TCAP: รายงานประจำปี 2552

1.

We intend to grow by doubling the size of Corporate Loan Portfolio while diversifying

overall assets.

2.

We intend to grow by maintaining hire purchase market leader.

3.

We intend to grow by increasing fee-based income proportion.

4.

We intend to grow by increasing services and supports productivity.

4 2553

2 2552

()

3 2552

()

31

350,000

300,000

250,000

200,000

150,000

100,000

50,000

0 2552

3.50

3.00

2.50

2.00

1.50

1.00

0.50

0.00 2552 2551 2550 2549 2548 2551 2550 2549 2548

3.44

3.15

2.82

2.74

3.44

2552 2551 2550 2549 2548

()

22,112 21,413 18,799 16,951 10,935 6,892 9,506 9,707 10,042 4,421 15,220 11,907 9,092 6,909 6,514 22,310 11,907 10,646 7,643 5,144(1) 37,530 23,814 19,738 14,552 11,658 24,517 15,878 12,813 11,043 7,842 ()(2) 2,849 3,594 2,051 924 (293)(3) 5,109 2,768 2,818 1,468 3,104

()(3) 3.99 2.08 2.11 1.10 2.33 (ROAA) () 1.20 0.77 0.93 0.57 1.50 (ROAE) () 17.05 10.49 11.55 6.49 14.31(4) (Interest spread) () 3.44 3.15 2.82 2.74 3.44(5) 65.33 66.68 64.92 75.89 67.27 (Cost to income ratio) ()(6) 47.94 55.90 54.67 71.25 62.87 (Cost to income ratio net insurance premium income) ()

289,804 279,450 239,237 209,288 162,722 459,965 394,090 321,256 286,229 228,119 340,799 316,382 254,014 216,987 149,626 412,558 361,729 288,994 262,798 204,733(3) 33,323 26,592 26,208 22,565 22,639

()

(1) = + (2) (3) (4) = -

= /

(

289,8

04 34

0,799

279,4

50

316,3

82

239,2

37

254,0

14

209,2

88

216,9

87

162,7

22

149,6

26

() ()

()()

)

= /

(

)(5) = /

31

2552 2551 2550 2549 2548

() 85.04 88.33 94.18 96.45 108.75 (NPL-Gross) () 4.16 4.39 4.69 5.16 6.20 (NPL-Net) () 1.12 1.42 1.79 2.48 4.39 () 86.63 81.10 75.03 65.00 68.97 () 107.36 106.81 112.84 122.47 144.31 () 12,046 12,265 11,218 10,800 10,087

1 () 14.01 12.39 12.98 12.20 11.86 () 18.00 13.93 13.32 12.43 12.75 () 261,467 240,353 211,178 182,248 171,575

(7) () - 23.90 18.20 18.80 17.90 16.20- 6.80 4.84 10.60 11.50 11.90- 22.10 7.05 14.60 14.00 13.40 (Market capitalization) () 29,462 9,399 19,464 18,664 17,864

- 1,280 1,333 1,333 1,333 1,333- 1,278 1,317 1,333 1,333 1,333 () 26.08 20.19 19.66 16.93 16.98(8) () 0.35 0.90 0.90 0.80 0.80

9,464 9,638 7,181 6,988 5,529

( Basel I)

()

6,000

5,000

4,000

3,000

2,000

1,000

0 2552 2551 2550 2549 2548

5,109

()

()

2,768

2,818

1,468

3,104

2.0

1.8

1.6

1.4

1.2

1.0

0.8

0.6

0.4

0.2

0.0

20

15

10

5

0

(ROAA) (ROAE)

()

(ROAA)

(ROAE)

ROAA ()

ROAE ()

2552

17.05

1.2

0

2551

10.49

0.7

7

2550

11.55

0.9

3

2549

6.49

0.57

2548

14.31

1.5

0

(6)

= ( - )/

( - )(7) /-(8) 2552

12 2552

()

13 2552

()

()

1 7.1 2 3 9 2552 5 4 5.8 2552 2.3

2552 416,526,737

48.99

2,135

2552 5,109

3

48.99 47.58

()

5

2552 2 1) 2551 2)

9

14 2552

()

15 2552

()

(Customer

Centric)

2552

9

1.

2.

1

3.

4.

5. Cross-selling

6.

7.

8.

Best-in-class

9.

2550

24.98 48.99 2552

2552 5,109

2,341 84.57

27.82

3.99 2551 4.91

3.44 3.15

()

GATHERINGMOMENTUM

87.37

47.94 55.90

2553

4

1.

2.

3.

4.

2552

E-learning

(Hub CSR)

..

2552

11 2553

5

2

()

20 2552

()

1

2551

(-1) 0

2552 (-0.5)-(0.5)

7.1 3

4

5 2551 9

2 3

25521.16

2.50 1.25

2555

7

1.4

8 GDP 56

2555

2 3 9 2552 5.0 9.8

5.2

4

15.4 17.8

2552 2553*

* . 2..2553

21 2552

()

54.8

70.1

2.4 878,900

1.1

410,500

45.2

57 40.8

2

26.5

17.3

2553

43

81

4

5.8

2552 2.3

-0.9

2552

0.78.5

3.0

9.3 2551

4

6.8 4.7 3

1.35

3 1.32

42552

12

0.70 MLR

5.86

(NPLs) 4 2.66

2552 82.9

2552

4

734.5

1

1.3 2551

2552

2553

2553

3.5-4.5

22 2552

()

HumanRecession

(Rebalancing

globalgrowth)

.

35.36/

. 33.31 / . 2552

2553

75-

85

2553

2.5-3.5

NewNormal

2553

23 2552

()

22,112 21,413 699 3.26

6,892 9,506 (2,614) (27.50)

15,220 11,907 3,313 27.82 22,310 11,907 10,403 87.37

24,517 15,878 8,639 54.41

13,013 7,936 5,077 63.97

(2,796) (3,580) 784 (21.90)

(53) (14) (39) 278.57

10,164 4,342 5,822 134.09

(2,989) (1,000) (1,989) 198.90

- (2,066) (574) (1,492) 259.93

5,109 2,768 2,341 84.57

2552 2551 ()

(:)

() 2552 5,109 2,34184.57

27.82

(LoanSpread)3.992551 4.91

(Interest Spread) 3.44

3.15

87.37

47.9455.90

(Basic Earning per Share)

2552 3.99 2.08 (ROAE)255217.05 (ROAA) 2552 1.20

24 2552

()

4,146 3,793 353 9.31

1,064 1,570 (506) (32.23)

15,241 14,736 505 3.43

1,661 1,314 347 26.41

22,112 21,413 699 3.26

4,863 6,999 (2,136) (30.52)

120 184 (64) (34.78)

1,107 1,675 (568) (33.91)

802 648 154 23.77

6,892 9,506 (2,614) (27.50)

15,220 11,907 3,313 27.82

(Yield)(1) 5.34 6.25(CostofFund)(2) 1.90 3.10

(InterestSpread) 3.44 3.15

(Interest Spread)

2552 2551

2552

()

2551

(:)

(:)

2552

15,220 3,313 27.82

2551

22,112 699 3.26

6,8922,614

27.50

(Cost of

Fund) 1.90

3.10 2551

(Interest Spread)

3.153.44

(1) =/(+ ++) (2) =/(++)

25 2552

()

2552

22,310 10,403 87.37

/ 7,125 97.07

2,805

2552

9,77760.57

885 756 129 17.06

() 2,722 (302) 3,024 1,001.32

257 335 (78) (23.28)

2,189 2,241 (52) (2.32)

/ 148 223 (75) (33.63)

/ 312 249 63 25.30

/ 326 241 85 35.27

/ 14,465 7,340 7,125 97.07

1,006 824 182 22.09

22,310 11,907 10,403 87.37

4,435 3,660 775 21.17

1,779 1,516 263 17.35

234 222 12 5.41

790 273 517 189.38

42 41 1 2.44

/ 1,072 823 249 30.26

/ 12,533 5,818 6,715 115.42

3,632 3,525 107 3.04

24,517 15,878 8,639 54.41

2552

2552

2551

2551

()

()

(:)

(:)

2552

24,517 8,639

54.41

/ 115.42

21.1717.35

31 2552 256 213

47.94 55.90

255211,98419.13

26 2552

()

3,665 4,018 (353) (8.79)

- 64,867 65,790 (923) (1.40)

- 97,113 39,385 57,728 146.57

290,115 279,774 10,341 3.70

(10,534) (10,008) (526) 5.26

14,739 15,131 (392) 2.59

459,965 394,090 65,875 16.72

340,799 316,382 24,417 7.72

- 20,939 7,293 13,646 187.11

22,377 18,811 3,566 18.96

28,443 19,243 9,200 47.81

412,558 361,729 50,829 14.05

33,710 26,702 7,008 26.25

(387) (110) (277) 251.82

33,323 26,592 6,731 25.31

14,084 5,769 8,315 144.13

47,407 32,361 15,046 46.49

459,965 394,090 65,875 16.72

2552 2551 ()

31

(:)

2552

2,796

78421.90

31

2552 459,965

65,87516.722551

412,558 50,829 14.05312552

-

31 2552

- 64,867 2551 923 1.40

-

31 2552 -

97,113 2551 57,728 146.57

27 2552

()

31 2552

290,115

255110,3413.70

31 2552

87,096 89.69 32,257 81.90

917 0.95 607 1.54

45,417 46.77 4,987 12.66

19,534 20.11 15,914 40.40

759 0.78 - -

8,609 8.87 5,009 12.72

1,407 1.45 893 2.27

6,003 6.18 - -

4,450 4.58 4,847 12.31

10,017 10.31 7,128 18.10

6 0.01 - -

5,907 6.08 2,868 7.28

2,403 2.47 2,856 7.25

1,701 1.75 1,404 3.57

- 97,113 100.00 39,385 100.00

31 2551 31 2552

(:)

211,5642551

264 ()

1. 16,772 5.78 13,404 4.79

2. 16,289 5.62 15,596 5.58

3. 16,184 5.58 13,829 4.94

4.

4.1 211,564 72.92 211,828 75.71

4.2 7,241 2.50 7,724 2.76

5. 22,265 7.67 17,602 6.29

290,315 100.07 279,983 100.07 (200) (0.07) (209) (0.07)

290,115 100.00 279,774 100.00

31 2552 31 2551

(:)

28 2552

()

(NPLs) 12,046 12,265

() 4.16 4.39

(NPL-net) 3,148 3,836

() 1.12 1.42

10,436 9,947

() 86.63 81.10

31 2552 31 2551

(:)

31 2552 1

250,770 1 30,135

9,410

(

)(

)

307,188 91.21 274,523 88.19 909 9.30 912 9.92 17,970 5.33 25,107 8.07 190 1.94 185 2.01 1,713 0.51 2,024 0.65 1,237 12.65 1,466 15.95 2,180 0.65 1,719 0.55 1,345 13.76 1,230 13.39 7,737 2.30 7,897 2.54 5,709 58.39 5,127 55.79

336,788 100.00 311,270 100.00 9,390 96.04 8,920 97.06

387 3.96 270 2.94

9,777 100.00 9,190 100.00

31 2552

31 2551

31 2552

31 2551

/

(:)

- -

NPL-net:

(NPLs)

31255212,0462551

219 1.79 4.16 4.39 NPL-net NPL-net 31 2552 3,148 1.12

29 2552

()

31 2552 10,436

489 4.92

86.63

107.36

31 2552 852,146

11,008 7,135

2,579

2552

10,940

4,077

-

31 2552 7,355

1.60

831

11.30

2552 716 243

113360

2552 3,665

() 692 1,073 19,225

7,781 3,860

() 13,647

795

181

43,819

52,548

7,740

1,691/

716

28,758 203,520 2,014

1,165277

235,310 981

231

2552

412,558 47,407

89.69 10.31

8.70 8.70 64.44 -

5.0823.59

31

2552412,5582551

50,829 14.05

31

2552 340,799 24,417

7.72

22,377 3,56618.96

30 2552

()

265,871 64.44 269,730 74.57

- 20,939 5.08 7,293 2.02

74,928 18.16 46,652 12.89

22,377 5.43 18,811 5.20

28,443 6.89 19,243 5.32

412,558 100.00 361,729 100.00

31 2551 31 2552

(:)

31 2552 47,407 15,046 46.49 32,361 2551

13,785 3,4432551

5,1091,213

2,1593,4782551

776

3662551

2552

39.03 277 7.10

3

8,315 2551

49.00

31 2552 101,285

5.78

48,408

29,610

12,722

4,861 3061,010

87 4,281

()

4,056 1,870

50.92 3,547 1,304

() 50.92 274 97

38.19 111 123

50.92 225 63

50.92 120 350

100.00 395 253

83.44 115 130

2552 2551

/

()

(:)

31 2552

()

()

31 2552

312551

31

2552413,8782551

45,66312.40

38,057

8,265

64,643

38,057143.14

275,108 2551

8,2653.10

15,797

7,976

9,730

312552

387,523 2551

40,579 11.70

266,727

4,1051.52

1 83.02

99.48

22,165255114,496 189.03

9,3005,196

90,936

75,936

15,000

28,008 58.44

640

4.46 23 2552 7,000

2

2,000 10 1-3 5.25 4-7

5.758-106.50

5,000

1. 3,50010

1-55.256-105.5

2. 1,50015

1-5 5.25 6-10 6.0 11-156.5

312552

26,355 5,085

23.91 2551

2552

2,000

2 2552

2551 0.56

971

16.31255114.702552

87,095

2551 92,609 2552

89

32 2552

()

20

25522

1.

312552

275,108 8,2653.10

2552

//

10,810

2142551

2. .

31 2552 (

).335,145

23,164 7.42

31 2552 7,504

214

7,718 1,353

2.30

3. (Non-performing

Loans)

31 2552 8,3591,192

(NPL Ratio) 2.49

(NPL-net) 1,952 NPL-net

0.59

7,718 92.34

4.

2552 59,876

71.89

17.02 ()

2552 60,161 2551 22,104172.17

31 2552

38,557

123,6452

14,925

Basel II 14.10

2551 11.18 .

8.50

1 23,645 8.65 20,261 8.02

38,557 14.10 28,247 11.18

31 2551 31 2552

33 2552

()

2552 3,547

2,243

171.97

718

3.7 4.69

27.81

(Cost to income ratio)60.81

53.81

1.

198,344 206,320 4.02 2551

35,11350,910

44.99

2.

(Cost of Fund)

2.013.21

3.

2552

(Non-

interest Income Ratio) 16.60

(Cost to Income Ratio)

53.8156.38

2552

20,9341,037

5.21

6,791

2,63727.97

2552 2,830 718

20.22

2552

2,815 613 27.81

2552 9,125 1,420

18.44

683

259

250

() (). 31 2552

273.56

176.64 182.26

15119.18

.

84.70

34 2552

()

.

. 148.09

...7

. 31 2552

111.16

12.16 9.86

(2551) 2551

1.44

2552

312552161.84

1.100.69

2552

2.070.48

25516.362.24

31 2552

(.) 120.38

229.92

402.06

(.)150

31 2552

225.00 162.23

258.45

308.00 .150

. 31 2552 395 14256.13

506297

142.11 136

69 33.66 1002

.

31 2552 115 224

1432 10.8512.50

96 113

152552. 300.30 5.25

THANACHART CSR

35 2552

()

25)

5.

6.

2

7.

8. .

9. .

10.

)

1.

2.

3.

4.

()

1)

2)

()

)

1. ()

(HoldingCompany)

2. ()

.

3. () .

(Full License)

-1

4.

.(

75) (

36 2552

()

312552

()

()

01

()

()

100%

75%

100%

100%

100%

100% 100%

100%

100%

100%

100%

100%

83.44%50.92%

48.99%

100%

37 2552

()

( 50

)

3-5

(Check&Balance)

(Compliance)

.

38 2552

()

...... 6.01..

() 337 0.90 1,057 4.44 2,378 12.05

() 20,280 54.04 18,986 79.73 15,360 77.82

() 104 0.28 110 0.46 72 0.36

271 0.72 145 0.61 210 1.06

17 0.04 17 0.07 63 0.32

2 0.01 7 0.03 6 0.03

60 0.16 65 0.27 55 0.28

377 1.00 285 1.20 160 0.81

356 0.95 466 1.96 421 2.13

271 0.72 253 1.06 20 0.10

- - 1 - 1 0.01

37 0.10 21 0.09 53 0.27

22,112 58.92 21,413 89.92 18,799 95.24

() 414 1.11 391 1.65 573 2.90

() 6,477 17.26 9,109 38.25 9,125 46.23

() 1 - 3 0.01 1 0.01

- - 3 0.01 8 0.04

6,892 18.37 9,506 39.92 9,707 49.18

15,220 40.55 11,907 50.00 9,092 46.06

() 3,625 9.66 1,044 4.38 1,688 8.55

() 2,220 5.92 1,649 6.93 1,506 7.63

() 1,011 2.69 777 3.26 760 3.85

281 0.75 319 1.34 471 2.39

217 0.58 227 0.95 241 1.22

436 1.16 435 1.83 368 1.87

2,670 7.11 2,501 10.50 2,081 10.54

11,637 31.01 4,682 19.66 3,313 16.79

96 0.26 65 0.27 86 0.44

37 0.10 49 0.21 4 0.02

57 0.15 94 0.40 66 0.33

23 0.06 65 0.27 62 0.31

22,310 59.45 11,907 50.00 10,646 53.94

37,530 100.00 23,814 100.00 19,738 100.00

(:)

31 2552 31 2551 31 2550

312550-2552

39 2552

()

2552

(Strategic Direction) (Fully Integrated Financial Services Group)

3 (Universal

Banking)

(CustomerCentric)

(Synergy)

3

3-5

(OrganicGrowth)

(Growth Structure)

(Interest Income)

(Fee-based Income) Cross-selling

2552 (Strategic

Intents)9

1.

(Weintendtomeetallstrategicfinancialtargets.)

2.

1 (We intend tomaintain

marketleaderinHirePurchasebusiness.)

3.

(We intend to increase in customer

accessibility.)

4.

(Weintendtodiversifybusinessloanportfolios.)

5. Cross-selling

(We intend to have a drastic

improvementinCross-selling.)

6.

(We intend to

growbyincreasingfee-basedincomeproportion.)

7.

(Weintendtoenhanceour

productivityandcosteffectiveness.)

8.

Best-in-Class(WeintendtoachieveBest-

in-Classincustomerservicing.)

9.

(Weintendtobuild-upourbrandstrengthening.)

(Strategic Intents)

CEOs Six-point Agenda

40 2552

()

... .

31 2552

256 ()

(ATM) () 401

(CDM) 3 91 76 15

4

1

2

4

(Saving Deposit)

(FixedDeposit)

(Current Deposit) (ForeignCurrency Deposit)

1.

Home 4 You

TBANK Home Plus

Scholar Loan

/

2552

2 Ultra Savings

Premium Current

Cross-selling

Up-selling (Customer Segmentation)

Prestige Banking

Service

Retail Banking

4

41 2552

()

2.

/

3.

(Corporate Finance)3

1,000

300

50

200

25

300

50

200

25

(Credit Scoring)

()

(Target

Sector) SupplyChain

Cross-selling

42 2552

()

4.

Sale

and Lease Back

NGV

.

(NGV)

5.

(ImportL/C) (Trust

Receipt)(Packing Credit)

(Export Bill Negotiation)

(StandbyL/C)

(LetterofGuarantee)

(Market Penetration Strategy)

() (Cross-selling)

SMEs

()

43 2552

()

(FundTransfer)

(ATS)

(BAHTNET)

(SMART) (Bill Payment)

1.

Travelers Cheques

/

(FCD)

2.

Cross-selling Up-selling

2552

4

3

44 2552

()

2552

2552

...

.. 2551 . (Basel II Pillar 2)

2552

(Private Repo)

8

8

(Insourcing)

3.

(Custodian) (Trustee, FundSupervisor) (BondholdersRepresentative) .

...

(BondholdersRepresentative) 2548

2551

(Custodian) (Trustee, FundSupervisor)

(Cost

Leadership)

45 2552

()

2552

32 17 15

7,121,319

6,654,901

93.45

466,4186.55

2552

0.08

7,807,233

6,964,834 89.21

842,395

10.79

(CSR)

. .

132553 1.25

2552 4 2552 1 0.65-1.60

425526.44-

7.13 5.53-5.79

2552

432,9705.20

7

5.09

341,496 7

283,571

4.75

7

2553

2553

2553

2-4

2553

(ElectronicBanking)

(Fee-based Income)

Internet Banking, Cash

Management Mobile Banking

(StrategicAlliances)

46 2552

()

Cross-sellingBancassurance

2553

280,000

1.43

(Small andMediumEnterprise Loan) (ConsumerLending)

2553

(Corporate Loan) 2553

25532554

2555

.

(Full License)

-1

.

.

2

31 2552 . 25

1.

.

2.

3. (SBL)

4.

5.

.

6.

7. 3

(Employee

StockOptionProgram:ESOP)

1. 2552 2551

(Market

Capitalization)

4 2551

47 2552

()

2552

25515

2552

17 (SET 6

mai 11) 5 2552

734.54 2551 449.96 5 2548

18,226 .378,274 4.27 7

35 .

2548

2. 41

36 2552

5

Gold Futures (TFEX)

2552 1,334,318

5,5893.08

12,771

44 2551 8,837

21

SET50 Index Futures 84

30255228,281

29,647 86.52551GoldFutures

2552 Single Stock

Futures 11

GoldFutures1,397

10

SingleStock Futures

6003

3.

Private Bank

4.

. (Retail

Mutual Funds)

.

...

2552

20

1,528,058.14(

) 2551

25.402552605

590,754.83

48 2552

()

1 375

440,787.34

74.612552

30 2552 .

(Retail

Mutual Funds) 78

74,713.96 2.79

5 20 4.89

16,760.97 79.25

. 30 2552 23 8,256.46

6,741.64

445.05

.22

4,511.76 504.6612.59

2

2552

2551

(Telemarketing)

95

5

5

30

2553 ()

0.25-1.00

49 2552

()

5.6 115,040.11

2

Multi-distributionChannel

(Bancassurance)

2552

Bancassurance

2552 16-18 2553 15-20

2552

11 2552

4.71 8 13.27 2

2553 15-20

Bancassurance

..

. .

.

().

50 2552

()

Package Value-added

(Cross-selling)

255219,346

2

1. 2552 266,727 270,8322551

2. 90,936

75,936

15,000

2552

1. (

)

2552 2,168

3,6452551

2. ( )

7

5 2550

2552 634824

2551

3. (

)

2552

79

4.

()

255210

2,889 1.02 2552

.

51 2552

()

(Enterprise-WideRisk)

2552

1

2

2553

()

BehaviorScoring

(RiskProfile)

(ICAAP) Basel II: Pillar 2 .

52 2552

()

(Check andBalance)

(Middle Office) (Risk Control Department) (Back Office) (FrontOffice)

41)

2) (Model) 3) 4)

1. (CreditRisk)

(Market Instrument)

.

312552

()

53 2552

()

.

1.1

Portfolio

31

2552

72.87

2548

1.2

31 2552 31 2551

2,638 0.91 1,187 0.42

16,772 5.78 13,404 4.79

16,289 5.61 15,596 5.57

16,184 5.57 13,829 4.94

7,241 2.49 7,724 2.76

1,944 0.67 1,897 0.68

211,564 72.87 211,828 75.66

17,683 6.09 14,518 5.19

290,315 100.00 279,983 100.00

2552

2551

(:)

THANACHART CSR

Hub

54 2552

()

312552312551

12,329 2551

12,239 2552

4.22

4.40 2551

312552

100

39

(IAS39)

1,801 14.72 2,158 17.50

2,549 20.83 2,092 16.97

7,889 64.46 8,079 65.53

12,239 100.00 12,329 100.00

38 0.31 41 0.33

1,403 11.46 1,312 10.64

1,447 11.82 1,762 14.29

519 4.24 569 4.62

753 6.15 688 5.58

316 2.58 300 2.43

5,213 42.59 5,130 41.61

2,550 20.84 2,527 20.50

12,239 100.00 12,329 100.00

2552

2552

2551

2551

11,630 11,640 (10)

8,110 7,731 379

8,291 7,823 468

(181) (92) (89)

387 270 117

2551 2552

(:)

(:)

(:)

55 2552

()

312552

7,135 2.46

2,579

1.3

.

1.4

31 2552

6,524

1.42 831 11.30

87 ()

1.5

312552

5,6841.24

() 11,008 831

7,135 4,846

2,579 1,571

98 87

290,315 279,983

() 2.46 1.73

2551 2552

(:)

56 2552

()

2. (MarketRisk)

3

2.1 (PriceRisk)

Value-at-Risk (VaR

Model)

Backtesting Bank for International

Settlement(BIS)

Stress Test

312552

- -

917 607

759 -

6 -

24,553 4,290

1,387 469

336 -

132 49

28,090 5,415

- -

20,864 697

7,222 4,540

5,667 -

5,775 2,819

39,528 8,056

67,618 13,471

(:)

2551 2552

57 2552

()

2553

2.2 (Interest Rate

Risk)

(RateSensitiveItems)

(Net Interest Income)

(Reprice) (Interest RateGap

Analysis)

(Reprice)

31

2552

(:)

0-3 3-12 1-5 5

- - - - - 3,665 3,665

697 58,561 1,475 - - 4,097 64,830

2,062 9,702 30,878 37,766 9,290 5,861 95,559 - - - - - 429 429 47,784 6,629 15,420 183,668 34,614 1,923 290,038

50,543 74,892 47,773 221,434 43,904 15,975 454,521

86,110 60,744 73,994 44,432 - 591 265,871

8,673 10,054 1,467 305 - 440 20,939 - - - - - 96 96

- - - - - 1,036 1,036

- 58,109 16,819 22,377 - - 97,305

- - - - - 2,112 2,112

94,783 128,907 92,280 67,114 - 4,275 387,359

58 2552

()

2.3 (Exchange

RateRisk)

(ALCO)

VaR

31 2552

3. (LiquidityRisk)

265,871 69.22 269,730 78.76

15,737 4.10 7,286 2.13

5,202 1.35 7 0.00

68,600 17.86 52,722 15.39

28,705 7.47 12,741 3.72

384,115 100.00 342,486 100.00

1 316,141 82.30 322,261 94.09

1 67,974 17.70 20,225 5.91

384,115 100.00 342,486 100.00

2551

2551

2552

2552

(:)

(:)

59 2552

()

312552

1 1

3,665 - - - 3,665

4,773 60,037 20 - 64,830 2,062 34,885 52,907 5,705 95,559

- 429 - - 429

15,032 91,676 183,330 - 290,038

25,532 187,027 236,257 5,705 454,521

82,110 138,469 45,292 - 265,871

9,113 11,521 305 - 20,939

- 96 - - 96

- 1,036 - - 1,036

2,112 - - - 2,112

- 74,928 22,377 - 97,305

93,335 226,050 67,974 - 387,359

18 133 155 - 306

- 87 - - 87

54 887 69 - 1,010

5,013 62,885 29,898 2,086 99,882

5,085 63,992 30,122 2,086 101,285

4. (OperationalRisk)

(Check andBalance) (Front Office)

(Middle Office) (RiskControlDepartment)

(BackOffice)

31 2552 384,115

1

(:)

60 2552

()

(Outsourcing)

(BusinessContinuity Plan)

Basic Indicator Approach BISGrossIncome

5. (StrategicRisk)

3

1

6.

.

2552

61 2552

()

2546

1

()

www.thanachart.co.th

(CG&CSRProject)

Inner Power 2552 3,950

2552 1.

1.1

1.2

2552292552

62 2552

()

(www.thanachart.co.th)

21

CD-ROM19

37

1 292551272552

2 1

2552

2

379

640

2552

.

14 ( 29 2552 132552)

THANACHART CSR

63 2552

()

1.3

...

... 3

15

2

1.4

. ...

.

2.

/

64 2552

()

(Key

Performance Indicator: KPI) 2552

(CEOsSix-point

Agenda)

2552

2552GoTogether

3AYearofCustomer-Centric CreatingaCultureofCollaboration13 Go Together

2553 GoTogether GrowTogether

(www.thanachart.co.th)

(ThanachartContact

Center 1770)

/

65 2552

()

(CorporateSocialResponsibility:CSR)

3.

(Management Discussion & Analysis: MD&A) 302546 (InvestorRelations)

0 2613 6107 0 2217 8199 3027 E-mail address:

[email protected]

1. - (56-1) - (AnnualReport)

-

2.

3.

4. www.thanachart.co.th 5.

6. (AnalystMeeting) 7. (CompanyVisit/ One-on-OneMeeting)

8. (RoadShow)

9.

2552

(One-on-OneMeeting)

(ConferenceCall)

(GroupAnalystMeeting) (RoadShow)

4.

.28/2551

152551

. 92552

...

1. 0.50

66 2552

()

2.

(2

)

3.

4.

5.

(

2)

6.

7.

8.

1. - -

2. - -

3. - -

4. - -

5. - 6. - 7. - 8. - -

9. - -

24

1. . 28/2551 15 2551

2. . . 13/2552 1)

2)

(ExecutiveCommittee)

3)

56

31 2552

67 2552

()

1 3

1 3

1 3 1 2

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

.

3

312552

1.

2.

3.

4.

1. 302552

2. 30 2552 . 252552 292552

68 2552

()

1.

2.

3. 4.

5.

6.

7.

(The Audit Committee) ...

.

.

252541

31

255232

1.

2.

3.

1. 82552

2. 262552

3. 262552

4. 2

1.

2.

3.

.

4.

5.

6.

7.

8.

1

9.

10.

11.

11.1

69 2552

()

11.2

12.

13. .

102545

3

312552

1.

2.

3.

1.

.

2. 2.1 2.2

2.3

3.

4.

5.

6.

7.

8.

9. 28 2545

3

312552

THANACHART CSR

1. 262552

2. 252552

3. 252552

70 2552

()

1.

2.

3.

1.

2.

3.

4.

5.

/

(GoodCorporateGovernance)

.

(CorporateGovernanceCommittee)

.....

2

1.

2.

1. 262552

2. 252552

3. 252552

1.

.

2.

3.

4.

5.

6.

7.

8.

9.

71 2552

()

31 2552 4

...

1. *

2.

3.

4.

5.

6.

3.

4.

5.

6.

7.

8.

1

3

255213

* 29 2552 292552

26

2551 12552

1.

2.

72 2552

()

1. 13 - - - -

2. 13 - - - 14

3. 11 - - - 6

4. 13 - - - -

5. 13 8 4 2 -

6. 11 7 4 2 -

7. 5 5 - - -

8. 13 - 4 2 9

9. 13 - - - 13

1. 1 - - - - 2. - - - - -

3. 4 - - - 5

(13)

(8)

(4)

(

2)

(14)

1. 292552 2. 22552

3. 22552

4. 302552

5. 26 2552 252552

6. 252552

1.

52

....

1) 11

2)

1

1)

3)

2.

2552

73 2552

()

3.

3

.

4.

3

. .

(Thai Institute of

Directors Association: IOD) 1 2552 2 IOD

1.

Successful Formulation & ExecutiontheStrategy(SFE)3/2552

2.

TheAuditCommitteeProgram (ACP)27/2552

1)

2)

2551

4.54 5

25504.51

/

(KeyPerformance Indicator: KPI)

74 2552

()

) 31 2552 4 18,916,440.23

(

2551)

1)

()

1. 720,000.00 520,000.00 1,981,503.34 3,221,503.34 2. 360,000.00 260,000.00 990,751.67 1,610,751.67

3. 300,000.00 220,000.00 - 520,000.00

4. 360,000.00 260,000.00 990,751.67 1,610,751.67 5. 360,000.00 260,000.00 990,751.67 1,610,751.67

6. 360,000.00 220,000.00 990,751.67 1,570,751.67

7. 210,000.00 100,000.00 - 310,000.00

8. 360,000.00 260,000.00 990,751.67 1,610,751.67

9. 360,000.00 260,000.00 990,751.67 1,610,751.67 2552

1. 30,000.00 20,000.00 990,751.67 1,040,751.67

2. 30,000.00 - 990,751.67 1,020,751.67

3. 120,000.00 80,000.00 990,751.67 1,190,751.67

2551

1. - - 768,171.68 768,171.68

3,570,000.00 2,460,000.0011,666,440.23 17,696,440.23

1. 2552 2551

-102551

2. 292552

3. 22552

4. 22552

5. 302552

6. 262552

75 2552

()

()

()

1. 50,000.00

2. 410,000.00

3. 340,000.00

4. 210,000.00

1,010,000.00

()

2) 1,010,000

1. 2/2552 26 2552 50,00040,00020,000/30,000 2552

2. 22552

3. 262552

4. 262552

3) 140,000

1. 40,000.00

2. 60,000.00

3. 40,000.00

4. -

140,000.00

1. 20,000.00

2. 30,000.00

3. 20,000.00

4. -

70,000.00

4) 70,000

1. 262552 2. 252552

3. 252552

1. 262552 2. 252552

3. 252552

76 2552

()

5) 6)

... 7

34,411,056

1. 630,000.00 466,800.00 1,412,926.26 2,509,726.26

2. 315,600.00 226,800.00 706,463.13 1,248,863.13

3. 315,600.00 132,300.00 706,463.13 1,154,363.13

4. 315,600.00 207,900.00 706,463.13 1,229,963.13

5. 315,600.00 226,800.00 706,463.13 1,248,863.13

6. 315,600.00 226,800.00 706,463.13 1,248,863.13

7. .. 236,700.00 170,100.00 - 406,800.00

8. 315,600.00 207,900.00 706,463.13 1,229,963.13

9. 315,600.00 189,000.00 706,463.13 1,211,063.13

10. 78,900.00 37,800.00 - 116,700.00

11. 236,700.04 151,200.00 - 387,900.04

12. 26,300.00 - - 26,300.00

1. 52,600.00 18,900.00 706,463.13 777,963.13

2. 52,600.00 18,900.00 706,463.13 777,963.13

3,523,000.04 2,281,200.00 7,771,094.43 13,575,294.47

()

1. 232552 2. ..262552

3. 12552

4. 292552

5. 242552

1. 232552 2. ..262552

7.2) 740,000

()

1. 370,000.00

2. 35,000.00

3. 185,000.00

4. .. 150,000.00

740,000.00

7)

2552

7.1)

77 2552

()

7.4) 7.5) ... 8 41,177,691

7.3) 40,000

()

1. 25,000.00

2. 15,000.00

40,000.00

7.6)

1

2552150,000

) -

THANACHART CSR

-

78 2552

()

2545

3125523

25524

1.

2.

3.

4. 2553 5.

25522

1.

2. 2551

3. 2553

()

79 2552

()

31 2552

()

80 2552

()

()

65

-MasterofScience(Finance),MassachusettsInstituteofTechnology,USA

-BachelorofScienceinElectricalEngineering,

MassachusettsInstituteofTechnology,USA

-DirectorAccreditationProgram(DAP)25/2547

5

2549- -

-

-

2548- -

2546- -()

-

-..

-

2545- -()

2544- -()

-()

2532- -()

(2549)

2530- -

-

0.1545(2,060,000)

81 2552

()

()

59

-MasterofScience,UniversityofWisconsin,USA

-


5

2550- -()()

-

2549- -

2548- -

()

-

-()

2546- -

-

-

-

()

(2549)

2543- -()

2535- -()

292552

82 2552

()

()

53

-MasterofManagement

-

-RoleofTheChairmanProgram(RCP)5/2544

5

2552- -

()

-()

-

-()

-

2545-2551 -

22552 252552 292552

()

74

-(.)

-


-FinanceforNon-FinanceDirector(FN)3/2546

-RoleofTheChairmanProgram(RCP)9/2546

5

2550- -()

2547- -()

2545- -()

2547-2550 -

2543-2550 -()

83 2552

()

()

65

-

-

-SeniorExecutiveProgram(SEP)SloanSchoolMIT(USA)


-DirectorCertificationProgram(DCP)40/2547

-AuditCommitteeProgram(ACP)3/2547

-FinanceforNon-FinanceDirector(FN)8/2547

-RoleofTheCompensationCommittee(RCC)6/2551

-ITGovernance:AStrategicPathForwardBoardand

PerformanceEvaluation

-SuccessfulFormulation&ExecutionofStrategy(SFE)

3/2552

5

2546- -()

2543- -..

2545-2551 -()

2546-2549 --

82552

262552

84 2552

()

()

61

-(MBA)WichitaStateUniversity,Kansas,USA

-


-RoleofTheCompensationCommittee(RCC)4/2550

5

2551- -

2543-2550 -()

2542-2550 -()

-()

262552

()

61

-FortHaysKansasStateCollege,USA

-(2)


-AuditCommitteeProgram(ACP)27/2552

-3

-(.)40

5

2552- -

2551- -()

2550- -

2548-2552 -

2550-2551 -

-

2549-2551 -.()

2546-2551 -()

2548-2550 -

2546-2550 -()

2545-2548 -

262552

252552

85 2552

()

()

64

-BachelorofEconomics,MonashUniversity,Australia

-CommercialLendingTrainingProgramBankerTrust,NewYork,USA


5

2548- -

2545- -()

2534- -()

252552

()

55

-

-


5

2552- -

2550- -

2546- -6

2543- -

2548-2550 -()

2548 -()

2547-2548 -()

(())

86 2552

()

48

-(MBA)

-()

-2552

5

2550- -

-6

2549- -

2549-2550 -

()

2548-2549 -

()

2547-2548 -()

49

-

-

5

2544-2550 -

()

87 2552

()

48

-

-2552

-ManagingtheRecovery

-

5

2550- -

2548- -

2546- -6

2547-2548 -

()

(())

2544-2547 -3

0.000006(800)

44

-()

-MINIMBA

-YoungBankersExecutiveDevelopmentProgramYOBEX

-IFRS2554

-CFONIDABusinessSchool// (mai)5

2545- -

88 2552

()

25522551

(312552)

31 2552

31 2551

()

()

1. 2,060,000 2,060,000 - 0.1545

()

2. - - - -

()

3. - - - -

()

4. - - - -

()

5. - - - -

()

6. - - - -

()

7. - - - -

()

8. - - - -

()

9. - - - -

()

10. - - - -

11. - - - -

12. 800 800 - 0.000006

13. - - - -

89

2552

(

)

(312552)

XXX XXX XX XXX XXX/// XXX X X XXX X X X

XX/// XX///A X/// X/// XX// X X X X X X X

X/A X/B XXX X

X XXX X

X XXX

X XXX

X X X

X// X// X X

X/C XXX/// XXX/// X

D X X//

E

E X X

F

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26

XXX

A

XX

B

X C

///

D

//

E

/

F

90 2552

()

1. ()

2. ()

3.

4.

5.

6.

7. ()

(312552)

THANACHART CSR

8. ()

9.

10.

11.

12.

13.

14...

15.()

16. ()()

17.

18.()

19.()

20.()

21.

22.

23. ()

24. ()

25.()

26.

CSR CLUB

91 2552

()

31 2552

()

()

92 2552

()

3

2552718

2553

()

93 2552

()

()

3125522551

() ()

3125522551

()

()

3734

:242553

94 2552

()

95 2552

()

96 2552

()

97 2552

()

98 2552

()

99

2552

(

)

100

2552

(

)

101 2552

()

102 2552

()

103 2552

()

104 2552

()

105 2552

()

106 2552

()

nn nn nn}ne{

3.2 noe{ o 20 1 2555 do

n

24

do o

1 2554

40 r 1 2554

n 24 40 no

inoon 20 nn n 24 40 nn}neon

4.

4.1 oo

) no

oo}orooo onnoo (Effective rate)

noorooo n} o}oo o rnoono

nooonro on oonn on oornonnon onn

nooo n (Yield) on () nne ooo onne

107 2552

()

nonoo nn}on}on ono

onnonnrooo}oonn

) { }oroo {}o

{ ) no nor}o ) or }oooo no

oroorrr (...)

) ()rr ()rr}onon ) n n}oro ) o/

}oorn norn 1 e r 1 e onono}nno o}ononoo on}o n}oonon on

108 2552

()

}ononn nnon eo}oron on

4.2 onon

) n

n}nonro onn o }nn}nonn

) nononon/n

nonon/n (n no nm) n/nn 1 2550 {noo oooo

oon/nnonon

4.3 n}o/

nn}orrn}o

r (o on 6 )

- (n)

n - oo

o n 6

- o

}n rn

rr ro}rn 23 2544 on

109 2552

()

noinor ) rn 1 e on (Fractional reserve) ) nonn 1 e

n}oo 4.4

ron nnr}

ro}n nnrn}nnoonrnn eonn nn/nnno n}

nno} nnon (o)

nnn}nn nn no}o no rr

nro oern nr o . oon nnnr

non (o) r

nono nnon

nnn o} () }nnnn noo (n) on

110 2552

()

4.5 non } nnon (o)

on}non oon}o

n on o

nnonon on

4.6 nn nnnn

on (o) on}non nnno no

oononn 4.7 r

n n nr}nnoonn ro}o

4.8 /o

/o /orrrnrr /ono o}r

4.9 o

oono ooo o/nnoono}o}o

nnnnnoon}o nononon

rno r no rro ooror} n ron o rnn n

111 2552

()

4.10 n

) nnor . onno rrn n () o}nonne ( no) n} nnno 1 2 oo (no) r . nron/n o no 100 nnnn{non{non onnor . o}nnnn

) nrnnnro nn/on nr ...

) nononnooon}o o (or .) onn 3 no on 3 nn

) nno {o

) nn orn onnrnn} nnoo 100 o

) n} on

112 2552

()

4.11 o{

}onn nnon{no oonono} o nnnono}nno}noneo nnnon{non nnnon

}o{rno nrno}oronr ( oo) nnoo (o ooo) nnrnoo}oon

o oo}o

4.12 or o

nroonrr o} no}rn nnnnor r}nn

4.13 r

r (nr non nnoo) nnoonn nnoononon r . r

nro}o ooo o or . nono}non

4.14 r n

) rnnn

113 2552

()

) rnnnon (o) nroo o

- 20 e n - 5 - 10 e n r - 5 - 10 e - 5 e

nn

4.15 rnnn

rnnnnnon (o)

nnrnornorr onrnonoron nnnrnne}no nnnono}non

rnoror 5 - 10 e 4.16 n

nn nonnnonr o nnonr oono on nnon onneonon ron {nnonrno (nnrno) nor nnonrnon (nnrno) nnonrnoonn oon onnno

4.17 n n}onnoonon

}n n}nionrnn{onnonnn nnon

n

114 2552

()

} nnn ronnorn

nnr}onnnoon}n nnnon}n n}nonon onno}nonon

4.18 on oonno nnn

noon r{o

4.19 nno noon}o ro on odno}n o

4.20 or no orno nr non

4.21 nnon/onr

nonn nnooo

nooo in nnro nonnnoo (Incurred but not reported claims - IBNR) rnn on o 2.5 o o}r n}on n n 1 2552 }o n IBNR nn nro 2.5 o

onrooor

115 2552

()

4.22 o

o n nn}o non

onn}n o n n

4.23 onr

nnonnrn onn onon oonr}e noonnnornnnr nnor nornoronn nro onroon nooonon}ono nor nnorn}n{ono{}rn

noon nnonononr

nnnnoonon onn nonnoronrnnnnoen

4.24 r

non no }non

4.25 n }nnen}o

r}nn on}o

n

116 2552

()

4.26 no}ro

o }ononnn nnonn

4.27 o no 4.28 r no}r

n noo n noro} n

on n no n

ooo}noo r}nno ej nnn r}ronrj }nn on

5. o i}oonn onnn no no o

5.1 or or ioonnorrnon o ooo{

5.2 nonon nononn o o ioorn. n{no or n} n

117 2552

()

5.3 n nnno n ioonn o n oon n or n

5.4 nonr nnonr i nnonon nononn}oo i

5.5 nonr

nnonrnnnornnn ioornon . oonnr r

5.6 rn

nr i}oonor oonnn

5.7 nrn

nnrn }ooinrno non oo oo o

5.8 n/n

n ioo}oorn o n}on nn}n n}onnnoon}n

5.9 nnroo .

nnroonr (.) nono . no

118 2552

()

r} ioooooon inonnr{

5.10

r on oon ooo i non

5.11 nnon

nonooo in n}nonnoo (IBNR) oor} oooo on n nn n n }o

5.12 jo

njon ioojo o innnn

119 2552

()

120 2552

()

121 2552

()

122 2552

()

123 2552

()

o onno 10 e ( : 331 o) (2551 : o 1,169 o 418 o ) n o}ooo .oo

31 2552 nnnnno n nonro o 557 o }onon o ( : 183 o) (2551 : 557 o 183 o )

ne 31 2552 nooo . } 9 o oo 254 o ( : 3 o 94 o )

nn . nnronoo 35.2

7.5 31 2552 - o oo () (n) 3,078 o (2551 : 3,000 o)

7.6 31 2552 r n 1,738 o oo}or}n (2551 : 1,257 o)

124 2552

()

125 2552

()

126 2552

()

127 2552

()

128 2552

()

129 2552

()

130 2552

()

131 2552

()

132 2552

()

133 2552

()

134 2552

()

135 2552

()

136 2552

()

137 2552

()

138 2552

()

139 2552

()

140 2552

()

141 2552

()

142 2552

()

143 2552

()

144 2552

()

145 2552

()

146 2552

()

147 2552

()

148 2552

()

149 2552

()

150 2552

()

151 2552

()

152 2552

()

153 2552

()

154 2552

()

n}rnonn () 90 nn 19 o oo nronon}on ( : 12 o)

30. o

oeononn no}n on oono}o

oe 31 2551 oo 102 o e 2550 nor - r roono or}on ononnno oone 2549 one 2549 noe 2549 non

31.

nnon .. 2530 on}o 5 nno non non ne 2552 nono} 111 o ( : 3 o)

32. no

noo}non} eoonnnne o

non} eoonnneo ono oono}o no}o oe on

155 2552

()

156 2552

()

157 2552

()

158 2552

()

159 2552

()

160 2552

()

161 2552

()

162 2552

()

163 2552

()

164 2552

()

n ood roo o nonn n n ro odn BNS noo onon BNS ro nnooonn

oo BNS oon n BNS oonn n i n n onnn nn}

36. jo 31 2552 njon}

1,395 o ( : 848 o) n} n innnno} {

37. 31 2552 n n

6 o ojn ( : 6 o) 38. or

38.1 o o no

nnnoo nnoo o r

no r }jo}{

38.2 no

r nnnn o o o

165 2552

()

166 2552

()

167 2552

()

168 2552

()

169 2552

()

170 2552

()

171 2552

()

172 2552

()

173 2552

()

174 2552

()

rn ooonn no n rno

40. r

24 r 2553 oonooe n{onoooo e 2552 o 0.60 }{ 767 o {noooeo

41. oo 24 r 2553

175 2552

()

3734

1. (Audit Fee)

2552

1,650,000

37,012

14,200,000

213,937

2552 1

10,000

2. (Non-AuditFee)

(.)

(.)

IAS 39 Purchase Price

AllocationExercise

2552 2,796,406 2552535,000

2,261,406

2552 1,700,000

2552700,000

1,000,000

THANACHART CSR

176 2552

()

()

.

(

190)

2552

31 2552

33 31 2551 34

THANACHART CSR

177 2552

()

(). () 1. .

/

/

1 (OnePresence)

.

2551 2.80 264

- . 2552 100 2,400

-

-

.

- .

178 2552

()

()

- 50.92

1.

2.

3...

4.

-

-

- ..

-

- 4

2551 3,645

- 100

2552 1. 2,168

2.

3.

4.

5.

-

-

-

1 (OnePresence)

.

2.

/

/

179 2552

()

2551 824

- 99.99

2552

1. 634

2.

3.

4.

5.

6.

7.

8.

-

-

-

2551 --

- 100 2552 77

1.

2.

3.

-

-

-

2551 -- 2552 - 100

10

-

-

-

-

1 (OnePresence)

.

/

/

180 2552

()

()

1. ()MBK()

(MBK)(GHB)(SPW)()

1.1

1. () 1.

() 50.92* 2.

2. ()(MBK)

19.90MBK

3. (GHB) MBKMBK

99.99GHB

4. (SPW) MBKMBK

30.72SPW

*3255250.92

1.2

() MBK ()

() 30 2543 12

2555 ( 12 1 12 )

25525

MBK

Booth Exchange ATM25529.47

1.3 2551

18.76255214.47

181 2552

()

2. ()()(MBK)()

2.1

1. () 1.

() 50.92 2.

2. ()(MBK)

19.90MBK

3. () MBK

(MBK-R) MBK

69.88MBK-R

4. (SSTN) MBK

MBK100SSTN

5. MBK

(MBK-HR) MBK100MBK-HR

6. (PST) MBK

MBK

69.88PST

7.(GHB) MBK

MBK

99.99GHB

8. MBK

()(PRG) MBK

74.52PRG

9. (SCM) MBK

MBK

65.36SCM

10.() MBK ()(ROH) MBK29.77ROH

11.(LAN) MBK

MBK

69.88LAN

12. MBK

()(AAA) MBK49.99AAA

12552

182 2552

()

1. 1.

() 50.92 2.

100

2.()(MBK)

19.90MBK

3. MBK

(MBK-E) MBK

81.23MBK-E

4.() MBK

(MBK-R) MBK

69.88MBK-R

5.(SSTN) MBK

MBK100SSTN

6. MBK

(MBK-HR) MBK100MBK-HR

7.(PPM) MBK

MBK

99.98PPM

8. () MBK

(AAA)

MBK49.99AAA

2.2

2551 MBK

()()

()

() () 136.38

53.94

2552 MBK ()

()

()

() ()

()

111.49

51.50 FX Line 0.18

2.3

MBK

MBK

3.

()()

()

()

()

3.1

183 2552

()

9. (GHB) MBK

MBK

99.99GHB

10. (PST) MBK

MBK

69.88PST

11. (LAN) MBK

MBK

69.88LAN

12. (PPC) MBK

MBK99.99PPC

13. MBK

(MBK-LS) MBK

49MBK-LS

14. (ALT) MBK

MBK

99.99

15. MBK

(CLP) MBK69.88CLP

16. (PAS) MBK

MBK

69.88PAS

17.(SCM) MBK

MBK

65.36SCM

3.2

()

() 2551 2552 15.30 22.57

THANACHART CSR

()

12552

184 2552

()

3.3

1. 1.

() 50.92 2.

100

2. ()(MBK)

19.90MBK

3. MBK

(MBK-E) MBK

81.23MBK-E

4. (TTB) MBK

MBK99.93TTB

5. (ALT) MBK

MBK

99.99ALT

6. (MBK-LS) MBK

MBK

49MBK-LS

7. (MBK-C) MBK

MBK

99.93MBK-C

8. () MBK

(AAA)

MBK49.99AAA

4.2

2551 2552

2.542.55

4.3

MBK

5. . . .

(PST)

4.

(

) ()

()()

4.1

185 2552

()

31 2552 31 2551

5.1

1. (PST) MBK 1.

MBK69.88PST 2.

2. ()(MBK)

19.90MBK

3. ()

() 50.92

4.

(.) 100.

5.

(.) 83.44.

6.

(.) 50.92

75.

5.2

1. () 16.59 15.60

2.() 2.79 4.14

3. 22.22 21.22

4. 9,133.00 3,521.68

5. 3.93 -

(:)

5.3

6. . .

.

186 2552

()

31 2552 31 2551

1.() 4.72 3.67

2.() 0.87 -

3. 1.77 4.06

4. 2.88 -

5. 0.27 -

(:)

6.1

1. (PST) MBK 1.

MBK69.88PST 2.

2. ()(MBK)

19.90MBK

3.

(.) 100.

4.

(.) 75

.

5.

(.) 83.44.

6.2

6.3

1. 1.

() 50.92 2.

3..

100 4.

2. ()

() 50.92

1.

.

. .

1.1 ()

187 2552

()

1.2

3.

50.92

()

100

4. ()

(.) 50.92

100.

5.

() 50.92

100

6.

(.) 100.

7.

(.) 83.44.

1.

() 50.92 2.

100

2551

25520.29

3.18

1.3

2. (DirectorsandOfficersLiability Insurance)

2.1.

188 2552

()

1. 1.

() 50.92 2.

3...

100

2.2

25512552

5.214.7

2.3

.

. () ()

1.

2.

2551 2552 0.17 8.58

3.

()

1.

2.

3.

31 2552 31 2551

48 67

554 496

(:)

2.

(.)) 100.

3.

(.) 83.44.

189 2552

()

1.

()(AIS)

AIS

2.()

() 50.92

1. ()(IRPC)

IRPC

2. ()

() 50.92

2.

. (AIS)

2551

. (AIS) 43

2552

. (AIS)

2.

.

(IRPC) 2551

2552. (IRPC)1,000FXLine

50

3.

.(IRPC)

()(AIS)

1.

59.2436.29

3.

. (AIS)

()(IRPC)

1.

190 2552

()

.

...

/

1(OnePresence)

(ConsolidatedSupervision)

THANACHART CSR

191 2552

()

()

312552

10

/

()

()

()

()

()

() 59,346,192,720 19,346,192,720 1,934,619,272 985,170,229 50.92

900

10330

026559000

026559001

1,000,000,000 1,000,000,000 100,000,000 99,999,993 100.00

44417

10330

022178199

022178289

572,000,000 572,000,000 57,200,000 47,727,674 83.44

44417

10330

026119533-44

026119494

6,250,000 6,250,000 1,000,000 998,993 99.90

44410

C4

10330

026116606

026119516

192 2552

()

/

()

()

()

()

()

15,000,000 15,000,000 1,000,000 998,679 99.87

44410

10330

022178000

026119486

5,000,000 5,000,000 1,000,000 755,938 95.12

44410 20,000,000 20,000,000 4,000,000 4,000,000

10330

026136000

026119516

500,000,000 500,000,000 50,000,000 5,000,000 10.00

32/46-18

21()

10110

022598911-6

022598919

01 1,700,000 1,700,000 170,000 169,993 100.00

444

11

10330

022178160

193 2552

()

() : 44410-1115-20

10330

: 0107536000510

: 13,331,540,030

13,331,540,030

: www.thanachart.co.th

(e-mail) : [email protected]

: 022178000,022178199,022178444

: 022178312

:

: ()

62

10110

022292800023591259

CallCenter022292888

:www.tsd.co.th

: TCAP103A

/ : ()

3937

10500

022306301,022305883022306200

:www.tmbbank.com

: TCAP105A

: ()

62

10110

022292800023591259

CallCenter022292888

:www.tsd.co.th

:

8216

10500

022322665,022322679026392594

:www.citibank.co.th

194 2552

()

: TCAP14NA TCAP131A

/ : ()

44

10330

026267503-4,026267218

026267587,026267542

:www.cimbthai.com

: 193/136-13733

10110

022640777022640789-90

: 3734

:

128/20-213

10400

022166677022166558

-

-

EARTHHOUR2009 World Wildlife Fund (WWF)

1

195 2552

()

/

1. () 129,914,400 - 129,914,400 9.74

2. 101,692,477 - 101,692,477 7.63

3. - 101,548,200 - 101,548,200 7.62

4. CHASENOMINEESLIMITED42 57,670,100 - 57,670,100 4.33

5. 57,000,000 - 57,000,000 4.28

6. () 55,324,300 - 55,324,300 4.15

7. STATESTREETBANKANDTRUSTCOMPANY 45,827,342 - 45,827,342 3.44

8. DAIWASECURITIESSMBCCO.LTD.-CLIENTSACCOUNT 42,000,000 - 42,000,000 3.15

9. NORTRUSTNOMINEESLTD. 31,354,500 - 31,354,500 2.35

10. MELLONBANK,N.A. 22,978,000 - 22,978,000 1.72

11. 687,828,828 15,856 687,844,684 51.59

1,333,138,147 15,856 1,333,154,003 100.00

849,234,867 15,796 849,250,663 63.70

483,903,280 60 483,903,340 36.30

152552()

312552

: 13,331,540,030

: 13,331,540,030

: 1,333,138,147 10

* : 15,856 10

* 1 : 1 15

() /

10

15 2552 ( )

196 2552

()

2552

10/2552 29 2552 12552

302552

0.35

2825521,277,829,703*

447,240,396.05

* 55,324,300

2552 29 2552 1 2551 312551

0.60

28 2552 1,277,829,703

766,697,821.80 9/2551 25

2551 1255130

2551 0.30 399,946,200.90

242551

25511,166,644,022.70

0.90

-

197 2552

()

()

44410-1115-20

10330

022178000,022178444

022178312

0107536000510


()

900

10330

026559000

026559001

0107536001401

www.thanachartbank.co.th

()

44414,1819

10330

022178888,026119222,022179595

022179642

0107547000591

www.tnsitrade.com

8981518

10330

021268300

022630811

0105535049696

www.thanachartfund.com

11025

10110

026617999

022046904

0105540060091

www.thanachartinsurance.co.th

231

10330

022074200

022538484

0105540057090

www.thanachartlife.co.th

Thanachart Contact Center 1770

191 2552

()

()

312552

10

/

()

()

()

()

()

() 59,346,192,720 19,346,192,720 1,934,619,272 985,170,229 50.92

900

10330

026559000

026559001

1,000,000,000 1,000,000,000 100,000,000 99,999,993 100.00

44417

10330

022178199

022178289

572,000,000 572,000,000 57,200,000 47,727,674 83.44

44417

10330

026119533-44

026119494

6,250,000 6,250,000 1,000,000 998,993 99.90

44410

C4

10330

026116606

026119516

192 2552

()

/

()

()

()

()

()

15,000,000 15,000,000 1,000,000 998,679 99.87

44410

10330

022178000

026119486

5,000,000 5,000,000 1,000,000 755,938 95.12

44410 20,000,000 20,000,000 4,000,000 4,000,000

10330

026136000

026119516

500,000,000 500,000,000 50,000,000 5,000,000 10.00

32/46-18

21()

10110

022598911-6

022598919

01 1,700,000 1,700,000 170,000 169,993 100.00

444

11

10330

022178160

193 2552

()

() : 44410-1115-20

10330

: 0107536000510

: 13,331,540,030

13,331,540,030

: www.thanachart.co.th

(e-mail) : [email protected]

: 022178000,022178199,022178444

: 022178312

:

: ()

62

10110

022292800023591259

CallCenter022292888

:www.tsd.co.th

: TCAP103A

/ : ()

3937

10500

022306301,022305883022306200

:www.tmbbank.com

: TCAP105A

: ()

62

10110

022292800023591259

CallCenter022292888

:www.tsd.co.th

:

8216

10500

022322665,022322679026392594

:www.citibank.co.th

194 2552

()

: TCAP14NA TCAP131A

/ : ()

44

10330

026267503-4,026267218

026267587,026267542

:www.cimbthai.com

: 193/136-13733

10110

022640777022640789-90

: 3734

:

128/20-213

10400

022166677022166558

-

-

EARTHHOUR2009 World Wildlife Fund (WWF)

1

195 2552

()

/

1. () 129,914,400 - 129,914,400 9.74

2. 101,692,477 - 101,692,477 7.63

3. - 101,548,200 - 101,548,200 7.62

4. CHASENOMINEESLIMITED42 57,670,100 - 57,670,100 4.33

5. 57,000,000 - 57,000,000 4.28

6. () 55,324,300 - 55,324,300 4.15

7. STATESTREETBANKANDTRUSTCOMPANY 45,827,342 - 45,827,342 3.44

8. DAIWASECURITIESSMBCCO.LTD.-CLIENTSACCOUNT 42,000,000 - 42,000,000 3.15

9. NORTRUSTNOMINEESLTD. 31,354,500 - 31,354,500 2.35

10. MELLONBANK,N.A. 22,978,000 - 22,978,000 1.72

11. 687,828,828 15,856 687,844,684 51.59

1,333,138,147 15,856 1,333,154,003 100.00

849,234,867 15,796 849,250,663 63.70

483,903,280 60 483,903,340 36.30

152552()

312552

: 13,331,540,030

: 13,331,540,030

: 1,333,138,147 10

* : 15,856 10

* 1 : 1 15

() /

10

15 2552 ( )

196 2552

()

2552

10/2552 29 2552 12552

302552

0.35

2825521,277,829,703*

447,240,396.05

* 55,324,300

2552 29 2552 1 2551 312551

0.60

28 2552 1,277,829,703

766,697,821.80 9/2551 25

2551 1255130

2551 0.30 399,946,200.90

242551

25511,166,644,022.70

0.90

-

197 2552

()

()

44410-1115-20

10330

022178000,022178444

022178312

0107536000510


()

900

10330

026559000

026559001

0107536001401

www.thanachartbank.co.th

()

44414,1819

10330

022178888,026119222,022179595

022179642

0107547000591

www.tnsitrade.com

8981518

10330

021268300

022630811

0105535049696

www.thanachartfund.com

11025

10110

026617999

022046904

0105540060091

www.thanachartinsurance.co.th

231

10330

022074200

022538484

0105540057090

www.thanachartlife.co.th

Thanachart Contact Center 1770

198 2552

()

30

(Corporate Social Responsibility: CSR)

2

1. (SociallyResponsible Business) CSR 30

1.1

1.2

1.3

1.4

1.5

2. (CSRActivities)

(Stakeholders)

2

2.1

..

Scoop TV 1 30 9..

..

12

2.2

199 2552

()

21

43

4

1.

2. 3. 4.

3,000

200

-

...

7

1...

..

2.

..

3.

4.

..

14 2552

()

15 2552

()

(Customer

Centric)

2552

9

1.

2.

1

3.

4.

5. Cross-selling

6.

7.

8.

Best-in-class

9.

2550

24.98 48.99 2552

2552 5,109

2,341 84.57

27.82

3.99 2551 4.91

3.44 3.15

()

GATHERINGMOMENTUM

87.37

47.94 55.90

2553

4

1.

2.

3.

4.

2552

E-learning

(Hub CSR)

..

2552

11 2553

5

2

()

th01th02th03th04th05th06th07th08th09th10th11th12th13th14th15th16th17th18th19th20th21th22th23th24th25th26th27

Documents

TCAP: รายงานประจำปี 2552