I know of at least three major Thai banks that hold your money waiting for the Thai baht exchange rate to improve before depositing the money in your account, This has been going on for at least 20 years. It works like this, recently I took a $20k personal check to Kasikorn bank. I was told as always “this will take up to 45 days to process”. This is a lie of course as the check clears the bank in the foreign country in 10-14 days, sometimes only a week. When the money is deposited in the Thai bank, the rate was 32 to 1 USD. Kasicorn kept the money another month until the rate suddenly dropped to 31 to 1 USD, and deposited the funds at that rate in my account, scamming me out of 20,000 baht!!