The results of the analysis are as follows :
1. MLR from Jan 2005 - Jun 2015 were higher at 7.75% less than 8.00% , but estimates MLR of SCB and KBANK for the IRS more than
8.00%.
2. The IRS is the interest Rate Heding from THBFIX to FIX rate ,But the interest rates that we use to do IRS is MLR so it's swap from MLR is THBFIX is FIX Rate.
So the Fix rate is quite high.