การปฏิรูป Basel III และพอร์ตสินเชื่อของธนาคารขนาดเล็ก

That's a critical point you're raising. I've been wondering if the increased compliance costs and capital requirements will really push smaller banks to consolidate or if they'll find creative ways to securitize or partner to maintain their local presence and lending capacity. It'll be interesting to see how it plays out.

Good point. Smaller banks often rely heavily on local loan growth, and increased capital requirements could definitely put a squeeze on that. I'd imagine they'd need to be very strategic about their loan portfolio concentration.