open interest rate statistics ‘Loan-deposit’ 10 commercial banks in 2023

after “Thai Bankers Association” came out announcing the end Measures to reduce contributions to the recovery fund and development of financial institutions (FIDF) on December 28, the past. As a result, from the beginning of 2023, commercial banks must submit “contributions” to the FIF. Enter the normal rate of 0.46% from the previous 2 years when the Bank of Thailand (BOT) has reduced the contribution to the FIF to 0.23%.
Since December 29, 2022, large commercial banks have begun to see came out to announce an interest rate adjustmentloan”Up immediately 0.40% to be in line with FIDF costs that have returned to normal. causing interest rates to return to normal If compared to the period before the COVID-19 crisis

If looking at the data from commercial banks, it was found that almost all banks had increased their loan interest rates. almost at similar rates Both came out and officially announced and not officially announced against deposit interest rates “Savings” that still does not increase There is only an adjustment of the deposit interest rate. “Regular” up to some types only.

However, if you look at the “loan interest rate” of the commercial banking system from all 10 banks, both the loan interest rate Retail rate (Minimum Retail Rate), interest rate Good large customers (Minimum Loan Rate), interest rate great big customers Types of overdrafts (Minimum Overdraft Rate) classified by types of loan interest

Starting at interest on MLR loans from commercial banks. There is a similar interest rate at 6.15-6.48% by commercial banks. Krung Thai Bank The MLR interest rate is 6.15%, while Bangkok Bank is 6.25%, followed by Kasikornbank 6.37% and Bank of Ayudhya at 6.48%.
While medium to small banks, the average MLR interest rate is 6.92-7.40% by Thanachart Military Bank. The lowest interest rate is 6.92% and the highest is CIMB Thai at 7.40%.
For large bank MOR interest The average interest rate is 6.72-6.75%, the lowest being Krungthai Bank. and Krungsri Bank at 6.72% and the highest is Bangkok Bank at 6.75% while medium-sized banks The average MOR interest rate is 7.05-7.90%, with the lowest being TMB Thanachart Bank at 7.05% and the highest being CIMB Thanachart at 7.90%.
While the retail interest rate MRR found that the average was 6.52-8.35% by the first 5 large banks, the average retail interest rate was 6.52-6.77%, the lowest being the bank. SCB at 6.52% and the highest is Krung Thai Bank at 6.77%, while medium and small banks average interest rates are 6.46-8.35%, the lowest is TISCO Bank 6.46% and the highest is CIMB Thai at 8.35%
The adjustment of the loan interest rate this time is against the direction of the deposit interest rate. Especially savings, where the average interest rate is still low at 0.25%.

Even commercial banks increase loan interest rates. But interest rates on savings deposits remained constant.
On average 0.25-0.125% by large banks. Interest remained stable at 0.25%, while the lowest savings interest was TMB Thanachart Bank at 0.125%