November ENTREPRENEURSHIP WORKSHOP (Banking and Financial Session)
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1 \ 4 November 2015 ENTREPRENEURSHIP WORKSHOP (Banking and Financial Session) 1
2 0AGENDA Getting to Start Business with Local Banks in Thailand Getting to Know Thannachart Bank Getting to Setup Office in Thailand 2
3 AGENDA Getting to Start Business with Local Banks in Thailand 1. Opening a Bank for Foreigner Customers Business Loans 3
4 Getting to Start Business with Local Banks in Thailand 1. Opening an Saving Current Fixed Deposit Foreign Current Deposit Non-Resident Baht List of required documents for opening account: (for individuals) 1. Foreign with short-stay (less than 1 year) 1.1 Passport or other state-issued ID card bearing the photo of the cardholder 1.2 Other official identification documents 1.3 Evidence of your address in Thailand as well as your regular address in your home country. 2. Foreign with long-stay 2.1 Passport or other state-issued ID card bearing the photo of the cardholder 2.2 One of the following documents An official document from another country Other documents (issued in Thailand) that show the name of the customer 4
5 Getting to Start Business with Local Banks in Thailand 1. Opening an Savings Current Fixed Deposit Foreign Current Deposit Non-Resident Baht When you open a savings account, you can opt to receive a handy DEBIT CARD. You can use your card to withdraw cash, or pay bills. A savings account can be opened with a minimum deposit of THB500. The account pays interest, based on the interest rates determined by the Bank. Interest is calculated daily and will credited to your account every six months. 5
6 Getting to Start Business with Local Banks in Thailand 1. Opening an Saving Current Fixed Deposit Foreign Current Deposit Non-Resident Baht You may open the account yourself at any of branches nationwide. If you are a resident or are working in Thailand, with just a minimum deposit of THB10,000, you can open a Current and be issued with personalized cheque. 6
7 Getting to Start Business with Local Banks in Thailand 1. Opening an Saving Current Fixed Deposit Foreign Current Deposit Non-Resident Baht To open a Fixed Deposit, all you need is a minimum deposit of THB1,000. 7
8 Getting to Start Business with Local Banks in Thailand 1. Opening an Saving Current Fixed Deposit Foreign Current Deposit Non-Resident Baht Foreign Current Deposit (FCD) provides the depositors with convenience in not having to convert foreign currencies to Thai Baht. This enables you to manage your foreign currency payments and income more effectively by minimizing risks from fluctuations in foreign currencies. You can hold your funds in any of 8 currencies (USD, EUR, GBP, JPY, SGD, AUD, CHF, and CAD). FCD can be saving, fixed deposit or current account, needing an initial opening deposit of USD1,000 or the equivalent. The products are for individuals and juristic persons who reside locally and overseas. The account pays interest, based on the interest rates determined by the Bank. The interest income is subjected to the withholding tax rates determined by the Revenue Department. 8
9 Getting to Start Business with Local Banks in Thailand 1. Opening an Saving Current Fixed Deposit Foreign Current Deposit Non-Resident Baht A non-resident Baht may be useful if you plan to transfer funds to Thailand for investment purposes and intend to repatriate your funds in the future. Transactions are recorded in accordance with Bank of Thailand (BOT) regulations. Please note that this account is not appropriate for daily use as all transactions are manual and can only be made in some branches. 9
10 0 Getting to Start Business with Local Banks in Thailand 2. Transferring Funds within Thailand into Thailand out of Thailand Electronic Banking Transferring with Thailand is very straightforward. You can use ATMs, Cash Deposit Machines, internet banking, call center, or visit a branch. 10
11 Getting to Start Business with Local Banks in Thailand 2. Transferring Funds within Thailand into Thailand out of Thailand Electronic Banking The Bank of Thailand (BOT) imposes no limits on how much money you can bring into Thailand. Western Union Money Transfer is an another faster way to transfer funds into Thailand. Western Union money transfers are immediate and secure. For Western Union Money transfer, the recipients shall need to prepare the following information/documents: - The sender s full name - The country where the money was sent form - The amount that was sent - The Money Transfer Control Number (MTCN) - The recipients valid government-issued identification 11
12 Getting to Start Business with Local Banks in Thailand 2. Transferring Funds within Thailand into of Thailand Out of Thailand Electronic Banking When visiting a branch and apply for the international fund transfer service, be sure to bring your passport together with a document that shows the source of income in your account to meet BOT s requirements Western Union Money Transfer is an another faster way to transfer funds out of Thailand. Western Union money transfers are immediate and secure, and recipients don t need a bank account to receive funds. For Western Union Money transfer, the maximum amount that can be sent per day is THB480,000. The senders shall need to prepare the following information/documents: - Valid government-issued photo identification - Cash to cover your payment and fees 12
13 Getting to Start Business with Local Banks in Thailand 2. Transferring Funds within Thailand out of Thailand into Thailand Electronic Banking Service Features - Check real-time balance and print out transactions of saving accounts, current accounts and fixed-deposit accounts. - Transfer money between your bank accounts for saving and current accounts. - Check status and stop cheques. - Transfer money to other bank accounts and make payment for utility services including goods and other services How to apply - Apply at any branch nationwide - Apply online. Documents required to apply for Electronic Banking service - Photocopy of ID card or passport and work permit/certificate of residence (for foreign customers) - Saving account book or current account number. 13
14 Getting to Start Business with Local Banks in Thailand 2. Transferring Funds within Thailand out of Thailand into Thailand Electronic Banking Thanachart ibiz Various financial services are available such as cash management and financial transfers. A financial transaction can be carried out anywhere and anytime The services include: - Information Reporting - Fund / Wire Transfer - Third Party Transfer - BAHTNET - Bulk Payment - Bill Payment - Payroll - Direct Credit / Credit 14
15 0 Getting to Start Business with Local Banks in Thailand 3. Business Loans Working Capital Facility Term Loans The short-term facility serves as working capital for businesses in managing their accounts receivable and inventories. You can draw down or repay your facility whenever you deem appropriate. 15
16 0 Getting to Start Business with Local Banks in Thailand 3. Business Loans Working Capital Facility Term Loans The Bank provides your business with support in the form of term loan facilities in the areas of infrastructure development investment, construction, investment in machinery and equipment as well as business expansion and acquisition, with a term of over one year. The repayment of loans (principal and loan) shall be paid on monthly basis. 16
17 0 Getting to Start Business with Local Banks in Thailand 3. Business Loans Working Capital Facility Term Loans Listed of Required Documents / Information - Commercial Registration - Memorandum of Association - Article of Association - A list of company s shareholders - Most recent Audited Financial Statements - Value Added Tax Return (or Por.Por. 30) Form - Construction permit (issued by government agency) in case of project finance - Collateral Valuation Report (appraised by an independent appraiser) - National Credit Bureau (NCB) Status Check Report: - Others 17
18 0AGENDA Getting to Start Business with Local Banks in Thailand Getting to Know Thannachart Bank Getting to Setup Office in Thailand 18
19 0GETTING TO KNOW THANACHART BANK Thanachart Bank Public Co., Ltd. (Tbank), now, is Thailand s sixth-largest bank by assets size and the country's leading automobile lender. As of August 31, 2015, Thanachart Bank s total assets exceeded THB0.93 trillion. With more than 600 branches nationwide, Thanachart Bank offers a full range of financial services as Universal Banking to over 4 million customers including Retail, Hire Purchase, Corporate and SME banking, Insurance, Life Assurance, Securities Brokerage and Fund Management. The major shareholders of Tbank is TCAP (51% of total shares) and the Bank of Nova Scotia (holds 49% of total shares via Scotia Netherlands Holding B.V.) 19
20 0AGENDA Getting to Start Business with Local Banks in Thailand Getting to Know Thannachart Bank Getting to Setup Office in Thailand 20
21 COST OF SETUP OFFICE IN THAILAND Chartered Square Holding Office Buildings IN CBD Area (Sathorn Road) Thai CC AIA Sathorn Tower Sangthong Thani Storey Completion Year Rental Area 30,132 52, ,520 38,500 30,000 (Sq.m.) Rental Rate (THB/Sq.m./ mth.) Electricity / Water (THB/Unit/ mth.) 5.65 / / Free 6.00 / / /
22 EXAMPLE OF LOCATIONS OF SMALL OFFICE SPACE FOR RENT 22
23 0REAL ESTATE INVESTMENT IN THAILAND The foreigners who living in Thailand are unable to own land themselves. However, there are exceptions to certain types of real estate as well as ways to get around the restriction: 1. Invest in Condominiums: Presently, foreigners are able to fully own their condominium units as long as the foreign ownerships of condominiums does not exceed 49% of the total area of the development. 2. In terms of other types of land and developments: Foreigners are unable to own land outright. Exceptions exist and are granted by the Ministry of the Interior and the Board of Investment (BOI). Land can be leased and used for 30 years, and can be renewed. 23
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