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Annual Report
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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
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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
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7,889 64.46 8,079 65.53
12,239 100.00 12,329 100.00
38 0.31 41 0.33
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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
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8,110 7,731 379
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58 2552
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2.3 (Exchange
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31 2552
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15,737 4.10 7,286 2.13
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28,705 7.47 12,741 3.72
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1 316,141 82.30 322,261 94.09
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25,532 187,027 236,257 5,705 454,521
82,110 138,469 45,292 - 265,871
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93,335 226,050 67,974 - 387,359
18 133 155 - 306
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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)
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31 2552 384,115
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60 2552
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65 2552
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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
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2. 292552
3. 22552
4. 22552
5. 302552
6. 262552
75 2552
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1. 50,000.00
2. 410,000.00
3. 340,000.00
4. 210,000.00
1,010,000.00
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1. 2/2552 26 2552 50,00040,00020,000/30,000 2552
2. 22552
3. 262552
4. 262552
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2. 60,000.00
3. 40,000.00
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1. 20,000.00
2. 30,000.00
3. 20,000.00
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1. 262552 2. 252552
3. 252552
1. 262552 2. 252552
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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
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79 2552
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31 2552
()
80 2552
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65
-MasterofScience(Finance),MassachusettsInstituteofTechnology,USA
-BachelorofScienceinElectricalEngineering,
MassachusettsInstituteofTechnology,USA
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5
2549- -
-
-
2548- -
2546- -()
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2545- -()
2544- -()
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2532- -()
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2530- -
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0.1545(2,060,000)
81 2552
()
()
59
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5
2550- -()()
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2549- -
2548- -
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2546- -
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2543- -()
2535- -()
292552
82 2552
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53
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5
2552- -
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2545-2551 -
22552 252552 292552
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74
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-RoleofTheChairmanProgram(RCP)9/2546
5
2550- -()
2547- -()
2545- -()
2547-2550 -
2543-2550 -()
83 2552
()
()
65
-
-
-SeniorExecutiveProgram(SEP)SloanSchoolMIT(USA)
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-DirectorCertificationProgram(DCP)40/2547
-AuditCommitteeProgram(ACP)3/2547
-FinanceforNon-FinanceDirector(FN)8/2547
-RoleofTheCompensationCommittee(RCC)6/2551
-ITGovernance:AStrategicPathForwardBoardand
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3/2552
5
2546- -()
2543- -..
2545-2551 -()
2546-2549 --
82552
262552
84 2552
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61
-(MBA)WichitaStateUniversity,Kansas,USA
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5
2551- -
2543-2550 -()
2542-2550 -()
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262552
()
61
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64
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5
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88 2552
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25522551
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31 2552
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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
www.thanachart.co.th
()
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
www.thanachart.co.th
()
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
()
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