-term competitiveness.

Beyond financing, the Bank is actively expanding digital platforms that support day-to-day business operations in the digital economy. Krungsri Biz Online recorded a 12% increase in transaction volume and a 14% rise in registered users in 2025. In addition, electronic payment acceptance solutions such as Krungsri EDC Plus and Krungsri Mung Mee SHOP further enable entrepreneurs to manage financial transactions more conveniently and efficiently, delivering 24.9% growth in transaction volume over the same period. To unlock new business opportunities, Krungsri has also developed Krungsri Business Link, a platform that connects SMEs with the partner networks of Krungsri and MUFG. The platform now counts more than 9,400 member companies, enabling SMEs to find business partners and expand into new markets in Thailand and overseas.

Krungsri also prioritizes sustainability knowledge-building through two initiatives — the Krungsri ESG Awards, now in its fourth year, and the Krungsri ESG Academy, a five-month intensive program now in its third year — that helps entrepreneurs align their operations with ESG frameworks and prepare for a sustainable transition.

“Rising geopolitical risk means SMEs must manage their businesses under greater uncertainty: from volatility in energy and raw-material costs to logistics costs and delivery timelines, softening demand, and exchange-rate fluctuations. All of these factors affect cash flow and competitiveness. Krungsri is committed to being a true business partner to SME customers, not only providing funding and liquidity, but also advisory support and risk-management tools, to help entrepreneurs adapt and achieve sustainable, long-term growth,” Ms. Duangkamol concluded.