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No.1/2021
Industrial and Commercial Bank of China (Thai) Public Company Limited
Table 2 Loan Interest Rate 1/
Effective from April 1, 2021
Unit : Percentage per annum
A. Reference Interest Rates
1. Interest rate for prime large customers : Term loan type (Minimum Loan Rate)

MLR

6.500

2. Interest rate for prime large customers : Overdraft type (Minimum Overdraft Rate)

MOR

7.025

3. Interest rate for prime retail customers (Minimum Retail Rate)

MRR

7.000

4. Interest rate for prime customers (ICBC Prime Rate)

ICBC Prime Rate *

8.000

* Former ACL Prime Rate was changed to ICBC Prime Rate effective from July 9, 2010 onwards.    
5. Maximum interest rate charged on payment made in favor of customer  

21.000

6. Interest rate charged to the loan secured in full by the bank account or bill issued by the bank    
- Interest rate quoted for or in pledged bank account or bill plus margin up to 2.50% per annum    
  Unit : Percentage per annum
B. Maximum Interest Rates
B. (1) Consumer loan

Personal Loan

 

Housing Loan

....

With collateral

Without collateral
(not under supervision)

7. Maximum Interest Rate - Normal case

14.000
(MRR+7)

16.000
(MRR+9)

11.000
(MRR+4)

.........….

8. Maximum Interest Rate - Default case 2/

The normal contractual interest rate +3.000

The normal contractual interest rate +3.000

The normal contractual interest rate +3.000

.............

B. (2) Commercial loan

Overdraft

Revolving

Short Term
(< 1 year)

Long Term
(> 1 year)

9. Maximum Interest Rate - Normal case

12.000
(MRR+5)

12.000
(MRR+5)

12.000
(MRR+5)

12.000
(MRR+5)

10. Maximum Interest Rate - Default case 2/

The normal contractual interest rate +3.000

The normal contractual interest rate +3.000

The normal contractual interest rate +3.000

The normal contractual interest rate +3.000

Remark
1/ Exclude the type of loan that the Bank of Thailand stipulates specific criteria
2/ For the loans with multi-interest rates specified in any loan agreement, the interest rate shall be the highest contractual interest rate +3.000 percent per annum.

2021
As of 1 April
2020
As of 28 Septemer
As of 15 April
2019
As of 24 September
2016
As of 18 May
2015
As of 8 June
As of 31 March
2014
As of 31 January
2012
As of 1 March
As of 5 November
2011
As of 14 January
As of 11 March
As of 25 April
As of 8 June
As of 14 July
As of 9 September

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