Interbank Cheque Clearing, April 2013 in April 2013, the Volume and Value of Interbank Cheque Clearing Throughout the Country Increased from the Same Period Last Year

Interbank Cheque Clearing, April 2013 In April 2013, the volume and value of interbank cheque clearing throughout the country increased from the same period last year. Also, the value of total returned as a proportion to total cheques cleared grew from last month.

The number of interbank cheques cleared across the country in April 2013 totaled 6.5 million items, with a value of 3.4 trillion baht. The value expanded (14.8%) from the same period last year, as the value of cheque clearing Trillion Baht Value of Cheque Clearing and Ratio of Returned % 4.0 0.9 in Bangkok and Metropolitan areas 3. 1 1/ 0.8 and bills for collection (B/C -3D) 3.0 increased. The expansion was in line 0.7 with growing economic activities

2.0 0.6 reflected by a rise in government’s 0.5 tax revenue by 8.1% from last year, 1.0 0.4 compared to 5.9% of last month. 0.35 Compared to last month, the value 0.0 0.3

of total returned cheques as a

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May May proportion to total cheques cleared Value of Cheque Clearing (Trillion Baht) Ratio of Returned Cheques (%) rose from 0.57% to 0.58%. As to the value of cheque clearing classified by systems, the share of cheques cleared in Bangkok and Metropolitan areas and and B/C-3D rose from last month to 90.1% and 1.4% of the total, respectively. The share of provincial cheques decreased to 8.5% as cheques in Suphanburi, Rayong, and Khon Kaen provinces were cleared through Imaged Cheque Clearing and Archive System (ICAS) totaling 114,540 items, worth 41.95 billion baht. The volume and value increased 23.6% and 31.4% from last month, respectively. Value of cheque clearing across the country, classified by systems (based on areas) Unit : Billion baht Value of cheque clearing across the country April 2012 March 2013 April 2013 Classified by areas Value Percent Value Percent Value Percent Bangkok and Metropolitan Areas 2/ 2,639.7 88.8 3,132.8 90.0 3,071.9 90.1 Provincial Cheques 292.4 9.8 307.5 8.8 291.3 8.5 B/C-3D1/ 40.2 1.4 40.3 1.2 47.7 1.4 Total 2,972.2 100.0 3,480.6 100.0 3,410.9 100.0 1/ B/C-3D is inter-provincial cheque clearing 2/ The figure of April 2013 includes Suphanburi, Rayong, and Khon Kaen cheque clearing through ICAS

1. Interbank Cheque Clearing in Bangkok and Metropolitan Areas (Table 2) The number of cheques cleared in Bangkok and Metropolitan areas via ICAS totaled 4,688,746 items worth 3,071.9 billion baht. The volume and value grew 7.4% and 16.4% from the same period last year, respectively. The number of total returned cheques and returned cheques with insufficient funds stood at 62,359 and 40,223 items with a value of 14.6 and 6.1 billion baht, respectively. The proportion of total returned cheques and returned cheques with insufficient funds to total cheques cleared fell from 0.50% and 0.22% last month to 0.48% and 0.20%, respectively. Total settlement value of same-day cheque clearing was 31.2 billion baht per day. Five participants with the largest share in net debtor and net creditor positions accounted for 80.3% and 58.2% of total settlement value, respectively. 2. Intra-Provincial Cheque Clearing throughout the country (Table 3) The number of intra-provincial cheques cleared nationwide totaled 1,143,926 items, with a value of 291.3 billion baht, decreasing 0.4% from the same period last year. The number of total returned cheques and returned cheques with insufficient funds stood at 13,412 and 8,364 items with a value of 3.4 and 1.2 billion baht, respectively. The proportion, in terms of value, of total returned cheques and returned cheques with insufficient funds to total cheques cleared rose from 0.89% and 1.14% last month to 1.17% and 0.42%, respectively. The central region’s share, in terms of value, of intra-provincial cheque clearing remained the largest at 33.8%. The northeastern, southern, and northern regions had shares of 23.4%, 22.1%, and 20.6% of the total value, respectively. Provinces with highest values of cheque clearing in their respective regions included Chon Buri (36.6%), Nakon Ratchasrima (20.1%), Songkhla (29.9%), and Chiang Mai (33.9%). 3. Inter-Provincial Cheque Clearing (B/C-3D) (Table 4) The number of inter-provincial cheque clearing totaled 670,740 items worth 47.7 billion baht, rising 18.9% from the same period last year. The number of total returned cheques and returned cheques with insufficient funds totaled 21,671 and 17,982 items, having values of 1.8 and 1.4 billion baht, respectively. The proportion, in terms of value, of total returned cheques to total cheques cleared increased from 3.38% last month to 3.78% while the proportion of returned cheques with insufficient funds to total cheques cleared rose from 2.64% to 2.96%. In regard to the share of B/C-3D cheque’s value by region, the share of central region having largest portion of the total deceased from 43.2% last month to 40.3%, and the other three regions included north eastern, northern, and southern regions, having shares of 24.1%, 19.2%, and 16.3%, respectively. Analysis and Development Team Payment and Bond Department

Attached Tables

Table 1 Volume and value of nationwide cheque clearing Volume : Items, Value : Billion Baht Returned Cheques with Total Cheques Cleared Total Returned Cheques1/ Insufficient Funds1/ Year / Month Daily Daily Volume Value Volume %2/ Value %2/ Volume %2/ Value %2/ Average Average 2010 75,123,130 310,426 33,780.0 139.6 1,320,666 1.76 205.64 0.61 888,924 1.18 101.15 0.30 2011 73,927,540 302,982 35,998.5 147.5 1,176,491 1.59 182.23 0.51 782,148 1.06 96.35 0.27 D% -1.6 -2.4 6.6 5.7 2012 74,730,010 408,361 35,577.1 194.4 1,063,863 1.42 209.10 0.59 706,150 0.94 97.01 0.27 D% 1.1 34.8 -1.2 31.8 October 6,902,531 313,751 3,625.1 164.8 95,376 1.38 17.10 0.47 64,167 0.93 8.21 0.23 D% 22.3 22.3 35.2 35.2 November 6,193,730 281,533 3,337.8 151.7 89,857 1.45 15.57 0.47 59,535 0.96 7.66 0.23 D% 18.5 18.5 30.7 30.7 December 5,688,506 316,028 3,289.4 182.74 85,215 1.50 16.38 0.50 56,869 1.00 7.69 0.23 D% -2.3 8.6 11.4 23.8 January 2013 6,578,319 365,462 3,533.3 196.30 95,629 1.45 16.59 0.47 63,830 0.97 8.91 0.25 D% 13.3 25.8 28.4 42.7 February 5,821,732 306,407 3,079.5 162.08 82,079 1.41 15.54 0.50 55,060 0.95 7.59 0.25 D% -5.1 4.8 5.7 16.9 March 6,377,693 303,700 3,480.6 165.74 86,787 1.36 19.81 0.57 57,681 0.90 8.98 0.26 D% -1.4 -1.4 5.4 5.4 April 6,503,412 342,285 3,410.9 179.52 97,442 1.50 19.80 0.58 66,569 1.02 8.77 0.26 D% 5.3 -5.8 14.8 2.7 Source : Payment and Bond Department, Bank of Thailand Remarks : D% represents rate of change from the same period of the previous year. 1/ Data collection on returned cheques from July 2005 onwards has been changed from data collected on the basis of date of cheque return to cheque clearing date. 2/ In proportion of cheques cleared.

Table 2 Volume and Value of Cheque Clearing in Bangkok and Metropolitan Areas Volume : Items, Value : Billion Baht Returned Cheques with Insufficient Total Cheques Cleared Total Returned Cheques1/ Funds1/ Year / Month Daily Daily Volume Value Volume %2/ Value %2/ Volume %2/ Value %2/ Average Average 2010 53,863,768 222,578 30,246.7 125.0 875,661 1.63 160.45 0.53 562,269 1.04 75.81 0.25 2011 52,432,128 214,886 32,052.7 131.4 780,922 1.49 138.01 0.43 496,390 0.95 69.91 0.22 D% -2.7 -3.5 6.0 4.5 2012 53,162,494 216,990 31,636.5 129.1 686,884 1.29 160.50 0.51 432,673 0.81 70.34 0.22 D% 1.4 1.0 -1.3 -1.7 October 4,876,645 221,666 3,236.7 147.1 61,525 1.26 12.89 0.40 39,333 0.81 5.86 0.18 D% 23.2 12.0 36.5 24.0 3/ November 4,428,929 201,315 2,967.8 134.9 57,337 1.29 10.93 0.37 35,530 0.80 5.11 0.17 D% 25.7 25.7 33.0 33.0 3/ December 4,122,487 229,027 2,939.4 163.30 55,077 1.34 12.08 0.41 34,915 0.85 5.44 0.19 D% -0.6 10.4 11.9 24.3 January 2013 4,595,211 208,873 3,151.2 143.24 60,399 1.31 12.04 0.38 38,734 0.84 6.31 0.20 D% 13.1 2.9 29.3 17.6 February 4,152,466 218,551 2,756.7 145.09 52,965 1.28 11.93 0.43 33,937 0.82 5.55 0.20 D% -4.6 5.5 6.7 18.0 3/ March 4,655,662 221,698 3,132.8 149.18 55,808 1.20 15.70 0.50 35,448 0.76 6.78 0.22 D% 0.8 0.8 7.9 7.9 3/ April 4,688,746 246,776 3,071.9 161.68 62,359 1.33 14.60 0.48 40,223 0.86 6.12 0.20 D% 7.4 -3.9 16.4 4.1 Source : Payment and Bond Department, Bank of Thailand Remarks : D% represents rate of change from the same period of the previous year. 1/ Data collection on returned cheques from July 2005 onwards has been changed from data collected on the basis of date of cheque return to cheque clearing date. 2/ In proportion of cheques cleared. 3/ Include volume and value of cheque clearing through ICAS in Suphanburi, Rayong, and Khon Kaen Volume : Items, Value : Billion Baht Volume and value of cheques clearing in provincial areas via ICAS Daily Daily Month/Year Volume Value Average Average Jan 13 13,522 615 3.65 0.17 Feb 13 2/ 28,703 3,926 9.57 0.72 Mar 13 3/ 92,676 5,900 31.93 1.05 Apr 13 3/ 114,540 6,028 41.95 2.21 Remarks : 1/ Suphanburi province began to clear cheque via ICAS since November 15, 2012 2/ The figure includes cheques of Suphanburi and Rayong (Rayong began to clear cheques via ICAS since February 21, 2013) 3/ The figure includes cheques of Suphanburi, Rayong and Khon Kaen (Khon Kaen began to clear cheques via ICAS since March 21, 2013) 4

Table 3 Volume and Value of Intra Provincial Cheque Clearing though Provincial Clearing House Volume : Items, Value : Billion Baht Returned Cheques with Total Cheques Cleared Total Returned Cheques1/ Insufficient Funds1/ Year / Month Daily Daily Volume Value Volume %2/ Value %2/ Volume %2/ Value %2/ Average Average 2010 14,532,881 60,053 3,137.09 12.96 210,506 1.45 30.43 0.97 138,025 0.9 14.29 0.46 2011 14,775,025 60,553 3,507.80 14.38 185,978 1.26 28.98 0.83 119,239 0.8 15.01 0.43 D% 1.7 0.8 11.82 11.0 2012 14,799,302 60,405 3,489.45 14.2 179,180 1.21 32.61 0.93 113,253 0.8 14.76 0.42 D% 0.2 -0.2 -0.5 -1.0 October 1,286,130 58,460 338.28 15.4 15,947 1.24 2.86 0.85 10,163 0.8 1.29 0.38 D% 11.7 1.6 23.70 12.5 November 1,169,724 53,169 327.89 14.9 14,221 1.22 3.26 0.99 8,969 0.8 1.47 0.45 D% -2.2 -2.2 13.95 13.9 December 1,085,221 60,290 312.87 17.38 14,008 1.29 2.94 0.94 8,954 0.8 1.22 0.39 D% -8.5 1.7 7.50 19.4 January 2013 1,263,993 57,454 332.43 15.11 15,054 1.19 2.93 0.88 9,224 0.7 1.34 0.40 D% 6.8 -2.9 20.52 9.6 February 1,126,012 59,264 282.80 14.9 12,360 1.10 2.28 0.81 7,515 0.7 0.97 0.34 D% -9.7 -0.2 -3.0 7.2 March 1,206,178 57,437 307.49 14.6 13,583 1.13 2.74 0.89 8,388 0.7 1.14 0.37 D% -10.6 -10.6 -14.9 -14.9 April 1,143,926 60,207 291.30 15.3 13,412 1.17 3.39 1.17 8,364 0.7 1.23 0.42 D% -6.5 -16.4 -0.4 -10.9 Source : Payment and Bond Department, Bank of Thailand Remarks : D% represents rate of change from the same period of the previous year. 1/ Data collection on returned cheques from July 2005 onwards has been changed from data collected on the basis of date of cheque return to cheque clearing date. 2/ In proportion of cheques cleared.

Table 4 Volume and Value of Inter-Provincial Cheque Clearing (Bill for Collection – B/C) through the BOT’s System Volume : Items, Value : Billion Baht Returned Cheques with Total Cheques Cleared Total Returned Cheques1/ Insufficient Funds1/ Year / Month Daily Daily Volume Value Volume %2/ Value %2/ Volume %2/ Value %2/ Average Average 2010 6,726,481 27,795 396.2 1.64 234,499 3.49 14.76 3.73 188,630 2.80 11.05 2.79 2011 6,720,387 27,543 438.0 1.79 209,591 3.12 15.24 3.48 166,519 2.48 11.43 2.61 D% -0.1 -0.9 10.6 9.1 2012 6,768,214 27,625 451.2 1.8 197,799 2.92 15.99 3.54 160,224 2.37 11.91 2.64 D% 0.7 0.3 3.0 2.6 October 739,756 33,625 50.2 2.3 17,904 2.42 1.35 2.69 14,671 1.98 1.06 2.11 D% 38.1 38.1 43.9 43.9 November 595,077 27,049 42.1 1.9 18,299 3.08 1.38 3.28 15,036 2.53 1.08 2.56 D% 17.3 17.3 24.3 24.3 December 480,798 26,711 37.1 2.06 16,130 3.35 1.36 3.66 13,000 2.70 1.03 2.78 D% -1.2 9.7 7.1 19.0 January 2013 719,115 32,687 49.7 2.26 20,176 2.81 1.62 3.26 15,872 2.21 1.26 2.53 D% 27.7 16.1 27.2 15.7 February 543,254 28,592 40.1 2.11 16,754 3.08 1.33 3.31 13,608 2.50 1.07 2.67 D% 0.8 11.4 4.8 15.8 March 515,853 24,564 40.3 1.92 17,396 3.37 1.36 3.38 13,845 2.68 1.06 2.64 D% 3.2 3.2 9.2 9.2 April 670,740 35,302 47.7 2.51 21,671 3.23 1.80 3.78 17,982 2.68 1.41 2.96 D% 14.0 2.0 18.9 6.4 Source : Payment and Bond Department, Bank of Thailand Remarks : D% represents rate of change from the same period of the previous year. 1/ Data collection on returned cheques from July 2005 onwards has been changed from data collected on the basis of date of cheque return to cheque clearing date. 2/ In proportion of cheques cleared.