To further the understanding from
@Bra****
.
An extension that requires one set is kept in that local office. Retirement for example.
And extension that requires 2 sets of documents means 1 set stays local and the other goes to the district/head office.
Marriage for example.
This makes the "massaging" more difficult and problematic.
As the banking and scrutiny has increased, costs increase and remain inflated.
It's getting harder to "fix" and will get harder if other banks and institutions follow Bangkok Bank.