OBS_VALUE: According to the public manual provided by the Bank of Thailand, the applicant can file the application to obtain the license without paying fees, available at (in Thai): https://www.bot.or.th/Thai/FinancialInstitutions/PruReg_HB/Doc_Form/Docs_Manual/10101_การขอความเห็นชอบการขอยกระดับ%20ธย%20เป็นธนาคารพาณิชย์.pdf For an official English translation of the Financial Institution Businesses Act B.E.2551 (2008), please see https://www.bot.or.th/English/AboutBOT/LawsAndRegulations/SiteAssets/Law_E24_Institution_Sep2011.pdfFor a tentative English translation of the State Fiscal and Financial Disciplines Act B.E.2561 (2018), please see https://www.krisdika.go.th/librarian/get?sysid=834421&ext=pdf