The high level of household debt would continue to put downward pressure on purchasing power, so SCB does not anticipate any sharp increase in mortgage lending. However, this is not all bad, as it would coincide with a lower property supply. The lower prices of commodities also affect the purchasing power of people in the agricultural sector, another reason the bank will be less active in retail lending. KBank has to set an aggressive growth as the credit-card market is not expected to grow much because of high household debt, spending in the overall credit-card market this year is expected to grow lower than the normal level for KBank.