Asia Sermkij Leasing : Annual Report 2009

Message from the Board of Directors

Audit Committeeûs Report

Report of the Board of Directors Responsibilities for Financial Statements

General Information

Financial Highlights

Nature of Business

Business Competition

Risk Factors

Shareholding and Management Structure

Connected Transactions

Management Discussion and Analysis

Financial Statements

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CONTENT

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1

“ åπ®“°§≥–°√√¡°“√

§≥–°√√¡°“√∫√‘…—∑¡’§«“¡¬‘π¥’∑’Ë®–‡ πÕ√“¬ß“πª√–®”ªï ·≈–ß∫°“√‡ß‘π∑’Ëμ√«® Õ∫·≈â«¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ”À√—∫

√Õ∫ªï∫—≠™’ ‘Èπ ÿ¥ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552

¿“æ‡»√…∞°‘®·≈–¿“«–Õÿμ “À°√√¡ªï 2552‡»√…∞°‘®‰∑¬‰¥â√—∫º≈°√–∑∫®“°«‘°ƒμ‘‡»√…∞°‘®‚≈°´÷Ëß‡°‘¥¢÷Èπ„π™à«ß‰μ√¡“ ÿ¥∑â“¬¢Õßªï 2551 ‚¥¬ àßº≈„Àâ‡»√…∞°‘®‰∑¬

‡¢â“ Ÿà ¿“«–∂¥∂Õ¬ Õ¬à“ß‰√°Áμ“¡„π™à«ß‰μ√¡“ ∑’Ë 4 ¢Õßªï 2552 ‡√‘Ë¡¡’ —≠≠“≥øóôπμ—« ·≈– àßº≈„Àâ„πªï 2552 º≈‘μ¿—≥±å¡«≈√«¡

„πª√–‡∑»¡’Õ—μ√“≈¥≈ß¡“Õ¬Ÿà∑’Ë√âÕ¬≈– -2.3 ‡ª√’¬∫‡∑’¬∫°—∫ªï 2551 ´÷Ëß¡’Õ—μ√“°“√¢¬“¬μ—«√âÕ¬≈– 2.6 ¥â“π°“√ àßÕÕ°´÷Ëß‡ªìπ·√ß

º≈—°¥—πÀ≈—°¢Õß‡»√…∞°‘®‰∑¬ª√—∫μ—«≈¥≈ß√âÕ¬≈– 14 ®“°§«“¡μâÕß°“√ ‘π§â“®“°μà“ßª√–‡∑»∑’Ë≈¥≈ß ·≈– àßº≈„ÀâÕ—μ√“°“√„™â°”≈—ß

°“√º≈‘μ¢ÕßÕÿμ “À°√√¡≈¥≈ß¡“Õ¬Ÿà∑’Ë√âÕ¬≈– 62 ·≈–°“√≈ß∑ÿπ¿“§‡Õ°™π≈¥≈ß√âÕ¬≈– 13 πÕ°®“°π’È °“√‡≈‘°®â“ßß“π®“°¿“§

Õÿμ “À°√√¡·≈–§«“¡‰¡à¡’‡ ∂’¬√¿“æ∑“ß°“√‡¡◊Õß àßº≈„Àâ§«“¡‡™◊ËÕ¡—ËπºŸâ∫√‘‚¿§≈¥≈ß·≈–∑”„Àâ°“√∫√‘‚¿§¿“§‡Õ°™π≈¥≈ß√âÕ¬≈– 1.1

®“°°“√∑’Ë∏π“§“√·Ààßª√–‡∑»‰∑¬§ß√–¥—∫Õ—μ√“¥Õ°‡∫’È¬„π√–¥—∫μË”∑’Ë√âÕ¬≈– 1.25 „πªï 2552 ‡ªìπ à«π„À≠à ª√–°Õ∫°—∫°“√

∑’Ë√—∞∫“≈æ¬“¬“¡‡æ‘Ë¡°“√„™â®à“¬ “∏“√≥–¿“¬„μâ‚§√ß°“√‰∑¬‡¢â¡·¢Áß ‡æ◊ËÕ‡ªìπ°“√°√–μÿâπ‡»√…∞°‘®‚¥¬√«¡¢Õßª√–‡∑»·≈–

‡»√…∞°‘®‚≈°∑’Ë§àÕ¬ Ê øóôπμ—«„π§√÷ËßªïÀ≈—ß àßº≈„Àâ‡»√…∞°‘®‰∑¬‡√‘Ë¡¡’ —≠≠“≥°“√øóôπμ—«„π‰μ√¡“ ∑’Ë 2 ·≈–∑”„Àâº≈‘μ¿—≥±å¡«≈√«¡

„πª√–‡∑»‡ªìπ∫«°‰¥â„π‰μ√¡“ ÿ¥∑â“¬¢Õßªï

¬Õ¥¢“¬√∂¬πμå„À¡à„πªï 2552 ≈¥≈ß®“°ªï 2551 √âÕ¬≈– 10.8 ®“°¬Õ¥¢“¬√«¡ 615,270 §—π„πªï 2551 ‡ªìπ¬Õ¥¢“¬√«¡

∑—Èßªï®”π«π 548,871 §—π„πªï 2552 ‚¥¬μ≈“¥√∂ªî°Õ—æ≈¥≈ß√âÕ¬≈– 17.5 ·≈–√∂¬πμå‡æ◊ËÕ°“√æ“≥‘™¬å≈¥≈ß√âÕ¬≈– 20.8 ¢≥–∑’Ë

¬Õ¥¢“¬√∂¬πμåπ—Ëß à«π∫ÿ§§≈‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 1.4 ”À√—∫¬Õ¥ ‘π‡™◊ËÕ≈’ ´‘Ëß·≈–·ø§μÕ√‘Ëß°Áª√—∫μ—«≈¥≈ß‡™àπ‡¥’¬«°—π Õ—π‡ªìπº≈®“°

§«“¡μâÕß°“√‡§√◊ËÕß®—°√·≈–§«“¡μâÕß°“√‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π∑’Ë≈¥≈ß„πÕÿμ “À°√√¡À≈—°Ê „π°“√ àßÕÕ° §◊Õ Õÿμ “À°√√¡Õ‘‡≈Á§‚∑√π‘§

Õÿμ “À°√√¡‡§√◊ËÕß„™â‰øøÑ“ ·≈–Õÿμ “À°√√¡¬“π¬πμå·≈–™‘Èπ à«π¬“π¬πμå

º≈ª√–°Õ∫°“√ªï 2552 ”À√—∫º≈ª√–°Õ∫°“√¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ¡’ ‘π∑√—æ¬å√«¡®”π«π 12,569 ≈â“π∫“∑

‡ª√’¬∫‡∑’¬∫°—∫ªï 2551 ®”π«π 11,938 ≈â“π∫“∑§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 5.3 Õ—π‡ªìπº≈¡“®“°°“√‡μ‘∫‚μ¢ÕßæÕ√åμ ‘π‡™◊ËÕ

®“°°“√‡μ‘∫‚μ¢Õß∏ÿ√°‘® °”‰√ ÿ∑∏‘√«¡®“°°“√¥”‡π‘πß“π®”π«π 194 ≈â“π∫“∑‰¥â™à«¬≈¥¿“√–‡ß‘π°Ÿâ¬◊¡∑’Ë„™â„π°“√¢¬“¬ ‘π∑√—æ¬å¢Õß

∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬≈ß∫“ß à«π ”À√—∫ à«π¢ÕßºŸâ∂◊ÕÀÿâπ°Á¢¬“¬μ—«®“° 1,726 ≈â“π∫“∑„πªï 2551 ‡ªìπ 1,796 ≈â“π∫“∑„πªï 2552

À√◊Õ§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 4.0 ÷Ëß‡ªìπº≈¡“®“°°”‰√ ÿ∑∏‘∑’Ë‡æ‘Ë¡¢÷Èπ ∑“ß¥â“πÀπ’È ‘π√«¡‰¥â‡æ‘Ë¡¢÷Èπ®“° 10,211 ≈â“π∫“∑„πªï

2551 ‡ªìπ 10,773 ≈â“π∫“∑„πªï 2552 À√◊Õ§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 5.5 √“¬‰¥â√«¡‡æ‘Ë¡¢÷Èπ®“° 1,148 ≈â“π∫“∑„πªï 2551

‡ªìπ 1,194 ≈â“π∫“∑„πªï 2552 À√◊Õ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 4.0 §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ ”À√—∫ªï 2552 ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 4.6 ®“°®”π«π

357 ≈â“π∫“∑„πªï 2551 ‡ªìπ®”π«π 373 ≈â“π∫“∑ À√◊Õ§‘¥‡ªìπ√âÕ¬≈– 31.3 ¢Õß√“¬‰¥â√«¡„πªï 2552 ‡∑’¬∫°—∫√âÕ¬≈– 31.1 ¢Õß

√“¬‰¥â√«¡„πªï 2551 §à“„™â®à“¬∑“ß°“√‡ß‘π ”À√—∫ªï 2552 ≈¥≈ß√âÕ¬≈– 6.6 ®“°®”π«π 449 ≈â“π∫“∑„πªï 2551 ‡ªìπ®”π«π 419

≈â“π∫“∑„πªï 2552 À√◊Õ§‘¥‡ªìπ√âÕ¬≈– 35.1 ¢Õß√“¬‰¥â√«¡ „πªï 2552 ‡∑’¬∫°—∫√âÕ¬≈– 39.1 ¢Õß√“¬‰¥â√«¡„πªï 2551 °”‰√ ÿ∑∏‘

√«¡‡æ‘Ë¡¢÷Èπ®“° 179 ≈â“π∫“∑„πªï 2551 ‡ªìπ 194 ≈â“π∫“∑„πªï 2552 À√◊Õ§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 8.2 ”À√—∫Õ—μ√“°”‰√ ÿ∑∏‘

(Net Profit Margin) ·≈– Õ—μ√“º≈μÕ∫·∑πºŸâ∂◊ÕÀÿâπ (Return on Equity) „πªï 2552 Õ¬Ÿà∑’Ë√âÕ¬≈– 16.2 ·≈–√âÕ¬≈– 11.0 μ“¡≈”¥—∫

‡æ‘Ë¡¢÷Èπ‡≈Á°πâÕ¬‡¡◊ËÕ‡∑’¬∫°—∫√âÕ¬≈– 15.6 ·≈–√âÕ¬≈– 10.6 „πªï 2551 μ“¡≈”¥—∫

2√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

æÕ√åμ ‘π‡™◊ËÕ‡æ‘Ë¡¢÷Èπ®“° 11,820 ≈â“π∫“∑„πªï 2551 ‡ªìπ 12,267 ≈â“π∫“∑„πªï 2552 ®“°°“√¢¬“¬μ—«¢Õß°“√„Àâ ‘π‡™◊ËÕ

μ“¡°“√‡μ‘∫‚μ¢Õß∏ÿ√°‘® ∑—Èßπ’È ·¡â ¿“æ‡»√…∞°‘®∑’Ë™–≈Õμ—«®– àßº≈°√–∑∫„Àâ§«“¡ “¡“√∂„π°“√™”√–Àπ’È¢Õß≈Ÿ°§â“≈¥≈ß ·μà

—¥ à«π ‘π‡™◊ËÕ∑’Ë‰¡à°àÕ„Àâ‡°‘¥√“¬‰¥â (NPLs) ≈¥≈ß®“°√âÕ¬≈– 0.92 ¢ÕßæÕ√åμ ‘π‡™◊ËÕ√«¡ ≥ ‘Èπªï 2551 ‡ªìπ√âÕ¬≈– 0.75 ¢ÕßæÕ√åμ

‘π‡™◊ËÕ√«¡ ≥ ‘Èπªï 2552 ÷Ëß –∑âÕπ„Àâ‡ÀÁπ§ÿ≥¿“æ¢Õß ‘π∑√—æ¬å¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¬—ß§ßÕ¬Ÿà„π‡°≥±å∑’Ë¥’ ”À√—∫Õ—μ√“ à«π

§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ μàÕ ‘π‡™◊ËÕ∑’Ë‰¡à°àÕ„Àâ‡°‘¥√“¬‰¥â (NPLs) ‡∑à“°—∫√âÕ¬≈– 186.7 ≥ ‘Èπªï 2552 ‡æ‘Ë¡¢÷Èπ®“°√âÕ¬≈– 146.6

≥ ‘Èπªï 2551 –∑âÕπ∂÷ß§«“¡‡æ’¬ßæÕ¢Õß°“√μ—Èß ”√Õß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬

°“√°”°—∫¥Ÿ·≈°‘®°“√§≥–°√√¡°“√∫√‘…—∑μ√–Àπ—°∂÷ß§«“¡ ”§—≠¢Õß°“√°”°—∫¥Ÿ·≈°‘®°“√∑’Ë¥’ ‚¥¬‰¥â°”Àπ¥π‚¬∫“¬°“√°”°—∫¥Ÿ·≈°‘®°“√

¢Õß∫√‘…—∑ ‡æ◊ËÕ„Àâ°“√∫√‘À“√ß“π¢Õß∫√‘…—∑‡ªìπ‰ªÕ¬à“ß¡’ª√– ‘∑∏‘¿“æ·≈–ª√– ‘∑∏‘º≈ ¡’§«“¡‚ª√àß„ “¡“√∂μ√«® Õ∫‰¥â ·≈–

√â“ß§«“¡‡™◊ËÕ¡—Ëπμ≈Õ¥®πª√–‚¬™πå„π√–¬–¬“«μàÕºŸâ∂◊ÕÀÿâπ ºŸâ≈ß∑ÿπ ºŸâ¡’ à«π‰¥â‡ ’¬ ·≈–ºŸâ‡°’Ë¬«¢âÕß∑ÿ°ΩÉ“¬ √«¡∂÷ß§«“¡ “¡“√∂

„π°“√·¢àß¢—π·≈–°“√‡μ‘∫‚μÕ¬à“ß¬—Ëß¬◊π„π°“√¥”‡π‘π∏ÿ√°‘®¢Õß∫√‘…—∑

·π«‚πâ¡∏ÿ√°‘®·≈–°≈¬ÿ∑∏åªï 2553„πªï 2553 §“¥«à“‡»√…∞°‘®πà“®–°≈—∫¡“¢¬“¬μ—«‰¥â∑’Ë√âÕ¬≈– 3.5 - 4.5 μàÕªï ‚¥¬§“¥«à“‡»√…∞°‘®®–ª√—∫μ—«¥’¢÷Èπ„π™à«ß

§√÷Ëßªï·√°·≈–®–™–≈Õμ—«„π§√÷ËßªïÀ≈—ß ”À√—∫™à«ß§√÷Ëßªï·√°®–¡’°“√ª√—∫μ—«¥’¢÷Èπ®“°°“√øóôπμ—«∑“ß‡»√…∞°‘®®“°¬Õ¥°“√ àßÕÕ°

∑’Ëª√—∫μ—«‡æ‘Ë¡¢÷ÈπμàÕ‡π◊ËÕß®“°‰μ√¡“ ∑’Ë 4 ¢Õßªï 2552 Õ¬à“ß‰√°Áμ“¡ ”À√—∫„π§√÷ËßªïÀ≈—ßªí®®—¬∑’Ë¡’º≈°√–∑∫§◊Õ §«“¡‰¡à™—¥‡®π

„πøóôπμ—«¢Õß‡»√…∞°‘®‚≈° °“√‡æ‘Ë¡¢÷Èπ¢ÕßÕ—μ√“‡ß‘π‡øÑÕ, √“§“πÈ”¡—π ·≈–Õ—μ√“¥Õ°‡∫’È¬ ·≈–§«“¡‰¡à¡’‡ ∂’¬√¿“æ∑“ß°“√‡¡◊Õß

®–‡ªìπªí®®—¬≈∫μàÕ ¿“æ‡»√…∞°‘®¢Õß‰∑¬

„πªï 2553 ∏ÿ√°‘®‡™à“ ◊ÈÕ√∂¬πμå§“¥«à“πà“®–¢¬“¬μ—«‰¥âμ“¡°“√¢¬“¬μ—«¢ÕßÕÿμ “À°√√¡√∂¬πμå∑’Ë§“¥«à“®–¡’¬Õ¥¢“¬√∂¬πμå

‚¥¬√«¡ª√–¡“≥ 600,000 §—π À√◊Õª√—∫μ—«‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 9 ®“°ªï 2552 ”À√—∫∏ÿ√°‘®≈’ ´‘Ëß·≈–·ø§μÕ√‘Ëß§“¥«à“®–‡√‘Ë¡øóôπμ—«®“°

§«“¡μâÕß°“√„π°“√≈ß∑ÿπ„π‡§√◊ËÕß®—°√·≈–§«“¡μâÕß°“√„™â‡ß‘π≈ß∑ÿπ·≈–‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π ÷Ëß‡ªìπº≈ ◊∫‡π◊ËÕß®“°°“√ª√—∫μ—«¥’¢÷Èπ

¢Õß‡»√…∞°‘®‚≈°

°≈¬ÿ∑∏å¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬„πªï 2553 §◊Õ „Àâ∫√‘°“√¥â“π°“√‡ß‘π∑’Ë§√Õ∫§≈ÿ¡∂÷ß∏ÿ√°‘®‡™à“´◊ÈÕ ∏ÿ√°‘®≈’ ´‘Ëß ∏ÿ√°‘®·ø§μÕ√‘Ëß

·≈– ‘π‡™◊ËÕ ”À√—∫ºŸâ®—¥®”Àπà“¬√∂¬πμå „Àâ·°à≈Ÿ°§â“∑—Èß∫ÿ§§≈∏√√¡¥“·≈–π‘μ‘∫ÿ§§≈‚¥¬‡πâπ‡®â“¢Õß∏ÿ√°‘®¢π“¥‡≈Á°·≈–¢π“¥°≈“ß∑’Ë¡’

§ÿ≥ ¡∫—μ‘ Õ¥√—∫°—∫¡“μ√∞“π°“√„Àâ ‘π‡™◊ËÕ¢Õß∫√‘…—∑ ”À√—∫°≈¬ÿ∑∏å°“√·¢àß¢—π ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬®–‡πâπ„π°“√∫√‘°“√∑’Ë¡’§ÿ≥¿“æ

√«¥‡√Á« ·≈–¬◊¥À¬ÿàπ ‡æ◊ËÕ √â“ß§«“¡·μ°μà“ß ”À√—∫°≈ÿà¡≈Ÿ°§â“„πμ≈“¥‡©æ“– (Niche Segments)

ÿ¥∑â“¬π’È §≥–°√√¡°“√∫√‘…—∑¢Õ¢Õ∫§ÿ≥∑à“πºŸâ∂◊ÕÀÿâπ ≈Ÿ°§â“ √«¡∂÷ß‡®â“Àπ’È·≈–æπ—°ß“π∑ÿ°∑à“π∑’Ë√à«¡°—π π—∫ πÿπ·≈–

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3

√“¬ß“π§≥–°√√¡°“√μ√«® Õ∫

‡√’¬π ∑à“πºŸâ∂◊ÕÀÿâπ§≥–°√√¡°“√μ√«® Õ∫ ∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ª√–°Õ∫¥â«¬°√√¡°“√Õ‘ √–∑’Ë‰¡à¡’ à«π√à«¡„π°“√

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1. π“¬ª√–¥‘…∞ »«— μπ“ππ∑å ª√–∏“π°√√¡°“√μ√«® Õ∫·≈–°√√¡°“√Õ‘ √–

2. π“¬Õπ—πμå »«— μπ“ππ∑å °√√¡°“√μ√«® Õ∫·≈–°√√¡°“√Õ‘ √–

3. √Õß»“ μ√“®“√¬å ¥√. ÿª√’¬“ §«√‡¥™–§ÿªμå °√√¡°“√μ√«® Õ∫·≈–°√√¡°“√Õ‘ √–

4. π“¬‡°…¡ Õ“§‡π¬å ÿ«√√≥ °√√¡°“√μ√«® Õ∫·≈–°√√¡°“√Õ‘ √–

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1. π“¬ª√–¥‘…∞ »«— μπ“ππ∑å 5/5

2. π“¬Õπ—πμå »«— μπ“ππ∑å 5/5

3. √Õß»“ μ√“®“√¬å ¥√. ÿª√’¬“ §«√‡¥™–§ÿªμå 4/5

4. π“¬‡°…¡ Õ“§‡π¬å ÿ«√√≥ 4/4*

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μ√«® Õ∫¡’§«“¡‡ÀÁπ«à“ √“¬ß“π∑“ß°“√‡ß‘π¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’§«“¡∂Ÿ°μâÕß ‡™◊ËÕ∂◊Õ‰¥â ¡’°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈

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2. Õ∫∑“π°“√∫√‘À“√§«“¡‡ ’Ë¬ß¢Õß∫√‘…—∑‡ªìπ√“¬‰μ√¡“ ‚¥¬√—∫∑√“∫√“¬ß“π®“°§≥–°√√¡°“√∫√‘À“√§«“¡‡ ’Ë¬ß ÷Ëß

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πÕ°®“°π’È¬—ß‰¥âÀ“√◊Õ°—∫ΩÉ“¬®—¥°“√∑’Ë‡°’Ë¬«¢âÕß ‡æ◊ËÕ„Àâ√–∫∫°“√∫√‘À“√§«“¡‡ ’Ë¬ß¡’ª√– ‘∑∏‘º≈¬‘Ëß¢÷Èπ

3. Õ∫∑“π√–∫∫°“√§«∫§ÿ¡¿“¬„π √à«¡°—∫ºŸâμ√«® Õ∫¿“¬„π ·≈–ºŸâ Õ∫∫—≠™’ ‡æ◊ËÕª√–‡¡‘πª√– ‘∑∏‘º≈·≈–§«“¡‡æ’¬ßæÕ

¢Õß√–∫∫§«∫§ÿ¡¿“¬„π¢Õß∫√‘…—∑ πÕ°®“°π’È§≥–°√√¡°“√μ√«® Õ∫‰¥âæ‘®“√≥“°“√ª√–‡¡‘π√–∫∫°“√§«∫§ÿ¡¿“¬„π

ª√–®”ªï¢Õß∫√‘…—∑ ‚¥¬∑∫∑«π®“°·∫∫ª√–‡¡‘π§«“¡‡æ’¬ßæÕ¢Õß√–∫∫°“√§«∫§ÿ¡¿“¬„π μ“¡·π«∑“ß∑’Ë ”π—°ß“π

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4√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

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μ≈“¥À≈—°∑√—æ¬å ·≈–¡’§«“¡‡ÀÁπ«à“∫√‘…—∑‰¥â¥”‡π‘π°“√μ“¡‡ß◊ËÕπ‰¢∑“ß∏ÿ√°‘®ª°μ‘ μ“¡À≈—°‡°≥±å∑’Ë°”Àπ¥ ¡‡Àμÿ ¡º≈

·≈–‡ªìπª√–‚¬™πå Ÿß ÿ¥μàÕ∫√‘…—∑

6. æ‘®“√≥“§—¥‡≈◊Õ° ‡ πÕ·μàßμ—Èß √«¡∂÷ßæ‘®“√≥“‡ πÕ§à“μÕ∫·∑π¢ÕßºŸâ Õ∫∫—≠™’μàÕ§≥–°√√¡°“√∫√‘…—∑‡æ◊ËÕ‡ πÕμàÕ∑’Ëª√–™ÿ¡

ºŸâ∂◊ÕÀÿâπ ∑—Èßπ’È§≥–°√√¡°“√μ√«® Õ∫‰¥âæ‘®“√≥“§—¥‡≈◊Õ°ºŸâ Õ∫∫—≠™’®“°∫√‘…—∑ ”π—°ß“π ‡Õ‘π å∑ ·Õπ¥å ¬—ß ®”°—¥ ‡ªìπ

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7. æ‘®“√≥“Õπÿ¡—μ‘·ºπß“πμ√«® Õ∫¿“¬„πª√–®”ªï 2553 ¢ÕßΩÉ“¬μ√«® Õ∫¿“¬„π ∑’Ë‰¥â®—¥∑”¢÷Èπ®“°°“√ª√–‡¡‘π§«“¡‡ ’Ë¬ß

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¢âÕ‡ πÕ·π–·≈–μ‘¥μ“¡°“√¥”‡π‘π°“√·°â‰¢μ“¡√“¬ß“πº≈°“√μ√«® Õ∫„πª√–‡¥Áπ∑’Ë¡’π—¬ ”§—≠ ‡æ◊ËÕ àß‡ √‘¡„Àâ¡’

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8. √—∫∑√“∫º≈°“√μ√«® Õ∫¢ÕßºŸâμ√«® Õ∫®“°°≈ÿà¡‰™≈’ ´÷Ëß‡ªìπºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑ ·≈–μ‘¥μ“¡°“√·°â‰¢ª√—∫ª√ÿßμ“¡

¢âÕ‡ πÕ·π–®“°°“√μ√«® Õ∫∑’Ë ”§—≠

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‡¢μ “∑√ °√ÿß‡∑æœ 10120‚∑√»—æ∑å 0-2679-6226, 0-2679-6262 ‚∑√ “√ 0-2679-6241-3 “¢“√–¬Õß ‡≈¢∑’Ë 6, 8 »Ÿπ¬å°“√§â“√–¬Õß ∂ππ ÿ¢ÿ¡«‘∑ μ”∫≈∑à“ª√–¥Ÿà Õ”‡¿Õ‡¡◊Õß®—ßÀ«—¥√–¬Õß 21000‚∑√»—æ∑å 0-3861-2185, 0-3861-7380, 0-3886-0153-5 ‚∑√ “√ 0-3886-0156 “¢“ ¡ÿ∑√ “§√ ™—Èπ 6 Õ“§“√ ‡Õ ∑’ ∑“«‡«Õ√å ‡≈¢∑’Ë 923/55 ∂ππ‡Õ°™—¬ μ”∫≈¡À“™—¬Õ”‡¿Õ‡¡◊Õß ®—ßÀ«—¥ ¡ÿ∑√ “§√ 74000‚∑√»—æ∑å 0-3442-6923-33 ‚∑√ “√ 0-3483-7331 “¢“æ‘…≥ÿ‚≈° ‡≈¢∑’Ë 9/7-9 À¡Ÿà 5 ∂ππ ‘ßÀ«—≤πå μ”∫≈∫â“π§≈Õß Õ”‡¿Õ‡¡◊Õß®—ßÀ«—¥æ‘…≥ÿ‚≈° 65000‚∑√»—æ∑å 0-5521-6566 ‚∑√ “√ 0-5528-2630

Homepage : www.ask.co.th‡≈¢∑–‡∫’¬π∫√‘…—∑ : ∑–‡∫’¬π‡≈¢∑’Ë 0107546000393ª√–‡¿∑∏ÿ√°‘® : ª√–°Õ∫∏ÿ√°‘®„Àâ∫√‘°“√ ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πμå∑ÿ°ª√–‡¿∑·≈–∫√‘°“√ ‘π‡™◊ËÕ à«π∫ÿ§§≈®”π«π·≈–™π‘¥¢ÕßÀÿâπ∑’Ë : Àÿâπ “¡—≠ 230,000,000 Àÿâπ (≥ «—π∑’Ë 31 ∏—π«“§¡ 2552)ÕÕ°·≈–®”Àπà“¬‰¥â·≈â«∑—ÈßÀ¡¥¡Ÿ≈§à“∑’Ëμ√“‰«â : 5 ∫“∑μàÕÀÿâπ¢âÕ¡Ÿ≈Õ—π¥—∫‡§√¥‘μ : BBB+ ·π«‚πâ¡Õ—π¥—∫‡§√¥‘μ §ß∑’Ë (®—¥Õ—π¥—∫‡§√¥‘μ‚¥¬ ∫√‘…—∑ ∑√‘ ‡√∑μ‘Èß ®”°—¥

‡¡◊ËÕ 5 μÿ≈“§¡ 2552)

¢âÕ¡Ÿ≈°“√≈ß∑ÿπ¢Õß∫√‘…—∑™◊ËÕ∫√‘…—∑ : ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) ∂“π∑’Ëμ—Èß : ™—Èπ∑’Ë 10/1 Õ“§“√ “∏√ ‘μ’È∑“«‡«Õ√å ‡≈¢∑’Ë 175 ∂ππ “∑√„μâ ·¢«ß∑ÿàß¡À“‡¡¶

‡¢μ “∑√ °√ÿß‡∑æœ 10120‚∑√»—æ∑å 0-2679-6226, 0-2679-6262 ‚∑√ “√ 0-2679-6241-3

ª√–‡¿∑∏ÿ√°‘® : ª√–°Õ∫∏ÿ√°‘®„Àâ∫√‘°“√ ‘π‡™◊ËÕ≈’ ´‘Ëß ‘π‡™◊ËÕ‡™à“´◊ÈÕ ·≈– ‘π‡™◊ËÕ·ø§μÕ√‘Ëß ‡§√◊ËÕß®—°√·≈–¬“πæ“Àπ–

®”π«π·≈–™π‘¥¢ÕßÀÿâπ∑’Ë : ®”π«πÀÿâπ “¡—≠ 43,850,000 Àÿâπ (≥ «—π∑’Ë 31 ∏—π«“§¡ 2552)ÕÕ°·≈–®”Àπà“¬‰¥â·≈â«∑—ÈßÀ¡¥¡Ÿ≈§à“∑’Ëμ√“‰«â : 10 ∫“∑μàÕÀÿâπ

¢âÕ¡Ÿ≈Õâ“ßÕ‘ß‡≈¢“πÿ°“√∫√‘…—∑ : ∫√‘…—∑ «’√–«ß§å, ™‘π«—≤πå ·≈–‡æ’¬ßæπÕ ®”°—¥ ∂“π∑’Ëμ—Èß : ™—Èπ 22 Õ“§“√‡¡Õ√å§‘«√’Ë ∑“«‡«Õ√å ‡≈¢∑’Ë 540 ∂ππ‡æ≈‘π®‘μ ·¢«ß≈ÿ¡æ‘π’

‡¢μª∑ÿ¡«—π °√ÿß‡∑æœ 10330‚∑√»—æ∑å : 0-2264-8000 ‚∑√ “√: 0-2657-2222

π“¬∑–‡∫’¬πÀ≈—°∑√—æ¬å : ∫√‘…—∑ »Ÿπ¬å√—∫Ω“°À≈—°∑√—æ¬å (ª√–‡∑»‰∑¬) ®”°—¥ ∂“π∑’Ëμ—Èß : ™—Èπ 4, 7 Õ“§“√μ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ ‡≈¢∑’Ë 62 ∂ππ√—™¥“¿‘‡…° ·¢«ß§≈Õß‡μ¬

‡¢μ§≈Õß‡μ¬ °√ÿß‡∑æœ 10110‚∑√»—æ∑å : 0-2229-2800 ‚∑√ “√ : 0-2359-1259

ºŸâ Õ∫∫—≠™’ : ∫√‘…—∑ ”π—°ß“π ‡Õ‘π å∑ ·Õπ¥å ¬—ß ®”°—¥ ∂“π∑’Ëμ—Èß : ™—Èπ 33 Õ“§“√‡≈§√—™¥“ ‡≈¢∑’Ë 193/136-137 ∂ππ√—™¥“¿‘‡…° ‡¢μ§≈Õß‡μ¬

°√ÿß‡∑æœ 10110‚∑√»—æ∑å : 0-2264-0777 ‚∑√ “√ : 0-2264-0789-90

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

7

¢âÕ¡Ÿ≈∑“ß°“√‡ß‘π‚¥¬ √ÿª

2552 2551 2550

‘π∑√—æ¬å (≈â“π∫“∑)

‘π∑√—æ¬å√«¡ 12,569.20 11,937.70 10,865.60

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“ ◊ÈÕ - ÿ∑∏‘ 10,821.35 10,119.60 9,108.27

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π - ÿ∑∏‘ 613.41 722.95 676.26

≈Ÿ°Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ 632.28 790.90 773.61

Àπ’È ‘π·≈– à«π¢ÕßºŸâ∂◊ÕÀÿâπ (≈â“π∫“∑)

Àπ’È ‘π√«¡ 10,773.48 10,211.42 9,203.24

à«π¢ÕßºŸâ∂◊ÕÀÿâπ 1,795.72 1,726.28 1,662.36

º≈°“√¥”‡π‘πß“π (≈â“π∫“∑)

√“¬‰¥â√«¡ 1,193.80 1,147.74 1,051.42

√“¬‰¥â®“°¥Õ°º≈‡™à“ ◊ÈÕ 916.43 842.57 779.63

√“¬‰¥âμ“¡ —≠≠“≈’ ‘Ëß 65.26 71.53 65.53

√“¬‰¥â®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 50.77 68.51 52.69

§à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ 373.38 357.09 311.08

Àπ’È Ÿ≠·≈–Àπ’È ß —¬®– Ÿ≠ 113.85 70.63 85.05

§à“„™â®à“¬∑“ß°“√‡ß‘π 419.04 448.58 439.57

°”‰√ ÿ∑∏‘À≈—ß¿“…’ 193.63 178.92 166.38

Õ—μ√“ à«π· ¥ß§«“¡ “¡“√∂„π°“√À“°”‰√

Õ—μ√“¥Õ°‡∫’È¬√—∫ 1/ (%) 8.72 8.87 9.13

Õ—μ√“¥Õ°‡∫’È¬®à“¬ 1/ (%) 4.10 4.74 5.27

à«πμà“ßÕ—μ√“¥Õ°‡∫’È¬ (%) 4.62 4.13 3.86

Õ—μ√“°”‰√ ÿ∑∏‘ (%) 16.22 15.60 15.82

Õ—μ√“º≈μÕ∫·∑πºŸâ∂◊ÕÀÿâπ (%) 11.00 10.56 10.27

°”‰√ ÿ∑∏‘μàÕÀÿâπ (∫“∑/Àÿâπ) 0.84 0.78 0.72

¡Ÿ≈§à“∑“ß∫—≠™’μàÕÀÿâπ (∫“∑/Àÿâπ) 7.81 7.51 7.23

Õ—μ√“°“√®à“¬‡ß‘πªíπº≈ (%) 69.42 69.12 67.89

Õ—μ√“‡ß‘πªíπº≈μàÕÀÿâπ (∫“∑/Àÿâπ) 0.54 0.50 0.35

Õ—μ√“ à«π· ¥ßª√– ‘∑∏‘¿“æ„π°“√¥”‡π‘πß“π

Õ—μ√“º≈μÕ∫·∑π®“° ‘π∑√—æ¬å (%) 1.58 1.57 1.64

Õ—μ√“°“√À¡ÿπ¢Õß ‘π∑√—æ¬å (‡∑à“) 0.10 0.10 0.10

Õ—μ√“ à«π«‘‡§√“–Àåπ‚¬∫“¬∑“ß°“√‡ß‘π

Õ—μ√“ à«πÀπ’È ‘πμàÕ à«π¢ÕßºŸâ∂◊ÕÀÿâπ (‡∑à“) 6.00 5.92 5.54

Õ—μ√“ à«π‡ß‘π„Àâ°ŸâμàÕ‡ß‘π°Ÿâ (‡∑à“) 1.18 1.19 1.20

Õ—μ√“ à«π‡ß‘π„Àâ ‘π‡™◊ËÕ∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥âμàÕ ‘π‡™◊ËÕ√«¡ (%) 0.75 0.92 0.77

∑’Ë¡“ : ß∫°“√‡ß‘π√«¡¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) μ√«® Õ∫‚¥¬ºŸâ Õ∫∫—≠™’ ”À√—∫ªï 2550-ªï 2552

À¡“¬‡Àμÿ 1/ ¥Õ°‡∫’È¬√—∫‡ªìπÕ—μ√“ Effective Rate ·≈– ¥Õ°‡∫’È¬®à“¬√«¡§à“∏√√¡‡π’¬¡°“√Õ“«—≈·≈–°“√§È”ª√–°—π‡ß‘π°Ÿâ

8√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

8√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

9

10√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

°“√ª√–™ÿ¡„À≠à “¡—≠ª√–®”ªïºŸâ∂◊ÕÀÿâπ §√—Èß∑’Ë 25/2552°“√ª√–™ÿ¡„À≠à “¡—≠ª√–®”ªïºŸâ∂◊ÕÀÿâπ §√—Èß∑’Ë 25/2552

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

11

¿“æ√«¡°“√ª√–°Õ∫∏ÿ√°‘®

∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) (ç∫√‘…—∑é) °àÕμ—Èß¢÷Èπ„πªï 2527 ‚¥¬°≈ÿà¡∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) ‡æ◊ËÕ

¥”‡π‘π∏ÿ√°‘®‡™à“´◊ÈÕ√∂¬πμå∑ÿ°ª√–‡¿∑ ‚¥¬„Àâ∫√‘°“√ ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πμå„À¡à∑—ÈßÀ¡¥·°à≈Ÿ°§â“„π‡¢μ°√ÿß‡∑æœ ·≈–ª√‘¡≥±≈ μàÕ¡“

¿“¬À≈—ß∫√‘…—∑‰¥â¢¬“¬∏ÿ√°‘®‡¢â“ Ÿà°“√„Àâ∫√‘°“√‡™à“ ◊ÈÕ√∂¬πμå„™â·≈â« ‘π‡™◊ËÕ à«π∫ÿ§§≈ ‘π‡™◊ËÕ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå ·≈–„Àâ∫√‘°“√

¥â“πÕ◊ËπÊ ‡™àπ ∫√‘°“√®¥∑–‡∫’¬π·≈–μàÕ¿“…’∑–‡∫’¬π√∂¬πμå ∫√‘°“√¥â“πª√–°—π¿—¬ ‡ªìπμâπ ªí®®ÿ∫—π∫√‘…—∑¡’ “¢“ 3 “¢“ μ—ÈßÕ¬Ÿà∑’Ë

®—ßÀ«—¥√–¬Õß ®—ßÀ«—¥ ¡ÿ∑√ “§√ ·≈–®—ßÀ«—¥æ‘…≥ÿ‚≈°

∫√‘…—∑¡’∫√‘…—∑¬àÕ¬ 1 ·Ààß §◊Õ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π) (ç∫√‘…—∑¬àÕ¬é) ”À√—∫∫√‘…—∑ °√ÿß‡∑æ

·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) π—Èπ °àÕπª√—∫‚§√ß √â“ß°≈ÿà¡∫√‘…—∑„π‡¥◊Õπæƒ…¿“§¡ 2547 ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’

®”°—¥ (¡À“™π) ‡ªìπºŸâ∂◊ÕÀÿâπ„À≠à „π∫√‘…—∑ ‚¥¬∂◊ÕÀÿâπ√âÕ¬≈– 99.99 μàÕ¡“‡¡◊ËÕ∫√‘…—∑¡’·ºπ‡¢â“®¥∑–‡∫’¬π„πμ≈“¥À≈—°∑√—æ¬å

·Ààßª√–‡∑»‰∑¬ °≈ÿà¡ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π) ‰¥â¥”‡π‘π°“√ª√—∫‚§√ß √â“ß°“√∂◊ÕÀÿâπ‚¥¬‡¢â“

∂◊ÕÀÿâπ‚¥¬μ√ß„π∫√‘…—∑·≈–¥”‡π‘π°“√„Àâ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π) ‡¢â“‡ªìπ∫√‘…—∑¬àÕ¬¢Õß∫√‘…—∑

‚§√ß √â“ß·≈–°“√¥”‡π‘πß“π¢Õß°≈ÿà¡∫√‘…—∑

∫√‘…—∑ ∫√‘…—∑¬àÕ¬

∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 99.99% ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π)*

- ‘π‡™◊ËÕ‡™à“ ◊ÈÕ√∂¬πμå∑ÿ°ª√–‡¿∑ - ‘π‡™◊ËÕ≈’ ´‘Ëß‡§√◊ËÕß®—°√·≈–¬“πæ“Àπ–

- ‘π‡™◊ËÕ à«π∫ÿ§§≈ 99% - ‘π‡™◊ËÕ‡™à“™◊ÈÕ‡§√◊ËÕß®—°√·≈–¬“πæ“Àπ–

- ‘π‡™◊ËÕ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå → - ‘π‡™◊ËÕ·ø§μÕ√‘Ëß¿“¬„πª√–‡∑»

- ∫√‘°“√®¥∑–‡∫’¬π·≈–μàÕ¿“…’∑–‡∫’¬π√∂¬πμå - ‘π‡™◊ËÕ·ø§μÕ√‘Ëß√–À«à“ßª√–‡∑»

·≈–∫√‘°“√¥â“πª√–°—π¿—¬ - ∫√‘°“√¥â“πª√–°—π¿—¬

À¡“¬‡Àμÿ *∫√‘…—∑‡¢â“∂◊ÕÀÿâπ„π ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) ‡¡◊ËÕ‡¥◊Õπæƒ…¿“§¡ 2547

°“√ª√–°Õ∫∏ÿ√°‘®¢Õß·μà≈– “¬º≈‘μ¿—≥±å°≈ÿà¡∫√‘…—∑¥”‡π‘π∏ÿ√°‘®À≈—° 4 ª√–‡¿∑ ‰¥â·°à 1) ∏ÿ√°‘® ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πμå 2) ∏ÿ√°‘® ‘π‡™◊ËÕ≈’ ´‘Ëß/ ‡™à“´◊ÈÕ ‡§√◊ËÕß®—°√

·≈–¬“πæ“Àπ– 3) ∏ÿ√°‘®·ø§μÕ√‘Ëß¿“¬„πª√–‡∑»·≈–·ø§μÕ√‘Ëß√–À«à“ßª√–‡∑» ·≈– 4) ∫√‘°“√Õ◊ËπÊ ‰¥â·°à ∫√‘°“√ ‘π‡™◊ËÕ à«π∫ÿ§§≈

‘π‡™◊ËÕ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå ∫√‘°“√¥â“πª√–°—π¿—¬ ∫√‘°“√®¥∑–‡∫’¬π·≈–μàÕ¿“…’√∂¬πμå ‚¥¬¡’√“¬≈–‡Õ’¬¥¥—ßπ’È

1. ∏ÿ√°‘®°“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ‡™à“ ◊ÈÕ√∂¬πμå

∫√‘…—∑‡ªìπºŸâ¥”‡π‘π∏ÿ√°‘®„Àâ∫√‘°“√ ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πμå ‚¥¬„Àâ∫√‘°“√·°à°≈ÿà¡≈Ÿ°§â“∫ÿ§§≈∏√√¡¥“‡ªìπÀ≈—° ∑—Èß∑’Ë‡ªìπ

√∂¬πμå„À¡à·≈–√∂¬πμå„™â·≈â« ´÷Ëß‰¥â·°à √∂¬πμåπ—Ëß à«π∫ÿ§§≈ ·≈–√∂¬πμå‡æ◊ËÕ°“√æ“≥‘™¬å ‡™àπ √∂°√–∫– √∂μŸâ √∂∫√√∑ÿ°

·≈–√∂·∑Á°´’Ë ‡ªìπμâπ °≈ÿà¡≈Ÿ°§â“ à«π„À≠àÕ¬Ÿà„π‡¢μ°√ÿß‡∑æœ ·≈–ª√‘¡≥±≈ √Õß≈ß¡“‡ªìπ°≈ÿà¡≈Ÿ°§â“∑’ËÕ¬Ÿà„π‡¢μ ¿“§°≈“ß

·≈–¿“§μ–«—πÕÕ° ∫√‘…—∑‡ªìπ ¡“™‘°¢Õß ¡“§¡∏ÿ√°‘®‡™à“´◊ÈÕ‰∑¬·≈–‡ªìπºŸâ√à«¡°àÕμ—Èß ¡“§¡œ ‚¥¬¡’ºŸâ∫√‘À“√¢Õß∫√‘…—∑

∑à“πÀπ÷Ëß‡ªìπ°√√¡°“√ πÕ°®“°π’È ∫√‘…—∑¬—ß‡ªìπ ¡“™‘°¢Õß∫√‘…—∑ ¢âÕ¡Ÿ≈‡§√¥‘μ·Ààß™“μ‘ ®”°—¥ (National Credit Burea

Co.,Ltd.)

≈—°…≥–°“√ª√–°Õ∫∏ÿ√°‘®

12√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

2. ∏ÿ√°‘®°“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ≈’ ´‘Ëß / ‡™à“ ◊ÈÕ‡§√◊ËÕß®—°√·≈–¬“πæ“Àπ–

∫√‘…—∑¬àÕ¬‡√‘Ë¡¥”‡π‘π∏ÿ√°‘®„Àâ∫√‘°“√ ‘π‡™◊ËÕ≈’ ´‘Ëß ·≈– ‘π‡™◊ËÕ‡™à“ ◊ÈÕμ—Èß·μàªï 2532 ‚¥¬„Àâ∫√‘°“√·°à°≈ÿà¡≈Ÿ°§â“

π‘μ‘∫ÿ§§≈‡ªìπÀ≈—° ”À√—∫ ‘π‡™◊ËÕ≈’ ´‘Ëß∑’Ë„Àâ∫√‘°“√π—Èπª√–°Õ∫¥â«¬ —≠≠“‡™à“°“√‡ß‘π·≈– —≠≠“‡™à“¥”‡π‘πß“π °≈ÿà¡≈Ÿ°§â“¢Õß

∫√‘…—∑¬àÕ¬ à«π„À≠à‡ªìπºŸâª√–°Õ∫°“√∑’Ëμ—ÈßÕ¬Ÿà „π‡¢μ°√ÿß‡∑æœ ·≈–ª√‘¡≥±≈ ‚¥¬∫√‘…—∑¬àÕ¬‡πâπ„Àâ∫√‘°“√·°à°≈ÿà¡

Õÿμ “À°√√¡¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡∑’Ë¡’»—°¬¿“æ„π°“√∑”°”‰√·≈–°“√‡μ‘∫‚μ ‡™àπ Õÿμ “À°√√¡‡§√◊ËÕß„™â‰øøÑ“ Õÿμ “À°√√¡

‘Ëßæ‘¡æå ·≈–Õÿμ “À°√√¡‡§¡’¿—≥±å·≈–æ≈“ μ‘° ‡ªìπμâπ ∑√—æ¬å ‘π∑’Ë∫√‘…—∑¬àÕ¬„Àâ ‘π‡™◊ËÕ §◊Õ ‡§√◊ËÕß®—°√ Õÿª°√≥å ¬“πæ“Àπ–

∑—Èß∑’Ë‡ªìπ‡§√◊ËÕß®—°√„À¡à ·≈–‡§√◊ËÕß®—°√„™â·≈â« ‚¥¬‡πâπ‡©æ“–‡§√◊ËÕß®—°√∑’Ë°“√‡ª≈’Ë¬π·ª≈ß∑“ß‡∑§‚π‚≈¬’‰¡à√«¥‡√Á«π—° ¡’§«“¡

§ß∑π ¡’Õ“¬ÿ°“√„™âß“ππ“π ·≈–¡’ ¿“æ§≈àÕß Ÿß À√◊Õ ¬“πæ“Àπ–ª√–‡¿∑μà“ßÊ ∑—Èß√∂¬πμå„À¡à ·≈–√∂¬πμå„™â·≈â« ‰¥â·°à

√∂°√–∫– √∂μŸâ ·≈–√∂∫√√∑ÿ° ‡ªìπμâπ ªí®®ÿ∫—π ∫√‘…—∑¬àÕ¬‡ªìπ ¡“™‘°¢Õß ¡“§¡≈’ ´‘Ëß·Ààßª√–‡∑»‰∑¬

3. ∏ÿ√°‘®°“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß

”À√—∫∏ÿ√°‘®°“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß ∫√‘…—∑¬àÕ¬‡√‘Ë¡„Àâ∫√‘°“√μ—Èß·μàªï 2542 °≈ÿà¡≈Ÿ°§â“ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß

à«π„À≠à‡ªìπºŸâª√–°Õ∫°“√¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡∑’Ë¡’§«“¡μâÕß°“√‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π√–¬– —Èπ ·≈–ª√–°Õ∫∏ÿ√°‘®„π

Õÿμ “À°√√¡∑’Ë¡’·π«‚πâ¡°“√‡μ‘∫‚μ¥’ ¡’º≈ª√–°Õ∫°“√¥’ ¡’∞“π–°“√‡ß‘π¡—Ëπ§ß ·≈–¡’§«“¡ “¡“√∂„π°“√ºàÕπ™”√–Àπ’È‰¥â

μ“¡°”Àπ¥ °≈ÿà¡≈Ÿ°§â“‡ªÑ“À¡“¬¢Õß∫√‘…—∑¬àÕ¬ ”À√—∫∫√‘°“√ª√–‡¿∑π’È ‰¥â·°à ºŸâª√–°Õ∫°“√„πÕÿμ “À°√√¡‡§√◊ËÕß„™â‰øøÑ“

Õÿμ “À°√√¡‡§¡’¿—≥±å·≈–æ≈“ μ‘° ·≈–Õÿμ “À°√√¡‡§√◊ËÕß¡◊Õ·≈–‡§√◊ËÕß®—°√ ‡ªìπμâπ ≈—°…≥–°“√„Àâ∫√‘°“√¢Õß ‘π‡™◊ËÕ

·ø§μÕ√‘Ëß ®”·π°‰¥â‡ªìπ 2 √Ÿª·∫∫„À≠àÊ ‰¥â·°à ‘π‡™◊ËÕ·ø§μÕ√‘Ëß¿“¬„πª√–‡∑» (Domestic Factoring) ´÷Ëß‡ªìπ°“√√—∫´◊ÈÕ

‘∑∏‘‡√’¬°√âÕß„π°“√√—∫‡ß‘π®“°≈Ÿ°Àπ’È°“√§â“¢ÕßºŸâ¢“¬ ‘π§â“·≈–∫√‘°“√∑’Ë¡’§Ÿà§â“ (ºŸâ´◊ÈÕ) Õ¬Ÿà¿“¬„πª√–‡∑» °≈ÿà¡≈Ÿ°§â“ à«π„À≠à

‡ªìπºŸâª√–°Õ∫∏ÿ√°‘®¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡„πª√–‡∑» ·≈– ‘π‡™◊ËÕ·ø§μÕ√‘Ëß√–À«à“ßª√–‡∑» (International Factoring)

´÷Ëß‡ªìπ°“√√—∫´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’È°“√§â“®“°ºŸâ¢“¬ ‘π§â“·≈–∫√‘°“√∑’Ë¡’§Ÿà§â“ (ºŸâ´◊ÈÕ) Õ¬Ÿà„πμà“ßª√–‡∑» ∑—Èßπ’È ‘π‡™◊ËÕ

·ø§μÕ√‘Ëß√–À«à“ßª√–‡∑»·∫àßÕÕ°‡ªìπ 2 ª√–‡¿∑À≈—° §◊Õ

- ‘π‡™◊ËÕ·ø§μÕ√‘Ëß‡æ◊ËÕ°“√π”‡¢â“ (Import Factoring)

∫√‘…—∑¬àÕ¬„Àâ∫√‘°“√°“√§È”ª√–°—π§«“¡ “¡“√∂„π°“√™”√–‡ß‘π¢ÕßºŸâ´◊ÈÕ (ºŸâπ”‡¢â“) μàÕºŸâ¢“¬∑’ËÕ¬Ÿàμà“ßª√–‡∑»À“°ºŸâπ”‡¢â“‰¡à “¡“√∂™”√–‡ß‘π§à“ ‘π§â“·≈–∫√‘°“√¿“¬À≈—ß®“°§√∫°”Àπ¥™”√– 90 «—π ∫√‘…—∑¬àÕ¬„π∞“π–ºŸâ§È”

ª√–°—πμâÕß™”√–‡ß‘π§à“ ‘π§â“·≈–∫√‘°“√·∑π ‚¥¬∫√‘…—∑¬àÕ¬®–∑”°“√‰≈à‡∫’È¬®“°ºŸâ´◊ÈÕ (ºŸâπ”‡¢â“) À√◊ÕºŸâ§È”ª√–°—π¢ÕßºŸâ´◊ÈÕμàÕ‰ª „π°√≥’∑’Ë¬—ß¡’¢âÕ‚μâ·¬âß√–À«à“ßºŸâ´◊ÈÕ·≈–ºŸâ¢“¬ ∫√‘…—∑¬àÕ¬‰¡àμâÕß√—∫º‘¥™Õ∫™”√–‡ß‘π§à“ ‘π§â“·≈–∫√‘°“√®π°«à“¢âÕ‚μâ·¬âß¥—ß°≈à“«®–À¡¥‰ª

- ‘π‡™◊ËÕ·ø§μÕ√‘Ëß‡æ◊ËÕ°“√ àßÕÕ° (Export Factoring)

∫√‘…—∑¬àÕ¬‡ªìπμ—«°≈“ß„π°“√μ‘¥μàÕª√– “πß“π°—∫ºŸâ„Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß‡æ◊ËÕ°“√π”‡¢â“¢ÕßºŸâπ”‡¢â“

∑’ËÕ¬Ÿàμà“ßª√–‡∑» ÷Ëß‡ªìπ∫√‘…—∑§Ÿà§â“¢ÕßºŸâ àßÕÕ°„πª√–‡∑» æ√âÕ¡∫√‘°“√μ√«® Õ∫∞“π–¢ÕßºŸâπ”‡¢â“„πμà“ßª√–‡∑»ºà“πºŸâ „Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß‡æ◊ËÕ°“√π”‡¢â“ ·≈–√—∫ª√–°—πÀπ’È‰¡à Ÿ≠μàÕºŸâ àßÕÕ° À“°ºŸâπ”‡¢â“„πμà“ßª√–‡∑»‰¡à “¡“√∂™”√–‡ß‘π§à“ ‘π§â“·≈–∫√‘°“√¿“¬À≈—ß®“°§√∫°”Àπ¥™”√– 90 «—π ºŸâ„Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß‡æ◊ËÕ°“√

π”‡¢â“¢ÕßºŸâπ”‡¢â“∑’ËÕ¬Ÿàμà“ßª√–‡∑»®–™”√–‡ß‘π§à“ ‘π§â“·≈–∫√‘°“√„Àâ∫√‘…—∑¬àÕ¬·∑π ‡æ◊ËÕπ”‰ª™”√–§à“ ‘π§â“·≈–∫√‘°“√„Àâ°—∫ºŸâ àßÕÕ°μàÕ‰ª

ªí®®ÿ∫—π∫√‘…—∑¬àÕ¬‡ªìπ ¡“™‘°¢Õß ¡“§¡·ø§μÕ√‘Ëß√–À«à“ßª√–‡∑» (Factors Chain International À√◊Õ FCI)

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

13

4. ∏ÿ√°‘®°“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ·≈–°“√∫√‘°“√Õ◊ËπÊ

∫√‘…—∑„Àâ∫√‘°“√ ‘π‡™◊ËÕª√–‡¿∑Õ◊Ëπ ‡™àπ ‘π‡™◊ËÕ∫ÿ§§≈ (Personal Loan) ·≈– ‘π‡™◊ËÕ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå (Floor

Plan Financing) ‚¥¬ ‘π‡™◊ËÕ∫ÿ§§≈‡ªìπ∫√‘°“√ ‘π‡™◊ËÕæ‘‡»…‡©æ“–·°à°≈ÿà¡≈Ÿ°§â“™—Èπ¥’¢Õß∫√‘…—∑∑’Ë¡’§«“¡μâÕß°“√„™â‡ß‘π «ß‡ß‘π

‘π‡™◊ËÕ°”Àπ¥‰«â√“¬≈– 50,000 ∫“∑ √–¬–‡«≈“ºàÕπ™”√–‡ªìπ√–¬– —Èπ ‚¥¬¡’À≈—°ª√–°—π‡ªìπ√∂¬πμåμ“¡ —≠≠“‡™à“´◊ÈÕ ∫√‘…—∑

‡√‘Ë¡„Àâ∫√‘°“√ ‘π‡™◊ËÕ à«π∫ÿ§§≈μ—Èß·μàªï 2545

πÕ°®“°π’È μ—Èß·μàª≈“¬ªï 2546 ∫√‘…—∑‡√‘Ë¡„Àâ∫√‘°“√ ‘π‡™◊ËÕ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå (Floor Plan Financing) ”À√—∫

„™â‡ªìπ·À≈àß‡ß‘π∑ÿπ„π°“√®—¥ ◊ÈÕ√∂¬πμå‡æ◊ËÕπ”¡“®”Àπà“¬ ·≈–‡æ◊ËÕ™à«¬‡ √‘¡ ¿“æ§≈àÕß„Àâ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå ‚¥¬∫√‘…—∑

‡≈◊Õ°„Àâ°“√ π—∫ πÿπ‡©æ“–ºŸâ®—¥®”Àπà“¬√∂¬πμå∑’Ë‡ªìπºŸâ®—¥À“≈Ÿ°§â“ ‘π‡™◊ËÕ‡™à“´◊ÈÕ„Àâ·°à∫√‘…—∑

∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’∫√‘°“√Õ◊ËπÊ ‰¥â·°à ∫√‘°“√®¥∑–‡∫’¬π·≈–μàÕ¿“…’∑–‡∫’¬π√∂¬πμå ·≈–°“√„Àâ∫√‘°“√¥â“π

ª√–°—π¿—¬ ‡ªìπμâπ ‡æ◊ËÕ°“√„Àâ∫√‘°“√Õ¬à“ß§√∫«ß®√

‚§√ß √â“ß√“¬‰¥â¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬

„π√–À«à“ßªï 2550 ∂÷ß ªï 2552 “¡“√∂®”·π°‚§√ß √â“ß√“¬‰¥â¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬μ“¡ª√–‡¿∑°“√¥”‡π‘π∏ÿ√°‘®‰¥â¥—ßπ’È

ª√–‡¿∑∏ÿ√°‘® ¥”‡π‘π°“√‚¥¬ ªï 2552 ªï 2551 ªï 2550

√“¬‰¥â √âÕ¬≈– √“¬‰¥â √âÕ¬≈– √“¬‰¥â √âÕ¬≈–

(≈â“π∫“∑) (≈â“π∫“∑) (≈â“π∫“∑)

‘π‡™◊ËÕ‡™à“´◊ÈÕ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ 916.44 76.77 842.57 73.41 779.63 74.15

‘π‡™◊ËÕ≈’ ´‘Ëß ∫√‘…—∑¬àÕ¬ 65.26 5.47 71.53 6.23 65.53 6.23

‘π‡™◊ËÕ·ø§μÕ√‘Ëß ∫√‘…—∑¬àÕ¬ 50.77 4.25 68.51 5.97 52.69 5.01

√“¬‰¥âÕ◊Ëπ 1/ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ 161.33 13.51 165.13 14.39 153.57 14.61

√«¡ 1,193.80 100.00 1,147.74 100.00 1,051.42 100.00

À¡“¬‡Àμÿ 1/ √“¬‰¥âÕ◊Ëπ ‡™àπ √“¬‰¥â®“° ‘π‡™◊ËÕ à«π∫ÿ§§≈ ‘π‡™◊ËÕ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå √“¬‰¥â®“°§à“∏√√¡‡π’¬¡·≈–∫√‘°“√¥â“π∑–‡∫’¬π √“¬‰¥â®“°§à“ª√—∫≈à“™â“

√“¬‰¥â®“°°“√·π–π”≈Ÿ°§â“‡°’Ë¬«°—∫ª√–°—π¿—¬ ¥Õ°‡∫’È¬√—∫ ‡ß‘πªíπº≈√—∫ √“¬‰¥âÕ◊Ëπ ‡ªìπμâπ

æ—π∏°‘® «‘ —¬∑—»πå·≈–§ÿ≥§à“¢Õß∫√‘…—∑æ—π∏°‘® (Mission)

1. · «ßÀ“·≈– √â“ß§«“¡æ÷ßæÕ„®‡æ◊ËÕ πÕß§«“¡μâÕß°“√∑“ß‡ß‘π ‡æ◊ËÕ§«“¡ ”‡√Á®·≈–§«“¡‡ªìπÕ¬Ÿà∑’Ë¥’¢Õß≈Ÿ°§â“

2. ‡æ◊ËÕ‡μ‘∫‚μÕ¬à“ß¡’°”‰√∑’Ë¡—Ëπ§ß„π à«π∏ÿ√°‘®∑’Ë∫√‘…—∑¡’§«“¡‡™’Ë¬«™“≠ ‡æ◊ËÕ √â“ß§«“¡‰¥â‡ª√’¬∫∑“ß°“√·¢àß¢—π∑’Ë¬—Ëß¬◊π

3. ¡ÿàß°àÕ„Àâ‡°‘¥ª√–‚¬™πå Ÿß ÿ¥°—∫ºŸâ∂◊ÕÀÿâπ §Ÿà§â“ ≈Ÿ°§â“ ºŸâ π—∫ πÿπ∑“ß°“√‡ß‘π æπ—°ß“π μ≈Õ¥®π∑ÿ°ΩÉ“¬∑’Ë‡°’Ë¬«¢âÕß

«‘ —¬∑—»πå (Vision)

‡ªìπ ∂“∫—π°“√‡ß‘π∑’Ë¡’§«“¡‡™’Ë¬«™“≠‡©æ“–¥â“π ¥â«¬°“√‡ªìπºŸâπ”„πμ≈“¥‡©æ“–°≈ÿà¡∑’Ë„Àâ ‘π‡™◊ËÕ‡æ◊ËÕ°“√∫√‘‚¿§ ·≈– ‘π‡™◊ËÕ

‡æ◊ËÕ°“√æ“≥‘™¬å ·°à∫ÿ§§≈∑—Ë«‰ª √«¡∑—Èß∏ÿ√°‘®¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡

§ÿ≥§à“¢Õß∫√‘…—∑ (Corporate Value)

ç ÿ¥À—«„®„Àâ∫√‘°“√ (Service with Passion)é ´÷Ëßμ—ÈßÕ¬Ÿà∫πæ◊Èπ∞“π¢Õß§«“¡‡™◊ËÕ∑’Ë«à“ ç§«“¡‰¡à∑–πßμπ (Modesty) ®–π”‰ª Ÿà

§«“¡‡ªìπÀπ÷Ëß‡¥’¬« (Harmony) ·≈–§«“¡´◊ËÕ —μ¬å (Honesty) √â“ß§«“¡πà“‡™◊ËÕ∂◊Õ·≈–»√—∑∏“ (Credibility)é

14√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

ë §«“¡‰¡à∑–πßμπ (Modesty) : §«“¡πÕ∫πâÕ¡∂àÕ¡μπ ®–π”‰ª Ÿà°“√æ—≤π“Õ¬à“ß √â“ß √√§å

ë §«“¡‡ªìπÀπ÷Ëß‡¥’¬« (Harmony) : °“√∑”ß“π√à«¡°—π‡ªìπ∑’¡ ‡ ¡◊ÕπÀπ÷Ëß§√Õ∫§√—«‡¥’¬«°—π

ë §«“¡ ◊ËÕ —μ¬å (Honesty) : °“√ ◊ËÕμ√ß¥â«¬§«“¡ —μ¬å®√‘ß

ë §«“¡πà“‡™◊ËÕ∂◊Õ (Credibility) : ‡ªìπ∑’Ë‰«â«“ß„®¢ÕßºŸâ∂◊ÕÀÿâπ §Ÿà§à“ ≈Ÿ°§â“ ºŸâ π—∫ πÿπ∑“ß°“√‡ß‘π æπ—°ß“π

μ≈Õ¥®π∑ÿ°ΩÉ“¬∑’Ë‡°’Ë¬«¢âÕß

¿“«–°“√·¢àß¢—π∑“ß∏ÿ√°‘®1. ∏ÿ√°‘®‡™à“´◊ÈÕ√∂¬πμå

„πªï 2552 ∑’Ëºà“π¡“π—Èπ ∏ÿ√°‘®‡™à“´◊ÈÕ√∂¬πμå™–≈Õμ—«≈ß‡π◊ËÕß®“°¬Õ¥¢“¬√∂¬πμå¿“¬„πª√–‡∑»ª√—∫μ—«≈¥≈ß°«à“

√âÕ¬≈– 10 Õ—π‡π◊ËÕß®“°¿“«–°“√∂¥∂Õ¬∑“ß‡»√…∞°‘®¢Õßª√–‡∑»·≈–§«“¡‰¡à¡—Ëπ§ß∑“ß°“√‡¡◊Õß ºŸâª√–°Õ∫°“√μà“ßÊ

®÷ß‡æ’¬ßæ¬“¬“¡ª√–§Õß∏ÿ√°‘®„Àâºà“π™à«ß¿“«–‡»√…∞°‘®™–≈Õμ—« ∑—Èßπ’È„πªï 2553 §“¥«à“¬Õ¥¢“¬√∂¬πμå¿“¬„πª√–‡∑»

®–ª√—∫μ—«¥’¢÷Èπ°«à“„πªï 2552 ‚¥¬®–‡μ‘∫‚μª√–¡“≥√âÕ¬≈– 9 À√◊Õ ¬Õ¥¢“¬√∂¬πμå√«¡ª√–¡“≥ 600,000 §—π Õ—π‡ªìπº≈

◊∫‡π◊ËÕß®“°°“√øóôπμ—«¢Õß‡»√…∞°‘® ·≈–¡“μ√°“√ àß‡ √‘¡®“°¿“§√—∞ ∑—Èßπ’È®“°¬Õ¥¢“¬√∂¬πμå∑’Ë‡æ‘Ë¡¢÷Èπ®– àßº≈„Àâ∏ÿ√°‘®‡™à“

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π‘¬¡¡“°¢÷Èπ °“√·¢àß¢—π„π∏ÿ√°‘®·ø§μÕ√‘Ëß®÷ß∑«’§«“¡√ÿπ·√ß∑—Èß„π¥â“π°“√„Àâ∫√‘°“√·≈–√“§“ ºŸâ„Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß®–

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15

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°“√§—¥‡≈◊Õ°∑√—æ¬å ‘π∑’Ë¡’ ¿“æ§≈àÕß·≈–‰¥â√—∫§«“¡π‘¬¡ À“°≈Ÿ°Àπ’È‰¡à “¡“√∂™”√–Àπ’È§◊π ®– “¡“√∂¢“¬∑√—æ¬å ‘π¥—ß°≈à“«

‰¥â√«¥‡√Á«·≈–¡’°”‰√®“°°“√¢“¬∑√—æ¬å ‘π À√◊ÕÀ“°‡°‘¥º≈¢“¥∑ÿπ °Á¡’®”π«π‰¡à¡“°π—° Õ¬à“ß‰√°Áμ“¡ „π°√≥’∑’Ë¡Ÿ≈§à“

®“°°“√¢“¬∑√—æ¬å ‘π∑’Ë¬÷¥¡“¡’®”π«π‰¡à‡æ’¬ßæÕ°—∫¡Ÿ≈Àπ’È§ß§â“ß ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ “¡“√∂μ‘¥μ“¡·≈–øÑÕß√âÕß¥”‡π‘π§¥’

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∑—ÈßÀ¡¥ ·≈–√âÕ¬≈– 0.92 ¢Õß≈Ÿ°Àπ’È§ß‡À≈◊Õ∑—ÈßÀ¡¥ ≥ ‘Èπªï 2551 πÕ°®“°π’È∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¬—ß¡’π‚¬∫“¬„π°“√

μ‘¥μ“¡Àπ’È∑’Ë‰¥âμ—¥Àπ’È Ÿ≠·≈â«´÷Ëß “¡“√∂‡√’¬°‡°Á∫‡ß‘π·≈–À≈—°∑√—æ¬åÕ◊Ëπ¢Õß≈Ÿ°Àπ’È‰¥â∫“ß à«π

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

17

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18√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

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≥ «—π∑’Ë 30 ∏—π«“§¡ 2552 ∫√‘…—∑¡’√“¬™◊ËÕºŸâ∂◊ÕÀÿâπ„À≠à 10 √“¬·√° ¥—ßπ’È

≈”¥—∫ √“¬™◊ËÕºŸâ∂◊ÕÀÿâπ ®”π«πÀÿâπ (Àÿâπ) √âÕ¬≈– (%)

1. ∫√‘…—∑ ‰™≈’ ‰ø·ππ´å ®”°—¥ 86,096,730 37.43

2. ∫√‘…—∑ ‡Õ ‡§ ‡ÕÁπ‡μÕ√å‰æ√ å (ª√–‡∑»‰∑¬) ®”°—¥ 80,452,280 34.98

3. ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 16,899,560 7.35

4. π“¬™“μ√’ ‚ ¿≥æπ‘™ 11,212,360 4.87

5. ∫√‘…—∑ ‰∑¬‡ÕÁπ«’¥’Õ“√å ®”°—¥ 10,630,400 4.62

6. π“ß ÿ¿“æ√ ®—π∑√å‡ √’«‘∑¬“ 2,270,000 0.99

7. ∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) 2,204,280 0.96

8. π“ß·««μ“ À≈ŸÕ“√’¬å ÿ«√√≥ 1,350,000 0.59

9. π“¬‚ ¿≥ «‘√‡»√≥’ 1,199,600 0.52

10. π“¬§Ÿ ®ÕÀåπ ≈’ 1,079,640 0.47

√«¡ 213,394,850 92.78

°“√®—¥°“√

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μ”·Àπàß§≥–°√√¡μ√«® Õ∫¢Õß∫√‘…—∑ ¥—ßπ’È

1 ¥√. Õ”π«¬ «’√«√√≥ ª√–∏“π°√√¡°“√/ ª√–∏“π°√√¡°“√∫√‘À“√

2 π“¬‚≈ ®ÿπ ≈Õß °√√¡°“√∫√‘À“√/ °√√¡°“√ºŸâ®—¥°“√

3 π“¬‡∑’¬π∑«’ √–μ—πμ‘Ï °√√¡°“√∫√‘À“√

4 π“¬‡™π ¬‘ß Œÿ¬ °√√¡°“√∫√‘À“√

5 π“¬Œ«ß ‡™ß À¡‘ß °√√¡°“√

6 π“¬øß ≈Õß ‡™π °√√¡°“√

7 π“¬À≈‘« ‡®’¬ ‡®’¬ß* °√√¡°“√

8 π“ßªØ‘¡“ ™«≈‘μ °√√¡°“√

9 π“¬ª√–¥‘…∞ »«— μπ“ππ∑å ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √–

10 π“¬Õπ—πμå »«— μπ“ππ∑å °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √–

11 √». ¥√. ÿª√’¬“ §«√‡¥™–§ÿªμå °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √–

12 π“¬‡°…¡ Õ“§‡π¬å ÿ«√√≥* °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √–

À¡“¬‡Àμÿ * ∑’Ëª√–™ÿ¡§≥–°√√¡°“√∫√‘…—∑ §√—Èß∑’Ë 2/2552 ‡¡◊ËÕ«—π∑’Ë 25 °ÿ¡¿“æ—π∏å 2552 ¡’¡μ‘·μàßμ—Èßπ“¬À≈‘« ‡®’¬ ‡®’¬ß ‡¢â“¥”√ßμ”·Àπàß°√√¡°“√ ·≈–

π“¬‡°…¡ Õ“§‡π¬å ÿ«√≥ ‡¢â“¥”√ßμ”·Àπàß°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– ·∑π°√√¡°“√‡¥‘¡∑’Ë≈“ÕÕ° ‚¥¬¡’º≈μ—Èß·μà«—π∑’Ë 25 °ÿ¡¿“æ—π∏å 2552

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

19

¢Õ∫‡¢μÕ”π“®Àπâ“∑’Ë¢Õß§≥–°√√¡°“√∫√‘…—∑

1. ∫√‘À“√®—¥°“√„Àâ‡ªìπ‰ªμ“¡°ÆÀ¡“¬ «—μ∂ÿª√– ß§å ·≈–¢âÕ∫—ß§—∫¢Õß∫√‘…—∑μ≈Õ¥®π¡μ‘¢Õß∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ∑’Ë™Õ∫¥â«¬°ÆÀ¡“¬

√«¡∑—Èß¡’Õ”π“®°√–∑”°“√„¥Ê μ“¡∑’Ë‰¥â√–∫ÿ‰«â „πÀπ—ß ◊Õ∫√‘§≥Àå π∏‘À√◊Õ∑’Ë‡°’Ë¬«¢âÕß°—∫°“√¥—ß°≈à“«¿“¬„μâæ√–√“™∫—≠≠—μ‘

∫√‘…—∑¡À“™π®”°—¥¥â«¬§«“¡´◊ËÕ —μ¬å ÿ®√‘μ·≈–√–¡—¥√–«—ß√—°…“º≈ª√–‚¬™πå¢Õß∫√‘…—∑ ·≈–®–μâÕß¡’°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈

Õ¬à“ß∂Ÿ°μâÕß§√∫∂â«π‰¥â¡“μ√∞“π·≈–‚ª√àß„

2. ¡’Õ”π“®æ‘®“√≥“Õπÿ¡—μ‘°“√„Àâ ‘π‡™◊ËÕ (Credit Approval) §à“„™â®à“¬∑—Ë«‰ª∑’ËΩÉ“¬∫√‘À“√¬—ß‰¡à¡’π‚¬∫“¬°”Àπ¥‰«â (Non-Policy

Expenses) ·≈–°“√®—¥´◊ÈÕ °“√¢“¬∑√—æ¬å ‘π∑’ËΩÉ“¬∫√‘À“√¬—ß‰¡à¡’π‚¬∫“¬°”Àπ¥‰«âÀ√◊Õ∑’Ë¡‘„™à‡ªìπ∏ÿ√°√√¡ª°μ‘ (Buying & Selling

of Non-Policy Assets) °“√®—¥∑”·ºπ∏ÿ√°‘®·≈–ß∫ª√–¡“≥ª√–®”ªï¢Õß∫√‘…—∑ μ≈Õ¥®ππ‚¬∫“¬À√◊Õ°“√∫√‘À“√ß“πÕ◊Ëπ„¥∑’Ë

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∑—Èßπ’È¿“¬„πÕ”π“® ·≈–/À√◊Õ«ß‡ß‘π∑’Ë§≥–°√√¡°“√∫√‘…—∑‰¥â√—∫Õπÿ¡—μ‘®“°∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ

3. §≥–°√√¡°“√Õ“®·μàßμ—Èß°√√¡°“√ ·≈–/À√◊Õ ºŸâ∫√‘À“√®”π«πÀπ÷Ëßμ“¡∑’Ë‡ÀÁπ ¡§«√ ‚¥¬„Àâ¡’Õ”π“®Àπâ“∑’Ë∫√‘À“√®—¥°“√

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¡’Õ”π“®¥—ß°≈à“«√–∫ÿ‰«â‚¥¬™—¥·®âß

4. °√√¡°“√μâÕß‰¡àª√–°Õ∫°‘®°“√Õ—π¡’ ¿“æÕ¬à“ß‡¥’¬«°—π·≈–‡ªìπ°“√·¢àß¢—π°—∫°‘®°“√¢Õß∫√‘…—∑ À√◊Õ‡¢â“‡ªìπÀÿâπ à«π„π

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6. °√√¡°“√∑’Ë¡’ à«π‰¥â‡ ’¬„π‡√◊ËÕß„¥‡√◊ËÕßÀπ÷Ëß‰¡à¡’ ‘∑∏‘ÕÕ°‡ ’¬ß≈ß§–·ππ„π‡√◊ËÕßπ—Èπ

7. „π°√≥’∑’Ë°“√≈ß¡μ‘„π∑’Ëª√–™ÿ¡¡’§–·ππ‡ ’¬ß‡∑à“°—π„Àâª√–∏“π„π∑’Ëª√–™ÿ¡¡’‡ ’¬ß‡æ‘Ë¡¢÷ÈπÕ’°Àπ÷Ëß‡ ’¬ß‡ªìπ‡ ’¬ß™’È¢“¥

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§≥–°√√¡°“√∫√‘À“√

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®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2552 ‡∑’¬∫°—∫ªï 2551 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 925,600 Àÿâπ)

π“¬‚≈ ®ÿπ ≈Õß °√√¡°“√∫√‘À“√/ °√√¡°“√ºŸâ®—¥°“√

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“∫√‘À“√∏ÿ√°‘® University of Santa Clara, U.S.A.

ª√– ∫°“√≥å∑”ß“π

2547-ªí®®ÿ∫—π °√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2542-ªí®®ÿ∫—π °√√¡°“√/ °√√¡°“√ºŸâ®—¥°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2542-ªí®®ÿ∫—π °√√¡°“√∫√‘À“√/ °√√¡°“√ºŸâ®—¥°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π)


®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬

À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program

√ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬


∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

23

π“¬‡∑’¬π∑«’ √–μ—πμ‘Ï °√√¡°“√∫√‘À“√

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“°“√®—¥°“√ Arthur D. Little Management Education Institute, U.S.A.

ª√– ∫°“√≥å∑”ß“π

2547-ªí®®ÿ∫—π °√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2547-ªí®®ÿ∫—π °√√¡°“√∫√‘À“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π)

2542-ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π)

2535-ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2548-2552 √Õßª√–∏“π°√√¡°“√ ¡“§¡‡™à“´◊ÈÕ‰∑¬

2549-2551 √Õß°√√¡°“√ºŸâ®—¥°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2535-2549 ºŸâ®—¥°“√∑—Ë«‰ª ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)


®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬


√ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬


π“¬‡™π ¬‘ß Œÿ¬ °√√¡°“√∫√‘À“√

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“∫√‘À“√∏ÿ√°‘® National Central University, Taiwan R.O.C.

ª√– ∫°“√≥å∑”ß“π

2549-ªí®®ÿ∫—π °√√¡°“√/ °√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2549-ªí®®ÿ∫—π °√√¡°“√/ °√√¡°“√∫√‘À“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π)2549-ªí®®ÿ∫—π ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ªÕ“«ÿ‚ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π)2549-ªí®®ÿ∫—π Executive Vice President, Chailease Finance Co., Ltd.

2544-2549 Executive Vice President, Chailease Consumer Finance Co., Ltd.°“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 57/2549

®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬

®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2552 ‡∑’¬∫°—∫ªï 2551 ‰¡à¡’

π“¬Œ«ß ‡™ß À¡‘ß °√√¡°“√

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“°“√®—¥°“√ Massachusetts Institute of Technology (MIT), U.S.A.

ª√– ∫°“√≥å∑”ß“π

2547-ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)2547-ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π)

2552-ªí®®ÿ∫—π President, Grand Pacific Investment and Development Co., Ltd.2550-2552 Senior Executive Vice President/ Director, Financial One Corp.2550-2552 Director, Grand Pacific Holdings Corp.

2549-2552 Chairman, Chailease International Leasing Co., Ltd.2547-2552 Senior Executive Vice President/ Director, Chailease Finance Co., Ltd.

°“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ‰¡à¡’


24√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

π“¬øß ≈Õß ‡™π °√√¡°“√

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“°“√®—¥°“√ Massachusetts Institute of Technology (MIT), U.S.A.

ª√– ∫°“√≥å∑”ß“π

2542-ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2542-ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π)

2553-ªí®®ÿ∫—π President, My Fleet Co., Ltd.

2552-ªí®®ÿ∫—π Chairman and President, Chailease Consumer Finance Co., Ltd.

2552-ªí®®ÿ∫—π CEO, Financial One Corp.

2551-ªí®®ÿ∫—π Chairman, Chailease Auto Service Co., Ltd.

2551-ªí®®ÿ∫—π Chairman, Chailease International Corp.

2550-ªí®®ÿ∫—π Chairman, Chailease Finance Co., Ltd.

2550-ªí®®ÿ∫—π President/ Director, Financial One Corp.

2550-ªí®®ÿ∫—π Director, Grand Pacific Holdings Corp.

2550-ªí®®ÿ∫—π Chairman, My Fleet Co., Ltd.

2550-ªí®®ÿ∫—π Chairman and President, Chaileaese International Finance Co., Ltd.

2549-ªí®®ÿ∫—π Chairman of Control Committee,

Chailease International Leasing Company (Vietnam)

2545-ªí®®ÿ∫—π President, Chailease Finance Co., Ltd.

2543-ªí®®ÿ∫—π Director, Chailease Consumer Finance Co., Ltd.

°“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ‰¡à¡’


π“¬À≈‘« ‡®’¬ ‡®’¬ß °√√¡°“√ (‡¢â“¥”√ßμ”·Àπàß «—π∑’Ë 25 °ÿ¡¿“æ—π∏å 2552)

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“∫√‘À“√∏ÿ√°‘® Sloan School of MIT, U.S.A.

ª√– ∫°“√≥å∑”ß“π

2552-ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2552-ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π)

2552-ªí®®ÿ∫—π Chairman and Director, Chailease International Leasing Co., Ltd.

2552-ªí®®ÿ∫—π Chief Financial Officer/ Executive Director, Financial One Corp.

2552-ªí®®ÿ∫—π Director, Grand Pacific Holdings Corp.

2552-2552 Supervisor, Chailease Auto Service Co., Ltd.

2552-2552 Supervisor, My Fleet Co., Ltd.

2547-2551 President, Grand Pacific Credit Co., Ltd.

°“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ‰¡à¡’

®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2552 ‡∑’¬∫°—∫ªï 2551 ‰¡à¡’

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

25

π“ßªØ‘¡“ ™«≈‘μ °√√¡°“√

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“μ√’ “¢“∑ƒ…Æ’∫—≠™’ ®ÿÃ“≈ß°√≥å¡À“«‘∑¬“≈—¬

ª√– ∫°“√≥å∑”ß“π

2536-ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2542-ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π)

2551-ªí®®ÿ∫—π Senior Vice President “¬∑√—æ¬“°√∫ÿ§§≈ ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π)

2548-2551 Senior Vice President ΩÉ“¬ºŸâ®—¥°“√„À≠à ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π)

2544-2548 °√√¡°“√/ ºŸâ™à«¬°√√¡°“√ºŸâÕ”π«¬°“√ ∫√‘…—∑‡ß‘π∑ÿπ ∫—«À≈«ß ®”°—¥

°“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program

√ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬


π“¬ª√–¥‘…∞ »«— μπ“ππ∑å ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √–

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“∫√‘À“√∏ÿ√°‘® Central State University, Oklahoma, U.S.A.

ª√– ∫°“√≥å∑”ß“π

2547-ªí®®ÿ∫—π ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2547-ªí®®ÿ∫—π °√√¡°“√Õ‘ √–/ °√√¡°“√μ√«® Õ∫ ∫√‘…—∑ ‰∑¬øî≈å¡ Õ‘π¥— ∑√’ ®”°—¥ (¡À“™π)

2543-ªí®®ÿ∫—π °√√¡°“√Õ‘ √–/ °√√¡°“√μ√«® Õ∫ ∫√‘…—∑À≈—°∑√—æ¬å ‡§®’‰Õ ®”°—¥ (¡À“™π)

2548-2549 ∑’Ëª√÷°…“§≥–°√√¡“∏‘°“√°“√æ—≤π“‡»√…∞°‘® ¿“ºŸâ·∑π√“…Æ√

2546-2549 °√√¡°“√ ∫√‘…—∑ »Ÿπ¬å√—∫Ω“°À≈—°∑√—æ¬å (ª√–‡∑»‰∑¬) ®”°—¥

2544-2549 π—°«‘™“°“√ª√–®” §≥–°√√¡“∏‘°“√°“√‡ß‘π °“√§≈—ß °“√∏π“§“√œ ¿“ºŸâ·∑π√“…Æ√


®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬


√ÿàπ∑’Ë 3/2543 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬

À≈—° Ÿμ√ Audit Committee √ÿàπ∑’Ë 3/2547

®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬

À≈—° Ÿμ√ Improving the Quality of Financial Reporting √ÿàπ∑’Ë 4/2549

®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬


26√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

π“¬Õπ—πμå »«— μπ“ππ∑å °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √–

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ Commerce Course The Institute of Foreign Languages Business Development

& Management Course

ª√– ∫°“√≥å∑”ß“π

2547-ªí®®ÿ∫—π °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2541-ªí®®ÿ∫—π Executive Vice Chairman, Shanghai Kinghill Co., Ltd. Pudong P.R.O.C.

2541-ªí®®ÿ∫—π °√√¡°“√ºŸâ®—¥°“√, Star of Andaman Co., Ltd.


®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬


√». ¥√. ÿª√’¬“ §«√‡¥™–§ÿªμå °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √–

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‡Õ° “¢“‡»√…∞»“ μ√å University of Hawaii, U.S.A.

ª√– ∫°“√≥å∑”ß“π

2549-ªí®®ÿ∫—π °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2550-ªí®®ÿ∫—π ª√–∏“π “¢“«‘™“‡»√…∞»“ μ√å∏ÿ√°‘® §≥–‡»√…∞»“ μ√å ¡À“«‘∑¬“≈—¬‡°…μ√»“ μ√å

2529-ªí®®ÿ∫—π √Õß»“ μ√“®“√¬å ¿“§«‘™“‡»√…∞»“ μ√å §≥–‡»√…∞»“ μ√å ¡À“«‘∑¬“≈—¬‡°…μ√»“ μ√å

2547-2549 ∑’Ëª√÷°…“ºŸâÕ”π«¬°“√ ”π—°ß“π‡»√…∞°‘®°“√§≈—ß ”π—°ß“π‡»√…∞°‘®°“√§≈—ß


®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬


√ÿàπ∑’Ë 97/2550 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬


√«¡°“√∂◊ÕÀ≈—°∑√—æ¬å‚¥¬ºŸâ‡°’Ë¬«¢âÕß

π“¬‡°…¡ Õ“§‡π¬å ÿ«√√≥ °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– (‡¢â“¥”√ßμ”·Àπàß «—π∑’Ë 25 °ÿ¡¿“æ—π∏å 2552)

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“∫—≠™’ Roosevelt University, U.S.A.

ª√– ∫°“√≥å∑”ß“π

2552-ªí®®ÿ∫—π °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2543-ªí®®ÿ∫—π °√√¡°“√ BNH Medical Center Co., Ltd.

2540-ªí®®ÿ∫—π Assistant Vice President- Finance ∫√‘…—∑ ∫“ß°Õ°·Õ√å‡«¬å ®”°—¥


®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬

®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2552 ‡∑’¬∫°—∫ªï 2551 ‰¡à¡’

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

27

π“¬»√“¬ÿ∑∏å ¢“«≈–‡Õ’¬¥ ºŸâ®—¥°“√∑—Ë«‰ª

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“μ√’ “¢“°“√μ≈“¥ ¡À“«‘∑¬“≈—¬∏√√¡»“ μ√å

ª√– ∫°“√≥å∑”ß“π

2549-ªí®®ÿ∫—π ºŸâ®—¥°“√∑—Ë«‰ª ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2552-ªí®®ÿ∫—π °√√¡°“√ ¡“§¡‡™à“´◊ÈÕ‰∑¬

2537-2549 ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ª ΩÉ“¬§«∫§ÿ¡ ‘π‡™◊ËÕ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

°“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ‰¡à¡’


π“¬¥π—¬ ≈“¿“«‘«—≤πå À—«Àπâ“‡®â“Àπâ“∑’Ë∫—≠™’·≈–°“√‡ß‘π/ ‡≈¢“πÿ°“√§≥–°√√¡°“√

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“°“√‡ß‘π San Diego State University, U.S.A.

ª√– ∫°“√≥å∑”ß“π

2547-ªí®®ÿ∫—π ‡≈¢“πÿ°“√§≥–°√√¡°“√ ∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2546-ªí®®ÿ∫—π À—«Àπâ“‡®â“Àπâ“∑’Ë∫—≠™’·≈–°“√‡ß‘π ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2546-ªí®®ÿ∫—π À—«Àπâ“‡®â“Àπâ“∑’Ë∫—≠™’·≈–°“√‡ß‘π ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π)


√ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬


π“¬»√“¬ÿ∑∏å ™—¬ «— ¥‘Ï À—«Àπâ“‡®â“Àπâ“∑’Ë “√ π‡∑»/ √—°…“°“√À—«Àπâ“‡®â“Àπâ“∑’Ë∏ÿ√°“√

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“§Õ¡æ‘«‡μÕ√å ∂“∫—π∫—≥±‘μæ—≤π∫√‘À“√»“ μ√å

ª√– ∫°“√≥å∑”ß“π

2547-ªí®®ÿ∫—π √—°…“°“√À—«Àπâ“‡®â“Àπâ“∑’Ë∏ÿ√°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2545-ªí®®ÿ∫—π À—«Àπâ“‡®â“Àπâ“∑’Ë “√ π‡∑» ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)


√ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬


π“¬™π¡åæ‘‡™∞ μ—πμ‘°‘μμ‘¿‘≠‚≠ ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ªÕ“«ÿ‚

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“μ√’ “¢“‡»√…∞»“ μ√å ¡À“«‘∑¬“≈—¬∏√√¡»“ μ√å

ª√– ∫°“√≥å∑”ß“π

2549-ªí®®ÿ∫—π ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ªÕ“«ÿ‚ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

2545-2549 ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ª ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

°“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ‰¡à¡’


28√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

°“√ √√À“§≥–°√√¡°“√·≈–ºŸâ∫√‘À“√

∫√‘…—∑‰¡à¡’§≥–°√√¡°“√ √√À“‡æ◊ËÕ§—¥‡≈◊Õ°∫ÿ§§≈∑’Ë®–‡¢â“¥”√ßμ”·Àπàß‡ªìπ°√√¡°“√·≈–ºŸâ∫√‘À“√ °“√§—¥‡≈◊Õ°„™â«‘∏’

æ‘®“√≥“√à«¡°—π√–À«à“ß§≥–°√√¡°“√∫√‘…—∑·≈–§≥–°√√¡°“√μ√«® Õ∫ ‚¥¬∫ÿ§§≈∑’Ë®–‡¢â“¡“¥”√ßμ”·Àπàß°√√¡°“√À√◊ÕºŸâ∫√‘À“√

¢Õß∫√‘…—∑μâÕß‡ªìπºŸâ∑’Ë‰¡à¡’≈—°…≥–μâÕßÀâ“¡μ“¡°ÆÀ¡“¬ ·≈–°“√§—¥‡≈◊Õ°°√√¡°“√®–æ‘®“√≥“μ“¡∑’Ë “√– ”§—≠¢Õß¢âÕ∫—ß§—∫

¢Õß∫√‘…—∑‰¥â°”Àπ¥‰«â ∑—Èßπ’È∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ‡ªìπºŸâÕπÿ¡—μ‘°“√·μàßμ—Èß·≈–°”Àπ¥§à“μÕ∫·∑π¢Õß§≥–°√√¡°“√ ·≈–§≥–°√√¡°“√

∫√‘À“√‡ªìπºŸâÕπÿ¡—μ‘°“√·μàßμ—Èß·≈–°”Àπ¥§à“μÕ∫·∑πºŸâ∫√‘À“√

§à“μÕ∫·∑π°√√¡°“√ °√√¡°“√∫√‘À“√ ·≈–ºŸâ∫√‘À“√

§à“μÕ∫·∑π∑’Ë‡ªìπμ—«‡ß‘π

1. §à“μÕ∫·∑π°√√√¡°“√

„πªï 2552 §à“μÕ∫·∑π°√√¡°“√¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ª√–°Õ∫¥â«¬ §à“μÕ∫·∑πª√–®”§à“‡∫’È¬ª√–™ÿ¡·≈–‚∫π— ´÷Ëß

‰¥â√—∫Õπÿ¡—μ‘®“°∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ ¥—ßπ’È

§à“μÕ∫·∑πª√–®” §à“‡∫’È¬ª√–™ÿ¡ ‚∫π—

(∫“∑μàÕ‡¥◊Õπ) (∫“∑μàÕ§√—Èß)

ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 30,000 6,000 90,000

°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 20,000 6,000 60,000

ª√–∏“π°√√¡°“√/ °√√¡°“√∫√‘À“√/ °√√¡°“√∑’Ë‰¡à‡ªìπºŸâ∫√‘À“√ 10,000 - -

°√√¡°“√∫ÿ§§≈¿“¬πÕ° 10,000 6,000 30,000

§à“μÕ∫·∑π°√√¡°“√ ”À√—∫ªï 2552 ¡’√“¬≈–‡Õ’¬¥¥—ßπ’È

™◊ËÕ μ”·Àπàß §à“μÕ∫·∑πª√–®” §à“‡∫’È¬ª√–™ÿ¡ ‚∫π—

(∫“∑) (∫“∑) (∫“∑)

¥√. Õ”π«¬ «’√«√√≥ ª√–∏“π°√√¡°“√/ ª√–∏“π°√√¡°“√∫√‘À“√ 120,000 - -

π“¬‚≈ ®ÿπ ≈Õß °√√¡°“√∫√‘À“√/ °√√¡°“√ºŸâ®—¥°“√ 120,000 - -

π“¬‡∑’¬π∑«’ √–μ—πμ‘Ï °√√¡°“√∫√‘À“√ 120,000 - -

π“¬‡™π ¬‘ß Œÿ¬ °√√¡°“√∫√‘À“√ 120,000 - -

π“¬Œ«ß ‡™ß À¡‘ß °√√¡°“√ 120,000 - -

π“¬øß ≈Õß ‡™π °√√¡°“√ 120,000 - -

π“¬À≈‘« ‡®’¬ ‡®’¬ß °√√¡°“√ 100,000 - -

π“ßªØ‘¡“ ™«≈‘μ °√√¡°“√ 120,000 30,000 30,000

π“¬ª√–¥‘…∞ »«— μπ“ππ∑å ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 360,000 36,000 90,000

π“¬Õπ—πμå »«— μπ“ππ∑å °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 240,000 24,000 60,000

√». ¥√. ÿª√’¬“

§«√‡¥™–§ÿªμå °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 240,000 36,000 60,000

π“¬‡°…¡ Õ“§‡π¬å ÿ«√√≥ °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 200,000 30,000 -

π“¬‡≈’Ë¬« Õ‘ß ®◊ÈÕ (≈“ÕÕ°) °√√¡°“√ 20,000 - -

π“¬‡©‘π ™‘ ™‘ß (≈“ÕÕ°) °√√¡°“√ 20,000 - -

√«¡ 2,020,000 156,000 240,000

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

29

2. §à“μÕ∫·∑πºŸâ∫√‘À“√

„πªï 2552 §à“μÕ∫·∑πºŸâ∫√‘À“√¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ®”π«π√«¡ 8 ∑à“π ª√–°Õ∫¥â«¬ ‡ß‘π‡¥◊Õπ ‚∫π—

‡ß‘π ¡∑∫°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ ‡ß‘πª√–°—π —ß§¡ ·≈–º≈μÕ∫·∑πÕ◊ËπÊ ‚¥¬ “¡“√∂®”·π°‡ªìπ ‡ß‘π‡¥◊Õπ·≈–‚∫π— ®”π«π

28.88 ≈â“π∫“∑ ·≈–‡ß‘π ¡∑∫°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ ‡ß‘πª√–°—π —ß§¡ √«¡∑—Èßº≈μÕ∫·∑πÕ◊Ëπ ®”π«π 2.62 ≈â“π∫“∑

√«¡§à“μÕ∫·∑π°√√¡°“√∫√‘À“√·≈–ºŸâ∫√‘À“√∑’Ë‡ªìπμ—«‡ß‘π√«¡ 31.50 ≈â“π∫“∑

§à“μÕ∫·∑πÕ◊Ëπ

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°“√∂◊Õ§√ÕßÀ≈—°∑√—æ¬å¢Õß°√√¡°“√·≈–ºŸâ∫√‘À“√

™◊ËÕ Àÿâπ “¡—≠ (Àÿâπ) Àÿâπ “¡—≠ (Àÿâπ)

≥ ‘Èπªï 2552 ≥ ‘Èπªï 2551 ‡ª≈’Ë¬π·ª≈ß ≥ ‘Èπªï 2552 ≥ ‘Èπªï 2551 ‡ª≈’Ë¬π·ª≈ß

°√√¡°“√ °√√¡°“√

¥√. Õ”π«¬ «’√«√√≥ 925,600 925,600 - π“¬À≈‘« ‡®’¬ ‡®’¬ß - - -

π“¬‚≈ ®ÿπ ≈Õß 180,050 180,050 - π“ßªØ‘¡“ ™«≈‘μ 161,400 161,400 -

π“¬‡∑’¬π∑«’ √–μ—πμ‘Ï 189,400 189,400 - π“¬ª√–¥‘…∞ »«— μπ“ππ∑å 60,000 60,000 -

π“¬‡™π ¬‘ß Œÿ¬ - - - π“¬Õπ—πμå »«— μπ“ππ∑å 50,000 50,000 -

π“¬Œ«ß ‡™ß À¡‘ß 231,400 231,400 - √». ¥√. ÿª√’¬“ §«√‡¥™“§ÿªμå* 60,000 60,000 -

π“¬øß ≈Õß ‡™π 231,400 231,400 - π“¬‡°…¡ Õ“§‡π¬å ÿ«√√≥ - - -

ºŸâ∫√‘À“√ ºŸâ∫√‘À“√

π“¬»√“¬ÿ∑∏å ¢“«≈–‡Õ’¬¥ 126,800 126,800 - π“¬»√“¬ÿ∑∏å ™—¬ «— ¥‘Ï 55,000 55,000 -

π“¬¥π—¬ ≈“¿“«‘«—≤πå 89,080 89,080 - π“¬™π¡åæ‘‡™… μ—πμ‘°‘μμ‘¿‘≠‚≠ 140,300 140,300 -

* √«¡°“√∂◊ÕÀ≈—°∑√—æ¬å‚¥¬ºŸâ‡°’Ë¬«¢âÕß

À≈—°°“√°”°—∫¥Ÿ·≈°‘®°“√∑’Ë¥’

°“√°”°—∫¥Ÿ·≈°‘®°“√

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”À√—∫°“√‡ªìπ°√√¡°“√∫√‘…—∑®¥∑–‡∫’¬π ‡æ◊ËÕ„Àâ‡ªìπ‰ªμ“¡·π«∑“ß¢Õßμ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ √«¡∑—Èß‡ªìπ°“√

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π“¬‡™π ¬‘ß Œÿ¬ 6/6 - π“¬Õπ—πμå »«— μπ“ππ∑å 4/6 5/5

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35

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2. ‰¡à‡ªìπÀ√◊Õ‡§¬‡ªìπ°√√¡°“√∑’Ë¡’ à«π√à«¡∫√‘À“√ß“π ≈Ÿ°®â“ß æπ—°ß“π ∑’Ëª√÷°…“∑’Ë‰¥â‡ß‘π‡¥◊Õπª√–®” À√◊ÕºŸâ¡’Õ”π“®

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3. ‰¡à‡ªìπ∫ÿ§§≈∑’Ë¡’§«“¡ —¡æ—π∏å∑“ß “¬‚≈À‘μ À√◊Õ‚¥¬°“√®¥∑–‡∫’¬πμ“¡°ÆÀ¡“¬ „π≈—°…≥–∑’Ë‡ªìπ ∫‘¥“¡“√¥“

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4. ‰¡à¡’À√◊Õ‡§¬¡’§«“¡ —¡æ—π∏å∑“ß∏ÿ√°‘®°—∫∫√‘…—∑ ∫√‘…—∑„À≠à ∫√‘…—∑¬àÕ¬ ∫√‘…—∑√à«¡ À√◊Õπ‘μ‘∫ÿ§§≈∑’ËÕ“®¡’§«“¡¢—¥·¬âß

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5. ‰¡à‡ªìπÀ√◊Õ‡§¬‡ªìπºŸâ Õ∫∫—≠™’¢Õß∫√‘…—∑ ∫√‘…—∑„À≠à ∫√‘…—∑¬àÕ¬ ∫√‘…—∑√à«¡ À√◊Õπ‘μ‘∫ÿ§§≈∑’ËÕ“®¡’§«“¡¢—¥·¬âß ·≈–

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®–‰¥âæâπ®“°°“√¡’≈—°…≥–¥—ß°≈à“«¡“·≈â«‰¡àπâÕ¬°«à“ Õßªï°àÕπ«—π∑’Ë‰¥â√—∫°“√·μàßμ—Èß

36√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

6. ‰¡à‡ªìπÀ√◊Õ‡§¬‡ªìπºŸâ „Àâ∫√‘°“√∑“ß«‘™“™’æ„¥Ê ÷Ëß√«¡∂÷ß°“√„Àâ∫√‘°“√‡ªìπ∑’Ëª√÷°…“°ÆÀ¡“¬À√◊Õ∑’Ëª√÷°…“∑“ß°“√‡ß‘π

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°“√Õπÿ¡—μ‘∑’Ë°”Àπ¥‰«â ·≈–„π°√≥’∑’Ë§≥–°√√¡°“√μ√«® Õ∫‰¡à¡’§«“¡™”π“≠„π°“√æ‘®“√≥“√“¬°“√√–À«à“ß°—π∑’Ë‡°‘¥¢÷Èπ ∫√‘…—∑®–

®—¥„Àâ¡’∫ÿ§§≈∑’Ë¡’§«“¡√Ÿâ§«“¡™”π“≠æ‘‡»… ‡™àπ ºŸâ Õ∫∫—≠™’¢Õß∫√‘…—∑ À√◊ÕºŸâ‡™’Ë¬«™“≠Õ‘ √– ‡ªìπºŸâ„Àâ§«“¡‡ÀÁπ‡°’Ë¬«°—∫√“¬°“√

√–À«à“ß°—π¥—ß°≈à“« §«“¡‡ÀÁπ¢Õß§≥–°√√¡°“√μ√«® Õ∫À√◊Õ∫ÿ§§≈∑’Ë¡’§«“¡√Ÿâ§«“¡™”π“≠æ‘‡»…®–∂Ÿ°π”‰ª„™âª√–°Õ∫°“√

μ—¥ ‘π„®¢Õß§≥–°√√¡°“√∫√‘…—∑ À√◊ÕºŸâ∂◊ÕÀÿâπ·≈â«·μà°√≥’ πÕ°®“°π’È ∫√‘…—∑®–∑”°“√‡ªî¥‡º¬√“¬°“√√–À«à“ß°—π¥—ß°≈à“«‰«â„π

À¡“¬‡Àμÿª√–°Õ∫ß∫°“√‡ß‘π∑’Ë‰¥â√—∫°“√μ√«® Õ∫®“°ºŸâ Õ∫∫—≠™’¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ∑—Èßπ’È °“√∑”√“¬°“√√–À«à“ß°—π¥—ß°≈à“«

μâÕßªØ‘∫—μ‘„Àâ‡ªìπ‰ªμ“¡°ÆÀ¡“¬«à“¥â«¬À≈—°∑√—æ¬å·≈–μ≈“¥À≈—°∑√—æ¬å ¢âÕ∫—ß§—∫ ª√–°“» §” —Ëß À√◊Õ¢âÕ°”Àπ¥¢Õß ”π—°ß“π

§≥–°√√¡°“√°”°—∫À≈—°∑√—æ¬å·≈–μ≈“¥À≈—°∑√—æ¬å ·≈–/À√◊Õ μ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ ‡°’Ë¬«°—∫‡√◊ËÕß°“√‡¢â“∑”√“¬°“√∑’Ë

‡°’Ë¬«‚¬ß°—π À√◊Õ°“√‰¥â¡“·≈–®”Àπà“¬‰ª´÷Ëß∑√—æ¬å ‘π¢Õß∫√‘…—∑Õ¬à“ß‡§√àß§√—¥ √«¡μ≈Õ¥∂÷ß°“√ªØ‘∫—μ‘μ“¡¢âÕ°”Àπ¥‡°’Ë¬«°—∫°“√

‡ªî¥‡º¬¢âÕ¡Ÿ≈°“√∑”√“¬°“√‡°’Ë¬«‚¬ß ·≈–°“√‰¥â¡“À√◊Õ®”Àπà“¬∑√—æ¬å ‘π∑’Ë ”§—≠¢Õß∫√‘…—∑ ”À√—∫°“√‡¢â“∑”√“¬°“√√–À«à“ß°—π∑’Ë

Õ“®‡°‘¥¢÷Èπ„πÕπ“§μ ∫√‘…—∑¡’¢—ÈπμÕπ„π°“√Õπÿ¡—μ‘°“√∑”∏ÿ√°√√¡‡ªìπ‰ªμ“¡¡“μ√°“√∑’Ë°≈à“«¡“·≈â«¢â“ßμâπ ‚¥¬∫√‘…—∑¡’π‚¬∫“¬∑’Ë

®–¥”‡π‘π°“√„Àâ‡ªìπ‰ªμ“¡≈—°…≥–∏ÿ√°‘®°“√§â“∑—Ë«‰ª Õâ“ßÕ‘ß°—∫√“§“μ≈“¥·≈–‡ß◊ËÕπ‰¢°“√μ≈“¥∑’Ë‡À¡“– ¡ ‡æ◊ËÕ°àÕ„Àâ‡°‘¥ª√–‚¬™πå

Ÿß ÿ¥·°à∫√‘…—∑

√“¬≈–‡Õ’¬¥√“¬°“√√–À«à“ß°—π

‚¥¬¡μ‘§≥–°√√¡°“√§√—Èß∑’Ë 1/2553 ‡¡◊ËÕ«—π∑’Ë 29 ¡°√“§¡ 2553 ¡’§≥–°√√¡°“√μ√«® Õ∫ ÷Ëß‡ªìπ°√√¡°“√Õ‘ √–‡¢â“√à«¡

ª√–™ÿ¡‡æ◊ËÕ Õ∫∑“π√“¬°“√√–À«à“ß°—π ”À√—∫ß«¥ ‘Èπ ÿ¥ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ‰¥â „Àâ

§«“¡‡ÀÁπ«à“°“√∑”√“¬°“√√–À«à“ß°—π‡ªìπ§«“¡®”‡ªìπ„π°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª ‡ß◊ËÕπ‰¢μà“ßÊ ¢Õß√“¬°“√√–À«à“ß°—π°—∫∫ÿ§§≈

∑’ËÕ“®¡’§«“¡¢—¥·¬âß„π™à«ß√–¬–‡«≈“¥—ß°≈à“«‡ªìπ‰ªμ“¡√“§“μ≈“¥ √“§“μ“¡ —≠≠“·≈–√“§“∑’Ëμ°≈ß°—π ´÷Ëß¡’§«“¡ ¡‡Àμÿ ¡º≈

·≈–‡ªìπ‰ªμ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª ‚¥¬¡’√“¬≈–‡Õ’¬¥¥—ßμàÕ‰ªπ’È

√“¬°“√√–À«à“ß°—π

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

39

∫ÿ§§≈∑’ËÕ“®¡’§«“¡¢—¥·¬âß/ ≈—°…≥–√“¬°“√ ¡Ÿ≈§à“√“¬°“√√–À«à“ß°—π ”À√—∫ ‡Àμÿº≈ §«“¡®”‡ªìπ¢Õß°“√∑”

≈—°…≥–§«“¡ —¡æ—π∏å ß«¥ ‘Èπ ÿ¥ (æ—π∫“∑) √“¬°“√√–À«à“ß°—π / À¡“¬‡Àμÿ

31 ∏.§. 2552 31 ∏.§. 2551

1. ∏π“§“√°√ÿß‡∑æ ®”°—¥ ‡ß‘πΩ“°∏π“§“√ª√–‡¿∑ÕÕ¡∑√—æ¬å - §≥–°√√¡°“√μ√«® Õ∫ ‰¥â Õ∫∑“π·≈–

(¡À“™π)/ °√–· √“¬«—π ‡ß‘π‡∫‘°‡°‘π∫—≠™’ æ‘®“√≥“√“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ

- ∂◊ÕÀÿâπ√âÕ¬≈– 7.35 ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ ‡ß‘π°Ÿâ¬◊¡√–¬–¬“« «à“§‘¥Õ—μ√“¥Õ°‡∫’È¬μ“¡Õ—μ√“μ≈“¥

„π∫√‘…—∑ ≥ «—π∑’Ë ·≈–§à“∏√√¡‡π’¬¡Õ“«—≈¢Õß∫√‘…—∑ ¡’§«“¡ ¡‡Àμÿ ¡º≈·≈–‡ªìπ‰ªμ“¡°“√

30 ∏—π«“§¡ 2552 ·≈–∫√‘…—∑¬àÕ¬‡æ◊ËÕ‡ªìπ‡ß‘π∑ÿπ ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª

À¡ÿπ‡«’¬π·≈–‡æ◊ËÕ¢¬“¬°“√

ª√–°Õ∫∏ÿ√°‘®

1. ‡ß‘πΩ“°ÕÕ¡∑√—æ¬å·≈– 231,464.23 53,318.07

°√–· √“¬«—π

2. ‡ß‘π‡∫‘°‡°‘π∫—≠™’ 60,518.24 31,655.99

3. ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ 120,000.00 2,480,000.00

4. ‡ß‘π°Ÿâ¬◊¡√–¬–¬“« 2,300,000.00 2,000,000.00

5. ¥Õ°‡∫’È¬§â“ß®à“¬ 481.03 17,008.93

6. ¥Õ°‡∫’È¬®à“¬ 162,658.96 203,651.11

7. §à“∏√√¡‡π’¬¡Õ“«—≈ 923.42 907.40

8. §à“∏√√¡‡π’¬¡Õ“«—≈®à“¬≈à«ßÀπâ“ 235.48 253.97

2. ∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ¢Õß∫√‘…—∑¬àÕ¬ - §≥–°√√¡°“√μ√«® Õ∫ ‰¥â Õ∫∑“π·≈–

®”°—¥ (¡À“™π)/ ‡æ◊ËÕ„™â‡ªìπ‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π·≈– æ‘®“√≥“√“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ

- ∂◊ÕÀÿâπ√âÕ¬≈– 0.96 §à“‡∫’È¬ª√–°—π¿—¬ ¢Õß∫√‘…—∑·≈– «à“§‘¥Õ—μ√“¥Õ°‡∫’È¬·≈–§à“‡∫’È¬ª√–°—π¿—¬

„π∫√‘…—∑ ≥ «—π∑’Ë ∫√‘…—∑¬àÕ¬ ‚¥¬§‘¥¥Õ°‡∫’È¬·≈– μ“¡Õ—μ√“μ≈“¥ ¡’§«“¡ ¡‡Àμÿ ¡º≈·≈–

30 ∏—π«“§¡ 2552 §à“‡∫’È¬ª√–°—π¿—¬μ“¡Õ—μ√“μ≈“¥ ‡ªìπ‰ªμ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª

1. ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ 60,000.00 60,000.00

2. ¥Õ°‡∫’È¬®à“¬ 1,130.42 1,709.59

3. §à“‡∫’È¬ª√–°—π¿—¬ 1,057.70 1,143.60

4. §à“‡∫’È¬ª√–°—π®à“¬≈à«ßÀπâ“ 304.48 292.12

3. China Trust Commercial §à“∏√√¡‡π’¬¡ Standby L/C - §≥–°√√¡°“√μ√«® Õ∫ ‰¥â Õ∫∑“π·≈–

Bank/ ¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ‡æ◊ËÕ„™â æ‘®“√≥“√“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ

- ∫√‘…—∑∑’Ë‡°’Ë¬«¢âÕß°—∫ ‡ªìπ‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π „π«ß‡ß‘π «à“§‘¥§à“∏√√¡‡π’¬¡¡’§«“¡ ¡‡Àμÿ ¡º≈

ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑ ‘π‡™◊ËÕ√«¡ 40 ≈â“π‡À√’¬≠ ·≈–‡ªìπ‰ªμ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª

(∫√‘…—∑ ‰™≈’ ‰ø·ππ´å ®”°—¥ À√—∞Õ‡¡√‘°“ ‚¥¬ “¡“√∂‡≈◊Õ°

·≈– ∫√‘…—∑ ‡Õ‡§ ‡ÕÁπ‡μÕ√å‰æ√å ∑’Ë®–°Ÿâ¬◊¡‚¥¬μ√ß À√◊Õ‡∫‘°„™â

(ª√–‡∑»‰∑¬) ®”°—¥) ‘π‡™◊ËÕ„π√Ÿª Standby Letter of

Credit ‡æ◊ËÕπ”‰ª§È”ª√–°—π°“√°Ÿâ¬◊¡

‡ß‘π®“° ∂“∫—π°“√‡ß‘πÕ◊Ëπ

1. §à“∏√√¡‡π’¬¡ Standby L/C - 19.51

2. §à“∏√√¡‡π’¬¡ Standby L/C - -

®à“¬≈à«ßÀπâ“

40√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

∫ÿ§§≈∑’ËÕ“®¡’§«“¡¢—¥·¬âß/ ≈—°…≥–√“¬°“√ ¡Ÿ≈§à“√“¬°“√√–À«à“ß°—π ”À√—∫ ‡Àμÿº≈ §«“¡®”‡ªìπ¢Õß°“√∑”

≈—°…≥–§«“¡ —¡æ—π∏å ß«¥ ‘Èπ ÿ¥ (æ—π∫“∑) √“¬°“√√–À«à“ß°—π / À¡“¬‡Àμÿ

31 ∏.§. 2552 31 ∏.§. 2551

4. ∫√‘…—∑ ‰™≈’ ‰ø·ππ´å ®”°—¥/ §à“∏√√¡‡π’¬¡°“√§È”ª√–°—π‡ß‘π°Ÿâ - §≥–°√√¡°“√μ√«® Õ∫ ‰¥â Õ∫∑“π·≈–

- ‡ªìπºŸâ∂◊ÕÀÿâπ√“¬„À≠à ´÷Ëß∫√‘…—∑°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘πÕ◊Ëπ æ‘®“√≥“√“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ«à“

„π∫√‘…—∑ ∂◊ÕÀÿâπ√âÕ¬≈– 1. §à“∏√√¡‡π’¬¡°“√§È”ª√–°—π‡ß‘π°Ÿâ - 3,890.72 ¡’¡Ÿ≈§à“‡ªìπ‰ªμ“¡√“§“μ≈“¥·≈–‡ª√’¬∫

37.43 ≥ «—π∑’Ë 2. §à“∏√√¡‡π’¬¡°“√§È”ª√–°—π - 3,890.72 ‡∑’¬∫‰¥â°—∫¢π“¥¢Õß ‘π∑√—æ¬å·≈–∫√‘°“√

30 ∏—π«“§¡ 2552 ‡ß‘π°Ÿâ§â“ß®à“¬ Õâ“ßÕ‘ß„π°≈ÿà¡∫√‘…—∑ ¡’§«“¡ ¡‡Àμÿ ¡º≈

·≈–‡ªìπ‰ªμ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª

5. Financial One Corp / §à“∏√√¡‡π’¬¡°“√§È”ª√–°—π‡ß‘π°Ÿâ - §≥–°√√¡°“√μ√«® Õ∫ ‰¥â Õ∫∑“π·≈–

- ∫√‘…—∑∑’Ë‡°’Ë¬«¢âÕß°—∫ ÷Ëß∫√‘…—∑°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘πÕ◊Ëπ æ‘®“√≥“√“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ

ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑ 1. §à“∏√√¡‡π’¬¡°“√§È”ª√–°—π‡ß‘π°Ÿâ 4,932.97 156.37 «à“¡’¡Ÿ≈§à“‡ªìπ‰ªμ“¡√“§“μ≈“¥·≈–‡ª√’¬∫

(∫√‘…—∑ ‰™≈’ ‰ø·ππ´å 2. §à“∏√√¡‡π’¬¡°“√§È”ª√–°—π 4,932.97 156.37 ‡∑’¬∫‰¥â°—∫¢π“¥¢Õß ‘π∑√—æ¬å·≈–∫√‘°“√

®”°—¥ ·≈– ∫√‘…—∑ ‡Õ‡§ ‡ß‘π°Ÿâ§â“ß®à“¬ Õâ“ßÕ‘ß„π°≈ÿà¡∫√‘…—∑ ¡’§«“¡ ¡‡Àμÿ ¡º≈

‡ÕÁπ‡μÕ√å‰æ√å ·≈–‡ªìπ‰ªμ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª

(ª√–‡∑»‰∑¬) ®”°—¥)

6. °Õß∑ÿπ∫√‘À“√ ‘π∑√—æ¬å “∏√ √“¬®à“¬§à“‡™à“æ◊Èπ∑’Ë ‡§√◊ËÕßμ°·μàß - §≥–°√√¡°“√μ√«® Õ∫ ‰¥â Õ∫∑“π·≈–

´‘μ’È∑“«‡«Õ√å/ ”π—°ß“π ·≈–§à“∫√‘°“√¢Õß∫√‘…—∑ æ‘®“√≥“√“¬°“√¥—ß°≈à“«·≈â«¡’§«“¡‡ÀÁπ«à“

- ‡ªìπ°Õß∑ÿπ∑’Ë‡°’Ë¬«¢âÕß°—∫ ·≈–∫√‘…—∑¬àÕ¬ ¡’¡Ÿ≈§à“‡ªìπ‰ªμ“¡√“§“μ“¡ —≠≠“∑’Ë

∫®°.´‘μ’È‡√’¬≈μ’È ´÷Ëß 1. √“¬®à“¬§à“‡™à“æ◊Èπ∑’Ë ‡§√◊ËÕß 14,265.83 14,298.94 μ°≈ß°—π ¡’§«“¡ ¡‡Àμÿ ¡º≈·≈–‡ªìπ

∫®°.´‘μ’È‡√’¬≈μ’È ‡°’Ë¬«¢âÕß μ°·μàß ”π—°ß“π ·≈–§à“∫√‘°“√ ‰ªμ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª

°—∫ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑

§◊Õ∏π“§“√°√ÿß‡∑æ ®”°—¥

(¡À“™π)

7. °Õß∑ÿπ√«¡∫“ß°Õ°°“√å‡¥π∑å/ √“¬®à“¬§à“‡™à“æ◊Èπ∑’Ë®Õ¥√∂ ”À√—∫ - §≥–°√√¡°“√μ√«® Õ∫ ‰¥â Õ∫∑“π·≈–

- ‡ªìπ°Õß∑ÿπ∑’Ë‡°’Ë¬«¢âÕß°—∫ ∑√—æ¬å ‘π∑’Ë¬÷¥¢Õß∫√‘…—∑·≈– æ‘®“√≥“√“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ«à“

∫®°.´‘μ’È‡√’¬≈μ’È ´÷Ëß ∫√‘…—∑¬àÕ¬ ‚¥¬ —≠≠“¡’√–¬–‡«≈“ ¡’¡Ÿ≈§à“‡ªìπ‰ªμ“¡√“§“μ“¡ —≠≠“∑’Ë

∫®°. ‘μ’È‡√’¬≈μ’È ‡°’Ë¬«¢âÕß 1 ªï μ—Èß·μà«—π∑’Ë 1 æƒ»®‘°“¬π - μ°≈ß°—π ¡’§«“¡ ¡‡Àμÿ ¡º≈·≈–‡ªìπ‰ª

°—∫ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑ 31 μÿ≈“§¡ μ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª

§◊Õ ∏π“§“√°√ÿß‡∑æ ®”°—¥ 1. √“¬®à“¬§à“‡™à“æ◊Èπ∑’Ë 600.00 600.00

(¡À“™π)

∑’Ë¡“ : ß∫°“√‡ß‘π√«¡¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ªï 2551 - ªï 2552 μ√«® Õ∫‚¥¬ºŸâ Õ∫∫—≠™’

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

41

¿“æ√«¡¢Õßº≈°“√¥”‡π‘πß“π∑’Ëºà“π¡“

‡»√…∞°‘®‰∑¬‰¥â√—∫º≈°√–∑∫®“°«‘°ƒμ‘‡»√…∞°‘®‚≈°´÷Ëß‡°‘¥¢÷Èπ„π™à«ß‰μ√¡“ ÿ¥∑â“¬¢Õßªï 2551 ‚¥¬ àßº≈„Àâ‡»√…∞°‘®‰∑¬

‡¢â“ Ÿà ¿“«–∂¥∂Õ¬ Õ¬à“ß‰√°Áμ“¡„π™à«ß‰μ√¡“ ∑’Ë 4 ¢Õßªï 2552 ‡√‘Ë¡¡’ —≠≠“≥øóôπμ—« ·≈– àßº≈„Àâ„πªï 2552 º≈‘μ¿—≥±å¡«≈√«¡

„πª√–‡∑»¡’Õ—μ√“≈¥≈ß¡“Õ¬Ÿà∑’Ë√âÕ¬≈– -2.3 ‡ª√’¬∫‡∑’¬∫°—∫ªï 2551 ÷Ëß¡’Õ—μ√“°“√¢¬“¬μ—«√âÕ¬≈– 2.6 ¥â“π°“√ àßÕÕ° ÷Ëß‡ªìπ

·√ßº≈—°¥—πÀ≈—°¢Õß‡»√…∞°‘®‰∑¬ª√—∫μ—«≈¥≈ß√âÕ¬≈– 14 ®“°§«“¡μâÕß°“√ ‘π§â“®“°μà“ßª√–‡∑»∑’Ë≈¥≈ß ·≈– àßº≈„ÀâÕ—μ√“

°“√„™â°”≈—ß°“√º≈‘μ¢ÕßÕÿμ “À°√√¡≈¥≈ß¡“Õ¬Ÿà∑’Ë√âÕ¬≈– 62 ·≈–°“√≈ß∑ÿπ¿“§‡Õ°™π≈¥≈ß√âÕ¬≈– 13 πÕ°®“°π’È °“√‡≈‘°®â“ßß“π

®“°¿“§Õÿμ “À°√√¡·≈–§«“¡‰¡à¡’‡ ∂’¬√¿“æ∑“ß°“√‡¡◊Õß àßº≈„Àâ§«“¡‡™◊ËÕ¡—ËπºŸâ∫√‘‚¿§≈¥≈ß·≈–∑”„Àâ°“√∫√‘‚¿§¿“§‡Õ°™π

≈¥≈ß√âÕ¬≈– 1.1

®“°°“√∑’Ë∏π“§“√·Ààßª√–‡∑»‰∑¬§ß√–¥—∫Õ—μ√“¥Õ°‡∫’È¬„π√–¥—∫μË”∑’Ë√âÕ¬≈– 1.25 „πªï 2552 ‡ªìπ à«π„À≠à ª√–°Õ∫°—∫°“√

∑’Ë√—∞∫“≈æ¬“¬“¡‡æ‘Ë¡°“√„™â®à“¬ “∏“√≥–¿“¬„μâ‚§√ß°“√‰∑¬‡¢â¡·¢Áß ‡æ◊ËÕ‡ªìπ°“√°√–μÿâπ‡»√…∞°‘®‚¥¬√«¡¢Õßª√–‡∑»·≈–

‡»√…∞°‘®‚≈°∑’Ë§àÕ¬ Ê øóôπμ—«„π§√÷ËßªïÀ≈—ß àßº≈„Àâ‡»√…∞°‘®‰∑¬‡√‘Ë¡¡’ —≠≠“≥°“√øóôπμ—«„π‰μ√¡“ ∑’Ë 2 ·≈–∑”„Àâº≈‘μ¿—≥±å¡«≈√«¡

„πª√–‡∑»‡ªìπ∫«°‰¥â„π‰μ√¡“ ÿ¥∑â“¬¢Õßªï

¬Õ¥¢“¬√∂¬πμå„À¡à„πªï 2552 ≈¥≈ß®“°ªï 2551 √âÕ¬≈– 10.8 ®“°¬Õ¥¢“¬√«¡ 615,270 §—π„πªï 2551 ‡ªìπ¬Õ¥¢“¬√«¡

∑—Èßªï®”π«π 548,871 §—π„πªï 2552 ‚¥¬μ≈“¥√∂ªî°Õ—æ≈¥≈ß√âÕ¬≈– 17.5 ·≈–√∂¬πμå‡æ◊ËÕ°“√æ“≥‘™¬å≈¥≈ß√âÕ¬≈– 20.8 ¢≥–∑’Ë¬Õ¥

¢“¬√∂¬πμåπ—Ëß à«π∫ÿ§§≈‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 1.4 ”À√—∫¬Õ¥ ‘π‡™◊ËÕ≈’ ´‘Ëß·≈–·ø§μÕ√‘Ëß°Áª√—∫μ—«≈¥≈ß‡™àπ‡¥’¬«°—π Õ—π‡ªìπº≈®“°§«“¡

μâÕß°“√‡§√◊ËÕß®—°√·≈–§«“¡μâÕß°“√‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π∑’Ë≈¥≈ß„πÕÿμ “À°√√¡À≈—°Ê „π°“√ àßÕÕ° §◊Õ Õÿμ “À°√√¡Õ‘‡≈Á§‚∑√π‘§

Õÿμ “À°√√¡‡§√◊ËÕß„™â‰øøÑ“ ·≈–Õÿμ “À°√√¡¬“π¬πμå·≈–™‘Èπ à«π¬“π¬πμå

‡¡◊ËÕæ‘®“√≥“¿“æ√«¡¢Õßº≈°“√¥”‡π‘πß“π ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’°”‰√ ÿ∑∏‘ √«¡ 193.63 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 8.22

®“°ªï 2551 ´÷ËßÕ¬Ÿà∑’Ë 178.92 ≈â“π∫“∑ ‚¥¬¡’ “‡ÀμÿÀ≈—°¡“®“°¢¬“¬μ—«¢Õß√“¬‰¥â¥Õ°º≈®“°°“√„Àâ ‘π‡™◊ËÕ‡™à“ ◊ÈÕ·≈–§à“„™â®à“¬

∑“ß°“√‡ß‘π∑’Ë≈¥≈ß Õ—μ√“º≈μÕ∫·∑πμàÕ à«π¢ÕßºŸâ∂◊ÕÀÿâπ (ROE) ‡∑à“°—∫√âÕ¬≈– 11.00 „πªï 2552 ‡æ‘Ë¡¢÷Èπ‡¡◊ËÕ‡ª√’¬∫‡∑’¬∫°—∫√âÕ¬≈–

10.56 ·≈– ”À√—∫„πªï 2551 °”‰√μàÕÀÿâπ‡∑à“°—∫ 0.84 ∫“∑ ‡æ‘Ë¡¢÷Èπ®“°®”π«π 0.78 ∫“∑„πªï 2551

º≈°“√¥”‡π‘πß“π√“¬‰¥â

„πªï 2552 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’√“¬‰¥â√«¡‡∑à“°—∫ 1,193.80 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 4.01 ®“°ªï 2551 ´÷Ëß¡’√“¬‰¥â√«¡

‡∑à“°—∫ 1,147.74 ≈â“π∫“∑ ‚¥¬¡’√“¬‰¥âÀ≈—°®“°¥Õ°º≈‡™à“´◊ÈÕ §‘¥‡ªìπ√âÕ¬≈– 76.77 ¢Õß√“¬‰¥â√«¡ °“√ª√—∫μ—«‡æ‘Ë¡¢÷Èπ¥—ß°≈à“«

‡ªìπº≈¡“®“°°“√¢¬“¬æÕ√åμ¢Õß ‘π‡™◊ËÕ‡™à“ ◊ÈÕ ∑—Èß ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πμå à«π∫ÿ§§≈·≈–√∂¬πμå‡æ◊ËÕ°“√æ“≥‘™¬å ‚¥¬¡’≈Ÿ°Àπ’Èμ“¡

—≠≠“‡™à“´◊ÈÕ (°àÕπÀ—°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠) ≥ ‘Èπªï 2552 ‡∑à“°—∫ 10,935.85 ≈â“π∫“∑ ª√—∫μ—«‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 6.83 ®“°®”π«π

10,263.89 ≈â“π∫“∑ ≥ ‘Èπªï 2551

”À√—∫√“¬‰¥â®“° —≠≠“‡™à“°“√‡ß‘π·≈– —≠≠“‡™à“¥”‡π‘πß“π„πªï 2552 π—Èπ ¡’ —¥ à«π√âÕ¬≈– 5.47 ¢Õß√“¬‰¥â√«¡ ÷Ëß¡’

®”π«π‡∑à“°—∫ 65.26 ≈â“π∫“∑ ‚¥¬ª√—∫μ—«≈¥≈ß√âÕ¬≈– 8.77 ®“°®”π«π 71.53 ≈â“π∫“∑„πªï 2551

√“¬‰¥â®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß„πªï 2552 ´÷Ëß§‘¥‡ªìπ —¥ à«π√âÕ¬≈– 4.25 ¢Õß√“¬‰¥â√«¡¡’®”π«π‡∑à“°—∫ 50.77 ≈â“π∫“∑ À√◊Õ

ª√—∫μ—«≈¥≈ß√âÕ¬≈– 25.89 ®“°®”π«π 68.51 ≈â“π∫“∑„πªï 2551 ‡π◊ËÕß®“°ª√‘¡“≥¢Õß§«“¡μâÕß°“√‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π¢Õß

ºŸâª√–°Õ∫°“√∏ÿ√°‘®¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡∑’Ë≈¥≈ßμ“¡ ¿“«–‡»√…∞°‘®∑’Ë™–≈Õμ—«ª√–°Õ∫°—∫∫√‘…—∑„Àâ ‘π‡™◊ËÕÕ¬à“ß‡¢â¡ß«¥¡“°¢÷Èπ

„πªï∑’Ëºà“π¡“

§”Õ∏‘∫“¬·≈–°“√«‘‡§√“–Àå∞“π–∑“ß°“√‡ß‘π·≈–º≈°“√¥”‡π‘πß“π

42√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

πÕ°®“°π’È ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¬—ß¡’√“¬‰¥âÕ◊Ëπ®“° ‘π‡™◊ËÕ à«π∫ÿ§§≈ ‘π‡™◊ËÕ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå √“¬‰¥â®“°‡ß‘π„Àâ°Ÿâ¬◊¡

√“¬‰¥â§à“ª√—∫≈à“™â“ √“¬‰¥â®“°°“√·π–π”≈Ÿ°§â“‡°’Ë¬«°—∫¥â“πª√–°—π¿—¬ ‡ªìπμâπ ‚¥¬„πªï 2552 √“¬‰¥âÕ◊Ëπ¡’®”π«π‡∑à“°—∫ 161.33

≈â“π∫“∑ À√◊Õª√—∫μ—«≈¥≈ß√âÕ¬≈– 2.30 ®“°®”π«π‡∑à“°—∫ 165.13 ≈â“π∫“∑„πªï 2551

§à“„™â®à“¬

§à“„™â®à“¬√«¡ (√«¡Àπ’È Ÿ≠·≈–Àπ’È ß —¬®– Ÿ≠ §à“„™â®à“¬∑“ß°“√‡ß‘π·≈–¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈) ¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬„πªï 2552

¡’®”π«π 1,000.16 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 3.24 ®“°®”π«π 968.82 ≈â“π∫“∑„πªï 2551 ¥—ßπ’È

§à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√

„πªï 2552 §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ ¡’®”π«π‡∑à“°—∫ 373.38 ≈â“π∫“∑ §‘¥‡ªìπ√âÕ¬≈– 37.33 ¢Õß§à“„™â®à“¬√«¡ ·≈–

‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 4.56 ®“°®”π«π 357.09 ≈â“π∫“∑„πªï 2551 §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ à«π„À≠à ª√–°Õ∫¥â«¬ ‡ß‘π‡¥◊Õπ ‚∫π—

·≈–§à“„™â®à“¬æπ—°ß“π ÷Ëß§‘¥‡ªìπ√âÕ¬≈– 23.93 ¢Õß§à“„™â®à“¬√«¡ à«πÀπ’È Ÿ≠·≈–§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¡’®”π«π 113.85 ≈â“π∫“∑

§‘¥‡ªìπ√âÕ¬≈– 14.01 ¢Õß§à“„™â®à“¬√«¡

§à“„™â®à“¬∑“ß°“√‡ß‘π

§à“„™â®à“¬∑“ß°“√‡ß‘π‡ªìπμâπ∑ÿπÀ≈—°„π°“√¥”‡π‘π∏ÿ√°‘®¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ „πªï 2552 ¡’®”π«π‡∑à“°—∫ 419.04

≈â“π∫“∑ §‘¥‡ªìπ√âÕ¬≈– 41.90 ¢Õß§à“„™â®à“¬√«¡ ‚¥¬≈¥≈ß√âÕ¬≈– 6.59 ®“°®”π«π 448.58 ≈â“π∫“∑„πªï 2551 ‡π◊ËÕß®“°

Õ—μ√“¥Õ°‡∫’È¬®à“¬‡©≈’Ë¬≈¥≈ß®“°√âÕ¬≈– 4.74 „πªï 2551 ‡ªìπ√âÕ¬≈– 4.10 „πªï 2552

¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈

„πªï 2552 ¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈¡’®”π«π 93.89 ≈â“π∫“∑ À√◊Õ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 33.16 ®“°®”π«π 70.51 ≈â“π∫“∑„πªï 2551

‡ªìπº≈¡“®“°°”‰√°àÕπ¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈∑’Ë‡æ‘Ë¡¢÷Èπ®“°°“√¥”‡π‘πß“π

°”‰√ ÿ∑∏‘

„πªï 2552 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’°”‰√ ÿ∑∏‘À≈—ßÀ—°¿“…’‡∑à“°—∫ 193.63 ≈â“π∫“∑ À√◊Õ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 8.22 ®“°®”π«π 178.92

≈â“π∫“∑„πªï 2551 °”‰√μàÕÀÿâπ‡æ‘Ë¡¢÷Èπ®“° 0.78 ∫“∑μàÕÀÿâπ„πªï 2551 ‡ªìπ 0.84 ∫“∑μàÕÀÿâπ„πªï 2552 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬

¡’Õ—μ√“°”‰√ ÿ∑∏‘·≈–Õ—μ√“º≈μÕ∫·∑πμàÕºŸâ∂◊ÕÀÿâπ ”À√—∫ªï 2552 ∑’Ë√âÕ¬≈– 16.22 ·≈–√âÕ¬≈– 11.00 ‡ª√’¬∫‡∑’¬∫°—∫ªï 2551 ∑’Ë√âÕ¬≈–

15.60 ·≈–√âÕ¬≈– 10.56 μ“¡≈”¥—∫

∞“π–∑“ß°“√‡ß‘π ‘π∑√—æ¬å

≥ ‘Èπªï 2552 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’ ‘π∑√—æ¬å√«¡‡∑à“°—∫ 12,569.20 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 5.29 ®“°®”π«π 11,937.70

≈â“π∫“∑ ≥ ‘Èπªï 2551 ‚¥¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ÿ∑∏‘ ´÷Ëß‡ªìπ ‘π∑√—æ¬åÀ≈—°¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ §‘¥‡ªìπ —¥ à«π√âÕ¬≈–

86.09 ¢Õß ‘π∑√—æ¬å√«¡

®“°°“√∫√‘…—∑¡’ª√– ‘∑∏‘¿“æ„π°“√®—¥‡°Á∫Àπ’È∑’Ë¥’∑”„Àâ¢π“¥æÕ√åμ ‘π‡™◊ËÕ‡æ‘Ë¡¢÷Èπ√«¡∑—Èßº≈®“°°“√μ—¥Àπ’È Ÿ≠ ∫√‘…—∑·≈–

∫√‘…—∑¬àÕ¬¡’ ‘π‡™◊ËÕ∑’Ë‰¡à°àÕ„Àâ‡°‘¥√“¬‰¥â (NPLs) ≥ ‘Èπªï 2552 ¡’®”π«π‡∑à“°—∫ 92.18 ≈â“π∫“∑ À√◊Õ‡∑à“°—∫√âÕ¬≈– 0.75 ¢Õß¬Õ¥

≈Ÿ°Àπ’È√«¡ (°àÕπÀ—°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠) πÕ°®“°π’ÈÕ—μ√“ à«π§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ μàÕ ‘π‡™◊ËÕ∑’Ë‰¡à°àÕ„Àâ‡°‘¥√“¬‰¥â (NPLs) Õ¬Ÿà „π

Õ—μ√“ Ÿß∂÷ß√âÕ¬≈– 186.72 –∑âÕπ∂÷ß§«“¡‡æ’¬ßæÕ¢Õß°“√μ—Èß ”√Õß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

43

Àπ’È ‘π

∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’Àπ’È ‘π√«¡ ≥ ‘Èπªï 2552 ‡∑à“°—∫ 10,773.48 ≈â“π∫“∑ ‚¥¬¡’‡ß‘π°Ÿâ¬◊¡√«¡ 10,531.49 ≈â“π∫“∑ ´÷Ëß

ª√–°Õ∫¥â«¬‡ß‘π°Ÿâ¬◊¡√–¬– —Èπª√–‡¿∑ ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√

∑’Ë‡°’Ë¬«¢âÕß √«¡∑—Èß‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ®”π«π√«¡ 7,431.49 ≈â“π∫“∑ À√◊Õ§‘¥‡ªìπ√âÕ¬≈– 70.56 ¢Õß‡ß‘π°Ÿâ¬◊¡√«¡ Õ¬à“ß‰√°Áμ“¡

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ„π —¥ à«π∑’Ë Ÿß®–‰¡à¡’º≈°√–∑∫μàÕ ¿“æ§≈àÕß∑“ß°“√‡ß‘π¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ‡π◊ËÕß®“°‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ

∫“ß à«π¡“®“°°≈ÿà¡ºŸâ∂◊ÕÀÿâπ„À≠à´÷Ëß‡ªìπ ∂“∫—π°“√‡ß‘π¢π“¥„À≠à ´÷Ëß∑”„Àâ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ “¡“√∂∫√‘À“√μâπ∑ÿπ∑“ß°“√‡ß‘π

Õ¬à“ß¡’ª√– ‘∑∏‘¿“æ

ª√–‡¿∑Àπ’È ‘π ≥ «—π∑’Ë 31 ∏.§. 2552

®”π«π‡ß‘π (≈â“π∫“∑) √âÕ¬≈– (%)

‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π 3,161.49 30.02

- ‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘π∑’Ë‡°’Ë¬«¢âÕß°—π 180.52 1.71

- ‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘πÕ◊Ëπ 2,980.97 28.31

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π 60.00 0.57

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„π 1 ªï 2,000.00 18.99

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“° ∂“∫—π°“√‡ß‘π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„π 1 ªï 1,000.00 9.50

‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ 1,210.00 11.49

√«¡‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ 7,431.49 70.56

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π- ÿ∑∏‘®“° à«π∑’Ë∂÷ß°”Àπ¥™”√–„π 1 ªï 300.00 2.85

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“° ∂“∫—π°“√‡ß‘π 2,800.00 26.59

√«¡‡ß‘π°Ÿâ¬◊¡√–¬–¬“« 3,100.00 29.44

‡ß‘π°Ÿâ¬◊¡√«¡ 10,531.49 100.00

¿“æ§≈àÕß

≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 °”Àπ¥°“√®à“¬™”√–§◊π‡ß‘π°Ÿâ®“°¬Õ¥‡ß‘π°Ÿâ ·≈–‡ß‘π§à“ß«¥∑’Ë§“¥«à“®–‰¥â√—∫„π™à«ß√–¬–‡«≈“μà“ßÊ

“¡“√∂ √ÿª‰¥â¥—ßπ’È

√–¬–‡«≈“ °”Àπ¥™”√–§◊πÀπ’È‡ß‘π°Ÿâ¬◊¡ (≈â“π∫“∑) §à“ß«¥∑’Ë®–‰¥â√—∫™”√–®“°≈Ÿ°Àπ’È (≈â“π∫“∑)

¿“¬„π 1 ªï 7,431.49 5,952.01

‡°‘π°«à“ 1 ªï ·μà‰¡à‡°‘π 2 ªï 1,500.00 3,803.18

‡°‘π°«à“ 2 ªï ·μà‰¡à‡°‘π 3 ªï 1,600.00 2,377.75

‡°‘π°«à“ 3 ªï - 1,651.41

≈Ÿ°Àπ’ÈÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â - 100.03

√«¡ 10,531.49 13,884.38

44√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

®“° à«πμà“ß√–À«à“ß§à“ß«¥∑’Ë®–‰¥â√—∫™”√–¿“¬„π 1 ªï ·≈–°”Àπ¥™”√–§◊πÀπ’È‡ß‘π°Ÿâ¬◊¡¿“¬„π 1 ªï ®”π«π 1,479.48

≈â“π∫“∑¢â“ßμâπ Õ“®°≈à“«‰¥â«à“ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬‰¡à¡’º≈°√–∑∫„π‡√◊ËÕß ¿“æ§≈àÕß∑“ß°“√‡ß‘π‡π◊ËÕß®“°‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ∫“ß à«π

‡ªìπ‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘π ∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π®”π«π 2,240.52 ≈â“π∫“∑ À√◊Õ§‘¥‡ªìπ√âÕ¬≈– 30.15 ¢Õß‡ß‘π°Ÿâ¬◊¡∑’Ë

§√∫°”Àπ¥™”√–¿“¬„π 1 ªï πÕ°®“°π’È ®“°Õ¥’μ∑’Ëºà“π¡“ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬®—¥«à“‡ªìπ≈Ÿ°§â“™—Èπ¥’¢Õß ∂“∫—π°“√‡ß‘πμà“ßÊ ´÷Ëß‰¡à

‡§¬∂Ÿ°‡√’¬°§◊π‡ß‘π°Ÿâ°àÕπ°”Àπ¥·≈– “¡“√∂μàÕÕ“¬ÿ —≠≠“‡ß‘π°Ÿâ¡“‚¥¬μ≈Õ¥·¡â„π™à«ß¿“«–«‘°ƒμ‡»√…∞°‘®¢Õßª√–‡∑» πÕ°®“°π’È ∫√‘…—∑

·≈–∫√‘…—∑¬àÕ¬¬—ß¡’«ß‡ß‘π ‘π‡™◊ËÕ§ß‡À≈◊Õ®“° ∂“∫—π°“√‡ß‘πÕ◊ËπÕ’°ª√–¡“≥ 2,708 ≈â“π∫“∑‰«â ”√Õß ´÷Ëß –∑âÕπ„Àâ‡ÀÁπ§«“¡‡æ’¬ßæÕ

¢Õß ¿“æ§≈àÕß∑“ß°“√‡ß‘π¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ Õ¬à“ß‰√°Áμ“¡ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¬—ß§ßª√—∫ª√ÿß‚§√ß √â“ß·À≈àß∑’Ë¡“¢Õß

‡ß‘π∑ÿπ„Àâ‡À¡“– ¡¢÷Èπ ‚¥¬∑¬Õ¬ª√—∫‡ª≈’Ë¬π°“√°Ÿâ¬◊¡‡ß‘π√–¬– —Èπ„Àâ‡ªìπ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«„Àâ¡“°¢÷Èπ‡æ◊ËÕ√—°…“ à«πμà“ßÕ—μ√“¥Õ°‡∫’È¬

‰¡à„Àâº—πº«π¡“° √«¡∂÷ß¡’π‚¬∫“¬°√–®“¬§«“¡‡ ’Ë¬ß„π‡√◊ËÕß¢Õß·À≈àß‡ß‘π∑ÿπ·À≈àß„À¡àπÕ°®“°‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘π ‡™àπ

ºà“πμ≈“¥μ√“ “√Àπ’È ‡ªìπμâπ

à«π¢ÕßºŸâ∂◊ÕÀÿâπ

≥ ‘Èπªï 2552 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’ à«π¢ÕßºŸâ∂◊ÕÀÿâπ‡∑à“°—∫ 1,795.72 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 4.02 ®“°®”π«π 1,726.29

≈â“π∫“∑ ≥ ‘Èπªï 2551 ‚¥¬¡’∑ÿπ™”√–·≈â«®”π«π 1,150 ≈â“π∫“∑·≈–¡’°”‰√ – ¡‡∑à“°—∫ 500.34 ≈â“π∫“∑ ∑—Èßπ’È ªí®®—¬À≈—°

∑’Ë∑”„Àâ à«π¢ÕßºŸâ∂◊ÕÀÿâπ‡æ‘Ë¡¢÷Èπ‡°‘¥¢÷Èπ®“°°”‰√ ÿ∑∏‘¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬

§à“μÕ∫·∑π¢ÕßºŸâ Õ∫∫—≠™’

„πªï 2552 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬®à“¬§à“μÕ∫·∑π¢ÕßºŸâ Õ∫∫—≠™’ ¥—ßπ’È

1. §à“μÕ∫·∑π®“°°“√ Õ∫∫—≠™’ „Àâ·°à

ë ”π—°ß“πºŸâ Õ∫∫—≠™’ „π√Õ∫∫—≠™’∑’Ëºà“π¡“¡’®”π«π√«¡ 2,860,000 ∫“∑

ë ∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—∫ºŸâ Õ∫∫—≠™’·≈– ”π—°ß“π Õ∫∫—≠™’∑’ËºŸâ Õ∫∫—≠™’ —ß°—¥„π√Õ∫∫—≠™’∑’Ëºà“π¡“

®”π«π√«¡ 0 ∫“∑

2. §à“∫√‘°“√Õ◊Ëπ

∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬®à“¬§à“μÕ∫·∑π¢Õßß“π∫√‘°“√Õ◊Ëπ ´÷Ëß‰¥â·°à §à“„™â®à“¬„π°“√®—¥ àß‡Õ° “√ §à“‡¥‘π∑“ß §à“„™â®à“¬

Õ◊ËπÊ ‡ªìπμâπ „Àâ·°à

ë ”π—°ß“πºŸâ Õ∫∫—≠™’¢Õß∫√‘…—∑ „π√Õ∫∫—≠™’∑’Ëºà“π¡“®”π«π√«¡ 75,827 ∫“∑

ë ∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—∫ºŸâ Õ∫∫—≠™’·≈– ”π—°ß“π Õ∫∫—≠™’∑’ËºŸâ Õ∫∫—≠™’ —ß°—¥ „π√Õ∫∫—≠™’∑’Ëºà“π¡“

®”π«π√«¡ 0 ∫“∑

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

45

‡ πÕμàÕºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

¢â“æ‡®â“‰¥âμ√«® Õ∫ß∫¥ÿ≈√«¡ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ß∫°”‰√¢“¥∑ÿπ√«¡ ß∫· ¥ß°“√‡ª≈’Ë¬π·ª≈ß à«π

¢ÕßºŸâ∂◊ÕÀÿâπ√«¡·≈–ß∫°√–· ‡ß‘π ¥√«¡ ”À√—∫ªï ‘Èπ ÿ¥«—π‡¥’¬«°—π¢Õß·μà≈–ªï¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–

∫√‘…—∑¬àÕ¬ ·≈–‰¥âμ√«® Õ∫ß∫°“√‡ß‘π‡©æ“–°‘®°“√¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ¥â«¬‡™àπ°—π ´÷ËßºŸâ∫√‘À“√¢Õß

°‘®°“√‡ªìπºŸâ√—∫º‘¥™Õ∫μàÕ§«“¡∂Ÿ°μâÕß·≈–§√∫∂â«π¢Õß¢âÕ¡Ÿ≈„πß∫°“√‡ß‘π‡À≈à“π’È à«π¢â“æ‡®â“‡ªìπºŸâ√—∫º‘¥™Õ∫„π°“√· ¥ß§«“¡

‡ÀÁπμàÕß∫°“√‡ß‘π¥—ß°≈à“«®“°º≈°“√μ√«® Õ∫¢Õß¢â“æ‡®â“

¢â“æ‡®â“‰¥âªØ‘∫—μ‘ß“πμ√«® Õ∫μ“¡¡“μ√∞“π°“√ Õ∫∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª ÷Ëß°”Àπ¥„Àâ¢â“æ‡®â“μâÕß«“ß·ºπ·≈–ªØ‘∫—μ‘ß“π

‡æ◊ËÕ„Àâ‰¥â§«“¡‡™◊ËÕ¡—ËπÕ¬à“ß¡’‡Àμÿº≈«à“ß∫°“√‡ß‘π· ¥ß¢âÕ¡Ÿ≈∑’Ë¢—¥μàÕ¢âÕ‡∑Á®®√‘ßÕ—π‡ªìπ “√– ”§—≠À√◊Õ‰¡à °“√μ√«® Õ∫√«¡∂÷ß

°“√„™â«‘∏’°“√∑¥ Õ∫À≈—°∞“πª√–°Õ∫√“¬°“√∑—Èß∑’Ë‡ªìπ®”π«π‡ß‘π·≈–°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈„πß∫°“√‡ß‘π °“√ª√–‡¡‘π§«“¡‡À¡“– ¡

¢ÕßÀ≈—°°“√∫—≠™’∑’Ë°‘®°“√„™â·≈–ª√–¡“≥°“√‡°’Ë¬«°—∫√“¬°“√∑“ß°“√‡ß‘π∑’Ë‡ªìπ “√– ”§—≠ ´÷ËßºŸâ∫√‘À“√‡ªìπºŸâ®—¥∑”¢÷Èπ μ≈Õ¥®π°“√

ª√–‡¡‘π∂÷ß§«“¡‡À¡“– ¡¢Õß°“√· ¥ß√“¬°“√∑’Ëπ”‡ πÕ„πß∫°“√‡ß‘π‚¥¬√«¡ ¢â“æ‡®â“‡™◊ËÕ«à“°“√μ√«® Õ∫¥—ß°≈à“«„Àâ¢âÕ √ÿª∑’Ë‡ªìπ

‡°≥±åÕ¬à“ß‡À¡“– ¡„π°“√· ¥ß§«“¡‡ÀÁπ¢Õß¢â“æ‡®â“

¢â“æ‡®â“‡ÀÁπ«à“ ß∫°“√‡ß‘π¢â“ßμâππ’È· ¥ß∞“π–°“√‡ß‘π ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 º≈°“√¥”‡π‘πß“π·≈–

°√–· ‡ß‘π ¥ ”À√—∫ªï ‘Èπ ÿ¥«—π‡¥’¬«°—π¢Õß·μà≈–ªï¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬ ·≈–‡©æ“–¢Õß

∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ‚¥¬∂Ÿ°μâÕßμ“¡∑’Ë§«√„π “√– ”§—≠μ“¡À≈—°°“√∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª

«‘ ÿμ“ ®√‘¬∏π“°√

ºŸâ Õ∫∫—≠™’√—∫Õπÿ≠“μ ‡≈¢∑–‡∫’¬π 3853

∫√‘…—∑ ”π—°ß“π ‡Õ‘π å∑ ·Õπ¥å ¬—ß ®”°—¥

°√ÿß‡∑æœ: 29 ¡°√“§¡ 2553

√“¬ß“π¢ÕßºŸâ Õ∫∫—≠™’√—∫Õπÿ≠“μ

46√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

ß∫¥ÿ≈

∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬

≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551

À¡“¬‡Àμÿª√–°Õ∫ß∫°“√‡ß‘π‡ªìπ à«πÀπ÷Ëß¢Õßß∫°“√‡ß‘ππ’È

(Àπà«¬: ∫“∑)ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

À¡“¬‡Àμÿ 2552 2551 2552 2551

‘π∑√—æ¬å

‘π∑√—æ¬åÀ¡ÿπ‡«’¬π

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ 21, 22 237,170,865 61,100,218 156,051,981 27,008,382

‡ß‘π≈ß∑ÿπ™—Ë«§√“« 1,725,750 1,240,200 1,725,750 1,240,200

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“ ◊ÈÕ∑’Ë∂÷ß°”Àπ¥

™”√–¿“¬„πÀπ÷Ëßªï - ÿ∑∏‘ 6 4,149,888,865 3,959,987,204 3,754,196,699 3,459,149,979

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π∑’Ë∂÷ß°”Àπ¥

™”√–¿“¬„πÀπ÷Ëßªï - ÿ∑∏‘ 7 309,827,074 355,508,079 - -

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß∑’Ë∂÷ß°”Àπ¥

™”√–¿“¬„πÀπ÷Ëßªï - ÿ∑∏‘ 8 632,275,420 784,996,122 - -

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï - ÿ∑∏‘ 9 23,640,927 22,493,958 19,930,417 17,544,442

‘π∑√—æ¬å√Õ°“√¢“¬ - ÿ∑∏‘ 11 38,280,337 25,346,118 24,172,986 19,738,318

‘π∑√—æ¬åÀ¡ÿπ‡«’¬πÕ◊Ëπ 114,203,506 119,984,181 94,233,312 92,729,545

√«¡ ‘π∑√—æ¬åÀ¡ÿπ‡«’¬π 5,507,012,744 5,330,656,080 4,050,311,145 3,617,410,866

‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬π

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“ ◊ÈÕ - ÿ∑∏‘®“° à«π∑’Ë

∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 6 6,671,464,620 6,159,611,167 6,418,987,190 5,819,483,278

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π - ÿ∑∏‘®“° à«π∑’Ë

∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 7 303,585,235 367,439,994 - -

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘®“° à«π∑’Ë

∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 8 - 5,908,797 - -

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ - ÿ∑∏‘®“° à«π∑’Ë∂÷ß°”Àπ¥™”√–

¿“¬„πÀπ÷Ëßªï 9 4,187,723 5,426,621 - -

‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬ 12 - - 446,913,607 446,913,607

‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ - ÿ∑∏‘ 13 298,240 311,040 - -

∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å - ÿ∑∏‘ 14 38,674,897 31,604,108 33,811,641 23,670,071

‘π∑√—æ¬å‰¡à¡’μ—«μπ - ÿ∑∏‘ 15 23,484,882 19,809,448 19,297,949 15,529,331

‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ - ÿ∑∏‘ 16 20,487,616 16,936,704 3,927,336 3,807,796

√«¡ ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬π 7,062,183,213 6,607,047,879 6,922,937,723 6,309,404,083

√«¡ ‘π∑√—æ¬å 12,569,195,957 11,937,703,959 10,973,248,868 9,926,814,949

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

47

ß∫¥ÿ≈ (μàÕ)

∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬

≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551


(Àπà«¬: ∫“∑)ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

À¡“¬‡Àμÿ 2552 2551 2552 2551

Àπ’È ‘π·≈– à«π¢ÕßºŸâ∂◊ÕÀÿâπ

Àπ’È ‘πÀ¡ÿπ‡«’¬π

‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∏π“§“√ 17, 21 3,161,489,113 5,562,598,883 2,541,830,137 4,259,566,928

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π 21 60,000,000 60,000,000 - -

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 21 2,000,000,000 - 1,500,000,000 -

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√

∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 19 1,000,000,000 800,000,000 1,000,000,000 800,000,000

‡®â“Àπ’È∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π 21 5,413,999 21,056,009 4,312,662 10,533,805

‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ 18 1,210,000,000 10,000,000 1,210,000,000 10,000,000

ª√–¡“≥°“√Àπ’È ‘π√–¬– —Èπ®“°°“√§È”ª√–°—π 20 - 22,000,000 - -

Àπ’È ‘πÀ¡ÿπ‡«’¬πÕ◊Ëπ 236,575,312 235,763,009 171,985,578 163,205,081

√«¡Àπ’È ‘πÀ¡ÿπ‡«’¬π 7,673,478,424 6,711,417,901 6,428,128,377 5,243,305,814

Àπ’È ‘π‰¡àÀ¡ÿπ‡«’¬π

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

- ÿ∑∏‘®“° à«π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 21 300,000,000 2,000,000,000 - 1,500,000,000

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√ 19 2,800,000,000 1,500,000,000 2,800,000,000 1,500,000,000

√«¡Àπ’È ‘π‰¡àÀ¡ÿπ‡«’¬π 3,100,000,000 3,500,000,000 2,800,000,000 3,000,000,000

√«¡Àπ’È ‘π 10,773,478,424 10,211,417,901 9,228,128,377 8,243,305,814

48√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2


ß∫¥ÿ≈ (μàÕ)

∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬

≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551

(Àπà«¬: ∫“∑)ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

À¡“¬‡Àμÿ 2552 2551 2552 2551

à«π¢ÕßºŸâ∂◊ÕÀÿâπ

∑ÿπ‡√◊ÕπÀÿâπ

∑ÿπ®¥∑–‡∫’¬π

Àÿâπ “¡—≠ 230,000,000 Àÿâπ ¡Ÿ≈§à“Àÿâπ≈– 5 ∫“∑ 1,150,000,000 1,150,000,000 1,150,000,000 1,150,000,000

∑ÿπ∑’ËÕÕ°·≈–™”√–·≈â«

Àÿâπ “¡—≠ 230,000,000 Àÿâπ ¡Ÿ≈§à“Àÿâπ≈– 5 ∫“∑ 1,150,000,000 1,150,000,000 1,150,000,000 1,150,000,000

à«π‡°‘π¡Ÿ≈§à“Àÿâπ 141,185,450 141,185,450 141,185,450 141,185,450

º≈μà“ß®“°°“√ª√—∫‚§√ß √â“ßºŸâ∂◊ÕÀÿâπ 4,188,003 4,188,003 - -

°”‰√ – ¡

®—¥ √√·≈â« - ”√Õßμ“¡°ÆÀ¡“¬ 23 47,349,725 38,059,157 47,349,725 38,059,157

¬—ß‰¡à‰¥â®—¥ √√ 452,994,355 392,853,448 406,585,316 354,264,528

√«¡ à«π¢ÕßºŸâ∂◊ÕÀÿâπ 1,795,717,533 1,726,286,058 1,745,120,491 1,683,509,135

√«¡Àπ’È ‘π·≈– à«π¢ÕßºŸâ∂◊ÕÀÿâπ 12,569,195,957 11,937,703,959 10,973,248,868 9,926,814,949

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

49

ß∫°”‰√¢“¥∑ÿπ

∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬

”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551

(Àπà«¬: ∫“∑)ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

À¡“¬‡Àμÿ 2552 2551 2552 2551

√“¬‰¥â

√“¬‰¥â®“°¥Õ°º≈‡™à“ ◊ÈÕ 916,434,627 842,565,803 834,182,186 744,279,413

√“¬‰¥â®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 50,773,331 68,511,319 - -

√“¬‰¥â®“° —≠≠“‡™à“°“√‡ß‘π 65,259,132 71,530,461 - -

√“¬‰¥â¥Õ°‡∫’È¬®“°‡ß‘π„Àâ°Ÿâ¬◊¡ 3,120,658 5,027,063 3,359,599 4,060,763

√“¬‰¥â®“°§à“ª√—∫≈à“™â“ 44,732,729 38,223,152 38,960,276 36,058,869

√“¬‰¥â®“°°“√·π–π”≈Ÿ°§â“‡°’Ë¬«°—∫ª√–°—π¿—¬ 56,290,411 58,312,572 53,629,685 55,062,181

‡ß‘πªíπº≈√—∫ 46,800 46,800 46,800 53,982,283

√“¬‰¥âÕ◊Ëπ 57,137,497 63,521,286 43,271,785 47,490,873

√«¡√“¬‰¥â 1,193,795,185 1,147,738,456 973,450,331 940,934,382

§à“„™â®à“¬

§à“„™â®à“¬„π°“√¢“¬ 71,018,655 67,879,761 56,497,398 53,180,187

§à“„™â®à“¬„π°“√∫√‘À“√ 265,067,827 251,982,885 203,386,692 197,394,897

ª√–¡“≥°“√Àπ’È ‘π®“°°“√§È”ª√–°—π - 22,000,000 - -

Àπ’È Ÿ≠·≈–Àπ’È ß —¬®– Ÿ≠ 113,853,852 70,632,800 68,234,453 55,762,720

§à“μÕ∫·∑πºŸâ∫√‘À“√ 37,292,584 37,229,327 30,554,802 30,720,119

√«¡§à“„™â®à“¬ 487,232,918 449,724,773 358,673,345 337,057,923

°”‰√°àÕπ§à“„™â®à“¬∑“ß°“√‡ß‘π·≈–¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈ 706,562,267 698,013,683 614,776,986 603,876,459

§à“„™â®à“¬∑“ß°“√‡ß‘π 21 (419,044,649) (448,584,161) (357,355,404) (362,346,568)

°”‰√°àÕπ¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈ 287,517,618 249,429,522 257,421,582 241,529,891

¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈ (93,886,143) (70,507,220) (71,610,226) (47,728,079)

°”‰√ ÿ∑∏‘ ”À√—∫ªï 193,631,475 178,922,302 185,811,356 193,801,812

°”‰√μàÕÀÿâπ¢—Èπæ◊Èπ∞“π 25

°”‰√ ÿ∑∏‘ 0.84 0.78 0.81 0.84


50√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

ß∫· ¥ß°“√‡ª≈’Ë¬π·ª≈ß à«π¢ÕßºŸâ∂◊ÕÀÿâπ

∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬

”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551

(Àπà«¬: ∫“∑)ß∫°“√‡ß‘π√«¡

°”‰√ – ¡

∑ÿπ‡√◊ÕπÀÿâπ à«π‡°‘π º≈μà“ß®“°°“√ ®—¥ √√·≈â« -

∑’ËÕÕ° ¡Ÿ≈§à“Àÿâπ ª√—∫‚§√ß √â“ß ”√Õß ¬—ß‰¡à‰¥â

À¡“¬‡Àμÿ ·≈–™”√–·≈â« ºŸâ∂◊ÕÀÿâπ μ“¡°ÆÀ¡“¬ ®—¥ √√ √«¡

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2550 1,150,000,000 141,185,450 4,188,003 28,369,067 338,621,236 1,662,363,756

°”‰√ ÿ∑∏‘ ”À√—∫ªï - - - - 178,922,302 178,922,302

”√Õßμ“¡°ÆÀ¡“¬ - - - 9,690,090 (9,690,090) -

‡ß‘πªíπº≈®à“¬ 28 - - - - (115,000,000) (115,000,000)

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 1,150,000,000 141,185,450 4,188,003 38,059,157 392,853,448 1,726,286,058

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 1,150,000,000 141,185,450 4,188,003 38,059,157 392,853,448 1,726,286,058

°”‰√ ÿ∑∏‘ ”À√—∫ªï - - - - 193,631,475 193,631,475

”√Õßμ“¡°ÆÀ¡“¬ - - - 9,290,568 (9,290,568) -

‡ß‘πªíπº≈®à“¬ 28 - - - - (124,200,000) (124,200,000)

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 1,150,000,000 141,185,450 4,188,003 47,349,725 452,994,355 1,795,717,533


∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

51

ß∫· ¥ß°“√‡ª≈’Ë¬π·ª≈ß à«π¢ÕßºŸâ∂◊ÕÀÿâπ

∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬

”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551

(Àπà«¬: ∫“∑)ß∫°“√‡ß‘π‡©æ“–°‘®°“√

°”‰√ – ¡

∑ÿπ‡√◊ÕπÀÿâπ ®—¥ √√·≈â« -

∑’ËÕÕ° à«π‡°‘π ”√Õß ¬—ß‰¡à‰¥â

À¡“¬‡Àμÿ ·≈–™”√–·≈â« ¡Ÿ≈§à“Àÿâπ μ“¡°ÆÀ¡“¬ ®—¥ √√ √«¡

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2550 1,150,000,000 141,185,450 28,369,067 285,152,806 1,604,707,323

°”‰√ ÿ∑∏‘ ”À√—∫ªï - - - 193,801,812 193,801,812

”√Õßμ“¡°ÆÀ¡“¬ - - 9,690,090 (9,690,090) -

‡ß‘πªíπº≈®à“¬ 28 - - - (115,000,000) (115,000,000)

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 1,150,000,000 141,185,450 38,059,157 354,264,528 1,683,509,135

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 1,150,000,000 141,185,450 38,059,157 354,264,528 1,683,509,135

°”‰√ ÿ∑∏‘ ”À√—∫ªï - - - 185,811,356 185,811,356

”√Õßμ“¡°ÆÀ¡“¬ - - 9,290,568 (9,290,568) -

‡ß‘πªíπº≈®à“¬ 28 - - - (124,200,000) (124,200,000)

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 1,150,000,000 141,185,450 47,349,725 406,585,316 1,745,120,491


52√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

ß∫°√–· ‡ß‘π ¥

∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬

”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551

(Àπà«¬: ∫“∑)ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

2552 2551 2552 2551

°√–· ‡ß‘π ¥®“°°‘®°√√¡¥”‡π‘πß“π

°”‰√ ÿ∑∏‘°àÕπ¿“…’ 287,517,618 249,429,522 257,421,582 241,529,891

√“¬°“√ª√—∫°√–∑∫¬Õ¥°”‰√ ÿ∑∏‘‡ªìπ‡ß‘π ¥√—∫ (®à“¬)

®“°°‘®°√√¡¥”‡π‘πß“π:

Àπ’È Ÿ≠·≈–§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ 113,853,852 70,632,800 68,234,453 55,762,720

ª√–¡“≥°“√Àπ’È ‘π®“°°“√§È”ª√–°—π - 22,000,000 - -

§à“‡º◊ËÕ°“√≈¥¡Ÿ≈§à“¢Õß ‘π∑√—æ¬å√Õ°“√¢“¬ 14,374,579 5,615,463 6,977,129 3,985,155

§à“‡º◊ËÕ°“√≈¥¡Ÿ≈§à“¢Õß‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ 12,800 17,280 - -

§à“‡ ◊ËÕ¡√“§“ 12,427,212 12,941,364 9,101,349 9,569,020

§à“μ—¥®”Àπà“¬ ‘π∑√—æ¬å‰¡à¡’μ—«μπ 1,901,799 616,258 1,808,598 523,059

(°”‰√) ¢“¥∑ÿπ®“°°“√ª√—∫¡Ÿ≈§à“‡ß‘π≈ß∑ÿπ (485,550) 1,129,050 (485,550) 1,129,050

°”‰√®“°°“√®”Àπà“¬Õÿª°√≥å (1,833,206) (767,954) (529,327) (288,953)

√“¬‰¥â¥Õ°‡∫’È¬ (1,035,587,748) (987,634,646) (837,541,785) (748,340,176)

§à“„™â®à“¬¥Õ°‡∫’È¬ 410,986,388 441,303,100 351,135,091 356,906,361

‡ß‘πªíπº≈√—∫ (46,800) (46,800) (46,800) (53,982,283)

¢“¥∑ÿπ®“°°“√¥”‡π‘πß“π°àÕπ°“√‡ª≈’Ë¬π·ª≈ß„π ‘π∑√—æ¬å

·≈–Àπ’È ‘π¥”‡π‘πß“π (196,879,056) (184,764,563) (143,925,260) (133,206,156)

‘π∑√—æ¬å¥”‡π‘πß“π (‡æ‘Ë¡¢÷Èπ) ≈¥≈ß

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ (722,064,657) (1,020,455,929) (912,606,304) (1,072,160,649)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π 96,918,001 (45,792,187) - -

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 156,387,616 (16,854,730) - -

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ (1,661,838) 28,693,561 (4,159,725) 28,693,561

‘π∑√—æ¬å√Õ°“√¢“¬ (45,975,485) (40,923,895) (30,210,827) (41,896,164)

‘π∑√—æ¬åÀ¡ÿπ‡«’¬πÕ◊Ëπ 13,974,190 3,681,738 7,889,339 (16,564,637)

‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ (85,873,845) (40,997,996) (31,285,358) (10,796,115)

Àπ’È ‘π¥”‡π‘πß“π‡æ‘Ë¡¢÷Èπ (≈¥≈ß)

‡®â“Àπ’È∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π (15,642,010) 12,203,947 (6,221,143) 4,221,455

Àπ’È ‘πÀ¡ÿπ‡«’¬πÕ◊Ëπ (4,766,313) 8,640,441 (8,455,477) 23,924,927

‡ß‘π«“ßª√–°—π°“√‡™à“ - (5,000,000) - -

‡ß‘π ¥„™â‰ª„π°‘®°√√¡¥”‡π‘πß“π (805,583,397) (1,301,569,613) (1,128,974,755) (1,217,783,778)

¥Õ°‡∫’È¬√—∫ 1,044,556,926 984,167,447 844,024,786 748,872,306

¥Õ°‡∫’È¬®à“¬ (435,362,821) (429,826,259) (365,966,576) (352,221,314)

®à“¬¿“…’‡ß‘π‰¥â (80,432,020) (65,681,189) (55,234,312) (53,182,411)

‡ß‘π ¥ ÿ∑∏‘„™â‰ª„π°‘®°√√¡¥”‡π‘πß“π (276,821,312) (812,909,614) (706,150,857) (874,315,197)


∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

53

ß∫°√–· ‡ß‘π ¥ (μàÕ)

∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬

”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551

(Àπà«¬: ∫“∑)ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

2552 2551 2552 2551

°√–· ‡ß‘π ¥®“°°‘®°√√¡≈ß∑ÿπ

´◊ÈÕÕÿª°√≥å·≈–¬“πæ“Àπ– (18,205,473) (5,891,861) (17,895,580) (5,516,707)

´◊ÈÕ ‘π∑√—æ¬å‰¡à¡’μ—«μπ (5,577,216) (775,680) (5,577,216) (775,680)

‡ß‘π ¥√—∫®“°°“√®”Àπà“¬Õÿª°√≥å·≈–¬“πæ“Àπ– 1,937,617 1,236,570 557,243 476,758

‡ß‘πªíπº≈√—∫ 46,800 46,800 46,800 53,982,283

‡ß‘π ¥ ÿ∑∏‘‰¥â¡“®“° („™â‰ª„π) °‘®°√√¡≈ß∑ÿπ (21,798,272) (5,384,171) (22,868,753) 48,166,654

°√–· ‡ß‘π ¥®“°°‘®°√√¡®—¥À“‡ß‘π

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∏π“§“√‡æ‘Ë¡¢÷Èπ (≈¥≈ß) (2,429,972,019) (65,055,805) (1,740,000,000) 215,000,000

‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ‡æ‘Ë¡¢÷Èπ (≈¥≈ß) 1,200,000,000 (40,000,000) 1,200,000,000 (40,000,000)

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π‡æ‘Ë¡¢÷Èπ 300,000,000 600,000,000 - 300,000,000

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√‡æ‘Ë¡¢÷Èπ 2,300,000,000 500,000,000 2,300,000,000 500,000,000

®à“¬™”√–‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√ (800,000,000) - (800,000,000) -

‡ß‘πªíπº≈®à“¬ (124,200,000) (115,000,000) (124,200,000) (115,000,000)

‡ß‘π ¥ ÿ∑∏‘‰¥â¡“®“°°‘®°√√¡®—¥À“‡ß‘π 445,827,981 879,944,195 835,800,000 860,000,000

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥‡æ‘Ë¡¢÷Èπ ÿ∑∏‘ 147,208,397 61,650,410 106,780,390 33,851,457

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥μâπªï 29,444,226 (32,206,184) (2,558,546) (36,410,003)

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ª≈“¬ªï (À¡“¬‡Àμÿ 22) 176,652,623 29,444,226 104,221,844 (2,558,546)


54√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

1. ¢âÕ¡Ÿ≈∑—Ë«‰ª∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ( ÷ËßμàÕ‰ªπ’È‡√’¬°«à“ ç∫√‘…—∑œé) ®—¥μ—Èß¢÷Èπ‡ªìπ∫√‘…—∑¡À“™π·≈–¡’

¿Ÿ¡‘≈”‡π“„πª√–‡∑»‰∑¬ ∫√‘…—∑œ¡’∫√‘…—∑ ‰™≈’ ‰ø·ππ´å ®”°—¥ ·≈–∫√‘…—∑ ‡Õ ‡§ ‡ÕÁπ‡μÕ√å‰æ√ å (ª√–‡∑»‰∑¬) ®”°—¥

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∏ÿ√°‘®À≈—°¢Õß∫√‘…—∑œ §◊Õ°“√„Àâ∫√‘°“√‡™à“ ◊ÈÕ√∂¬πμå ∑’ËÕ¬Ÿà¢Õß∫√‘…—∑œμ“¡∑’Ë®¥∑–‡∫’¬πμ—ÈßÕ¬Ÿà ≥ ‡≈¢∑’Ë 175 Õ“§“√ “∏√´‘μ’È

∑“«‡«Õ√å ™—Èπ 24 ∂ππ “∑√„μâ ·¢«ß∑ÿàß¡À“‡¡¶ ‡¢μ “∑√ °√ÿß‡∑æ¡À“π§√

2. ‡°≥±å„π°“√®—¥∑”ß∫°“√‡ß‘π2.1 ß∫°“√‡ß‘ππ’È®—¥∑”¢÷Èπμ“¡¡“μ√∞“π°“√∫—≠™’∑’Ë°”Àπ¥„πæ√–√“™∫—≠≠—μ‘«‘™“™’æ∫—≠™’ æ.». 2547 ·≈–°“√· ¥ß

√“¬°“√„πß∫°“√‡ß‘π‰¥â∑”¢÷Èπ‡æ◊ËÕ„Àâ‡ªìπ‰ªμ“¡¢âÕ°”Àπ¥„πª√–°“»°√¡æ—≤π“∏ÿ√°‘®°“√§â“≈ß«—π∑’Ë 30 ¡°√“§¡

2552 ÕÕ°μ“¡§«“¡„πæ√–√“™∫—≠≠—μ‘°“√∫—≠™’ æ.». 2543

ß∫°“√‡ß‘π©∫—∫¿“…“‰∑¬‡ªìπß∫°“√‡ß‘π©∫—∫∑’Ë∫√‘…—∑œ„™â‡ªìπ∑“ß°“√μ“¡°ÆÀ¡“¬ ß∫°“√‡ß‘π©∫—∫¿“…“

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2.2 ‡°≥±å„π°“√®—¥∑”ß∫°“√‡ß‘π√«¡

°) ß∫°“√‡ß‘π√«¡π’È‰¥â®—¥∑”¢÷Èπ‚¥¬√«¡ß∫°“√‡ß‘π¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑

¬àÕ¬¥—ßμàÕ‰ªπ’È

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®—¥μ—Èß¢÷Èπ Õ—μ√“√âÕ¬≈– √«¡Õ¬Ÿà„π ‘π∑√—æ¬å√«¡ Õ¬Ÿà„π√“¬‰¥â√«¡ ”À√—∫ªï

∫√‘…—∑¬àÕ¬ ≈—°…≥–∏ÿ√°‘® „πª√–‡∑» ¢Õß°“√∂◊ÕÀÿâπ ≥ «—π∑’Ë 31 ∏—π«“§¡ ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡

2552 2551 2552 2551 2552 2551

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∫√‘…—∑ °√ÿß‡∑æ·°√π¥å ‡™à“ ◊ÈÕ ≈’ ‘Ëß ‰∑¬ 99.99 99.99 16.25 20.59 19.73 24.53

·ª ‘øî§≈’ ·≈–√—∫´◊ÈÕ ‘∑∏‘

®”°—¥ (¡À“™π) ‡√’¬°√âÕß®“°≈Ÿ°Àπ’È

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¢Õß∫√‘…—∑œ

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‘π∑√—æ¬å ÿ∑∏‘¢Õß∫√‘…—∑¬àÕ¬·≈–√“§“∑ÿπ∑’Ë®à“¬´◊ÈÕ®”π«π 4.2 ≈â“π∫“∑ ‡ªìπ√“¬°“√„π à«π¢ÕßºŸâ∂◊ÕÀÿâπ

À¡“¬‡Àμÿª√–°Õ∫ß∫°“√‡ß‘π√«¡

∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬

”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

55

2.3 ∫√‘…—∑œ ‰¥â®—¥∑”ß∫°“√‡ß‘π‡©æ“–°‘®°“√‡æ◊ËÕª√–‚¬™πåμàÕ “∏“√≥– ´÷Ëß· ¥ß‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬μ“¡«‘∏’√“§“∑ÿπ

3. °“√ª√–°“»„™â¡“μ√∞“π°“√∫—≠™’„À¡à„π‡¥◊Õπ¡‘∂ÿπ“¬π 2552 ¿“«‘™“™’æ∫—≠™’‰¥âÕÕ°ª√–°“» ¿“«‘™“™’æ∫—≠™’ ©∫—∫∑’Ë 12/2552 ‡√◊ËÕß °“√®—¥‡≈¢√–∫ÿ©∫—∫

¡“μ√∞“π°“√∫—≠™’¢Õß‰∑¬„Àâμ√ßμ“¡¡“μ√∞“π°“√∫—≠™’√–À«à“ßª√–‡∑» ¥—ßπ—Èπ °“√Õâ“ßÕ‘ß‡≈¢¡“μ√∞“π°“√∫—≠™’„π

ß∫°“√‡ß‘ππ’È‰¥â∂◊ÕªØ‘∫—μ‘μ“¡ª√–°“» ¿“«‘™“™’æ∫—≠™’©∫—∫¥—ß°≈à“«

¿“«‘™“™’æ∫—≠™’‰¥âÕÕ°ª√–°“» ¿“«‘™“™’æ∫—≠™’ ©∫—∫∑’Ë 86/2551 ·≈–©∫—∫∑’Ë 16/2552 „Àâ„™â¡“μ√∞“π°“√∫—≠™’

¡“μ√∞“π°“√√“¬ß“π∑“ß°“√‡ß‘π·≈–·π«ªØ‘∫—μ‘∑“ß°“√∫—≠™’„À¡à¥—ßμàÕ‰ªπ’È

3.1 ¡“μ√∞“π°“√∫—≠™’ ¡“μ√∞“π°“√√“¬ß“π∑“ß°“√‡ß‘π ·≈–·π«ªØ‘∫—μ‘∑“ß°“√∫—≠™’∑’Ë¡’º≈∫—ß§—∫„™â„πªïªí®®ÿ∫—π·¡à∫∑°“√∫—≠™’ (ª√—∫ª√ÿß 2550)

¡“μ√∞“π°“√∫—≠™’©∫—∫∑’Ë 36 (ª√—∫ª√ÿß 2550) °“√¥âÕ¬§à“¢Õß ‘π∑√—æ¬å

¡“μ√∞“π°“√√“¬ß“π∑“ß°“√‡ß‘π©∫—∫∑’Ë 5 (ª√—∫ª√ÿß 2550) ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬π∑’Ë∂◊Õ‰«â‡æ◊ËÕ¢“¬·≈–°“√¥”‡π‘πß“π

∑’Ë¬°‡≈‘°

·π«ªØ‘∫—μ‘∑“ß°“√∫—≠™’ ”À√—∫°“√∫—π∑÷° ‘∑∏‘°“√‡™à“

·π«ªØ‘∫—μ‘∑“ß°“√∫—≠™’ ”À√—∫°“√√«¡∏ÿ√°‘®¿“¬„μâ°“√§«∫§ÿ¡‡¥’¬«°—π

¡“μ√∞“π°“√∫—≠™’ ¡“μ√∞“π°“√√“¬ß“π∑“ß°“√‡ß‘π·≈–·π«ªØ‘∫—μ‘∑“ß°“√∫—≠™’¢â“ßμâπ∂◊ÕªØ‘∫—μ‘°—∫

ß∫°“√‡ß‘π ”À√—∫√Õ∫√–¬–‡«≈“∫—≠™’∑’Ë‡√‘Ë¡„πÀ√◊ÕÀ≈—ß«—π∑’Ë 1 ¡°√“§¡ 2552 ‡ªìπμâπ‰ª ΩÉ“¬∫√‘À“√¢Õß∫√‘…—∑œ

‰¥âª√–‡¡‘π·≈â«‡ÀÁπ«à“¡“μ√∞“π°“√√“¬ß“π∑“ß°“√‡ß‘π ©∫—∫∑’Ë 5 (ª√—∫ª√ÿß 2550) ·π«ªØ‘∫—μ‘∑“ß°“√∫—≠™’ ”À√—∫

‘∑∏‘°“√‡™à“ ·≈–·π«ªØ‘∫—μ‘∑“ß°“√∫—≠™’ ”À√—∫°“√√«¡∏ÿ√°‘®¿“¬„μâ°“√§«∫§ÿ¡‡¥’¬«°—π ‰¡à‡°’Ë¬«‡π◊ËÕß°—∫∏ÿ√°‘®¢Õß

∫√‘…—∑œ à«π·¡à∫∑°“√∫—≠™’ (ª√—∫ª√ÿß 2550) ·≈–¡“μ√∞“π°“√∫—≠™’©∫—∫∑’Ë 36 (ª√—∫ª√ÿß 2550) ‰¡à¡’º≈°√–∑∫

Õ¬à“ß‡ªìπ “√– ”§—≠μàÕß∫°“√‡ß‘π ”À√—∫ªïªí®®ÿ∫—π

3.2 ¡“μ√∞“π°“√∫—≠™’∑’Ë¬—ß‰¡à¡’º≈∫—ß§—∫„™â„πªïªí®®ÿ∫—π«—π∑’Ë¡’º≈∫—ß§—∫„™â

¡“μ√∞“π°“√∫—≠™’©∫—∫∑’Ë 20 °“√∫—≠™’ ”À√—∫‡ß‘πÕÿ¥Àπÿπ®“°√—∞∫“≈ 1 ¡°√“§¡ 2555

·≈–°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈‡°’Ë¬«°—∫

§«“¡™à«¬‡À≈◊Õ®“°√—∞∫“≈

¡“μ√∞“π°“√∫—≠™’©∫—∫∑’Ë 24 °“√‡ªî¥‡º¬¢âÕ¡Ÿ≈‡°’Ë¬«°—∫∫ÿ§§≈À√◊Õ 1 ¡°√“§¡ 2554

(ª√—∫ª√ÿß 2550) °‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

¡“μ√∞“π°“√∫—≠™’©∫—∫∑’Ë 40 Õ —ßÀ“√‘¡∑√—æ¬å‡æ◊ËÕ°“√≈ß∑ÿπ 1 ¡°√“§¡ 2554

Õ¬à“ß‰√°Áμ“¡ °‘®°“√ “¡“√∂π”¡“μ√∞“π°“√∫—≠™’©∫—∫∑’Ë 24 (ª√—∫ª√ÿß 2550) ·≈–¡“μ√∞“π°“√∫—≠™’©∫—∫∑’Ë40 ¡“∂◊ÕªØ‘∫—μ‘°àÕπ°”Àπ¥‰¥â

ΩÉ“¬∫√‘À“√¢Õß∫√‘…—∑œ ‰¥âª√–‡¡‘π·≈â«‡ÀÁπ«à“¡“μ√∞“π°“√∫—≠™’©∫—∫∑’Ë 20 ·≈–¡“μ√∞“π°“√∫—≠™’©∫—∫∑’Ë 40

‰¡à‡°’Ë¬«‡π◊ËÕß°—∫∏ÿ√°‘®¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ à«π¡“μ√∞“π°“√∫—≠™’©∫—∫∑’Ë 24 (ª√—∫ª√ÿß 2550) ®–‰¡à¡’

º≈°√–∑∫Õ¬à“ß‡ªìπ “√– ”§—≠μàÕß∫°“√‡ß‘π ”À√—∫ªï∑’Ë‡√‘Ë¡„™â¡“μ√∞“π°“√∫—≠™’¥—ß°≈à“«

56√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

4. π‚¬∫“¬°“√∫—≠™’∑’Ë ”§—≠4.1 °“√√—∫√Ÿâ√“¬‰¥â

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¢) √“¬‰¥â®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß

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ß) √“¬‰¥â®“°§à“ª√—∫≈à“™â“

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4.2 ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥„πß∫¥ÿ≈ À¡“¬∂÷ß ‡ß‘π ¥·≈–‡ß‘πΩ“°∏π“§“√ ·≈–‡ß‘π≈ß∑ÿπ√–¬– —Èπ∑’Ë¡’

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4.3 ≈Ÿ°Àπ’È·≈–§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ —≠≠“‡™à“°“√‡ß‘π ≈Ÿ°Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·≈–≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ · ¥ß¥â«¬

®”π«πÀπ’È§ß‡À≈◊Õμ“¡ —≠≠“À—°¥â«¬¥Õ°º≈‡™à“´◊ÈÕ·≈–¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â·≈–§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠

∫√‘…—∑œ μ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ”À√—∫≈Ÿ°Àπ’È‡™à“´◊ÈÕ·≈–≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡μ“¡º≈¢“¥∑ÿπ‚¥¬ª√–¡“≥∑’ËÕ“®®–‡°Á∫‡ß‘π®“°≈Ÿ°Àπ’È‰¡à‰¥â ‚¥¬æ‘®“√≥“®“° ∂“π–ªí®®ÿ∫—π¢Õß≈Ÿ°Àπ’È§ß§â“ß §«“¡ “¡“√∂„π°“√™”√–Àπ’È¢Õß≈Ÿ°Àπ’Èª√– ∫°“√≥å·≈–¢âÕ¡Ÿ≈§«“¡‡ ’¬À“¬∑’Ë‡°‘¥¢÷Èπ®√‘ß„πÕ¥’μ

∫√‘…—∑¬àÕ¬μ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ”À√—∫≈Ÿ°Àπ’È‡™à“ ◊ÈÕ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡·≈–

≈Ÿ°Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß ÷Ëß‡ªìπÀπ’È∑’Ë‡°‘¥®“° ‘π‡™◊ËÕ‡æ◊ËÕ°“√æ“≥‘™¬å (Commercial loan) ‚¥¬æ‘®“√≥“®“° ∂“π–·≈–§«“¡ “¡“√∂„π°“√™”√–Àπ’È¢Õß≈Ÿ°Àπ’È·≈–¡Ÿ≈§à“À≈—°ª√–°—π

4.4 ‘π∑√—æ¬å√Õ°“√¢“¬ ‘π∑√—æ¬å√Õ°“√¢“¬‡ªìπ ‘π∑√—æ¬å´÷Ëß‰¥â¬÷¥¡“®“°≈Ÿ°Àπ’È‡™à“´◊ÈÕ·≈–≈Ÿ°Àπ’È —≠≠“‡™à“°“√‡ß‘π ·≈–‰¥â· ¥ß‰«â„π

√“§“∑ÿπ (´÷Ëß à«π„À≠àª√–°Õ∫¥â«¬§à“ß«¥∑’Ë§â“ß™”√– ÿ∑∏‘) À√◊Õ¡Ÿ≈§à“ ÿ∑∏‘∑’Ë§“¥«à“®–¢“¬‰¥â·≈â«·μà√“§“„¥®–μË”°«à“‚¥¬°“√μ—Èß§à“‡º◊ËÕ¡Ÿ≈§à“≈¥≈ß ”À√—∫ ‘π∑√—æ¬å∑’Ë¬÷¥§◊π

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

57

4.5 ‡ß‘π≈ß∑ÿπ‡ß‘π≈ß∑ÿπ„πÀ≈—°∑√—æ¬å‡æ◊ËÕ§â“· ¥ßμ“¡¡Ÿ≈§à“¬ÿμ‘∏√√¡ ∫√‘…—∑œ ∫—π∑÷°°“√‡ª≈’Ë¬π·ª≈ß¡Ÿ≈§à“¢ÕßÀ≈—°∑√—æ¬å

‡ªìπ√“¬°“√°”‰√À√◊Õ¢“¥∑ÿπ„πß∫°”‰√¢“¥∑ÿπ

¡Ÿ≈§à“¬ÿμ‘∏√√¡¢ÕßÀ≈—°∑√—æ¬å „π§«“¡μâÕß°“√¢Õßμ≈“¥§”π«≥®“°√“§“‡ πÕ´◊ÈÕÀ≈—ß ÿ¥ ≥ ‘Èπ«—π∑”°“√ ÿ¥∑â“¬¢Õßªï¢Õßμ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬

‡ß‘π≈ß∑ÿπ„πμ√“ “√∑ÿπ∑’Ë‰¡àÕ¬Ÿà „π§«“¡μâÕß°“√¢Õßμ≈“¥∂◊Õ‡ªìπ‡ß‘π≈ß∑ÿπ∑—Ë«‰ª´÷Ëß· ¥ß„π√“§“∑ÿπ ÿ∑∏‘®“°§à“‡º◊ËÕ°“√¥âÕ¬§à“ (∂â“¡’)

‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬∑’Ë· ¥ßÕ¬Ÿà „πß∫°“√‡ß‘π‡©æ“–°‘®°“√· ¥ß¡Ÿ≈§à“μ“¡«‘∏’√“§“∑ÿπ

∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬„™â«‘∏’∂—«‡©≈’Ë¬∂à«ßπÈ”Àπ—°„π°“√§”π«≥μâπ∑ÿπ¢Õß‡ß‘π≈ß∑ÿπ

4.6 ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å ·≈–§à“‡ ◊ËÕ¡√“§“∑’Ë¥‘π· ¥ß¡Ÿ≈§à“μ“¡√“§“∑ÿπ Õ“§“√·≈–Õÿª°√≥å· ¥ß¡Ÿ≈§à“μ“¡√“§“∑ÿπÀ—°¥â«¬§à“‡ ◊ËÕ¡√“§“ – ¡·≈–

§à“‡º◊ËÕ°“√¥âÕ¬§à“ (∂â“¡’) §à“‡ ◊ËÕ¡√“§“¢ÕßÕ“§“√·≈–Õÿª°√≥å§”π«≥®“°√“§“∑ÿπ¢Õß ‘π∑√—æ¬å‚¥¬«‘∏’‡ âπμ√ßμ“¡Õ“¬ÿ°“√„™âß“π‚¥¬ª√–¡“≥¥—ßμàÕ‰ªπ’È

Õ“§“√ 20 ªï‡§√◊ËÕßμ°·μàß μ‘¥μ—Èß·≈–Õÿª°√≥å ”π—°ß“π 5 ªï¬“πæ“Àπ– 5 ªï

§à“‡ ◊ËÕ¡√“§“√«¡Õ¬Ÿà „π°“√§”π«≥º≈°“√¥”‡π‘πß“π

‰¡à¡’°“√§‘¥§à“‡ ◊ËÕ¡√“§“ ”À√—∫∑’Ë¥‘π·≈– à«πª√—∫ª√ÿßÕ“§“√√–À«à“ß°àÕ √â“ß

4.7 ‘π∑√—æ¬å‰¡à¡’μ—«μπ ‘π∑√—æ¬å∑’Ë‰¡à¡’μ—«μπ· ¥ßμ“¡√“§“∑ÿπÀ—°§à“μ—¥®”Àπà“¬ – ¡·≈–§à“‡º◊ËÕ°“√¥âÕ¬§à“ (∂â“¡’) §à“μ—¥®”Àπà“¬

¢Õß ‘π∑√—æ¬å∑’Ë‰¡à¡’μ—«μπ§”π«≥®“°√“§“∑ÿπ¢Õß ‘π∑√—æ¬å ‚¥¬«‘∏’‡ âπμ√ßμ“¡Õ“¬ÿ°“√„Àâª√–‚¬™πå‚¥¬ª√–¡“≥¢Õß ‘π∑√—æ¬å‰¡à¡’μ—«μπ¥—ßμàÕ‰ªπ’È

‚ª√·°√¡§Õ¡æ‘«‡μÕ√å 10 ªï

§à“μ—¥®”Àπà“¬√«¡Õ¬Ÿà „π°“√§”π«≥º≈°“√¥”‡π‘πß“π

‰¡à¡’°“√§‘¥§à“μ—¥®”Àπà“¬ ”À√—∫‚ª√·°√¡§Õ¡æ‘«‡μÕ√å√–À«à“ßμ‘¥μ—Èß

4.8 √“¬°“√∏ÿ√°‘®°—∫∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π°—∫∫√‘…—∑œ À¡“¬∂÷ß ∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë¡’Õ”π“®§«∫§ÿ¡∫√‘…—∑œ À√◊Õ∂Ÿ°

§«∫§ÿ¡‚¥¬∫√‘…—∑œ ‰¡à«à“®–‡ªìπ‚¥¬∑“ßμ√ßÀ√◊Õ∑“ßÕâÕ¡ À√◊ÕÕ¬Ÿà¿“¬„μâ°“√§«∫§ÿ¡‡¥’¬«°—π°—∫∫√‘…—∑œ

πÕ°®“°π’È∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π¬—ßÀ¡“¬√«¡∂÷ß∫√‘…—∑√à«¡·≈–∫ÿ§§≈ ÷Ëß¡’Õ‘∑∏‘æ≈Õ¬à“ß‡ªìπ

“√– ”§—≠°—∫∫√‘…—∑œ ºŸâ∫√‘À“√ ”§—≠ °√√¡°“√À√◊Õæπ—°ß“π¢Õß∫√‘…—∑œ ∑’Ë¡’Õ”π“®„π°“√«“ß·ºπ·≈–§«∫§ÿ¡°“√¥”‡π‘πß“π¢Õß∫√‘…—∑œ

58√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

4.9 —≠≠“‡™à“√–¬–¬“«∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬„π∞“π–ºŸâ„Àâ‡™à“

—≠≠“‡™à“∑’Ë§«“¡‡ ’Ë¬ß·≈–º≈μÕ∫·∑π¢Õß§«“¡‡ªìπ‡®â“¢Õß à«π„À≠à‰¥â‚Õπ‰ª„ÀâºŸâ‡™à“∂◊Õ‡ªìπ —≠≠“‡™à“°“√‡ß‘π

∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–∫—π∑÷°≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“ ◊ÈÕ·≈– —≠≠“‡™à“°“√‡ß‘π¥â«¬®”π«π‡ß‘π≈ß∑ÿπ ÿ∑∏‘ √“¬‰¥â®“° —≠≠“‡™à“°“√‡ß‘π®–√—∫√Ÿâ¥â«¬Õ—μ√“º≈μÕ∫·∑π∑’Ë·∑â®√‘ßμ“¡√–¬–‡«≈“¢Õß —≠≠“‡™à“

μâπ∑ÿπ∑“ßμ√ß∑’Ë‡°‘¥¢÷Èπ®“° —≠≠“‡™à“ ◊ÈÕ ‡™àπ §à“π“¬Àπâ“®à“¬ ‡ªìπμâπ √«¡§”π«≥Õ¬Ÿà „π®”π«π‡ß‘π≈ß∑ÿπ ÿ∑∏‘·≈–√«¡„π°“√§”π«≥Õ—μ√“º≈μÕ∫·∑π∑’Ë·∑â®√‘ß

—≠≠“‡™à“∑’Ë∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¬—ß§ß¡’§«“¡‡ ’Ë¬ß·≈–‰¥â√—∫º≈μÕ∫·∑π¢Õß§«“¡‡ªìπ‡®â“¢Õß à«π„À≠à

∂◊Õ‡ªìπ —≠≠“‡™à“¥”‡π‘πß“π

4.10 ‡ß‘πμ√“μà“ßª√–‡∑»√“¬°“√∑’Ë‡ªìπ‡ß‘πμ√“μà“ßª√–‡∑»·ª≈ß§à“‡ªìπ‡ß‘π∫“∑‚¥¬„™âÕ—μ√“·≈°‡ª≈’Ë¬π ≥ «—π∑’Ë‡°‘¥√“¬°“√ ‘π∑√—æ¬å·≈–

Àπ’È ‘π∑’Ë‡ªìπμ—«‡ß‘π ÷ËßÕ¬Ÿà„π °ÿ≈‡ß‘πμ√“μà“ßª√–‡∑»‰¥â·ª≈ß§à“‡ªìπ‡ß‘π∫“∑‚¥¬„™âÕ—μ√“·≈°‡ª≈’Ë¬π ≥ «—π∑’Ë„πß∫¥ÿ≈

°”‰√·≈–¢“¥∑ÿπ∑’Ë‡°‘¥®“°°“√‡ª≈’Ë¬π·ª≈ß„πÕ—μ√“·≈°‡ª≈’Ë¬π√«¡Õ¬Ÿà„π°“√§”π«≥º≈°“√¥”‡π‘πß“π

4.11 °“√¥âÕ¬§à“¢Õß ‘π∑√—æ¬å∑ÿ°«—π∑’Ë „πß∫¥ÿ≈ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–∑”°“√ª√–‡¡‘π°“√¥âÕ¬§à“¢Õß∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥åÀ√◊Õ

‘π∑√—æ¬å∑’Ë‰¡à¡’μ—«μπÕ◊Ëπ¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬À“°¡’¢âÕ∫àß™’È«à“ ‘π∑√—æ¬å¥—ß°≈à“«Õ“®¥âÕ¬§à“ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬√—∫√Ÿâ¢“¥∑ÿπ®“°°“√¥âÕ¬§à“‡¡◊ËÕ¡Ÿ≈§à“∑’Ë§“¥«à“®–‰¥â√—∫§◊π¢Õß ‘π∑√—æ¬å¡’¡Ÿ≈§à“μË”°«à“¡Ÿ≈§à“μ“¡∫—≠™’

¢Õß ‘π∑√—æ¬åπ—Èπ ∑—Èßπ’È¡Ÿ≈§à“∑’Ë§“¥«à“®–‰¥â√—∫§◊πÀ¡“¬∂÷ß¡Ÿ≈§à“¬ÿμ‘∏√√¡À—°μâπ∑ÿπ„π°“√¢“¬¢Õß ‘π∑√—æ¬åÀ√◊Õ¡Ÿ≈§à“®“°°“√„™â ‘π∑√—æ¬å·≈â«·μà√“§“„¥®– Ÿß°«à“ „π°“√ª√–‡¡‘π¡Ÿ≈§à“®“°°“√„™â ‘π∑√—æ¬å ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ª√–¡“≥°“√°√–· ‡ß‘π ¥„πÕπ“§μ∑’Ë°‘®°“√§“¥«à“®–‰¥â√—∫®“° ‘π∑√—æ¬å·≈–§”π«≥§‘¥≈¥‡ªìπ¡Ÿ≈§à“ªí®®ÿ∫—π‚¥¬„™âÕ—μ√“

§‘¥≈¥°àÕπ¿“…’∑’Ë –∑âÕπ∂÷ß°“√ª√–‡¡‘π§«“¡‡ ’Ë¬ß„π ¿“æμ≈“¥ªí®®ÿ∫—π¢Õß‡ß‘π ¥μ“¡√–¬–‡«≈“·≈–§«“¡‡ ’Ë¬ß ÷Ëß‡ªìπ≈—°…≥–‡©æ“–¢Õß ‘π∑√—æ¬å∑’Ë°”≈—ßæ‘®“√≥“Õ¬Ÿà „π°“√ª√–‡¡‘π¡Ÿ≈§à“¬ÿμ‘∏√√¡À—°μâπ∑ÿπ„π°“√¢“¬ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬„™â·∫∫®”≈Õß°“√ª√–‡¡‘π¡Ÿ≈§à“∑’Ë¥’∑’Ë ÿ¥´÷Ëß‡À¡“– ¡°—∫ ‘π∑√—æ¬å ´÷Ëß –∑âÕπ∂÷ß®”π«π‡ß‘π∑’Ë°‘®°“√ “¡“√∂

®–‰¥â¡“®“°°“√®”Àπà“¬ ‘π∑√—æ¬åÀ—°¥â«¬μâπ∑ÿπ„π°“√®”Àπà“¬ ‚¥¬°“√®”Àπà“¬π—ÈπºŸâ´◊ÈÕ°—∫ºŸâ¢“¬¡’§«“¡√Õ∫√Ÿâ·≈–‡μÁ¡„®„π°“√·≈°‡ª≈’Ë¬π·≈– “¡“√∂μàÕ√Õß√“§“°—π‰¥âÕ¬à“ß‡ªìπÕ‘ √–„π≈—°…≥–¢ÕßºŸâ∑’Ë‰¡à¡’§«“¡‡°’Ë¬«¢âÕß°—π

∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–√—∫√Ÿâ√“¬°“√¢“¥∑ÿπ®“°°“√¥âÕ¬§à“„πß∫°”‰√¢“¥∑ÿπ

4.12 º≈ª√–‚¬™πåæπ—°ß“π∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬√—∫√Ÿâ ‡ß‘π‡¥◊Õπ §à“®â“ß ‚∫π— ·≈–‡ß‘π ¡∑∫°Õß∑ÿπª√–°—π —ß§¡·≈–°Õß∑ÿπ ”√Õß‡≈’È¬ß

™’æ‡ªìπ§à“„™â®à“¬‡¡◊ËÕ‡°‘¥√“¬°“√

4.13 ¿“…’‡ß‘π‰¥â∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬∫—π∑÷°¿“…’‡ß‘π‰¥â‚¥¬§”π«≥®“°°”‰√ ÿ∑∏‘∑“ß¿“…’μ“¡°ÆÀ¡“¬¿“…’Õ“°√

4.14 ª√–¡“≥°“√Àπ’È ‘π∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–∫—π∑÷°ª√–¡“≥°“√Àπ’È ‘π‰«â „π∫—≠™’‡¡◊ËÕ¿“√–ºŸ°æ—π´÷Ëß‡ªìπº≈¡“®“°‡Àμÿ°“√≥å„π

Õ¥’μ‰¥â‡°‘¥¢÷Èπ·≈â« ·≈–¡’§«“¡‡ªìπ‰ª‰¥â§àÕπ¢â“ß·πàπÕπ«à“∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–‡ ’¬∑√—æ¬“°√‡™‘ß‡»√…∞°‘®‰ª‡æ◊ËÕª≈¥‡ª≈◊ÈÕß¿“√–ºŸ°æ—ππ—Èπ ·≈–∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ “¡“√∂ª√–¡“≥¡Ÿ≈§à“¿“√–ºŸ°æ—ππ—Èπ‰¥âÕ¬à“ßπà“‡™◊ËÕ∂◊Õ

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

59

4.15 —≠≠“·≈°‡ª≈’Ë¬πÕ—μ√“¥Õ°‡∫’È¬∫√‘…—∑œ √—∫√Ÿâ®”π«π ÿ∑∏‘¢Õß¥Õ°‡∫’È¬∑’Ë‰¥â√—∫®“°/®à“¬„Àâ·°à§Ÿà —≠≠“μ“¡ —≠≠“·≈°‡ª≈’Ë¬πÕ—μ√“¥Õ°‡∫’È¬‡ªìπ√“¬‰¥â/

§à“„™â®à“¬„πß∫°”‰√¢“¥∑ÿπμ“¡‡°≥±å§ß§â“ß

5. °“√„™â¥ÿ≈¬æ‘π‘®·≈–ª√–¡“≥°“√∑“ß∫—≠™’∑’Ë ”§—≠„π°“√®—¥∑”ß∫°“√‡ß‘πμ“¡¡“μ√∞“π°“√∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª ΩÉ“¬∫√‘À“√®”‡ªìπμâÕß„™â¥ÿ≈¬æ‘π‘®·≈–°“√ª√–¡“≥°“√

„π‡√◊ËÕß∑’Ë¡’§«“¡‰¡à·πàπÕπ‡ ¡Õ °“√„™â¥ÿ≈¬æ‘π‘®·≈–°“√ª√–¡“≥°“√¥—ß°≈à“«π’È àßº≈°√–∑∫μàÕ®”π«π‡ß‘π∑’Ë· ¥ß„π

ß∫°“√‡ß‘π·≈–μàÕ¢âÕ¡Ÿ≈∑’Ë· ¥ß„πÀ¡“¬‡Àμÿª√–°Õ∫ß∫°“√‡ß‘π º≈∑’Ë‡°‘¥¢÷Èπ®√‘ßÕ“®·μ°μà“ß‰ª®“°®”π«π∑’Ëª√–¡“≥°“√‰«â

°“√„™â¥ÿ≈¬æ‘π‘®·≈–°“√ª√–¡“≥°“√∑’Ë ”§—≠¡’¥—ßπ’È

—≠≠“‡™à“

„π°“√æ‘®“√≥“ª√–‡¿∑¢Õß —≠≠“‡™à“«à“‡ªìπ —≠≠“‡™à“¥”‡π‘πß“πÀ√◊Õ —≠≠“‡™à“∑“ß°“√‡ß‘π ΩÉ“¬∫√‘À“√‰¥â„™â

¥ÿ≈¬æ‘π‘®„π°“√ª√–‡¡‘π‡ß◊ËÕπ‰¢·≈–√“¬≈–‡Õ’¬¥¢Õß —≠≠“‡æ◊ËÕæ‘®“√≥“«à“∫√‘…—∑œ‰¥â‚ÕπÀ√◊Õ√—∫‚Õπ§«“¡‡ ’Ë¬ß·≈–

º≈ª√–‚¬™πå„π ‘π∑√—æ¬å∑’Ë‡™à“¥—ß°≈à“«·≈â«À√◊Õ‰¡à

§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß≈Ÿ°Àπ’È

„π°“√ª√–¡“≥§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß≈Ÿ°Àπ’È ΩÉ“¬∫√‘À“√®”‡ªìπμâÕß„™â¥ÿ≈¬æ‘π‘®„π°“√ª√–¡“≥°“√º≈¢“¥∑ÿπ∑’Ë

§“¥«à“®–‡°‘¥¢÷Èπ®“°≈Ÿ°Àπ’È ‚¥¬§”π÷ß∂÷ßª√– ∫°“√≥å°“√‡°Á∫‡ß‘π„πÕ¥’μ Õ“¬ÿ¢ÕßÀπ’È∑’Ë§ß§â“ß·≈– ¿“«–‡»√…∞°‘®∑’Ë‡ªìπÕ¬Ÿà„π

¢≥–π—Èπ ‡ªìπμâπ

¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π„π°“√ª√–‡¡‘π¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π∑’Ë‰¡à¡’°“√´◊ÈÕ¢“¬„πμ≈“¥·≈–‰¡à “¡“√∂À“√“§“‰¥â„πμ≈“¥

´◊ÈÕ¢“¬§≈àÕß ΩÉ“¬∫√‘À“√μâÕß„™â¥ÿ≈¬æ‘π‘®„π°“√ª√–¡“≥¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π¥—ß°≈à“« ‚¥¬„™â‡∑§π‘§·≈–

·∫∫®”≈Õß°“√ª√–‡¡‘π¡Ÿ≈§à“ ´÷Ëßμ—«·ª√∑’Ë „™â „π·∫∫®”≈Õß‰¥â¡“®“°°“√‡∑’¬∫‡§’¬ß°—∫μ—«·ª√∑’Ë¡’Õ¬Ÿà„πμ≈“¥ ‚¥¬§”π÷ß∂÷ß

¿“æ§≈àÕß ¢âÕ¡Ÿ≈§«“¡ —¡æ—π∏å ·≈–°“√‡ª≈’Ë¬π·ª≈ß¢Õß¡Ÿ≈§à“¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π„π√–¬–¬“«

6. ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ

6.1 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕª√–°Õ∫¥â«¬

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ

∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï √«¡

2552 2551 2552 2551 2552 2551

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ 4,976,810,027 4,747,005,856 7,498,710,633 6,929,834,079 12,475,520,660 11,676,839,935

À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ

‡ªìπ√“¬‰¥â (775,807,490) (733,491,897) (763,865,005) (706,455,301) (1,539,672,495) (1,439,947,198)

4,201,002,537 4,013,513,959 6,734,845,628 6,223,378,778 10,935,848,165 10,236,892,737

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (51,113,672) (53,526,755) (63,381,008) (63,767,611) (114,494,680) (117,294,366)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘ 4,149,888,865 3,959,987,204 6,671,464,620 6,159,611,167 10,821,353,485 10,119,598,371

60√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π‡©æ“–°‘®°“√

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ


2552 2551 2552 2551 2552 2551

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ 4,511,113,602 4,158,679,623 7,213,232,132 6,547,652,177 11,724,345,734 10,706,331,800

À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ

‡ªìπ√“¬‰¥â (725,799,467) (667,740,239) (741,169,252) (674,661,005) (1,466,968,719) (1,342,401,244)

3,785,314,135 3,490,939,384 6,472,062,880 5,872,991,172 10,257,377,015 9,363,930,556

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (31,117,436) (31,789,405) (53,075,690) (53,507,894) (84,193,126) (85,297,299)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘ 3,754,196,699 3,459,149,979 6,418,987,190 5,819,483,278 10,173,183,889 9,278,633,257

6.2 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ( ÿ∑∏‘®“°¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â)

®”·π°μ“¡Õ“¬ÿÀπ’È‰¥â¥—ßπ’È

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

Õ“¬ÿÀπ’È§â“ß™”√– 2552 2551 2552 2551

¬—ß‰¡à§√∫°”Àπ¥™”√– 9,965,554,750 9,257,035,295 9,345,025,716 8,462,114,757

§â“ß™”√–

1 ß«¥ - 3 ß«¥ 850,972,978 816,172,575 816,915,748 786,108,974

4 ß«¥ - 6 ß«¥ 46,690,697 64,066,952 38,112,183 45,191,747

7 ß«¥ - 12 ß«¥ 29,782,403 57,537,708 21,045,803 49,617,295

‡°‘π°«à“ 12 ß«¥¢÷Èπ‰ª 42,847,337 42,080,207 36,277,565 20,897,783

√«¡ 10,935,848,165 10,236,892,737 10,257,377,015 9,363,930,556

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (114,494,680) (117,294,366) (84,193,126) (85,297,299)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“ ◊ÈÕ - ÿ∑∏‘ 10,821,353,485 10,119,598,371 10,173,183,889 9,278,633,257

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

61

6.3 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ®”π«π‡ß‘π¢—ÈπμË”∑’ËμâÕß®à“¬μ“¡ —≠≠“‡™à“´◊ÈÕ·≈–¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß®”π«π‡ß‘π

¢—ÈπμË”¥—ß°≈à“«· ¥ß‰¥â¥—ßπ’È

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡

2552 2551

¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß ¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß

®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË”

μ“¡ —≠≠“‡™à“´◊ÈÕ ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ μ“¡ —≠≠“‡™à“´◊ÈÕ ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬

¿“¬„πÀπ÷Ëßªï 4,976,810,027 4,201,002,537 4,747,005,856 4,013,513,959

‡°‘πÀπ÷Ëßªï·μà‰¡à‡°‘πÀâ“ªï 7,455,460,002 6,693,077,085 6,887,045,164 6,182,218,930

‡°‘π°«à“Àâ“ªï 43,250,631 41,768,543 42,788,915 41,159,848

√«¡ 12,475,520,660 10,935,848,165 11,676,839,935 10,236,892,737

À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â (1,539,672,495) (1,439,947,198)

‡ß‘π≈ß∑ÿπ¢—Èπμâπμ“¡ —≠≠“‡™à“ ◊ÈÕ ÿ∑∏‘ 10,935,848,165 10,236,892,737

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π‡©æ“–°‘®°“√

2552 2551

¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß ¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß

®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË”

μ“¡ —≠≠“‡™à“´◊ÈÕ ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ μ“¡ —≠≠“‡™à“´◊ÈÕ ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬

¿“¬„πÀπ÷Ëßªï 4,511,113,602 3,785,314,135 4,158,679,623 3,490,939,384

‡°‘πÀπ÷Ëßªï·μà‰¡à‡°‘πÀâ“ªï 7,169,981,501 6,430,294,337 6,504,863,262 5,831,831,324

‡°‘π°«à“Àâ“ªï 43,250,631 41,768,543 42,788,915 41,159,848

√«¡ 11,724,345,734 10,257,377,015 10,706,331,800 9,363,930,556

À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â (1,466,968,719) (1,342,401,244)

‡ß‘π≈ß∑ÿπ¢—Èπμâπμ“¡ —≠≠“‡™à“ ◊ÈÕ ÿ∑∏‘ 10,257,377,015 9,363,930,556

6.4 ‡¡◊ËÕ«—π∑’Ë 30 ‡¡…“¬π 2547 ¡“§¡π—°∫—≠™’·≈–ºŸâ Õ∫∫—≠™’√—∫Õπÿ≠“μ·Ààßª√–‡∑»‰∑¬‚¥¬§«“¡‡ÀÁπ™Õ∫¢Õß

”π—°ß“π§≥–°√√¡°“√°”°—∫À≈—°∑√—æ¬å·≈–μ≈“¥À≈—°∑√—æ¬å‰¥â°”Àπ¥·π«ªØ‘∫—μ‘∑“ß°“√∫—≠™’ ”À√—∫∏ÿ√°‘® ‘π‡™◊ËÕ

‡æ◊ËÕ°“√Õÿª‚¿§∫√‘‚¿§ (Consumer Finance) ‚¥¬„Àâ∫—π∑÷°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‡μÁ¡®”π«π·≈–À¬ÿ¥√—∫√Ÿâ√“¬‰¥â

”À√—∫≈Ÿ°Àπ’È∑’Ë§â“ß™”√–‡°‘π°«à“ 3 ß«¥ ·≈–∫—π∑÷° ”√Õß∑—Ë«‰ª ”À√—∫≈Ÿ°Àπ’È∑’Ë‰¡à§â“ß™”√–§à“ß«¥À√◊Õ§â“ß™”√–

§à“ß«¥‰¡à‡°‘π°«à“ 3 ß«¥ ÷ËßÀ“°∫√‘…—∑œ μâÕßªØ‘∫—μ‘μ“¡·π«∑“ß¥—ß°≈à“« ‚¥¬‰¡àæ‘®“√≥“∂÷ß ”√Õß∑—Ë«‰ª ≥ «—π∑’Ë

31 ∏—π«“§¡ 2552 ∫√‘…—∑œ μâÕß∫—π∑÷°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‡æ‘Ë¡¢÷Èπ‡ªìπ®”π«π‡ß‘πª√–¡“≥ 11.24 ≈â“π∫“∑

(2551: ‡æ‘Ë¡¢÷Èπ 30.41 ≈â“π∫“∑) ·≈–μâÕß√—∫√Ÿâ√“¬‰¥â ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2552 ≈¥≈ß‡ªìπ®”π«π‡ß‘π

ª√–¡“≥ 0.42 ≈â“π∫“∑ (2551: 0.55 ≈â“π∫“∑)

62√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

Õ¬à“ß‰√°Áμ“¡ ·π«ªØ‘∫—μ‘¥—ß°≈à“«‰¥â „Àâ∑“ß‡≈◊Õ°‰«â‚¥¬À“°∫√‘…—∑„¥‡ÀÁπ«à“·π«∑“ßªØ‘∫—μ‘π’È‰¡à‡À¡“– ¡„Àâ‡ªî¥‡º¬·π«∑“ß∑’Ë∫√‘…—∑„™âæ√âÕ¡‡Àμÿº≈ª√–°Õ∫ ∑—Èßπ’È∫√‘…—∑œ ¡’π‚¬∫“¬„π°“√À¬ÿ¥√—∫√Ÿâ√“¬‰¥â ”À√—∫≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“ ◊ÈÕ∑’Ë§â“ß™”√–§à“ß«¥‡°‘π°«à“ 6 ß«¥ ·≈–∫√‘…—∑œ ‰¥âª√–¡“≥§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‚¥¬æ‘®“√≥“ ∂“π–

§«“¡ “¡“√∂„π°“√™”√–Àπ’È¢Õß≈Ÿ°Àπ’È ª√– ∫°“√≥å·≈–¢âÕ¡Ÿ≈§«“¡‡ ’¬À“¬∑’Ë‡°‘¥¢÷Èπ®√‘ß„πÕ¥’μ ´÷Ëß ≥ «—π∑’Ë 31∏—π«“§¡ 2552 ∫√‘…—∑œ‰¥âμ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ‚¥¬‡©≈’Ë¬„πÕ—μ√“√âÕ¬≈– 0.82 (2551:√âÕ¬≈– 0.91) ¢Õß¬Õ¥§ß‡À≈◊Õ¢Õß≈Ÿ°Àπ’È¥—ß°≈à“« ‚¥¬‰¡àÀ—°À≈—°ª√–°—π´÷Ëß Ÿß°«à“Õ—μ√“√âÕ¬≈– 0.56 ´÷Ëß‡ªìπ

Õ—μ√“§«“¡‡ ’¬À“¬‡©≈’Ë¬®“°°“√‡°Á∫Àπ’È®π∂÷ß 31 ∏—π«“§¡ 2552 ¢Õß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ§ß‡À≈◊Õ ≥ «—π ‘Èπªï2544 ∂÷ßªï 2549

≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ¬Õ¥§ß‡À≈◊Õ¢Õß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’Ë§â“ß™”√–§à“ß«¥‡°‘π°«à“ 3 ß«¥ ∑’Ë∫√‘…—∑œ¬—ß§ß√—∫√Ÿâ√“¬‰¥â¡’®”π«π‡ß‘πª√–¡“≥ 35.71 ≈â“π∫“∑ (2551: 45.91 ≈â“π∫“∑)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“ ◊ÈÕ¢Õß∫√‘…—∑¬àÕ¬√«¡∑—Èß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡·≈–≈Ÿ°Àπ’È®“°

°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß‡ªìπÀπ’È∑’Ë‡°‘¥®“° ‘π‡™◊ËÕ‡æ◊ËÕ°“√æ“≥‘™¬å (Commercial loan) ∫√‘…—∑¬àÕ¬‰¥â∫—π∑÷°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß≈Ÿ°Àπ’È¥—ß°≈à“«‚¥¬æ‘®“√≥“®“° ∂“π–·≈–§«“¡ “¡“√∂„π°“√™”√–Àπ’È¢Õß≈Ÿ°Àπ’È·≈–¡Ÿ≈§à“À≈—°ª√–°—π

6.5 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ∫√‘…—∑œ ‰¥âπ” ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ (°àÕπÀ—°¥Õ°º≈

‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”π«π 6,923.37 ≈â“π∫“∑ ·≈– 5,370.93 ≈â“π∫“∑ μ“¡≈”¥—∫ ‰ª§È”ª√–°—π«ß‡ß‘π

‘π‡™◊ËÕ∑’Ë‰¥â√—∫®“°∏π“§“√æ“≥‘™¬åμ“¡∑’Ë°≈à“«‰«â„πÀ¡“¬‡Àμÿ 17 ·≈– 19

6.6 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ∫√‘…—∑œ ·≈–∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â ( ÿ∑∏‘®“°

¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”π«π√«¡ 68.93 ≈â“π∫“∑·≈– 85.12 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ:

63.57 ≈â“π∫“∑·≈– 74.22 ≈â“π∫“∑ μ“¡≈”¥—∫)

6.7 —≠≠“‡™à“ ◊ÈÕ¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’√–¬–‡«≈“μ“¡ —≠≠“‚¥¬ª√–¡“≥ 12 - 72 ‡¥◊Õπ ·≈–¡’°”Àπ¥°“√®à“¬

§à“ß«¥‡∑à“°—π∑ÿ°ß«¥

7. ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π

7.1 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ª√–°Õ∫¥â«¬

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π


2552 2551 2552 2551 2552 2551

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π 372,633,845 419,361,670 347,170,701 405,464,380 719,804,546 824,826,050

À—°: ¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â (47,812,399) (54,835,322) (29,607,125) (31,223,688) (77,419,524) (86,059,010)

324,821,446 364,526,348 317,563,576 374,240,692 642,385,022 738,767,040

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (14,994,372) (9,018,269) (13,978,341) (6,800,698) (28,972,713) (15,818,967)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π - ÿ∑∏‘ 309,827,074 355,508,079 303,585,235 367,439,994 613,412,309 722,948,073

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

63

7.2 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ( ÿ∑∏‘®“°¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â)

®”·π°μ“¡Õ“¬ÿÀπ’È‰¥â¥—ßπ’È

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡

Õ“¬ÿÀπ’È§â“ß™”√– 2552 2551

¬—ß‰¡à§√∫°”Àπ¥™”√– 601,624,428 707,652,040

§â“ß™”√–

1 ß«¥ - 3 ß«¥ 12,093,244 15,480,245

4 ß«¥ - 6 ß«¥ 5,643,108 5,759,385

7 ß«¥ - 12 ß«¥ 21,402,687 3,567,126

‡°‘π°«à“ 12 ß«¥¢÷Èπ‰ª 1,621,555 6,308,244

√«¡ 642,385,022 738,767,040

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (28,972,713) (15,818,967)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π - ÿ∑∏‘ 613,412,309 722,948,073

7.3 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ®”π«π‡ß‘π¢—ÈπμË”∑’ËμâÕß®à“¬μ“¡ —≠≠“‡™à“°“√‡ß‘π ·≈–¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß

®”π«π‡ß‘π¢—ÈπμË”∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬μ“¡ —≠≠“‡™à“°“√‡ß‘π· ¥ß‰¥â¥—ßπ’È

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡

2552 2551

®”π«π‡ß‘π¢—ÈπμË” ¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß ®”π«π‡ß‘π¢—ÈπμË” ¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß

μ“¡ —≠≠“‡™à“ ®”π«π‡ß‘π¢—ÈπμË” μ“¡ —≠≠“‡™à“ ®”π«π‡ß‘π¢—ÈπμË”

°“√‡ß‘π ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ °“√‡ß‘π ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬

¿“¬„πÀπ÷Ëßªï 372,633,845 324,821,446 419,361,670 364,526,348

‡°‘πÀπ÷Ëßªï·μà‰¡à‡°‘πÀâ“ªï 347,170,701 317,563,576 405,464,380 374,240,692

√«¡ 719,804,546 642,385,022 824,826,050 738,767,040

À—°: ¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â (77,419,524) (86,059,010)

‡ß‘π≈ß∑ÿπ¢—Èπμâπμ“¡ —≠≠“‡™à“°“√‡ß‘π ÿ∑∏‘ 642,385,022 738,767,040

7.4 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â ( ÿ∑∏‘®“°¥Õ°‡∫’È¬

∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”π«π√«¡ 0.98 ≈â“π∫“∑ ·≈– 3.51 ≈â“π∫“∑ μ“¡≈”¥—∫

7.5 —≠≠“‡™à“°“√‡ß‘π¢Õß∫√‘…—∑¬àÕ¬¡’√–¬–‡«≈“μ“¡ —≠≠“‚¥¬ª√–¡“≥ 36 - 60 ‡¥◊Õπ ·≈–¡’°”Àπ¥°“√®à“¬§à“ß«¥

‡∑à“°—π∑ÿ°ß«¥

64√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

8. ≈Ÿ°Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß

8.1 ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ª√–°Õ∫¥â«¬

(Àπà«¬ : ∫“∑)

ß∫°“√‡ß‘π√«¡

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß

∑’Ë∂÷ß°”Àπ¥™”√–„πÀπ÷Ëßªï ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï √«¡

2552 2551 2552 2551 2552 2551

≈Ÿ°Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 831,718,054 1,049,071,696 - 5,940,480 831,718,054 1,055,012,176

À—°: ‡®â“Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß (172,777,120) (239,683,625) - - (172,777,120) (239,683,625)

658,940,934 809,388,071 - 5,940,480 658,940,934 815,328,551

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (26,665,514) (24,391,949) - (31,683) (26,665,514) (24,423,632)

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ 632,275,420 784,996,122 - 5,908,797 632,275,420 790,904,919

8.2 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ ®”·π°μ“¡Õ“¬ÿÀπ’È‰¥â¥—ßπ’È

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡

Õ“¬ÿÀπ’È§â“ß™”√– 2552 2551

¬—ß‰¡à§√∫°”Àπ¥™”√– 593,043,554 749,092,643

§â“ß™”√–

1 ‡¥◊Õπ - 3 ‡¥◊Õπ 41,239,089 45,782,850

4 ‡¥◊Õπ - 6 ‡¥◊Õπ 5,107,236 205,440

7 ‡¥◊Õπ - 12 ‡¥◊Õπ 6,215,133 1,752,000

‡°‘π°«à“ 12 ‡¥◊Õπ¢÷Èπ‰ª 13,335,922 18,495,618

√«¡ 658,940,934 815,328,551

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (26,665,514) (24,423,632)

≈Ÿ°Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ 632,275,420 790,904,919

8.3 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â ( ÿ∑∏‘®“°‡®â“Àπ’È

®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß) ®”π«π 22.27 ≈â“π∫“∑ ·≈– 19.65 ≈â“π∫“∑ μ“¡≈”¥—∫

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

65

9. ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡

9.1 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡· ¥ß‰¥â¥—ßπ’È

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡


2552 2551 2552 2551 2552 2551

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ 25,598,832 23,623,869 4,221,495 5,470,385 29,820,327 29,094,254

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (1,957,905) (1,129,911) (33,772) (43,764) (1,991,677) (1,173,675)

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ - ÿ∑∏‘ 23,640,927 22,493,958 4,183,723 5,426,621 27,828,650 27,920,579

(Àπà«¬ : ∫“∑)

ß∫°“√‡ß‘π‡©æ“–°‘®°“√

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡


2552 2551 2552 2551 2552 2551

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ 21,858,398 18,634,438 - - 21,858,398 18,634,438

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (1,927,981) (1,089,996) - - (1,927,981) (1,089,996)

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ - ÿ∑∏‘ 19,930,417 17,544,442 - - 19,930,417 17,544,442

9.2 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡®”·π°μ“¡Õ“¬ÿÀπ’È‰¥â¥—ßπ’È

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

Õ“¬ÿÀπ’È§â“ß™”√– 2552 2551 2552 2551

¬—ß‰¡à§√∫°”Àπ¥™”√– 27,833,725 26,458,796 19,871,796 15,998,980

§â“ß™”√–

1 ß«¥ - 3 ß«¥ 71,661 1,095,979 71,661 1,095,979

4 ß«¥ - 6 ß«¥ 33,321 1,156,066 33,321 1,156,066

7 ß«¥ - 12 ß«¥ 17,128 123,586 17,128 123,586

‡°‘π°«à“ 12 ß«¥¢÷Èπ‰ª 1,864,492 259,827 1,864,492 259,827

√«¡ 29,820,327 29,094,254 21,858,398 18,634,438

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (1,991,677) (1,173,675) (1,927,981) (1,089,996)

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ - ÿ∑∏‘ 27,828,650 27,920,579 19,930,417 17,544,442

66√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

10. °“√ª√—∫‚§√ß √â“ßÀπ’È∑’Ë¡’ªí≠À“°“√ª√—∫‚§√ß √â“ßÀπ’È¢Õß∫√‘…—∑¬àÕ¬´÷Ëß‡ªìπ°“√‡ª≈’Ë¬π·ª≈ß‡ß◊ËÕπ‰¢°“√™”√–Àπ’È¢Õß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ·≈–

—≠≠“‡™à“°“√‡ß‘π„π√–À«à“ßªï· ¥ß‰¥â¥—ßπ’È

2552 2551

®”π«π≈Ÿ°Àπ’È∑’Ëª√—∫‚§√ß √â“ßÀπ’È 138 9

¬Õ¥§ß‡À≈◊Õμ“¡∫—≠™’°àÕπ°“√ª√—∫‚§√ß √â“ßÀπ’È (≈â“π∫“∑) 150.82 10.15

º≈¢“¥∑ÿπ®“°°“√ª√—∫‚§√ß √â“ßÀπ’È∑’Ë¡’ªí≠À“ (≈â“π∫“∑) - -

≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ·≈– —≠≠“‡™à“°“√‡ß‘π¢Õß∫√‘…—∑¬àÕ¬∑’Ë‰¥â∑” —≠≠“

ª√—∫‚§√ß √â“ßÀπ’È¿“¬„μâ°“√‡ª≈’Ë¬π·ª≈ß‡ß◊ËÕπ‰¢°“√™”√–Àπ’È∑—Èß ‘Èπ· ¥ß‰¥â¥—ßπ’È

2552 2551

®”π«π≈Ÿ°Àπ’È∑’Ëª√—∫‚§√ß √â“ßÀπ’È 137 10

®”π«π√“¬≈Ÿ°Àπ’È∑—ÈßÀ¡¥ ≥ «—π ‘Èπß«¥ 2,083 2,754

¬Õ¥§ß‡À≈◊Õ¢Õß∫—≠™’≈Ÿ°Àπ’È∑’Ë¡’°“√ª√—∫‚§√ß √â“ßÀπ’È·≈â« (≈â“π∫“∑) 137.17 9.80

11. ‘π∑√—æ¬å√Õ°“√¢“¬≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ‘π∑√—æ¬å√Õ°“√¢“¬· ¥ß‰¥â¥—ßπ’È

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

2552 2551 2552 2551

‘π∑√—æ¬å√Õ°“√¢“¬ 60,749,730 34,750,570 37,235,545 25,823,748

À—°: §à“‡º◊ËÕ°“√≈¥¡Ÿ≈§à“ (22,469,403) (9,404,452) (13,062,559) (6,085,430)

‘π∑√—æ¬å√Õ°“√¢“¬ - ÿ∑∏‘ 38,280,337 25,346,118 24,172,986 19,738,318

12. ‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬μ“¡∑’Ë· ¥ßÕ¬Ÿà„πß∫°“√‡ß‘π‡©æ“–°‘®°“√ ¡’√“¬≈–‡Õ’¬¥¥—ßμàÕ‰ªπ’È

(Àπà«¬: ∫“∑)

∑ÿπ‡√’¬° —¥ à«π

∫√‘…—∑ ™”√–·≈â« ‡ß‘π≈ß∑ÿπ √“§“∑ÿπ ‡ß‘πªíπº≈√—∫√–À«à“ßªï

2552 2551 2552 2551 2552 2551 2552 2551

(∫“∑) (∫“∑) (√âÕ¬≈–) (√âÕ¬≈–)

∫√‘…—∑ °√ÿß‡∑æ·°√π¥å

·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 438,500,000 438,500,000 99.99 99.99 446,913,607 446,913,607 - 53,935,483

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

67

13. ‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ· ¥ß‰¥â¥—ßπ’È

(Àπà«¬: ∫“∑)

∑ÿπ‡√’¬° —¥ à«π ß∫°“√‡ß‘π√«¡

≈—°…≥–∏ÿ√°‘® ™”√–·≈â« ‡ß‘π≈ß∑ÿπ 2552 2551

(∫“∑) (√âÕ¬≈–)

‡ß‘π≈ß∑ÿπ∑—Ë«‰ª

∫√‘…—∑ ∫“ß°Õ°§≈—∫ ®”°—¥ ®”Àπà“¬Õ“À“√·≈–‡§√◊ËÕß¥◊Ë¡ 450,000,000 0.14 1,140,000 1,140,000

À—°: §à“‡º◊ËÕ°“√¥âÕ¬§à“‡ß‘π≈ß∑ÿπ (841,760) (828,960)

√«¡‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ - ÿ∑∏‘ 298,240 311,040

14. ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡

‡§√◊ËÕßμ°·μàß à«πª√—∫ª√ÿß

μ‘¥μ—Èß·≈– Õ“§“√√–À«à“ß

∑’Ë¥‘π Õ“§“√ Õÿª°√≥å ¬“πæ“Àπ– °àÕ √â“ß √«¡

√“§“∑ÿπ

31 ∏—π«“§¡ 2551 2,430,000 6,770,000 83,397,826 35,408,228 - 128,006,054

´◊ÈÕ‡æ‘Ë¡ - - 7,518,896 7,741,636 2,944,941 18,205,473

‚Õπ‡¢â“ - - 21,702 1,375,254 - 1,396,956

‚ÕπÕÕ° - - (1,982,184) - - (1,982,184)

¢“¬·≈–μ—¥®”Àπà“¬ - - (4,076,762) (5,325,954) - (9,402,716)

31 ∏—π«“§¡ 2552 2,430,000 6,770,000 84,879,478 39,199,164 2,944,941 136,223,583

§à“‡ ◊ËÕ¡√“§“ – ¡

31 ∏—π«“§¡ 2551 - 4,761,570 66,850,140 24,790,236 - 96,401,946

§à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï - 338,500 6,779,187 5,309,525 - 12,427,212

§à“‡ ◊ËÕ¡√“§“ – ¡ ”À√—∫

à«π∑’Ë‚ÕπÕÕ° - - (1,982,167) - - (1,982,167)

§à“‡ ◊ËÕ¡√“§“ – ¡ ”À√—∫

à«π∑’Ë¢“¬·≈–μ—¥®”Àπà“¬ - - (4,053,250) (5,245,055) - (9,298,305)

31 ∏—π«“§¡ 2552 - 5,100,070 67,593,910 24,854,706 - 97,548,686

¡Ÿ≈§à“ ÿ∑∏‘μ“¡∫—≠™’

31 ∏—π«“§¡ 2551 2,430,000 2,008,430 16,547,686 10,617,992 - 31,604,108

31 ∏—π«“§¡ 2552 2,430,000 1,669,930 17,285,568 14,344,458 2,944,941 38,674,897

§à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï

2551 12,941,364

2552 12,427,212

68√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π‡©æ“–°‘®°“√

‡§√◊ËÕßμ°·μàß à«πª√—∫ª√ÿß

μ‘¥μ—Èß·≈– Õ“§“√√–À«à“ß

∑’Ë¥‘π Õ“§“√ Õÿª°√≥å ¬“πæ“Àπ– °àÕ √â“ß √«¡

√“§“∑ÿπ

31 ∏—π«“§¡ 2551 2,430,000 6,770,000 63,593,949 21,863,587 - 94,657,536

´◊ÈÕ‡æ‘Ë¡ - - 7,238,639 7,712,000 2,944,941 17,895,580

‚Õπ‡¢â“ - - - 1,375,255 - 1,375,255

¢“¬·≈–μ—¥®”Àπà“¬ - - (2,612,420) (1,874,302) - (4,486,722)

31 ∏—π«“§¡ 2552 2,430,000 6,770,000 68,220,168 29,076,540 2,944,941 109,441,649

§à“‡ ◊ËÕ¡√“§“ – ¡

31 ∏—π«“§¡ 2551 - 4,761,570 49,899,515 16,326,380 - 70,987,465

§à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï - 338,500 5,655,984 3,106,865 - 9,101,349

§à“‡ ◊ËÕ¡√“§“ – ¡ ”À√—∫

à«π∑’Ë¢“¬·≈–μ—¥®”Àπà“¬ - - (2,609,480) (1,849,326) - (4,458,806)

31 ∏—π«“§¡ 2552 - 5,100,070 52,946,019 17,583,919 - 75,630,008

¡Ÿ≈§à“ ÿ∑∏‘μ“¡∫—≠™’

31 ∏—π«“§¡ 2551 2,430,000 2,008,430 13,694,434 5,537,207 - 23,670,071

31 ∏—π«“§¡ 2552 2,430,000 1,669,930 15,274,149 11,492,621 2,944,941 33,811,641

§à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï

2551 9,569,020

2552 9,101,349

≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’Õÿª°√≥å·≈–¬“πæ“Àπ–®”π«πÀπ÷Ëß´÷Ëßμ—¥

§à“‡ ◊ËÕ¡√“§“À¡¥·≈â«·μà¬—ß„™âß“πÕ¬Ÿà √“§“∑ÿπ¢ÕßÕÿª°√≥å¥—ß°≈à“«¡’®”π«π‡ß‘πª√–¡“≥ 55.98 ≈â“π∫“∑ ·≈– 58.69

≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ: 44.98 ≈â“π∫“∑ ·≈– 41.77 ≈â“π∫“∑ μ“¡≈”¥—∫)

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

69

15. ‘π∑√—æ¬å‰¡à¡’μ—«μπ(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

‚ª√·°√¡ ‚ª√·°√¡

‚ª√·°√¡ §Õ¡æ‘«‡μÕ√å ‚ª√·°√¡ §Õ¡æ‘«‡μÕ√å

§Õ¡æ‘«‡μÕ√å √–À«à“ßμ‘¥μ—Èß √«¡ §Õ¡æ‘«‡μÕ√å √–À«à“ßμ‘¥μ—Èß √«¡

√“§“∑ÿπ

31 ∏—π«“§¡ 2551 17,100,289 3,542,689 20,642,978 16,168,289 - 16,168,289

´◊ÈÕ‡æ‘Ë¡ 5,577,216 - 5,577,216 5,577,216 - 5,577,216

‚Õπ‡¢â“ 1,982,184 - 1,982,184 - - -

31 ∏—π«“§¡ 2552 24,659,689 3,542,689 28,202,378 21,745,505 - 21,745,505

§à“μ—¥®”Àπà“¬ – ¡

31 ∏—π«“§¡ 2551 833,530 - 833,530 638,958 - 638,958

§à“μ—¥®”Àπà“¬ ”À√—∫ªï 1,901,799 - 1,901,799 1,808,598 - 1,808,598

‚Õπ‡¢â“ 1,982,167 - 1,982,167 - - -

31 ∏—π«“§¡ 2552 4,717,496 - 4,717,496 2,447,556 - 2,447,556

¡Ÿ≈§à“ ÿ∑∏‘ ”À√—∫ªï

31 ∏—π«“§¡ 2551 16,266,759 3,542,689 19,809,448 15,529,331 - 15,529,331

31 ∏—π«“§¡ 2552 19,942,193 3,542,689 23,484,882 19,297,949 - 19,297,949

§à“μ—¥®”Àπà“¬ ”À√—∫ªï

2551 616,258 - 616,258 523,059 - 523,059

2552 1,901,799 - 1,901,799 1,808,598 - 1,808,598

16. ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ —≠≠“‡™à“°“√‡ß‘π·≈–

≈Ÿ°Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß®”π«π√«¡ 139.30 ≈â“π∫“∑ ·≈– 95.72 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ¡’≈Ÿ°Àπ’È

μ“¡ —≠≠“‡™à“´◊ÈÕ®”π«π 43.87 ≈â“π∫“∑ ·≈– 23.83 ≈â“π∫“∑ μ“¡≈”¥—∫) ÷Ëß»“≈‰¥âæ‘æ“°…“„Àâ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬

™π–§¥’·≈–∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬Õ¬Ÿà√–À«à“ß°“√μ‘¥μ“¡‡æ◊ËÕ√—∫™”√–Àπ’È®“°≈Ÿ°Àπ’È‡À≈à“π—Èπ‚¥¬∫—π∑÷°‰«â „π ‘π∑√—æ¬å

‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ„πß∫¥ÿ≈ ∫√‘…—∑œ ‰¥âμ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‰«â‡μÁ¡®”π«π ”À√—∫≈Ÿ°Àπ’È¥—ß°≈à“«‚¥¬‰¡àÀ—°À≈—°ª√–°—π

à«π∫√‘…—∑¬àÕ¬‰¥âμ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‡μÁ¡®”π«π¿“¬À≈—ß®“°À—°À≈—°ª√–°—π·≈â«

πÕ°®“°π—Èπ ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ¬—ß√«¡∂÷ß≈Ÿ°Àπ’È®“°¿“√–§È”ª√–°—π´÷Ëß∫√‘…—∑¬àÕ¬‰¥â™”√–Àπ’È·∑π≈Ÿ°Àπ’È®”π«π

ª√–¡“≥ 22.49 ≈â“π∫“∑ ·≈–∫√‘…—∑¬àÕ¬‰¥âμ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‰«â‡μÁ¡®”π«π

70√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

17. ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∏π“§“√‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∏π“§“√ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ª√–°Õ∫¥â«¬

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

2552 2551 2552 2551

‡ß‘π‡∫‘°‡°‘π∫—≠™’ 60,518,242 31,655,993 51,830,137 29,566,928

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∏π“§“√ 3,100,970,871 5,530,942,890 2,490,000,000 4,230,000,000

√«¡ 3,161,489,113 5,562,598,883 2,541,830,137 4,259,566,928

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ‡ªìπ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑®“°∏π“§“√À≈“¬·Ààß ´÷Ëß§‘¥¥Õ°‡∫’È¬„πÕ—μ√“≈Õ¬μ—«·≈–§ß∑’Ë‚¥¬Õâ“ßÕ‘ß°—∫

Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥

≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ¥—ß°≈à“«¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®“°∏π“§“√°√ÿß‡∑æ ®”°—¥

(¡À“™π) ‡ªìπ‡ß‘π°Ÿâ¬◊¡∑’Ë‰¡à¡’À≈—°ª√–°—π à«π‡ß‘π°Ÿâ¬◊¡Õ◊Ëπ§È”ª√–°—π‚¥¬ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑œ

μ“¡∑’Ë°≈à“«„πÀ¡“¬‡Àμÿ¢âÕ 6.5 ·≈–§È”ª√–°—π‚¥¬∫√‘…—∑ ‰ø·ππ å‡™’¬≈«—π §Õ√åªÕ‡√™—Ëπ

18. ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπª√–°Õ∫¥â«¬μ—Î«·≈°‡ß‘π·≈–μ—Î« —≠≠“„™â‡ß‘π∑’Ë∫√‘…—∑œ

ÕÕ°„Àâ·°à∫√‘…—∑·≈–∫ÿ§§≈®”π«πÀπ÷Ëß ‡ß‘π°Ÿâ¬◊¡π’È‰¡à¡’À≈—°ª√–°—π·≈–§‘¥¥Õ°‡∫’È¬„πÕ—μ√“§ß∑’Ë‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥

19. ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√‡ß‘π°Ÿâ¬◊¡√–¬–¬“«¢Õß∫√‘…—∑œ ª√–°Õ∫‰ª¥â«¬‡ß‘π°Ÿâ¬◊¡®“°∏π“§“√„πª√–‡∑»„π °ÿ≈∫“∑¥—ßμàÕ‰ªπ’È

°) ‡ß‘π°Ÿâ¬◊¡®”π«π 800 ≈â“π∫“∑ §√∫°”Àπ¥™”√–∑—Èß®”π«π„π‡¥◊Õπ¡‘∂ÿπ“¬π 2555 §‘¥¥Õ°‡∫’È¬„πÕ—μ√“∑’ËÕ‘ß°—∫ MLR

¢) ‡ß‘π°Ÿâ¬◊¡®”π«π 500 ≈â“π∫“∑ §√∫°”Àπ¥™”√–∑—Èß®”π«π„π‡¥◊Õπμÿ≈“§¡ 2555 §‘¥¥Õ°‡∫’È¬„πÕ—μ√“∑’ËÕ‘ß°—∫ MLR

§) ‡ß‘π°Ÿâ¬◊¡®”π«π 1,000 ≈â“π∫“∑ §√∫°”Àπ¥™”√–∑—Èß®”π«π„π‡¥◊Õπ ‘ßÀ“§¡ 2554 ·≈–°—π¬“¬π 2554 ®”π«π

850 ≈â“π∫“∑ ·≈– 150 ≈â“π∫“∑ μ“¡≈”¥—∫ §‘¥¥Õ°‡∫’È¬„πÕ—μ√“∑’ËÕ‘ß°—∫ MLR

ß) ‡ß‘π°Ÿâ¬◊¡®”π«π 500 ≈â“π∫“∑ §√∫°”Àπ¥™”√–∑—Èß®”π«π„π‡¥◊Õπ¡‘∂ÿπ“¬π 2554 §‘¥¥Õ°‡∫’È¬„πÕ—μ√“§ß∑’Ë

®) ‡ß‘π°Ÿâ¬◊¡®”π«π 1,000 ≈â“π∫“∑ §√∫°”Àπ¥™”√–∑—Èß®”π«π„π‡¥◊Õπ¡’π“§¡ 2553 ·≈–æƒ…¿“§¡ 2553 ®”π«π

500 ≈â“π∫“∑ ·≈– 500 ≈â“π∫“∑ μ“¡≈”¥—∫ §‘¥¥Õ°‡∫’È¬„πÕ—μ√“∑’ËÕ‘ß°—∫ THBFIX

‡ß‘π°Ÿâ¬◊¡¥—ß°≈à“«§È”ª√–°—π‚¥¬ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑œ μ“¡∑’Ë°≈à“«„πÀ¡“¬‡Àμÿ

¢âÕ 6.5 —≠≠“°Ÿâ¬◊¡¥—ß°≈à“«‰¥â√–∫ÿ¢âÕªØ‘∫—μ‘·≈–¢âÕ°”Àπ¥∫“ßª√–°“√ ÷Ëß√«¡∂÷ß°“√¥”√ß —¥ à«π°“√∂◊ÕÀÿâπ¢ÕßºŸâ∂◊ÕÀÿâπ√“¬„À≠à Õ—μ√“ à«πÀπ’È ‘πμàÕ à«π∑ÿπ·≈–¢âÕ°”Àπ¥„π°“√®à“¬ ‡ß‘πªíπº≈

≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ∫√‘…—∑œ ¡’¬Õ¥§ß‡À≈◊Õ¢Õß —≠≠“·≈°‡ª≈’Ë¬πÕ—μ√“¥Õ°‡∫’È¬‡æ◊ËÕ‡ªìπ°“√ªÑÕß°—π§«“¡‡ ’Ë¬ß®“°Õ—μ√“¥Õ°‡∫’È¬¢Õß‡ß‘π°Ÿâ¬◊¡®”π«π 1,000 ≈â“π∫“∑ √“¬≈–‡Õ’¬¥¢Õß —≠≠“·≈°‡ª≈’Ë¬πÕ—μ√“¥Õ°‡∫’È¬

· ¥ß‰«â„πÀ¡“¬‡Àμÿ 30.1

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

71

20. ª√–¡“≥°“√Àπ’È ‘π√–¬– —Èπ®“°°“√§È”ª√–°—π(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 22,000,000

‡æ‘Ë¡¢÷Èπ√–À«à“ßªï 1,616,860

ª√—∫ª√ÿßÕ—μ√“·≈°‡ª≈’Ë¬π 587,156

‚Õπ°≈—∫√–À«à“ßªï (1,714,150)

‚ÕπÕÕ°‰ª‡ªìπ§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠≈Ÿ°Àπ’È®“°¿“√–§È”ª√–°—π (22,489,866)

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 -

„π√–À«à“ßªïªí®®ÿ∫—π ∫√‘…—∑¬àÕ¬‰¥â™”√–Àπ’È®“°¿“√–§È”ª√–°—π®”π«π 22.49 ≈â“π∫“∑ ®÷ß‰¥â‚Õπ∫—≠™’®“°ª√–¡“≥

°“√Àπ’È ‘π‰ª‡ªìπ§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠≈Ÿ°Àπ’È®“°¿“√–§È”ª√–°—π (À¡“¬‡Àμÿ 16)

21. √“¬°“√∏ÿ√°‘®°—∫∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π„π√–À«à“ßªï ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’√“¬°“√∏ÿ√°‘®∑’Ë ”§—≠°—∫∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π √“¬°“√∏ÿ√°‘®¥—ß°≈à“«

‡ªìπ‰ªμ“¡‡ß◊ËÕπ‰¢∑“ß°“√§â“·≈–‡°≥±åμ“¡∑’Ëμ°≈ß°—π√–À«à“ß∫√‘…—∑œ·≈–∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π‡À≈à“π—Èπ ÷Ëß‡ªìπ‰ª

μ“¡ª°μ‘∏ÿ√°‘®‚¥¬ “¡“√∂ √ÿª‰¥â¥—ßπ’È

(Àπà«¬: ≈â“π∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ π‚¬∫“¬°“√°”Àπ¥√“§“

2552 2551 2552 2551

∫√‘…—∑¬àÕ¬

√“¬‰¥â§à“∫√‘À“√®—¥°“√ - - 10.08 15.26 μâπ∑ÿπ∫«°°”‰√ à«π‡æ‘Ë¡„πÕ—μ√“√âÕ¬≈– 10

√“¬‰¥â§à“∏√√¡‡π’¬¡§È”ª√–°—π - - 1.00 1.00 √âÕ¬≈– 0.5 μàÕªï

¥Õ°‡∫’È¬√—∫ - - 1.09 - „°≈â‡§’¬ß°—∫Õ—μ√“¥Õ°‡∫’È¬¢Õß‡ß‘π°Ÿâ¬◊¡Õ◊Ëπ∑’Ë¡’

‡ß◊ËÕπ‰¢„°≈â‡§’¬ß°—π

¥Õ°‡∫’È¬®à“¬ - - 3.21 4.47 „°≈â‡§’¬ß°—∫Õ—μ√“¥Õ°‡∫’È¬¢Õß‡ß‘π°Ÿâ¬◊¡Õ◊Ëπ∑’Ë¡’

‡ß◊ËÕπ‰¢„°≈â‡§’¬ß°—π

∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

§à“‡™à“·≈–∫√‘°“√ Õ—μ√“„°≈â‡§’¬ß°—∫æ◊Èπ∑’Ë‡™à“„πÕ“§“√Õ◊Ëπ∑’Ë¡’

∑”‡≈∑’Ëμ—Èß‡¥’¬«°—π

°Õß∑ÿπ√«¡ “∏√ ‘μ’È∑“«‡«Õ√å 14.26 14.30 10.91 11.15

°Õß∑ÿπ√«¡∫“ß°Õ°°“√å‡¥π∑å 0.60 0.60 0.60 0.60

14.86 14.90 11.51 11.75

§à“‡∫’È¬ª√–°—π¿—¬ „°≈â‡§’¬ß°—∫Õ—μ√“‡∫’È¬ª√–°—π¿—¬∑—Ë«‰ª

∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥

(¡À“™π) 1.06 1.14 0.76 0.88

¥Õ°‡∫’È¬®à“¬ „°≈â‡§’¬ß°—∫Õ—μ√“¥Õ°‡∫’È¬¢Õß‡ß‘π°Ÿâ¬◊¡Õ◊Ëπ∑’Ë¡’

‡ß◊ËÕπ‰¢„°≈â‡§’¬ß°—π

72√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

(Àπà«¬: ≈â“π∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ π‚¬∫“¬°“√°”Àπ¥√“§“

2552 2551 2552 2551

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 162.66 203.66 112.85 135.78

∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬

®”°—¥ (¡À“™π) 1.13 1.71 - -

163.79 205.37 112.85 135.78

§à“∏√√¡‡π’¬¡ Standby Letter of „°≈â‡§’¬ß°—∫Õ—μ√“§È”ª√–°—π¢Õß‡ß‘π°Ÿâ¬◊¡

Credit ·≈–°“√§È”ª√–°—π Õ◊Ëπ∑’Ë¡’‡ß◊ËÕπ‰¢„°≈â‡§’¬ß°—π

China Trust Commercial Bank - 0.02 - 0.01

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 0.92 0.91 - -

0.92 0.93 - 0.01

ºŸâ∂◊ÕÀÿâπ„À≠à

§à“∏√√¡‡π’¬¡§È”ª√–°—π - 3.89 - 2.97 √âÕ¬≈– 1 μàÕªï

ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß°≈ÿà¡∫√‘…—∑

§à“∏√√¡‡π’¬¡§È”ª√–°—π 4.93 0.16 4.02 0.16 √âÕ¬≈– 1 μàÕªï

≈—°…≥–§«“¡ —¡æ—π∏å√–À«à“ß∫√‘…—∑œ°—∫∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π √ÿª‰¥â¥—ßπ’È

√“¬™◊ËÕ∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π §«“¡ —¡æ—π∏å°—∫∫√‘…—∑œ

∫√‘…—∑ ‰ø·ππ å‡™’¬≈«—π §Õ√åªÕ‡√™—Ëπ ®”°—¥ ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß°≈ÿà¡∫√‘…—∑

∫√‘…—∑ ‰™≈’ ‰ø·ππ´å ®”°—¥ ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑œ

∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) ∫√‘…—∑¬àÕ¬

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ

∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ

Mr. Jeffrey Koo ºŸâ°àÕμ—Èß∏ÿ√°‘®¢Õß°≈ÿà¡μ√–°Ÿ≈§Ÿ

°Õß∑ÿπ√«¡ “∏√ ‘μ’È∑“«‡«Õ√å °‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ

°Õß∑ÿπ√«¡∫“ß°Õ°°“√å‡¥âπ °‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ

China Trust Commercial Bank ∫√‘…—∑∑’Ë‡°’Ë¬«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑œ

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

73

≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’¬Õ¥§ß‡À≈◊Õ∑’Ë¡’ “√– ”§—≠¢Õß ‘π∑√—æ¬å·≈–Àπ’È ‘π

∑’Ë‡°’Ë¬«¢âÕß°—∫∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π¥—ßπ’È

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

2552 2551 2552 2551

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 231,464,234 53,318,073 150,725,535 19,946,320

§à“∏√√¡‡π’¬¡®à“¬≈à«ßÀπâ“

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 235,479 253,973 - -

§à“‡∫’È¬ª√–°—π®à“¬≈à«ßÀπâ“

∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) 304,844 292,117 93,220 61,567

‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ

®“°∏π“§“√

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 180,518,242 2,511,655,993 121,830,137 1,439,566,928

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) 60,000,000 60,000,000 - -

‡®â“Àπ’È°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 481,033 17,008,926 294,219 7,410,036

∫√‘…—∑ ‰™≈’ ‰ø·ππ å ®”°—¥ - 3,890,716 - 2,967,402

∫√‘…—∑ ‰ø·ππ´å‡™’¬≈«—π §Õ√åªÕ‡√™—Ëπ ®”°—¥ 4,932,966 156,367 4,018,443 156,367

√«¡ 5,413,999 21,056,009 4,312,662 10,533,805

≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π‡ªìπ‡ß‘π°Ÿâ¬◊¡

„π °ÿ≈∫“∑ ‰¡à¡’À≈—°ª√–°—π·≈–§‘¥¥Õ°‡∫’È¬„πÕ—μ√“§ß∑’Ë‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π· ¥ß‰¥â¥—ßπ’È

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

2552 2551 2552 2551

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 2,300,000,000 2,000,000,000 1,500,000,000 1,500,000,000

√«¡ 2,300,000,000 2,000,000,000 1,500,000,000 1,500,000,000

À—°: à«π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï (2,000,000,000) - (1,500,000,000) -

ÿ∑∏‘ 300,000,000 2,000,000,000 - 1,500,000,000

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π¥—ß°≈à“«‡ªìπ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑·≈–‰¡à¡’À≈—°ª√–°—π ‚¥¬¡’√“¬≈–‡Õ’¬¥¥—ßπ’È

°) ‡ß‘π°Ÿâ¬◊¡®”π«π 400 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πμâπ∑—Èß®”π«π¿“¬„π‡¥◊Õπ ‘ßÀ“§¡ 2553 §‘¥¥Õ°‡∫’È¬„πÕ—μ√“≈Õ¬μ—«

™”√–¥Õ°‡∫’È¬∑ÿ° ‘Èπ‡¥◊Õπ (‡©æ“–∫√‘…—∑œ: 200 ≈â“π∫“∑)

¢) ‡ß‘π°Ÿâ¬◊¡®”π«π 1,600 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πμâπ∑—Èß®”π«π„π‡¥◊Õπ ‘ßÀ“§¡ 2553 §‘¥¥Õ°‡∫’È¬„πÕ—μ√“§ß∑’Ë

‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥ ™”√–¥Õ°‡∫’È¬∑ÿ° ‘Èπ‡¥◊Õπ (‡©æ“–∫√‘…—∑œ: 1,300 ≈â“π∫“∑)

74√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

§) ‡ß‘π°Ÿâ¬◊¡®”π«π 150 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πμâπ∑—Èß®”π«π„π‡¥◊Õπ ‘ßÀ“§¡ 2555 §‘¥¥Õ°‡∫’È¬„πÕ—μ√“≈Õ¬μ—«

™”√–¥Õ°‡∫’È¬∑ÿ° ‘Èπ‡¥◊Õπ

ß) ‡ß‘π°Ÿâ¬◊¡®”π«π 150 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πμâπ∑—Èß®”π«π„π‡¥◊Õπ°—π¬“¬π 2555 §‘¥¥Õ°‡∫’È¬„πÕ—μ√“≈Õ¬μ—«

™”√–¥Õ°‡∫’È¬∑ÿ° ‘Èπ‡¥◊Õπ

√“¬°“√‡§≈◊ËÕπ‰À«¢Õß‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ·≈–√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π„π√–À«à“ßªïªí®®ÿ∫—π· ¥ß‰¥â¥—ßπ’È

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 60,000,000 -

‡æ‘Ë¡¢÷Èπ√–À«à“ßªï 290,000,000 780,000,000

≈¥≈ß√–À«à“ßªï (290,000,000) (780,000,000)

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 60,000,000 -

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∏π“§“√∑’Ë‡°’Ë¬«¢âÕß°—π

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 2,480,000,000 1,410,000,000

‡æ‘Ë¡¢÷Èπ√–À«à“ßªï 2,305,000,000 1,070,000,000

≈¥≈ß√–À«à“ßªï (4,665,000,000) (2,410,000,000)

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 120,000,000 70,000,000

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 2,000,000,000 1,500,000,000

‡æ‘Ë¡¢÷Èπ√–À«à“ßªï 300,000,000 -

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 2,300,000,000 1,500,000,000

√“¬°“√‡§≈◊ËÕπ‰À«¢Õß‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —Èπ·°à∫√‘…—∑¬àÕ¬„π√–À«à“ßªïªí®®ÿ∫—π· ¥ß‰¥â¥—ßπ’È

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡‡©æ“–°‘®°“√

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 -

‡æ‘Ë¡¢÷Èπ√–À«à“ßªï 290,000,000

≈¥≈ß√–À«à“ßªï (290,000,000)

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 -

¿“√–ºŸ°æ—π·≈–¿“√–§È”ª√–°—π°—∫°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ∫√‘…—∑œ ¡’¿“√–§È”ª√–°—π‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ„Àâ·°à∫√‘…—∑¬àÕ¬ „π«ß‡ß‘π®”π«π

200 ≈â“π∫“∑

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

75

22. ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥„πß∫°√–· ‡ß‘π ¥ª√–°Õ∫¥â«¬

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

2552 2551 2552 2551

‡ß‘π ¥·≈–‡ß‘πΩ“°∏π“§“√ 237,170,865 61,100,218 156,051,981 27,008,382

À—°: ‡ß‘π‡∫‘°‡°‘π∫—≠™’∏π“§“√ (60,518,242) (31,655,992) (51,830,137) (29,566,928)

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ 176,652,623 29,444,226 104,221,844 (2,558,546)

23. ”√Õßμ“¡°ÆÀ¡“¬¿“¬„μâ∫∑∫—≠≠—μ‘¢Õß¡“μ√“ 116 ·Ààßæ√–√“™∫—≠≠—μ‘∫√‘…—∑¡À“™π®”°—¥ æ.». 2535 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬

μâÕß®—¥ √√°”‰√ ÿ∑∏‘ª√–®”ªï à«πÀπ÷Ëß‰«â‡ªìπ∑ÿπ ”√Õß‰¡àπâÕ¬°«à“√âÕ¬≈– 5 ¢Õß°”‰√ ÿ∑∏‘ª√–®”ªïÀ—°¥â«¬¬Õ¥¢“¥∑ÿπ – ¡¬°¡“

(∂â“¡’) ®π°«à“∑ÿπ ”√Õßπ’È®–¡’®”π«π‰¡àπâÕ¬°«à“√âÕ¬≈– 10 ¢Õß∑ÿπ®¥∑–‡∫’¬π ”√Õßμ“¡°ÆÀ¡“¬¥—ß°≈à“«‰¡à “¡“√∂π”‰ª

®à“¬‡ß‘πªíπº≈‰¥â

24. §à“„™â®à“¬μ“¡≈—°…≥–√“¬°“√§à“„™â®à“¬μ“¡≈—°…≥–ª√–°Õ∫¥â«¬√“¬°“√§à“„™â®à“¬∑’Ë ”§—≠¥—ßμàÕ‰ªπ’È

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

2552 2551 2552 2551

‡ß‘π‡¥◊Õπ §à“·√ß·≈–º≈ª√–‚¬™πåÕ◊Ëπ¢Õßæπ—°ß“π 239,322,592 235,589,459 191,153,336 189,249,305

§à“‡ ◊ËÕ¡√“§“ 12,427,212 12,941,364 9,101,349 9,569,020

§à“μ—¥®”Àπà“¬ 1,901,799 616,258 1,808,598 523,059

§à“‡™à“®à“¬ 22,448,955 20,999,206 17,870,705 16,661,761

25. °”‰√μàÕÀÿâπ¢—Èπæ◊Èπ∞“π°”‰√μàÕÀÿâπ¢—Èπæ◊Èπ∞“π§”π«≥‚¥¬°“√À“√°”‰√ ÿ∑∏‘ ”À√—∫ªï¥â«¬®”π«π∂—«‡©≈’Ë¬∂à«ßπÈ”Àπ—°¢ÕßÀÿâπ “¡—≠∑’ËÕÕ°Õ¬Ÿà„π

√–À«à“ßªï

26. ¢âÕ¡Ÿ≈∑“ß°“√‡ß‘π®”·π°μ“¡ à«πß“π∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¥”‡π‘π∏ÿ√°‘®À≈—°§◊Õ∏ÿ√°‘®„Àâ∫√‘°“√‡™à“´◊ÈÕ ∏ÿ√°‘®„Àâ‡™à“ ‘π∑√—æ¬åμ“¡ —≠≠“‡™à“°“√‡ß‘π·≈–

—≠≠“‡™à“¥”‡π‘πß“π ·≈–∏ÿ√°‘®√—∫ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß®“°≈Ÿ°Àπ’È ‚¥¬¡’ à«πß“π∑“ß¿Ÿ¡‘»“ μ√åÀ≈—°„πª√–‡∑»‰∑¬ ¥—ßπ—Èπ √“¬‰¥â

°”‰√·≈– ‘π∑√—æ¬åμ“¡∑’Ë· ¥ß„πß∫°“√‡ß‘π®÷ß‡°’Ë¬«¢âÕß°—∫ à«πß“π∏ÿ√°‘®·≈– à«πß“π∑“ß¿Ÿ¡‘»“ μ√åμ“¡∑’Ë°≈à“«‰«â

76√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

27. °Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬·≈–æπ—°ß“π‰¥â√à«¡°—π®—¥μ—Èß°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ¢÷Èπμ“¡æ√–√“™∫—≠≠—μ‘°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ

æ.». 2530 ‚¥¬∫√‘…—∑œ ∫√‘…—∑¬àÕ¬ ·≈–æπ—°ß“π®–®à“¬ ¡∑∫‡¢â“°Õß∑ÿπ‡ªìπ√“¬‡¥◊Õπ„πÕ—μ√“√âÕ¬≈– 5 ¢Õß‡ß‘π‡¥◊Õπ °Õß∑ÿπ

”√Õß‡≈’È¬ß™’æπ’È∫√‘À“√‚¥¬∫√‘…—∑À≈—°∑√—æ¬å®—¥°“√°Õß∑ÿπ øîπ—π´à“ ®”°—¥ ·≈–®–®à“¬„Àâ·°àæπ—°ß“π‡¡◊ËÕæπ—°ß“ππ—Èπ

ÕÕ°®“°ß“πμ“¡√–‡∫’¬∫«à“¥â«¬°Õß∑ÿπ¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ „π√–À«à“ßªï 2552 ·≈– 2551 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬

‰¥â®à“¬‡ß‘π ¡∑∫°Õß∑ÿπ‡ªìπ®”π«π‡ß‘π 5.11 ≈â“π∫“∑ ·≈– 5.09 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ: 4.13 ≈â“π∫“∑ ·≈–

4.31 ≈â“π∫“∑ μ“¡≈”¥—∫)

28. ‡ß‘πªíπº≈®à“¬‡ß‘πªíπº≈∑’Ëª√–°“»®à“¬„πªï 2552 ·≈– 2551 ª√–°Õ∫¥â«¬

(Àπà«¬: ∫“∑)

‡ß‘πªíπº≈ Õπÿ¡—μ‘‚¥¬ ‡ß‘πªíπº≈®à“¬ ‡ß‘πªíπº≈®à“¬μàÕÀÿâπ

‡ß‘πªíπº≈®“°°”‰√ªï 2550 ∑’Ëª√–™ÿ¡ “¡—≠ºŸâ∂◊ÕÀÿâπª√–®”ªï 115,000,000 0.50

‡¡◊ËÕ«—π∑’Ë 25 ‡¡…“¬π 2551

‡ß‘πªíπº≈®“°°”‰√ªï 2551 ∑’Ëª√–™ÿ¡ “¡—≠ºŸâ∂◊ÕÀÿâπª√–®”ªï 124,200,000 0.54

‡¡◊ËÕ«—π∑’Ë 28 ‡¡…“¬π 2552

29. ¿“√–ºŸ°æ—π≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ∫√‘…—∑¬àÕ¬¡’¿“√–°“√§È”ª√–°—π≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·°à∫√‘…—∑Õ◊Ëπ®”π«πª√–¡“≥

6.27 ≈â“π‡¬π ·≈– 0.51 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“ À√◊Õ 19.23 ≈â“π∫“∑ (2551: 101 ≈â“π‡¬π ·≈– 1.24 ≈â“π‡À√’¬≠

À√—∞Õ‡¡√‘°“ À√◊Õ 82.64 ≈â“π∫“∑)

30. ‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π

30.1 π‚¬∫“¬°“√∫√‘À“√§«“¡‡ ’Ë¬ß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π∑’Ë ”§—≠¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬μ“¡∑’Ëπ‘¬“¡Õ¬Ÿà „π¡“μ√∞“π°“√∫—≠™’ ©∫—∫∑’Ë 32

ç°“√· ¥ß√“¬°“√·≈–°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈ ”À√—∫‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘πé ª√–°Õ∫¥â«¬ ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ ≈Ÿ°Àπ’È·≈–‡ß‘π„Àâ°Ÿâ¬◊¡ ‡ß‘π≈ß∑ÿπ ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ ·≈–‡ß‘π°Ÿâ¬◊¡√–¬–¬“« ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’§«“¡‡ ’Ë¬ß∑’Ë‡°’Ë¬«¢âÕß°—∫‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π¥—ß°≈à“« ·≈–¡’π‚¬∫“¬°“√∫√‘À“√§«“¡‡ ’Ë¬ß¥—ßπ’È

§«“¡‡ ’Ë¬ß¥â“π°“√„Àâ ‘π‡™◊ËÕ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’§«“¡‡ ’Ë¬ß¥â“π°“√„Àâ ‘π‡™◊ËÕ∑’Ë‡°’Ë¬«‡π◊ËÕß°—∫≈Ÿ°Àπ’È·≈–‡ß‘π„Àâ°Ÿâ¬◊¡ ΩÉ“¬∫√‘À“√§«∫§ÿ¡

§«“¡‡ ’Ë¬ßπ’È‚¥¬°“√°”Àπ¥„Àâ¡’π‚¬∫“¬·≈–«‘∏’°“√„π°“√§«∫§ÿ¡ ‘π‡™◊ËÕ∑’Ë‡À¡“– ¡ πÕ°®“°π’È °“√„Àâ ‘π‡™◊ËÕ¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¡à¡’°“√°√–®ÿ°μ—« ‡π◊ËÕß®“°∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’∞“π¢Õß≈Ÿ°§â“∑’ËÀ≈“°À≈“¬°√–®“¬„π

Õÿμ “À°√√¡μà“ßÊ ·≈–¡’Õ¬Ÿà®”π«π¡“°√“¬ ¥—ßπ—Èπ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®÷ß‰¡à§“¥«à“®–‰¥â√—∫§«“¡‡ ’¬À“¬∑’Ë‡ªìπ “√– ”§—≠®“°°“√„Àâ ‘π‡™◊ËÕπÕ°®“°®”π«π§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠∑’Ë∫—π∑÷°‰«â·≈â«„π∫—≠™’

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

77

§«“¡‡ ’Ë¬ß®“°Õ—μ√“¥Õ°‡∫’È¬∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’§«“¡‡ ’Ë¬ß®“°Õ—μ√“¥Õ°‡∫’È¬∑’Ë ”§—≠Õ—π‡°’Ë¬«‡π◊ËÕß°—∫‡ß‘πΩ“°∏π“§“√ ≈Ÿ°Àπ’È·≈–

‡ß‘π„Àâ°Ÿâ¬◊¡ ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡

≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π∑’Ë ”§—≠ “¡“√∂®—¥μ“¡ª√–‡¿∑Õ—μ√“¥Õ°‡∫’È¬ ·≈– ”À√—∫ ‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π∑’Ë¡’Õ—μ√“¥Õ°‡∫’È¬§ß∑’Ë “¡“√∂·¬°μ“¡«—π∑’Ë§√∫°”Àπ¥À√◊Õ«—π∑’Ë¡’°“√°”Àπ¥Õ—μ√“¥Õ°‡∫’È¬„À¡à (À“°«—π∑’Ë¡’°“√°”Àπ¥Õ—μ√“¥Õ°‡∫’È¬„À¡à∂÷ß°àÕπ) ‰¥â¥—ßπ’È

(Àπà«¬: ≈â“π∫“∑)

ß∫°“√‡ß‘π√«¡

2552

Õ—μ√“¥Õ°‡∫’È¬§ß∑’Ë Õ—μ√“¥Õ°‡∫’È¬

¿“¬„π ¡“°°«à“ ¡“°°«à“ ª√—∫¢÷Èπ≈ßμ“¡ ‰¡à¡’

1 ªï 1 ∂÷ß 5 ªï 5 ªï √“§“μ≈“¥ Õ—μ√“¥Õ°‡∫’È¬ √«¡

‘π∑√—æ¬å∑“ß°“√‡ß‘π

- ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ - - - 215.96 21.21 237.17

- ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ 4,201.00 6,693.08 41.77 - - 10,935.85

- ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π 324.82 317.56 - - - 642.38

- ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - - - 658.94 - 658.94

- ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ 25.60 4.22 - - - 29.82

4,551.42 7,014.86 41.77 874.90 21.21 12,504.16

Àπ’È ‘π∑“ß°“√‡ß‘π

- ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ

®“°∏π“§“√ 3,100.97 - - 60.52 - 3,161.49

- ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√

∑’Ë‡°’Ë¬«¢âÕß°—π 60.00 - - - - 60.00

- ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ 1,210.00 - - - - 1,210.00

- ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√

∑’Ë‡°’Ë¬«¢âÕß°—π 1,600.00 - - 700.00 - 2,300.00

- ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√ 500.00 - - 3,300.00 - 3,800.00

6,470.97 - - 4,060.52 - 10,531.49

78√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

(Àπà«¬: ≈â“π∫“∑)

ß∫°“√‡ß‘π√«¡

2551

Õ—μ√“¥Õ°‡∫’È¬§ß∑’Ë Õ—μ√“¥Õ°‡∫’È¬

¿“¬„π ¡“°°«à“ ¡“°°«à“ ª√—∫¢÷Èπ≈ßμ“¡ ‰¡à¡’

1 ªï 1 ∂÷ß 5 ªï 5 ªï √“§“μ≈“¥ Õ—μ√“¥Õ°‡∫’È¬ √«¡

‘π∑√—æ¬å∑“ß°“√‡ß‘π

- ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ - - - 46.42 14.68 61.10

- ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ 4,013.51 6,182.22 41.16 - - 10,236.89

- ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π 364.53 374.24 - - - 738.77

- ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 4.54 5.94 - 804.85 - 815.33

- ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ 23.62 - 5.47 - - 29.09

4,406.20 6,562.40 46.63 851.27 14.68 11,881.18

Àπ’È ‘π∑“ß°“√‡ß‘π

- ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ

®“°∏π“§“√ 5,530.94 - - 31.66 - 5,562.60

- ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√

∑’Ë‡°’Ë¬«¢âÕß°—π 60.00 - - - - 60.00

- ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ 10.00 - - - - 10.00

- ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√

∑’Ë‡°’Ë¬«¢âÕß°—π - 1,600.00 - 400.00 - 2,000.00

- ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√ - 500.00 - 1,800.00 - 2,300.00

5,600.94 2,100.00 - 2,231.66 - 9,932.60

≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 ·≈– 2551 ∫√‘…—∑œ ‰¥â∑” —≠≠“·≈°‡ª≈’Ë¬πÕ—μ√“¥Õ°‡∫’È¬ (Interest Rate Swap)´÷Ëß¡’√“¬≈–‡Õ’¬¥¥—ßπ’È

¡Ÿ≈§à“¬ÿμ‘∏√√¡ ÿ∑∏‘ °“√‡ª≈’Ë¬π·ª≈ß

«—π∑’Ë¡’º≈∫—ß§—∫ «—π∑’Ë§√∫°”Àπ¥ ¡Ÿ≈§à“ Õ—μ√“ Õ—μ√“ ¥â“πÀπ’È ‘π ¢Õß¡Ÿ≈§à“

μ“¡ —≠≠“ ¢Õß —≠≠“ μ“¡ —≠≠“ ¥Õ°‡∫’È¬√—∫ ¥Õ°‡∫’È¬®à“¬ 2552 2551 ¬ÿμ‘∏√√¡

(≈â“π∫“∑) (√âÕ¬≈–) (√âÕ¬≈–) (≈â“π∫“∑) (≈â“π∫“∑) (≈â“π∫“∑)

14 ¡°√“§¡ 2551 19 ¡’π“§¡ 2553 500 ≈Õ¬μ—« §ß∑’Ë (4.55) (14.82) 10.27

15 ¡°√“§¡ 2551 11 æƒ…¿“§¡ 2553 500 ≈Õ¬μ—« §ß∑’Ë (7.45) (16.08) 8.63

¡Ÿ≈§à“¬ÿμ‘∏√√¡ À¡“¬∂÷ß °”‰√ (¢“¥∑ÿπ) ÿ∑∏‘®“°°“√ª√—∫¡Ÿ≈§à“„Àâ‡ªìπ‰ªμ“¡¡Ÿ≈§à“¬ÿμ‘∏√√¡ ≥ «—π∑’Ë „πß∫¥ÿ≈

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π )

79

§«“¡‡ ’Ë¬ß¥â“π ¿“æ§≈àÕß§«“¡‡ ’Ë¬ß¥â“π ¿“æ§≈àÕß §◊Õ §«“¡‡ ’Ë¬ß®“°°“√√–¥¡∑ÿπ·≈–°“√∫√‘À“√®—¥°“√‡ß‘π∑ÿπ¢Õß∫√‘…—∑œ·≈–

∫√‘…—∑¬àÕ¬ ÷Ëß‡ªìπ§«“¡‡ ’Ë¬ß∑’Ë∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¡à “¡“√∂®—¥À“ ‘π∑√—æ¬å∑’Ë¡’Õ—μ√“μâπ∑ÿπ·≈–«—π§√∫°”Àπ¥∑’Ë‡À¡“– ¡ √«¡∂÷ß§«“¡‡ ’Ë¬ß∑’Ë∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¡à “¡“√∂¢“¬ ‘π∑√—æ¬å∑“ß°“√‡ß‘π‰¥â „π√“§“·≈–√–¬–‡«≈“∑’Ë‡À¡“– ¡

∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬∫√‘À“√§«“¡‡ ’Ë¬ßπ’È¥â«¬°“√°√–®“¬·À≈àß‡ß‘π∑ÿπ‚¥¬°“√„™â‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π∑’Ë

À≈“°À≈“¬ ÷Ëß‰¥â·°à°“√√–¥¡∑ÿπºà“π∑“ß‡ß‘π∑ÿπ·≈–‡ß‘π°Ÿâ ‡§√◊ËÕß¡◊Õ¥—ß°≈à“«∑”„Àâ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’§«“¡¬◊¥À¬ÿàπ„π°“√√–¥¡∑ÿπ·≈–‰¡à®”°—¥°“√≈ß∑ÿπ∑’Ë·À≈àß‡ß‘π∑ÿπ„¥·À≈àß‡ß‘π∑ÿπÀπ÷Ëß‡æ◊ËÕ„Àâ‰¥âμâπ∑ÿπ‡ß‘π∑ÿπ∑’ËμË” ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬æ¬“¬“¡√—°…“√–¥—∫§«“¡ ¡¥ÿ≈√–À«à“ß§«“¡μàÕ‡π◊ËÕß·≈– ¿“æ§≈àÕß¢Õß‡ß‘π∑ÿπ‚¥¬°“√∫√‘À“√Àπ’È

„Àâ¡’«—π∑’Ë§√∫°”Àπ¥™”√–∑’Ë‡À¡“– ¡ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ª√–‡¡‘π§«“¡‡ ’Ë¬ß¥â“π ¿“æ§≈àÕß‚¥¬°“√«‘‡§√“–Àå·≈–μ‘¥μ“¡°“√‡ª≈’Ë¬π·ª≈ß§«“¡μâÕß°“√¢Õß‡ß‘π∑ÿπ‡æ◊ËÕ„Àâ∫√√≈ÿ‡ªÑ“À¡“¬∑“ß∏ÿ√°‘®·≈–·ºπß“π∑’Ë°”Àπ¥‰«â„π °≈¬ÿ∑∏å∑—ÈßÀ¡¥¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬

πÕ°®“°π’È ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®—¥„Àâ°“√∫√‘À“√ ¿“æ§≈àÕß¢Õß ‘π∑√—æ¬å‡ªìπ à«πÀπ÷Ëß¢Õß°≈¬ÿ∑∏å°“√∫√‘À“√

§«“¡‡ ’Ë¬ß¥â“π ¿“æ§≈àÕß

§«“¡‡ ’Ë¬ß®“°Õ—μ√“·≈°‡ª≈’Ë¬π∫√‘…—∑¬àÕ¬¡’§«“¡‡ ’Ë¬ß®“°Õ—μ√“·≈°‡ª≈’Ë¬π‡ß‘πμ√“μà“ßª√–‡∑»∑’Ë‡°’Ë¬«°—∫¿“√–°“√§È”ª√–°—πμ“¡∑’Ë°≈à“«

„πÀ¡“¬‡Àμÿ 29

30.2 ¡Ÿ≈§à“¬ÿμ‘∏√√¡«‘∏’°“√°”Àπ¥¡Ÿ≈§à“¬ÿμ‘∏√√¡¢÷ÈπÕ¬Ÿà°—∫≈—°…≥–¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π „π°√≥’¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π

∑’Ë¡’°“√´◊ÈÕ¢“¬„πμ≈“¥ ¡Ÿ≈§à“¬ÿμ‘∏√√¡®–°”Àπ¥®“°√“§“μ≈“¥≈à“ ÿ¥ ·μàÀ“°‰¡à “¡“√∂À“√“§“μ≈“¥∑’Ë‡À¡“– ¡‰¥â¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π®–°”Àπ¥¢÷Èπ‚¥¬„™â‡°≥±å°“√«—¥¡Ÿ≈§à“∑’Ë‡À¡“– ¡ ‡™àπ °“√§”π«≥¡Ÿ≈§à“

ªí®®ÿ∫—π¢Õß°√–· ‡ß‘π ¥ ‡ªìπμâπ

‡π◊ËÕß®“° ‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π à«π„À≠à¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®—¥Õ¬Ÿà „πª√–‡¿∑√–¬– —Èπ ‡ß‘π„Àâ°Ÿâ¬◊¡·≈–‡ß‘π°Ÿâ¬◊¡¡’Õ—μ√“¥Õ°‡∫’È¬„°≈â‡§’¬ß°—∫Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®÷ßª√–¡“≥¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß ‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π„°≈â‡§’¬ß°—∫¡Ÿ≈§à“μ“¡∫—≠™’∑’Ë· ¥ß„πß∫¥ÿ≈

30.3 °“√∫√‘À“√®—¥°“√∑ÿπ«—μ∂ÿª√– ß§å „π°“√∫√‘À“√®—¥°“√∑ÿπ∑’Ë ”§—≠¢Õß°≈ÿà¡∫√‘…—∑ §◊Õ °“√®—¥„Àâ¡’´÷Ëß‚§√ß √â“ß∑“ß°“√‡ß‘π∑’Ë

‡À¡“– ¡·≈–°“√¥”√ß‰«â´÷Ëß§«“¡ “¡“√∂„π°“√¥”‡π‘π∏ÿ√°‘®Õ¬à“ßμàÕ‡π◊ËÕß

μ“¡ß∫¥ÿ≈ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2552 °≈ÿà¡∫√‘…—∑¡’Õ—μ√“ à«πÀπ’È ‘πμàÕ∑ÿπ‡∑à“°—∫ 6.0:1 (2551: 5.9:1) ·≈–∫√‘…—∑œ ¡’Õ—μ√“ à«π‡∑à“°—∫ 5.3:1 (2551: 4.9:1)

80√ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 2

31. °“√®—¥ª√–‡¿∑√“¬°“√„πß∫°“√‡ß‘π∫√‘…—∑œ ‰¥â¡’°“√®—¥ª√–‡¿∑√“¬°“√∫—≠™’∫“ß√“¬°“√„πß∫°“√‡ß‘π ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2551 „À¡à‡æ◊ËÕ„Àâ

Õ¥§≈âÕß°—∫°“√®—¥ª√–‡¿∑√“¬°“√∫—≠™’„πªïªí®®ÿ∫—π ÷Ëß‰¡à¡’º≈°√–∑∫μàÕ°”‰√ ÿ∑∏‘À√◊Õ à«π¢ÕßºŸâ∂◊ÕÀÿâπ °“√®—¥ª√–‡¿∑

√“¬°“√„À¡à¡’¥—ßμàÕ‰ªπ’È

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√

μ“¡∑’Ë μ“¡∑’Ë‡§¬ μ“¡∑’Ë μ“¡∑’Ë‡§¬

®—¥ª√–‡¿∑„À¡à √“¬ß“π‰«â ®—¥ª√–‡¿∑„À¡à √“¬ß“π‰«â

√“¬‰¥âÕ◊Ëπ 63,521,286 63,056,233 47,490,873 47,025,820

§à“„™â®à“¬„π°“√∫√‘À“√ 251,982,885 299,238,818 197,394,897 236,344,412

§à“„™â®à“¬„π°“√¢“¬ 67,879,761 57,853,155 53,180,187 44,950,791

§à“μÕ∫·∑πºŸâ∫√‘À“√ 37,229,327 - 30,720,119 -

Àπ’È Ÿ≠·≈–Àπ’È ß —¬®– Ÿ≠ 70,632,800 70,167,747 55,762,720 55,297,667

32. °“√Õπÿ¡—μ‘ß∫°“√‡ß‘πß∫°“√‡ß‘ππ’È‰¥â√—∫Õπÿ¡—μ‘„ÀâÕÕ°‚¥¬§≥–°√√¡°“√∫√‘…—∑œ‡¡◊ËÕ«—π∑’Ë 29 ¡°√“§¡ 2553

Asia Sermkij Leasing Public Company Limited81

MESSAGE FROM THE BOARD OF DIRECTORS

The directors have the pleasure in presenting the Company and its subsidiaryûs annual report and audited financialstatements for the year ended December 31, 2009.

ECONOMY & INDUSTRY IN 2009Thailandûs economy had encountered a year-long recession affected by the global economic crisis began in last

quarter of 2008. In 2009, the Thai economy could only make a turnaround in the 4th quarter after it had continuouslydeclined three consecutive quarters. Thus, the GDP growth rate for the full year of 2009 was negative 2.3%, a significantdecrease from 2.6% for 2008. Weak foreign demand in 2009 depressed the export, the economic growth engine, with a

14% drop. Declining export orders further reduced the industrial capacity utilization rate to 62%, which in turn delayed theprivate investment with a decrease of 13%. Massive layoff from low capacity utilization, together with the political unrest,impaired consumer confidence and caused the private consumption to dive by 1.1%.

The central bank maintained the low interest rate to keep the economy afloat, with a reference rate of 1.25% formost of the time in 2009. The government also increased the public spendings under the çStronger Thailandé programs to

stimulate the economy. Along with the slow recovery of the world economy beginning in the second half, Thailand wasable to stop the declining trend of its GDP growth rate and turned it back to positive in the last quarter of 2009.

For the vehicle hire purchase industry, the new car sales decreased by 10.8% from 615,270 units in 2008 to548,871 units in 2009. New pick-up and commercial car sales decreased by 17.5% and 20.8% respectively while newpassenger car sales increased by 1.4%. For the leasing and factoring industries, a substantial drop was seen in the

repurchase and replace of machinery and the requirement of working capital. This was caused by a sharp decrease of thethree major export earners of electronic devices, electrical appliances, and auto plus auto parts which captured the lionûsshare of the countryûs export volumes.

PERFORMANCE IN 2009The Company and its subsidiary, on a consolidated basis, registered total assets of THB 12,569 million as of

December 31, 2009 increasing by 5.3% from THB 11,938 million in 2008 mainly due to the portfolio growth supported bythe business expansion. Internally generated funds of THB 194 million from profitable operations relieved the burden oftotally relying on external borrowings to support the assets increase. The equity base expanded by 4.0% from THB 1,726

million in 2008 to THB 1,796 million in 2009 as a result of the net profit contribution. The financial leverage was increasedby 5.5% from THB 10,211 million in 2008 to THB 10,773 million in 2009. The total revenues advanced by 4.0% from THB1,148 million in 2008 to THB 1,194 million in 2009. Selling and administrative expenses increased 4.6% from THB 357

million in 2008 to THB 373 million in 2009 or equal to 31.3% of total revenues in 2009 versus 31.1% of that in 2008.Finance cost decreased by 6.6% from THB 449 million in 2008 to THB 419 million in 2009 or equal to 35.1% of TotalRevenues in 2009 versus 39.1% of that in 2008. Consequently the net profit increased by 8.2% from THB 179 million in

2008 to THB 194 million in 2009. The net profit margin and return on equity stayed at 16.2% and 11.0% in 2009 ascompared with 15.6% and 10.6% in 2008 respectively.

Annual Report 200982

Total portfolio increased from THB 11,820 million as of December 31, 2008 to THB 12,267 million as of December31, 2009 due to increased disbursements from business expansion. Despite the economic downturn reducing customersûpayment capability, NPLs decreased from 0.92% of the total portfolio as of December 31, 2008 to 0.75% of the total

portfolio at the end of 2009 reflecting good asset quality. The ratio of Allowance for Doubtful Account to NPLs wasprovided at 186.7% at the end of 2009 increased from 146.6% at the end of 2008, indicating the adequacy of theCompanyûs reserve for doubtful debts.

CORPORATE GOVERNANCEThe Board of Directors has established a corporate governance policy to encourage the company to enhance

efficiency, effectiveness, transparency, and assessability of the management. This eventually will create confidenceand long-term benefits of all shareholders, investors, stakeholders and other relevant parties, and strengthen thecompetitiveness and the sustainable growth of the Company.

2010 BUSINESS PROSPECT AND STRATEGYThe Thai economy in 2010 is expected to grow 3.5-4.5% coming from a mixed prediction of a better first half

followed by a slower second half. Riding on the rising trend of the recovery led by the export rebound starting from the4th quarter of 2009, the momentum is expected to continue in the first half of 2010. However, the slowdown in the secondhalf is expected from the unclear global economic recovery, increasing oil price, surging inflation, rising interest rate, and

lingering political instability.

The vehicle hire purchase industry is expected to go hand in hand with the growth of the auto industry which has

forecasted sales of 600,000 units in 2010, an increase of 9% over 2009. The leasing and factoring industries are alsoexpected to benefit from the upturning global demand that brings about the growth of machinery investments and workingcapital requirements.

The business strategy for 2010 is to provide our financial services including hire purchase, leasing, factoring,personal loan, and floor plan to individuals and small-and-medium-sized enterprises with credit worthiness up to our more

prudential credit standards. Likewise, the competitive strategy is to emphasize on quality, speed, and flexibility todifferentiate our services for the selective target customers in our niche segments.

Finally, the Company Board of Directors would like to convey gratitude to shareholders, customers, creditors, andemployees for their support and confidence.

For and on behalf of the Board of Directors.

Dr. Amnuay Viravan Mr. Lo Jun Long

Chairman Managing Director


To Shareholders,The Audit Committee of Asia Sermkij Leasing Public Company Limited consists of four independent and

non-executive directors who have the qualification as stipulated by the Stock Exchange of Thailand, namely,

1. Mr. Pradit Sawattananond Chairman of the Audit Committee and Independent Director2. Mr. Anant Svattananon Audit Committee member and Independent Director3. Associate Professor Dr.Supriya Kuandachakupt Audit Committee member and Independent Director

4. Mr. Kasem Akanesuwan Audit Committee member and Independent Director

The Audit Committee has the role and responsibilities as designated by the Board of Directors in accordancewith the terms and best practices for Audit Committees of the Stock Exchange of Thailand.

During Year 2009, the Audit Committee held 5 meetings including one non-management meeting with externalauditors. In the meetings, coordination with the Companyûs Management, internal auditors and external auditors was made

for the discussion of the related agenda. Each Audit Committee member has dedicated his/her time to attend all themeetings except in the case of necessity. In the year 2009, the attendance record of each member of the Audit Committeeis as follows:

Name No. of Meetings Attended/

No. of Total Meeting (Times)1. Mr. Pradit Sawattananond 5/52. Mr. Anant Svattananon 5/5

3. Associate Professor Dr.Supriya Kuandachakupt 4/54. Mr. Kasem Akanesuwan 4/4*

Remark: * Appointed according to the resolution of the Board of Directorsû meeting No. 2/2009 held on February 25, 2009, after the first

Audit Committeeûs meeting No. 1/2009 held on February 23, 2009.

The Audit Committee has performed the following key activities:1. Reviewed the consolidated quarterly and annual financial statements with the external auditors to ensure

that they were prepared in accordance with the generally accepted accounting principles with the adequateand accurate disclosure of information. The review concluded that the financial statements were prepared inaccordance with the generally accepted accounting principles and the disclosure of information were

adequate, accurate, reliable, and timely.2. Reviewed the quarterly risk management report prepared by the Risk Management Committee covering

credit risk, financial risk, and operational risk to ensure that the Companyûs risk management was in an

acceptable level, and also consulted with the Management to improve the effectiveness of the riskmanagement system.

3. Reviewed the internal control system with the internal auditors and external auditors to assess the adequacy

and effectiveness of the Companyûs internal control system. The Audit Committee reviewed the internalcontrol assessment for the year 2009 in the Assessment Form of Sufficiency of Internal Control Systemprescribed by the Securities and Exchange Commission (SEC). The review concluded that the Companyûs

internal control system was adequate and effective.

AUDIT COMMITTEEûS REPORT


4. Reviewed the compliance of the Companyûs operations with the Securities and Exchange Acts and theStock Exchange of Thailandûs regulations and laws relating to the business of the Company. The reviewconcluded that the Companyûs operations were in compliance with the relevant laws and regulations.

5. Reviewed the connected transactions or transactions which may cause conflict of interest including theaccuracy and completeness of the Companyûs disclosure of such information, to ensure that they were incompliance with the laws and regulations of the Stock Exchange of Thailand, and the Securities and

Exchange Commission. The review concluded that they were consistent with the normal business practicesand all required regulations, and were reasonable for the best benefit of the Company.

6. Considered to select, nominate and recommend the remuneration of the Companyûs external auditors in

order to propose to the Board of Directors for the approval in the Shareholdersû meeting. The AuditCommittee nominated the Ernst & Young Office Limited as the Companyûs external auditors for the year2010 by considering the auditorûs independence and the performance from the previous year. In addition,

the external auditors have no relations with the Company and the subsidiary.

7. Approved the internal audit plan for the year 2010 on a risk-based approach for each business function toconform to the Companyûs strategic plan, acknowledged the significant audit results, and suggested andfollowed up the improvement of audit items from Internal Audit Department to encourage the Companyûs

good internal control, risk management, and corporate governance.8. Acknowledged the annual audit report prepared by the internal auditors of Chailease Group, the Companyûs

major shareholder, as well as followed up the improvement of their suggestions on the significant issues

9. Conducted the self-assessment on the audit committee in accordance with the guideline of the StockExchange of Thailand. The Audit Committee had the opinion that the Audit Committeeûs practice was incompliance with the guideline and enhanced the Companyûs good corporate governance effectively.

In conclusion, the Audit Committee has performed the duties as designated by the Board of Directors

with prudence and independence. In this regard, the Audit Committee concluded that the Companyûs financialstatements were prepared in accordance with generally accepted accounting principles with adequate disclosure.The connected transactions, which may cause conflict of interest, were accurate and consistent with the normal

business practices. The overall internal control, internal audit, and risk management systems were adequate andeffective. Furthermore, the Companyûs operations were in compliance with the relevant laws and regulations andthe principles of good corporate governance.

(Mr. Pradit Sawattananond)Chairman of the Audit Committee


The Board of Directors is responsible for the consolidated financial statements of the company and its subsidiarieswhich have been prepared in accordance with generally accepted accounting standards in Thailand. The accountingpolicies pursued are deemed appropriate and applied consistently with adequate disclosure of important information in the

notes to financial statements. This is for the benefit of the shareholders and general investors who are entitled toacknowledge the information that is accurate, on time and reasonable.

The Board of Directors has appointed the Audit Committee comprising qualified independent directors, to review thequality of financial reports and internal control system. The opinion of the Audit Committee is reported in the AuditCommitteeûs Report in this annual report.

The Board of Directors views that the companyûs internal control system provides reasonable assurance that the financialposition and results of operation are presented accurately.

Dr. Amnuay Viravan Mr. Lo Jun LongChairman of the Board Managing Director

Report of the Board of Directors Responsibilitiesfor Financial Statements


GENERAL INFORMATION

THE COMPANYCompany Name : Asia Sermkij Leasing Public Company Limited.Address : Headquarters 24th Floor, Sathorn City Tower, No.175 South Sathorn Road,

Tungmahamek, Sathorn, Bangkok 10120Tel: 0-2679-6226, 0-2679-6262 Fax: 0-2679-6241-3Rayong Branch No 6, 8 Rayong Center, Sukhumvit Road,Thapradu, Muang, Rayong 21000Tel: 0-3861-2185, 0-3861-7380, 0-3886-0153-5 Fax: 0-3886-0156Samutsakorn Branch 6th Floor, A.T. Tower, No. 923/55, Ekachai Road,Mahachai, Muang, Samutsakorn 74000Tel: 0-3442-6923-33 Fax: 0-3483-7331Phitsanulok Branch No. 9/7-9 Sing-hawat Road, Ban Klong, Muang,Phitsanulok 65000Tel: 0-5521-6566 Fax: 0-5528-2630

Homepage : www.ask.co.thRegistration No. : 0107546000393Business : Hire purchase on all types of automobiles and personal loanIssued and fully paid-up shares : Ordinary shares 230,000,000 shares (as at December 31, 2009)Par value : 5 Baht per shareCredit Rating : BBB+ with Stable Outlook (rating by TRIS Rating Co., Ltd. on October 5, 2009)

THE SUBSIDIARYCompany Name : Bangkok Grand Pacific Lease Public Company LimitedAddress : 10/1th Floor, Sathorn City Tower, No.175 South Sathorn Road,

Tungmahamek, Sathorn, Bangkok 10120Tel: 0-2679-6226, 0-2679-6262 Fax: 0-2679-6241-3

Business : Leasing and Hire Purchase of machinery and vehicles, Factoring BusinessIssued and fully paid-up shares : Ordinary shares 43,850,000 shares (as at December 31, 2009)Par value : 10 Baht per share

REFERENCESCompany Secretary : Weerawong, Chinnawat & Peangpanor LTD.Address 22ND Floor, Mercury Tower, No. 540 Ploenchit Road, Lumpini,

Pathumwan, Bangkok 10330Tel: 0-2264-8000 Fax: 0-2657-2222

Share Registrar : Thailand Securities Depository Co., Ltd.Address : 4th,7th Floor, The Stock Exchange of Thailand Building,

No. 62 Ratchadapisek Road, Klongtoey, Bangkok 10110Tel: 0-2229-2800 Fax: 0-2359-1259

Auditor : Ernst & Young Office LimitedAddress : 33rd Floor, Lake Rajada Office Complex, No. 193/136-137 Rajadapisek Road,

Klongtoey, Bangkok 10110Tel: 0-2264-0777 Fax: 0-2264-0789-90


FINANCIAL HIGHLIGHTS

2009 2008 2007

ASSETS (Million Baht)

Total assets 12,569.20 11,937.70 10,865.60

Hire-purchase receivables - net 10,821.35 10,119.60 9,108.27

Financial lease receivables - net 613.41 722.95 676.26

Factoring receivables - net 632.28 790.90 773.61

LIABILITIES AND SHAREHOLDERSû EQUITY (Million Baht)

Total liabilities 10,773.48 10,211.42 9,203.24

Total shareholdersû equity 1,795.72 1,726.28 1,662.36

OPERATING RESULTS (Million Baht)

Total revenues 1,193.80 1,147.74 1,051.42

Hire-purchase income 916.43 842.57 779.63

Leasing income 65.26 71.53 65.53

Factoring income 50.77 68.51 52.69

Selling and administrative expense 373.38 357.09 311.08

Bad debts and doubtful accounts 113.85 70.63 85.05

Finance cost 419.04 448.58 439.57

Net profit after tax 193.63 178.92 166.38

PROFITABILITY RATIO

Interest revenue 1/ (%) 8.72 8.87 9.13

Interest expense 1/ (%) 4.10 4.74 5.27

Interest Spread (%) 4.62 4.13 3.86

Net profit margin (%) 16.22 15.60 15.82

Return on equity (%) 11.00 10.56 10.27

Earning per share (Baht/Share) 0.84 0.78 0.72

Book value per share (Baht/Share) 7.81 7.51 7.23

Dividend payout (%) 69.42 69.12 67.89

Dividend per share (Baht/Share) 0.54 0.50 0.35

EFFICIENCY RATIO

Return on asset (%) 1.58 1.57 1.64

Asset turnover (Times) 0.10 0.10 0.10

FINANCIAL RATIO

Debt to equity (Times) 6.00 5.92 5.54

Lendings to borrowings (Times) 1.18 1.19 1.20

NPL to total lendings (%) 0.75 0.92 0.77

Source : Consolidated financial statements of Asia Sermkij Leasing Public Company Limited for the Year 2007-2009 audited by certified public

accountant

Note 1/ Interest revenue is an Effective Rate and interest expense includes aval and guarantee fees.




CORPORATE ACTIVITIESCORPORATE ACTIVITIES


Overview of Business OperationAsia Sermkij Leasing Public Company Limited (the çCompanyé) was established in Year 1984 by Bangkok Bank

Public Company Limited Group to operate hire purchase business for all types of automobiles in the form of new car

financing to its customers in Bangkok and metropolitan area. Subsequently the Company has expanded its business intoused car hire purchase, personal loan and floor plan financing as well as other services such as auto registration, taxrenewal and insurance services. Currently, the Company operates 3 branches in Rayong, Samutsakorn and in Phitsanulok

provinces.

The Company has 1 subsidiary, namely Bangkok Grand Pacific Lease Public Company Limited (the çSubsidiaryé),which was previously a major shareholder, holding 99.99 percent shares, of the Company prior to the restructuring of thegroup company in May 2004. Subsequently when the Company planned to be listed on the Stock Exchange of Thailand,

the shareholders of Bangkok Grand Pacific Lease Public Company Limited decided to reorganize the shareholdingstructure by having direct shareholding in the Company and arranging the Bangkok Grand Pacific Lease Public CompanyLimited to become a subsidiary of the Company.

Structure and Operation of the Group Company

The Company The Subsidiary

Asia Sermkij Leasing Public Company Limited Bangkok Grand Pacific Lease Public Company Limited *

- Automobile hire purchase - Machinery and vehicle leasing

- Personal loan 99.99% - Machinery and vehicle hire purchase

- Floor plan financing → - Domestic factoring

- Auto registration, tax renewal and - International factoring

insurance facilitation service - Insurance facilitation service

Note * The Company became a shareholder in Bangkok Grand Pacific Lease Plc in May 2004.

Business Operation in Each Product LineBusiness operation of the group company can be classified into 4 main categories, i.e. 1) Automobile hire purchase

2) Machinery and vehicle leasing / hire purchase 3) Domestic and international factoring and 4) Other services includingpersonal loan & floor plan financing, auto registration, tax renewal and insurance facilitation service. Details are as follows:

1. Automobile Hire Purchase BusinessThe Company offers auto hire purchase, mainly to individual customers, for both new and used automobile,

including passenger and commercial car, e.g. pickup, van, truck and taxi, etc. Majority of the Companyûs customersare in Bangkok and metropolitan area followed by customers in the central and eastern. The Company is afounding member of Thai Hire Purchase Association which one of the Companyûs management is a director of such

association. In addition, the Company is a member of the National Credit Bureau Co., Ltd.

NATURE OF BUSINESS


2. Machinery and Vehicle Leasing / Hire Purchase BusinessThe Subsidiary has commenced its leasing and hire purchase businesses since Year 1989 primarily to

corporate customers. The leasing credit includes both financial lease and operating lease. The majority of

the business operators utilizing services of the Subsidiary are situated in Bangkok and metropolitan area. TheSubsidiary focuses on providing service to small and medium size enterprises in industries with growth andprofitability potential such as Electrical Products, Printing and Publishing, and Chemicals and Plastics. Assets under

leasing and hire purchase agreement include machinery, equipment and vehicle. Leased and hire-purchasedmachinery of the Subsidiary consists of both new and used machines, particularly durable and liquid machinerywhose technology does not change rapidly. Leased and hire-purchased vehicles include various types of both new

and used vehicles, i.e. pickup, van and truck, etc. Currently the Subsidiary is a member of Thailand LeasingAssociation.

3. Factoring BusinessThe Subsidiary has commenced its factoring business since Year 1999 mainly to the small and medium

size corporate customers with good operating performance, strong financial status and repayment ability in the

industries with growth potential and the need of short-term working capital. Target customers of the Subsidiaryfor factoring include business operators in Electrical Products, Chemicals and Plastics, and Machinery andEquipment. Factoring service can be divided into 2 main areas including domestic factoring, a purchase of claiming

rights to collect payment from receivables of products and service providers whose business counterparts(purchasers) are domestic entities, and international factoring, a purchase of claiming rights over trade receivablesfrom the products and service providers whose business counterparts (purchasers) are situated overseas

worldwide. International factoring can be further divided into 2 main categories as follows:

- Import FactoringThe Subsidiary provides guarantee on the purchaserûs (importer) payment capability to the seller

overseas. In case where the importer fails to make payment for goods and service after 90 days from the

due date, the Subsidiary, as a guarantor, will be obliged to make payment on such products and serviceson behalf of the importer. The Subsidiary will then make recourse to the purchaser (importer) or itsguarantor. In case of dispute between the purchaser and the seller, the Subsidiary will not be obliged for the

payment until such dispute is resolved.- Export Factoring

The Subsidiary acts as intermediary in the coordination with the import factor of the oversea importer,

business counterpart of the domestic exporter. It also verifies the status of the importer through importfactor and provides debt guarantee to the exporter in case where the foreign importer fails to make paymentfor goods and service after 90 days from the due date. In lieu of the foreign importer, the import factor will

make payment to the Subsidiary to be further forwarded to the exporter for its goods and services.

Presently, the Subsidiary is a member of the Factors Chain International (éFCIé).


4. Other Financing Businesses and ServicesThe Company provides other financing services such as personal loan and floor plan financing. Personal

loan is a special service offered only to the good customers in need of cash with a credit line of Baht 50,000 per

customer with short repayment term and hire-purchased vehicles as collateral. The Company has commencedpersonal loan service since Year 2002.

In addition, the Company has commenced its floor plan financing service since late 2003 to auto dealers asa source of fund for auto purchasing for resale to enhance their liquidity. The Company provides such financial

support on a selective basis only to auto dealers who referred hire purchase customers to the Company.

The Company and its subsidiary also provide other services to auto hire purchase customers including autoregistration, tax renewal and insurance facilitation services, etc. in order to provide full range of service to thecustomers.

Revenue Structure of the Company and its SubsidiaryDuring the Year of 2007-2009, revenue structure of the Company and the subsidiary can be classified by the types

of businesses as follows:

Type of Business Operated by Year 2009 Year 2008 Year 2007Revenue % Revenue % Revenue %(MBaht) (MBaht) (MBaht)

Hire purchase Company and its subsidiary 916.44 76.77 842.57 73.41 779.63 74.15

Leasing Subsidiary 65.26 5.47 71.53 6.23 65.53 6.23

Factoring Subsidiary 50.77 4.25 68.51 5.97 52.69 5.01

Other income * Company and its subsidiary 161.33 13.51 165.13 14.39 153.57 14.61

Total 1,193.80 100.00 1,147.74 100.00 1,051.42 100.00

Remark: * Other income includes income from personal loan, floor plan financing, income from registration fee and service, income from late

payment fine, income from recommending insurance services, interest income, dividend income, other incomes and etc.

Corporate Mission, Corporate Vision and Corporate ValueCorporate Mission

1. To identify and satisfy the financial needs of customers for their success and well-being2. To seek steady profitable growth only from areas where we have the competencies to create sustainable

competitive advantages

3. To pursue the best interests of all stakeholders

Corporate Vision

To become a specialized financial institution with leading niche market position to provide solutions regardingconsumer and trade finance to individuals and SMEs

Corporate ValueçService with Passioné which is based on the beliefs of Modesty leads to Harmony and Honesty builds Credibility

with the following principles :


ë Modesty : Non-stop development with innovationë Harmony : Teamwork with family spiritë Honesty : Integrity with truth

ë Credibility : Mutual trust with stakeholders

Business Competition1. Automobile Hire Purchase Business

Auto hire purchase business had slowed down in 2009 due to a reduction of more than 10% in domesticauto sale resulting from the countryûs economic recession as well as political uncertainty. Business operators,

therefore, endeavor to sustain themselves through the economic recession. In 2010 domestic auto sale isforecasted to improve from that in 2009 by approximately 9% or total auto sale of 600,000 units attributable byeconomic recovery and promotional projects from the government. As a result of increase in auto sale, auto

hire purchase business should improve accordingly. Competition in term of pricing and promotions to increasemarket share may become more intense in hire purchase business accordingly.

2. Machinery and Vehicle Leasing / Hire Purchase BusinessMachinery and Vehicle leasing/ Hire Purchase business expand according to economic condition. During the

expanding, both businesses will expand accordingly to support investment for business expansion. In 2009,

Machinery and Vehicle leasing/ Hire Purchase business are affected mainly from recession arisen from financialcrisis and political uncertainty, resulting in a decline in domestic leasing volume. Governmental economic stimulusmeasures, e.g. Stronger Thailand Project (Thai Khem Kaeng), is expected to improve overall economic condition of

the country, thereby increasing in domestic investment accordingly. Manufacturing sector, both in form of invest-ment for capacity expansion of the existing products and investment in additional production line for new products,which should increase leasing volume for both machinery and vehicle.

3. Factoring BusinessFactoring is one type of financing which helps increase liquidity to business operators by which they can

receive advance payment for the product and service used as a working capital. As such, the factoring businesshas continually gained its popularity especially during economic recession and the financial institutions intensifytheir credit approval to avoid credit default from the borrowers. Gaining its popularity, the factoring business

becomes more competitive, both in terms of pricing and servicing. The factoring service providers consequentlyattempted to offer a low interest rate to attract customers together with quick and integrated variety of services tofacilitate the customers to quickly draw down cash advance for their working capital. Due to the fact that the

Subsidiary provides both domestic and international factoring together with its policy to provide quality financing byemphasizing on the quality and financial status of product/ service sellers and their accounts receivables, clear andaccurate assignment procedure and system, provision of support only to business with potential and low-risk as well

as financing mostly with recourse, the Subsidiary then has potential to compete in the market.


1. Risk of Mismatching between the Term of Financing and Source of FundThe Company and its subsidiary charges a fixed interest rate to their hire purchase and leasing customers

throughout the term of agreements whilst major loans whose borrowing costs fluctuate according to the marketinterest rate. This leads to fluctuation of interest rate risk especially when the interest rate increases. However, asapproximately 43 percent in 2009 and 44 percent in 2008 of total receivables of the Company and its subsidiaryare repaid in each year, the Company and its subsidiary can lend the proceeds collected to new debtors at thehigher interest rate according to the market rate.

In relation to the financial liquidity risk, the Company and its subsidiary can be exposed to the risk ofdemand for loan repayment or non-renewal of the loans after maturity by the financial institutions as the majorityof loan of the Company and its subsidiary are short-term. However, most of these short-term loans are fromfinancial institutions, which are the Companyûs major shareholder, and hence the risk of demand for repayment isminimal. In addition, since the economic crisis in the Year 1997 the Company and its subsidiary have neverincurred any problem concerning the source of borrowing and sufficiency of the working capital as their short-termloans have never been recalled for repayment or unable to renew upon maturity. In addition, the Company and itssubsidiary has secured additional credit line from domestic financial institutions and diversified more fund from newsources such as equity market and debt market, which can reduce the liquidity risk.

2. Risk from Marketing and CompetitionDue to the fact that the auto hire purchase financing of the Company correlates to the change of domestic

auto sales together with the fact that the Company and its subsidiaryûs incomes are mainly derived from auto hirepurchase services, accounting for around 76.77 percent of total revenue at the end of Year 2009, the Company andits subsidiary may expose to highly competitive and the risk arisen from the recession of automobile industry.However, the Company and its subsidiaryûs policy are to offer a good quality service, to maintain the existingcustomer base, to have strict credit approval and to have a monitoring measure for customer repayment process.In addition, the Company will focus an increase in the proportion of other hire purchase segments which is notimpacted from the recession of automobile industry, and the increase of income from service fee in order toincrease the profitability of the Company and its subsidiary.

3. Risk of Used Cars FinancingAlthough financing used cars encounters a higher risk than financing new cars, it provides a higher return.

Nowadays, customers with low purchasing power have more chance to buy a car as there is higher flexibility oncredit approval in the market. In order to prevent the risk which may arise from financing on used cars, theCompany sets out a policy of financing on autos that are popular, liquid and durable which will be easily marketableat good prices in resale market. A measure on credit approval on used cars is strictly and tightly set out.Additionally, the Company has policy to maintain a good relationship with a number of used car dealers. Used cartransaction will be made only with trustworthy and financially stable dealers who only sell quality used car atreasonable prices. This will help reduce the potential risk which may arise from the substandard used cars whileincreasing confidence of the Companyûs customers. The Company is also staffed with experiences in used carmarketing together with specific expertise in used car appraisal and inspection to maximize the accuracy of creditverification. Additionally, the staffs are also highly experienced in debt monitoring, collection and acceleration.Accordingly, the Company has never experienced loss arising from significant error in the appraisal of hire-purchased cars.

RISK FACTORS


4. Risk of Non-Performing LoansRisk of non-performing loans is one of the risks which might arise as a result of financing. Thus Credit

providers require qualified personnel, efficient credit approval system and adequately strict credit control and

collection. To prevent the risk from non-performing loans, the Company and its subsidiary hence have laid out themeasures comprising screening of quality employees and customers, strict and careful credit approval and effectivecredit control and collection. In addition, the Company and its subsidiary opt for the liquid and popular assets which

can be promptly resold at a good price, to generate profit or minimize loss, in case of default of payments.However, in case where the selling price of asset sold is less than the amount of outstanding debts, the Companyand its subsidiary can pursue the collection and legal proceeding to claim for the remaining debts from its debtors.

As such, the risk from non-performing loans of the Company and its subsidiary has been minimal. As at the endof Year 2009 and 2008, non-performing loans accounted for 0.75 percent and 0.92 percent of total outstandingreceivables of the Company and its subsidiary, respectively. In addition, the Company and its subsidiary also

continued to collect these bad debts and can partially collect money and other assets from the debtors.


Organization Chart

SHAREHOLDING AND MANAGEMENT STRUCTURE

Board of Directors

Executive Board ofDirectors

Managing Director

Audit Committee

Internal Audit Dept.

General Manager

Senior AGM

AGM(Marketing Divis)

Marketing

(Line 1)

Marketing

(Line 2)

Insurance

Dept.

AGM(Branch Divis)

AGM (CreditControl Divis)

Chief Financial

Officer

Chief Information

Officer

Chief Administration

Officer (Acting)

RayongBranch

SamutsakornBranch

PhitsanulokBranch

CustomerService Dept.

DebtManagement

Dept.

VerificationDept.

AccountingDept.

Finance Dept.

InvestorRelations Dept.

InformationSystem andAutomation

Dept.

Planning Dept.

HumanResources andAdministration

Dept.

CreditOperation

Dept.

(Marketing Only)

Legal Dept.


Shareholding Structure

The top 10 shareholders as at December 30, 2009 are:

No. Name No. of Shares

(Shares) %

1. Chailease Finance Co., Ltd. 86,096,730 37.432. AK Enterprise (Thailand) Co., Ltd. 80,452,280 34.983. Bangkok Bank Public Company Limited 16,899,560 7.35

4. Mr. Chatree Sophonpanich 11,212,360 4.875. Thai NVDR Co., Ltd. 10,630,400 4.626. Mrs. Supaporn Chansaereewittaya 2,270,000 0.99

7. Bangkok Insurance Public Company Limited 2,204,280 0.968. Mrs. Vaewta Luareesuwan 1,350,000 0.599. Mr. Sopon Viraseranee 1,199,600 0.52

10. Mr. Koo John-Lee 1,079,640 0.47Total 213,394,850 92.78

ManagementManagement structure includes the Board of Directors, the Executive Board of Directors, the Audit Committee and

the Management.

Board of Directors

As of December 31, 2009, the Companyûs Board of Directors consists of 12 members with 4 members of the AuditCommittee as follows:

1 Dr. Amnuay Viravan Chairman of the Board of Directors/

Chairman of the Executive Board of Directors2 Mr. Lo, Jun-Long Executive Director/ Managing Director3 Mr. Tientavee Saraton Executive Director

4 Mr. Shen, Ying-Hui Executive Director5 Mr. Huang, Cheng-Ming Director6 Mr. Chen, Fong-Long Director

7 Mr. Liu, Chia-Jeang* Director8 Mrs. Patima Chavalit Director9 Mr. Pradit Sawattananond Chairman of the Audit Committee/ Independent Director

10 Mr. Anant Svattananon Member of the Audit Committee/ Independent Director11 Asso. Prof. Dr. Supriya Kuandachakupt Member of the Audit Committee/ Independent Director12 Mr. Kasem Akanesuwan* Member of the Audit Committee/ Independent Director

Remark : * According to the resolution of the Companyûs meeting of the Board of Directors No. 2/2009 held on February 25, 2009, it opined appointed

Mr. Liu, Chia-Jeang to be a director and Mr. Kasem Akanesuwan to be a Member of the Audit Committee/ Independent Director effective

on February 25, 2009.


Power, Role and Responsibilities of the Board of Directors1. To administrate and manage the Companyûs business in conformity with applicable laws, company objectives, and

the articles of association as well as the resolutions of the shareholdersû meeting. To use his authority to do anyaction as specified in the memorandum of association or which may be relevant to such action pursuant to thePublic Limited Companies Act honestly and in good faith and with care to preserve the interest of the Company andto disclose any information accurately and completely standardized and to be transparent.

2. To consider and have Authority on Credit Approval, Non-Policy Expenses Approval, and Non-Policy Assets(Buying and Selling) Approval as granted from Shareholders Meeting, other Non-Policy, and annual business plan,budgeting, or management including policy or administrative matters which has no set policy or which is beyond theauthority of the Executive Board of Directors but requested for approval by them under the authority and/orauthorized amount that the Board of Directors are approved by the meeting of shareholders.

3. The Board of Directors may appoint the directors and/or some executives as deemed appropriate to administrateand manage the Companyûs business as assigned by the Board of Directors; unless it is clearly stipulatedotherwise in the Companyûs article of association.

4. A director shall not: operate any business which has the same nature and is in competition with the business ofthe company; become a partner in an ordinary partnership; become a partner with unlimited liability in a limitedpartnership, or become a director of a private company or any other public limited company operating businesswhich has the same nature as and is in competition with the business of the Company either for the directorûs ownbenefit or for the benefit of other persons, unless the director notifies the shareholdersû meeting before theresolution for his or her appointment has passed.

5. A director shall, without delay, notify the Company in case that he/she has a direct or indirect interest in anycontract which is made by the Company during the fiscal year, and shall indicate the nature of the contract, namesof the contracting party and his/her interest in the contract. Furthermore, a director shall notify the Company ifhe/she holds shares or a debenture or any other securities of the Company or any affiliated company, which haveincreased or decreased during the fiscal year.

6. A director who has specific interest in any matter shall not be entitled to vote on such matter.7. At any meeting, in an event of a tie vote, the chairman of the meeting shall have the casting vote.8. The Board of Director will stipulate the company to have the efficient and effectiveness internal control system by

appointing the internal audit department to follow up and co-proceed and coordinate with the Audit Committee toconduct the business of the company to comply with the laws and the regulations of competent bodies in line withbusiness moral.

The authorization of powers to the Board of Directors shall be subject to the laws, rules and regulations of theCompany and relevant authorities such as the Securities and Exchange Commission, the Stock Exchange of Thailand.

Executive Board of DirectorsAs of December 31, 2009, the Executive Board of Directors consists of 6 members as follows:

1 Dr. Amnuay Viravan Chairman of the Board of Directors/Chairman of the Executive Board of Directors

2 Mr. Lo, Jun-Long Executive Director/ Managing Director3 Mr. Tientavee Saraton Executive Director4 Mr. Shen, Ying-Hui Executive Director5 Mr. Chen, Fong-Long Director6 Mr. Liu, Chia-Jeang Director


Power, Role and Responsibilities of the Executive Board of Directors1. To generally act on behalf and in the interest of the Company and its subsidiaries to carry on the business.2. To administrate the Companyûs business under the resolutions/ regulations of the Board of Directors.

3. To consider and have Authority on Credit Approval, Non-Policy Expenses Approval, Non-Policy Assets (Buying andSelling) Approval, and request for approval to the Board of Director for which is beyond the granted authority and/orauthorized amount. To consider and have authority on personnel Policy which includes recruiting, transferring,

promoting, terminating, compensating, annual salary increase and other related human resource management asgranted from the Board of Directors.

4. To appoint one or more directors in the Executive Board of Directors or other persons to perform which is under

the any act and they supervision of the Executive Board of Directors as the Executive Board of Directors may deemappropriate and within the period defined by them. However, such appointment may be revoked, altered, changedas the Executive Board of Directors deemed appropriate.

5. To perform any other act delegated by the Board of Directors. In authorizing the Power, Role and Responsibility ofthe above Executive Board of Directors, such authority shall be under the rules and regulationsû of relevant laws,regulations and article of association of the Company. In addition, the members of the Executive Board of Directors

or then related persons will not be able to approve the transactions which are not normal course of business of theCompany or under generally accepted conditions while they have conflict or participation or interest against theCompany or the Companyûs subsidiary and shall report the transactions to the Board of Directors to comply with

the role and regulation of the SET.

Audit Committee

As of December 31, 2009, the Audit Committee consists of 4 members as follows:

1 Mr. Pradit Sawattananond Chairman of the Audit Committee/ Independent Director2 Mr. Anant Svattananon Member of the Audit Committee/ Independent Director

3 Asso. Prof. Dr. Supriya Kuandachakupt Member of the Audit Committee/ Independent Director4 Mr. Kasem Akanesuwan* Member of the Audit Committee/ Independent Director

Remark : * According to the resolution of the Companyûs meeting of the Board of Directors No. 2/2009 held on February 25, 2009, it opined appointed

Mr. Kasem Akanesuwan to be a Member of the Audit Committee/ Independent Director effective on February 25, 2009.

Role and Responsibilities of the Audit Committee1. To review the Companyûs financial reporting process to ensure that it is accurate and adequate

2. To review the Companyûs internal control system and internal audit system to ensure that they are suitable andefficient, to determine an internal audit unitûs independence, as well as to approve the appointment, transfer anddismissal of the Internal Audit Department Head or any other unit in charge of an internal audit

3. To review the Companyûs compliance with the Securities and Exchange Act., the Stock Exchange of Thailandûsregulations, and the laws relating to the Companyûs business

4. To consider, select and nominate an independent person to be the Companyûs external auditor, and to propose

such personûs remuneration, as well as to attend a non-management meeting with an auditor at least once a year5. To review the Connected Transactions, or the transactions that may lead to conflicts of interests, to ensure that

they are in compliance with the laws and the Stock Exchange of Thailandûs regulations, and are reasonable and for

the highest benefit of the Company


6. To prepare, and to disclose in the Companyûs annual report, an audit committeeûs report which must be signed bythe audit committeeûs chairman and consist of at least the following information:a) An opinion on the accuracy, completeness and creditability of the Companyûs financial report,

b) An opinion on the adequacy of the Companyûs internal control system,c) An opinion on the compliance with the Securities and Exchange Act., the Stock Exchange of Thailandûs

regulations, or the laws relating to the Companyûs business,

d) An opinion on the suitability of an auditor,e) An opinion on the transactions that may lead to conflicts of interests,f) The number of the audit committee meetings, and the attendance of such meetings by each committee

member,g) An opinion or overview comment received by the audit committee from its performance of duties in

accordance with the charter, and

h) other transactions which, according to the audit committeeûs opinion, should be known to the shareholdersand general investors, subject to the scope of duties and responsibilities assigned by the Companyûs boardof directors; and

7. To perform any other act as assigned by the Companyûs Board of Directors, with the approval of the audit

committee.

Management

As of December 31, 2009, management comprises:

1 Dr. Amnuay Viravan Chairman of the Board of Directors/Chairman of the Executive Board of Directors

2 Mr. Lo, Jun-Long Executive Director/ Managing Director3 Mr. Tientavee Saraton Executive Director4 Mr. Shen, Ying-Hui Executive Director

5 Mr. Srayuth Khaola-iead General Manager6 Mr. Danai Lapaviwat Chief Financial Officer/ Secretary to the Board of Directors7 Mr. Sarayuth Chaisawadi Chief Information Officer/ Acting Chief Administrative Officer

8 Mr. Chonpichet Tantigittipinyo Senior Assistant General Manager


Board of Directors and Managementsû Profiles

Dr. Amnuay Viravan Chairman of the Board/ Chairman of the Executive Board of Directors

Highest Education Doctor of Philosophy in Business Administration, University of Michigan, U.S.A.Experience2004-Present Chairman of the Executive Board of Directors,

Asia Sermkij Leasing Public Company Limited1999-Present Chairman of the Board of Directors, Asia Sermkij Leasing Public Company Limited1999-Present Chairman of the Board of Directors/ Chairman of the Executive Board of Directors,

Bangkok Grand Pacific Lease Public Company Limited2009-Present Honorary Chairman, Union Plastic Public Company Limited2009-Present Honorary Chairman, Union Technology (2008) Public Company Limited

2009-Present Honorary Chairman, Union Pioneer Public Company Limited2009-Present Honorary Chairman, Saha-Union Public Company Limited2009-Present Honorary Chairman, Union Textile Industrial Public Company Limited

1999-2009 Chairman of the Board of Directors, Asia Cement Public Company Limited2007-2008 Chairman of the Board of Directors, Union Plastic Public Company Limited2007-2008 Chairman of the Board of Directors, Union Technology (2008) Public Company Limited

2007-2008 Chairman of the Board of Directors, Union Pioneer Public Company Limited2002-2008 Chairman of the Board of Directors, Saha-Union Public Company Limited2002-2008 Chairman of the Board of Directors, Union Textile Industrial Public Company Limited

Director program Director Accreditation Program No. 18/2004, Thai Institute of Directors Association

Changes of shares held as at December 31, 2009, compared with those of 2008 Remain unchange at 925,600 shares

Mr. Lo, Jun-Long Executive Director/ Managing Director

Highest Education Master of Business Administration, University of Santa Clara, U.S.A.Experience

2004-Present Executive Director, Asia Sermkij Leasing Public Company Limited1999-Present Director/ Managing Director, Asia Sermkij Leasing Public Company Limited1999-Present Executive Director/ Managing Director,

Bangkok Grand Pacific Lease Public Company LimitedDirector program Director Accreditation Program No. 22/2004, Thai Institute of Directors Association

Director Certification Program No. 48/2004, Thai Institute of Directors Association

Changes of shares held as at December 31, 2009, compared with those of 2008 Remain unchanged at 180,050 shares


Mr. Tientavee Saraton Executive Director

Highest Education Master of Science in Management, Arthur D. Little Management Education Institute,U.S.A.

Experience

2004-Present Executive Director, Asia Sermkij Leasing Public Company Limited2004-Present Executive Director, Bangkok Grand Pacific Lease Public Company Limited1999-Present Director, Bangkok Grand Pacific Lease Public Company Limited

1992-Present Director, Asia Sermkij Leasing Public Company Limited2005-2009 Vice Chairman, Thai Hire Purchase Association2006-2008 Deputy Managing Director, Asia Sermkij Leasing Public Company Limited

1992-2006 General Manager, Asia Sermkij Leasing Public Company LimitedDirector program Director Accreditation Program No. 22/2004, Thai Institute of Directors Association



Mr. Shen, Ying-Hui Executive DirectorHighest Education Master of Business Administration, National Central University, Taiwan, R.O.C.Experience2006-Present Director/ Executive Director, Asia Sermkij Leasing Public Company Limited

2006-Present Director/ Executive Director, Bangkok Grand Pacific Lease Public Company Limited2006-Present Senior Assistant General Manager, Bangkok Grand Pacific Lease Public Company Limited2006-Present Executive Vice President, Chailease Finance Co., Ltd.

2001-2006 Executive Vice President, Chailease Consumer Finance Co., Ltd.Director program Director Accreditation Program No. 57/2006, Thai Institute of Directors Association

Changes of shares held as at December 31, 2009, compared with those of 2008 None

Mr. Huang, Cheng-Ming DirectorHighest Education Master of Science in Management, Massachusetts Institute of Technology (MIT), U.S.A.

Experience2004-Present Director, Asia Sermkij Leasing Public Company Limited2004-Present Director, Bangkok Grand Pacific Lease Public Company Limited

2009-Present President, Grand Pacific Investment and Development Co., Ltd.2007-2009 Senior Executive Vice President/ Director, Financial One Corp.2007-2009 Director, Grand Pacific Holdings Corp.

2006-2009 Chairman, Chailease International Leasing Co., Ltd.2004-2009 Senior Executive Vice President/ Director, Chailease Finance Co., Ltd.Director program None



Mr. Chen, Fong-Long Director

Highest Education Master of Science in Management, Massachusetts Institute of Technology (MIT), U.S.A.Experience1999-Present Director, Asia Sermkij Leasing Public Company Limited

1999-Present Director, Bangkok Grand Pacific Lease Public Company Limited2010-Present President, My Fleet Co., Ltd.2009-Present Chairman and President, Chailease Consumer Finance Co., Ltd.

2009-Present CEO, Financial One Corp.2008-Present Chairman, Chailease Auto Service Co., Ltd.2008-Present Chairman, Chailease International Corp.

2007-Present Chairman, Chailease Finance Co., Ltd.2007-Present President/ Director, Financial One Corp.2007-Present Director, Grand Pacific Holdings Corp.

2007-Present Chairman, My Fleet Co., Ltd.2007-Present Chairman and President, Chailease International Finance Co. Ltd.2006-Present Chairman of Control Committee, Chailease International Leasing Company (Vietnam)

2002-Present President, Chailease Finance Co., Ltd.2000-Present Director, Chailease Consumer Finance Co., Ltd.Director program None


Mr. Liu, Chia-Jeang Director (Appointed effective February 25, 2009)Highest Education Master of Business Administration, Sloan School of MIT, U.S.A.Experience

2009-Present Director, Asia Sermkij Leasing Public Company Limited2009-Present Director, Bangkok Grand Pacific Lease Public Company Limited2009-Present Chairman and Director, Chailease International Leasing Co., Ltd.

2009-Present Chief Financial Officer/ Executive Director, Financial One Corp.2009-Present Director, Grand Pacific Holdings Corp.2009-2009 Supervisor, Chailease Auto Service Co., Ltd.

2009-2009 Supervisor, My Fleet Co., Ltd.2004-2008 President, Grand Pacific Credit Co., Ltd.Director program None

Changes of shares held as at December 31, 2009, compared with those of 2008 None


Mrs. Patima Chavalit DirectorHighest Education Bachelor of Accounting Theory, Chulalongkorn UniversityExperience

1993-Present Director, Asia Sermkij Leasing Public Company Limited1999-Present Director, Bangkok Grand Pacific Lease Public Company Limited2008-Present Senior Vice President, Human Resource Division, Bangkok Bank Public Company Limited

2005-2008 Senior Vice President, Office of the President, Bangkok Bank Public Company Limited2001-2005 Director/ Executive Vice President, Bualuang Finance Co., Ltd.Director program Director Certification Program No. 48/2004, Thai Institute of Directors Association


Mr. Pradit Sawattananond Chairman of the Audit Committee/ Independent DirectorHighest Education Master of Business Administration, Central State University, Oklahoma, U.S.A.Experience

2004-Present Chairman of the Audit Committee/ Independent Director,Asia Sermkij Leasing Public Company Limited

2004-Present Independent Director/ Audit Committee Member, Thai Film Industries Public Company Limited

2000-Present Independent Director/ Audit Committee Member, KGI Securities Public Company Limited2005-2006 Advisor of the Committee on Economics Department, The House of Representatives2003-2006 Director, Thailand Securities Depository Co., Ltd.

2001-2006 Specialist of Committee on Finance, Banking and Financial Institution,The House of Representatives

Director program Director Accreditation Program No. 19/2004, Thai Institute of Directors Association

Director Certification Program No. 3/2000, Thai Institute of Directors AssociationAudit Committee Program No. 3/2004, Thai Institute of Directors AssociationImproving the Quality of Financial Report No.4/2006,

Thai Institute of Directors Association


Mr. Anant Svattananon Audit Committee/ Independent DirectorHighest Education Commerce Course, The Institute of Foreign Languages Business Development &

Management CourseExperience2004-Present Audit Committee/ Independent Director, Asia Sermkij Leasing Public Company Limited

1998-Present Executive Vice Chairman, Shanghai Kinghill Co., Ltd. Pudong P.R.O.C.1998-Present Managing Director, Star of Andaman Co., Ltd.Director program Director Accreditation Program No. 38/2005, Thai Institute of Directors Association



Asso. Prof. Dr. Supriya Kuandachakupt Audit Committee/ Independent DirectorHighest Education Doctor of Ecomomics, University of Hawaii, U.S.A.Experience

2006-Present Audit Committee/ Independent Director, Asia Sermkij Leasing Public Company Limited2008-Present Chairman of the Business Economics, Faculty of Economics, Kasetsart University1986-Present Associate Professor, Department of Economics, Faculty of Economics, Kasetsart University

2004-2006 Advisor to Director-General of Fiscal Policy Office, Fiscal Policy OfficeDirector program Director Accreditation Program No. 56/2006, Thai Institute of Directors Association


Changes of shares held as of December 31, 2009, compared with those of 2008 Remain unchanged at 60,000 shares

(Including shares held by related parties)

Mr. Kasem Akanesuwan Audit Committee/ Independent Director (Appointed effective February 25, 2009)

Highest Education Master of Science in Accounting, Roosevelt University, U.S.A.Experience2009-Present Audit Committee/ Independent Director, Asia Sermkij Leasing Public Company Limited

2000-Present Director, BNH Medical Center Co., Ltd.1997-Present Assistant Vice President-Finance, Bangkok Airways Co., Ltd.Director program Director Accreditation Program No. 79/2009, Thai Institute of Directors Association

Changes of shares held as of December 31, 2009, compared with those of 2008 None

Mr. Srayuth Khaola-iead General ManagerHighest Education Bachelor of Marketing, Thammasat UniversityExperience

2006-Present General Manager, Asia Sermkij Leasing Public Company Limited2009-Present Director, Thai Hire Purchase Association1994-2006 Assistant General Manager, Credit Control Division,

Asia Sermkij Leasing Public Company LimitedDirector program None


Mr. Danai Lapaviwat Chief Financial Officer/ Secretary to the Board of Directors

Highest Education Master of Business Administration (Finance), San Diego State University, U.S.A.Experience2004-Present Secretary to the Board of Directors, Asia Sermkij Leasing Public Company Limited

2003-Present Chief Financial Officer, Asia Sermkij Leasing Public Company Limited2003-Present Chief Financial Officer, Bangkok Grand Pacific Lease Public Company LimitedDirector program Director Certification Program No. 48/2004, Thai Institute of Directors Association



Mr. Sarayuth Chaisawadi Chief Information Officer/ Acting Chief Administrative OfficerHighest Education Master of Science in Computer Science, National Institute of Development AdministrationExperience

2004-Present Acting Chief Administrative Officer, Asia Sermkij Leasing Public Company Limited2002-Present Chief Information Officer, Asia Sermkij Leasing Public Company LimitedDirector program Director Certification Program No. 48/2004, Thai Institute of Directors Association


Mr. Chonpichet Tantigittipinyo Senior Assistant General ManagerHighest Education Bachelor of Economics, Thammasat UniversityExperience

2006-Present Senior Assistant General Manager, Asia Sermkij Leasing Public Company Limited2002-2006 Assistant General Manager, Asia Sermkij Leasing Public Company LimitedDirector program None


Selection of the Board of Directors and ManagementThe Company does not establish the selection committee to select director and management. In the selection process,

the Companyûs Board of Directors will consider in conjunction with the Audit Committee. The person selected to be director or

the management of the Company must not have a character prohibited by law. The selection of the director will be conductedbased on material provisions stipulated in the Companyûs articles of association. The approval of appointment and determinationof remuneration for the Board of Directors and the management will be made by the shareholdersû meeting and the Executive

Board of Directors, respectively.

Remuneration for Directors, Executive Directors and Management

Cash Remuneration

1. Remuneration for DirectorsIn Year 2009 remuneration for the Company and its subsidiaryûs directors consisted of fixed remuneration,

meeting attendant allowance and bonus as approved by the shareholdersû meeting as follows:

Fixed Remuneration Meeting Attendant Bonus

(Baht per month) Allowance (Baht)

(Baht per meeting)

Chairman of Audit Committee/ Independent Director 30,000 6,000 90,000Audit Committee Member/ Independent Director 20,000 6,000 60,000

Chairman of Board of Directors/ Executive Director/ 10,000 - -Non-Executive Director

External Director 10,000 6,000 30,000


The directorsû remunerations for the year 2009 are as follows:

Name Position Fixed Meeting Attendant Bonus

Remuneration Allowance (Baht)

(Baht) (Baht)

Dr. Amnuay Viravan Chairman of the Board of Directors/ 120,000 - -

Chairman of the Executive Board of Directors

Mr. Lo, Jun-Long Executive Director/ Managing Director 120,000 - -

Mr. Tientavee Saraton Executive Director 120,000 -

Mr. Shen, Ying-Hui Executive Director 120,000 - -

Mr. Huang, Cheng-Ming Director 120,000 - -

Mr. Chen, Fong-Long Director 120,000 - -

Mr. Liu, Chia-Jeang Director 100,000 - -

Mrs. Patima Chavalit Director 120,000 30,000 30,000

Mr. Pradit Sawattananond Chairman of the Audit Committee/ 360,000 36,000 90,000

Independent Director

Mr. Anant Svattananon Member of the Audit Committee/ 240,000 24,000 60,000


Asso. Prof. Dr. Supriya Member of the Audit Committee/ 240,000 36,000 60,000

Kuandachakupt Independent Director

Mr. Kasem Akanesuwan Member of the Audit Committee/ 200,000 30,000 -


Mr. Liao, Ying-Chih (resigned) Director 20,000 - -

Mr. Chen, Chi-Ching (resigned) Director 20,000 - -

Total 2,020,000 156,000 240,000

2. Remuneration for Management

In Year 2009 remuneration for the Company and its subsidiaryûs management totaling 8 persons consisted ofsalary, bonus, provident fund, social security fund and other remunerations. Total cash remuneration stood at Baht31.50 million, Baht 28.88 million of which being salary and bonus and Baht 2.62 million being provident fund, social

security fund and other remunerations.

Other Remunerations

-None-


Shareholding of Directors and Management

Name Ordinary Share* (Shares) Name Ordinary Share* (Shares)

As at Year As at Year Change As at Year As at Year ChangeEnded Ended Ended Ended2009 2008 2009 2008

Director Director

Dr. Amnuay Viravan 925,600 925,600 - Mr. Liu, Chia-Jeang - - -

Mr. Lo, Jun-Long 180,050 180,050 - Mrs. Patima Chavalit 161,400 161,400 -

Mr. Tientavee Saratan 189,400 189,400 - Mr. Pradit Sawattananond 60,000 60,000 -

Mr. Shen, Ying-Hui - - - Mr. Anant Svattananon 50,000 50,000 -

Mr. Huang, Cheng-Ming 231,400 231,400 - Asso. Prof. Dr. Supriya 60,000 60,000 -

Kuandachakupt *

Mr. Chen, Fong-Long 231,400 231,400 - Mr. Kasem Akanesuwan - - -

Management Management

Mr. Srayuth Khaola-iead 126,800 126,800 - Mr. Sarayuth Chaisawadi 55,000 55,000 -

Mr. Danai Lapaviwat 89,080 89,080 - Mr. Chonpichet Tantigittipinyo 140,300 140,300 -

Remark: * Including shares held by related parties.

Principles of Good Corporate GovernanceCorporate Governance

The Company establishes the operational policy concerning corporate governance system of the management in order to

maximize the efficiency of the Companyûs management. The Companyûs Board of Directors sets out the Code of Best Practicefor directors of a listed company to comply with the Stock Exchange of Thailand approach. Additionally, such Code of BestPractice is set to enhance the transparency and effectiveness of the management which will create confidence to the

shareholders, investors and all concerned parties. The Companyûs principles of good corporate governance are summarizedas follows:1) Shareholdersû right

The Board of Directors has recognized the importance of shareholdersû right, which has been listed inshareholdersûs right protection policy, and also encourages every single shareholders to exercise their rights underthe law i.e. the company profit sharing, the right to sell or transfer stocks, the shareholdersû right to obtain the

information, the voting right in the shareholdersû meeting to appoint or to demote the directors, the remuneration ofthe Board of Directors, the appointment of a certified auditor, the approval of the audit fee and other issues whichmay significance effect the company. In addition, the circulation of the information needed for any shareholders

has been listed through the company website; www.ask.co.th; at least 30 days in advance. The information includesthe shareholdersû invitation letter to the shareholdersû meeting and the supplementary document. The minutes ofthe shareholdersû meeting will be posted on the website within 14 days after the meeting.


For the year 2009, the company has circulated the shareholdersû invitation letter and supplementarydocuments for the meeting since March 25, 2009. The minutes of the meeting has been revealed to public throughthe company website on May 7, 2009 or 14 days after the meeting. Moreover, the Company never had any policyto lessen the shareholdersû right. The company will not distribute the importance information immediately on themeeting day, or not put additional agenda or change any details of the meeting without noticing the shareholdersin advance. In addition, the shareholders shall be obtained the rights to ask any question to the Board of Directorsand attend in the meeting although they come late.

2) Fair and Equitable Treatment to ShareholdersThe Company recognizes the importance of the right of shareholders and treats every shareholder equally.

As a result, the Company will timely, accurately and completely disclose material information and news to itsshareholders on a regular basis. In an invitation to the shareholdersû meeting, the Company will deliver a meetinginvitation letter together with support information relevant to meeting agenda to the shareholders 7 days prior to themeeting date. Invitation letter for the meeting is also announced in the newspaper with complete opinion of theBoard of Directors on each meeting agenda in order that the shareholders have sufficient time to consider theinformation prior to the meeting. Minutes of the meeting are also accurately recorded for further review by theshareholders. The Company intends to provide additional option to the shareholders by authorizing the independentdirector of the Company as a proxy on behalf of the shareholders in case the shareholders cannot attend themeeting.

In the Year 2009, the Company held 1 general shareholdersû meeting which was the Annual GeneralMeeting of Shareholders No.25th/2009 held on April 28, 2009 at 3.00 pm. at Grand Hall Meeting Room ofBangkok Club, 28th Floor, Sathorn City Tower, 175 South Sathorn Road, Tungmahamek, Sathorn, Bangkok 10120.Every shareholder is entitled to use his/her right to vote and express opinion or make inquiry before makingdecision.

Before the meetingThe Company has posted the invitation letter, which detailed every aspects of the meeting through the

company website 30 days in advance, since March 25, 2009. The company has sent the invitation letter including,the Meeting Agenda, the Board of Directorsû opinion and the minute of the previous shareholdersû meeting and alsothe Annual report together with the documents important for the meeting, the proxy which detailed the clarificationmanual. The documents will be handed to Thailand Security Depository Company Limited, the company registrarwho has been in charged of distributing the documents to the shareholders 15 days prior to the meeting date.In 2009, the Company has sent the invitation letter and others importance documents to the shareholders sinceApril 10, 2009 and made an announcement through the newspaper for 3 consecutive days from March 30-April 1,2009 in order to inform in advance the shareholders and allow them to look through all information before TheGeneral Meeting has been called. The Company has sent the documents to all shareholders listed at the date ofthe closing of the shareholdersû registration book on April 8, 2009. In order to facilitate the shareholders who cannotattend the meeting, the company also sent the proxy together with the invitation letter and listed the requireddocuments for the meeting stated the detailed for both the shareholders who will attend the meeting and who willassign the others as the representative in order to assist the shareholders for the preparation of the documentsand to avoid any problems which might occur in attending the meeting. Moreover the company has authorized theChairman of the Audit Committee/Independent Director as a proxy on behalf of the shareholders in case theshareholders cannot attend the meeting.


On the meeting dateThe company has set the venue, and the appropriate time that is convenient for every shareholder and

assure the security. The company has provided the sufficient registration counters and allowed the participants to

register 1 hour before the meeting starts. They can also register prior to or during the meeting. The company alsoprovided duty stamps for authorization of proxies. There were some snack and coffee break provided to theshareholders. The company also appointed the legal consultant to conduct and clarify the details of the meeting,

including voting method, counting, the use of ballot and announced the voting result in each agenda. During themeeting, the company had appropriately and adequately provided the opportunities to shareholders to ask orexpress their opinions. Regarding the appointing of directors agenda, the company had set the vote to be

separated one by one and collected the ballot of each director for the transparently counted by legal consultant.The Annual General Meeting No.25th/2009 had 8 from 12 directors participated including Chairman of the Board ofDirectors/ Chairman of the Executive Board of Directors, Chairman of the Audit Committee/Independent Director,

the Audit Committee/Independent Directors totaling 2 persons, 1 external director and 3 executive directorstogether with Chief Financial Officers who take the responsibility as secretary to the Board of Directors. Therewere also the companyûs auditor and legal consultant totaling 4 persons attending the meeting.

After the MeetingThe company had informed the resolution of the meeting on April 28, 2009 via the Stock Exchange of

Thailandûs information system. The company had submitted and published the minutes of the meeting on thecompany website within 14 days after the meeting. In 2009, the company had posted the minutes through thecompany website since May 7, 2009. The event had also recorded both in video and audio format to be distributed

to any shareholders who may have an interest.

Policy to protect the use of internal information by directors and management for personal use

The Company has set the protection policy in order to prevent the use of internal information by directorsand management for their personal use. The detail of this title can be found under the Use of Internal Informationsection.

Connected TransactionsIn order to protect the minor shareholdersû right, the company also sets out the distinct connected

transactions policy, which can be found under the Connected Transactions section. The company also discloses,for the shareholders, the information about connected persons and the relationship with such connected persons,the value of each transaction and also the opinion of the Board of Directors on such transaction. This information

can be found both in the Annual Report and Annual Filing (56-1).

3) Awareness in stakeholders

The company recognizes and is aware of the importance of all groups of stakeholders, both internal andexternal including customers, shareholders, employees, creditors, debtors, competitors and others related entities.Moreover, the company also pay attention to the social and environmental responsibility, since every single party

always has a long term support for the company which will be help to create the competitive advantage andencourage the operation within the Company to stand in the excellence marketûs position. For employees, the


company recognizes the need for proper welfare and security for employees i.e. set up the provident fund tomotivate them in long term working contract walk aside the company to go to the bright business future, fire drills,installation of fire prevention systems, provide personal accident insurance for every employee, medical expense

reimbursement, and arrange an annual health check-up for every employee.

The human development policy will be very crucial to help every single employee to develop himselfboth on the knowledge concerning current responsibility and the skill development in supporting them for theachievement in their career path. The company therefore provides both internal and external development program

for every employee. In year 2009, the company and subsidiary provide all employees totally 45 training programs,11 programs are internal training programs and 34 programs are external training programs. Regarding theenvironmental policy, even though the companyûs core business is not directly impact to the environment but the

company does pay attention to the environmental friendliness and preservation. The campaign of both-sides paperusage will help to reduce the effect to the environment and save the resources. Moreover, the company has asaving energy policy by turning off the light when it was not used, i.e. during the lunch break.

In order to be a channel for stakeholdersû participation, the company has set up a channel to gather any

complaints, suggestions or comments to the board via the company website (in Investor Relations Section) or thestakeholders may send by mail or by hand at the company.

4) Information disclosure and transparencyThe Company recognizes the important of accurate, complete and prompt disclosure of important

information of the company including the company performance information, clearness shareholding structure which

detailed in Shareholding Structure section and the corporate governance policy, which was disclosed in the AnnualReport, Annual Filing (56-1) and the company website at www.ask.co.th.

Regarding the quality of financial report, in 2009, the company appointed Ernst & Young Office Limited,who has been certified by the Securities and Exchange Commission, as an independent auditor. The companyûs

2009 financial report was certified with unqualified opinion from the auditor.

Furthermore, the company establishes the Investor Relations Department to be another channel to disclosethe information to its shareholders, the analysts and general investors. The Investor Relations Department can bereached at 02-679-6226 ext 230, 231. The information including the shareholdersû structure, the organization

structure, corporate governance policy, the Board of Directors member, the financial report, the annual report, theinvitation to the shareholdersû meeting and the minutes of the shareholdersû meeting, has been disclosed in thecompanyûs website in Investor Relations section.

5) Directorsû ResponsibilityThe Companyûs Board of Directors has a duty to determine vision, mission, strategy, business plan, budget

and objective of the operation of business, as well as to supervise the management to perform in accordance withthe targeted plan in an effectiveness and efficient manner. It also has a duty to establish the appropriate internalcontrol, internal audit and risk management system, and to ensure that the financial report is provided on a regular

basis and with quality under supervision of the Audit Committee in order for the Company to meet the determined


target and to provide optimal benefits to all groups of stakeholders. The company has an established term of officefor directors in the Articles of Association. The term of each director is set at 3 year, therefore at each GeneralMeeting of Shareholders, one-third of the directors - or if their number is not a multiple of three, then the number

nearest to one-third must retire from office.

The Company also has a balance of power for directors that the Board of Directors consists of 12 directors,comprising 4 executives and 8 non-executive directors. The Company establishes the Audit Committee comprising4 independent directors, accounting for 33 percent or 1 of 3 of the Board of Directors. The Audit Committee is

regarded as the representatives of minor shareholders with the duty to supervise the operation of the Companyto ensure its accuracy and transparency. In addition, the Company separates the position of Chairman of the Boardof Directors and Managing Director into 2 positions to be held by different persons in order to segregate the duty

of establishing governance policy from routine management. Duty and authority of the Board of Directors, ExecutiveBoard and the Audit Committee are clearly separated (as detailed in Shareholding and Management Structure) toensure the transparency, sufficient balance of power and ability to review the operation of the Company. Resolution

on any material agenda still requires the approval from the Board of Directors or the shareholdersû meeting. Inaddition, authority assigned to the Board of Directors, Executive Board and the Managing Director shall not allowthe directors with conflict of interest in any transaction, whether by themselves or by their potential conflict of

interest related parties, to approve such transaction made with the Company or Subsidiary.

In 2009, the company has two newly appointed directors namely Mr. Liu, Chia-Jeang (Director) andMr. Kasem Akanesuwan (Audit Committee). The company organized directors orientation for newly appointeddirectors to familiarize them with the company information and related rules and regulations. The topics presented

covered the company mission and vision, business plan, company background, shareholding structure, organizationstructure and list of management, standard agenda and minutes of the Board of Directors Meeting of 2008 and alsoenclosed with Directors Handbook to familiarize them in performing the duty of director of a listed company.

The remuneration policy for directors, approved by the shareholdersû meeting, is clearly established. The

remuneration for directors is provided at an appropriate level and sufficient to attract and retain the capable andqualified directors. Such remuneration is set at the same level as industry standard suitable to the duty andresponsibility assigned. The Company does not set out a policy to provide excessive amount of remuneration to its

directors. Remuneration for the management is set according to the principles and policy determined by theBoard of Directors by correlating the compensation with the Companyûs operating performance together with theperformance of each individual management.

Currently, the company has three types of directors remuneration which are the monthly fixed remuneration,

meeting attendant allowance (for audit committee and external director only) and bonus which will be paid to thedirectors based on companyûs performance. The company does not have an established remuneration committeeto consider the appropriate remuneration. However, the remuneration has been carefully considered by the

Board of Directors in comparison with the referenced industry sector and the Companyûs profitability.


The Annual General Meeting of Shareholders No.25th/2009 held on April 28, 2009 approved theremuneration of year 2009 for directors as follows:

Fixed Meeting Attendant BonusRemuneration Allowance (Baht)

(Baht per month) (Baht per meeting)- Chairman of Audit Committee/ Independent Director 30,000 6,000 90,000- Audit Committee Member/ Independent Director 20,000 6,000 60,000- Chairman of Board of Directors/ 10,000 - -

Executive Director/ Non-Executive Director- External Director 10,000 6,000 30,000

At least one Board of Directorsû meeting is held in each quarter with additional meeting to be called ifrequired. The Company requires the directors to attend every Board of Directorsû meeting except in case ofemergency. Meeting agenda must be clearly indicated prior to each Board of Directorsû meeting with the inclusionof agenda on operational monitoring on a regular basis. The Company delivers the meeting invitation letter togetherwith meeting agenda and support documents for the meeting to each director at least 7 days in advance of themeeting date to allow sufficient timing for the Board of Directors to study on the information prior to attend themeeting. In each Board of Directorsû meeting, the Chairman of the Board of Directors is obliged to allocateadequate timing in order to enable the management to propose and provide thorough explanation on the materialissues. Minutes of the meeting are accurately and completely recorded in writing. Minutes of the meeting, certifiedby the Board of Directors, will be retained for further examination by the Board of Directors and other relatedparties.

The Company has set up the meeting of the Audit Committee and the external auditor without directors,executive directors and management in order to enhance good corporate governance and transparency to theCompanyûs financial statements. The meeting is set annually prior to the approval of the annual financial statementsstarting in 2009. In 2010, the meeting was held on January 27, 2010.

Each director has dedicated his/her time to attend all of the Board of Directorsû meetings, except in case ofnecessity. In the year 2009, All meetings were attended by each of the Companyûs directors as follows:

Name No. of Meetings Name No. of Meetings

Attended/ No. of Total Attended/ No. of Total

Meeting Meeting

Board of Audit Board of Audit

Directors Committee Directors Committee

Dr. Amnuay Viravan 4/6 - Mr. Liu, Chia-Jeang* 3/5 -Mr. Lo, Jun-Long 6/6 - Mrs. Patima Chavalit 5/6 -Mr. Tientavee Saraton 6/6 - Mr. Pradit Sawattananond 6/6 5/5Mr. Shen, Ying-Hui 6/6 - Mr. Anant Svattananon 4/6 5/5Mr. Huang, Cheng-Ming 5/6 - Asso. Prof. Dr. Supriya 6/6 4/5

KuandachakuptMr. Chen, Fong-Long 4/6 - Mr. Kasem Akanesuwan* 5/5 4/4

Remark: * According to the resolution of the Companyû s meeting of the Board of Directors No. 2/2009 held on February 25, 2009, it

opined appointed Mr. Liu, Chia-Jeang to be a director and Mr. Kasem Akanesuwan to be a Member of the Audit Committee/

Independent Director effective on February 25, 2009.


In 2009, the company has established the Board of Directors Self Assessment to assess the boardûsstructure and performance. The Board Self Assessment Form consisted of 6 areas : Structure and characteristicsof the Board, Roles and responsibilities of the Board, Board Meetings, The boardûs performance of duties,

Relationship with management, and Self-development of directors and executive development.

The company sets out a policy for director selection by seeking a well-versed person with expertise in theCompanyûs business. However, as some directors of the Company hold Taiwanese nationality and have positionsin the companies in Taiwan, it is not convenient for them to attend the Companyûs meeting of the Board of

Directors. As such, the Company has the policy to encourage the attendance of the meeting by all directors byarranging the video conference to facilitate the Board of Directorsû meeting by all directors accordingly, therebyenabling interaction among the directors despite being in difference places.

The Audit Committee consisted of 4 independent directors with a 2-year tenure and has a duty to supervise

the operation of the Company. Details of the authority and duty of the Audit Committee are provided inManagement Structure. At least 1 meeting of the Audit Committee is to be held in each quarter with additionalmeeting to be called if required.

Independent directors in the Audit Committee will use their own discretion in reviewing the financial report,

internal control and internal audit system and operation of the Company, considering and appointing the Companyûsauditor, as well as disclosing information on related transaction or transaction with potential conflict of interest.Such Audit Committee will enhance the effectiveness of the Companyûs control and governance pursuant to the

Stock Exchange of Thailand approach.

The company has defined the meaning of çIndependent Directorsé more strengthen than the criteria set bythe Capital Market Supervisory Board Tor.Chor.14/2551 as follows:1. Holding shares not exceeding 0.5 percent of the total number of voting rights of the company, its parent

company, subsidiary, affiliate or juristic person which may have conflicts of interest, including the sharesheld by related persons of the independent director.

2. Neither being nor having been an executive director, employee, staff, or advisor who receives salary, or a

controlling person of the company, its parent company, subsidiary, affiliate, same-level subsidiary or juristicperson who may have conflicts of interest unless the foregoing status has ended not less than two yearsprior to the appointment.

3. Not being a person related by blood or registration under laws, such as father, mother, spouse, sibling, andchild, including spouse of the children, executives, major shareholders, controlling persons, or persons to benominated as executive or controlling persons of the company or its subsidiary.

4. Not having a business relationship with the company, its parent company, subsidiary, affiliate or juristicperson who may have conflicts of interest, in the manner which may interfere with his independentjudgment, and neither being nor having been a major shareholder, non-independent director or executive of

any person having business relationship with the company, its parent company, subsidiary, affiliate or juristicperson who may have conflicts of interest unless the foregoing relationship has ended not less than twoyears prior to the appointment.


5. Neither being nor having been an auditor of the company, its parent company, subsidiary, affiliate or juristicperson who may have conflicts of interest, and not being a major shareholder, non-independent director,executive or partner of an audit firm which employs auditors of the company, its parent company, subsidiary,

affiliate or juristic person who may have conflicts of interest unless the foregoing relationship has ended notless than two years from the appointment.

6. Neither being nor having been any professional advisor including legal advisor or financial advisor

who receives an annual service fee exceeding two million Baht from the company, its parent company,subsidiary, affiliate or juristic person who may have conflicts of interest, and neither being nor having beena major shareholder, non-independent director, executive or partner of the professional advisor unless the

foregoing relationship has ended not less than two years from the appointment date.7. Not being a director who has been appointed as a representative of the companyûs director, major

shareholder or shareholders who are related to the companyûs major shareholder.

8. Not having any characteristics which make him incapable of expressing independent opinions with regard tothe companyûs business affairs.

In addition, the Company also sets up the Executive Board of Directors comprising 6 directors with a 2-yeartenure. Details of the authority and duty of the Executive Board of Directors are provided in Management Structure.

It is a policy of the Executive Board of Directors to regularly arrange a meeting at least once a month withadditional meeting to be called if required.

Regarding the selection of directors, the company does not have an established selection committee toselect directors. However, the Board of Directors consider the person selected to be director, as someone who

must have the appropriate qualifications including experience and skills and based on directorship performanceand is not prohibited by law. The information and the details of each Board of Directors can be found inShareholding and Management Structure section. All Directors who based in Thailand have finished the Director

Accreditation Program and some of them have been trained in Director Certification Program. All of the aboveprograms have been conducted by the Thai Institute of Directors (IOD) and the company has sponsored thisfull-course training. The Company also encourage new director to attend the program.

The company has also set up Internal Audit Department as a companyûs internal business unit and

directly report to the Audit Committee in order that the Board of Directors can efficiently monitor the companyûsperformance.

In addition, the Company has appointed Weerawong, Chinnavat and Peangpanor Limited, a law firmwhich provides the service of Company Secretary, to be responsible for and undertake the tasks of the Company

Secretary in order to comply with Section 89/15 of the Securities and Exchange B.E. 2535 (including itsamendments).

Regarding the risk management, the company had set up a Risk Management Committee to establishan adequate risk management system and approve risk management policy, procedures and quarterly risk

management reports prepared by Risk Management Subcommittee. The risk management system covers importantrisks which are credit risk, financial risk and operational risk. The risk management procedures include riskassessment, risk management, risk monitoring and risk controlling which will be reviewed every quarter.


Supervision on the Use of Internal InformationThe Company sets out the policy on a supervision on the use of internal information and complies with the

policy in a strictly manner. Details of the policy can be summarized as follows:

1. The information is provided only to relevant parties while at the same time emphasis is made to the officersto retain the information cautiously. If the information is required for disclosure, report or disclosure of suchinternal information can be made only by the assigned person.

2. Notification must be made to all directors and management of the Company pertaining to their duty andresponsibility on the internal information by not using internal information for their personal interest,including securities trading.

3. Every director and management of the Company is made aware of their duty and responsibility in providinga report on holding of the Companyûs securities by themselves, by their spouses, minority and by otherparties related to directors and/or management, pursuant to Section 258 of the Securities and Exchange

Act B.E. 1992, within 3 days from the date of a change in holding of the Companyûs securities. Suchrequirement is in compliance with Section 59 of the Securities and Exchange Act B.E. 1992.

4. Directors, management and employees in the division receiving internal information are recommended to

avoid or suspend their trading of the Companyûs securities for a period of 1 month prior to the disclosure offinancial statements to public. These persons have to sign the acknowledgement of restrain the internalinformation.

Disciplinary penalty is determined should the policy be violated. Punishment will be determined based on the

intention of the action and the severity of such wrongdoing.

Dividend Payment Policy

The Company and its subsidiary are, according to the Company and its subsidiaryûs circumstances fromtime to time, to declare dividend in an appropriate rate, considering their performance, financial standing, andeconomic conditions. The payment rate shall not be less than 40 percent but not more than 70 percent, for the

Company, and not less than 50 percent, for the Subsidiary, of the payable amount arising after the Company andits subsidiary have, for each fiscal year, incurred net profit from operation, and duly complied with applicable laws,Articles of Association as well as fulfilled all of their obligations, except for the Company and its subsidiary require

to utilize any part or all of such payables on investment to generate higher income. This payment, in any event,shall be subject to the Company and its subsidiaryûs Articles of Association, prohibiting them from paying anydividend from other monies than profit. Additionally, where the Company and its subsidiary incur accumulated

losses, no dividend shall be paid.

Unless otherwise stipulated, dividend shall be paid according to the number of shares held (equally for eachshare), under the approval from a meeting of shareholders. However, the Company and its subsidiary might, fromtime to time, pay interim dividend to the shareholders as their profits are deemed adequate for such purpose, and,

if so, report the same to the shareholders in their next meeting.

However, the Board of Directors might decide otherwise, or amend the said Policy from time to time,provided that such decision is made for the shareholdersû best interest and under approval from the shareholdersûmeeting.


The Company and its subsidiary have connected transactions with connected persons who may have conflict of interest,all of which being made in a normal course of business of the Company and its subsidiary. In approving the connectedtransaction, the Company and its subsidiary set out policy to proceed according to normal trading terms by referring to

appropriate market rate and condition. In case where the transaction is not normal business transaction or without normal tradingterms, such transaction must be presented to the Board of Directorsû meeting for approval except where the connectedtransaction is the normal business transaction or has normal trading terms which can be approved by the Executive Board of

Directors or Managing Director within the predetermined authorized limit. In approving the connected transaction, directors andpersons with potential interest or potential conflict of interest will not be entitled to participate in the voting of such transaction.Such transaction must be reported to the Companyûs Board of Directors for further acknowledgement accordingly. In entering

into such transaction, it must be ensured that the transaction must provide maximum benefit to the Company. In considering thetransaction, the Audit Committee must attend the meeting for review its necessity and reasonableness by considering price andrate of return of such transaction. In case where the Audit Committee does not have expertise in considering the transaction

arisen, the Company will arrange to have person with expertise and skill, e.g. the Companyûs auditor or independent expert,to provide opinion on such connected transaction. Opinion of the Audit Committee or expert will be used as support for decisionmaking of the Companyûs Board of Directors or shareholders as the case may be. In addition, the information on connected

transactions will be disclosed in the notes to financial statements as audited by the Company and its subsidiaryûs auditor. Theconnected transaction must be made in accordance with the Securities and Exchange Act, rules and regulations, notification,order or provision of the Office of Securities and Exchange Commission and/or the Stock Exchange of Thailand concerning the

connected transactions or the acquisition and disposal of the Companyûs asset in a strictly manner. The Company must alsocomply with the provision concerning the disclosure of information of connected transaction and acquisition or disposal of asset.In entering into any potential connected transaction in the future, the Company will proceed according to the measure stipulated

above. It has a policy to operate in accordance with normal course of business by referring to appropriate market rate andcondition to maximize benefit to the Company.

Details of Connected TransactionAccording to the resolution from the Board of Directors meeting No. 1st/2010 on January 29, 2010, also attended by the

Audit Committee and the independent directors to review the connected transaction for the period ended December 31, 2009 and

December 31, 2008, the Board of Directors provided opinion concerning connected transactions that such connected transactionwere necessary for the ordinary course of business whereas terms of such connected transactions with connected personsduring such period were according to the market rate, contractual and agreed price which were reasonable and in the ordinary

course of business. Details of the transaction can be summarized as follows:

CONNECTED TRANSACTIONS


Parties with Potential Type of Transaction Value of Connected Transaction Reason and Necessity of

Conflict / Nature of for the Period Ended the Connected Transaction

Transaction (ù000 Baht) / Remark

December 31, December 31,

2009 2008

1. Bangkok Bank Public Savings and current deposit - Audit Committee have reviewed and

Company Limited / at bank, bank overdraft, considered this item and provided

- Hold 7.35 percent of the short and long-term loan, opinion that interest rate charged is

Companyûs shares as at aval fee of the Company and similar to the market rate and deemed

December 30, 2009. its subsidiary for working capital reasonable in the ordinary course

and business expansion of business.

1. Savings and current deposit 231,464.23 53,318.07

2. Bank overdraft 60,518.24 31,655.99

3. Short-term loan 120,000.00 2,480,000.00

4. Long-term loan 2,300,000.00 2,000,000.00

5. Accrued interest expense 481.03 17,008.93

6. Interest expense 162,658.96 203,651.11

7. Aval fee 923.42 907.40

8. Pre-paid aval fee 235.48 253.97

2. Bangkok Insurance Public Short-term loan of the Subsidiary - Audit Committee have reviewed and

Company Limited / for working capital and Insurance considered this item and provided

- Hold 0.96 percent of the expense of the Company and opinion that interest rate charged and

Companyûs shares as at its subsidiary according to Insurance expense are similar to the

December 30, 2009. the market rate market rate and deemed reasonable

1. Short-term loan 60,000.00 60,000.00 in the ordinary course of business.

2. Interest expense 1,130.42 1,709.59

3. Insurance expense 1,057.70 1,143.60

4. Prepaid insurance expense 304.48 292.12

3. China Trust Commercial Standby L/C fee for the credit - Audit Committee have reviewed and

Bank / line totaling USD 40 million with considered this item and provided

- A related company of the option to either borrow opinion that the fee is deemed

the Companyûs major directly or to withdraw in form reasonable in the ordinary course

shareholders (Chailease of Standby Letter of Credit to of business.

Finance Co., Ltd. and be used as collateral for

AK Enterprise (Thailand) borrowing from other financial

Co., Ltd.). institutions

1. Standby L/C fee - 19.51

2. Pre-paid standby L/C fee - -


Parties with Potential Type of Transaction Value of Connected Transaction Reason and Necessity of

Conflict / Nature of for the Period Ended the Connected Transaction

Transaction (ù000 Baht) / Remark

December 31, December 31,

2009 2008

4. Chailease Finance Guarantee fee for loans the - Audit Committee have reviewed and

Co., Ltd. / Company borrowed from other considered this item and provided

- Major shareholder of the financial institutions. opinion that the values are market price

Company with 37.43 1. Guarantee fee - 3,890.72 and comparable with asset size and

percent shareholding as 2. Accrued guarantee fee - 3,890.72 servicesû reference. Value of such

at December 30, 2009. contract is consistent with the

agreement made and deemed

reasonable in the ordinary

course of business.

5. Financial One Corp / Guarantee fee for loans - Audit Committee have reviewed

- A related company of the Company borrowed and considered this item and

the Companyûs major from other financial provided opinion that the values

shareholders (Chailease institutions. are market price and comparable

Finance Co., Ltd. 1. Guarantee fee 4,932.97 156.37 with asset size and servicesû

and AK Enterprise 2. Accrued guarantee fee 4,932.97 156.37 reference. Value of such contract

(Thailand) Co., Ltd.). is consistent with the agreement

made and deemed reasonable

in the ordinary course of business.

6. Sathorn City Tower Rental expense for office - Audit Committee have reviewed

Property Fund / space and fixture and service and considered this item and

- Related to City Realty of the Company and its provided opinion that its value is

Co., Ltd. whom relates subsidiary consistent with the agreement

to the major 1. Rental expense for office 14,265.83 14,298.94 made and deemed reasonable

shareholder of the space and fixture and in the ordinary course of business.

Company (Bangkok service

Bank Plc.)

7. Bangkok Garden Property Rental expense for the parking - Audit Committee have reviewed and

Fund / space of the Company and its considered this item and provided

- Related to City Realty subsidiaryûs repossessed assets opinion that its value is consistent with

Co., Ltd. whom relates with a 1-year term from 1 the agreement made and deemed

to the major shareholder November - 31 October. reasonable in the ordinary course of

of the Company 1. Rental expense 600.00 600.00 business.

(Bangkok Bank Plc.)

Source: Consolidated financial statements of Asia Sermkij Leasing Public Company Limited as audited by the auditor for the Year 2008 - 2009.


Overview of the Historical Operating Performance

ECONOMY & INDUSTRY IN 2009Thailandûs economy had encountered a year-long recession affected by the global economic crisis began in last

quarter of 2008. In 2009, the Thai economy could only make a turnaround in the 4th quarter after it had continuously

declined three consecutive quarters. Thus, the GDP growth rate for the full year of 2009 was negative 2.3%, a significantdecrease from 2.6% for 2008. Weak foreign demand in 2009 depressed the export, the economic growth engine, with a14% drop. Declining export orders further reduced the industrial capacity utilization rate to 62%, which in turn delayed the

private investment with a decrease of 13%. Massive layoff from low capacity utilization, together with the political unrest,impaired consumer confidence and caused the private consumption to dive by 1.1%.

The central bank maintained the low interest rate to keep the economy afloat, with a reference rate of 1.25% formost of the time in 2009. The government also increased the public spendings under the çStronger Thailandé programs to

stimulate the economy. Along with the slow recovery of the world economy beginning in the second half, Thailand wasable to stop the declining trend of its GDP growth rate and turned it back to positive in the last quarter of 2009.

For the vehicle hire-purchase industry, the new car sales decreased by 10.8% from 615,270 units in 2008 to548,871 units in 2009. New pick-up and commercial car sales decreased by 17.5% and 20.8% respectively while new

passenger car sales increased by 1.4%. For the leasing and factoring industries, a substantial drop was seen in therepurchase and replace of machinery and the requirement of working capital. This was caused by a sharp decrease of thethree major export earners of electronic devices, electrical appliances, and auto plus auto parts which captured the lion’s

share of the country’s export volumes.

For the overview performance, the Company and its subsidiary, on a consolidated basis, recorded the net profit ofBaht 193.63 million, increased by 8.22% from Baht 178.92 million in Year 2008 mainly due to an increase in hire purchaserevenue and a decrease in finance cost. The return of equity (ROE) was 11.00% in Year 2009 as compared to 10.56%

in Year 2008. Earning per share was Baht 0.84, increased from 0.78 Baht per share in Year 2008.

Operating Performance

Revenues

In Year 2009, the Company and its subsidiaryûs total revenues amounted to Baht 1,193.80 million, increased by4.01% from Baht 1,147.74 million in Year 2008. The major sources of revenues were income from hire purchase,accounting for 76.77% percent of total revenues. Such increase was attributable to the expansion in hire purchase

portfolio, especially passenger car and commercial car. Hire purchase account receivables (before allowance for doubtfulaccounts) rose by 6.83% from Baht 10,263.89 million in Year 2008 to Baht 10,935.85 million in Year 2009.

Incomes from financial lease and operating lease decreased by 8.77% from Baht 71.53 million in Year 2008 to Baht65.26 million in Year 2009, accounting for 5.47% of total revenues of the Company and its subsidiary.

Income from factoring decreased by 25.89% from Baht 68.51 million in Year 2008 to Baht 50.77 million in Year

2009, accounting for 4.25% of total revenues of the Company and its subsidiary. Such decreasing reflected a drop indemand for working capital of small and medium sized business enterprises from economic recession and intensify creditapproval of the Company and its subsidiary to avoid credit default in year 2009.

MANAGEMENT DISCUSSION AND ANALYSIS


Other incomes which were from personal loan, floor plan financing, penalty income from late payment, income fromrecommending insurance services, etc. decreased by 2.30% from Baht 165.13 million in Year 2008 to Baht 161.33 millionin Year 2009.

ExpensesThe Company and its subsidiaryûs expenses (including bad debts and doubtful accounts, finance cost and tax

expenses) increased by 3.24% from Baht 968.82 million in Year 2008 to Baht 1,000.16 million in Year 2009.

Selling and Administrative Expenses

In Year 2009, total selling and administrative expenses stood at Baht 373.38 million, accounting for 37.33% of theCompany and its subsidiaryûs total expenses, increased by 4.56% from Baht 357.09 million in Year 2008. Majority of theselling and administrative expenses comprised of employee salary, bonus and related expense accounting for 23.93%

of total expenses while bad debts and doubtful accounts amounted to Baht 113.85 million, representing 11.38% of totalexpenses.

Finance CostIn Year 2009 finance cost decrease by 6.59% from Baht 448.58 million in Year 2008 to Baht 419.04 million in Year

2009, representing 41.90% of total expenses of the Company and its subsidiary. The change was mainly due to the

average interest rate decreased from 4.74% in 2008 to 4.10% in 2009.

Corporate Income Tax

In Year 2009, the corporate income tax increased by 33.16% from Baht 70.51 million in Year 2008 to Baht 93.89million in Year 2009. This was mainly due to an increase in profit before tax.

Net ProfitThe Company and its subsidiaryûs net income after tax increased by 8.22% from Baht 178.92 million in Year

2008 to Baht 193.63 million in Year 2009. Earning per share increased from Baht 0.78 per share in Year 2008 to Baht

0.84 per share in Year 2009. In Year 2009, net profit margin and return on equity were 16.22% and 11.00% as comparedto those of 15.60% and 10.56% respectively in Year 2008.

Financial Status

AssetsTotal assets increased by 5.29% from Baht 11,937.70 million at the end of Year 2008 to Baht 12,569.20 million at

the end of Year 2009. The hire purchase account receivable, major component of the Company and its subsidiary assets,

accounts for 86.09% of total assets.

Due to the strengthened collection efficiency, the augmented base of portfolio size, and bad-debt write-off, theCompany and its subsidiaryûs NPLs was Baht 92.18 million at the end of Year 2009, accounting for only 0.75% of totalaccount receivables (before allowance for doubtful accounts). In addition, the ratio of allowance for doubtful account to

NPLs of 186.72% reflecting adequacy of the Company and its subsidiaryûs reserve for doubtful accounts.


LiabilitiesTotal liabilities as at the end of Year 2009 stood at Baht 10,773.48 million with the total loans amounting to Baht

10,531.49 Million. It comprised mainly of short-term loans at Baht 7,431.49 million, of which being overdraft, short-term

borrowings from financial institutions, short-term borrowings from related parties and other short-term borrowingsrepresenting 70.56% of total borrowings. Nevertheless, the high portion of short-term borrowings will not lead to thefinancial liquidity problem since these borrowings are from its major shareholders. Therefore, the Company and its

subsidiary can manage the funding cost efficiently.

Type of Borrowing As at December 31, 2009Amount Proportion

(Million Baht) (%)

Bank overdraft and short-term loans from financial institutions 3,161.49 30.02- Loan from related financial institution 180.52 1.71- Loan from other financial institutions 2,980.97 28.31

Short-term loan from related party 60.00 0.57Current portion of long-term loans from related company 2,000.00 18.99Current portion of long-term loans from financial institution 1,000.00 9.50

Other short-term loans 1,210.00 11.49Total Short-term loans 7,431.49 70.56Long-term loans from related company 300.00 2.85

Long-term loans from other financial institution 2,800.00 26.59Total Long-term loans 3,100.00 29.44

Total loans 10,531.49 100.00

Liquidity

As at December 31, 2009 the loan repayment and the installment to be obtained in different period can besummarized as follows:

Period Loan Repayment Due Installment to be(Million Baht) Obtained from Debtor

(Million Baht)Within 1 year 7,431.49 5,952.01More than 1 year but not more than 2 years 1,500.00 3,803.18

More than 2 years but not more than 3 years 1,600.00 2,377.75More than 3 years - 1,651.41

Stop accrued account receivables - 100.03

Total 10,531.49 13,884.38


Difference gap between the installment expected to be obtained within 1 year and loan repayment due in 1 yearamounted to Baht 1,479.48 million. The Company and its subsidiaryûs financing liquidity was not affected since most ofthe short-term loans were borrowed from the Companyûs group of financial institutions, and related parties. The Company

and its subsidiaryûs short-term borrowings from related financial institutions and related parties accounted 2,240.52 millionor 30.15% of loan due within 1 year. Moreover, the Company and its subsidiary have been considered good creditcustomer who has never been called for default even during the economic crisis. The loans have been continuously

renewed. In addition, Company and its subsidiary still have the unused credit line from other financial institutionsamounting to approximately Baht 2,708 million stand ready. These factors reflect the sufficiency in the financial liquidity ofthe Company and its subsidiary. Nevertheless, the Company and its subsidiary continually improve its funding by gradually

switching the short-term borrowings into a long-term borrowings to maintain the Companyûs interest rate spread anddiversifying the source of fund from the bankûs loan through the debt capital market.

Shareholdersû EquityShareholdersû equity increased by 4.02% from Baht 1,726.29 million at the end of Year 2008 to Baht 1,795.72

million at the end of Year 2009 with paid-up capital of Baht 1,150 million and retained earnings of Baht 500.34 million.

This expansion of equity was mainly due to an increase in net profit of the company and its subsidiary.

Auditorûs Fee

In Year 2009, the Company and its subsidiaryûs remuneration to the auditors can be summarized below:1. Auditing fee to:

ë The office employing such auditor in the previous financial period totaling Baht 2,860,000.

ë The person or business related to such auditor and its office in the previous financial period forauditing service totaling Baht 0 and no for other expense related to auditing service.

2. Fee from other servicesThe Company and its subsidiaryûs fee from other services were derived from such expenses as

document delivery, traveling expense and other expenses etc., to the following parties:ë The office employing such auditor in the previous financial period totaling Baht 75,827.ë The person or business related to such auditor and its office in the previous financial period totaling

0 Baht.


To the Shareholders of Asia Sermkij Leasing Public Company Limited

I have audited the accompanying consolidated balance sheets of Asia Sermkij Leasing Public Company Limited

and its subsidiary as at 31 December 2009 and 2008, the related consolidated statements of income, changes inshareholdersû equity and cash flows for the years then ended, and the separate financial statements of Asia SermkijLeasing Public Company Limited for the same periods. These financial statements are the responsibility of the

management of the Company and its subsidiary as to their correctness and the completeness of the presentation.My responsibility is to express an opinion on these financial statements based on my audits.

I conducted my audits in accordance with generally accepted auditing standards. Those standards require thatI plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of materialmisstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the

financial statements. An audit also includes assessing the accounting principles used and significant estimates made bymanagement, as well as evaluating the overall financial statement presentation. I believe that my audits provide areasonable basis for my opinion.

In my opinion, the financial statements referred to above present fairly, in all material respects, the financialposition of Asia Sermkij Leasing Public Company Limited and its subsidiary and of Asia Sermkij Leasing Public Company

Limited as at 31 December 2009 and 2008, the results of their operations, and cash flows for the years then ended,in accordance with generally accepted accounting principles.

Vissuta JariyathanakornCertified Public Accountant (Thailand) No. 3853

Ernst & Young Office Limited

Bangkok: 29 January 2010

Report of Independent Auditor


Balance sheets

Asia Sermkij Leasing Public Company Limited and its subsidiary

As at 31 December 2009 and 2008

The accompanying notes are an integral part of the financial statements.

(Unit: Baht)

Consolidated financial statements Separate financial statements

Note 2009 2008 2009 2008

Assets

Current assets

Cash and cash equivalents 21, 22 237,170,865 61,100,218 156,051,981 27,008,382

Current investment 1,725,750 1,240,200 1,725,750 1,240,200

Current portion of hire purchase

receivables - net 6 4,149,888,865 3,959,987,204 3,754,196,699 3,459,149,979

Current portion of financial lease

receivables - net 7 309,827,074 355,508,079 - -

Current portion of factoring receivables - net 8 632,275,420 784,996,122 - -

Current portion of loan receivables - net 9 23,640,927 22,493,958 19,930,417 17,544,442

Assets foreclosed - net 11 38,280,337 25,346,118 24,172,986 19,738,318

Other current assets 114,203,506 119,984,181 94,233,312 92,729,545

Total current assets 5,507,012,744 5,330,656,080 4,050,311,145 3,617,410,866

Non-current assets

Hire purchase receivables - net

of current portion 6 6,671,464,620 6,159,611,167 6,418,987,190 5,819,483,278

Financial lease receivables - net

of current portion 7 303,585,235 367,439,994 - -

Factoring receivables - net of current portion 8 - 5,908,797 - -

Loan receivables - net of current portion 9 4,187,723 5,426,621 - -

Investment in subsidiary 12 - - 446,913,607 446,913,607

Other long-term investment - net 13 298,240 311,040 - -

Land, building and equipment - net 14 38,674,897 31,604,108 33,811,641 23,670,071

Intangible assets - net 15 23,484,882 19,809,448 19,297,949 15,529,331

Other non-current assets - net 16 20,487,616 16,936,704 3,927,336 3,807,796

Total non-current assets 7,062,183,213 6,607,047,879 6,922,937,723 6,309,404,083

Total assets 12,569,195,957 11,937,703,959 10,973,248,868 9,926,814,949


Balance sheets (continued)



(Unit: Baht)


Note 2009 2008 2009 2008

Liabilities and shareholdersû equity

Current liabilities

Bank overdrafts and short-term loans from banks 17, 21 3,161,489,113 5,562,598,883 2,541,830,137 4,259,566,928

Short-term loans from a related party 21 60,000,000 60,000,000 - -

Current portion of long-term loans from a

related party 21 2,000,000,000 - 1,500,000,000 -

Current portion of long-term loans from banks 19 1,000,000,000 800,000,000 1,000,000,000 800,000,000

Amounts due to related parties 21 5,413,999 21,056,009 4,312,662 10,533,805

Other short-term loans 18 1,210,000,000 10,000,000 1,210,000,000 10,000,000

Short-term provisions for financial guarantees 20 - 22,000,000 - -

Other current liabilities 236,575,312 235,763,009 171,985,578 163,205,081

Total current liabilities 7,673,478,424 6,711,417,901 6,428,128,377 5,243,305,814

Non-current liabilities

Long-term loans from a related party

- net of current portion 21 300,000,000 2,000,000,000 - 1,500,000,000

Long-term loans from banks 19 2,800,000,000 1,500,000,000 2,800,000,000 1,500,000,000

Total non-current liabilities 3,100,000,000 3,500,000,000 2,800,000,000 3,000,000,000

Total liabilities 10,773,478,424 10,211,417,901 9,228,128,377 8,243,305,814



Balance sheets (continued)



(Unit: Baht)


Note 2009 2008 2009 2008

Shareholdersû equity

Share capital

Registered

230,000,000 ordinary shares of Baht 5 each 1,150,000,000 1,150,000,000 1,150,000,000 1,150,000,000

Issued and fully paid-up

230,000,000 ordinary shares of Baht 5 each 1,150,000,000 1,150,000,000 1,150,000,000 1,150,000,000

Share premium 141,185,450 141,185,450 141,185,450 141,185,450

Difference from restructuring of shareholding 4,188,003 4,188,003 - -

Retained earnings

Appropriated - statutory reserve 23 47,349,725 38,059,157 47,349,725 38,059,157

Unappropriated 452,994,355 392,853,448 406,585,316 354,264,528

Total shareholdersû equity 1,795,717,533 1,726,286,058 1,745,120,491 1,683,509,135

Total liabilities and shareholdersû equity 12,569,195,957 11,937,703,959 10,973,248,868 9,926,814,949



Income statements


For the years ended 31 December 2009 and 2008

(Unit: Baht)


Note 2009 2008 2009 2008

Revenues

Hire purchase interest income 916,434,627 842,565,803 834,182,186 744,279,413

Factoring income 50,773,331 68,511,319 - -

Interest income on financial leases 65,259,132 71,530,461 - -

Interest income from loans 3,120,658 5,027,063 3,359,599 4,060,763

Penalty income 44,732,729 38,223,152 38,960,276 36,058,869

Income from recommending insurance services 56,290,411 58,312,572 53,629,685 55,062,181

Dividend income 46,800 46,800 46,800 53,982,283

Other income 57,137,497 63,521,286 43,271,785 47,490,873

Total revenues 1,193,795,185 1,147,738,456 973,450,331 940,934,382

Expenses

Selling expenses 71,018,655 67,879,761 56,497,398 53,180,187

Administrative expenses 265,067,827 251,982,885 203,386,692 197,394,897

Provision for financial guarantees - 22,000,000 - -

Bad debts and doubtful accounts 113,853,852 70,632,800 68,234,453 55,762,720

Management remuneration 37,292,584 37,229,327 30,554,802 30,720,119

Total expenses 487,232,918 449,724,773 358,673,345 337,057,923

Income before finance cost and

corporate income tax 706,562,267 698,013,683 614,776,986 603,876,459

Finance cost 21 (419,044,649) (448,584,161) (357,355,404) (362,346,568)

Income before corporate income tax 287,517,618 249,429,522 257,421,582 241,529,891

Corporate income tax (93,886,143) (70,507,220) (71,610,226) (47,728,079)

Net profit for the year 193,631,475 178,922,302 185,811,356 193,801,812

Basic earnings per share 25

Net profit 0.84 0.78 0.81 0.84



Statements of changes in shareholdersû equity



(Unit: Baht)Consolidated financial statements

Difference Retained earnings

Issued and from Appropriated

paid-up Share restructuring of statutory

Note share capital premium shareholding reserve Unappropriated Total

Balance as at 31 December 2007 1,150,000,000 141,185,450 4,188,003 28,369,067 338,621,236 1,662,363,756

Net profit for the year - - - - 178,922,302 178,922,302

Statutory reserve - - - 9,690,090 (9,690,090) -

Dividend paid 28 - - - - (115,000,000) (115,000,000)



Net profit for the year - - - - 193,631,475 193,631,475

Statutory reserve - - - 9,290,568 (9,290,568) -

Dividend paid 28 - - - - (124,200,000) (124,200,000)





Statements of changes in shareholdersû equity



(Unit: Baht)Separate financial statements

Retained earnings

Issued and Appropriated

paid-up Share statutory

Note share capital premium reserve Unappropriated Total

Balance as at 31 December 2007 1,150,000,000 141,185,450 28,369,067 285,152,806 1,604,707,323

Net profit for the year - - - 193,801,812 193,801,812

Statutory reserve - - 9,690,090 (9,690,090) -

Dividend paid 28 - - - (115,000,000) (115,000,000)



Net profit for the year - - - 185,811,356 185,811,356

Statutory reserve - - 9,290,568 (9,290,568) -

Dividend paid 28 - - - (124,200,000) (124,200,000)




Cash flow statements



(Unit: Baht)


2009 2008 2009 2008

Cash flows from operating activities

Net profit before tax 287,517,618 249,429,522 257,421,582 241,529,891

Adjustments to reconcile net profit to net cash

provided by (paid from) operating activities:

Bad debts and doubtful accounts 113,853,852 70,632,800 68,234,453 55,762,720

Provision for financial guarantee - 22,000,000 - -

Allowance for diminution in value of assets foreclosed 14,374,579 5,615,463 6,977,129 3,985,155

Allowance for diminution in value of

other long-term investments 12,800 17,280 - -

Depreciation 12,427,212 12,941,364 9,101,349 9,569,020

Amortisation of intangible assets 1,901,799 616,258 1,808,598 523,059

(Gain) loss from revaluation of investments (485,550) 1,129,050 (485,550) 1,129,050

Gain on disposals of equipment (1,833,206) (767,954) (529,327) (288,953)

Interest income (1,035,587,748) (987,634,646) (837,541,785) (748,340,176)

Interest expenses 410,986,388 441,303,100 351,135,091 356,906,361

Dividend income (46,800) (46,800) (46,800) (53,982,283)

Loss from operating activities before changes in

operating assets and liabilities (196,879,056) (184,764,563) (143,925,260) (133,206,156)

Decrease (increase) in operating assets

Hire purchase receivables (722,064,657) (1,020,455,929) (912,606,304) (1,072,160,649)

Financial lease receivables 96,918,001 (45,792,187) - -

Factoring receivables 156,387,616 (16,854,730) - -

Loan receivables (1,661,838) 28,693,561 (4,159,725) 28,693,561

Assets foreclosed (45,975,485) (40,923,895) (30,210,827) (41,896,164)

Other current assets 13,974,190 3,681,738 7,889,339 (16,564,637)

Other non-current assets (85,873,845) (40,997,996) (31,285,358) (10,796,115)

Increase (decrease) in operating liabilities

Amounts due to related parties (15,642,010) 12,203,947 (6,221,143) 4,221,455

Other current liabilities (4,766,313) 8,640,441 (8,455,477) 23,924,927

Rental deposits - (5,000,000) - -

Cash used in operating activities (805,583,397) (1,301,569,613) (1,128,974,755) (1,217,783,778)

Cash received from interest 1,044,556,926 984,167,447 844,024,786 748,872,306

Cash paid for interest expenses (435,362,821) (429,826,259) (365,966,576) (352,221,314)

Cash paid for corporate income tax (80,432,020) (65,681,189) (55,234,312) (53,182,411)

Net cash used in operating activities (276,821,312) (812,909,614) (706,150,857) (874,315,197)



Cash flow statements (continued)



(Unit: Baht)


2009 2008 2009 2008

Cash flows from investing activities

Acquisitions of equipment and vehicle (18,205,473) (5,891,861) (17,895,580) (5,516,707)

Acquisitions of intangible assets (5,577,216) (775,680) (5,577,216) (775,680)

Proceeds from disposals of equipment and vehicle 1,937,617 1,236,570 557,243 476,758

Dividend income 46,800 46,800 46,800 53,982,283

Net cash from (used in) investing activities (21,798,272) (5,384,171) (22,868,753) 48,166,654

Cash flows from financing activities

Increase (decrease) in short-term loans from banks (2,429,972,019) (65,055,805) (1,740,000,000) 215,000,000

Increase (decrease) in other short-term loans 1,200,000,000 (40,000,000) 1,200,000,000 (40,000,000)

Increase in long-term loans from a related party 300,000,000 600,000,000 - 300,000,000

Increase in long-term loans from banks 2,300,000,000 500,000,000 2,300,000,000 500,000,000

Repayment of long-term loan from banks (800,000,000) - (800,000,000) -

Dividend paid (124,200,000) (115,000,000) (124,200,000) (115,000,000)

Net cash from financing activities 445,827,981 879,944,195 835,800,000 860,000,000

Net increase in cash and cash equivalents 147,208,397 61,650,410 106,780,390 33,851,457

Cash and cash equivalents at beginning of year 29,444,226 (32,206,184) (2,558,546) (36,410,003)

Cash and cash equivalents at end of year (Note 22) 176,652,623 29,444,226 104,221,844 (2,558,546)


1. General informationAsia Sermkij Leasing Public Company Limited (çthe Companyé) is a public company incorporated and

domiciled in Thailand. Its major shareholders are Chailease Finance Company Limited and AK Enterprise(Thailand) Company Limited, which have the same group of shareholders, and its ultimate parent company is

Financial One Corporation. The Company is principally engaged in the auto hire purchase services and itsregistered address is 175 Sathorn City Tower, 24th Floor, South Sathorn Road, Tungmahamek, Sathorn, Bangkok.

2. Basis of preparation2.1 The financial statements have been prepared in accordance with accounting standards enunciated under the

Accounting Profession Act B.E. 2547 and their presentation has been made in compliance with the

stipulations of the Notification of the Department of Business Development dated 30 January 2009, issuedunder the Accounting Act B.E. 2543.

The financial statements in Thai language are the official statutory financial statements of theCompany. The financial statements in English language have been translated from the Thai language

financial statements.

The financial statements have been prepared on a historical cost basis except where otherwisedisclosed in the accounting policies.

2.2 Basis of consolidationa) The consolidated financial statements include the financial statements of the Company and the

following subsidiary:Revenues as a percentage

Assets as a percentage to the consolidated total

Country of Percentage of to the consolidated total revenues for the years

Subsidiary Nature of business incorporation shareholding assets as at 31 December ended 31 December

2009 2008 2009 2008 2009 2008

(Percent) (Percent) (Percent) (Percent) (Percent) (Percent)

Bangkok Grand Pacific Lease Hire purchase, leasing Thailand 99.99 99.99 16.25 20.59 19.73 24.53

Public Company Limited and factoring

b) Subsidiary is fully consolidated as from the date of acquisition, being the date on which the Companyobtains control, and continue to be consolidated until the date when such control ceases.

c) The financial statements of the subsidiary are prepared for the same reporting period as the parent

company, using consistent significant accounting policies.d) Material balances and transactions between the Company and its subsidiary have been eliminated

from the consolidated financial statements. The Company and the subsidiary had the same directors

and shareholders both before and after the Company acquired the subsidiary, and the Companytherefore recorded the difference between the attributable net asset value of the subsidiary and theacquisition cost of Baht 4.2 million in shareholdersû equity.

Notes to consolidated financial statements

Asia Sermkij Leasing Public Company Limited and its subsidiaryFor the years ended 31 December 2009 and 2008


2.3 The separate financial statements, which present investments in subsidiary under the cost method, havebeen prepared solely for the benefit of the public.

3. Adoption of new accounting standardsIn June 2009, the Federation of Accounting Professions has issued Notification No. 12/2552, assigning new

numbers to Thai Accounting Standards that match the corresponding International Accounting Standards. The

numbers of Thai Accounting Standards as referred to these financial statements reflect such change.

The Federation of Accounting Professions has issued Notification No. 86/2551 and 16/2552, mandating theuse of new accounting standards, financial reporting standard and accounting treatment guidance as follows.

3.1 Accounting standards, financial reporting standard and accounting treatment guidance whichare effective for the current yearFramework for the Preparation and Presentation of Financial Statements (revised 2007)

TAS 36 (revised 2007) Impairment of AssetsTFRS 5 (revised 2007) Non-Current Assets Held for Sale and Discontinued Operations

Accounting Treatment Guidance for Leasehold Right

Accounting Treatment Guidance for Business Combination under Common Control

These accounting standards, financial reporting standard and accounting treatment guidance becameeffective for the financial statements for fiscal year beginning on or after 1 January 2009. The management

has assessed the effect of these standards and believes that TFRS 5 (revised 2007), Accounting TreatmentGuidance for Leasehold Right and Accounting Treatment Guidance for Business Combination underCommon Control are not relevant to the business of the Company, while Framework for the Preparation and

Presentation of Financial Statements (revised 2007) and TAS 36 (revised 2007) do not have any significantimpact on the financial statements for the current year.

3.2 Accounting standards which are not effective for the current yearEffective date

TAS 20 Accounting for Government Grants 1 January 2012

and Disclosure of Government AssistanceTAS 24 (revised 2007) Related Party Disclosures 1 January 2011TAS 40 Investment Property 1 January 2011

However, TAS 24 (revised 2007) and TAS 40 allow early adoption by the entity before the effectivedate.

The management of the Company has assessed the effect of these standards and believes that TAS

20 and TAS 40 are not relevant to the business of the Company and its subsidiary, while TAS 24 (revised2007) will not have any significant impact on the financial statements for the year in which it is initiallyapplied.


4. Significant accounting policies4.1 Revenue recognition

a) Hire purchase interest income/Interest income on financial leases/Interest income from loans

Hire purchase interest income, interest income on financial leases and interest income from loans isrecognised as income over the period of agreement, using the effective rate method, with incomerecognised when the installments fall due irrespective of when actual collection is made. Recognition

of interest income is stopped for receivables which have defaulted on more than 6 scheduledinstallment payments.

b) Factoring income

The subsidiary recognises fees relating to factoring transactions when the factoring agreement isexecuted. Interest income from factoring is recognised on an accrual basis. Recognition of interestincome is stopped for factoring receivables which have defaulted for more than 4 months.

c) Operating lease incomeOperating lease income is recognised over the rent period.

d) Penalty income

Penalty income is recognised on an accrual basis.e) Income from recommending insurance services

Income from recommending insurance services is recognised on an accrual basis.

4.2 Cash and cash equivalentsCash and cash equivalents consist of cash in hand and at banks, and all highly liquid investments,

with an original maturity of three months or less and not subject to withdrawal restrictions.

For the purpose of the cash flow statement, cash and cash equivalents consist of cash and cashequivalents as defined above, net of outstanding bank overdrafts.

4.3 Receivables and allowance for doubtful accountsHire purchase receivables, financial lease receivables, factoring receivables and loan receivables are

stated net of unearned interest income and allowance for doubtful accounts.

The Company provides allowance for doubtful accounts for hire purchase receivables and loan

receivables based on the estimated collection losses that may be incurred in collection of receivables, byconsidering of the current status of receivables, their ability to make payment, past experience and historicaldata on actual losses on collection.

The subsidiary provides allowance for doubtful accounts for hire purchase receivables, financial lease

receivables, loan receivables and factoring receivables which are treated as commercial loans, based onconsideration of the receivablesû status, ability to make payment and the value of collateral.

4.4 Assets foreclosedThese represent assets repossessed from hire purchase and financial lease receivables and are

stated at the lower of cost (which mostly comprises the net outstanding balance) and estimated net

realisable value. Allowance is made for the decline in value of the repossessed assets.


4.5 InvestmentsInvestments in securities held for trading are stated at fair value. Gains or losses arising from

changes in the carrying amounts of securities are included in determining profit.

The fair value of marketable securities is based on the latest bid price of the last working day of the

year as quoted on the Stock Exchange of Thailand.

Investments in non-marketable equity securities, which are regarded as other investments, are statedat cost net of allowance for loss on diminution in value of investments (if any).

Investment in subsidiary is accounted for in the separate financial statements using the cost method.

The weighted average method is used for computation of the cost of investments.

4.6 Land, building and equipment/DepreciationLand is stated at cost. Building and equipment are stated at cost less accumulated depreciation and

allowance for loss on impairment of assets (if any). Depreciation of building and equipment is calculated by

reference to their costs on the straight-line basis over the following estimated useful lives:Building 20 yearsFurniture, fixtures and equipment 5 years

Vehicles 5 years

Depreciation is included in determining profit.

No depreciation is provided for land and building improvement under construction.

4.7 Intangible assetsIntangible assets are stated at cost less accumulated amortisation and allowance for loss on

impairment of assets (if any). Amortisation is calculated by reference to cost on a straight-line basis over theexpected future period, for which the assets are expected to generate economic benefit, as follows: -

Software 10 years

The amortisation is included in determining profit.

No amortisation is provided for software under installation.

4.8 Related party transactionsRelated parties comprise enterprises and individuals that control, or are controlled by, the Company,

whether directly or indirectly, or which are under common control with the Company.

They also include associated companies and individuals which directly or indirectly own a votinginterest in the Company that gives them significant influence over the Company, key managementpersonnel, directors and officers with authority in the planning and direction of the Companys operations.


4.9 Long-term leasesThe Company and the subsidiary as a lessor.

Leases which the Company and the subsidiary transfer substantially all the risks and rewards ofownership are classified as finance leases. Amounts due from leasees under hire purchases and financial

leases are recorded as receivables at the amount of the Company and the subsidiaryûs net investment inleases. Finance lease income is allocated to accounting periods to reflect a constant periodic rate of returnon the Company and the subsidiaryûs net investment outstanding in respect of the leases.

Initial costs directly attributable to a hire purchase contract, such as commissions, are included in the

measurement of the net investment in the lease and reflected in the calculation of the implicit interest rate.

Leases under which the Company and the subsidiary retain substantially all the risks and rewards ofownership of the assets are classified as operating leases.

4.10 Foreign currenciesTransactions in foreign currencies are translated into Baht at the exchange rate ruling at the date of

the transaction. Monetary assets and liabilities denominated in foreign currencies are translated into Baht at

the exchange rate ruling at the balance sheet date.

Gains and losses on exchange are included in determining profit.

4.11 Impairment of assetsAt each reporting date, the Company and the subsidiary perform impairment reviews in respect of

the property, building and equipment and other intangible assets whenever events or changes incircumstances indicate that an asset may be impaired. An impairment loss is recognised when the

recoverable amount of an asset, which is the higher of the assetûs fair value less costs to sell and its valuein use, is less than the carrying amount. In determining value in use, the estimated future cash flows arediscounted to their present value using a pre-tax discount rate that reflects current market assessments of

the time value of money and the risks specific to the asset. In determining fair value less costs to sell, anappropriate valuation model is used. These calculations are corroborated by a valuation model that, basedon information available, reflects the amount that the Company and the subsidiary could obtain from the

disposal of the asset in an armûs length transaction between knowledgeable, willing parties, after deductingthe costs of disposal.

An impairment loss is recognised in the income statement.

4.12 Employee benefitsSalaries, wages, bonuses and contributions to the social security fund and provident fund are

recognised as expenses when incurred.

4.13 Income taxIncome tax is provided for in the accounts based on the taxable profits determined in accordance

with tax legislation.


4.14 ProvisionsProvisions are recognised when the Company and the subsidiary has a present obligation as a result

of a past event, it is probable that an outflow of resources embodying economic benefits will be required to

settle the obligation, and a reliable estimate can be made of the amount of the obligation.

4.15 Interest rate swap contractsThe net amounts of interest to be received from or paid to the counterparty under the interest rate

swap contracts is recognised as income or expenses on an accrual basis.

5. Significant accounting judgments and estimatesThe preparation of financial statements in conformity with generally accepted accounting principles at times

requires management to make subjective judgments and estimates regarding matters that are inherently uncertain.

These judgments and estimates affect reported amounts and disclosures and actual results could differ. Significantjudgments and estimates are as follows:

LeasesIn determining whether a lease is to be classified as an operating lease or finance lease, the management

is required to use judgment regarding whether significant risk and rewards of ownership of the leased asset hasbeen transferred, taking into consideration terms and conditions of the arrangement.

Allowance for doubtful accountsIn determining an allowance for doubtful accounts, the management needs to make judgment and estimates

based upon, among other things, past collection history, aging profile of outstanding debts and the prevailing

economic condition.

Fair value of financial instrumentsIn determining the fair value of financial instruments that are not actively traded and for which quoted market

prices are not readily available, the management exercise judgment, using a variety of valuation techniques andmodels. The input to these models is taken from observable markets, and includes consideration of liquidity,correlation and longer-term volatility of financial instruments.


6. Hire purchase receivables6.1 As at 31 December 2009 and 2008, the balance of hire purchase receivables are as follows:


Current portion of Long-term portion of

hire purchase receivables hire purchase receivables Total

2009 2008 2009 2008 2009 2008

Hire purchase receivables 4,976,810,027 4,747,005,856 7,498,710,633 6,929,834,079 12,475,520,660 11,676,839,935

Less: Unearned hire purchase

interest income (775,807,490) (733,491,897) (763,865,005) (706,455,301) (1,539,672,495) (1,439,947,198)

4,201,002,537 4,013,513,959 6,734,845,628 6,223,378,778 10,935,848,165 10,236,892,737

Less: Allowance for doubtful

accounts (51,113,672) (53,526,755) (63,381,008) (63,767,611) (114,494,680) (117,294,366)

Hire purchase receivables - net 4,149,888,865 3,959,987,204 6,671,464,620 6,159,611,167 10,821,353,485 10,119,598,371


Current portion of Long-term portion of

hire purchase receivables hire purchase receivables Total

2009 2008 2009 2008 2009 2008

Hire purchase receivables 4,511,113,602 4,158,679,623 7,213,232,132 6,547,652,177 11,724,345,734 10,706,331,800

Less: Unearned hire purchase

interest income (725,799,467) (667,740,239) (741,169,252) (674,661,005) (1,466,968,719) (1,342,401,244)

3,785,314,135 3,490,939,384 6,472,062,880 5,872,991,172 10,257,377,015 9,363,930,556


accounts (31,117,436) (31,789,405) (53,075,690) (53,507,894) (84,193,126) (85,297,299)

Hire purchase receivables - net 3,754,196,699 3,459,149,979 6,418,987,190 5,819,483,278 10,173,183,889 9,278,633,257

6.2 As at 31 December 2009 and 2008, the balances of hire purchase receivables (net of unearned hirepurchase interest income) are classified by aging as follows:

(Unit: Baht)Consolidated financial statements Separate financial statements

Age of receivables 2009 2008 2009 2008

Not yet due 9,965,554,750 9,257,035,295 9,345,025,716 8,462,114,757Past due

1 - 3 installments 850,972,978 816,172,575 816,915,748 786,108,9744 - 6 installments 46,690,697 64,066,952 38,112,183 45,191,7477 - 12 installments 29,782,403 57,537,708 21,045,803 49,617,295Over 12 installments 42,847,337 42,080,207 36,277,565 20,897,783

Total 10,935,848,165 10,236,892,737 10,257,377,015 9,363,930,556Less: Allowance for doubtful accounts (114,494,680) (117,294,366) (84,193,126) (85,297,299)Hire purchase receivables - net 10,821,353,485 10,119,598,371 10,173,183,889 9,278,633,257


6.3 As at 31 December 2009 and 2008, a reconciliation between minimum lease payments in the hire purchasecontracts together with the present value of future minimum lease payments receivables are as follows:

(Unit: Baht)

Consolidated financial statements2009 2008

Minimum lease Present value of Minimum lease Present value of

payments of hire future minimum payments of hire future minimum

purchase lease payments purchase lease payments

contracts receivable contracts receivable

Within one year 4,976,810,027 4,201,002,537 4,747,005,856 4,013,513,959After one year but not more than five years 7,455,460,002 6,693,077,085 6,887,045,164 6,182,218,930More than five years 43,250,631 41,768,543 42,788,915 41,159,848

Total 12,475,520,660 10,935,848,165 11,676,839,935 10,236,892,737Less: Amounts representing finance charges (1,539,672,495) (1,439,947,198)Net investment in hire purchase contracts 10,935,848,165 10,236,892,737


2009 2008


payments of hire future minimum payments of hire future minimum

purchase lease payments purchase lease payments

contracts receivable contracts receivable

Within one year 4,511,113,602 3,785,314,135 4,158,679,623 3,490,939,384

After one year but not more than five years 7,169,981,501 6,430,294,337 6,504,863,262 5,831,831,324More than five years 43,250,631 41,768,543 42,788,915 41,159,848Total 11,724,345,734 10,257,377,015 10,706,331,800 9,363,930,556

Less: Amounts representing finance charges (1,466,968,719) (1,342,401,244)Net investment in hire purchase contracts 10,257,377,015 9,363,930,556

6.4 On 30 April 2004, the Institute of Certified Accountants and Auditors of Thailand with the approval of theOffice of the Securities and Exchange Commission, stipulated an accounting guideline for the consumerfinance business, whereby full allowance for doubtful accounts is to be recorded, recognition of revenue is

to cease for accounts receivable which are overdue by more than 3 installments, and general allowance isto be provided for accounts receivable which are overdue not more than 3 installments. If the Company hadfollowed this accounting guideline, without considering a general provision, as at 31 December 2009 the

Company would have to increase its allowance for doubtful accounts by a total of Baht 11.24 million (2008:Baht 30.41 million) and reduce the amount of revenue recognised for the year ended 31 December 2009 byBaht 0.42 million (2008: Baht 0.55 million).


However, this accounting guideline provides an alternative whereby, in cases where a companybelieves that the guideline would not be appropriate, it is to disclose the method it uses, together with thereasons. The Company has a policy to cease recognising revenue from hire purchase receivables which areoverdue by more than 6 installments and to set up allowance based on consideration of the current statusof receivables, their ability to make payment, past experience and historical data on actual losses oncollection. As at 31 December 2009, allowance for doubtful accounts has been set aside at an average rateof 0.82 percent (2008: 0.91 percent), without taking collateral values into account, which exceeds thehistorical loss on collection rate of 0.56 percent (average actual loss rate up to 31 December 2009 from hirepurchase receivables at the end of the year 2001 to 2006).

As at 31 December 2009, there are outstanding hire purchase receivables amounting toapproximately Baht 35.71 million (2008: Baht 45.91 million) for which installment payments are more than3 installments overdue but for which revenue is still being recognised.

Hire purchase receivables of the subsidiary and also its financial lease receivables, loan receivablesand factoring receivables are treated as commercial loans, whereby the subsidiary records allowance fordoubtful accounts based on consideration of the receivablesû status, ability to make payment and the valueof collateral.

6.5 As at 31 December 2009 and 2008, the Company had assigned collection rights over hire purchase

receivables with outstanding balances (before net of unearned hire purchase interest income) of Baht6,923.37 million and Baht 5,370.93 million, respectively, in order to secure credit facilities granted bycommercial banks as discussed in Note 17 and Note 19.

6.6 As at 31 December 2009 and 2008, the Company and the subsidiary had hire purchase receivables (net ofunearned hire purchase interest income) amounting to approximately Baht 68.93 million and Baht 85.12

million, respectively, for which revenue recognition has ceased (Separate financial statements: Baht 63.57million and Baht 74.22 million, respectively).

6.7 The hire purchase agreements of the Company and the subsidiary have terms of 12 - 72 months andrequire settlement in equal installments.

7. Financial lease receivables7.1 As at 31 December 2009 and 2008, the balance of financial lease receivables are as follows:

(Unit: Baht)

Consolidated financial statementsCurrent portion of financial Long-term portion of

lease receivables financial lease receivables Total2009 2008 2009 2008 2009 2008

Financial lease receivables 372,633,845 419,361,670 347,170,701 405,464,380 719,804,546 824,826,050

Less: Unearned interest income (47,812,399) (54,835,322) (29,607,125) (31,223,688) (77,419,524) (86,059,010)

324,821,446 364,526,348 317,563,576 374,240,692 642,385,022 738,767,040


accounts (14,994,372) (9,018,269) (13,978,341) (6,800,698) (28,972,713) (15,818,967)

Financial lease receivables - net 309,827,074 355,508,079 303,585,235 367,439,994 613,412,309 722,948,073


7.2 As at 31 December 2009 and 2008, the balance of financial lease receivables (net of unearned interestincome) is classified by aging as follows:

(Unit: Baht)

Consolidated financial statementsAge of receivables 2009 2008

Not yet due 601,624,428 707,652,040

Past due1 - 3 installments 12,093,244 15,480,2454 - 6 installments 5,643,108 5,759,385

7 - 12 installments 21,402,687 3,567,126Over 12 installments 1,621,555 6,308,244

Total 642,385,022 738,767,040

Less: Allowance for doubtful accounts (28,972,713) (15,818,967)Financial lease receivables - net 613,412,309 722,948,073

7.3 As at 31 December 2009 and 2008, a reconciliation between minimum lease payments in the financial leasecontracts together with the present value of future minimum lease payments receivables are as follows:

(Unit: Baht)

Consolidated financial statements2009 2008


payments of future minimum payments of future minimumfinancial lease lease payments financial lease lease payments

contracts receivables contracts receivables

Within one year 372,633,845 324,821,446 419,361,670 364,526,348After one year but not more than five years 347,170,701 317,563,576 405,464,380 374,240,692Total 719,804,546 642,385,022 824,826,050 738,767,040

Less: Amounts representing finance charges (77,419,524) (86,059,010)Net investment in hire purchase contracts 642,385,022 738,767,040

7.4 As at 31 December 2009 and 2008, the subsidiary had financial lease receivables (net of unearned interestincome) amounting to approximately Baht 0.98 million and Baht 3.51 million, respectively, for which revenuerecognition has ceased.

7.5 The subsidiaryûs financial lease agreements have terms of 36 - 60 months and require settlement in equalinstallments.


8. Factoring receivables

8.1 As at 31 December 2009 and 2008, the balances of factoring receivables are as follows:(Unit: Baht)

Consolidated financial statements

Current portion of Long-term portion offactoring receivables factoring receivables Total2009 2008 2009 2008 2009 2008

Factoring receivables 831,718,054 1,049,071,696 - 5,940,480 831,718,054 1,055,012,176

Less: Factoring payables (172,777,120) (239,683,625) - - (172,777,120) (239,683,625)

658,940,934 809,388,071 - 5,940,480 658,940,934 815,328,551


accounts (26,665,514) (24,391,949) - (31,683) (26,665,514) (24,423,632)

Factoring receivables - net 632,275,420 784,996,122 - 5,908,797 632,275,420 790,904,919

8.2 As at 31 December 2009 and 2008, the balances of factoring receivables - net are classified by aging asfollows:


Age of receivables 2009 2008

Not yet due 593,043,554 749,092,643Past due

1 - 3 months 41,239,089 45,782,850

4 - 6 months 5,107,236 205,4407 - 12 months 6,215,133 1,752,000Over 12 months 13,335,922 18,495,618

Total 658,940,934 815,328,551Less: Allowance for doubtful accounts (26,665,514) (24,423,632)Factoring receivables - net 632,275,420 790,904,919

8.3 As at 31 December 2009 and 2008, the subsidiary had factoring receivables (after deducting factoringpayables and unearned interest income) amounting to approximately Baht 22.27 million and Baht 19.65

million, respectively, for which revenue recognition had ceased.


9. Loan receivables

9.1 As at 31 December 2009 and 2008, the balances of loan receivables are as follows:(Unit: Baht)

Consolidated financial statements

Current portion of Long-term portion ofloan receivables loan receivables Total2009 2008 2009 2008 2009 2008

Loan receivables 25,598,832 23,623,869 4,221,495 5,470,385 29,820,327 29,094,254


accounts (1,957,905) (1,129,911) (33,772) (43,764) (1,991,677) (1,173,675)

Loan receivables - net 23,640,927 22,493,958 4,187,723 5,426,621 27,828,650 27,920,579

(Unit: Baht)

Separate financial statementsCurrent portion of Long-term portion ofloan receivables loan receivables Total

2009 2008 2009 2008 2009 2008Loan receivables 21,858,398 18,634,438 - - 21,858,398 18,634,438


accounts (1,927,981) (1,089,996) - - (1,927,981) (1,089,996)

Loan receivables - net 19,930,417 17,544,442 - - 19,930,417 17,544,442

9.2 As at 31 December 2009 and 2008, the balances of loan receivables are classified by aging as follows:(Unit: Baht)


Age of receivables 2009 2008 2009 2008

Not yet due 27,833,725 26,458,796 19,871,796 15,998,980Past due

1 - 3 installments 71,661 1,095,979 71,661 1,095,9794 - 6 installments 33,321 1,156,066 33,321 1,156,0667 - 12 installments 17,128 123,586 17,128 123,586

Over 12 installments 1,864,492 259,827 1,864,492 259,827Total 29,820,327 29,094,254 21,858,398 18,634,438Less: Allowance for doubtful accounts (1,991,677) (1,173,675) (1,927,981) (1,089,996)

Loan receivables - net 27,828,650 27,920,579 19,930,417 17,544,442


10. Troubled debt restructuringDebts restructuring of hire purchase receivables and financial lease receivables under modification of terms

of the subsidiary during the year is as follows:

2009 2008Number of debtors 138 9

Loan balances before restructuring (Million Baht) 150.82 10.15Losses on troubled debt restructuring (Million Baht) - -

As at 31 December 2009 and 2008, debtors under hire purchase receivables and financial lease receivablesthat have been restructured by means of modification of terms were as follows:

2009 2008Number of receivables restructured 137 10Total number of receivables 2,083 2,754

Balance of restructured debts (Million Baht) 137.17 9.80

11. Assets foreclosedAs at 31 December 2009 and 2008, assets foreclosed are as follows:


2009 2008 2009 2008

Repossessed assets 60,749,730 34,750,570 37,235,545 25,823,748Less : Allowance for diminution in

value of assets foreclosed (22,469,403) (9,404,452) (13,062,559) (6,085,430)Assets foreclosed - net 38,280,337 25,346,118 24,172,986 19,738,318

12. Investment in subsidiaryDetails of investments in subsidiary as presented in separate financial statements are as follows:

(Unit: Baht)

Percentage of Dividend received during

Paid-up Capital shareholding Cost the year

Subsidiary 2009 2008 2009 2008 2009 2008 2009 2008

(Baht) (Baht) (Percent) (Percent)

Bangkok Grand Pacific Lease

Public Company Limited 438,500,000 438,500,000 99.99 99.99 446,913,607 446,913,607 - 53,935,483


13. Other long-term investmentAs at 31 December 2009 and 2008, other long-term investment is as follows:

(Unit: Baht)

Consolidated financial

Paid-up Percentage of statements

Nature of business capital shareholding 2009 2008

(Baht) (Percent)

Other investment

Bangkok Club Company Limited Sales of foods and beverage 450,000,000 0.14 1,140,000 1,140,000

Less: Allowance for diminution in

value of other long-term

investment (841,760) (828,960)

Other long-term investment - net 298,240 311,040

14. Land, building and equipment(Unit: Baht)

Consolidated financial statementsBuilding

Furniture, improvementfixtures and under

Land Building equipment Vehicles construction Total

Cost31 December 2008 2,430,000 6,770,000 83,397,826 35,408,228 - 128,006,054Additions - - 7,518,896 7,741,636 2,944,941 18,205,473

Transferred in - - 21,702 1,375,254 - 1,396,956Transferred out - - (1,982,184) - - (1,982,184)Disposals and write off - - (4,076,762) (5,325,954) - (9,402,716)

31 December 2009 2,430,000 6,770,000 84,879,478 39,199,164 2,944,941 136,223,583Accumulated depreciation31 December 2008 - 4,761,570 66,850,140 24,790,236 - 96,401,946

Depreciation for the year - 338,500 6,779,187 5,309,525 - 12,427,212Depreciation on transferred out - - (1,982,167) - - (1,982,167)Depreciation on disposals and

write off - - (4,053,250) (5,245,055) - (9,298,305)31 December 2009 - 5,100,070 67,593,910 24,854,706 - 97,548,686Net book value

31 December 2008 2,430,000 2,008,430 16,547,686 10,617,992 - 31,604,10831 December 2009 2,430,000 1,669,930 17,285,568 14,344,458 2,944,941 38,674,897Depreciation for the year

2008 12,941,3642009 12,427,212



Building

Furniture, improvementfixtures and under

Land Building equipment Vehicles construction Total

Cost31 December 2008 2,430,000 6,770,000 63,593,949 21,863,587 - 94,657,536Additions - - 7,238,639 7,712,000 2,944,941 17,895,580

Transferred in - - - 1,375,255 - 1,375,255Disposals and write off - - (2,612,420) (1,874,302) - (4,486,722)31 December 2009 2,430,000 6,770,000 68,220,168 29,076,540 2,944,941 109,441,649

Accumulated depreciation31 December 2008 - 4,761,570 49,899,515 16,326,380 - 70,987,465Depreciation for the year - 338,500 5,655,984 3,106,865 - 9,101,349

Depreciation on disposals andwrite off - - (2,609,480) (1,849,326) - (4,458,806)

31 December 2009 - 5,100,070 52,946,019 17,583,919 - 75,630,008

Net book value31 December 2008 2,430,000 2,008,430 13,694,434 5,537,207 - 23,670,07131 December 2009 2,430,000 1,669,930 15,274,149 11,492,621 2,944,941 33,811,641

Depreciation for the year2008 9,569,0202009 9,101,349

As at 31 December 2009 and 2008, certain equipment and vehicle items of the Company and the subsidiaryhave been fully depreciated but are still in use. The original cost of those assets amounted to approximately Baht

55.98 million and Baht 58.69 million, respectively (Separate financial statements: Baht 44.98 million and Baht 41.77million, respectively).


15. Intangible assets(Unit: Baht)


Software Softwareunder under

Software installation Total Software installation Total

Cost31 December 2008 17,100,289 3,542,689 20,642,978 16,168,289 - 16,168,289Additions 5,577,216 - 5,577,216 5,577,216 - 5,577,216

Transferred in 1,982,184 - 1,982,184 - - -31 December 2009 24,659,689 3,542,689 28,202,378 21,745,505 - 21,745,505Accumulated amortisation

31 December 2008 833,530 - 833,530 638,958 - 638,958Amortisation for the year 1,901,799 - 1,901,799 1,808,598 - 1,808,598Transferred in 1,982,167 - 1,982,167 - - -

31 December 2009 4,717,496 - 4,717,496 2,447,556 - 2,447,556Net book value31 December 2008 16,266,759 3,542,689 19,809,448 15,529,331 - 15,529,331

31 December 2009 19,942,193 3,542,689 23,484,882 19,297,949 - 19,297,949Amortisation for the year2008 616,258 - 616,258 523,059 - 523,059

2009 1,901,799 - 1,901,799 1,808,598 - 1,808,598

16. Other non-current assetsAs at 31 December 2009 and 2008, the Company and the subsidiary had hire purchase receivables,

financial lease receivables and factoring receivables totaling Baht 139.30 million and Baht 95.72 million,respectively, (Separate financial statements: hire purchase receivables of Baht 43.87 million and Baht 23.83 million,

respectively) for which courts have issued judgements in favor of the Company and the subsidiary, and which theCompany and the subsidiary are in the process of pursuing collection. The balance of such receivables is recordedin other non-current assets in the balance sheets and full allowance has been provided for the balance of the

Company without taking collateral values into account and full allowance has been provided for the balance of thesubsidiary after consideration to collateral values.

In addition, these also included a receivable from financial guarantee whereby the subsidiary paid debt onbehalf of a receivable amounting to Baht 22.49 million. The subsidiary has recorded full allowance for doubtful debt

for such balance.


17. Bank overdrafts and short-term loans from banksAs at 31 December 2009 and 2008, bank overdrafts and short-term loans from banks are presented as

follows:


2009 2008 2009 2008

Bank overdrafts 60,518,242 31,655,993 51,830,137 29,566,928Short-term loans from banks 3,100,970,871 5,530,942,890 2,490,000,000 4,230,000,000Total 3,161,489,113 5,562,598,883 2,541,830,137 4,259,566,928

Short-term loans from banks are denominated in Baht and carry interest at the floating and fixed rates withreference to the market rates.

As at 31 December 2009 and 2008, loans of the Company and the subsidiary obtained from Bangkok Bank

Public Company Limited are clean loans, while other loans are secured by the assignment of collection rightsover hire purchase receivables of the Company, as discussed in Note 6.5, and guaranteed by Financial OneCorporation.

18. Other short-term loansAs at 31 December 2009 and 2008, other short-term loans consisted of bill of exchange and promissory

notes which the Company issued to companies and individuals. They are unsecured and carry interest at the fixedrates with reference to the market rates.

19. Long-term loans from banksLong-term loans from banks as following consist of long-term loans obtained from local banks and

denominated in Baht.

a) The Baht 800 million long-term loan is to be repaid in full in June 2012, and is subject to interest at a ratebased on MLR.

b) The Baht 500 million long-term loan is to be repaid in full in October 2012, and is subject to interest at a

rate based on MLR.c) The Baht 1,000 million long-term loans are to be repaid in full in August 2011 and September 2011

amounting Baht 850 million and Baht 150 million, respectively, and are subject to interest at a rate based

on MLR.d) The Baht 500 million long-term loans are to be repaid in full in June 2011, and are subject to interest at a

fixed rate.

e) The Baht 1,000 million long-term loans are to be repaid in full in March 2010 and May 2010 amounting toBaht 500 million and Baht 500 million, respectively, and are subject to interest at a rate based on THBFIX.

These long-term loans are secured by the assignment of collection rights over hire purchasereceivables of the Company, as discussed in Note 6.5. The loan agreements contain certain covenants and

restrictions, pertaining to matters such as maintenance of the shareholding of the major shareholders, debtsto equity ratio and restrictions on dividend payment.


As at 31 December 2009, the Company had outstanding balance of interest rate swap agreementsthat it had entered into in order to hedge the interest rate risk associated with loans amounting to Baht 1,000million, as detailed in Note 30.1.

20. Short-term provisions for financial guarantees(Unit: Baht)

Consolidated financialstatements

Balance as at 31 December 2008 22,000,000

Increase during the year 1,616,860Foreign exchange adjustment 587,156Reversal during the year (1,714,150)

Transfer to allowance for doubtful account - receivable from financial guarantee (22,489,866)Balance as at 31 December 2009 -

During the current year, the subsidiary paid debts under a financial guarantee amounting to Baht 22.49million. Therefore such balance was transferred from provisions for financial guarantees to allowance for doubtfulaccounts - receivable from financial guarantee (Note 16).

21. Related party transactionsDuring the years, the Company and the subsidiary had significant business transactions with related parties.

Such transactions, which are summarised below, arose in the ordinary course of business and were concluded oncommercial terms and bases agreed upon between the Company and those related parties.

(Unit: Million Baht)

Consolidated financial Separate financialstatements statements Pricing policy

2009 2008 2009 2008

Subsidiary

Management fee income - - 10.08 15.26 Cost plus margin of 10 percent

Guarantee fee income - - 1.00 1.00 0.50 percent per annum

Interest income - - 1.09 - Close to interest rates of other loans

with similar conditions

Interest expenses - - 3.21 4.47 Close to interest rates of other loans

with similar conditions


(Unit: Million Baht)Consolidated financial Separate financial

statements statements Pricing policy

2009 2008 2009 2008Related persons and companies

Rental and service fee Close to rental rates of other buildings

in the same area

Sathorn City Tower Property Fund 14.26 14.30 10.91 11.15

Bangkok Garden Property Fund 0.60 0.60 0.60 0.60

14.86 14.90 11.51 11.75

Insurance premium Close to general insurance premium

Bangkok Insurance Public Company

Limited 1.06 1.14 0.76 0.88

Interest expenses Close to interest rates of other loans with

similar conditions

Bangkok Bank Public Company

Limited 162.66 203.66 112.85 135.78

Bangkok Insurance Public Company

Limited 1.13 1.71 - -

163.79 205.37 112.85 135.78

Fee of Standby Letter of Credit Close to guarantee fee for other loans with

and guarantee fee similar conditions

China Trust Commercial Bank - 0.02 - 0.01

Bangkok Bank Public Company

Limited 0.92 0.91 - -

0.92 0.93 - 0.01

Major shareholder

Guarantee fee - 3.89 - 2.97 1 percent per annum

Ultimate parent company

Guarantee fee 4.93 0.16 4.02 0.16 1 percent per annum

The relationships between the Company and its related parties are summarised below:

Name of related parties Relationship with the Company

Financial One Corporation Ultimate parent company

Chailease Finance Company Limited The Companyûs major shareholder

Bangkok Grand Pacific Lease Public Company Limited Subsidiary

Bangkok Bank Public Company Limited The Companyûs shareholder

Bangkok Insurance Public Company Limited The Companyûs shareholder

Mr. Jeffrey Koo Founder of Koo family business group

Sathorn City Tower Property Fund Related party of the Companyûs shareholder

Bangkok Garden Property Fund Related party of the Companyûs shareholder

China Trust Commercial Bank Related company with the Companyûs major shareholder


As at 31 December 2009 and 2008, the Company and the subsidiary had outstanding balances of significantassets and liabilities with the related parties as follows:

(Unit: Baht)

Consolidated financial Separate financialstatements statements

2009 2008 2009 2008

Cash and cash equivalentsBangkok Bank Public Company Limited 231,464,234 53,318,073 150,725,535 19,946,320Prepaid fee expenses

Bangkok Bank Public Company Limited 235,479 253,973 - -Prepaid insurance premiumBangkok Insurance Public Company Limited 304,844 292,117 93,220 61,567

Bank overdrafts and short-term loansfrom banks

Bangkok Bank Public Company Limited 180,518,242 2,511,655,993 121,830,137 1,439,566,928

Short-term loans from a related partyBangkok Insurance Public Company Limited 60,000,000 60,000,000 - -Amount due to related parties

Bangkok Bank Public Company Limited 481,033 17,008,926 294,219 7,410,036Chailease Finance Company Limited - 3,890,716 - 2,967,402Financial One Corporation 4,932,966 156,367 4,018,443 156,367

Total 5,413,999 21,056,009 4,312,662 10,533,805

As at 31 December 2009 and 2008 bank overdraft and short-term loans from related parties are unsecured,

denominated in Baht and carry interest at the fixed rates with reference to the market rates.

Long-term loans from a related party are as follows:(Unit: Baht)

Consolidated financial Separate financial

statements statements2009 2008 2009 2008

Long-term loans from related parties

Bangkok Bank Public Company Limited 2,300,000,000 2,000,000,000 1,500,000,000 1,500,000,000Total 2,300,000,000 2,000,000,000 1,500,000,000 1,500,000,000Less: Current portion of long-term loans (2,000,000,000) - (1,500,000,000) -

Net 300,000,000 2,000,000,000 - 1,500,000,000


Long-term loans from a related party are unsecured and denominated in Baht which have the following details:a) A loan of Baht 400 million is to be repaid in full within August 2010, and carries interest at a floating rate,

to be paid every month-end (Separate financial statements: Baht 200 million).

b) A loan of Baht 1,600 million is to be repaid in full within August 2010, and carries interest at a fixed rate withreference to the market rate, to be paid every month-end (separate financial statements: Baht 1,300 million).

c) A loan of Baht 150 million is to be repaid in full within August 2012, and carries interest at a floating rate,

to be paid every month-end.d) A loan of Baht 150 million is to be repaid in full within September 2012, and carries interest at a floating

rate, to be paid every month-end.

During the year, short-term and long-term loans from related parties have movement as follows:(Unit: Baht)


Short-term loans from a related party

Balance as at 31 December 2008 60,000,000 -Increase during the year 290,000,000 780,000,000Decrease during the year (290,000,000) (780,000,000)

Balance as at 31 December 2009 60,000,000 -Short-term loans from a related bankBalance as at 31 December 2008 2,480,000,000 1,410,000,000

Increase during the year 2,305,000,000 1,070,000,000Decrease during the year (4,665,000,000) (2,410,000,000)Balance as at 31 December 2009 120,000,000 70,000,000

Long-term loans from a related partyBalance as at 31 December 2008 2,000,000,000 1,500,000,000Increase during the year 300,000,000 -

Balance as at 31 December 2009 2,300,000,000 1,500,000,000

During the year, movements in the balances of short-term loans to the subsidiary are as follows:

(Unit: Thousand Baht)Separate financial

statements

Balance as at 31 December 2008 -Increase during the year 290,000,000Decrease during the year (290,000,000)

Balance as at 31 December 2009 -

Commitments and guarantees to related parties

As at 31 December 2009 and 2008, the Company had provided guarantees of short-term loans to thesubsidiary totaling Baht 200 million.


22. Cash and cash equivalentsAs at 31 December 2009 and 2008, cash and cash equivalents in cash flow statements consisted of:

(Unit: Baht)


2009 2008 2009 2008

Cash and deposits at banks 237,170,865 61,100,218 156,051,981 27,008,382Less: Bank overdrafts (60,518,242) (31,655,992) (51,830,137) (29,566,928)Cash and cash equivalents 176,652,623 29,444,226 104,221,844 (2,558,546)

23. Statutory reservePursuant to section 116 of the Public Limited Companies Act B.E. 2535, the Company and its subsidiary are

required to set aside a statutory reserve at least 5 percent of their net profit after deducting accumulated deficitbrought forward (if any), until the reserve reaches 10 percent of the registered capital. The statutory reserve is notavailable for dividend distribution.

24. Expenses by natureSignificant expenses by nature are as follow:

(Unit: Baht)Consolidated financial Separate financial

statements statements

2009 2008 2009 2008Salary, wages and other employee benefits 239,322,592 235,589,459 191,153,336 189,249,305Depreciation 12,427,212 12,941,364 9,101,349 9,569,020

Amortisation expenses 1,901,799 616,258 1,808,598 523,059Rental expenses 22,448,955 20,999,206 17,870,705 16,661,761

25. Basic earnings per shareBasic earnings per share are calculated by dividing the net profit for the year by the weighted average

number of ordinary shares in issue during the year.

26. Segment informationThe majority of the operations of the Company and the subsidiary involve mainly the hire purchase,

financial lease, operating lease and factoring businesses, and are carried on in a single geographic area, Thailand.As a result, all revenues, operating profits and assets as reflected in these financial statements pertain to theaforementioned industry and geographic area.


27. Provident fundThe Company, the subsidiary and employees have jointly established a provident fund in accordance with

the Provident Fund Act B.E. 2530. Both employees, the Company and the subsidiary contributed to the fund

monthly at the rate of 5 percent of basic salary. The fund, which is managed by Finansa Assets ManagementLimited, will be paid to employees upon termination in accordance with the fund rules. During the years 2009 and2008, the Company and subsidiary contributed Baht 5.11 million and Baht 5.09 million, respectively (Separate

financial statements: Baht 4.13 million and Baht 4.31 million, respectively) to the fund.

28. Dividend paidDividends declared in 2009 and 2008 consist of the followings:

(Unit: Baht)Total Dividend

Dividends Approved by dividends per shareFinal dividends for 2007 Annual General Meeting of the 115,000,000 0.50

shareholders on 25 April 2008

Final dividends for 2008 Annual General Meeting of the 124,200,000 0.54shareholders on 28 April 2009

29. CommitmentsAs at 31 December 2009, the subsidiary has obligations as the guarantor of factoring receivables of

companies amounting to JPY 6.27 million and USD 0.51 million, or Baht 19.23 million (2008: JPY 101 million

and USD 1.24 million, or Baht 82.64 million).

30. Financial instruments

30.1 Financial risk managementThe Company and the subsidiaryûs financial instruments, as defined under Thai Accounting Standard

No. 32 çFinancial Instruments: Disclosure and Presentationsé, principally comprise cash and cashequivalents, account and loan receivables, investments, and short-term and long-term loans. The financial

risks associated with these financial instruments and how they are managed is described below.

Credit riskThe Company and the subsidiary are exposed to credit risk primarily with respect to account and

loan receivables. The Company and the subsidiary manage the risk by adopting appropriate credit controlpolicies and procedures. In addition, they do not have high concentrations of credit risk since they have a

large customer base diversified across many industries. Therefore the Company and the subsidiary do notexpect to incur material financial losses in excess of the allowances for doubtful accounts they have alreadyprovided.


Interest rate riskThe Company and the subsidiaryûs exposure to interest rate risk relates primarily to their cash at

banks, account and loan receivables, bank overdrafts and loans.

Significant financial assets and liabilities as at 31 December 2009 and 2008 classified by type of

interest rates are summarised in the table below, with those financial assets and liabilities that carry fixedinterest rates further classified based on the maturity date, or the repricing date if this occurs before thematurity date.

(Unit: Million Baht)Consolidated financial statements

2009

Fixed interest rates

Within More than Floating Non-interest

1 year 1-5 years 5 years interest rate bearing Total

Financial assets

- Cash and cash equivalents - - - 215.96 21.21 237.17

- Hire purchase receivables 4,201.00 6,693.08 41.77 - - 10,935.85

- Financial lease receivables 324.82 317.56 - - - 642.38

- Factoring receivables - - - 658.94 - 658.94

- Loan receivables 25.60 4.22 - - - 29.82

4,551.42 7,014.86 41.77 874.90 21.21 12,504.16

Financial liabilities

- Bank overdrafts and

short-term loans from banks 3,100.97 - - 60.52 - 3,161.49

- Short-term loans from a

related party 60.00 - - - - 60.00

- Other short-term loans 1,210.00 - - - - 1,210.00

- Long-term loans from a

related party 1,600.00 - - 700.00 - 2,300.00

- Long-term loans from banks 500.00 - - 3,300.00 - 3,800.00

6,470.97 - - 4,060.52 - 10,531.49


(Unit: Million Baht)Consolidated financial statements

2008

Fixed interest rates

Within More than Floating Non-interest

1 year 1-5 years 5 years interest rate bearing Total

Financial assets

- Cash and cash equivalents - - - 46.42 14.68 61.10

- Hire purchase receivables 4,013.51 6,182.22 41.16 - - 10,236.89

- Financial lease receivables 364.53 374.24 - - - 738.77

- Factoring receivables 4.54 5.94 - 804.85 - 815.33

- Loan receivables 23.62 - 5.47 - - 29.09

4,406.20 6,562.40 46.63 851.27 14.68 11,881.18

Financial liabilities

- Bank overdrafts and short-term

loans from banks 5,530.94 - - 31.66 - 5,562.60

- Short-term loans from a

related party 60.00 - - - - 60.00

- Other short-term loans 10.00 - - - - 10.00

- Long-term loans from a

related party - 1,600.00 - 400.00 - 2,000.00

- Long-term loans from banks - 500.00 - 1,800.00 - 2,300.00

5,600.94 2,100.00 - 2,231.66 - 9,932.60

As at 31 December 2009 and 2008, the Company had entered into interest rate swap agreementsas follow:

Net fair value

Notional Interest Interest payment favorable (unfavorable) Change in

Contract date Due date amount receipt rate rate 2009 2008 fair value

(Million Baht) (Percent) (Percent) (Million Baht) (Million Baht) (Million Baht)

14 January 2008 19 March 2010 500 Floating rate Fixed rate (4.55) (14.82) 10.27

15 January 2008 11 May 2010 500 Floating rate Fixed rate (7.45) (16.08) 8.63

Fair value represented gain (loss) from mark to market as at the balance sheet date.

Liquidity riskLiquidity risk arises in the general funding of the Company and the subsidiaryûs activities and in the

management of positions. It includes both the risk of being unable to fund assets at appropriate maturitiesand rates and the risk of being unable to liquidate an asset at a reasonable price and in an appropriate

time frame.


The Company and the subsidiary have access to a diverse funding base, with funds being raisedusing a broad range of instruments including capital and loans. This enhances funding flexibility, limitsdependence on any one source of funds and generally lowers the costs of funds. The Company and the

subsidiary strive to maintain a balance between continuity of funding and flexibility through the use ofliabilities with a range of maturities. The Company and the subsidiary continually assess liquidity risk byidentifying and monitoring changes in funding required to meet business goals and targets set in terms of

the Company and the subsidiaryûs overall strategy.

In addition, the Company and the subsidiary held a portfolio of liquid assets as part of their liquidityrisk management strategy.

Foreign currency riskThe subsidiaryûs exposure to foreign currency risk relates primarily to its financial guarantees as

stated in Note 29.

30.2 Fair valuesMethodology of fair value measurement depends upon characteristics of the financial instruments.

For the financial instruments which are traded in an active market, fair value is determined based on thelatest quoted market price. If, however, the appropriate quoted market price cannot be determined, the fairvalue is determined using an appropriate valuation technique such as discounted cash flow.

Since the majority of financial assets and financial liabilities are short-term in nature, and the interest

rates of loan receivables and loan payables are approximate the market rate, the fair values of financialassets and financial liabilities are close to the carrying value presented in the balance sheet.

30.3 Capital managementThe primary objective of the Groupûs capital management is to ensure that it has an appropriate

financial structure and preserves the ability to continue its business as a going concern.

According to the balance sheet as at 31 December 2009, the Groupûs debt-to-equity ratio was 6.0:1

(2008: 5.9:1) and the Companyûs was 5.3:1 (2008: 4.9:1).


31. ReclassificationCertain amounts in the financial statements for the year ended 31 December 2008 have been reclassified

to conform to the current yearûs classification but with no effect to previously reported net profit or shareholdersû

equity. The reclassifications are as follow:(Unit: Baht)

Consolidated financial Separate financial

statements statementsAs previously As previously

As reclassified reported As reclassified reported

Other income 63,521,286 63,056,233 47,490,873 47,025,820Administrative expenses 251,982,885 299,238,818 197,394,897 236,344,412Selling expenses 67,879,761 57,853,155 53,180,187 44,950,791

Management remuneration 37,229,327 - 30,720,119 -Bad debts and doubtful accounts 70,632,800 70,167,747 55,762,720 55,297,667

32. Approval of financial statementsThese financial statements were authorised for issue by the Companyûs Board of Directors on 29 January

2010.

Documents

Asia Sermkij Leasing : Annual Report 2009