In Thailand there is no black and white. Everything is grey. The same bank, let's say Bangkok Bank, you go to a branch and they would require you to provide XYZ documents and ask different questions, then you go to a different branch and they require different things or nothing at all.
I do not know what country they are reporting his account to. I was not with him during the whole process he was with the banker, but I know he only needed his passport (European) and pay for the insurance, and they opened the account for him right away. In some branches even with lease contract + resident certificate (without work pernit), and so on, they do not open it for you unless you buy the insurance. If you buy the insurance, they do not require anything besides your passport. In others they do not try to sell you the insurance, like in my case, and just wirh the lease country and certified copy of my passport was enough.
He did not have any address in Thailand and actually he was leaving the country a couple of days later. So I guess he gave them his address in Europe. He was staying in hotels or serviced aparrments.
I will tell you, the branch he went to was Bangkok Bank at Siam Paragon (ground floor I think). Also if you pay an agent around the same amount the insurance costs, they can open accounts for you too.