Lending Rate 
Effective from October 31, 2011

INTEREST RATES UNIT: % P.A.
1.   Minimum Loan Rate 7.25
2.   Minimum Overdraft Rate 7.60
3.   Minimum Retail Rate 8.10
4.1 Loans secured with deposits of not less than minimum loan amount
- Minimum Fixed Deposit Rate for Individual Person 3.35
- Minimum Savings Deposit Rate for Individual Person 1.02
- Minimum Fixed Deposit Rate for Juristic Person 3.00
- Minimum Savings Deposit Rate for Juristic Person 0.90
- Plus premium up to the lending rate, secured by a deposit account of not less than the loan amount 3.00
4.2 Loans secured with deposits of not less than the loan amount  
- Interest rate on savings or fixed deposit accounts pledged as collateral + premium up to 3.00 percent (p.a.)  
4.3 Loans secured with K-B/E worth not less than the loan amount  
- K-B/E interest rate plus premium up to 3.00 percent (p.a.)  
Consumer Loan
Interest Rates (% p.a.) Personal Home Loan
Secure 2/ Unsecured
5. Highest rate for normal loans MRR+5 (=13.10%) MRR+10 (= 18.10%)3/
MRR+15 (= 23.10%)4/
MRR+5 (=13.10%)
6. Lending rates for defaulted accounts 15.00% MRR+12 (= 20.10%)3/
MRR+17 (= 25.10%)4/
15.00%
Commercial Loan
Interest Rates (% p.a.) O/D Revolving Short-term
(< 1 year)
Long-term
(> 1 year)
7. Highest rate for normal loans MRR+5 (=13.10%) MRR+5 (=13.10%) MRR+5 (=13.10%) MRR+5 (=13.10%)
8. Lending rates for defaulted accounts and Overdrafts (O/D) without prior agreement or in excess of contractual credit line. 15.00% 15.00% 15.00% 15.00%
Agriculture Loan
Interest Rates (% p.a.) O/D Revolving Short-term
Long-term
(> 1 year)
7. Highest rate for normal loans MRR+1.5(=9.60%) MRR+1.5(=9.60%) MRR+1.5(=9.60%) MRR+1.5(=9.60%)
8. Lending rates for defaulted accounts and Overdrafts (O/D) without prior agreement or in excess of contractual credit line. 15.00% 15.00% 15.00% 15.00%
Commercial Loans under Unsecured Loan Scheme for Customers with
Total Earning of Not Hihger than THB50.0 Million
Interest Rates (% p.a.) O/D Revolving Short-term
Long-term
(> 1 year)
7. Highest rate for normal loans MRR+11 (=19.10%)     MRR+9(=17.10%)
8. Lending rates for defaulted accounts and Overdrafts (O/D) without prior agreement or in excess of contractual credit line. MRR+15(=23.10%)     MRR+15(=23.10%)

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