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PRIN: Annual Report 2008

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Text of PRIN: Annual Report 2008

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    9 10 12 17 18 25 27 29 31 47 59 62 2551 64 77 78 88

  • 44 2551

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  • 99 2551

    2551

    (Sub-Prime Crisis)

    2551

    2552

  • 1010 2551

    3

    ()

    2551 5

    (Internal Control) (Internal Audit)

    (Financial Auditing)

    (Regulators)

    2552 /

    2552

    2551

    ( )

    23 2552

  • 1111 2551

  • 1212 2551

    ()

    () 31 2551

    ( ) ( )

  • 1313 2551

    31 2551

    ()

    /, // // /, // /, // /, // // / // /, // /, // /, // /, // /, //

    : / = // =

  • 1414 2551

  • 1515 2551

    : ()

    :

    : 123 12

    10900

    : 0107574700320

    : www.prinsiri.com

    : 0-2617-6900

    : 0-2617-6910-1

    2

    1.

  • 1616 2551

  • 1717 2551

    2.1

    2.1.1

    () 23 2543 5

    Award

    of Merit 2544 2547 PCBC (Pacific Coast Builders Conference)

    2550 2551

    31 2551 1,340

    1,005

    2.2

    ()

    ...

    ()

    31 2551

    () 1,340 1,005

    100.00

    32.00

    ()

    2.00

    51.00% 99.99% 99.99%

    2.

  • 1818 2551

    2.3

    2550 2551

    121.22 4.64 123.50 2.83

    / / 1,321.88 50.62 1,238.29 28.34

    / / 1,080.74 41.39 2,107.52 48.24

    - - 2.29 0.05

    - - 827 18.93

    / 2,523.84 96.65 4,298.60 98.39

    61.62 2.36 26.14 0.59

    / 25.78 0.99 44.42 1.02

    2,611.24 100.00 4,369.16 100.00 : 7

    3 7

    2550 2551

    96.65 98.39 2550

    52.01 50.62 2551

    48.24

    2551 5

    37 2 2

    3.1

    () ()

    ...

    3.1.1

    4

    3.

  • 1919 2551

    (1) (SingleDetachedHouse)

    (1.1)

    :

    :

    : 7.0

    :

    (1.2)

    :

    :

    : 3.0 7.0

    :

    (1.3)

    :

    :

    : 5.00 10.00

    :

    (2) (SemiDetachedHouse):

    :

    :

    : 2.00 4.00

    :

    (3) (TownHouse&HomeOffice)

    (3.1) 3

    :

    :

    : 2.00 3.00

    :

  • 2020 2551

    (3.2) 2 :

    :

    :

    : 1.50 4.8

    :

    (3.3)

    :

    :

    : 2.00 4.00

    :

    3.1.2 (Condominium)

    8

    The PULSE

    Low Rise Condominium ( 8 ) The COMPLETE

    High Rise Condominium ( 8 )

    (1) Low Rise Condominium

    :

    :

    : 1.29

    :

    :

    :

    : 0.69 - 1.00

    :

  • 2121 2551

    :

    : 2

    : 2.00 - 5.00

    :

    (2) 8 (High Rise)

    :

    :

    : 1.79 12.00

    :

    31 2551 2552

    (1)

    :

    :

    : 3 - 7

    :

    (2)

    :

    :

    : 1.5 - 3

    :

    (3)

    :

    :

    : 3 - 7

    :

    (4)-

    :

    :

    : 1 - 3

    :

  • 2222 2551

    3.2.

    3.2.1

    2551

    2551 69,757

    199,885 67,791

    184,245 97

    92 2551

    2551 67,791

    46 30 17 5

    2 184,245

    2.72

    : (AREA)

    2551

    67,791

    : (AREA)

    2550

    81,364

    2551( : )

    ()

    500,000 - - - - 80 - 80 0.12%

    500,001 - 1,000,000 - 96 5,125 - 4,014 - 9,235 13.62%

    1,000,001 - 2,000,000 449 1,027 9,240 - 11,562 6 22,284 32.87%

    2,000,001 - 3,000,000 3,860 1,388 2,684 333 7,478 - 15,743 23.22%

    3,000,001 - 5,000,000 4,028 843 3,003 472 5,243 - 13,589 20.05%

    5,000,001 - 10,000,000 2,965 - 138 301 2,374 - 5,778 8.52%

    10,000,001 - 20,000,000 405 - 29 - 520 51 1,005 1.48%

    20,000,000 - - 24 - 51 2 77 0.11%

    11,707 3,354 20,243 1,106 31,322 59 67,791 100%

    , 22%

    , 2%

    , 55%

    , 7%

    14%

    , 30%

    , 2%

    , 46%

    , 5%

    , 17%

  • 2323 2551

    2551

    3 5 34.41

    1 2 32.97

    2 3 41.38

    1 2 30.62

    1 2 45.65

    0.50 1 25.32

    3 5

    42.68 2 3

    30.11 1

    2 36.91 2 3

    16.74

    10 20 86.44 1

    2 10.17

    3.2.2.

    2551

    2552 2552

    (1)

    1

    28 2552 28 2553

    3 0.1

    2 0.01

    0.01 1

    100,000

    200,000

    (2)

    (3)

    (4)

  • 2424 2551

  • 2525 2551

    31 2551 25

    16,459.17 10,994.96

    2552 2553 6 1,883.68

    4.1

    /

    ()

    ()

    2 A

    1-0-31

    2 ()

    79 299.59 1 2553

    ( A)

    2 18-2-9.10

    193

    532.18

    1 2553

    ( B)

    2 7-2-39.90

    73

    211.73

    1 2553

    ( C)

    2 11-2-21.50

    116

    308.80

    3 2552

    ( E)

    2 18-3-37.80

    206

    531.38

    1 2553

    667 1,883.68

    4.2

    /

    ()

    ()

    2 10-0-18.60

    . 20 100.00 3 2552

    20 100.00 : 51

    31 2551 . . 18-3-3

    69.53 28 2551 172

    - 12 . 10-3-24.60 57.00

    2 4

    (Land Bank)

    4.

  • 2626 2551

  • 2727 2551

    5.1

    31 2551 1,340

    1,005 1 26 2550 1/2550

    335,000,000

    () 335,000,000

    () 1/2551 22 2551

    335,000,000

    5.2

    10 31 2551

    ()

    ()

    1. * 714,097,071 71.67 2 111,746,400 11.12 3 MORGAN STANLEY & CO. INTERNATIONAL PLC 30,000,000 2.99 4 18,384,500 1.83 5 .. 17,829,550 1.77 6 UOB KAY HIAN (HONG KONG)

    LIMITED-Client Account 9,455,000 0.94 7 5,085,000 0.51 8 4,998,650 0.51 9 3,195,000 0.32 10 90,208,829 8.34

    1,005,000,000 100.00 * : 10

    - ()

    1. .. 233,592,196 23.24 2 120,102,669 11.95 3 101,000,000 10.05 4 .. 84,866,368 8.44 5 49,378,168 4.91 6 21,915,068 2.78 7 12,800,000 1.27 8 9,075,000 0.90 9 8,100,000 0.81 10 7,950,144 0.79

    `

    5.

  • 2828 2551

  • 2929 2551

    40

    6.

  • 3030 2551

  • 31

    31 2551

    7.

  • 3232 2551

    7.1

    2

    68 .. 2535

    . 12/2543

    22 2543

    7.1.1 31 2551 9

    1. / 2. / 3. / 4. / 5. / 6. / 7. 8. 9. /

    1. / /

    2.

  • 3333 2551

    1.

    2.

    3. /

    -

    -

    2550 2551 6 4

    - 2550 2551

    1 6/6 3/4 2 6/6 4/4 3 6/6 4/4 4 5/6 4/4 5 5/6 4/4 6 6/6 4/4 7 6/6 4/4 8 6/6 3/4 9 6/6 4/4 10 - 1/4

    : 22 2551

    1 2551

    7.1.2 31 2551 3

    1. 2. 3.

  • 3434 2551

    1.

    2. (Internal Control) (Internal Audit)

    3.

    (Financial Auditing)

    4.

    (Regulators)

    5.

    6.

    7.

    8.

    9.

    10.

    2550 2551 5 5

    - 2550 2551

    1 5/5 5/5 2 5/5 5/5 3 3/5 5/5

    7.1.3 31 2551 3

    1. 2. 3.

  • 3535 2551

    1.

    2.

    3.

    4.

    5.

    2550 2551 4 4

    7.1.4 31 2551 5

    1. 2. 3. 4. 5.

    1.

    2.

    3.

    4.

    5.

    6.

    7.

    750

    8.

    9.

    750

    10.

  • 3636 2551

    7.1.5 31 2551 5

    1. 2

    3. 4. 5.

    1.

    2.

    3.

    4.

    5.

    /

    7.2

    68 .. 2535

    7.2.1

  • 3737 2551

    1. 1)

    2)

    2.

    3.

    5

    1 3

    1 3

    2

    7.2.2

    3

    7.2.3

    7.2.4

  • 3838 2551

    7.3

    7.3.1

    7.3.1.1 2550

    2551 1,847,500 1,550,000

    :

    2550 2551

    1. 120,000 200,000 85,000 200,000 2. 245,000 200,000 200,000 200,000 3. 245,000 125,000 210,000 125,000 4. 7,500 50,000 10,000 - 5. 10,000 50,000 7,500 50,000 6. 10,000 50,000 10,000 50,000 7. 170,000 125,000 210,000 125,000 8. * 10,000 50,000 7,500 - 9. 10,000 50,000 10,000 50,000 947,500 900,000 750,000 800,000

    * 22 2551

    7.3.1.2

    :

    2550 2551

    ()

    ()

    7 13,580,000 8 14,890,000 6 2,770,000 6 2,665,000 7 16,350,000 8 17,350,000

    7.3.2

    --

    7.4

    (Corporate Governance)

    3 2547

  • 3939 2551

    5

    1.

    2.

    3.

    4.

    5.

    7.4.1

    2

    68

    .. 2535 . 12/2543

    1.

    2.

    3.

    4.

    7.4.2

    4

    14

    3 1 3

    (Web Site) (Investor Relations)

    30

  • 4040 2551

    Web Site

    2

    (Investor Relations)

    (Web Site) (Investor Relations)

    (Investor Relations)

    (Web Site)

    7.4.3

    7.4.4 2551 1

    1/2551 2551 22 2551

    (

    web site 30 )

    7

    3

    1 3

    2552

    (Web Site)

    (Investor Relations) 30

    Web Site

    2551 9

    2

  • 4141 2551

    1.30

    (Web Site)

    (Investor Relations) 14

    7.4.5

    7.4.6

    1.

    2.

    9.5

    7.4.7

    3 2547

  • 4242 2551

    7.4.8

    9

    - 5

    - 4

    4 1 3

    7.4.9

    7.4.10

    2551

    2,480,000

    7.3

    7.4.11 4

    7

    2550 2551 4 4

    9.1

    7.4.12

    2

    9.1.2 9.1.3

  • 4343 2551

    1.

    2.

    3.

    4.

    7.4.13

    (Management Control) (Financial Control)

    (Operational Control)

    (Out Source)

    2550

    7.4.14

    7.4.15

  • 4444 2551

    (Investor Relations)

    2551

    (Analyst Meeting) 3

    (Opportunity Day) 1

    (E-mail)

    (Web Site)

    www.prinsiri.com (Investor Relations)

    7.5

    1. 59

    ... .14/2540

    275 .. 2535

    2.

    1

    3.

    1/2551

    ( 3)

  • 4545 2551

    7.6

    7.6.1

    31 2551 264

    ()

    28

    26

    24

    2

    90

    64

    30

    264 3

    7.6.2 421 2550

    102.94 2551 295 107.75

    7.6.3

  • 4646 2551

  • 47

    8.1

    2550 2551

    :

    /

    2550 2551 31

    ..

    2550

    31

    ..

    2551

    1.

    99.99

    (1.1)

    - ()

    - ()

    -

    -

    -

    137.42

    31.02

    -

    -

    -

    254.71

    25.95

    -

    -

    -

    -

    -

    11.17

    4.95

    5.00

    -

    -

    48.98

    4.59

    -

    ()

    30 60

    8.

  • 48

    /

    2550 2551 31

    ..

    2550

    31

    ..

    2551

    2549

    247 (

    )

  • 49

    /

    2550 2551 31

    ..

    2550

    31

    ..

    2551

    (1.2)

    - ()

    - ()

    -

    -

    35.50

    22.69

    -

    -

    29.75

    8.30

    -

    -

    -

    -

    1.02

    1.25

    -

    -

    0.39

    1.25

    99.99

    (1.1)

    2.

    (2.1)

    -

    -

    -

    7.56

    -

    -

    0.59

    -

    -

    -

    0.14

    1.19

    -

    -

    1.25

  • 50

    /

    2550 2551 31

    ..

    2550

    31

    ..

    2551

    14.18

    14.5

    30 60

  • 51

    /

    2550 2551 31

    ..

    2550

    31

    ..

    2551

    3.

    51.00

    (3.1)

    -

    -

    -

    -

    -

    -

    -

    -

    6.72

    -

    23.62

    26.41

    0.26

    -

    -

    -

    -

    18.90

    13.69

    -

    3.69

    255.00

    39.08

    -

    -

    -

    443.47

    1.57

    155.25

    -

    -

    -

    -

    -

    () ()

    51 49

    500

    MLR+2

  • 52

    /

    2550 2551 31

    ..

    2550

    31

    ..

    2551

    350,000

    2

    2548

  • 53

    /

    2550 2551 31

    ..

    2550

    31

    ..

    2551

    4.

    14.18

    (4.1)

    -

    -

    -

    20.00

    0.25

    -

    -

    -

    -

    -

    -

    0

    -

    -

    0

    2549 2550

    5.00

    12 2550

  • 54

    /

    2550 2551 31

    ..

    2550

    31

    ..

    2551

    5.

    /

    /

    23.24

    (5.1)

    -

    -

    50.00

    0.12

    50.00

    0.93

    50.00

    -

    100.00

    -

    2551 2550

    1 2551 5.00

  • 55

    /

    2550 2551 31

    ..

    2550

    31

    ..

    2551

    6.

    ()

    99.97

    (6.1)

    -

    -

    -

    56.00

    -

    2.08

    -

    -

    0.96

    56.00

    2.08

    -

    56.00

    3.04

    -

    () ()

    ()

    ()

    MLR

  • 56

    /

    2550 2551 31

    ..

    2550

    31

    ..

    2551

    7.

    0.78

    (7.1)

    -

    -

    18.76

    18.76

    -

    -

    -

    -

    -

    -

    2550

  • 5757 2551

    8.2

    8.3

    8.4

  • 5858 2551

  • 5959 2551

    9.1 9.1.1

    9.1.2

    (Pre-Built)

    (Semi Pre-Built)

    9.1.3

    (Land Bank)

    9.

  • 6060 2551

    9.1.4

    9.1.5 2551 2550

    3

    2550

    1

    28 2553

    9.2 50 31 2551

    714,097,071 71.67

    (Takeover)

    4

  • 6161 2551

  • 6262 2551

    10.1

    10.1.1

    (1) 2551 2550

    2982

    31 2551 2550

    (2) 2550 2549

    3104

    31 2550 2549

    10.1.2

    10.

  • 6363 2551

  • 6464 2551

    31 2549 31 2550 31 2551

    111.14 2.53 113.20 1.94 66.16 0.93 26.98 0.61 43.06 0.74 15.46 0.22 - 30.27 0.69 16.17 0.28 2.40 0.03 3,873.10 88.11 4,809.34 82.23 6,472.13 90.59 150.56 3.42 595.54 10.18 316.99 4.42 4,192.06 95.36 5,577.31 95.36 6,873.15 96.21 - 36.43 0.83 40.79 0.70 38.94 0.55 69.53 1.58 126.53 2.16 126.53 1.77 92.09 2.09 91.64 1.57 85.49 1.20 5.86 0.13 12.24 0.21 19.99 0.28 203.91 4.64 271.21 4.64 274.95 3.79 4,395.97 100.00 5,848.52 100.00 7,144.110 100.00

    327.67 7.45 433.64 7.41 738.58 10.34 - 330.55 7.52 295.00 5.04 249.16 3.49 - 64.17 1.46 51.69 0.88 - - 241.31 5.49 249.19 4.26 202.59 2.84 - - 764.20 13.07 1,346.74 18.85 77.99 1.77 264.67 4.53 387.91 5.43 204.34 4.65 224.87 3.84 301.18 4.21 1,246.03 8.34 2,283.25 39.04 3,226.16 45.16 - 100.00 2.27 - - - - - - 2.12 0.04 4.70 0.07 1,188.00 27.02 1,261.04 21.56 1,306.28 18.28 55.82 1.27 74.53 0.01 78.77 1.10 1,343.82 30.57 1,337.68 0.23 1,389.74 19.45

    2,589.84 58.91 3,620.93 0.62 4,615.91 64.61

  • 6565 2551

    - 670,000,000 1 670.00 - 1,340,000,000 1 1,340.00 1,340.00

    - 670,000,000 1 670.00 15.24 - 1,005,000,000 1 1,005.00 17.18 1,005.00 14.07 272.71 6.20 440.21 7.53 440.21 6.16 - 54.34 1.24 58.24 1.00 73.84 1.03 777.23 17.68 670.41 11.46 940.22 13.16 - - 0.30 0.01 0.18 0.00 31.85 0.72 53.43 0.91 68.90 0.96

    1,806.13 41.09 2,227.58 38.09 2,528.19 35.39 4,395.97 100.00 5,848.52 100.00 7,144.11 100.00

  • 6666 2551

  • 6767 2551

    2549 2550 2551

    2,862.65 96.69 2,523.84 96.65 3,471.67 79.39 - - - - 827.00 18.91 86.07 2.91 61.62 2.36 30.26 0.69 11.79 0.40 25.78 0.99 43.95 1.00 2,960.52 100 2,611.24 100.00 4,372.88 100.00 1,926.62 65.08 1,935.38 74.12 2,641.04 60.40 - - - - 739.03 16.90 75.00 2.53 54.55 2.09 27.71 0.63 356.69 12.05 461.36 17.67 431.87 9.88 1.85 0.06 1.85 0.07 1.55 0.04 2,360.17 79.72 2,453.14 93.95 3,841.20 87.84 600.35 20.28 158.11 6.05 531.68 12.16 6.41 0.22 6.69 0.26 63.17 1.44 151.03 5.10 63.49 2.43 137.48 3.14 442.91 14.96 87.92 3.37 331.03 7.57 4.89 0.17 (9.9) (0.3) (15.47) (0.35)

    447.8 15.13 77.98 2.99 315.56 7.22 0.67 0.09 0.33 670,000,000 895,780,822 1,005,000,000

  • 6868 2551

    ()

    2551 2550

    () 468,514,596.09 151,412,219.68

    ()

    0.00 (12,011,485.54)

    (1,375,341.94) (1,398,445.80)

    (26,998.00) (1,403,872.93)

    14,210,316.82 12,472,473.93

    (3,729,915.54) (2,370,095.72)

    5,511,436.86 6,973,568.96

    3,621,820.82 2,215,042.71

    99,369.67 100,567.61

    42,733,050.10 0.00

    7,000,000.00 0.00

    63,169,787.76 6,693,928.24

    ()

    599,728,122.64 162,683,901.14

    ()

    8,372,893.05 7,277,678.79

    (1,533,743,955.42) (730,606,156.62)

    260,896,004.68 (444,981,395.90)

    2,903,650.20 (6,382,837.71)

    () (1,261,571,407.49) (1,174,692,711.44)

    ()

    - (51,686,000.00) (64,167,000.00)

    (46,598,400.26) 19,891,688.37

    123,239,056.85 186,685,270.00

    84,386,483.34 41,160,023.93

    () 109,341,139.93 183,569,982.30

    () (552,502,144.92) (828,438,828.00)

    (288,028,287.62) (123,641,532.88)

    (92,474,545.95) (121,177,993.00)

    () (933,004,978.49) (1,073,258,353.88)

  • 6969 2551

  • 7070 2551

    ()

    2551 2550

    (545,872,747.32) (550,659,500.00)

    574,572,645.00 536,279,257.51

    () 0.00 0.00

    () 10,382,393.07 19,168,572.12

    0.00 0.00

    0.00 (57,000,000.00)

    27,000.00 1,401,869.16

    (4,265,167.38) (12,229,406.08)

    () 34,844,123.37 (63,039,207.29)

    () 304,938,372.09 105,966,961.84

    () (45,834,200.00) (35,546,700.00)

    () (2,970,078.48) (1,029,407.10)

    () 625,136,688.64 735,729,513.64

    0.00 502,500,000.00

    0.00 11,637,500.00

    (720.00) (426.00)

    (30,150,000.00) (180,900,000.00)

    () 851,120,062.25 1,138,357,442.38

    () (47,040,792.87) 2,059,881.21

    1 113,204,772.53 111,144,891.32

    31 66,163,979.66 113,204,772.53

  • 7171 2551

  • 7272 2551

    2549 2550 2551

    () 3.36 2.44 2.13 () 0.14 0.08 0.03 () (0.73) (0.61) (0.34) - () 91.46 87.46 287.99 - () 3.94 4.12 1.25 () 0.62 0.46 0.47 () 583.69 785.37 760.91 () 4.96 6.38 10.49 () 72.61 56.39 34.31 Cash Cycle () 515.02 733.10 727.84 - (%) 32.70 23.32 23.93 - (%) 12.86 11.48 8.44 (%) 20.36 6.12 15.18 (%) (146.65) (678.82) (175.48) (%) 15.13 2.99 7.22 (%) 27.51 3.87 13.27 (%) 11.80 1.52 4.86 (%) 230.53 38.08 116.41 () 0.78 0.51 0.67 () 1.43 1.63 1.83 () (112.82) (149.85) (11.59) () 1.25 2.04 1.69 (%) 40.40 38.66 9.55

  • 7373 2551

    10.2 2551 2551 3,471 37.55 2550

    31 2551

    44 2551

    827.00

    ()

    6-7

    7-8 11-24

    2551 49.

    2551 331 2550 276

    2550 .31 2549 .09

    2551 1.83

    2551

  • 7474 2551

    2,325

    304

    5,000

    4,000

    3,000

    2,000

    1,000

    0

    500

    450

    400 350

    300 250

    200 150

    100 50

    0

    48

    48

    49

    49

    50

    50

    51

    51

    2,960

    447

    2,611

    77

    4,372

    331

    (Net Income)

    (Net Profit)

  • 7575 2551

    30

    25

    20

    15

    10

    5

    0 48

    27.23 27.51

    3.87

    13.27

    % %

    49 50 51

    14

    12

    10

    8

    6

    4

    2

    0 48

    11.45 11.8

    1.52

    4.86

    % %

    49 50 51

    (ROA)

    (ROE)

  • 7676 2551

  • 7777 2551

    ()

    (1) 312551

    ()

    ()

    31 2550

    202551

    (2)

    (3)

    31 2551

    () ()

    ()

    2982

    232552

  • 7878 2551

    () ()

    2551 2550 2551 2550

    6 66,163,979.66 113,204,772.53 28,825,683.24 84,966,180.35

    7 15,457,345.70 43,058,418.70 0.00 0.00

    - 8 2,398,142.72 16,174,377.91 1,579,360.00 3,686,008.00

    - 9 0.00 0.00 211,254,200.00 311,000,000.00

    10 6,472,135,013.93 4,809,337,067.29 6,056,881,969.20 3,933,359,016.83

    143,949,041.24 95,929,802.79 140,333,695.70 93,126,064.47

    - 101,800,000.00 474,153,650.27 90,200,000.00 462,553,650.27

    45,293,212.62 0.00 45,293,212.62 0.00

    25,953,951.59 25,455,590.88 31,025,092.10 53,648,035.12

    6,873,150,687.46 5,577,313,680.37 6,605,393,212.86 4,942,338,955.04

    11 0.00 0.00 85,000,000.00 85,000,000.00

    - 12 38,943,674.69 40,793,115.10 37,069,473.79 38,290,256.92

    13 126,533,625.00 126,533,625.00 69,533,625.00 69,533,625.00

    14 85,492,653.67 91,635,965.90 67,976,363.07 80,614,048.44

    9,339,297.41 8,459,559.42 8,939,127.41 7,488,329.42

    10,646,871.00 3,783,425.38 0.00 0.00

    270,956,121.77 271,205,690.80 268,518,589.27 280,926,259.78 7,144,106,809.23 5,848,519,371.17 6,873,911,802.13 5,223,265,214.82

    ()3125512550

  • 7979 2551

    ()

    () ()

    2551 2550 2551 2550

    15 738,578,021.02 433,639,648.93 738,160,305.56 392,663,387.03

    - 16 249,165,800.00 295,000,000.00 100,000,000.00 50,000,000.00

    - 17 0.00 51,686,000.00 0.00 51,686,000.00

    18 202,590,436.01 249,188,836.27 217,772,042.56 208,180,050.04

    387,912,226.85 264,673,170.00 386,318,626.85 252,252,070.00

    1 19 1,346,738,106.44 764,196,995.92 1,346,609,945.94 664,077,826.56

    63,812,347.71 18,808,858.91 58,395,456.43 15,054,846.11

    147,189,824.48 110,646,681.26 126,074,005.51 88,704,623.41

    78,869,204.23 87,297,374.69 75,806,099.49 46,800,178.30

    11,312,728.13 8,112,676.09 9,603,076.20 6,286,211.37

    3,226,168,694.87 2,283,250,242.07 3,058,739,558.54 1,775,705,192.82

    -- 20 0.00 0.00 0.00 0.00

    21 4,698,763.08 2,116,879.52 4,676,977.18 1,966,933.12

    - 22 1,306,277,300.00 1,261,038,603.22 1,306,277,300.00 1,220,882,633.22

    14 78,768,177.25 74,529,096.41 63,673,003.98 65,941,342.99

    1,389,744,240.33 1,337,684,579.15 1,374,627,281.16 1,288,790,909.33

    4,615,912,935.20 3,620,934,821.22 4,433,366,839.70 3,064,496,102.15

    ()3125512550

  • 8080 2551

    ()

    () ()

    2551 2550 2551 2550

    ()

    1,340,000,000

    1 23 1,340,000,000.00 1,340,000,000.00 1,340,000,000.00 1,340,000,000.00 1,005,000,000 1 23 1,005,000,000.00 1,005,000,000.00 1,005,000,000.00 1,005,000,000.00 440,212,400.00 440,212,400.00 440,212,400.00 440,212,400.00 18,922.57 295,423.25 0.00 0.00 24 73,840,000.00 58,240,000.00 73,840,000.00 58,240,000.00 940,223,335.23 670,409,426.89 921,492,562.43 655,316,712.67 2,459,294,657.80 2,174,157,250.14 2,440,544,962.43 2,158,769,112.67 68,899,216.23 53,427,299.81 0.00 0.00 2,528,193,874.03 2,227,584,549.95 2,440,544,962.43 2,158,769,112.67 7,144,106,809.23 5,848,519,371.17 6,873,911,802.13 5,223,265,214.82

    ()3125512550

  • 8181 2551

    () ()

    2551 2550 2551 2550

    3,471,668,685.00 2,523,843,310.00 2,631,539,325.00 1,583,605,246.00

    826,999,362.50 0.00 826,999,362.50 0.00

    30,265,029.42 61,621,220.48 0.00 0.00

    4,328,933,076.92 2,585,464,530.48 3,458,538,687.50 1,583,605,246.00

    2,641,037,092.87 1,935,379,992.84 1,949,559,145.90 1,144,183,412.15

    739,029,551.78 0.00 739,029,551.78 0.00

    27,711,265.99 54,548,294.34 0.00 0.00

    3,407,777,910.64 1,989,928,287.18 2,688,588,697.68 1,144,183,412.15

    921,155,166.28 595,536,243.30 769,949,989.82 439,421,833.85

    32.4 0.00 12,011,485.54 0.00 12,011,485.54

    0.00 0.00 22,087,368.11 26,405,626.75

    517,998.58 3,447,516.20 23,147,684.31 26,606,654.77

    25 22,429,906.54 0.00 22,429,906.54 0.00

    20,998,482.55 10,317,642.25 31,140,631.83 21,028,729.91

    43,946,387.67 25,776,643.99 98,805,590.79 86,052,496.97

    ()3125512550

  • 8282 2551

    ()

    () ()

    2551 2550 2551 2550

    (127,868,879.55) (149,619,125.49) (111,613,524.91) (123,651,201.14)

    (248,762,527.64) (304,821,030.32) (225,685,603.64) (254,146,236.22)

    (1,550,000.00) (1,847,500.00) (1,550,000.00) (1,847,500.00)

    3,729,915.54 2,370,095.72 50,000.00 0.00

    (5,511,436.86) (6,973,568.96) 0.00 0.00

    (3,621,820.82) (2,215,042.71) 0.00 0.00

    , (99,370.67) (100,567.61) (99,370.67) (100,567.61)

    (7,000,000.00) 0.00 (7,000,000.00) 0.00

    10 (42,733,050.10) 0.00 (42,733,050.10) 0.00

    (55,235,762.91) (6,919,083.56) (49,782,420.77) (100,567.61)

    (433,417,170.10) (463,206,739.37) (388,631,549.32) (379,745,504.97)

    - (63,169,787.76) (6,693,928.24) (47,851,555.78) (22,721,125.23)

    () 468,514,596.09 151,412,219.68 432,272,475.51 123,007,700.62

    (137,478,034.75) (63,490,465.28) (120,346,625.75) (47,609,975.74)

    () 331,036,561.34 87,921,754.40 311,925,849.76 75,397,724.88

    ()

    315,563,908.34 77,983,177.00 311,925,849.76 75,397,724.88

    15,472,653.00 9,938,577.40 0.00 0.00

    331,036,561.34 87,921,754.40 311,925,849.76 75,397,724.88

    ()- 0.31 0.09 0.31 0.08

    () 1,005,000,000 895,780,822 1,005,000,000 895,780,822

    ()3125512550

  • 8383 2551

    ()

    ()

    12550 670,000,000.00 272,712,400.00 0.00 54,340,000.00 777,226,249.89 31,851,630.68 1,806,130,280.57

    335,000,000.00 167,500,000.00 0.00 0.00 0.00 0.00 502,500,000.00

    -

    24 0.00 0.00 0.00 3,900,000.00 (3,900,000.00) 0.00 0.00

    26 0.00 0.00 0.00 0.00 (180,900,000.00) 0.00 (180,900,000.00)

    - 26 0.00 0.00 0.00 0.00 0.00 (426.00) (426.00)

    0.00 0.00 0.00 0.00 0.00 11,637,500.00 11,637,500.00

    0.00 0.00 0.00 0.00 77,983,177.00 0.00 77,983,177.00

    0.00 0.00 295,423.25 0.00 0.00 17.73 295,440.98

    () 0.00 0.00 0.00 0.00 0.00 9,938,577.40 9,938,577.40

    312550 1,005,000,000.00 440,212,400.00 295,423.25 58,240,000.00 670,409,426.89 53,427,299.81 2,227,584,549.95

    -

    0.00 0.00 0.00 15,600,000.00 (15,600,000.00) 0.00 0.00

    26 0.00 0.00 0.00 0.00 (30,150,000.00) 0.00 (30,150,000.00)

    - 26 0.00 0.00 0.00 0.00 0.00 (720.00) (720.00)

    0.00 0.00 0.00 0.00 315,563,908.34 0.00 315,563,908.34

    0.00 0.00 (276,500.68) 0.00 0.00 (16.58) (276,517.26)

    () 0.00 0.00 0.00 0.00 0.00 15,472,653.00 15,472,653.00

    312551 1,005,000,000.00 440,212,400.00 18,922.57 73,840,000.00 940,223,335.23 68,899,216.23 2,528,193,874.03

    ()3125512550

  • 8484 2551

    ()

    ()3125512550

    ()

    ()

    12550 670,000,000.00 272,712,400.00 54,340,000.00 777,226,249.89 1,774,278,649.89

    35 0.00 0.00 0.00 (12,507,262.10) (12,507,262.10)

    1

    2550() 670,000,000.00 272,712,400.00 54,340,000.00 764,718,987.79 1,761,771,387.79

    335,000,000.00 167,500,000.00 0.00 0.00 502,500,000.00

    -

    24 0.00 0.00 3,900,000.00 (3,900,000.00) 0.00

    26 0.00 0.00 0.00 (180,900,000.00) (180,900,000.00)

    0.00 0.00 0.00 75,397,724.88 75,397,724.88

    312550 1,005,000,000.00 440,212,400.00 58,240,000.00 655,316,712.67 2,158,769,112.67

    -

    24 0.00 0.00 15,600,000.00 (15,600,000.00) 0.00

    26 0.00 0.00 0.00 (30,150,000.00) (30,150,000.00)

    0.00 0.00 0.00 311,925,849.76 311,925,849.76

    312551 1,005,000,000.00 440,212,400.00 73,840,000.00 921,492,562.43 2,440,544,962.43

  • 8585 2551

    () ()

    2551 2550 2551 2550

    () 468,514,596.09 151,412,219.68 432,272,475.51 123,007,700.62

    ()

    0.00 (12,011,485.54) 0.00 (12,011,485.54)

    (1,375,341.94) (1,398,445.80) 112,547.32 (786,302.39)

    (26,998.00) (1,403,872.93) (26,998.00) (1,401,868.16)

    14,210,316.82 12,472,473.93 13,524,388.52 11,811,993.51

    (3,729,915.54) (2,370,095.72) (50,000.00) 0.00

    5,511,436.86 6,973,568.96 0.00 0.00

    3,621,820.82 2,215,042.71 0.00 0.00

    99,369.67 100,567.61 99,369.67 0.00

    42,733,050.10 0.00 42,733,050.10 100,567.61

    7,000,000.00 0.00 7,000,000.00 0.00

    63,169,787.76 6,693,928.24 47,851,555.78 22,721,125.23

    ()

    599,728,122.64 162,683,901.14 543,516,388.90 143,441,730.88

    ()

    8,372,893.05 7,277,678.79 2,156,648.00 (2,408,697.16)

    (1,533,743,955.42) (730,606,156.62) (2,000,202,755.92) (1,120,211,811.40)

    260,896,004.68 (444,981,395.90) 295,475,749.44 (451,937,001.37)

    2,903,650.20 (6,382,837.71) (1,450,797.99) (2,159,382.33)

    () (1,261,571,407.49) (1,174,692,711.44) (1,704,021,156.47) (1,576,716,892.26)

    ()

    - (51,686,000.00) (64,167,000.00) (51,686,000.00) (64,167,000.00)

    (46,598,400.26) 19,891,688.37 9,591,992.52 18,826,830.61

    ()3125512550

  • 8686 2551

    ()

    ()3125512550

    () ()

    2551 2550 2551 2550

    123,239,056.85 186,685,270.00 134,066,556.85 191,314,570.00

    84,386,483.34 41,160,023.93 49,916,810.11 37,282,121.49

    () 109,341,139.93 183,569,982.30 141,889,359.48 183,256,522.10

    () (552,502,144.92) (828,438,828.00) (1,018,615,408.09) (1,250,018,639.28)

    (288,028,287.62) (123,641,532.88) (194,129,444.32) (96,244,184.99)

    (92,474,545.95) (121,177,993.00) (77,006,015.43) (105,466,969.53)

    () (933,004,978.49) (1,073,258,353.88) (1,289,750,867.84) (1,451,729,793.80)

    (545,872,747.32) (550,659,500.00) (241,372,747.32) (403,359,500.00)

    574,572,645.00 536,279,257.51 241,260,200.00 404,574,257.51

    () 0.00 0.00 99,745,800.00 (62,716,700.00)

    () 10,382,393.07 19,168,572.12 10,369,346.36 15,804,350.70

    0.00 0.00 0.00 (14,112,500.00)

    0.00 (57,000,000.00) 0.00 0.00

    27,000.00 1,401,869.16 27,000.00 1,401,869.16

    (4,265,167.38) (12,229,406.08) (4,207,896.36) (11,945,527.86)

    () 34,844,123.37 (63,039,207.29) 105,821,702.68 (70,353,750.49)

    () 304,938,372.09 105,966,961.84 345,496,918.53 65,919,013.53

    () (45,834,200.00) (35,546,700.00) 50,000,000.00 (42,000,000.00)

    () (2,970,078.48) (1,029,407.10) (2,850,909.12) (928,066.98)

  • 8787 2551

    ()

    () ()

    2551 2550 2551 2550

    () 625,136,688.64 735,729,513.64 765,292,658.64 1,169,027,622.64

    0.00 502,500,000.00 0.00 502,500,000.00

    0.00 11,637,500.00 0.00 0.00

    (720.00) (426.00) 0.00 0.00

    (30,150,000.00) (180,900,000.00) (30,150,000.00) (180,900,000.00)

    () 851,120,062.25 1,138,357,442.38 1,127,788,668.05 1,513,618,569.19

    () (47,040,792.87) 2,059,881.21 (56,140,497.11) (8,464,975.10)

    1 113,204,772.53 111,144,891.32 84,966,180.35 93,431,155.45

    31 66,163,979.66 113,204,772.53 28,825,683.24 84,966,180.35

    31

    ()3125512550

  • 8888 2551

    ()3125512550

    1.

    1.1 () 0107547000320

    30 2547 123 12

    10900

    1.2

    1.3

    2551 2550 2551 2550

    () 146.60 126.34 141.17 120.85

    2.

    2.1 .. 2543

    .. 2547

    ..2535

    14

    2544

    31 2551 25 ( 2550) 35

    (2550)12551

    312550

    2.2

    3.

    3.1 ()

    3.2

    100

    3.3

    ()

  • 8989 2551

    3.4 ()

    ()

    2551 2550

    99.99 99.99

    51.00 51.00

    99.97 99.97

    ()

    4.

    9/2550 38/2550 62/2550

    2550

    4.1 2550

    44(2550)

    45(2550)

    46(2550)

    1

    2550 1 2550

    44

    364546

    4.2 2551

    25(2550)

    29(2550)

    31(2550)

    33(2550)

    35(2550)

    39(2550)

    41(2550)

    43(2550)

    49(2550)

    51

    1

    2551 43,4951

  • 9090 2551

    4.3 2552

    36(2550)

    54(2550)

    1 2552

    5.

    5.1

    5.1.1

    5.1.2

    5.1.3

    5.1.4

    5.2

    ()

    5.3

    5.4

    -

    -

    -

    5.5

    (CostMethod)()

    5.6

    5

  • 9191 2551

    5.7

    5.8

    5.9

    5.10

    5.11

    5.12

    () ()

    ()

    5.13

    5.14

  • 9292 2551

    5.15

    5.15.1

    5.15.2

    6.

    () ()

    2551 2550 2551 2550

    1,032,701.82 1,118,222.52 817,319.91 918,154.52

    5,822,500.00 45,471,594.00 2,372,500.00 44,531,594.00

    13,833,483.44 15,909,645.85 13,286,099.85 14,912,242.86

    45,475,294.40 50,705,310.16 12,349,763.48 24,604,188.97

    66,163,979.66 113,204,772.53 28,825,683.24 84,966,180.35

    7.

    () ()

    2551 2550 2551 2550

    - 15,457,345.70 43,058,418.70 0.00 0.00

    15,457,345.70 43,058,418.70 0.00 0.00

    8. -

    () ()

    2551 2550 2551 2550

    - 29.1 0.00 0.00 1,579,360.00 3,686,008.00

    - 12,115,257.15 24,109,971.02 345,000.00 395,000.00

    12,115,257.15 24,109,971.02 1,924,360.00 4,081,008.00

    -

    (9,717,114.43) (7,935,593.11) (345,000.00) (395,000.00)

    2,398,142.72 16,174,377.91 1,579,360.00 3,686,008.00

  • 9393 2551

    () ()

    2551 2550 2551 2550

    788,971.22 1,689,212.32 1,579,360.00 3,686,008.00

    1-90 1,476,537.83 3,040,645.17 0.00 0.00

    91-180 0.00 5,652,479.51 0.00 0.00

    181-360 496,190.69 6,697,043.82 0.00 0.00

    360 9,353,557.41 7,030,590.20 345,000.00 395,000.00

    12,115,257.15 24,109,971.02 1,924,360.00 4,081,008.00

    9. -

    31255125502211.25

    311MLR,MLR+2

    1

    10.

    () ()

    2551 2550 2551 2550

    - 48,879,537.38 79,829,263.90 48,879,537.38 79,829,263.90

    - 894,735.68 1,416,865.78 0.00 0.00

    3,521,223,940.64 2,283,053,469.24 3,303,746,469.20 1,857,536,326.59

    2,631,142,869.39 2,237,706,065.25 2,470,462,253.44 1,864,953,155.28

    42,256,503.91 34,850,218.74 40,071,994.57 29,615,919.83

    227,737,426.93 172,481,184.38 193,721,714.61 101,424,351.23

    6,472,135,013.93 4,809,337,067.29 6,056,881,969.20 3,933,359,016.83

    31 2551 296.20 1

    2

    122551152551

    31 2551

    25.45 6.38

    5.90542.73

    31 2551 2550

    5,720.324,668.72(5,546.123,853.71

  • 9494 2551

    )

    15,17,2022

    3125512550154.50

    153.94(148.7781.44)

    11.

    ()

    2551 2550

    99.99 32,000,000.00 11,999,280.00 32,000,000.00 7,099,574.00

    51.00 51,000,000.00 0.00 51,000,000.00 0.00

    () 99.97 2,000,000.00 0.00 2,000,000.00 0.00

    85,000,000.00 11,999,280.00 85,000,000.00 7,099,574.00

    12. -

    ()

    31 2550 31 2551

    :- 3,279,342.43 0.00 0.00 3,279,342.43

    2,196,710.00 0.00 0.00 2,196,710.00

    2,370,059.66 127,466.97 (7,490.00) 2,490,036.63

    22,801,301.59 7,524,375.15 (73,937.00) 30,251,739.74

    8,062,698.78 0.00 0.00 8,062,698.78

    19,121,782.14 888,325.96 (80,172.00) 19,929,936.10

    27,779,622.81 3,920,080.00 (45,500.00) 31,654,202.81

    85,611,517.41 12,460,248.08 (207,099.00) 97,864,666.49

    :- 110,617.12 440,063.76 0.00 550,680.88

    1,506,184.89 253,806.63 (2,202.75) 1,757,788.77

    9,016,505.70 5,052,124.89 (526.11) 14,068,104.48

    5,867,864.56 1,290,133.52 0.00 7,157,998.08

    8,616,816.89 3,410,876.76 (59,499.47) 11,968,194.18

    19,700,413.15 3,763,311.26 (45,499.00) 23,418,225.41

    44,818,402.31 14,210,316.82 (107,727.33) 58,920,991.80

    - 40,793,115.10 38,943,674.69

  • 9595 2551

    3125512550

    31.1811.19

    312551255014.2112.47

    ()

    31 2550 31 2551

    :-

    3,279,342.43 0.00 0.00 3,279,342.43

    2,196,710.00 0.00 0.00 2,196,710.00

    2,362,194.24 127,466.97 (7,490.00) 2,482,171.21

    22,430,845.71 7,524,375.15 0.00 29,955,220.86

    6,647,691.98 0.00 (73,937.00) 6,573,754.98

    17,351,190.14 831,054.94 (80,172.00) 18,102,073.08

    27,751,118.14 3,920,080.00 (45,500.00) 31,625,698.14

    82,019,092.64 12,402,977.06 (207,099.00) 94,214,970.70

    :- 110,617.12 440,063.76 0.00 550,680.88

    1,503,613.68 252,538.53 (2,202.75) 1,753,949.46

    8,960,683.60 4,977,627.71 (526.11) 13,937,785.20

    5,497,326.22 1,008,068.74 0.00 6,505,394.96

    7,984,685.62 3,082,778.52 (59,499.47) 11,007,964.67

    19,671,909.48 3,763,311.26 (45,499.00) 23,389,721.74

    43,728,835.72 13,524,388.52 (107,727.33) 57,145,496.91

    - 38,290,256.92 37,069,473.79 3125512550

    30.9810.99

    312551255013.5211.81

    3125512550

    15

  • 9696 2551

    13.

    () ()

    2551 2550 2551 2550

    126,533,625.00 126,533,625.00 69,533,625.00 69,533,625.00

    126,533,625.00 126,533,625.00 69,533,625.00 69,533,625.00

    3125512550126.5369.53

    15

    14.

    312551255085.49

    91.64(67.9880.61)

    78.77 74.53 (63.67

    65.94 )

    32.232.3

    15.

    () ()

    2551 2550 2551 2550

    8,201,871.02 15,176,749.53 7,784,155.56 13,038,218.26

    - 0.00 199,615,168.77 0.00 199,615,168.77

    - 730,376,150.00 180,000,000.00 730,376,150.00 180,000,000.00

    - 0.00 38,847,730.63 0.00 10,000.00

    738,578,021.02 433,639,648.93 738,160,305.56 392,663,387.03

    -

    () ()

    2551 2550 2551 2550

    0.00 200,000,000.00 0.00 200,000,000.00

    0.00 (384,831.23) 0.00 (384,831.23)

    - 0.00 199,615,168.77 0.00 199,615,168.77

    31 2551 2550 110.40

    100(95.4080)

    -10,1213

    31 2551 4 350.38

    MLR-0.5

    1013

  • 9797 2551

    31 2551 2550 380

    180 4.50 - 5.25 2551

    10

    3125502002551

    4.60-5.82551

    31 2550 38.85

    170 MLR - 0.75

    70

    10 86.70

    32.32551

    16. -

    () ()

    2551 2550 2551 2550

    29.6.2,29.6.4 149,165,800.00 245,000,000.00 0.00 0.00

    29.6.3 100,000,000.00 50,000,000.00 100,000,000.00 50,000,000.00

    249,165,800.00 295,000,000.00 100,000,000.00 50,000,000.00

    31 2551 2550

    149.17245MLR-MLR+2

    312551255010050

    5

    17. -

    312550-51.69

    10

    18.

    () ()

    2551 2550 2551 2550

    - 29.7 773,673.13 1,186,744.63 49,676,069.81 12,361,305.08

    - 145,133,956.11 224,944,928.63 127,625,130.04 172,973,428.55

    56,682,806.77 23,057,163.01 40,470,842.71 22,845,316.41

    202,590,436.01 249,188,836.27 217,772,042.56 208,180,050.04

  • 9898 2551

    19. 1

    () ()

    2551 2550 2551 2550

    20 0.00 100,000,000.00 0.00 0.00

    21 4,148,924.44 1,505,805.78 4,020,763.94 1,386,636.42

    22 1,342,589,182.00 662,691,190.14 1,342,589,182.00 662,691,190.14

    1,346,738,106.44 764,196,995.92 1,346,609,945.94 664,077,826.56

    - 2551

    22

    20. - -

    () ()

    2551 2550 2551 2550

    - 0.00 100,000,000.00 0.00 0.00

    1 19 0.00 (100,000,000.00) 0.00 0.00

    0.00 0.00 0.00 0.00

    31 2549100

    1032.3

    25511

    22

    21. -

    () ()

    2551 2550 2551 2550

    10,404,423.06 4,652,092.40 10,033,967.18 4,281,636.52

    3,257,000.00 0.00 3,257,000.00 0.00

    (2,640,496.09) (580,008.53) (2,510,176.81) (524,186.43)

    - 11,020,926.97 4,072,083.87 10,780,790.37 3,757,450.09

  • 9999 2551

    () ()

    2551 2550 2551 2550

    1 4,629,835.68 1,712,470.80 4,496,055.72 1,578,690.84

    13 4,312,447.64 2,216,609.86 4,290,599.31 2,060,981.57

    35 741,054.00 0.00 741,054.00 0.00

    9,683,337.32 3,929,080.66 9,527,709.03 3,639,672.41

    (835,649.80) (306,395.36) (829,967.91) (286,102.87)

    8,847,687.52 3,622,685.30 8,697,741.12 3,353,569.54

    () ()

    2551 2550 2551 2550

    8,847,687.52 3,622,685.30 8,697,741.12 3,353,569.54

    1 19 (4,148,924.44) (1,505,805.78) (4,020,763.94) (1,386,636.42)

    - 4,698,763.08 2,116,879.52 4,676,977.18 1,966,933.12

    22. -

    () ()

    2551 2550 2551 2550

    - 2,648,866,482.00 1,923,729,793.36 2,648,866,482.00 1,883,573,823.36

    2,648,866,482.00 1,923,729,793.36 2,648,866,482.00 1,883,573,823.36

    1 19 (1,342,589,182.00) (662,691,190.14) (1,342,589,182.00) (662,691,190.14)

    1,306,277,300.00 1,261,038,603.22 1,306,277,300.00 1,220,882,633.22

    31255125506

    6,248.174,954.06MLR-1.50MLR

    70-80

    2552-2556

    1029.16

    3125502684.54

    MLR -0.75MLR

    70 - 75 2554

    349.12 10

    32.32551

  • 100100 2551

    3125512550 2,759.11

    2,366.13(2,759.112,070.15)

    23.

    23.1 1/255120

    2551222551

    335,000,000 31

    2 1

    4.006

    23.2 3/2550 4/2550 27

    25501425500.01 0.02

    100 1 2

    1

    192550

    23.3 1/2550 23

    2550 262550670 1,340

    1

    23.3.1 335 335

    5 2550

    12.00.211.50

    2 1

    23.3.2 335 335

    . 12/2543

    1

    30

    2550

  • 101101 2551

    24.

    .. 2535 5

    () 10

    25.

    22551 22.43

    312551

    26.

    1/2551 2551 20

    255122255125500.03

    30.15222551

    1/2550 2550 23

    2550 262550 2549

    0.27180.90192550

    27.

    1/25511/255022255126

    255025512550

    2.48

    28.

    .. 2530

    (2)..2542252547

    31255125503.34

    2.56(3.192.43)

    29.

    1.

    5.00-6.50

    2.

    5.00

  • 102102 2551

    2.

    ..-..2551

    30

    3.

    MLR+21

    2551

    MLR

    0.35

    2

    0.10

    4.

    ()

    49

    MLR+21

    2551

    MLR

    0.09

    5.

    2

    6.

  • 103103 2551

    7.

    ()

    MLR

    8.

    48.00

    5.00

    29.1

    () ()

    2551 2550 2551 2550

    - 0.00 0.00 749,000.00 749,000.00

    - 0.00 0.00 730,360.00 2,857,008.00

    - 0.00 0.00 100,000.00 80,000.00

    0.00 0.00 1,579,360.00 3,686,008.00

    29.2

    () ()

    2551 2550 2551 2550

    ()

    40,932,794.07 37,984,533.25 0.00 0.00

    29.3 --

    () ()

    2551 2550 2551 2550

    0.00 0.00 255,000,000.00 248,283,300.00

    0.00 0.00 0.00 114,999,200.00

    0.00 0.00 (99,745,800.00) (108,282,500.00)

    0.00 0.00 155,254,200.00 255,000,000.00

    ()

    0.00 0.00 56,000,000.00 0.00

    0.00 0.00 0.00 56,000,000.00

    0.00 0.00 56,000,000.00 56,000,000.00

    0.00 0.00 211,254,200.00 311,000,000.00

  • 104104 2551

    29.4

    () ()

    2551 2550 2551 2550

    0.00 0.00 0.00 0.00

    0.00 18,757,500.00 0.00 18,757,500.00

    0.00 (18,757,500.00) 0.00 (18,757,500.00)

    0.00 0.00 0.00 0.00

    29.5 --

    () ()

    2551 2550 2551 2550

    0.00 0.00 0.00 39,079,685.44

    () 0.00 0.00 6,047,616.44 2,084,082.19

    0.00 0.00 6,047,616.44 41,163,767.63

    29.6 -

    () ()

    2551 2550 2551 2550

    29.6.1

    0.00 20,000,000.00 0.00 20,000,000.00

    15,000,000.00 0.00 15,000,000.00 0.00

    (15,000,000.00) (20,000,000.00) (15,000,000.00) (20,000,000.00)

    0.00 0.00 0.00 0.00

    29.6.2()

    245,000,000.00 238,546,700.00 0.00 0.00

    0.00 86,117,500.00 0.00 0.00

    (95,834,200.00) (79,664,200.00) 0.00 0.00

    149,165,800.00 245,000,000.00 0.00 0.00

    29.6.3

    50,000,000.00 0.00 50,000,000.00 0.00

    50,000,000.00 50,000,000.00 50,000,000.00 50,000,000.00

    0.00 0.00 0.00 0.00

    100,000,000.00 50,000,000.00 100,000,000.00 50,000,000.00

    29.6.4

    0.00 0.00 0.00 0.00

    0.00 0.00 40,000,000.00 0.00

    0.00 0.00 (40,000,000.00) 0.00

    0.00 0.00 0.00 0.00

    249,165,800.00 295,000,000.00 100,000,000.00 50,000,000.00

  • 105105 2551

    29.7

    () ()

    2551 2550 2551 2550

    -, 0.00 0.00 48,983,149.58 11,174,560.45

    - 773,673.13 1,186,744.63 692,920.23 1,186,744.63

    773,673.13 1,186,744.63 49,676,069.81 12,361,305.08

    29.8

    () ()

    2551 2550 2551 2550

    - 0.00 0.00 4,586,864.55 4,948,858.33

    - 0.00 138,399.00 0.00 138,399.00

    0.00 138,399.00 4,586,864.55 5,087,257.33

    29.9 --

    () ()

    2551 2550 2551 2550

    () 0.00 37,592,624.71 0.00 0.00

    29.10--

    () ()

    31 2551

    31 2550

    31 2551

    31 2550

    0.00 0.00 18,899,057.47 23,621,271.01

    () 0.00 0.00 3,963,534.25 2,084,082.19

    0.00 0.00 22,862,591.72 25,705,353.20

    29.11

    () ()

    31 2551

    31 2550

    31 2551

    31 2550

    0.00 0.00 8,400,000.00 8,400,000.00

    29.12

    () ()

    31 2551

    31 2550

    31 2551

    31 2550

    0.00 0.00 13,687,368.13 18,005,626.75

  • 106106 2551

    29.13

    () ()

    31 2551

    31 2550

    31 2551

    31 2550

    0.00 0.00 1,200,000.00 260,419.50

    29.14

    () ()

    31 2551

    31 2550

    31 2551

    31 2550

    - 0.00 0.00 25,951,380.75 31,020,241.61

    - 0.00 0.00 254,705,200.59 137,417,641.86

    0.00 0.00 280,656,581.34 168,437,883.47

    - 1,385,494.37 7,563,622.28 1,385,494.37 7,563,622.28

    1,385,494.37 7,563,622.28 1,385,494.37 7,563,622.28

    1,385,494.37 7,563,622.28 282,042,075.71 176,001,505.75

    29.15

    () ()

    31 2551

    31 2550

    31 2551

    31 2550

    232,397.26 276,712.34 232,397.26 276,712.34

    4,697,945.22 123,287.67 4,697,945.22 123,287.67

    0.00 0.00 421,917.81 0.00

    4,930,342.48 400,000.01 5,352,260.29 400,000.01

    29.16

    31 2551 48.00

    22

    31 2550 1 339.50

    15

    30.

    30.1

    () ()

    2551 2550 2551 2550

    66,163,979.66 113,204,772.53 28,825,683.24 84,966,180.35

  • 107107 2551

    30.2

    30.2.1 2551255024.97

    15.1014(2551255018.47

    10.01)

    30.2.2 2551 20.73

    30.2.3 255125509.01

    4.65(255125509.014.28)

    30.2.4 25501

    -

    31.

    31.1 31 2551 2550

    346.64 2,130.78 ( 300.24 2,084.38

    )

    31.2 3125512550

    15.224.31(13.72

    2.21)

    31.3 3125512550

    1,234.671,080.16

    (1,156.95909.87)

    31.4 3125512550

    4.769.32(4.287.67

    )

    31.5312551

    3.38

    31.6

    () ()

    2551 2550 2551 2550

    23 17 18 15

    (2) (5) (2) (5)

    6 11 6 8

    27 23 22 18

    () 18,538.27 17,781.85 16,284.13 15,562.73

    () 12,771.51 12,103.80 10,949.60 10,827.59

    68.89 68.07 67.24 69.57

  • 108108 2551

    32.

    32.1 31 2551 2550

    194.89 237.29 (

    157.50182.79)

    32.2 31 2551 2550

    2

    32.3 31 2551 2550

    24.17443.47

    32.4 3125512550

    2549

    170.77

    31 254952.15

    23 2550

    40.1412.01

    72550

    12.01

    32.5 2547

    192549

    33.

    10

    34.

    34.1

    5

    34.2

  • 109109 2551

    34.3

    34.4

    35.

    4

    2550 2549

    31255012.51

    36.

    232552

  • 112 Annual Report 2008

  • 2551

    Button 26: Page 1: Page 3: Page 5: Page 69:

    Button 27: Page 1: Page 3: Page 5: Page 69:

    Button 28: Page 1: Page 3: Page 5: Page 69:

    Button 23: Page 2: Page 4:

    Button 24: Page 2: Page 4:

    Button 25: Page 2: Page 4:

    Button 8: Page 6: Page 8: Page 10: Page 12: Page 14: Page 16: Page 18: Page 20: Page 22: Page 24: Page 26: Page 28: Page 30: Page 32: Page 34: Page 36: Page 38: Page 40: Page 42: Page 44: Page 46: Page 58: Page 60: Page 62: Page 64: Page 66: Page 68: Page 70: Page 72: Page 74: Page 76:

    Button 9: Page 6: Page 8: Page 10: Page 12: Page 14: Page 16: Page 18: Page 20: Page 22: Page 24: Page 26: Page 28: Page 30: Page 32: Page 34: Page 36: Page 38: Page 40: Page 42: Page 44: Page 46: Page 58: Page 60: Page 62: Page 64: Page 66: Page 68: Page 70: Page 72: Page 74: Page 76:

    Button 10: Page 6: Page 8: Page 10: Page 12: Page 14: Page 16: Page 18: Page 20: Page 22: Page 24: Page 26: Page 28: Page 30: Page 32: Page 34: Page 36: Page 38: Page 40: Page 42: Page 44: Page 46: Page 58: Page 60: Page 62: Page 64: Page 66: Page 68: Page 70: Page 72: Page 74: Page 76:

    Button 11: Page 7: Page 9: Page 11: Page 13: Page 15: Page 17: Page 19: Page 21: Page 23: Page 25: Page 27: Page 29: Page 33: Page 35: Page 37: Page 39: Page 41: Page 43: Page 45: Page 57: Page 59: Page 61: Page 63: Page 65: Page 67: Page 71: Page 73: Page 75:

    Button 12: Page 7: Page 9: Page 11: Page 13: Page 15: Page 17: Page 19: Page 21: Page 23: Page 25: Page 27: Page 29: Page 33: Page 35: Page 37: Page 39: Page 41: Page 43: Page 45: Page 57: Page 59: Page 61: Page 63: Page 65: Page 67: Page 71: Page 73: Page 75:

    Button 13: Page 7: Page 9: Page 11: Page 13: Page 15: Page 17: Page 19: Page 21: Page 23: Page 25: Page 27: Page 29: Page 33: Page 35: Page 37: Page 39: Page 41: Page 43: Page 45: Page 57: Page 59: Page 61: Page 63: Page 65: Page 67: Page 71: Page 73: Page 75:

    Button 19: Page 31: Page 47: Page 49: Page 51: Page 53: Page 55:

    Button 20: Page 31: Page 47: Page 49: Page 51: Page 53: Page 55:

    Button 21: Page 31: Page 47: Page 49: Page 51: Page 53: Page 55:

    Button 16: Page 48: Page 50: Page 52: Page 54: Page 56:

    Button 17: Page 48: Page 50: Page 52: Page 54: Page 56:

    Button 18: Page 48: Page 50: Page 52: Page 54: Page 56:

    Button 119: Page 77: Page 79: Page 81: Page 83: Page 85: Page 87: Page 89: Page 91: Page 93: Page 95: Page 97: Page 99: Page 101: Page 103: Page 105: Page 107: Page 109:

    Button 120: Page 77: Page 79: Page 81: Page 83: Page 85: Page 87: Page 89: Page 91: Page 93: Page 95: Page 97: Page 99: Page 101: Page 103: Page 105: Page 107: Page 109:

    Button 121: Page 77: Page 79: Page 81: Page 83: Page 85: Page 87: Page 89: Page 91: Page 93: Page 95: Page 97: Page 99: Page 101: Page 103: Page 105: Page 107: Page 109:

    Button 116: Page 78: Page 80: Page 82: Page 84: Page 86: Page 88: Page 90: Page 92: Page 94: Page 96: Page 98: Page 100: Page 102: Page 104: Page 106: Page 108: Page 112:

    Button 117: Page 78: Page 80: Page 82: Page 84: Page 86: Page 88: Page 90: Page 92: Page 94: Page 96: Page 98: Page 100: Page 102: Page 104: Page 106: Page 108: Page 112:

    Button 118: Page 78: Page 80: Page 82: Page 84: Page 86: Page 88: Page 90: Page 92: Page 94: Page 96: Page 98: Page 100: Page 102: Page 104: Page 106: Page 108: Page 112: