asia sermkij leasing : annual report 2005

ANNUAL

REPORT

2005

∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)Asia Sermkij Leasing Public Company Limited

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CONTENT

Message from the Board of Directors 71

Audit Committeeûs Report 73

General Information 74

Financial Highlights 75

Nature of Business 77

Risk Factors 81

Shareholding and Management Structure 83

Connected Transactions 101

Management Discussion and Analysis 106

Financial Statements 110


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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√‘¡≥±≈‡ªìπ à«π„À≠à √Õß≈ß¡“‡ªìπ°≈ÿà¡≈Ÿ°§â“∑’ËÕ¬Ÿà„π‡¢µ¿“§°≈“ß ¿“§µ–«—πÕÕ° ·≈–¿“§‡Àπ◊Õ ªí®®ÿ∫—π ∫√‘…—∑‡ªìπ ¡“™‘°¢Õß ¡“§¡∏ÿ√°‘®‡™à“´◊ÈÕ‰∑¬´÷Ëß∫√‘…—∑‡ªìπºŸâ√à«¡°àÕµ—Èß ¡“§¡œ ·≈–¡’ºŸâ∫√‘À“√¢Õß∫√‘…—∑√“¬Àπ÷Ëß‡ªìπ°√√¡°“√ πÕ°®“°π’È ∫√‘…—∑¬—ß‡ªìπ ¡“™‘°¢Õß∫√‘…—∑ ¢âÕ¡Ÿ≈‡§√¥‘µ·Ààß™“µ‘ ®”°—¥ (National Credit Bureau Co.,Ltd.) ÷Ëß¡’∞“π¢âÕ¡Ÿ≈¢ÕßºŸâ„™â∫√‘°“√∑“ß°“√‡ß‘π°«à“48 ≈â“π∫—≠™’

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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·µà ªï 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‚¥¬·µà‡¥‘¡‡πâπ°“√„Àâ∫√‘°“√ª√–‡¿∑ —≠≠“‡™à“°“√‡ß‘π ·µà„πªï 2548 ∫√‘…—∑¬àÕ¬À—π¡“¡ÿàß‡πâπ°“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ‡™à“´◊ÈÕ∑¥‡∑π ºŸâª√–°Õ∫°“√∑’Ë∫√‘…—∑¬àÕ¬„Àâ∫√‘°“√ à«π„À≠àµ—ÈßÕ¬Ÿà„π·∂∫°√ÿß‡∑æ¡À“π§√·≈–ª√‘¡≥±≈ ‚¥¬∫√‘…—∑¬àÕ¬‡πâπ„Àâ∫√‘°“√·°à°≈ÿà¡Õÿµ “À°√√¡¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡∑’Ë¡’»—°¬¿“æ„π°“√∑”°”‰√·≈–°“√‡µ‘∫‚µ ‡™àπÕÿµ “À°√√¡¬“π¬πµå·≈–™‘Èπ à«π√∂¬πµå Õÿµ “À°√√¡‡§√◊ËÕß¡◊Õ·≈–‡§√◊ËÕß®—°√ Õÿµ “À°√√¡‡§¡’¿—≥±å·≈–æ≈“ µ‘°Õÿµ “À°√√¡ ◊ËÕ·≈– ‘Ëßæ‘¡æå ·≈–Õÿµ “À°√√¡Õ‘‡≈Á°∑√Õπ‘° å ‡ªìπµâπ ∑√—æ¬å ‘π∑’Ë„Àâ‡™à“´◊ÈÕ·≈–‡™à“µ“¡ —≠≠“≈’ ´‘Ëß§◊Õ‡§√◊ËÕß®—°√ Õÿª°√≥å ¬“πæ“Àπ– ∑—Èß∑’Ë‡ªìπ‡§√◊ËÕß®—°√„À¡à ‡§√◊ËÕß®—°√„™â·≈â« ‚¥¬‡©æ“–‡§√◊ËÕß®—°√∑’Ë°“√‡ª≈’Ë¬π·ª≈ß∑“ß‡∑§‚π‚≈¬’‰¡à√«¥‡√Á« ¡’§«“¡§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√°‘®„πÕÿµ “À°√√¡∑’Ë¡’·π«‚πâ¡°“√‡µ‘∫‚µ¥’ ¡’º≈ª√–°Õ∫°“√¥’ ¡’∞“π–°“√‡ß‘π∑’Ë¡’§«“¡¡—Ëπ§ß ·≈–¡’§«“¡ “¡“√∂„π°“√ºàÕπ™”√–Àπ’È‰¥âµ“¡°”Àπ¥ °≈ÿà¡≈Ÿ°§â“‡ªÑ“À¡“¬¢Õß∫√‘…—∑¬àÕ¬ ”À√—∫∫√‘°“√ª√–‡¿∑π’È ‰¥â·°à ºŸâª√–°Õ∫°“√„πÕÿµ “À°√√¡Õ‘‡≈Á°∑√Õπ‘° å Õÿµ “À°√√¡‡§¡’¿—≥±å·≈–æ≈“ µ‘° Õÿµ “À°√√¡∫√‘°“√ ·≈–Õÿµ “À°√√¡ ◊ËÕ·≈– ‘Ëßæ‘¡æå ‡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“

∫√‘…—∑¬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“¢Õß

ºŸâπ”‡¢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 InternationalÀ√◊Õ FCI)

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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√∂¬πµå °“√µàÕ¿“…’ ·≈–°“√„Àâ∫√‘°“√¥â“πª√–°—π¿—¬ ‡ªìπµâπ ‡æ◊ËÕ„Àâ∫√‘°“√Õ¬à“ß§√∫«ß®√

‚§√ß √â“ß√“¬‰¥â¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬

„π√–À«à“ßªï 2546 ∂÷ß ªï 2548 “¡“√∂®”·π°‚§√ß √â“ß√“¬‰¥â¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬µ“¡ª√–‡¿∑°“√¥”‡π‘π∏ÿ√°‘®‰¥â¥—ßπ’È

ª√–‡¿∑∏ÿ√°‘® ¥”‡π‘π°“√‚¥¬ ªï 2546 1 ªï 2547 1 ªï 2548 1

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

(≈â“π∫“∑) (≈â“π∫“∑) (≈â“π∫“∑)

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‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ”À√—∫ªï 2547 ·≈– ªï 25482 √“¬‰¥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®“°°“√

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1. ∏ÿ√°‘®‡™à“´◊ÈÕ√∂¬πµå

„πªï 2548 °“√·¢àß¢—π„π∏ÿ√°‘® ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πµå ”À√—∫°≈ÿà¡≈Ÿ°§â“∫ÿ§§≈∏√√¡¥“¡’§«“¡√ÿπ·√ß¡“°¢÷Èπ ‚¥¬‡°‘¥®“°ªí®®—¬À≈—° §◊Õ °“√ª√—∫µ—«¢÷Èπ¢Õß√“§“πÈ”¡—π·≈–Õ—µ√“¥Õ°‡∫’È¬ ºŸâª√–°Õ∫∏ÿ√°‘®‡™à“´◊ÈÕ√∂¬πµå®÷ß®—¥°‘®°√√¡ àß‡ √‘¡°“√¢“¬µà“ßÊ‡æ◊ËÕ°√–µÿâπ°“√„™â ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πµå πÕ°®“°π’È °“√∑’Ë∏π“§“√·Ààßª√–‡∑»‰∑¬°”Àπ¥·ºπæ—≤π“√–∫∫ ∂“∫—π°“√‡ß‘π·≈–Õπÿ≠“µ„Àâ∏π“§“√æ“≥‘™¬å “¡“√∂„Àâ∫√‘°“√„π∏ÿ√°‘®‡™à“´◊ÈÕ‰¥â ∑”„Àâ àßº≈°√–∑∫„π¥â“π°“√°”Àπ¥√“§“·≈–°“√„Àâ∫√‘°“√ ‡π◊ËÕß®“° ∂“∫—π°“√‡ß‘π¡’µâπ∑ÿπ∑“ß°“√‡ß‘π∑’ËµË”°«à“ ¡’‡§√◊Õ¢à“¬§√Õ∫§≈ÿ¡æ◊Èπ∑’Ë¡“°°«à“ ∂◊Õ‰¥â«à“‡ªìπ§Ÿà·¢àß¢—π√“¬„À¡à∑’Ë∑”„Àâ°“√·¢àß¢—π„π∏ÿ√°‘®°“√‡™à“´◊ÈÕ√∂¬πµå¡’§«“¡√ÿπ·√ß¡“°¢÷Èπ

12

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

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3. ∏ÿ√°‘®·ø§µÕ√‘Ëß

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13

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1. ªØ‘∫—µ‘Àπâ“∑’Ë‚¥¬∑—Ë«‰ª„ππ“¡¢Õß∫√‘…—∑ ·≈–‡æ◊ËÕº≈ª√–‚¬™πå¢Õß∫√‘…—∑·≈–∫√‘…—∑„π‡§√◊Õ„π°“√ª√–°Õ∫∏ÿ√°‘®

2. ¡’Õ”π“®„π°“√®—¥°“√·≈–∫√‘À“√°‘®°“√¢Õß∫√‘…—∑ µ“¡«—µ∂ÿª√– ß§å ¢âÕ∫—ß§—∫ ¡µ‘∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ ·≈–/À√◊Õ ¡µ‘∑’Ëª√–™ÿ¡§≥–°√√¡°“√¢Õß∫√‘…—∑∑ÿ°ª√–°“√

3. ¡’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) ·≈–π”‡ πÕ§≥–°√√¡°“√∫√‘…—∑À“°‡°‘π°«à“Õ”π“® ·≈–/À√◊Õ «ß‡ß‘π∑’Ë‰¥â√—∫Õπÿ¡—µ‘‰«â ”À√—∫π‚¬∫“¬À√◊Õ°“√∫√‘À“√ß“π∫ÿ§§≈ ´÷Ëß§√Õ∫§≈ÿ¡°“√«à“®â“ß °”Àπ¥Õ—µ√“§à“®â“ß °“√‚Õπ ‚¬°¬â“¬ °“√‡≈◊ËÕπµ”·Àπàß °“√æâπ®“°°“√‡ªìπæπ—°ß“π °“√„Àâ√“ß«—≈ º≈µÕ∫·∑π °“√¢÷Èπ‡ß‘π‡¥◊Õπª√–®”ªï¢Õß∫√‘…—∑ µ≈Õ¥®π°“√∫√‘À“√ß“π∫ÿ§§≈ “¡“√∂Õπÿ¡—µ‘‰¥âµ“¡∑’Ë‰¥â√—∫¡Õ∫À¡“¬®“°§≥–°√√¡°“√∫√‘…—∑

4. „Àâ¡’ÕÌ“π“®„π°“√¡Õ∫ÕÌ“π“®™à«ß„Àâ°—∫°√√¡°“√§πÀπ÷Ëß§π„¥À√◊ÕÀ≈“¬§π„π§≥–°√√¡°“√∫√‘À“√À√◊Õ∫ÿ§§≈Õ◊Ëπ„¥„π°“√ªØ‘∫—µ‘°“√Õ¬à“ßÀπ÷ËßÕ¬à“ß„¥ ‚¥¬Õ¬Ÿà¿“¬„µâ°“√§«∫§ÿ¡¢Õß§≥–°√√¡°“√∫√‘À“√ À√◊Õµ“¡∑’Ë§≥–°√√¡°“√∫√‘À“√‡ÀÁπ ¡§«√·≈–¿“¬„π√–¬–‡«≈“∑’Ë§≥–°√√¡°“√∫√‘À“√°”Àπ¥ ´÷Ëß§≥–°√√¡°“√∫√‘À“√Õ“®¬°‡≈‘°‡æ‘°∂Õπ‡ª≈’Ë¬π·ª≈ß À√◊Õ·°â‰¢Õ”π“®∑’Ë‰¥â„Àâ‰«â°—∫∫ÿ§§≈∑’Ë‰¥â√—∫¡Õ∫ÕÌ“π“®™à«ßπ—ÈπÊ ‰¥âµ“¡∑’Ë‡ÀÁπ ¡§«√

5. ªØ‘∫—µ‘Àπâ“∑’ËÕ◊ËπÊ µ“¡∑’Ë‰¥â√—∫¡Õ∫À¡“¬®“°§≥–°√√¡°“√∫√‘…—∑ ∑—Èßπ’È °“√¡Õ∫Õ”π“®¥—ß°≈à“«¢â“ßµâπ„Àâ·°à§≥–°√√¡°“√∫√‘À“√π—Èπ µâÕßÕ¬Ÿà¿“¬„µâÀ≈—°‡°≥±å¢Õß°ÆÀ¡“¬·≈–°Æ√–‡∫’¬∫¢âÕ∫—ß§—∫¢Õß∫√‘…—∑µ≈Õ¥®π°ÆÀ¡“¬∑’Ë‡°’Ë¬«¢âÕß ·≈–°”Àπ¥„Àâ√“¬°“√∑’Ë°√√¡°“√∫√‘À“√À√◊Õ∫ÿ§§≈∑’ËÕ“®¡’§«“¡¢—¥·¬âß ¡’ à«π‰¥â‡ ’¬ À√◊ÕÕ“®¡’§«“¡¢—¥·¬âß∑“ßº≈ª√–‚¬™πåÕ◊Ëπ„¥°—∫∫√‘…—∑ À√◊Õ∫√‘…—∑¬àÕ¬∑’Ë¡‘„™à√“¬°“√∏ÿ√°‘®ª°µ‘À√◊Õ‡ªìπ‰ªµ“¡‡ß◊ËÕπ‰¢°“√§â“ „Àâ°√√¡°“√∫√‘À“√ ÷Ëß¡’ à«π‰¥â‡ ’¬„π‡√◊ËÕß„¥‰¡à¡’ ‘∑∏‘Õπÿ¡—µ‘°“√∑”√“¬°“√π—Èπ·≈–„Àâ√“¬ß“π§≥–°√√¡°“√∫√‘…—∑‡æ◊ËÕ∑√“∫µàÕ‰ª ‡æ◊ËÕ„Àâ Õ¥§≈âÕß°—∫√–‡∫’¬∫·≈–¢âÕ°”Àπ¥¢Õßµ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬

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4. æ‘®“√≥“§—¥‡≈◊Õ°·≈–‡ πÕ·µàßµ—ÈßºŸâ Õ∫∫—≠™’¢Õß∫√‘…—∑ √«¡∂÷ßæ‘®“√≥“‡ πÕ§à“µÕ∫·∑π¢ÕßºŸâ Õ∫∫—≠™’‚¥¬§”π÷ß∂÷ß§«“¡πà“‡™◊ËÕ∂◊Õ §«“¡‡æ’¬ßæÕ¢Õß∑√—æ¬“°√·≈–ª√‘¡“≥ß“πµ√«® Õ∫¢Õß ”π—°ß“πµ√«® Õ∫∫—≠™’π—Èπ √«¡∂÷ßª√– ∫°“√≥å¢Õß∫ÿ§≈“°√∑’Ë‰¥â√—∫¡Õ∫À¡“¬„Àâ∑”°“√µ√«® Õ∫∫—≠™’¢Õß∫√‘…—∑

5. æ‘®“√≥“°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈¢Õß∫√‘…—∑„π°√≥’∑’Ë‡°‘¥√“¬°“√∑’Ë‡°’Ë¬«‚¬ß°—π À√◊Õ√“¬°“√∑’ËÕ“®¡’§«“¡¢—¥·¬âß∑“ßº≈ª√–‚¬™πå„Àâ¡’§«“¡∂Ÿ°µâÕß·≈–§√∫∂â«π

6. ªØ‘∫—µ‘°“√Õ◊Ëπ„¥µ“¡∑’Ë§≥–°√√¡°“√¢Õß∫√‘…—∑¡Õ∫À¡“¬ ·≈–§≥–°√√¡°“√µ√«® Õ∫‡ÀÁπ™Õ∫¥â«¬ ‡™àπ π‚¬∫“¬°“√∫√‘À“√∑“ß°“√‡ß‘π·≈–°“√∫√‘À“√§«“¡‡ ’Ë¬ß ∑∫∑«π°“√ªØ‘∫—µ‘µ“¡®√√¬“∫√√≥∑“ß∏ÿ√°‘®¢ÕßºŸâ∫√‘À“√ ∑∫∑«π√à«¡°—∫ºŸâ∫√‘À“√¢Õß∫√‘…—∑ „Àâ√“¬ß“π ”§—≠Ê ∑’ËµâÕß‡ πÕµàÕ “∏“√≥™πµ“¡∑’Ë°ÆÀ¡“¬°”Àπ¥ ‰¥â·°à ∫∑√“¬ß“π·≈–°“√«‘‡§√“–Àå¢ÕßΩÉ“¬∫√‘À“√‡ªìπµâπ

7. ®—¥∑”√“¬ß“π°‘®°√√¡¢Õß§≥–°√√¡°“√µ√«® Õ∫ ‚¥¬‡ªî¥‡º¬‰«â„π√“¬ß“πª√–®”ªï¢Õß∫√‘…—∑ ÷Ëß√“¬ß“π¥—ß°≈à“«≈ßπ“¡‚¥¬ª√–∏“π°√√¡°“√µ√«® Õ∫

20

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°√√¡°“√∫√‘À“√ / §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ ∫√‘À“√∏ÿ√°‘® University of Santa Clara U.S.A.°√√¡°“√ºŸâ®—¥°“√ À≈—° Ÿµ√°“√Õ∫√¡ À≈—° Ÿµ√ Director Accreditation Program √ÿàπ∑’Ë 22/2547 ®“°

¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬À≈—° Ÿµ√ª√–°“»π’¬∫—µ√°√√¡°“√∫√‘…—∑‰∑¬ Director CertificationProgram √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬

ª√– ∫°“√≥å∑”ß“π2547 - 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)®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2548 ‡∑’¬∫°—∫ªï 2547 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π‡∑à“°—∫ 180,050 Àÿâπ)

21

√“¬ß“πª√–®”ªï 2548

π“¬∂—ß ‰≈à À«—ß 1

°√√¡°“√∫√‘À“√ / §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ ∫√‘À“√∏ÿ√°‘® Chung Yuan University Taiwan, R.O.C√Õß°√√¡°“√ºŸâ®—¥°“√ À≈—° Ÿµ√°“√Õ∫√¡ À≈—° Ÿµ√ Director Accreditation Program √ÿàπ∑’Ë 22/2547 ®“° ¡“§¡

àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬À≈—° Ÿµ√ª√–°“»π’¬∫—µ√°√√¡°“√∫√‘…—∑‰∑¬ Director CertificationProgram √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬

ª√– ∫°“√≥å∑”ß“π2547 - ªí®®ÿ∫—π °√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ‘Ëß ®”°—¥ (¡À“™π)2543 - ªí®®ÿ∫—π °√√¡°“√/ √Õß°√√¡°“√ºŸâ®—¥°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ‘Ëß ®”°—¥ (¡À“™π)2543 - ªí®®ÿ∫—π °√√¡°“√∫√‘À“√/√Õß°√√¡°“√ºŸâ®—¥°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’

®”°—¥ (¡À“™π)®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2548 ‡∑’¬∫°—∫ªï 2547 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π‡∑à“°—∫ 151,580 Àÿâπ)

π“¬‡∑’¬π∑«’ √–µ—πµ‘Ï 2

°√√¡°“√∫√‘À“√ / §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ °“√®—¥°“√ Arthur D. Little Management EducationºŸâ®—¥°“√∑—Ë«‰ª À≈—° Ÿµ√°“√Õ∫√¡ Institute U.S.A.

À≈—° Ÿµ√ Director Accreditation Program √ÿàπ∑’Ë 22/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬À≈—° Ÿµ√ª√–°“»π’¬∫—µ√°√√¡°“√∫√‘…—∑‰∑¬ Director CertificationProgram √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬

ª√– ∫°“√≥å∑”ß“π2547 - 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 °√√¡°“√/ ºŸâ®—¥°“√∑—Ë«‰ª ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ‘Ëß ®”°—¥ (¡À“™π)


π“¬Œ«ß ‡™ß À¡‘ß

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

ª√– ∫°“√≥å∑”ß“π2547 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ‘Ëß ®”°—¥ (¡À“™π)2547 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π)2547 - ªí®®ÿ∫—π Chairman, My-Funding Corporation2547 - ªí®®ÿ∫—π Secretary General / CSO, Chailease Group2538 - 2546 Chairman / CEO, Otto-Chailease Mailorder Co.,Ltd.


À¡“¬‡Àµ 1 ∑’Ëª√–™ÿ¡§≥–°√√¡°“√∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) §√—Èß∑’Ë 2/2549 ‡¡◊ËÕ«—π∑’Ë 22 °ÿ¡¿“æ—π∏å 2549 ¡’¡µ‘√—∫∑√“∫°“√≈“ÕÕ°®“°µ”·Àπàß°√√¡°“√

°√√¡°“√∫√‘À“√ ·≈–√Õß°√√¡°“√ºŸâ®—¥°“√ ¢Õß π“¬∂—ß ‰≈à À«—ß æ√âÕ¡∑—ÈßÕπÿ¡—µ‘°“√·µàßµ—Èß π“¬‡™π ¬‘ß Œÿ¬ ‡¢â“¥”√ßµ”·Àπàß°√√¡°“√ ·≈–µ”·Àπàß°√√¡°“√2 ∑’Ëª√–™ÿ¡§≥–°√√¡°“√∫√‘À“√∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) §√—Èß∑’Ë 3/2549 ‡¡◊ËÕ«—π∑’Ë 22 ¡’π“§¡ 2549 ¡’¡µ‘·µàßµ—Èß π“¬‡∑’¬π∑«’ √–µ—πµ‘Ï ¢÷Èπ¥”√ß

µ”·Àπàß√Õß°√√¡°“√ºŸâ®—¥°“√ ‚¥¬¡’º≈µ—Èß·µà«—π∑’Ë 1 ‡¡…“¬π 2549

22

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π“¬Œ«ß À¡‘ß øŸ

°√√¡°“√ §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“µ√’ ∫√‘À“√∏ÿ√°‘® Soochow University Taiwan R.O.C.ª√– ∫°“√≥å∑”ß“π2545 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ‘Ëß ®”°—¥ (¡À“™π)2545 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π)2537 - ªí®®ÿ∫—π Chairman / President, Grand Pacific Investment &

Development Co.,Ltd.®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2548 ‡∑’¬∫°—∫ªï 2547 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π‡∑à“°—∫ 231,400 Àÿâπ)

π“¬øß ≈Õß ‡™π

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

ª√– ∫°“√≥å∑”ß“π2542 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ‘Ëß ®”°—¥ (¡À“™π)2542 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π)2545 - ªí®®ÿ∫—π President ∫√‘…—∑ ‰™≈’ ‰ø·ππ å ®”°—¥2543 - 2545 President, Chailease Acom Finance Co.,Ltd.


π“¬‡®’¬ À¡‘ß À¬“ß

°√√¡°“√ §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ ∫√‘À“√∏ÿ√°‘® University of Missouri U.S.A.ª√– ∫°“√≥å∑”ß“π2548 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ‘Ëß ®”°—¥ (¡À“™π)2548 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π)2548 - ªí®®ÿ∫—π Chief Financial Officer, Chailease International Finance Corporation2547 - ªí®®ÿ∫—π Vice President, Finance & Administrative Dept., My Funding

Corporation2548 - ªí®®ÿ∫—π Special Assistant to Chairman, Chailease Group2543 - 2546 Manager, Finance & Administrative Dept., My Funding Corporation

®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2548 ‡∑’¬∫°—∫ªï 2547 ‰¡à¡’

π“ßªØ‘¡“ ™«≈‘µ

°√√¡°“√ §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“µ√’ °“√∫—≠™’ ®ÿÃ“≈ß°√≥å¡À“«‘∑¬“≈—¬À≈—° Ÿµ√°“√Õ∫√¡ À≈—° Ÿµ√ª√–°“»π’¬∫—µ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification

Program √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ª√– ∫°“√≥å∑”ß“π2542 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π)2536 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ‘Ëß ®”°—¥ (¡À“™π)2548 - ªí®®ÿ∫—π Senior Vice President ΩÉ“¬ºŸâ®—¥°“√„À≠à ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π)2544 - 2548 °√√¡°“√/ ºŸâ™à«¬°√√¡°“√ºŸâÕ”π«¬°“√ ∫√‘…—∑‡ß‘π∑ÿπ ∫—«À≈«ß ®”°—¥


23

√“¬ß“πª√–®”ªï 2548

π“¬ª√–¥‘…∞ »«— µπ“ππ∑å

ª√–∏“π°√√¡°“√ §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ ∫√‘À“√∏ÿ√°‘® Central State University, Oklahoma U.S.A.µ√«® Õ∫ / À≈—° Ÿµ√°“√Õ∫√¡ À≈—° Ÿµ√ Director Accreditation Program √ÿàπ∑’Ë 19/2547 ®“° ¡“§¡°√√¡°“√Õ‘ √– àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬

À≈—° Ÿµ√ª√–°“»π’¬∫—µ√°√√¡°“√∫√‘…—∑‰∑¬ Directors CertificationProgram √ÿàπ∑’Ë 3/2543 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬À≈—° Ÿµ√ Audit Committee √ÿàπ∑’Ë 3/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬

ª√– ∫°“√≥å∑”ß“π2547 - ªí®®ÿ∫—π ª√–∏“π°√√¡°“√µ√«® Õ∫/°√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”2548 - ªí®®ÿ∫—π ∑’Ëª√÷°…“§≥–°√√¡“∏‘°“√°“√æ—≤π“‡»√…∞°‘® ¿“ºŸâ·∑π√“…Æ√2547 - ªí®®ÿ∫—π °√√¡°“√Õ‘ √– ∫√‘…—∑ ‰∑¬øî≈å¡ Õ‘π¥— ∑√’ ®”°—¥ (¡À“™π)2547 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ »Ÿπ¬å√—∫Ω“°À≈—°∑√—æ¬å (ª√–‡∑»‰∑¬) ®”°—¥2544 - ªí®®ÿ∫—π π—°«‘™“°“√§≥–°√√¡“∏‘°“√°“√‡ß‘π °“√§≈—ß °“√∏π“§“√œ ¿“ºŸâ·∑π√“…Æ√2543 - ªí®®ÿ∫—π °√√¡°“√/°√√¡°“√µ√«® Õ∫ ∫√‘…—∑À≈—°∑√—æ¬å ‡§®’‰Õ ®”°—¥ (¡À“™π)


π“¬Õπ—πµå »«— µπ“ππ∑å

°√√¡°“√ §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ Commerce Course The Institute of Foreign Languages Businessµ√«® Õ∫ / Development & Management Course°√√¡°“√Õ‘ √– À≈—° Ÿµ√°“√Õ∫√¡ À≈—° Ÿµ√ Director Accreditation Program √ÿàπ∑’Ë 38/2548 ®“° ¡“§¡

àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ª√– ∫°“√≥å∑”ß“π2547 - 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.


æ≈µ”√«®‚∑æ‘™‘µ

§«√‡¥™–§ÿªµå §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ »‘≈ª»“ µ√å ¡À“«‘∑¬“≈—¬‡°…µ√»“ µ√å°√√¡°“√µ√«® Õ∫ / À≈—° Ÿµ√°“√Õ∫√¡ À≈—° Ÿµ√ Director Accreditation Program √ÿàπ∑’Ë 19/2547 ®“° ¡“§¡°√√¡°“√Õ‘ √– àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬

À≈—° Ÿµ√ª√–°“»π’¬∫—µ√°√√¡°“√∫√‘…—∑‰∑¬ Director CertificationProgram √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬

ª√– ∫°“√≥å∑”ß“π2547 - ªí®®ÿ∫—π °√√¡°“√µ√«® Õ∫/°√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ‘Ëß ®”°—¥

(¡À“™π)2546 - 2548 ºŸâ™à«¬ºŸâ∫—≠™“°“√µ”√«®·Ààß™“µ‘ (ΩÉ“¬ªÑÕß°—πª√“∫ª√“¡Õ“™≠“°√√¡ 11)2545 - 2546 ºŸâ∫—≠™“°“√µ”√«®¿Ÿ∏√¿“§ 7 ”π—°ß“πµ”√«®·Ààß™“µ‘2543 - 2545 ºŸâ∫—≠™“°“√µ”√«®¿Ÿ∏√¿“§ 1 ”π—°ß“πµ”√«®·Ààß™“µ‘


24

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π“¬¥π—¬ ≈“¿“«‘«—≤πå

À—«Àπâ“‡®â“Àπâ“∑’Ë §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ ∫√‘À“√∏ÿ√°‘® San Diego State University U.S.A.∫—≠™’·≈–°“√‡ß‘π/ À≈—° Ÿµ√°“√Õ∫√¡ À≈—° Ÿµ√ª√–°“»π’¬∫—µ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification‡≈¢“πÿ°√√¡§≥– Program √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬°√√¡°“√

ª√– ∫°“√≥å∑”ß“π2547 - 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)2545 - 2546 ºŸâ®—¥°“√Õ“«ÿ‚ ΩÉ“¬∫—≠™’·≈–°“√‡ß‘π ∫√‘…—∑ ∑ÿπ‡∑Á°´å ªî‚µ√‡§¡’§Õ≈

(ª√–‡∑»‰∑¬) ®”°—¥ (¡À“™π)2543 - 2544 ºŸâÕ”π«¬°“√ΩÉ“¬ ∫√‘…—∑À≈—°∑√—æ¬å Õ‘π‚¥ ÿ‡Õ´ ¥—∫∫≈‘«‰Õ§“√å ®”°—¥/

∏π“§“√‡§√¥‘µ Õ–°√‘‚°≈ Õ‘π‚¥ ÿ‡Õ´®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2548 ‡∑’¬∫°—∫ªï 2547 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π‡∑à“°—∫ 89,080 Àÿâπ)

π“¬»√“¬ÿ∑∏å ™—¬ «— ¥‘Ï

À—«Àπâ“‡®â“Àπâ“∑’Ë §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ «‘∑¬“»“ µ√å ∂“∫—π∫—≥±‘µæ—≤π∫√‘À“√»“ µ√å “√ π‡∑» / À≈—° Ÿµ√°“√Õ∫√¡ À≈—° Ÿµ√ª√–°“»π’¬∫—µ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification√—°…“°“√À—«Àπâ“ Program √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬‡®â“Àπâ“∑’Ë∏ÿ√°“√

ª√– ∫°“√≥å∑”ß“π2547 - 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)2543 - 2545 À—«Àπâ“‡®â“Àπâ“∑’ËªØ‘∫—µ‘°“√ ∫√‘…—∑ ‰Õ´’Õ’ §Õπ´—≈µ‘Èß ®”°—¥


°“√ √√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“√

25

√“¬ß“πª√–®”ªï 2548

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

§à“µÕ∫·∑π∑’Ë‡ªìπµ—«‡ß‘π1. §à“µÕ∫·∑π°√√√¡°“√

„πªï 2548 §à“µÕ∫·∑π°√√¡°“√¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ª√–°Õ∫¥â«¬ §à“‡∫’È¬ª√–™ÿ¡ ÷Ëß‰¥â√—∫Õπÿ¡—µ‘®“°∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ ¥—ßπ’È

™◊ËÕ µ”·Àπàß ∫“∑

¥√. Õ”π«¬ «’√«√√≥ ª√–∏“π°√√¡°“√/ ª√–∏“π°√√¡°“√∫√‘À“√ 100,000π“¬‚≈ ®ÿπ ≈Õß °√√¡°“√∫√‘À“√/ °√√¡°“√ºŸâ®—¥°“√ 100,000π“¬∂—ß ‰≈à À«—ß °√√¡°“√∫√‘À“√/ √Õß°√√¡°“√ºŸâ®—¥°“√ 100,000π“¬‡∑’¬π∑«’ √–µ—πµ‘Ï °√√¡°“√∫√‘À“√/ ºŸâ®—¥°“√∑—Ë«‰ª 100,000π“¬§Ÿ ®ÕÀåπ ≈’ °√√¡°“√ (≈“ÕÕ°) 20,000π“¬‡®’¬ À¡‘ß À¬“ß °√√¡°“√ (‡¢â“„À¡à) 80,000π“¬Œ«ß ‡™ß À¡‘ß °√√¡°“√ 100,000π“¬Œ«ß À¡‘ß øŸ °√√¡°“√ 100,000π“¬øß ≈Õß ‡™π °√√¡°“√ 100,000π“ßªØ‘¡“ ™«≈‘µ °√√¡°“√ 100,000π“¬ª√–¥‘…∞ »«— µπ“ππ∑å ª√–∏“π°√√¡°“√µ√«® Õ∫/ °√√¡°“√Õ‘ √– 360,000π“¬Õπ—πµå »«— µπ“ππ∑å °√√¡°“√µ√«® Õ∫/ °√√¡°“√Õ‘ √– 240,000æ≈µ”√«®‚∑æ‘™‘µ §«√‡¥™–§ÿªµå °√√¡°“√µ√«® Õ∫/ °√√¡°“√Õ‘ √– 240,000√«¡ 1,740,000

2. §à“µÕ∫·∑π°√√¡°“√∫√‘À“√·≈–ºŸâ∫√‘À“√„πªï 2548 §à“µÕ∫·∑π°√√¡°“√∫√‘À“√·≈–ºŸâ∫√‘À“√¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ®”π«π√«¡ 6 ∑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 23.60 ≈â“π∫“∑ ·≈–‡ß‘π ¡∑∫°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ ‡ß‘πª√–°—π —ß§¡ √«¡∑—Èßº≈µÕ∫·∑πÕ◊Ëπ ®”π«π0.64 ≈â“π∫“∑ √«¡§à“µÕ∫·∑π°√√¡°“√∫√‘À“√·≈–ºŸâ∫√‘À“√∑’Ë‡ªìπµ—«‡ß‘π√«¡ 24.24 ≈â“π∫“∑

§à“µÕ∫·∑πÕ◊Ëπ-‰¡à¡’ -

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

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

≥ ‘Èπªï 2547 ≥ ‘Èπªï 2548 ≥ ‘Èπªï 2547 ≥ ‘Èπªï 2548

°√√¡°“√ °√√¡°“√

¥√. Õ”π«¬ «’√«√√≥ 462,800 462,800 π“¬Œ«ß À¡‘ß øŸ 231,400 231,400

π“¬‚≈ ®ÿπ ≈Õß 180,050 180,050 π“¬øß ≈Õß ‡™π 231,400 231,400

π“¬∂—ß ‰≈à À«—ß 151,580 151,580 π“ßªØ‘¡“ ™«≈‘µ 251,400 251,400

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

π“¬§Ÿ ®ÕÀåπ ≈’ 539,820 539,820 π“¬Õπ—πµå »«— µπ“ππ∑å 50,000 50,000

π“¬‡®’¬ À¡‘ß À¬“ß - - æ≈µ”√«®‚∑æ‘™‘µ §«√‡¥™–§ÿªµå 60,000 60,000

π“¬Œ«ß ‡™ß À¡‘ß 231,400 231,400

ºŸâ∫√‘À“√ ºŸâ∫√‘À“√

π“¬¥π—¬ ≈“¿“«‘«—≤πå 89,080 89,080 π“¬»√“¬ÿ∑∏å ™—¬ «— ¥‘Ï 55,000 55,000

* √«¡°“√∂◊ÕÀ≈—°∑√—æ¬å‚¥¬ºŸâ‡°’Ë¬«¢âÕß

26

ÿ ¥ À— « „ ® „ Àâ ∫ √‘ ° “ √

À≈—°°“√°”°—∫°‘®°“√∑’Ë¥’

°“√°”°—∫¥Ÿ·≈°‘®°“√

∫√‘…—∑‰¥â°”Àπ¥π‚¬∫“¬°“√¥”‡π‘πß“π∑’Ë‡°’Ë¬«¢âÕß°—∫√–∫∫°“√°”°—∫¥Ÿ·≈°‘®°“√¢ÕßΩÉ“¬∫√‘À“√ ‡æ◊ËÕ„Àâ°“√∫√‘À“√ß“π¢Õß∫√‘…—∑‡ªìπ‰ªÕ¬à“ß¡’ª√– ‘∑∏‘¿“æ¡“°∑’Ë ÿ¥ ‚¥¬§≥–°√√¡°“√∫√‘…—∑¡’π‚¬∫“¬°“√ªØ‘∫—µ‘µ“¡¢âÕæ÷ßªØ‘∫—µ‘∑’Ë¥’ (Codeof Best Practice) ”À√—∫°“√‡ªìπ°√√¡°“√∫√‘…—∑®¥∑–‡∫’¬π ‡æ◊ËÕ„Àâ‡ªìπ‰ªµ“¡·π«∑“ß¢Õßµ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬√«¡∑—Èß‡ªìπ°“√‡ √‘¡ √â“ß§«“¡‚ª√àß„ ·≈–ª√– ‘∑∏‘¿“æ¢ÕßΩÉ“¬®—¥°“√Õ—π®–π”‰ª Ÿà°“√ √â“ß§«“¡‡™◊ËÕ¡—Ëπ„Àâ‡°‘¥¢÷Èπ·°àºŸâ∂◊ÕÀÿâπºŸâ≈ß∑ÿπ ·≈–ºŸâ∑’Ë‡°’Ë¬«¢âÕß∑ÿ°ΩÉ“¬‰¥â ∑—Èßπ’È ∫√‘…—∑‰¥â°”Àπ¥°“√°”°—∫¥Ÿ·≈°‘®°“√∑’Ë¥’ ¥—ßµàÕ‰ªπ’È

1. π‚¬∫“¬‡°’Ë¬«°—∫°“√°”°—∫¥Ÿ·≈°‘®°“√

§≥–°√√¡°“√¢Õß∫√‘…—∑µ√–Àπ—°∂÷ß§«“¡ ”§—≠¢Õß°“√°”°—∫¥Ÿ·≈°‘®°“√∑’Ë¥’ ‚¥¬¡’π‚¬∫“¬„π°“√∫√‘À“√®—¥°“√∏ÿ√°‘®Õ¬à“ß¡’ª√– ‘∑∏‘¿“æ·≈–¡’§«“¡‡ªìπ∏√√¡µàÕºŸâ¡’ à«π‰¥â‡ ’¬·≈–ºŸâ∑’Ë‡°’Ë¬«¢âÕß∑ÿ°ΩÉ“¬ ∑—Èßπ’È ‡æ◊ËÕ‡ √‘¡ √â“ßª√– ‘∑∏‘¿“æ¢ÕßΩÉ“¬®—¥°“√ ·≈–‡æ◊ËÕ°“√¥”‡π‘π∏ÿ√°‘®„Àâ¡’°“√‡®√‘≠‡µ‘∫‚µ¿“¬„µâ§«“¡‚ª√àß„ ·≈–®√‘¬∏√√¡∑“ß∏ÿ√°‘®∑’Ë¥’Õ—π®–™à«¬‡æ‘Ë¡¢’¥§«“¡ “¡“√∂„π°“√·¢àß¢—π¢Õß∫√‘…—∑·≈– √â“ß§«“¡‡™◊ËÕ¡—Ëπµ≈Õ¥®πª√–‚¬™πå„π√–¬–¬“«„Àâ‡°‘¥·°àºŸâ∂◊ÕÀÿâπ ºŸâ≈ß∑ÿπ ·≈–ºŸâ∑’Ë‡°’Ë¬«¢âÕß∑ÿ°ΩÉ“¬ πÕ°®“°π’È¬—ß°”Àπ¥π‚¬∫“¬„π‡√◊ËÕßÀ≈—°°“√·≈–·π«∑“ßªØ‘∫—µ‘„π°“√°”°—∫¥Ÿ·≈°‘®°“√∑’Ë¥’¢Õß∫√‘…—∑ ´÷Ëß§√Õ∫§≈ÿ¡∂÷ß°“√°”Àπ¥ ‘∑∏‘·≈–§«“¡‡∑à“‡∑’¬¡°—π¢ÕßºŸâ∂◊ÕÀÿâπ·≈–ºŸâ¡’ à«π‰¥â‡ ’¬ °“√°”Àπ¥‚§√ß √â“ß ∫∑∫“∑ Àπâ“∑’Ë §«“¡√—∫º‘¥™Õ∫ ·≈–§«“¡‡ªìπÕ‘ √–¢Õß§≥–°√√¡°“√ °“√‡ªî¥‡º¬¢âÕ¡Ÿ≈ Ÿà “∏“√≥–™πÕ¬à“ß∂Ÿ°µâÕß·≈– ¡Ë”‡ ¡Õ °“√§«∫§ÿ¡·≈–∫√‘À“√§«“¡‡ ’Ë¬ß ·≈–°“√ àß‡ √‘¡°“√¥”‡π‘π∏ÿ√°‘®Õ¬à“ß¡’®√‘¬∏√√¡

2. ‘∑∏‘·≈–§«“¡‡∑à“‡∑’¬¡°—π¢ÕßºŸâ∂◊ÕÀÿâπ

∫√‘…—∑„Àâ§«“¡ ”§—≠µàÕ ‘∑∏‘¢ÕßºŸâ∂◊ÕÀÿâπ·≈–¡’π‚¬∫“¬„π°“√ªØ‘∫—µ‘µàÕºŸâ∂◊ÕÀÿâπ∑ÿ°√“¬Õ¬à“ß‡∑à“‡∑’¬¡°—π ‚¥¬∫√‘…—∑®–‡ªî¥‡º¬¢âÕ¡Ÿ≈∑’Ë¡’ “√– ”§—≠ ¢à“« “√∑’Ë∂Ÿ°µâÕß §√∫∂â«π ∑—π‡«≈“ ·≈–‚ª√àß„ ·°àºŸâ∂◊ÕÀÿâπÕ¬à“ß ¡Ë”‡ ¡Õ „π°“√‡√’¬°ª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ ∫√‘…—∑®–®—¥ àßÀπ—ß ◊Õ‡™‘≠ª√–™ÿ¡æ√âÕ¡∑—Èß¢âÕ¡Ÿ≈ª√–°Õ∫°“√ ª√–™ÿ¡µ“¡«“√–µà“ßÊ „Àâ·°àºŸâ∂◊ÕÀÿâπ∑√“∫≈à«ßÀπâ“ 7 «—π°àÕπ«—πª√–™ÿ¡√«¡∑—Èßª√–°“»Àπ—ß ◊Õπ—¥‡™‘≠ª√–™ÿ¡¥—ß°≈à“«„πÀπ—ß ◊Õæ‘¡æå ‚¥¬„π·µà≈–«“√–¡’§«“¡‡ÀÁπ¢Õß§≥–°√√¡°“√∫√‘…—∑ª√–°Õ∫§√∫∂â«π ‡æ◊ËÕ„ÀâºŸâ∂◊ÕÀÿâπ¡’‡«≈“‡æ’¬ßæÕ„π°“√æ‘®“√≥“¢âÕ¡Ÿ≈°àÕπ‡¢â“√à«¡ª√–™ÿ¡ ·≈–¡’°“√®¥∫—π∑÷°°“√ª√–™ÿ¡Õ¬à“ß∂Ÿ°µâÕß ‡æ◊ËÕ„ÀâºŸâ∂◊ÕÀÿâπ “¡“√∂µ√«® Õ∫‰¥â πÕ°®“°π’È∫√‘…—∑¡’π‚¬∫“¬®–‡æ‘Ë¡∑“ß‡≈◊Õ°„Àâ°—∫ºŸâ∂◊ÕÀÿâπ‚¥¬„Àâ°√√¡°“√Õ‘ √–¢Õß∫√‘…—∑‡ªìπºŸâ√—∫¡Õ∫©—π∑–®“°ºŸâ∂◊ÕÀÿâπ „π°√≥’∑’ËºŸâ∂◊ÕÀÿâπ‰¡à “¡“√∂‡¢â“√à«¡ª√–™ÿ¡‰¥â

∑’Ëºà“π¡“∫√‘…—∑®—¥„Àâ¡’°“√ª√–™ÿ¡„À≠à “¡—≠ª√–®”ªïºŸâ∂◊ÕÀÿâπªï≈– 1 §√—Èß ·µàÀ“°¡’«“√–∑’Ë ”§—≠∑’Ë®–µâÕß„Àâ∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπæ‘®“√≥“‡ªìπ°“√‡√àß¥à«π ∫√‘…—∑®–¥”‡π‘π°“√‡√’¬°ª√–™ÿ¡«‘ “¡—≠ºŸâ∂◊ÕÀÿâπ‡æ◊ËÕæ‘®“√≥“Õπÿ¡—µ‘µàÕ‰ª ‚¥¬ºŸâ∂◊ÕÀÿâπ∑ÿ°√“¬ “¡“√∂„™â ‘∑∏‘„π°“√≈ß§–·ππ‡ ’¬ß·≈–· ¥ß§«“¡§‘¥‡ÀÁπÀ√◊Õ´—°∂“¡¢âÕ ß —¬°àÕπ°“√µ—¥ ‘π„®

3. ‘∑∏‘¢ÕßºŸâ¡’ à«π‰¥â‡ ’¬

∫√‘…—∑‡≈Áß‡ÀÁπ·≈–§”π÷ß∂÷ß§«“¡ ”§—≠µàÕ ‘∑∏‘¢ÕßºŸâ¡’ à«π‰¥â‡ ’¬∑ÿ°°≈ÿà¡ ‚¥¬‡©æ“–Õ¬à“ß¬‘Ëß ºŸâ∫√‘À“√ æπ—°ß“π ºŸâ®—¥®”Àπà“¬ ‡®â“Àπ’È ≈Ÿ°Àπ’È ™ÿ¡™π —ß§¡ ¿“§√—∞ µ≈Õ¥®πÀπà«¬ß“πÕ◊ËπÊ ∑’Ë‡°’Ë¬«¢âÕß ‡π◊ËÕß®“°∫√‘…—∑µ√–Àπ—°∂÷ß·√ß π—∫ πÿπ¢ÕßºŸâ¡’ à«π‰¥â‡ ’¬µà“ßÊ „πÕ—π®–™à«¬ √â“ß§«“¡ “¡“√∂„π°“√·¢àß¢—π·≈–º≈ª√–°Õ∫°“√∑’Ë¥’„Àâ·°à∫√‘…—∑·≈–‡ªìπ·√ß π—∫ πÿπÕ¬à“ß¥’¬‘Ëß„π√–¬–¬“«

4. °“√ª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ

„π°“√ª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ·µà≈–§√—Èß ∫√‘…—∑¡’°“√®—¥ àßÀπ—ß ◊Õ‡™‘≠ª√–™ÿ¡∑’Ë√–∫ÿ∂÷ß«“√–°“√ª√–™ÿ¡·≈–¢âÕ¡Ÿ≈ª√–°Õ∫°“√æ‘®“√≥“µ“¡«“√–µà“ßÊ ∂÷ßºŸâ∂◊ÕÀÿâπ≈à«ßÀπâ“°àÕπ°“√ª√–™ÿ¡ 7 «—π „π«—πª√–™ÿ¡ª√–∏“π∑’Ëª√–™ÿ¡®–‡ªî¥‚Õ°“ „ÀâºŸâ∂◊ÕÀÿâπ¡’ ‘∑∏‘Õ¬à“ß‡∑à“‡∑’¬¡°—π„π°“√µ√«® Õ∫°“√¥”‡π‘πß“π¢Õß∫√‘…—∑ ¡’‚Õ°“ „π°“√ Õ∫∂“¡¢âÕ ß —¬µà“ßÊ · ¥ß§«“¡§‘¥‡ÀÁπ·≈–¢âÕ‡ πÕ·π–µà“ßÊ ‰¥âÕ¬à“ß‡µÁ¡∑’Ë ‚¥¬„Àâ°√√¡°“√∑ÿ°∑à“π‡¢â“√à«¡°“√ª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ ‡æ◊ËÕµÕ∫¢âÕ ß —¬·≈–√à«¡· ¥ß§«“¡‡ÀÁπ„π∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ ”À√—∫ª√–‡¥Áπ´—°∂“¡·≈–¢âÕ§‘¥‡ÀÁπ∑’Ë ”§—≠®–¡’°“√∫—π∑÷°‰«â‡ªìπ√“¬ß“π°“√ª√–™ÿ¡ ‡æ◊ËÕ„ÀâºŸâ∂◊ÕÀÿâπ “¡“√∂µ√«® Õ∫‰¥â

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√“¬ß“πª√–®”ªï 2548

5. ¿“«–ºŸâπ”·≈–«‘ —¬∑—»πå

§≥–°√√¡°“√∫√‘À“√¢Õß∫√‘…—∑¡’Àπâ“∑’Ë„π°“√°”Àπ¥«‘ —¬∑—»πå ¿“√°‘® °≈¬ÿ∑∏å ·ºπ∏ÿ√°‘® ß∫ª√–¡“≥ ·≈–‡ªÑ“À¡“¬„π°“√¥”‡π‘π∏ÿ√°‘®¢Õß∫√‘…—∑ µ≈Õ¥®π°”°—∫¥Ÿ·≈„ÀâΩÉ“¬®—¥°“√¥”‡π‘π°“√„Àâ‡ªìπµ“¡‡ªÑ“À¡“¬∑’Ë°”Àπ¥‰«âÕ¬à“ß¡’ª√– ‘∑∏‘¿“æ·≈–ª√– ‘∑∏‘º≈ √«¡∑—Èß®—¥„Àâ¡’√–∫∫°“√§«∫§ÿ¡¿“¬„π °“√µ√«® Õ∫¿“¬„π ·≈–°“√∫√‘À“√§«“¡‡ ’Ë¬ß∑’Ë‡À¡“– ¡ µ≈Õ¥®π°”Àπ¥„Àâ¡’°“√√“¬ß“π∑“ß°“√‡ß‘πÕ¬à“ß ¡Ë”‡ ¡Õ¿“¬„µâ°“√¥Ÿ·≈¢Õß§≥–°√√¡°“√µ√«® Õ∫ ‡æ◊ËÕ„Àâ∫√‘…—∑ “¡“√∂∫√√≈ÿ‰¥âµ“¡‡ªÑ“À¡“¬∑’Ë«“ß‰«â·≈–‡æ◊ËÕ„ÀâºŸâ¡’ à«π‰¥â‡ ’¬∑ÿ°°≈ÿà¡‰¥â√—∫ª√–‚¬™πåÕ¬à“ß Ÿß ÿ¥

6. §«“¡¢—¥·¬âß¢Õßº≈ª√–‚¬™πå

∫√‘…—∑‰¥â¥”‡π‘π°“√ªÑÕß°—π§«“¡¢—¥·¬âß∑“ßº≈ª√–‚¬™πå∑’ËÕ“®‡°‘¥¢÷Èπ„πÕπ“§µ ‚¥¬¡’°“√ª√—∫‚§√ß √â“ß°“√∂◊ÕÀÿâπ¢Õß°≈ÿà¡∫√‘…—∑ ·≈–‰¥â®—¥µ—Èß§≥–°√√¡°“√µ√«® Õ∫ ‡æ◊ËÕ‡¢â“√à«¡æ‘®“√≥“°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈°“√∑”√“¬°“√∑’Ë‡°’Ë¬« ‚¬ß°—π∑—Èßπ’È À“°¡’√“¬°“√∑’ËÕ“®°àÕ„Àâ‡°‘¥§«“¡¢—¥·¬âß∑“ßº≈ª√–‚¬™πå‡°‘¥¢÷Èπ ¢—ÈπµÕπ°“√∑”√“¬°“√√–À«à“ß°—π¢Õß∫√‘…—∑·≈–∫ÿ§§≈∑’ËÕ“®¡’§«“¡¢—¥·¬âß ∑’Ë¡‘„™à°“√¥”‡π‘π°“√§â“µ“¡ª°µ‘À√◊Õ‡ªìπ‰ªµ“¡‡ß◊ËÕπ‰¢°“√§â“∑—Ë«‰ª ®–µâÕß¡’°“√‡ πÕµàÕ∑’Ëª√–™ÿ¡§≥–°√√¡°“√∫√‘…—∑‡æ◊ËÕæ‘®“√≥“Õπÿ¡—µ‘∑ÿ°§√—Èß ‚¥¬°√√¡°“√·≈–∫ÿ§§≈∑’ËÕ“®¡’ à«π‰¥â‡ ’¬À√◊ÕÕ“®¡’§«“¡¢—¥·¬âß∑“ßº≈ª√–‚¬™πå„π√“¬°“√√–À«à“ß°—π®–‰¡à “¡“√∂¡’ ‘∑∏‘ÕÕ°‡ ’¬ß„π°“√Õπÿ¡—µ‘√“¬°“√√–À«à“ß°—ππ—ÈπÊ ‰¥â ‡æ◊ËÕ§«“¡‡ªìπ∏√√¡·≈–‚ª√àß„ ·≈–À“°√“¬°“√√–À«à“ß°—π‡¢â“¢à“¬µ“¡¢âÕ∫—ß§—∫ ª√–°“» §” —Ëß ¢âÕ°”Àπ¥ À√◊Õ°Æ‡°≥±å¢Õßµ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ ∫√‘…—∑®–ªØ‘∫—µ‘µ“¡¢âÕ°”Àπ¥¥—ß°≈à“«Õ¬à“ß‡§√àß§√—¥

7. ®√‘¬∏√√¡∏ÿ√°‘®

§≥–°√√¡°“√∫√‘…—∑√—∫∑√“∫∂÷ß∫∑∫“∑ Àπâ“∑’Ë ·≈–§«“¡√—∫º‘¥™Õ∫«à“µâÕß„™â§«“¡√Ÿâ·≈–§«“¡ “¡“√∂∑’Ë¡’„π°“√¥”‡π‘π∏ÿ√°‘®Õ¬à“ß¡’®√‘¬∏√√¡ ·≈–µâÕßªØ‘∫—µ‘Àπâ“∑’Ë„Àâ‡ªìπ‰ªµ“¡°ÆÀ¡“¬ «—µ∂ÿª√– ß§å ¢âÕ∫—ß§—∫¢Õß∫√‘…—∑ µ≈Õ¥®π¡µ‘∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ¥â«¬§«“¡´◊ËÕ —µ¬å ÿ®√‘µ ¡’§ÿ≥∏√√¡ ¡’§«“¡√—∫º‘¥™Õ∫ ¡’§«“¡¿—°¥’µàÕ∫√‘…—∑ π—∫ πÿπ°“√¥”‡π‘π¿“√°‘®¢Õß∫√‘…—∑ ·µàµâÕßÕ¬Ÿà∫πæ◊Èπ∞“π¢Õß§«“¡∂Ÿ°µâÕß·≈–‡À¡“– ¡ ·≈–§”π÷ß∂÷ßº≈ª√–‚¬™πå¢Õß∫√‘…—∑·≈–ºŸâ∂◊ÕÀÿâπ‡ªìπ ”§—≠ ∑—Èßπ’È∫√‘…—∑¡’°“√°”Àπ¥®√√¬“∫√√≥¢Õß§≥–°√√¡°“√∫√‘…—∑ §≥–°√√¡°“√∫√‘À“√ ·≈–§≥–°√√¡°“√µ√«® Õ∫‡ªìπ∑’Ë‡√’¬∫√âÕ¬·≈â«

8. °“√∂à«ß¥ÿ≈¢Õß°√√¡°“√∑’Ë‰¡à‡ªìπºŸâ∫√‘À“√

§≥–°√√¡°“√∫√‘…—∑¡’®”π«π√«¡ 12 ∑à“π ª√–°Õ∫¥â«¬ °√√¡°“√∑’Ë‡ªìπºŸâ∫√‘À“√ 4 ∑à“π ·≈–°√√¡°“√∑’Ë‰¡à‰¥â‡ªìπºŸâ∫√‘À“√ 8 ∑à“π ‚¥¬∫√‘…—∑‰¥â®—¥µ—Èß§≥–°√√¡°“√µ√«® Õ∫´÷Ëß‡ªìπ°√√¡°“√Õ‘ √–∑—Èß ‘Èπ®”π«π 3 ∑à“π ´÷Ëß§‘¥‡ªìπ°√√¡°“√Õ‘ √–√âÕ¬≈– 25 ¢Õß°√√¡°“√∑—ÈßÀ¡¥ ∑—Èßπ’È §≥–°√√¡°“√µ√«® Õ∫∂◊Õ‡ªìπµ—«·∑π¢ÕßºŸâ∂◊ÕÀÿâπ à«ππâÕ¬∑’Ë®–∑”Àπâ“∑’Ë°”°—∫¥Ÿ·≈°“√¥”‡π‘πß“π¢Õß∫√‘…—∑„Àâ¡’§«“¡ ∂Ÿ°µâÕß·≈–‚ª√àß„

9. °“√√«¡À√◊Õ·¬°µ”·Àπàß

∫√‘…—∑‰¥â·¬°µ”·Àπàßª√–∏“π°√√¡°“√·≈–°√√¡°“√ºŸâ®—¥°“√‡ªìπ 2 µ”·Àπàß·≈–‰¡à‡ªìπ∫ÿ§§≈‡¥’¬«°—π ‡æ◊ËÕ‡ªìπ°“√·∫àß·¬°Àπâ“∑’Ë√–À«à“ß°“√°”Àπ¥π‚¬∫“¬°“√°”°—∫¥Ÿ·≈·≈–°“√∫√‘À“√ß“πª√–®” ‚¥¬∫√‘…—∑¡’°“√·∫àß·¬°Àπâ“∑’Ë·≈–°”Àπ¥¢Õ∫‡¢µÕ”π“®Àπâ“∑’Ë¢Õß§≥–°√√¡°“√∫√‘…—∑ §≥–°√√¡°“√∫√‘À“√ ·≈–§≥–°√√¡°“√µ√«® Õ∫‰«âÕ¬à“ß™—¥‡®πµ“¡√“¬≈–‡Õ’¬¥„πÀ—«¢âÕ‚§√ß √â“ß°“√®—¥°“√ ‡æ◊ËÕ„Àâ “¡“√∂ªØ‘∫—µ‘ß“π‰¥âÕ¬à“ß‚ª√àß„ ™à«¬„Àâ¡’°“√∂à«ß¥ÿ≈Õ”π“®Õ¬à“ß‡æ’¬ßæÕ·≈– “¡“√∂‡¢â“ Õ∫∑“π°“√¥”‡π‘πß“π¢Õß∫√‘…—∑‰¥â ‚¥¬„π¡µ‘∑’Ë ”§—≠¬—ß§ßµâÕß‰¥â√—∫°“√Õπÿ¡—µ‘®“°∑’Ëª√–™ÿ¡§≥–°√√¡°“√∫√‘…—∑À√◊Õ∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ πÕ°®“°π’È Õ”π“®∑’Ë¡Õ∫„Àâ§≥–°√√¡°“√∫√‘…—∑ §≥–°√√¡°“√∫√‘À“√ ·≈–°√√¡°“√ºŸâ®—¥°“√ ‡ªìπ°“√¡Õ∫Õ”π“®∑’Ë‰¡à∑”„Àâ°√√¡°“√ºŸâ¡’ à«π‰¥â‡ ’¬ “¡“√∂Õπÿ¡—µ‘√“¬°“√„¥Ê ∑’Ëµπ‡Õß À√◊Õ∫ÿ§§≈∑’ËÕ“®¡’§«“¡¢—¥·¬âß∑“ßº≈ª√–‚¬™πå¢Õßµπ‡Õß∑”√à«¡°—∫∫√‘…—∑À√◊Õ∫√‘…—∑¬àÕ¬‰¥â

28

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10. §à“µÕ∫·∑π¢Õß°√√¡°“√·≈–ºŸâ∫√‘À“√

∫√‘…—∑‰¥â®—¥„Àâ¡’§à“µÕ∫·∑π°√√√¡°“√‰«âÕ¬à“ß™—¥‡®π·≈–‚ª√àß„ ÷Ëßπ‚¬∫“¬¥—ß°≈à“«‰¥âºà“π°“√Õπÿ¡—µ‘®“°∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ ‚¥¬§à“µÕ∫·∑π∑’Ë„Àâ°√√¡°“√Õ¬Ÿà„π√–¥—∫∑’Ë‡À¡“– ¡·≈–®Ÿß„®æÕ∑’Ë®– “¡“√∂√—°…“°√√¡°“√∑’Ë¡’§«“¡√Ÿâ§«“¡ “¡“√∂·≈–¡’§ÿ≥¿“æ¥’‰«â‰¥â √«¡∑—ÈßÕ¬Ÿà„π√–¥—∫‡¥’¬«°—∫Õÿµ “À°√√¡·≈–‡À¡“– ¡°—∫Àπâ“∑’Ë·≈–§«“¡√—∫º‘¥™Õ∫∑’Ë‰¥â√—∫¡Õ∫À¡“¬ ∫√‘…—∑‰¡à¡’π‚¬∫“¬®à“¬§à“µÕ∫·∑π°√√¡°“√∑’Ë‡°‘π§«√ ”À√—∫§à“µÕ∫·∑πºŸâ∫√‘À“√‡ªìπ‰ªµ“¡À≈—°°“√ ·≈–π‚¬∫“¬∑’Ë§≥–°√√¡°“√∫√‘…—∑°”Àπ¥ ‚¥¬‡™◊ËÕ¡‚¬ß°—∫º≈ª√–°Õ∫°“√¢Õß∫√‘…—∑ ·≈–º≈°“√¥”‡π‘πß“π¢ÕßºŸâ∫√‘À“√·µà≈–∑à“π

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11. °“√ª√–™ÿ¡§≥–°√√¡°“√

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≥ ‘Èπªï 2548 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’ ‘π∑√—æ¬å√«¡‡∑à“°—∫ 7,875.67 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 30.65 ®“°®”π«π 6,027.93≈â“π∫“∑ ≥ ‘Èπªï 2547 ‚¥¬¡’≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ ÿ∑∏‘ ´÷Ëß‡ªìπ ‘π∑√—æ¬åÀ≈—°¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ §‘¥‡ªìπ —¥ à«π√âÕ¬≈–84.30 ¢Õß ‘π∑√—æ¬å√«¡

®“°°“√∑’Ë∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’ª√– ‘∑∏‘¿“æ∑’Ë¥’„π°“√®—¥‡°Á∫Àπ’È ¢π“¥æÕ√åµ ‘π‡™◊ËÕ∑’Ë‡æ‘Ë¡¢÷Èπ·≈–º≈®“°°“√µ—¥Àπ’È Ÿ≠ ‘π‡™◊ËÕ∑’Ë‰¡à°àÕ„Àâ‡°‘¥√“¬‰¥â (NPAs) ≥ ‘Èπªï 2548 ¡’®”π«π‡∑à“°—∫ 34.86 ≈â“π∫“∑ À√◊Õ‡∑à“°—∫√âÕ¬≈– 0.45 ¢Õß¬Õ¥≈Ÿ°Àπ’È√«¡(°àÕπÀ—°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠) πÕ°®“°π’È§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠´÷Ëß¡’®”π«π‡∑à“°—∫ 82.91 ≈â“π∫“∑ ∑”„Àâ¡’Õ—µ√“ à«π§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠µàÕ ‘π‡™◊ËÕ∑’Ë‰¡à°àÕ„Àâ‡°‘¥√“¬‰¥â„πÕ—µ√“ Ÿß∂÷ß√âÕ¬≈– 237.82 –∑âÕπ∂÷ß§«“¡‡æ’¬ßæÕ¢Õß°“√µ—Èß ”√Õß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬

Àπ’È ‘π

∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’Àπ’È ‘π√«¡ ≥ ‘Èπªï 2548 ‡∑à“°—∫ 7,003.11 ≈â“π∫“∑ ‚¥¬¡’‡ß‘π°Ÿâ¬◊¡√«¡ 6,830.73 ≈â“π∫“∑´÷Ëßª√–°Õ∫¥â«¬‡ß‘π°Ÿâ¬◊¡√–¬– —Èπª√–‡¿∑ ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π∑—Èß¿“¬„πª√–‡∑»·≈–µà“ßª√–‡∑»·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß √«¡∑—Èß‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ®”π«π 5,760.73 ≈â“π∫“∑ À√◊Õ§‘¥‡ªìπ√âÕ¬≈– 84.34 ¢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 à«π„À≠à¡“®“°°≈ÿà¡ºŸâ∂◊ÕÀÿâπ„À≠à´÷Ëß‡ªìπ ∂“∫—π°“√‡ß‘π¢π“¥„À≠à ¥—ßπ—Èπ∑”„Àâ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ “¡“√∂∫√‘À“√µâπ∑ÿπ∑“ß°“√‡ß‘πÕ¬à“ß¡’ª√– ‘∑∏‘¿“æ‰¡à„Àâª√—∫µ—«¢÷Èπ‡√Á«µ“¡¿“«–¥Õ°‡∫’È¬„πµ≈“¥∑’Ë Ÿß¢÷ÈπÕ¬à“ß√«¥‡√Á« ·≈– Õ¥§≈âÕß°—∫°“√‡ª≈’Ë¬π·ª≈ß¢ÕßÕ—µ√“¥Õ°‡∫’È¬√—∫∑’Ë§àÕ¬Êª√—∫µ—«¢÷Èπ

ª√–‡¿∑‡Àπ’È ‘π ≥ «—π∑’Ë 31 ∏.§. 2548

®”π«π‡ß‘π (≈â“π∫“∑) √âÕ¬≈– (%)

‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π 4,252.73 62.26

- ‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘π∑’Ë‡°’Ë¬«¢âÕß°—π 1,997.73 29.25

- ‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘πÕ◊Ëπ 2,255.00 33.01

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π 295.00 4.32

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∑’Ë°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„π 1 ªï 1,050.00 15.37

‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ 163.00 2.39

√«¡‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ 5,760.73 84.34

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π 1,070.00 15.66

‡ß‘π°Ÿâ¬◊¡√«¡ 6,830.73 100.00

¿“æ§≈àÕß

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 °”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 5,760.73 3,836.46‡°‘π°«à“ 1 ªï ·µà‰¡à‡°‘π 2 ªï 70.00 2,551.75‡°‘π°«à“ 2 ªï ·µà‰¡à‡°‘π 3 ªï 1,000.00 1,520.85‡°‘π°«à“ 3 ªï - 754.22≈Ÿ°Àπ’ÈÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â - 36.24√«¡ 6,830.73 8,699.52

40

ÿ ¥ À— « „ ® „ Àâ ∫ √‘ ° “ √

®“° à«πµà“ß√–À«à“ß§à“ß«¥∑’Ë®–‰¥â√—∫™”√–¿“¬„π 1 ªï ·≈–°”Àπ¥™”√–§◊πÀπ’È‡ß‘π°Ÿâ¬◊¡¿“¬„π 1 ªï ®”π«π 1,924.27≈â“π∫“∑¢â“ßµâπ Õ“®°≈à“«‰¥â«à“ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬‰¡à¡’º≈°√–∑∫„π‡√◊ËÕß ¿“æ§≈àÕß∑“ß°“√‡ß‘π‡π◊ËÕß®“°‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ à«π„À≠à ‡ªìπ‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘π ∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π®”π«π 3,342.73 ≈â“π∫“∑ §‘¥‡ªìπ√âÕ¬≈– 48.94¢Õß‡ß‘π°Ÿâ√«¡ ´÷Ëß¡’®”π«π 6,830.73 ≈â“π∫“∑ 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√–‡∑» Õ¬à“ß‰√°Áµ“¡ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¬—ß¡’«ß‡ß‘π ‘π‡™◊ËÕ§ß‡À≈◊Õ®“° ∂“∫—π°“√‡ß‘πÕ◊ËπÕ’°ª√–¡“≥ 2,112≈â“π∫“∑‰«â ”√Õß ÷Ëß –∑âÕπ„Àâ‡ÀÁπ§«“¡‡æ’¬ßæÕ¢Õß ¿“æ§≈àÕß∑“ß°“√‡ß‘π¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ πÕ°®“°π’È ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¬—ß§ßª√—∫ª√ÿß‚§√ß √â“ß·À≈àß∑’Ë¡“¢Õß‡ß‘π∑ÿπ„Àâ‡À¡“– ¡¢÷Èπ ‚¥¬∑¬Õ¬ª√—∫‡ª≈’Ë¬π‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ„Àâ‡ªìπ‡ß‘π°Ÿâ¬◊¡√–¬–¬“« ‡æ◊ËÕ‰¡à„Àâª√–∑∫µàÕµâπ∑ÿπ∑“ß°“√‡ß‘π √«¡∂÷ß¡’π‚¬∫“¬°√–®“¬§«“¡‡ ’Ë¬ß„π‡√◊ËÕß¢Õß·À≈àß‡ß‘π∑ÿπ·À≈àß„À¡àπÕ°‡Àπ◊Õ®“°‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘π ‡™àπ ºà“πµ≈“¥∑ÿπ ‡ªìπµâπ

à«π¢ÕßºŸâ∂◊ÕÀÿâπ

≥ ‘Èπªï 2548 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’ à«π¢ÕßºŸâ∂◊ÕÀÿâπ‡∑à“°—∫ 872.56 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 43.82 ®“°®”π«π 606.70≈â“π∫“∑ ≥ ‘Èπªï 2547 ¡’°”‰√ – ¡‡∑à“°—∫ 208.95 ≈â“π∫“∑ ·≈–¡’¡Ÿ≈§à“∑“ß∫—≠™’µàÕÀÿâπ ‡æ‘Ë¡¢÷Èπ®“° 6.59 ∫“∑µàÕÀÿâπ ≥ ‘Èπªï 2547‡ªìπ 7.59 ≈â“π∫“∑µàÕÀÿâπ ≥ ‘Èπªï 2548 ‚¥¬¡’∑ÿπ™”√–·≈â«®”π«π 575 ≈â“π∫“∑ à«π¢ÕßºŸâ∂◊ÕÀÿâπ‡æ‘Ë¡¢÷Èπ‡π◊ËÕß®“°∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’°”‰√ ÿ∑∏‘ ·≈–∑ÿπ®¥∑–‡∫’¬π™”√–·≈â«‡æ‘Ë¡¢÷Èπ ‚¥¬„π‡¥◊Õπ ‘ßÀ“§¡ 2548 ∫√‘…—∑‰¥â‡ πÕ¢“¬Àÿâπ “¡—≠‡æ‘Ë¡∑ÿπ®”π«π 23 ≈â“πÀÿâπ·°àª√–™“™π∑—Ë«‰ª·≈–‡¢â“®¥∑–‡∫’¬π‡ªìπÀ≈—°∑√—æ¬å®¥∑–‡∫’¬π„πµ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ ∑”„Àâ∑ÿπ™”√–·≈â«¢Õß∫√‘…—∑‡æ‘Ë¡¢÷Èπ®“°®”π«π 460 ≈â“π∫“∑ ≥ ‘Èπªï 2547 ‡ªìπ 575 ≈â“π∫“∑ ≥ ‘Èπªï 2548

§à“µÕ∫·∑π¢ÕßºŸâ Õ∫∫—≠™’

„πªï 2548 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬®à“¬§à“µÕ∫·∑π¢ÕßºŸâ Õ∫∫—≠™’ ¥—ßπ’È1. §à“µÕ∫·∑π®“°°“√ Õ∫∫—≠™’ „Àâ·°à

* ºŸâ Õ∫∫—≠™’¢Õß∫√‘…—∑ „π√Õ∫∫—≠™’∑’Ëºà“π¡“¡’®”π«π√«¡ 0 ∫“∑* ”π—°ß“π∑’ËºŸâ Õ∫∫—≠™’ —ß°—¥ ∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—∫ºŸâ Õ∫∫—≠™’·≈– ”π—°ß“π Õ∫∫—≠™’∑’ËºŸâ Õ∫∫—≠™’

—ß°—¥„π√Õ∫∫—≠™’∑’Ëºà“π¡“®”π«π√«¡ 1,460,000 ∫“∑ ‚¥¬‡ªìπ§à“ Õ∫∫—≠™’®”π«π√«¡ 1,460,000 ∫“∑ ·≈–‰¡à¡’§à“„™â®à“¬Õ◊Ëπ∑’Ë‡°’Ë¬«¢âÕß°—∫°“√ Õ∫∫—≠™’

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 ‡ªìπµâπ „Àâ·°à* ºŸâ Õ∫∫—≠™’¢Õß∫√‘…—∑ „π√Õ∫∫—≠™’∑’Ëºà“π¡“®”π«π√«¡ 0 ∫“∑* ”π—°ß“π∑’ËºŸâ Õ∫∫—≠™’ —ß°—¥ ∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—∫ºŸâ Õ∫∫—≠™’·≈– ”π—°ß“π Õ∫∫—≠™’∑’Ë

ºŸâ Õ∫∫—≠™’ —ß°—¥ „π√Õ∫∫—≠™’∑’Ëºà“π¡“®”π«π√«¡ 0 ∫“∑

41

√“¬ß“πª√–®”ªï 2548

√“¬ß“π¢ÕßºŸâ Õ∫∫—≠™’√—∫Õπÿ≠“µ‡ πÕµàÕºŸâ∂◊ÕÀÿâπ·≈–§≥–°√√¡°“√¢Õß∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π)

¢â“æ‡®â“‰¥âµ√«® Õ∫ß∫¥ÿ≈√«¡ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ß∫°”‰√¢“¥∑ÿπ√«¡ ß∫· ¥ß°“√‡ª≈’Ë¬π·ª≈ß à«π¢ÕßºŸâ∂◊ÕÀÿâπ√«¡·≈–ß∫°√–· ‡ß‘π ¥√«¡ ”À√—∫ªï ‘Èπ ÿ¥«—π‡¥’¬«°—π¢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“ ß∫°“√‡ß‘π¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬ ·≈–‡©æ“–¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2547 µ√«® Õ∫‚¥¬ºŸâ Õ∫∫—≠™’Õ◊Ëπ ´÷Ëß‰¥â· ¥ß§«“¡‡ÀÁπÕ¬à“ß‰¡à¡’‡ß◊ËÕπ‰¢µ“¡√“¬ß“π≈ß«—π∑’Ë 10 °ÿ¡¿“æ—π∏å 2548

¢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«“§¡ 2548 º≈°“√¥”‡π‘πß“π·≈–°√–· ‡ß‘π ¥ ”À√—∫ªï ‘Èπ ÿ¥«—π‡¥’¬«°—π¢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: 22 °ÿ¡¿“æ—π∏å 2549

42

ÿ ¥ À— « „ ® „ Àâ ∫ √‘ ° “ √

ß∫¥ÿ≈≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

À¡“¬‡Àµÿ 2548 2547 2548 2547

(ª√—∫ª√ÿß„À¡à) (ª√—∫ª√ÿß„À¡à)

‘π∑√—æ¬å ‘π∑√—æ¬åÀ¡ÿπ‡«’¬π

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ 16 23,635,342 16,225,342 8,003,683 15,747,762‡ß‘π≈ß∑ÿπ™—Ë«§√“« 1,725,750 895,050 1,725,750 895,050≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ∑’Ë∂÷ß°”Àπ¥

™”√–¿“¬„πÀπ÷Ëßªï - ÿ∑∏‘ 5 2,566,872,728 1,916,960,807 2,286,911,172 1,784,597,307≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“°“√‡ß‘π∑’Ë∂÷ß°”Àπ¥

™”√–¿“¬„πÀπ÷Ëßªï - ÿ∑∏‘ 6 307,227,028 311,723,751 - -≈Ÿ°Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß∑’Ë∂÷ß°”Àπ¥

™”√–¿“¬„πÀπ÷Ëßªï - ÿ∑∏‘ 7 381,165,654 275,257,010 - -‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ - ÿ∑∏‘ 8 6,695,941 17,805,894 6,695,941 17,805,894 ‘π∑√—æ¬å√Õ°“√¢“¬ - ÿ∑∏‘ 9 9,552,511 1,759,956 9,124,320 1,759,956 ‘π∑√—æ¬åÀ¡ÿπ‡«’¬πÕ◊Ëπ 101,487,541 71,966,645 51,990,224 38,232,574

√«¡ ‘π∑√—æ¬åÀ¡ÿπ‡«’¬π 3,398,362,495 2,612,594,455 2,364,451,090 1,859,038,543 ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬π

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘®“° à«π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 5 4,072,226,604 2,949,383,758 3,774,448,571 2,855,928,420

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“°“√‡ß‘π - ÿ∑∏‘®“° à«π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 6 313,236,240 374,979,684 - -

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘®“° à«π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 7 24,925,384 28,914,315 - -

‡ß‘π≈ß∑ÿπ´÷Ëß∫—π∑÷°‚¥¬«‘∏’ à«π‰¥â‡ ’¬ 10 - - 508,842,980 534,416,583‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ - ÿ∑∏‘ 11 350,720 362,240 - -∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å - ÿ∑∏‘ 12 61,121,238 57,876,338 46,135,184 40,177,074 ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ - ÿ∑∏‘ 13 5,446,121 3,816,795 2,012,660 1,996,525

√«¡ ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬π 4,477,306,307 3,415,333,130 4,331,439,395 3,432,518,602√«¡ ‘π∑√—æ¬å 7,875,668,802 6,027,927,585 6,695,890,485 5,291,557,145

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

43

√“¬ß“πª√–®”ªï 2548

ß∫¥ÿ≈ (µàÕ)≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

À¡“¬‡Àµÿ 2548 2547 2548 2547

(ª√—∫ª√ÿß„À¡à) (ª√—∫ª√ÿß„À¡à)

Àπ’È ‘π·≈– à«π¢ÕßºŸâ∂◊ÕÀÿâπÀπ’È ‘πÀ¡ÿπ‡«’¬π

‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π 14, 16 4,252,734,011 4,103,601,414 3,408,770,120 3,663,601,414

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π 16 295,000,000 30,000,000 235,000,000 -

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 16 1,050,000,000 - 900,000,000 -

‡®â“Àπ’È∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π 16 5,235,084 6,162,000 3,778,836 4,982,996‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ 15 163,000,000 - 163,000,000 -Àπ’È ‘πÀ¡ÿπ‡«’¬πÕ◊Ëπ 154,734,499 149,066,046 112,778,190 116,276,479

√«¡Àπ’È ‘πÀ¡ÿπ‡«’¬π 5,920,703,594 4,288,829,460 4,823,327,146 3,784,860,889Àπ’È ‘π‰¡àÀ¡ÿπ‡«’¬π

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π- ÿ∑∏‘®“° à«π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 16 1,070,000,000 1,120,000,000 1,000,000,000 900,000,000

‡ß‘π«“ßª√–°—π°“√‡™à“ 12,401,869 12,401,869 - -√«¡Àπ’È ‘π‰¡àÀ¡ÿπ‡«’¬π 1,082,401,869 1,132,401,869 1,000,000,000 900,000,000√«¡Àπ’È ‘π 7,003,105,463 5,421,231,329 5,823,327,146 4,684,860,889 à«π¢ÕßºŸâ∂◊ÕÀÿâπ

∑ÿπ‡√◊ÕπÀÿâπ 17∑ÿπ®¥∑–‡∫’¬π

Àÿâπ “¡—≠ 115,000,000 Àÿâπ ¡Ÿ≈§à“Àÿâπ≈– 5 ∫“∑ 575,000,000 575,000,000 575,000,000 575,000,000∑ÿπ∑’ËÕÕ°·≈–™”√–·≈â«

Àÿâπ “¡—≠ 115,000,000 Àÿâπ ¡Ÿ≈§à“Àÿâπ≈– 5 ∫“∑(2547: Àÿâπ “¡—≠ 92,000,000 Àÿâπ ¡Ÿ≈§à“Àÿâπ≈– 5 ∫“∑) 575,000,000 460,000,000 575,000,000 460,000,000

à«π‡°‘π¡Ÿ≈§à“Àÿâπ 84,428,259 3,200,000 84,428,259 3,200,000º≈µà“ß®“°°“√ª√—∫‚§√ß √â“ßºŸâ∂◊ÕÀÿâπ 2 4,188,003 4,188,003 4,188,003 4,188,003°”‰√ – ¡

®—¥ √√·≈â« - ”√Õßµ“¡°ÆÀ¡“¬ 19 13,814,677 6,882,736 13,814,677 6,882,736¬—ß‰¡à‰¥â®—¥ √√ 195,132,400 132,425,517 195,132,400 132,425,517

√«¡ à«π¢ÕßºŸâ∂◊ÕÀÿâπ 872,563,339 606,696,256 872,563,339 606,696,256√«¡Àπ’È ‘π·≈– à«π¢ÕßºŸâ∂◊ÕÀÿâπ 7,875,668,802 6,027,927,585 6,695,890,485 5,291,557,145


44

ÿ ¥ À— « „ ® „ Àâ ∫ √‘ ° “ √

ß∫°”‰√¢“¥∑ÿπ ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

À¡“¬‡Àµÿ 2548 2547 2548 2547

√“¬‰¥â√“¬‰¥â®“°¥Õ°º≈‡™à“´◊ÈÕ 510,615,817 388,230,999 469,238,790 373,000,124√“¬‰¥â®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 28,452,126 15,095,749 - -√“¬‰¥â®“° —≠≠“‡™à“°“√‡ß‘π 67,164,523 43,820,438 - -√“¬‰¥â§à“‡™à“µ“¡ —≠≠“‡™à“¥”‡π‘πß“π 2,535,257 2,788,120 - -√“¬‰¥â®“°§à“ª√—∫≈à“™â“ 23,433,745 21,354,250 20,125,644 20,714,085√“¬‰¥â®“°°“√·π–π”≈Ÿ°§â“‡°’Ë¬«°—∫ª√–°—π¿—¬ 50,056,842 40,541,581 47,945,089 39,283,985√“¬‰¥âÕ◊Ëπ 59,297,544 46,152,364 35,330,737 31,140,811 à«π·∫àß°”‰√®“°‡ß‘π≈ß∑ÿπµ“¡«‘∏’ à«π‰¥â‡ ’¬ - - 57,741,370 30,319,743

√«¡√“¬‰¥â 741,555,854 557,983,501 630,381,630 494,458,748§à“„™â®à“¬

µâπ∑ÿπ°“√„Àâ‡™à“µ“¡ —≠≠“‡™à“¥”‡π‘πß“π 3,297,068 2,342,718 - -§à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ 299,600,990 237,880,124 245,674,832 204,330,441Àπ’È Ÿ≠·≈–Àπ’È ß —¬®– Ÿ≠ 49,486,723 36,148,352 33,755,965 21,411,680

√«¡§à“„™â®à“¬ 352,384,781 276,371,194 279,430,797 225,742,121°”‰√°àÕπ¥Õ°‡∫’È¬®à“¬·≈–¿“…’‡ß‘π‰¥â 389,171,073 281,612,307 350,950,833 268,716,627¥Õ°‡∫’È¬®à“¬ 16 (209,808,757) (115,059,499) (176,859,512) (102,163,819)¿“…’‡ß‘π‰¥âπ‘µ‘∫ÿ§§≈ 20 (40,723,492) (28,898,082) (35,452,497) (28,898,082)°”‰√ ÿ∑∏‘ ”À√—∫ªï 138,638,824 137,654,726 138,638,824 137,654,726

°”‰√µàÕÀÿâπ¢—Èπæ◊Èπ∞“π °”‰√ ÿ∑∏‘ 1.38 1.68 1.38 1.68

®”π«πÀÿâπ “¡—≠∂—«‡©≈’Ë¬∂à«ßπÈ”Àπ—° (Àÿâπ) 100,506,849 82,128,962 100,506,849 82,128,962


45

√“¬ß“πª√–®”ªï 2548

ß∫· ¥ß°“√‡ª≈’Ë¬π·ª≈ß à«π¢ÕßºŸâ∂◊ÕÀÿâπ ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡/ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

°”‰√ – ¡

º≈µà“ß®“°°“√

∑ÿπ‡√◊Õπ à«π‡°‘π ª√—∫ ®—¥ √√·≈â« -

À¡“¬‡Àµÿ Àÿâπ∑’ËÕÕ° ¡Ÿ≈§à“Àÿâπ ‚§√ß √â“ß ”√Õßµ“¡ ¬—ß‰¡à‰¥â √«¡

·≈–™”√–·≈â« ºŸâ∂◊ÕÀÿâπ °ÆÀ¡“¬ ®—¥ √√

¬Õ¥§ß‡À≈◊Õµâπªï 2547 460,000,000 - - - (110,346,473) 349,653,527

º≈µà“ß®“°°“√ª√—∫‚§√ß √â“ßºŸâ∂◊ÕÀÿâπ 2 - - 4,188,003 - - 4,188,003

°”‰√ ÿ∑∏‘ ”À√—∫ªï 2547 - - - - 137,654,726 137,654,726

”√Õßµ“¡°ÆÀ¡“¬ 19 - - - 6,882,736 (6,882,736) -

≈¥∑ÿπ‡æ◊ËÕ≈â“ß¢“¥∑ÿπ – ¡ 17 (112,000,000) - - - 112,000,000 -

‡æ‘Ë¡∑ÿπÀÿâπ “¡—≠ 17 112,000,000 3,200,000 - - - 115,200,000

¬Õ¥§ß‡À≈◊Õª≈“¬ªï 2547 460,000,000 3,200,000 4,188,003 6,882,736 132,425,517 606,696,256

‡ß‘πªíπº≈®à“¬ 18 - - - - (69,000,000) (69,000,000)

°”‰√ ÿ∑∏‘ ”À√—∫ªï 2548 - - - - 138,638,824 138,638,824

”√Õßµ“¡°ÆÀ¡“¬ 19 - - - 6,931,941 (6,931,941) -

‡æ‘Ë¡∑ÿπÀÿâπ “¡—≠ 17 115,000,000 89,700,000 - - - 204,700,000

§à“„™â®à“¬„π°“√ÕÕ°Àÿâπ “¡—≠‡æ‘Ë¡∑ÿπ 17 - (8,471,741) - - - (8,471,741)

¬Õ¥§ß‡À≈◊Õª≈“¬ªï 2548 575,000,000 84,428,259 4,188,003 13,814,677 195,132,400 872,563,339


46

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ß∫°√–· ‡ß‘π ¥ ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

À¡“¬‡Àµÿ 2548 2547 2548 2547

°√–· ‡ß‘π ¥®“°°‘®°√√¡¥”‡π‘πß“π

°”‰√ ÿ∑∏‘ 138,638,824 137,654,726 138,638,824 137,654,726√“¬°“√ª√—∫°√–∑∫°”‰√ ÿ∑∏‘‡ªìπ‡ß‘π ¥√—∫ (®à“¬)

®“°°‘®°√√¡¥”‡π‘πß“π: -Àπ’È Ÿ≠·≈–Àπ’È ß —¬®– Ÿ≠ 49,486,723 36,148,352 33,755,965 21,411,680§à“‡º◊ËÕ°“√≈¥¡Ÿ≈§à“¢Õß ‘π∑√—æ¬å√Õ°“√¢“¬ 1,262,569 80,844 1,299,214 117,489§à“‡º◊ËÕ°“√≈¥§à“¢Õß‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ 11,520 - - -§à“‡ ◊ËÕ¡√“§“ 12,501,258 9,972,801 8,133,300 6,932,073°”‰√®“°°“√ª√—∫¡Ÿ≈§à“‡ß‘π≈ß∑ÿπ (830,700) (81,900) (830,700) (81,900)°”‰√®“°°“√¢“¬Õÿª°√≥å (807,138) (1,769,467) (663,318) (2,240,869) à«π·∫àß°”‰√®“°‡ß‘π≈ß∑ÿπµ“¡«‘∏’ à«π‰¥â‡ ’¬ - - (57,741,370) (30,319,743)

°”‰√®“°°“√¥”‡π‘πß“π°àÕπ°“√‡ª≈’Ë¬π·ª≈ß„π ‘π∑√—æ¬å·≈–Àπ’È ‘π¥”‡π‘πß“π 200,263,056 182,005,356 122,591,915 133,473,456

‘π∑√—æ¬å¥”‡π‘πß“π (‡æ‘Ë¡¢÷Èπ) ≈¥≈ß≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ (1,792,865,236) (1,224,893,852) (1,433,782,756) (1,188,461,003)≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“°“√‡ß‘π 57,376,035 (144,120,906) - -≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß (103,599,846) (69,698,821) - -‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ 10,870,952 (221,976) 10,870,952 (221,976) ‘π∑√—æ¬å√Õ°“√¢“¬ (26,247,224) (6,679,940) (25,090,566) (6,727,977) ‘π∑√—æ¬åÀ¡ÿπ‡«’¬πÕ◊Ëπ (29,649,642) (25,047,770) (13,766,803) (11,675,916) ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ (2,901,466) (110,615) (4,148,218) (19,365)

Àπ’È ‘π¥”‡π‘πß“π‡æ‘Ë¡¢÷Èπ (≈¥≈ß)‡®â“Àπ’È∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π (926,916) (352,133) (1,204,160) (314,883)Àπ’È ‘πÀ¡ÿπ‡«’¬πÕ◊Ëπ 5,668,453 37,963,557 (3,498,289) 44,892,267‡ß‘π«“ßª√–°—π°“√‡™à“ - 12,401,869 - -‡ß‘π ¥ ÿ∑∏‘„™â‰ª„π°‘®°√√¡¥”‡π‘πß“π (1,682,011,834) (1,238,755,231)(1,348,027,925) (1,029,055,397)


47

√“¬ß“πª√–®”ªï 2548

ß∫°√–· ‡ß‘π ¥ (µàÕ) ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

À¡“¬‡Àµÿ 2548 2547 2548 2547

°√–· ‡ß‘π ¥®“°°‘®°√√¡≈ß∑ÿπ

‡ß‘π ¥®à“¬´◊ÈÕÕÿª°√≥å (16,091,028) (19,803,748) (14,095,286) (19,256,165)‡ß‘π ¥√—∫®“°°“√¢“¬Õÿª°√≥å 1,152,007 1,786,484 667,194 2,240,869‡ß‘π ¥®à“¬´◊ÈÕ‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬ - (499,908,837) - (499,908,837)‡ß‘πªíπº≈√—∫ - - 83,314,973 -

‡ß‘π ¥ ÿ∑∏‘‰¥â¡“®“° („™â‰ª„π) °‘®°√√¡≈ß∑ÿπ (14,939,021) (517,926,101) 69,886,881 (516,924,133)°√–· ‡ß‘π ¥®“°°‘®°√√¡®—¥À“‡ß‘π

‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π‡æ‘Ë¡¢÷Èπ (≈¥≈ß) 149,132,596 1,650,248,330 (254,831,294) 1,440,103,521

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π‡æ‘Ë¡¢÷Èπ 265,000,000 - 235,000,000 -

‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ‡æ‘Ë¡¢÷Èπ 163,000,000 - 163,000,000 -‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

‡æ‘Ë¡¢÷Èπ 1,000,000,000 - 1,000,000,000 -‡ß‘πªíπº≈®à“¬ (69,000,000) - (69,000,000) -‡ß‘π ¥√—∫®“°°“√‡æ‘Ë¡∑ÿπ 204,700,000 115,200,000 204,700,000 115,200,000‡ß‘π ¥®à“¬§à“„™â®à“¬„π°“√ÕÕ°Àÿâπ “¡—≠‡æ‘Ë¡∑ÿπ (8,471,741) - (8,471,741) -

‡ß‘π ¥ ÿ∑∏‘‰¥â¡“®“°°‘®°√√¡®—¥À“‡ß‘π 1,704,360,855 1,765,448,330 1,270,396,965 1,555,303,521‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥‡æ‘Ë¡¢÷Èπ (≈¥≈ß) ÿ∑∏‘ 7,410,000 8,766,998 (7,744,079) 9,323,991‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥µâπªï 16,225,342 6,423,771 15,747,762 6,423,771‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥„π∫√‘…—∑¬àÕ¬ ≥ «—π´◊ÈÕÀÿâπ - 1,034,573 - -‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ª≈“¬ªï 23,635,342 16,225,342 8,003,683 15,747,762

¢âÕ¡Ÿ≈°√–· ‡ß‘π ¥‡ªî¥‡º¬‡æ‘Ë¡‡µ‘¡:‡ß‘π ¥®à“¬√–À«à“ßªï ”À√—∫: -

¥Õ°‡∫’È¬®à“¬ 210,797,029 109,739,908 178,407,663 96,762,336¿“…’‡ß‘π‰¥âπ‘µ‘∫ÿ§§≈ 38,390,668 15,560,110 35,095,199 15,185,461


48

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À¡“¬‡Àµÿª√–°Õ∫ß∫°“√‡ß‘π ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547

1. ¢âÕ¡Ÿ≈∑—Ë«‰ª

∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) (´÷ËßµàÕ‰ªπ’È‡√’¬°«à“ ç∫√‘…—∑œé) ®—¥µ—Èß¢÷Èπ‡ªìπ∫√‘…—∑¡À“™π®”°—¥µ“¡°ÆÀ¡“¬‰∑¬ ∫√‘…—∑œª√–°Õ∫°‘®°“√„πª√–‡∑»‰∑¬‚¥¬¡’∏ÿ√°‘®À≈—°§◊Õ°“√„Àâ∫√‘°“√‡™à“´◊ÈÕ√∂¬πµå‡æ◊ËÕ°“√Õÿª‚¿§∫√‘‚¿§(Consumer Finance)

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ∫√‘…—∑œ¡’∫√‘…—∑ ‰™≈’ ‰ø·ππ å ®”°—¥ ‡ªìπºŸâ∂◊ÕÀÿâπ„À≠à ‚¥¬°“√∂◊ÕÀÿâπ∫√‘…—∑œ∑—Èß∑“ßµ√ß·≈–∑“ßÕâÕ¡

∑’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§√

‡¡◊ËÕ«—π∑’Ë 25 ‘ßÀ“§¡ 2548 µ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬‰¥â√—∫Àÿâπ “¡—≠¢Õß∫√‘…—∑œ‡ªìπÀ≈—°∑√—æ¬å®¥∑–‡∫’¬π

2. ‡°≥±å„π°“√®—¥∑”ß∫°“√‡ß‘π√«¡

ß∫°“√‡ß‘π√«¡π’È‰¥â®—¥∑”¢÷Èπ‚¥¬√«¡ß∫°“√‡ß‘π ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–ß∫°“√‡ß‘π¢Õß∫√‘…—∑¬àÕ¬´÷Ëßª√–°Õ∫¥â«¬ß∫¥ÿ≈ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547·≈–ß∫°”‰√¢“¥∑ÿπ ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– ”À√—∫√Õ∫√–¬–‡«≈“µ—Èß·µà«—π∑’Ë 1 æƒ…¿“§¡ 2547(«—π∑’Ë∫√‘…—∑œ¡’Õ”π“®§«∫§ÿ¡‚¥¬°“√∂◊ÕÀÿâπ‡°‘π°«à“√âÕ¬≈–Àâ“ ‘∫¢ÕßÀÿâπ∑’Ë¡’ ‘∑∏‘ÕÕ°‡ ’¬ß„π∫√‘…—∑¬àÕ¬¥—ß°≈à“«) ∂÷ß«—π∑’Ë31 ∏—π«“§¡ 2547 ´÷Ëß¡’√“¬≈–‡Õ’¬¥¥—ßπ’È: -

Õ—µ√“√âÕ¬≈–¢Õß ‘π∑√—æ¬å¢Õß Õ—µ√“√âÕ¬≈–¢Õß√“¬‰¥â

∫√‘…—∑¬àÕ¬µàÕ ‘π∑√—æ¬å√«¡ ¢Õß∫√‘…—∑¬àÕ¬µàÕ√“¬‰¥â√«¡

∫√‘…—∑¬àÕ¬ Õ—µ√“°“√∂◊ÕÀÿâπ (√âÕ¬≈–) ≥ «—π∑’Ë ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë

31 ∏—π«“§¡ 31 ∏—π«“§¡ 31 ∏—π«“§¡ 31 ∏—π«“§¡ 31 ∏—π«“§¡ 31 ∏—π«“§¡

2548 2547 2548 2547 2548 2547

∫√‘…—∑ °√ÿß‡∑æ·°√π¥å ·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 99.99 99.99 21.44 21.09 23.40 17.74

°àÕπ‡¥◊Õπæƒ…¿“§¡ 2547 ∫√‘…—∑œ‡ªìπ∫√‘…—∑¬àÕ¬¢Õß∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) µàÕ¡“„π«—π∑’Ë 20 æƒ…¿“§¡ 2547 ‰¥â¡’°“√®—¥‚§√ß √â“ß°“√∂◊ÕÀÿâπ¢Õß°≈ÿà¡∫√‘…—∑„À¡à ‚¥¬°≈ÿà¡ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) ‡¢â“∂◊ÕÀÿâπ∫√‘…—∑œ ·≈–∫√‘…—∑œ‡¢â“∂◊ÕÀÿâπ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π)

‡π◊ËÕß®“°∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’§≥–°√√¡°“√·≈–°≈ÿà¡ºŸâ∂◊ÕÀÿâπ‡¥‘¡√à«¡°—π∑—Èß°àÕπ·≈–À≈—ß®“°∑’Ë ∫√‘…—∑œ‡¢â“´◊ÈÕ°‘®°“√¢Õß∫√‘…—∑¬àÕ¬ ¥—ßπ—Èπ ∫√‘…—∑œ®÷ß∫—π∑÷°º≈µà“ß√–À«à“ß¡Ÿ≈§à“µ“¡∫—≠™’¢Õß ‘π∑√—æ¬å ÿ∑∏‘¢Õß∫√‘…—∑¬àÕ¬·≈–√“§“∑ÿπ∑’Ë®à“¬´◊ÈÕ®”π«π 4.2 ≈â“π∫“∑ ‡ªìπ√“¬°“√„π à«π¢ÕßºŸâ∂◊ÕÀÿâπ

¬Õ¥§ß§â“ß√–À«à“ß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ √“¬°“√√–À«à“ß°—π∑’Ë¡’ “√– ”§—≠ ‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬µ“¡∫—≠™’¢Õß∫√‘…—∑œ·≈– à«π¢ÕßºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑¬àÕ¬‰¥âµ—¥ÕÕ°®“°ß∫°“√‡ß‘π√«¡π’È·≈â«

49

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3. π‚¬∫“¬°“√∫—≠™’∑’Ë ”§—≠

ß∫°“√‡ß‘ππ’È®—¥∑”¢÷Èπµ“¡¡“µ√∞“π°“√∫—≠™’¿“¬„µâæ√–√“™∫—≠≠—µ‘«‘™“™’æ∫—≠™’ æ.». 2547π‚¬∫“¬°“√∫—≠™’∑’Ë ”§—≠¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‚¥¬ √ÿª¡’¥—ßµàÕ‰ªπ’È: -

3.1 °“√√—∫√Ÿâ√“¬‰¥â°) √“¬‰¥â®“°¥Õ°º≈‡™à“´◊ÈÕ/√“¬‰¥â®“° —≠≠“‡™à“°“√‡ß‘π

∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬√—∫√Ÿâ√“¬‰¥â®“°¥Õ°º≈‡™à“ ◊ÈÕ·≈–√“¬‰¥â®“° —≠≠“‡™à“°“√‡ß‘πµ“¡Õ—µ√“º≈µÕ∫·∑π∑’Ë·∑â®√‘ßµ“¡√–¬–‡«≈“¢Õß —≠≠“ ‚¥¬®–√—∫√Ÿâ„π«—π∑’Ë∂÷ß°”Àπ¥™”√–§à“ß«¥ ‰¡à«à“®–‡°Á∫‡ß‘π‰¥âÀ√◊Õ‰¡à∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬À¬ÿ¥√—∫√Ÿâ√“¬‰¥â‡¡◊ËÕ≈Ÿ°Àπ’È§â“ß™”√–§à“ß«¥‡°‘π°«à“ 6 ß«¥

¢) √“¬‰¥â®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß∫√‘…—∑¬àÕ¬∫—π∑÷°√“¬‰¥â§à“∏√√¡‡π’¬¡∑’Ë‡°’Ë¬«¢âÕß°—∫°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß‡¡◊ËÕ‰¥â∑” —≠≠“‚Õπ ‘∑∏‘

‡√’¬°√âÕß·≈–√—∫√Ÿâ√“¬‰¥â¥Õ°‡∫’È¬®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕßµ“¡‡°≥±å —¥ à«π¢Õß‡«≈“ ∫√‘…—∑¬àÕ¬À¬ÿ¥√—∫√Ÿâ√“¬‰¥â¥Õ°‡∫’È¬‡¡◊ËÕ≈Ÿ°Àπ’È§â“ß™”√–‡°‘π°«à“ 4 ‡¥◊Õπ

§) √“¬‰¥â§à“‡™à“µ“¡ —≠≠“‡™à“¥”‡π‘πß“π∫√‘…—∑¬àÕ¬√—∫√Ÿâ√“¬‰¥â§à“‡™à“µ“¡ —≠≠“‡™à“¥”‡π‘πß“πµ“¡√–¬–‡«≈“°“√‡™à“

ß) √“¬‰¥â®“°§à“ª√—∫≈à“™â“√“¬‰¥â®“°§à“ª√—∫≈à“™â“√—∫√Ÿâ‡ªìπ√“¬‰¥âµ“¡®”π«π∑’Ë‰¥â√—∫®√‘ß

®) √“¬‰¥â®“°°“√·π–π”≈Ÿ°§â“‡°’Ë¬«°—∫ª√–°—π¿—¬√“¬‰¥â®“°°“√·π–π”≈Ÿ°§â“‡°’Ë¬«°—∫ª√–°—π¿—¬√—∫√Ÿâ‡ªìπ√“¬‰¥âµ“¡‡°≥±å§ß§â“ß

3.2 ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ À¡“¬∂÷ß ‡ß‘π ¥·≈–‡ß‘πΩ“° ∂“∫—π°“√‡ß‘π´÷Ëß∂÷ß°”Àπ¥®à“¬§◊π¿“¬„π

√–¬–‡«≈“‰¡à‡°‘π 3 ‡¥◊Õπ π—∫·µà«—π∑’ËΩ“°·≈–ª√“»®“°¿“√–ºŸ°æ—π

3.3 ≈Ÿ°Àπ’È·≈–§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ —≠≠“‡™à“°“√‡ß‘π ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·≈–‡ß‘π„Àâ°Ÿâ¬◊¡ √–¬– —ÈπÕ◊Ëπ· ¥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≠∫√‘…—∑œµ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ”À√—∫≈Ÿ°Àπ’È‡™à“ ◊ÈÕ·≈–‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπµ“¡º≈¢“¥∑ÿπ ‚¥¬ª√–¡“≥∑’Ë

Õ“®®–‡°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’È ª√– ∫°“√≥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®“°°“√´◊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

3.4 ‘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

50

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3.5 ‡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´◊ÈÕ≈à“ 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· ¥ßµ“¡√“§“∑ÿπ ÿ∑∏‘

®“°§à“‡º◊ËÕ°“√¥âÕ¬§à“ (∂â“¡’)∫√‘…—∑¬àÕ¬®–∫—π∑÷°¢“¥∑ÿπ®“°°“√¥âÕ¬§à“¢Õß‡ß‘π≈ß∑ÿπ„πß∫°”‰√¢“¥∑ÿπ‡¡◊ËÕ¡Ÿ≈§à“‡ß‘π≈ß∑ÿπ≈¥≈ßÕ¬à“ß∂“«√‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬„πß∫°“√‡ß‘π‡©æ“–¢Õß∫√‘…—∑œ· ¥ß¡Ÿ≈§à“µ“¡«‘∏’ à«π‰¥â‡ ’¬ ´÷Ëß°“√∫—π∑÷°µ“¡«‘∏’

à«π‰¥â‡ ’¬π’È ‡ß‘π≈ß∑ÿπ®–∫—π∑÷°§√—Èß·√°„π√“§“∑ÿπ∑’Ë´◊ÈÕ¡“ ·≈–®–∂Ÿ°ª√—∫¥â«¬ à«π‰¥â‡ ’¬¢Õß∫√‘…—∑œ„πº≈°“√¥”‡π‘πß“π·µà≈–ªï¢Õß∫√‘…—∑¬àÕ¬µ“¡Õ—µ√“ à«π°“√≈ß∑ÿπ¢Õß∫√‘…—∑œ

∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬„™â«‘∏’∂—«‡©≈’Ë¬∂à«ßπÈ”Àπ—°„π°“√§”π«≥µâπ∑ÿπ¢Õß‡ß‘π≈ß∑ÿπ

3.6 ∑’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“

‡ ◊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‡§√◊ËÕß®—°√ 5 ªï¬“πæ“Àπ– 5 ªï

‰¡à¡’°“√§‘¥§à“‡ ◊ËÕ¡√“§“ ”À√—∫∑’Ë¥‘π·≈–ß“π√–À«à“ßµ‘¥µ—Èß

3.7 °“√¥âÕ¬§à“¢Õß ‘π∑√—æ¬å∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ Õ∫∑“π°“√¥âÕ¬§à“¢Õß ‘π∑√—æ¬å‡¡◊ËÕ¡’¢âÕ∫àß™’È«à“√“§“µ“¡∫—≠™’¢Õß ‘π∑√—æ¬å¡’¡Ÿ≈§à“

Ÿß°«à“¡Ÿ≈§à“∑’Ë§“¥«à“®–‰¥â√—∫§◊π ¡Ÿ≈§à“∑’Ë§“¥«à“®–‰¥â√—∫§◊πÀ¡“¬∂÷ß√“§“¢“¬ ÿ∑∏‘À√◊Õ¡Ÿ≈§à“®“°°“√„™â¢Õß ‘π∑√—æ¬åπ—Èπ·≈â«·µà®”π«π„¥®– Ÿß°«à“ ´÷Ëß¡Ÿ≈§à“®“°°“√„™â¥—ß°≈à“«¡“®“°°“√ª√–¡“≥°“√¢ÕßΩÉ“¬∫√‘À“√

„π°√≥’∑’Ë√“§“µ“¡∫—≠™’¢Õß ‘π∑√—æ¬å Ÿß°«à“¡Ÿ≈§à“∑’Ë§“¥«à“®–‰¥â√—∫§◊π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–√—∫√Ÿâ¢“¥∑ÿπ®“°°“√¥âÕ¬§à“¢Õß ‘π∑√—æ¬å„πß∫°”‰√¢“¥∑ÿπ ·≈–®–∫—π∑÷°°≈—∫√“¬°“√¢“¥∑ÿπ®“°°“√¥âÕ¬§à“¢Õß ‘π∑√—æ¬å‡¡◊ËÕ¡’¢âÕ∫àß™’È«à“°“√≈¥¡Ÿ≈§à“¥—ß°≈à“«‰¡à¡’Õ¬ŸàÕ’°µàÕ‰ªÀ√◊Õ¬—ß§ß¡’Õ¬Ÿà·µà‡ªìπ‰ª„π∑“ß∑’Ë≈¥≈ß

3.8 ‡ß‘πµ√“µà“ßª√–‡∑»√“¬°“√∑’Ë‡ªìπ‡ß‘πµ√“µà“ßª√–‡∑» ÷Ëß‡°‘¥¢÷Èπ„π√–À«à“ßªï·ª≈ß§à“‡ªìπ‡ß‘π∫“∑‚¥¬„™âÕ—µ√“ ·≈°‡ª≈’Ë¬π ≥ «—π∑’Ë

∑’Ë‡°‘¥√“¬°“√ ‘π∑√—æ¬å·≈–Àπ’È ‘π∑’Ë‡ªìπµ—«‡ß‘π∑’Ë‡ªìπ‡ß‘πµ√“µà“ßª√–‡∑»§ß‡À≈◊Õ ≥ «—π∑’Ë„πß∫¥ÿ≈·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‰¥â√«¡Õ¬Ÿà„π°“√§”π«≥º≈°“√¥”‡π‘πß“π

51

√“¬ß“πª√–®”ªï 2548

3.9 °”‰√µàÕÀÿâπ°”‰√µàÕÀÿâπ¢—Èπæ◊Èπ∞“π§”π«≥‚¥¬°“√À“√°”‰√ ÿ∑∏‘ ”À√—∫ªï¥â«¬®”π«π∂—«‡©≈’Ë¬∂à«ßπÈ”Àπ—°¢ÕßÀÿâπ “¡—≠

∑’Ë∂◊Õ‚¥¬∫ÿ§§≈¿“¬πÕ°∑’ËÕÕ°Õ¬Ÿà„π√–À«à“ßªï

3.10 º≈ª√–‚¬™πå¢Õßæπ—°ß“π∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬·≈–æπ—°ß“π‰¥â√à«¡°—π®¥∑–‡∫’¬π®—¥µ—Èß°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æµ“¡æ√–√“™∫—≠≠—µ‘

°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ æ.». 2530 ÷Ëßª√–°Õ∫¥â«¬‡ß‘π∑’Ëæπ—°ß“π®à“¬ – ¡·≈–‡ß‘π∑’Ë∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®à“¬ ¡∑∫„Àâ„πÕ—µ√“√âÕ¬≈– 5 ¢Õß‡ß‘π‡¥◊Õπ °Õß∑ÿπ ”√Õß‡≈’È¬ß™’æπ’È∫√‘À“√‚¥¬∫√‘…—∑À≈—°∑√—æ¬å®—¥°“√°Õß∑ÿπ øîπ—π´à“®”°—¥ ‡ß‘π®à“¬ ¡∑∫°Õß∑ÿπœ∫—π∑÷°‡ªìπ§à“„™â®à“¬„πªï∑’Ë‡°‘¥√“¬°“√

3.11 °“√„™âª√–¡“≥°“√∑“ß∫—≠™’„π°“√®—¥∑”ß∫°“√‡ß‘πµ“¡À≈—°°“√∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª „π∫“ß°√≥’ΩÉ“¬∫√‘À“√Õ“®µâÕß„™â°“√ª√–¡“≥°“√

√“¬°“√∫—≠™’∫“ß√“¬°“√ ´÷Ëß¡’º≈°√–∑∫µàÕ®”π«π‡ß‘π∑’Ë· ¥ß„πß∫°“√‡ß‘π·≈–À¡“¬‡Àµÿª√–°Õ∫ß∫°“√‡ß‘π ¥â«¬‡Àµÿπ’Èº≈∑’Ë‡°‘¥¢÷Èπ®√‘ß„π¿“¬À≈—ßÕ“®·µ°µà“ß‰ª®“°®”π«π∑’Ëª√–¡“≥‰«â

4. °“√‡ª≈’Ë¬π·ª≈ßπ‚¬∫“¬°“√∫—≠™’

„πªï 2547 ∫√‘…—∑œ√—∫√Ÿâ·≈–«—¥¡Ÿ≈§à“‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π∑’Ë‡ªìπÕπÿæ—π∏å∑“ß°“√‡ß‘π ‰¥â·°à —≠≠“·≈°‡ª≈’Ë¬πÕ—µ√“¥Õ°‡∫’È¬ ‚¥¬Õâ“ßÕ‘ß®“°¡“µ√∞“π°“√∫—≠™’√–À«à“ßª√–‡∑» ∑—Èßπ’È ‡π◊ËÕß®“°¬—ß‰¡à¡’¡“µ√∞“π°“√∫—≠™’¢Õß‰∑¬§√Õ∫§≈ÿ¡∂÷ß∫√‘…—∑œ¡’π‚¬∫“¬„π°“√∫—π∑÷°∫—≠™’ ”À√—∫ —≠≠“·≈°‡ª≈’Ë¬πÕ—µ√“¥Õ°‡∫’È¬¥—ßµàÕ‰ªπ’È1. —≠≠“·≈°‡ª≈’Ë¬πÕ—µ√“¥Õ°‡∫’È¬‡æ◊ËÕ°“√ªÑÕß°—π§«“¡‡ ’Ë¬ß®“°¡Ÿ≈§à“¬ÿµ‘∏√√¡

∫√‘…—∑œ∫—π∑÷°°”‰√À√◊Õ¢“¥∑ÿπ®“°°“√ª√—∫¡Ÿ≈§à“„Àâ‡ªìπ¡Ÿ≈§à“¬ÿµ‘∏√√¡¢Õß‡§√◊ËÕß¡◊ÕªÑÕß°—π§«“¡‡ ’Ë¬ß·≈–¢Õß√“¬°“√∑’ËµâÕßªÑÕß°—π§«“¡‡ ’Ë¬ß„πß∫°”‰√¢“¥∑ÿπ

2. —≠≠“·≈°‡ª≈’Ë¬πÕ—µ√“¥Õ°‡∫’È¬‡æ◊ËÕ°“√ªÑÕß°—π§«“¡‡ ’Ë¬ß¥â“π°√–· ‡ß‘π ¥„πÕπ“§µ∫√‘…—∑œ∫—π∑÷°º≈µà“ß√–À«à“ß¡Ÿ≈§à“µ“¡ —≠≠“°—∫¿“√–®“° —≠≠“´÷Ëßµ’¡Ÿ≈§à“¬ÿµ‘∏√√¡‚¥¬°“√ §‘¥≈¥°√–·

‡ß‘π ¥ ‚¥¬æ‘®“√≥“Õ—µ√“¥Õ°‡∫’È¬ª√–¡“≥°“√„πÕπ“§µ‰ªµ≈Õ¥Õ“¬ÿ —≠≠“∑’Ë‡À≈◊ÕÕ¬Ÿà„π à«π¢ÕßºŸâ∂◊ÕÀÿâπ„π°√≥’∑’Ë°“√ªÑÕß°—π§«“¡‡ ’Ë¬ß¥—ß°≈à“«¡’ª√– ‘∑∏‘º≈ ·≈–®–∫—π∑÷°º≈µà“ß¥—ß°≈à“«„πß∫°”‰√¢“¥∑ÿπÀ“°°“√ªÑÕß°—π§«“¡‡ ’Ë¬ßπ—Èπ‰¡à¡’ª√– ‘∑∏‘º≈

„π°√≥’∑’Ë°“√ªÑÕß°—π§«“¡‡ ’Ë¬ß‰¡à‡¢â“‡ß◊ËÕπ‰¢∑’Ë∫√‘…—∑œ®– “¡“√∂π”°“√∫—≠™’ªÑÕß°—π§«“¡‡ ’Ë¬ß¡“ªØ‘∫—µ‘µ“¡‰¥â∫√‘…—∑œ®–√—∫√Ÿâ√“¬°“√°”‰√·≈–¢“¥∑ÿπ∑’Ë¬—ß‰¡à‡°‘¥¢÷Èπ ÷Ëß‡°‘¥®“°°“√ª√—∫¡Ÿ≈§à“¬ÿµ‘∏√√¡¢Õß —≠≠“·≈°‡ª≈’Ë¬πÕ—µ√“¥Õ°‡∫’È¬„πß∫°”‰√¢“¥∑ÿπ

„πªï 2548 ∫√‘…—∑œ‰¥â¬°‡≈‘°°“√ªØ‘∫—µ‘µ“¡π‚¬∫“¬°“√∫—≠™’ ”À√—∫Õπÿæ—π∏å∑“ß°“√‡ß‘π¥—ß°≈à“«¢â“ßµâπ ∑—Èßπ’È ‡æ◊ËÕ„Àâ¢âÕ¡Ÿ≈∑“ß°“√‡ß‘π¢Õß∫√‘…—∑œ “¡“√∂‡ª√’¬∫‡∑’¬∫°—π‰¥â°—∫∫√‘…—∑Õ◊Ëπ„πÕÿµ “À°√√¡‡¥’¬«°—π À“°∫√‘…—∑œ∂◊ÕªØ‘∫—µ‘µ“¡π‚¬∫“¬°“√∫—≠™’‡¥‘¡ ∫√‘…—∑œ®–µâÕß∫—π∑÷°√“¬°“√¢“¥∑ÿπ ÿ∑∏‘∑’Ë¬—ß‰¡à‡°‘¥¢÷Èπ®”π«πª√–¡“≥ 14.5 ≈â“π∫“∑ ®“°°“√ª√—∫¡Ÿ≈§à“¢Õß —≠≠“·≈°‡ª≈’Ë¬πÕ—µ√“¥Õ°‡∫’È¬„Àâ‡ªìπ¡Ÿ≈§à“¬ÿµ‘∏√√¡„πß∫°”‰√¢“¥∑ÿπ¢Õßªï 2548

52

ÿ ¥ À— « „ ® „ Àâ ∫ √‘ ° “ √

5. ≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“ ◊ÈÕ

5.1 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ≈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 √«¡

2548 2547 2548 2547 2548 2547

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ 3,096,240,542 2,311,091,180 4,476,016,646 3,251,413,018 7,572,257,188 5,562,504,198

À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ

‡ªìπ√“¬‰¥â (470,063,638) (349,026,513) (403,790,042) (302,029,260) (873,853,680) (651,055,773)

√«¡ 2,626,176,904 1,962,064,667 4,072,226,604 2,949,383,758 6,698,403,508 4,911,448,425

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (59,304,176) (45,103,860) - - (59,304,176) (45,103,860)

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘ 2,566,872,728 1,916,960,807 4,072,226,604 2,949,383,758 6,639,099,332 4,866,344,565

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ ≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ


2548 2547 2548 2547 2548 2547

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ 2,761,403,158 2,159,532,179 4,150,212,961 3,146,922,557 6,911,616,119 5,306,454,736

À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ

‡ªìπ√“¬‰¥â (428,188,002) (335,669,474) (375,764,390) (290,994,137) (803,952,392) (626,663,611)

√«¡ 2,333,215,156 1,823,862,705 3,774,448,571 2,855,928,420 6,107,663,727 4,679,791,125

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (46,303,984) (39,265,398) - - (46,303,984) (39,265,398)

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘ 2,286,911,172 1,784,597,307 3,774,448,571 2,855,928,420 6,061,359,743 4,640,525,727

5.2 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 31 ∏—π«“§¡ 2547 ≈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“–∫√‘…—∑œ

√–¬–‡«≈“§â“ß™”√– 2548 2547 2548 2547

¬—ß‰¡à∂÷ß°”Àπ¥™”√– 6,179,661,654 4,555,430,175 5,604,423,610 4,327,488,420

§â“ß™”√– 1 ß«¥ - 3 ß«¥ 461,382,041 331,907,231 450,397,267 331,867,458

§â“ß™”√– 4 ß«¥ - 6 ß«¥ 30,987,514 13,937,790 30,987,514 13,877,367

§â“ß™”√– 7 ß«¥ - 12 ß«¥ 18,627,753 3,612,092 18,589,149 3,612,092

§â“ß™”√–‡°‘π°«à“ 12 ß«¥¢÷Èπ‰ª 7,744,546 6,561,137 3,266,187 2,945,788

√«¡ 6,698,403,508 4,911,448,425 6,107,663,727 4,679,791,125

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (59,304,176) (45,103,860) (46,303,984) (39,265,398)

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘ 6,639,099,332 4,866,344,565 6,061,359,743 4,640,525,727

53

√“¬ß“πª√–®”ªï 2548

5.3 ‡¡◊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“°∫√‘…—∑œµâÕßªØ‘∫—µ‘µ“¡·π«∑“ß¥—ß°≈à“« ‚¥¬‰¡àæ‘®“√≥“∂÷ß ”√Õß∑—Ë«‰ª ∫√‘…—∑œµâÕß∫—π∑÷°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‡æ‘Ë¡¢÷Èπ‡ªìπ®”π«π‡ß‘πª√–¡“≥ 6.54 ≈â“π∫“∑ ·≈–µâÕß√—∫√Ÿâ√“¬‰¥âµË”≈ß‡ªìπ®”π«π‡ß‘πª√–¡“≥0.37 ≈â“π∫“∑

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«“§¡ 2548∫√‘…—∑œ‰¥âµ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“ ◊ÈÕ‚¥¬‡©≈’Ë¬„πÕ—µ√“√âÕ¬≈– 0.76 ¢Õß¬Õ¥§ß‡À≈◊Õ¢Õß≈Ÿ°Àπ’È¥—ß°≈à“« ‚¥¬‰¡àÀ—°À≈—°ª√–°—π´÷Ëß Ÿß°«à“Õ—µ√“√âÕ¬≈– 0.65 ´÷Ëß‡ªìπÕ—µ√“§«“¡‡ ’¬À“¬®“°°“√‡°Á∫Àπ’È∑’Ë‡°‘¥¢÷Èπ„π√–À«à“ßªï 2545 ∂÷ß 31 ∏—π«“§¡ 2548 ¢Õß≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ§ß‡À≈◊Õ ≥ «—π ‘Èπªï 2544

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ¬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√–¡“≥ 29.47 ≈â“π∫“∑ (2547: 11.37 ≈â“π∫“∑)

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑¬àÕ¬√«¡∑—Èß≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“°“√‡ß‘π·≈–≈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

5.4 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ∫√‘…—∑œ‰¥â‚Õπ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ (°àÕπÀ—°¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”π«π 698.91 ≈â“π∫“∑ ·≈– 936.97 ≈â“π∫“∑ µ“¡≈”¥—∫ ‡æ◊ËÕ §È”ª√–°—π«ß‡ß‘π ‘π‡™◊ËÕ∑’Ë‰¥â√—∫®“°∏π“§“√æ“≥‘™¬åµ“¡∑’Ë°≈à“«‰«â„πÀ¡“¬‡Àµÿ 14

5.5 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“ ◊ÈÕ∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â ( ÿ∑∏‘®“°¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”π«π√«¡ 26.48 ≈â“π∫“∑·≈– 12.57 ≈â“π∫“∑ µ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ:24.38 ≈â“π∫“∑·≈– 12.33 ≈â“π∫“∑ µ“¡≈”¥—∫)

54

ÿ ¥ À— « „ ® „ Àâ ∫ √‘ ° “ √

6. ≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“°“√‡ß‘π

6.1 ≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“°“√‡ß‘π ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ª√–°Õ∫¥â«¬(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“°“√‡ß‘π ≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“°“√‡ß‘π


2548 2547 2548 2547 2548 2547

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“°“√‡ß‘π 370,559,360 375,112,892 338,297,926 410,923,151 708,857,286 786,036,043

À—°: ¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â (47,812,722) (56,288,974) (25,061,686) (35,943,467) (72,874,408) (92,232,441)

322,746,638 318,823,918 313,236,240 374,979,684 635,982,878 693,803,602

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (15,519,610) (7,100,167) - - (15,519,610) (7,100,167)

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“°“√‡ß‘π - ÿ∑∏‘ 307,227,028 311,723,751 313,236,240 374,979,684 620,463,268 686,703,435

6.2 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ≈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√«¡

√–¬–‡«≈“°“√§â“ß™”√– 2548 2547

¬—ß‰¡à∂÷ß°”Àπ¥™”√– 611,900,965 668,286,925

§â“ß™”√– 1 ß«¥ - 3 ß«¥ 17,933,535 11,731,196

§â“ß™”√– 4 ß«¥ - 6 ß«¥ 1,547,785 5,086,332

§â“ß™”√– 7 ß«¥ - 12 ß«¥ 138,676 956,924

§â“ß™”√–‡°‘π°«à“ 12 ß«¥¢÷Èπ‰ª 4,461,917 7,742,225

√«¡ 635,982,878 693,803,602

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (15,519,610) (7,100,167)

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“°“√‡ß‘π - ÿ∑∏‘ 620,463,268 686,703,435

6.3 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈–. 2547 ∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“°“√‡ß‘π∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â ( ÿ∑∏‘®“°¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”π«π√«¡ 2.79 ≈â“π∫“∑ ·≈– 4.94 ≈â“π∫“∑ µ“¡≈”¥—∫

55

√“¬ß“πª√–®”ªï 2548

7. ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß

7.1 ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 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 √«¡

2548 2547 2548 2547 2548 2547

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 497,078,068 351,951,828 26,693,348 31,117,064 523,771,416 383,068,892

À—°: ‡®â“Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß (105,368,527) (67,738,595) - - (105,368,527) (67,738,595)

À—°: ¥Õ°‡∫’È¬√—∫√Õµ—¥∫—≠™’ (2,457,186) (2,549,655) (1,767,964) (2,202,749) (4,225,150) (4,752,404)

389,252,355 281,663,578 24,925,384 28,914,315 414,177,739 310,577,893

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (8,086,701) (6,406,568) - - (8,086,701) (6,406,568)

≈Ÿ°Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ 381,165,654 275,257,010 24,925,384 28,914,315 406,091,038 304,171,325

7.2 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ ®”·π°µ“¡Õ“¬ÿÀπ’È‰¥â¥—ßπ’È(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡

√–¬–‡«≈“§â“ß™”√– 2548 2547

¬—ß‰¡à∂÷ß°”Àπ¥™”√– 397,456,864 305,862,758

§â“ß™”√– 1 ‡¥◊Õπ - 3 ‡¥◊Õπ 12,225,046 -

§â“ß™”√– 4 ‡¥◊Õπ - 6 ‡¥◊Õπ - -

§â“ß™”√– 7 ‡¥◊Õπ - 12 ‡¥◊Õπ - 4,398,824

§â“ß™”√–‡°‘π°«à“ 12 ‡¥◊Õπ¢÷Èπ‰ª 4,495,829 316,311

√«¡ 414,177,739 310,577,893

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (8,086,701) (6,406,568)

≈Ÿ°Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ 406,091,038 304,171,325

7.3 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ∫√‘…—∑¬àÕ¬‰¥â‚Õπ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß (°àÕπÀ—°‡®â“Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·≈–¥Õ°‡∫’È¬√—∫√Õµ—¥∫—≠™’) ®”π«π 155.47 ≈â“π∫“∑ ·≈– 168.90 ≈â“π∫“∑ µ“¡≈”¥—∫‡æ◊ËÕ§È”ª√–°—π«ß‡ß‘π ‘π‡™◊ËÕ∑’Ë‰¥â√—∫®“°∏π“§“√æ“≥‘™¬åµà“ßª√–‡∑»·ÀàßÀπ÷Ëßµ“¡∑’Ë°≈à“«‰«â„πÀ¡“¬‡Àµÿ 14

56

ÿ ¥ À— « „ ® „ Àâ ∫ √‘ ° “ √

8. ‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ· ¥ß‰¥â¥—ßπ’È(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡/

ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

2548 2547

‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ 7,713,219 18,688,480

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (1,017,278) (882,586)

‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ - ÿ∑∏‘ 6,695,941 17,805,894

9. ‘π∑√—æ¬å√Õ°“√¢“¬

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ‘π∑√—æ¬å√Õ°“√¢“¬· ¥ß‰¥â¥—ßπ’È(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

2548 2547 2548 2547

‘π∑√—æ¬å¬÷¥§◊π 11,189,694 2,097,926 10,761,504 2,097,926

À—°: §à“‡º◊ËÕ°“√≈¥¡Ÿ≈§à“ (1,637,183) (337,970) (1,637,184) (337,970)

‘π∑√—æ¬å√Õ°“√¢“¬ - ÿ∑∏‘ 9,552,511 1,759,956 9,124,320 1,759,956

10. ‡ß‘π≈ß∑ÿπ ÷Ëß∫—π∑÷°‚¥¬«‘∏’ à«π‰¥â‡ ’¬

‡ß‘π≈ß∑ÿπ´÷Ëß∫—π∑÷°‚¥¬«‘∏’ à«π‰¥â‡ ’¬ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ª√–°Õ∫¥â«¬(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

2548 2547

∫√‘…—∑¬àÕ¬ ª√–‡¿∑°‘®°“√ ∑ÿπ™”√–·≈â« —¥ à«π‡ß‘π≈ß∑ÿπ «‘∏’√“§“∑ÿπ «‘∏’ à«π‰¥â‡ ’¬ «‘∏’√“§“∑ÿπ «‘∏’ à«π‰¥â‡ ’¬

(∫“∑) (√âÕ¬≈–)

∫√‘…—∑ ‡™à“´◊ÈÕ ≈’ ´‘Ëß·≈– 438,500,000 99.99 499,908,837 508,842,980 499,908,837 534,416,583

°√ÿß‡∑æ·°√π¥å √—∫´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß

·ª ‘øî§≈’ ®”°—¥ ®“°≈Ÿ°Àπ’È

(¡À“™π)

„π√–À«à“ßªï 2548 ∫√‘…—∑œ‰¥â√—∫‡ß‘πªíπº≈®“°∫√‘…—∑¬àÕ¬®”π«π 83,314,973 ∫“∑

57

√“¬ß“πª√–®”ªï 2548

11. ‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ· ¥ß‰¥â¥—ßπ’È(Àπà«¬: ∫“∑)

∑ÿπ —¥ à«π ß∫°“√‡ß‘π√«¡

ª√–‡¿∑°‘®°“√ ™”√–·≈â« ‡ß‘π≈ß∑ÿπ 2548 2547

(∫“∑) (√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 (789,280) (777,760)

√«¡‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ - ÿ∑∏‘ 350,720 362,240

12. ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡

‡§√◊ËÕßµ°·µàß

µ‘¥µ—Èß·≈– Õÿª°√≥å

∑’Ë¥‘π Õ“§“√ Õÿª°√≥å ¬“πæ“Àπ– ‡§√◊ËÕß®—°√ √–À«à“ßµ‘¥µ—Èß √«¡

√“§“∑ÿπ

31 ∏—π«“§¡ 2547 2,430,000 6,770,000 56,829,421 25,137,926 14,000,000 17,712,298 122,879,645

´◊ÈÕ - - 11,095,976 4,676,365 - - 15,772,341

®”Àπà“¬ - - (526,162) (1,020,282) - - (1,546,444)

31 ∏—π«“§¡ 2548 2,430,000 6,770,000 67,399,235 28,794,009 14,000,000 17,712,298 137,105,542

§à“‡ ◊ËÕ¡√“§“ – ¡

31 ∏—π«“§¡ 2547 - 3,407,570 43,275,611 13,909,159 4,410,967 - 65,003,307

§à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï - 338,500 5,282,123 4,080,629 2,800,005 - 12,501,257

§à“‡ ◊ËÕ¡√“§“ ”À√—∫

à«π∑’Ë®”Àπà“¬ - - (522,286) (997,974) - - (1,520,260)

31 ∏—π«“§¡ 2548 - 3,746,070 48,035,448 16,991,814 7,210,972 - 75,984,304

¡Ÿ≈§à“ ÿ∑∏‘µ“¡∫—≠™’

31 ∏—π«“§¡ 2547 2,430,000 3,362,430 13,553,810 11,228,767 9,589,033 17,712,298 57,876,338

31 ∏—π«“§¡ 2548 2,430,000 3,023,930 19,363,787 11,802,195 6,789,028 17,712,298 61,121,238

§à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï

2547 11,101,205

2548 12,501,257

58

ÿ ¥ À— « „ ® „ Àâ ∫ √‘ ° “ √

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

‡§√◊ËÕßµ°·µàß

µ‘¥µ—Èß·≈– Õÿª°√≥å

∑’Ë¥‘π Õ“§“√ Õÿª°√≥å ¬“πæ“Àπ– √–À«à“ßµ‘¥µ—Èß √«¡

√“§“∑ÿπ

31 ∏—π«“§¡ 2547 2,430,000 6,770,000 41,328,652 17,140,994 14,169,609 81,839,255

´◊ÈÕ - - 9,418,919 4,676,366 - 14,095,285

®”Àπà“¬ - - (159,038) (752,095) - (911,133)

31 ∏—π«“§¡ 2548 2,430,000 6,770,000 50,588,533 21,065,265 14,169,609 95,023,407

§à“‡ ◊ËÕ¡√“§“ – ¡

31 ∏—π«“§¡ 2547 - 3,407,570 29,414,723 8,839,888 - 41,662,181

§à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï - 338,500 4,511,863 3,282,936 - 8,133,299

§à“‡ ◊ËÕ¡√“§“ ”À√—∫

à«π∑’Ë®”Àπà“¬ - - (155,162) (752,095) - (907,257)

31 ∏—π«“§¡ 2548 - 3,746,070 33,771,424 11,370,729 - 48,888,223

¡Ÿ≈§à“ ÿ∑∏‘µ“¡∫—≠™’

31 ∏—π«“§¡ 2547 2,430,000 3,362,430 11,913,929 8,301,106 14,169,609 40,177,074

31 ∏—π«“§¡ 2548 2,430,000 3,023,930 16,817,109 9,694,536 14,169,609 46,135,184

§à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï

2547 6,932,073

2548 8,133,299

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’Õÿª°√≥å®”π«πÀπ÷Ëß´÷Ëßµ—¥§à“‡ ◊ËÕ¡√“§“À¡¥·≈â«·µà¬—ß„™âß“πÕ¬Ÿà √“§“∑ÿπ°àÕπÀ—°§à“‡ ◊ËÕ¡√“§“ – ¡¢ÕßÕÿª°√≥å¥—ß°≈à“«¡’®”π«π‡ß‘π 40.20 ≈â“π∫“∑ ·≈– 38.24 ≈â“π∫“∑µ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ: 24.69 ≈â“π∫“∑ ·≈– 23.72 ≈â“π∫“∑ µ“¡≈”¥—∫)

13. ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ·≈– —≠≠“‡™à“°“√‡ß‘π®”π«π√«¡ 92.72 ≈â“π∫“∑ ·≈– 95.47 ≈â“π∫“∑ µ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ¡’≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“ ◊ÈÕ®”π«π 22.32 ≈â“π∫“∑·≈– 22.22 ≈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·≈–∫√‘…—∑¬àÕ¬‰¥âµ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‰«â‡µÁ¡®”π«π ”À√—∫≈Ÿ°Àπ’È¥—ß°≈à“«·≈â«

59

√“¬ß“πª√–®”ªï 2548

14. ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π· ¥ß‰¥â¥—ßπ’È(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

2548 2547 2548 2547

‡ß‘π‡∫‘°‡°‘π∫—≠™’ 57,734,011 23,601,414 53,770,120 23,601,414

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π 4,195,000,000 4,080,000,000 3,355,000,000 3,640,000,000

√«¡ 4,252,734,011 4,103,601,414 3,408,770,120 3,663,601,414

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ‡ªìπ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑®“° ∂“∫—π°“√‡ß‘πÀ≈“¬·Ààß ´÷Ëß§‘¥¥Õ°‡∫’È¬„πÕ—µ√“√âÕ¬≈– 3.25 - 5.85µàÕªï (2547: √âÕ¬≈– 2.25 - 5.28 µàÕªï)

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ¥—ß°≈à“«¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬§È”ª√–°—π‚¥¬ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑œ ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß¢Õß∫√‘…—∑¬àÕ¬µ“¡∑’Ë°≈à“«„πÀ¡“¬‡Àµÿ¢âÕ 5.4 ·≈– 7.3 ·≈– StandbyLetter of Credit ®“°∏π“§“√æ“≥‘™¬åµà“ßª√–‡∑»∑’Ë‡°’Ë¬«¢âÕß°—π·ÀàßÀπ÷Ëß·≈–§È”ª√–°—π‚¥¬∫√‘…—∑ ‰™≈’ ‰ø·ππ´å ®”°—¥(2547: §È”ª√–°—π‚¥¬≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑œ ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß®“°∫√‘…—∑¬àÕ¬ ·≈– StandbyLetter of Credit ®“°∏π“§“√æ“≥‘™¬åµà“ßª√–‡∑»·ÀàßÀπ÷Ëß·≈–∏π“§“√æ“≥‘™¬åµà“ßª√–‡∑»∑’Ë‡°’Ë¬«¢âÕß°—π·ÀàßÀπ÷Ëß)

15. ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ

‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπª√–°Õ∫¥â«¬µ—Î« —≠≠“„™â‡ß‘π∑’Ë∫√‘…—∑œÕÕ°„Àâ·°à∫√‘…—∑·≈–∫ÿ§§≈®”π«πÀπ÷Ëß ‡ß‘π°Ÿâ¬◊¡π’È‰¡à¡’À≈—°ª√–°—π·≈–§‘¥¥Õ°‡∫’È¬„πÕ—µ√“√âÕ¬≈– 4.25 - 4.60 µàÕªï

16. √“¬°“√∏ÿ√°‘®°—∫∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

„π√–À«à“ßªï ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’√“¬°“√∏ÿ√°‘®∑’Ë ”§—≠°—∫∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π ÷Ëß‡°’Ë¬«¢âÕß°—π‚¥¬°“√∂◊ÕÀÿâπ °“√¡’ºŸâ∂◊ÕÀÿâπ·≈–/À√◊Õ¡’°√√¡°“√√à«¡°—π √“¬°“√∏ÿ√°‘®¥—ß°≈à“« “¡“√∂ √ÿª‰¥â¥—ßπ’È

(Àπà«¬: ∫“∑)

”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ π‚¬∫“¬°“√°”Àπ¥√“§“

2548 2547 2548 2547

∫√‘…—∑¬àÕ¬

√“¬‰¥â§à“∫√‘À“√®—¥°“√ - - 4.92 4.44 µâπ∑ÿπ∫«°°”‰√ à«π‡æ‘Ë¡„π

Õ—µ√“√âÕ¬≈– 5

¢“¥∑ÿπ®“°°“√¢“¬ ‘π∑√—æ¬å

√Õ°“√¢“¬ - - 0.08 - √“§“µ≈“¥

°”‰√®“°°“√¢“¬Õÿª°√≥å - - - 1.78 √“§“µ≈“¥

∫ÿ§§≈À√◊Õ°‘®°“√Õ◊Ëπ∑’Ë‡°’Ë¬«¢âÕß°—π

√“¬‰¥â§à“∏√√¡‡π’¬¡

Chailease Credit Service Co., Ltd. 0.69 0.46 - - µ“¡ —≠≠“∑’Ëµ°≈ß√à«¡°—π ÷Ëß

‡ªìπ‰ªµ“¡ª°µ‘∑—Ë«‰ª¢Õß∏ÿ√°‘®

°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß

60

ÿ ¥ À— « „ ® „ Àâ ∫ √‘ ° “ √

(Àπà«¬: ≈â“π∫“∑)

”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ π‚¬∫“¬°“√°”Àπ¥√“§“

2548 2547 2548 2547

§à“‡™à“·≈–∫√‘°“√

°Õß∑ÿπ∫√‘À“√ ‘π∑√—æ¬å “∏√ 9.41 7.06 6.61 5.28 µ“√“ß‡¡µ√≈– 425 - 500 ∫“∑ ´÷Ëß

´‘µ’È∑“«‡«Õ√å ‡ªìπ‰ªµ“¡ª°µ‘∏ÿ√°‘®

°Õß∑ÿπ√«¡∫“ß°Õ°°“√å‡¥π∑å 0.36 0.36 0.36 0.36 ‡¥◊Õπ≈– 30,000 ∫“∑

9.77 7.42 6.97 5.64

¥Õ°‡∫’È¬®à“¬

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 106.83 64.81 86.85 56.04

China Trust Commercial Bank - 2.41 - 2.36

Mr. Jeffrey Koo 2.88 1.94 - -

Õ◊ËπÊ 5.33 0.40 4.42 -

115.04 69.56 91.27 58.40 √âÕ¬≈– 2.00 - 6.75 µàÕªï

(2547: √âÕ¬≈– 2.00 - 6.00 µàÕªï)

´◊ÈÕÕÿª°√≥å

My Funding Corporation - 11.35 - 7.81 √“§“µ≈“¥

§à“∏√√¡‡π’¬¡ Standby Letter of

Credit ·≈–°“√§È”ª√–°—π

China Trust Commercial Bank 17.47 15.24 17.14 15.04 √âÕ¬≈– 1.25 µàÕªï

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 0.59 0.31 - - √âÕ¬≈– 1.50 µàÕªï

18.06 15.55 17.14 15.04

ºŸâ∂◊ÕÀÿâπ„À≠à

§à“∑’Ëª√÷°…“ 3.53 3.53 2.31 2.72 µ“¡ —≠≠“∑’Ëµ°≈ß√à«¡°—π

§à“∏√√¡‡π’¬¡°“√§È”ª√–°—π 0.76 - 0.76 - √âÕ¬≈– 0.35 µàÕªï

61

√“¬ß“πª√–®”ªï 2548

≈—°…≥–§«“¡ —¡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∫√‘…—∑ °√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∫√‘…—∑œMr. Jeffrey Koo ºŸâ°àÕµ—Èß∏ÿ√°‘®¢Õß°≈ÿà¡µ√–°Ÿ≈§ŸMy Funding Corporation ¡’ºŸâ∂◊ÕÀÿâπ„À≠à·≈–°√√¡°“√√à«¡°—π°—∫∫√‘…—∑œChailease Finance Co., Ltd. ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑œChailease Credit Service Co., Ltd. ∫√‘…—∑∑’Ë‡°’Ë¬«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑œ°Õß∑ÿπ∫√‘À“√ ‘π∑√—æ¬å “∏√ ‘µ’È∑“«‡«Õ√å °‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ°Õß∑ÿπ√«¡∫“ß°Õ°°“√å‡¥π∑å °‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ°Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈— ∂“∫—πªíπº≈ ∫√‘À“√‚¥¬∫√‘…—∑¬àÕ¬¢ÕßºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ°Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈— ∑«’‡ß‘πÕÕ¡ 1 ∫√‘À“√‚¥¬∫√‘…—∑¬àÕ¬¢ÕßºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ°Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈— ∑«’‡ß‘πÕÕ¡ 2 ∫√‘À“√‚¥¬∫√‘…—∑¬àÕ¬¢ÕßºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ°Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈— Õπ—πµ∑√—æ¬å ∫√‘À“√‚¥¬∫√‘…—∑¬àÕ¬¢ÕßºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ¥√. Õÿ¥¡»—°¥‘Ï ™“§√’¬«≥‘™¬å °√√¡°“√¢ÕßºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œChinatrust Commercial Bank ∫√‘…—∑∑’Ë‡°’Ë¬«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑œ

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ∫√‘…—∑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“–∫√‘…—∑œ

2548 2547 2548 2547

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 18,648,077 9,746,906 3,385,569 9,516,124

§à“∏√√¡‡π’¬¡®à“¬≈à«ßÀπâ“

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 246,575 154,532 - -

Chinatrust Commercial Bank 948,608 2,647,512 948,608 2,617,593

√«¡ 1,195,183 2,802,044 948,608 2,617,593

¥Õ°‡∫’È¬®à“¬≈à«ßÀπâ“

°Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈— ∑«’‡ß‘πÕÕ¡ 2 1,227,432 - 1,227,432 -

‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ

®“° ∂“∫—π°“√‡ß‘π

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 1,997,734,010 1,438,601,414 1,473,770,120 1,133,601,414

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√

∑’Ë‡°’Ë¬«¢âÕß°—π

∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) 60,000,000 30,000,000 - -

°Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈— ∑«’‡ß‘πÕÕ¡ 2 150,000,000 - 150,000,000 -

°Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈— ∂“∫—πªíπº≈ 30,000,000 - 30,000,000 -

°Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈— Õπ—πµ∑√—æ¬å 10,000,000 - 10,000,000 -

∫ÿ§§≈Õ◊Ëπ∑’Ë‡°’Ë¬«¢âÕß°—π 45,000,000 - 45,000,000 -

√«¡ 295,000,000 30,000,000 235,000,000 -

62

ÿ ¥ À— « „ ® „ Àâ ∫ √‘ ° “ √

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

2548 2547 2548 2547

‡®â“Àπ’È∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

∫ÿ§§≈Õ◊Ëπ∑’Ë‡°’Ë¬«¢âÕß°—π 250,627 244,942 5,685 -

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 4,218,868 5,917,058 3,007,562 4,982,996

Chailease Finance Co., Ltd. 765,589 - 765,589 -

√«¡ 5,235,084 6,162,000 3,778,836 4,982,996

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π‡ªìπ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑ ‰¡à¡’À≈—°ª√–°—π·≈–§‘¥¥Õ°‡∫’È¬„πÕ—µ√“√âÕ¬≈– 2.00 ∂÷ß√âÕ¬≈– 6.75 µàÕªï (2547: √âÕ¬≈– 2.00 ∂÷ß√âÕ¬≈– 6.00µàÕªï)

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

2548 2547 2548 2547

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–

°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 2,050,000,000 1,050,000,000 1,900,000,000 900,000,000

∫ÿ§§≈Õ◊Ëπ∑’Ë‡°’Ë¬«¢âÕß°—π 70,000,000 70,000,000 - -

√«¡ 2,120,000,000 1,120,000,000 1,900,000,000 900,000,000

À—°: à«π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï (1,050,000,000) - (900,000,000) -

ÿ∑∏‘ 1,070,000,000 1,120,000,000 1,000,000,000 900,000,000

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π¢Õß∫√‘…—∑œ‡ªìπ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑·≈–‰¡à¡’À≈—°ª√–°—π ‡ß‘π°Ÿâ¬◊¡®”π«π 900 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πµâπ∑—Èß®”π«π„π«—π∑’Ë 15 µÿ≈“§¡ 2549 §‘¥¥Õ°‡∫’È¬„πÕ—µ√“√âÕ¬≈– 4 µàÕªï ™”√–¥Õ°‡∫’È¬∑ÿ° ‘Èπ‡¥◊Õπ ‡ß‘π°Ÿâ¬◊¡®”π«π 1,000 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πµâπ∑—Èß®”π«π„π«—π∑’Ë 30 °—π¬“¬π 2551 §‘¥¥Õ°‡∫’È¬ ”À√—∫ Õßªï·√°„πÕ—µ√“§ß∑’Ë√âÕ¬≈– 5.5 µàÕªï ·≈–„πÕ—µ√“ MLR ”À√—∫ªï∑’Ë “¡ ™”√–¥Õ°‡∫’È¬∑ÿ° ‘Èπ‡¥◊Õπ (2547: 900 ≈â“π∫“∑ §√∫°”Àπ¥ 15 µÿ≈“§¡ 2549 Õ—µ√“¥Õ°‡∫’È¬√âÕ¬≈– 4 µàÕªï)

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π¢Õß∫√‘…—∑¬àÕ¬‡ªìπ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑·≈–‰¡à¡’À≈—°ª√–°—π ‡ß‘π°Ÿâ¬◊¡®”π«π 150 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πµâπ∑—Èß®”π«π„π«—π∑’Ë 15 µÿ≈“§¡2549 §‘¥¥Õ°‡∫’È¬„πÕ—µ√“√âÕ¬≈– 4 µàÕªï ™”√–¥Õ°‡∫’È¬∑ÿ° ‘Èπ‡¥◊Õπ ‡ß‘π°Ÿâ¬◊¡®”π«π 70 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πµâπ∑—Èß®”π«π„π«—π∑’Ë 1 ¡‘∂ÿπ“¬π 2550 §‘¥¥Õ°‡∫’È¬„πÕ—µ√“√âÕ¬≈– 4.12 µàÕªï ™”√–¥Õ°‡∫’È¬∑ÿ° 6 ‡¥◊Õπ

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ·≈–√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π¡’°“√‡§≈◊ËÕπ‰À«„π√–À«à“ßªï¥—ßπ’È

63

√“¬ß“πª√–®”ªï 2548

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

∫√‘…—∑ ∫ÿ§§≈ ∫√‘…—∑ ∫ÿ§§≈

∑’Ë‡°’Ë¬«¢âÕß°—π ∑’Ë‡°’Ë¬«¢âÕß°—π √«¡ ∑’Ë‡°’Ë¬«¢âÕß°—π ∑’Ë‡°’Ë¬«¢âÕß°—π √«¡

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–

°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 1 ¡°√“§¡ 2548 30,000,000 - 30,000,000 - - -

‡æ‘Ë¡¢÷Èπ√–À«à“ßªï 220,000,000 45,000,000 265,000,000 190,000,000 45,000,000 235,000,000

≈¥≈ß√–À«à“ßªï - - - - - -

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë

31 ∏—π«“§¡ 2548 250,000,000 45,000,000 295,000,000 190,000,000 45,000,000 235,000,000

(Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

∫√‘…—∑ ∫ÿ§§≈ ∫√‘…—∑

∑’Ë‡°’Ë¬«¢âÕß°—π ∑’Ë‡°’Ë¬«¢âÕß°—π √«¡ ∑’Ë‡°’Ë¬«¢âÕß°—π

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

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 1 ¡°√“§¡ 2548 1,050,000,000 70,000,000 1,120,000,000 900,000,000

‡æ‘Ë¡¢÷Èπ√–À«à“ßªï 1,000,000,000 - 1,000,000,000 1,000,000,000

≈¥≈ß√–À«à“ßªï - - - -

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 2,050,000,000 70,000,000 2,120,000,000 1,900,000,000

¿“√–ºŸ°æ—π·≈–¿“√–§È”ª√–°—π°—∫°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ∫√‘…—∑œ¡’¿“√–°“√§È”ª√–°—π‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ„Àâ·°à∫√‘…—∑¬àÕ¬„π«ß‡ß‘π®”π«π 150≈â“π∫“∑ (2547: ∫√‘…—∑œ¡’¿“√–°“√§È”ª√–°—π‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ„Àâ·°à∫√‘…—∑¬àÕ¬„π«ß‡ß‘π®”π«π 100 ≈â“π∫“∑ ·≈–∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’¿“√–°“√§È”ª√–°—π√à«¡ ”À√—∫«ß‡ß‘π°Ÿâ¬◊¡√à«¡°—π®”π«π 17 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“)

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ∫√‘…—∑¬àÕ¬¡’¿“√–°“√§È”ª√–°—π≈Ÿ°Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·°à°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π·ÀàßÀπ÷Ëß®”π«πª√–¡“≥ 0.36 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“À√◊Õ 14.68 ≈â“π∫“∑ (2547: 0.12 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“À√◊Õ4.74 ≈â“π∫“∑)

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’¿“√–ºŸ°æ—πµ“¡ —≠≠“µ‘¥µ—Èß√–∫∫§Õ¡æ‘«‡µÕ√å§ß‡À≈◊Õµ“¡ —≠≠“®”π«πª√–¡“≥ 0.18 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“ À√◊Õ 7.60 ≈â“π∫“∑ (‡©æ“–∫√‘…—∑œ: 0.15 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“ À√◊Õ 6.08 ≈â“π∫“∑)

17. ∑ÿπ‡√◊ÕπÀÿâπ

17.1 ‡¡◊ËÕ«—π∑’Ë 8 ∏—π«“§¡ 2546 ∑’Ëª√–™ÿ¡«‘ “¡—≠ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ‰¥â¡’¡µ‘Õπÿ¡—µ‘„Àâ≈¥∑ÿπ®¥∑–‡∫’¬π¢Õß∫√‘…—∑œ ‚¥¬°“√≈¥®”π«πÀÿâπ ®“°‡¥‘¡∑ÿπ®¥∑–‡∫’¬π®”π«π 460,000,000 ∫“∑ ·∫àßÕÕ°‡ªìπ 4,600,000 Àÿâπ ¡Ÿ≈§à“∑’Ëµ√“‰«âÀÿâπ≈– 100 ∫“∑ ≈¥≈ß 1,120,000 Àÿâπ ‡ªìπ∑ÿπ®¥∑–‡∫’¬π„À¡à®”π«π 348,000,000 ∫“∑ ·∫àßÕÕ°‡ªìπ 3,480,000Àÿâπ ¡Ÿ≈§à“∑’Ëµ√“‰«âÀÿâπ≈– 100 ∫“∑ ∑—Èßπ’È ‡æ◊ËÕ≈¥º≈¢“¥∑ÿπ – ¡¢Õß ∫√‘…—∑œ ∫√‘…—∑œ‰¥â®¥∑–‡∫’¬π°“√‡ª≈’Ë¬π·ª≈ß¥—ß°≈à“«°—∫°√–∑√«ßæ“≥‘™¬å‡¡◊ËÕ«—π∑’Ë 26 ¡’π“§¡ 2547

64

ÿ ¥ À— « „ ® „ Àâ ∫ √‘ ° “ √

17.2 ‡¡◊ËÕ«—π∑’Ë 25 ¡’π“§¡ 2547 ∑’Ëª√–™ÿ¡ “¡—≠ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ‰¥â¡’¡µ‘Õπÿ¡—µ‘„Àâ‡æ‘Ë¡∑ÿπ®¥∑–‡∫’¬π¢Õß∫√‘…—∑œ®“°‡¥‘¡ 348,000,000 ∫“∑‡ªìπ 428,000,000 ∫“∑ ‚¥¬°“√ÕÕ°Àÿâπ “¡—≠‡æ‘Ë¡∑ÿπ®”π«π 800,000 Àÿâπ ¡Ÿ≈§à“∑’Ëµ√“‰«âÀÿâπ≈– 100 ∫“∑ ·≈–‡ πÕ¢“¬„Àâ·°àºŸâ∂◊ÕÀÿâπ‡¥‘¡µ“¡ —¥ à«π°“√∂◊ÕÀÿâπ‡¥‘¡„π√“§“Àÿâπ≈– 100 ∫“∑ ∫√‘…—∑œ‰¥â®¥∑–‡∫’¬π°“√‡æ‘Ë¡∑ÿπ®¥∑–‡∫’¬π·≈–‡√’¬°™”√–·≈â«°—∫°√–∑√«ßæ“≥‘™¬å‡¡◊ËÕ«—π∑’Ë 30 ¡’π“§¡ 2547

17.3 ‡¡◊ËÕ«—π∑’Ë 30 ‡¡…“¬π 2547 ∑’Ëª√–™ÿ¡ “¡—≠ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ‰¥â¡’¡µ‘Õπÿ¡—µ‘„Àâ∫√‘…—∑œ‡ª≈’Ë¬π·ª≈ß¡Ÿ≈§à“Àÿâπ “¡—≠∑’Ëµ√“‰«â¢Õß∫√‘…—∑œ®“°‡¥‘¡Àÿâπ≈– 100 ∫“∑ ‡ªìπÀÿâπ≈– 5 ∫“∑ ∑”„ÀâÀÿâπ “¡—≠¢Õß∫√‘…—∑œ‡æ‘Ë¡¢÷Èπ®“°‡¥‘¡4,280,000 Àÿâπ ‡ªìπ 85,600,000 Àÿâπ ∫√‘…—∑œ‰¥â®¥∑–‡∫’¬π°“√‡ª≈’Ë¬π·ª≈ß¥—ß°≈à“«°—∫°√–∑√«ßæ“≥‘™¬å‡¡◊ËÕ«—π∑’Ë28 æƒ…¿“§¡ 2547

17.4 ‡¡◊ËÕ«—π∑’Ë 30 ‘ßÀ“§¡ 2547 ∑’Ëª√–™ÿ¡«‘ “¡—≠ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ‰¥â¡’¡µ‘Õπÿ¡—µ‘„Àâ‡æ‘Ë¡∑ÿπ®¥∑–‡∫’¬π¢Õß∫√‘…—∑œ®“°‡¥‘¡ 428,000,000 ∫“∑ ‡ªìπ 575,000,000 ∫“∑ ‚¥¬°“√ÕÕ°Àÿâπ “¡—≠‡æ‘Ë¡∑ÿπ®”π«π 29,400,000 Àÿâπ ¡Ÿ≈§à“∑’Ëµ√“‰«âÀÿâπ≈– 5 ∫“∑ ·≈–‡ πÕ¢“¬„Àâ·°à°√√¡°“√ ºŸâ∫√‘À“√·≈–æπ—°ß“π¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®”π«π 6,400,000Àÿâπ ·≈–ª√–™“™π∑—Ë«‰ª®”π«π 23,000,000 Àÿâπ

17.5 ‡¡◊ËÕ«—π∑’Ë 26 - 30 æƒ»®‘°“¬π 2547 ∫√‘…—∑œ‰¥â‡ πÕ¢“¬Àÿâπ “¡—≠‡æ‘Ë¡∑ÿπ®”π«π 6.4 ≈â“πÀÿâπ „Àâ·°à°√√¡°“√ºŸâ∫√‘À“√·≈–æπ—°ß“π¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬„π√“§“Àÿâπ≈– 5.50 ∫“∑ √«¡‡ªìπ®”π«π‡ß‘π 35.2 ≈â“π∫“∑ ∫√‘…—∑œ‰¥â®¥∑–‡∫’¬π‡ª≈’Ë¬π·ª≈ß∑ÿπ™”√–·≈â«°—∫°√–∑√«ßæ“≥‘™¬å‡¡◊ËÕ«—π∑’Ë 8 ∏—π«“§¡ 2547

17.6 „π√–À«à“ß«—π∑’Ë 16 - 18 ‘ßÀ“§¡ 2548 ∫√‘…—∑œ‰¥â‡ πÕ¢“¬Àÿâπ “¡—≠‡æ‘Ë¡∑ÿπ®”π«π 23 ≈â“πÀÿâπ„Àâª√–™“™π∑—Ë«‰ª‡ªìπ§√—Èß·√°„π√“§“Àÿâπ≈– 8.90 ∫“∑ ‚¥¬¡’¡Ÿ≈§à“µ√“‰«âÀÿâπ≈– 5 ∫“∑ √«¡‡ªìπ®”π«π‡ß‘π∑—Èß ‘Èπ 204.70≈â“π∫“∑ ∫√‘…—∑œ¡’ à«π‡°‘π¡Ÿ≈§à“Àÿâπ®“°°“√‡ πÕ¢“¬Àÿâπ “¡—≠¥—ß°≈à“«®”π«π 89.70 ≈â“π∫“∑ ·≈–¡’§à“„™â®à“¬„π°“√ÕÕ°Àÿâπ “¡—≠®”π«π 8.47 ≈â“π∫“∑ ´÷Ëßπ”¡“À—°°≈∫°—∫ à«π‡°‘π∑ÿπ¥—ß°≈à“« ∫√‘…—∑œ‰¥â®¥∑–‡∫’¬π‡ª≈’Ë¬π·ª≈ß∑ÿπ™”√–·≈â«°—∫°√–∑√«ßæ“≥‘™¬å‡¡◊ËÕ«—π∑’Ë 22 ‘ßÀ“§¡ 2548

18. ‡ß‘πªíπº≈®à“¬

‡ß‘πªíπº≈®à“¬∑’Ëª√–°“»®à“¬„πªï 2548 ª√–°Õ∫¥â«¬(Àπà«¬: ∫“∑)

Õπÿ¡—µ‘‚¥¬ ‡ß‘πªíπº≈√«¡ ‡ß‘πªíπº≈µàÕÀÿâπ

‡ß‘πªíπº≈√–À«à“ß°“≈ ¡µ‘∑’Ëª√–™ÿ¡°√√¡°“√∫√‘…—∑œ‡¡◊ËÕ 69,000,000 0.60

«—π∑’Ë 28 °—π¬“¬π 2548

∑—Èßπ’È ∫√‘…—∑œ‰¥â®à“¬‡ß‘πªíπº≈¥—ß°≈à“«„Àâ·°àºŸâ∂◊ÕÀÿâπ®”π«π 115 ≈â“πÀÿâπ „π«—π∑’Ë 27 µÿ≈“§¡ 2548

65

√“¬ß“πª√–®”ªï 2548

19. ”√Õßµ“¡°ÆÀ¡“¬

µ“¡¡“µ√“ 116 ·Ààßæ√–√“™∫—≠≠—µ‘∫√‘…—∑¡À“™π®”°—¥ æ.». 2535 ∫√‘…—∑œ®–µâÕß®—¥ √√°”‰√ ÿ∑∏‘ª√–®”ªï à«πÀπ÷Ëß‰«â‡ªìπ∑ÿπ ”√Õßµ“¡°ÆÀ¡“¬‰¡àπâÕ¬°«à“√âÕ¬≈–Àâ“¢Õß°”‰√ ÿ∑∏‘ª√–®”ªïÀ—°¥â«¬¢“¥∑ÿπ – ¡¬°¡“ (∂â“¡’) ®π°«à“∑ÿπ ”√Õßπ’È®–¡’®”π«π‰¡àπâÕ¬°«à“√âÕ¬≈– ‘∫¢Õß∑ÿπ®¥∑–‡∫’¬π ”√Õßµ“¡°ÆÀ¡“¬‰¡à “¡“√∂®à“¬‡ªìπ‡ß‘πªíπº≈‰¥â

20. ¿“…’‡ß‘π‰¥âπ‘µ‘∫ÿ§§≈

¿“…’‡ß‘π‰¥âπ‘µ‘∫ÿ§§≈ ”À√—∫ªï§”π«≥¢÷Èπ®“°°”‰√¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬À≈—ß®“°∫«°°≈—∫¥â«¬§à“„™â®à“¬·≈–√“¬°“√ ”√Õß´÷Ëß¬—ß‰¡à “¡“√∂∂◊Õ‡ªìπ√“¬®à“¬„π°“√§”π«≥¿“…’·≈–À—°¥â«¬º≈¢“¥∑ÿπ∑“ß¿“…’ ¬°¡“®“°ªï°àÕπÊ

21. ®”π«π·≈–§à“„™â®à“¬‡°’Ë¬«°—∫æπ—°ß“π

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

2548 2547 2548 2547

®”π«πæπ—°ß“π ≥ «—π ‘Èπªï 315 279 249 223

§à“„™â®à“¬‡°’Ë¬«°—∫æπ—°ß“π ”À√—∫ªï (≈â“π∫“∑) 167.60 144.92 134.61 114.51

„π√–À«à“ßªï 2548 ·≈– 2547 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¥â®à“¬‡ß‘π ¡∑∫°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ‡ªìπ®”π«π‡ß‘π 3.31 ≈â“π∫“∑ ·≈– 3.16 ≈â“π∫“∑ µ“¡≈”¥—∫ (ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ: ®”π«π 2.66 ≈â“π∫“∑ ·≈– 2.50 ≈â“π∫“∑ µ“¡≈”¥—∫)

22. ¿“√–ºŸ°æ—π·≈–Àπ’È ‘π∑’ËÕ“®‡°‘¥¢÷Èπ

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ·≈– 2547 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’¿“√–ºŸ°æ—π·≈–Àπ’È ‘π∑’ËÕ“®‡°‘¥¢÷Èπ¥—ßπ’È

22.1 ∫√‘…—∑œ‰¥â∑” —≠≠“·≈°‡ª≈’Ë¬πÕ—µ√“¥Õ°‡∫’È¬ (Interest Rate Swap) ®”π«π 3 —≠≠“ ´÷Ëß¡’√“¬≈–‡Õ’¬¥¥—ßπ’È

¡Ÿ≈§à“¬ÿµ‘∏√√¡

«—π∑’Ë¡’º≈∫—ß§—∫ «—π∑’Ë§√∫°”Àπ¥ ¡Ÿ≈§à“ Õ—µ√“ Õ—µ√“ ≥ «—π∑’Ë

µ“¡ —≠≠“ ¢Õß —≠≠“ µ“¡ —≠≠“ ¥Õ°‡∫’È¬√—∫ ¥Õ°‡∫’È¬®à“¬ 31 ∏—π«“§¡ 2548

(≈â“π∫“∑) (√âÕ¬≈–) (√âÕ¬≈–) (≈â“π∫“∑)

6 °ÿ¡¿“æ—π∏å 2546 6 °ÿ¡¿“æ—π∏å 2549 100 ≈Õ¬µ—« 3.25 0.55

31 µÿ≈“§¡ 2548 31 µÿ≈“§¡ 2549 1,000 5.50 ≈Õ¬µ—« 0.95

18 æƒ»®‘°“¬π 2548 18 æƒ»®‘°“¬π 2551 400 ≈Õ¬µ—« 4.50 ªï·√° (16.00)

≈Õ¬µ—«ªï∑’Ë Õß

·≈– “¡

¡Ÿ≈§à“¬ÿµ‘∏√√¡ À¡“¬∂÷ß °”‰√ (¢“¥∑ÿπ) ÿ∑∏‘®“°°“√ª√—∫¡Ÿ≈§à“„Àâ‡ªìπ‰ªµ“¡¡Ÿ≈§à“¬ÿµ‘∏√√¡ ≥ «—π∑’Ë„πß∫¥ÿ≈

66

ÿ ¥ À— « „ ® „ Àâ ∫ √‘ ° “ √

22.2 ∫√‘…—∑¬àÕ¬¡’¿“√–°“√§È”ª√–°—π≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·°à∫√‘…—∑Õ◊Ëπ®”π«πª√–¡“≥ 4.60 ≈â“π‡¬π ·≈–1.21 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“ À√◊Õ 51.41 ≈â“π∫“∑ (2547: 9.21 ≈â“π‡¬πÀ√◊Õ 3.5 ≈â“π∫“∑)

23. ¢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

24. ‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π

24.1 π‚¬∫“¬°“√∫√‘À“√§«“¡‡ ’Ë¬ß∑“ß°“√‡ß‘π∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¡à¡’π‚¬∫“¬ª√–°Õ∫∏ÿ√°√√¡µ√“ “√Õπÿæ—π∏å∑“ß°“√‡ß‘π‡æ◊ËÕ °“√‡°Áß°”‰√À√◊Õ‡æ◊ËÕ°“√§â“

24.2 §«“¡‡ ’Ë¬ß¥â“π°“√„Àâ ‘π‡™◊ËÕ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’§«“¡‡ ’Ë¬ß¥â“π ‘π‡™◊ËÕ®“°≈Ÿ°Àπ’È°“√§â“ Õ¬à“ß‰√°Áµ“¡ ‡π◊ËÕß®“°∫√‘…—∑œ·≈–∫√‘…—∑

¬àÕ¬¡’π‚¬∫“¬°“√„Àâ ‘π‡™◊ËÕ∑’Ë√—¥°ÿ¡ ·≈–¡’∞“π≈Ÿ°§â“∑’ËÀ≈“°À≈“¬°√–®“¬„πÕÿµ “À°√√¡ µà“ßÊ ·≈–¡’®”π«π¡“°√“¬¥—ßπ—Èπ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®÷ß‰¡à§“¥«à“®–‰¥â√—∫§«“¡‡ ’¬À“¬∑’Ë‡ªìπ “√– ”§—≠®“°°“√‡°Á∫Àπ’ÈπÕ°®“°®”π«π∑’Ëµ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‰«â·≈â«

24.3 §«“¡‡ ’Ë¬ß¥â“πÕ—µ√“¥Õ°‡∫’È¬

(Àπà«¬: ≈â“π∫“∑)

ß∫°“√‡ß‘π√«¡

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548

Õ—µ√“¥Õ°‡∫’È¬ Õ—µ√“¥Õ°‡∫’È¬

‰¡à¡’¥Õ°‡∫’È¬ ≈Õ¬µ—« §ß∑’Ë √«¡

‘π∑√—æ¬å∑“ß°“√‡ß‘π

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ 8.23 15.40 - 23.63

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘ - - 6,639.10 6,639.10

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“°“√‡ß‘π - ÿ∑∏‘ - - 620.46 620.46

≈Ÿ°Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ - 406.09 - 406.09

‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ - ÿ∑∏‘ - - 6.70 6.70

67

√“¬ß“πª√–®”ªï 2548

(Àπà«¬: ≈â“π∫“∑)

ß∫°“√‡ß‘π√«¡

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548

Õ—µ√“¥Õ°‡∫’È¬ Õ—µ√“¥Õ°‡∫’È¬

‰¡à¡’¥Õ°‡∫’È¬ ≈Õ¬µ—« §ß∑’Ë √«¡

Àπ’È ‘π∑“ß°“√‡ß‘π

‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡

√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π - 57.73 4,195.00 4,252.73

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√

∑’Ë‡°’Ë¬«¢âÕß°—π - - 295.00 295.00

‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ - - 163.00 163.00

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π - - 2,120.00 2,120.00

(Àπà«¬: ≈â“π∫“∑)

ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2548

Õ—µ√“¥Õ°‡∫’È¬ Õ—µ√“¥Õ°‡∫’È¬

‰¡à¡’¥Õ°‡∫’È¬ ≈Õ¬µ—« §ß∑’Ë √«¡

‘π∑√—æ¬å∑“ß°“√‡ß‘π

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ 8.00 - - 8.00

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘ - - 6,061.36 6,061.36

‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ - ÿ∑∏‘ - - 6.70 6.70

Àπ’È ‘π∑“ß°“√‡ß‘π

‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡

√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π - 53.77 3,355.00 3,408.77

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–

°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π - - 235.00 235.00

‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ - - 163.00 163.00

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–

°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π - - 1,900.00 1,900.00

24.4 §«“¡‡ ’Ë¬ß®“°Õ—µ√“·≈°‡ª≈’Ë¬π∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¡à¡’§«“¡‡ ’Ë¬ß®“°Õ—µ√“·≈°‡ª≈’Ë¬π‡ß‘πµ√“µà“ßª√–‡∑»∑’Ë‡ªìπ “√– ”§—≠

24.5 ¡Ÿ≈§à“¬ÿµ‘∏√√¡∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬„™â«‘∏’°“√·≈–¢âÕ ¡¡µ‘∞“π„π°“√ª√–¡“≥¡Ÿ≈§à“¬ÿµ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π¥—ßπ’È

‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π√–¬– —Èπ·≈–≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß∑’Ë¡’Õ—µ√“¥Õ°‡∫’È¬≈Õ¬µ—«· ¥ß¡Ÿ≈§à“¬ÿµ‘∏√√¡‚¥¬ª√–¡“≥µ“¡¡Ÿ≈§à“∑’Ë· ¥ß„πß∫¥ÿ≈

¡Ÿ≈§à“¬ÿµ‘∏√√¡¢Õß≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ —≠≠“‡™à“°“√‡ß‘π·≈–‡ß‘π°Ÿâ¬◊¡√–¬–¬“« ÷Ëß¡’Õ—µ√“¥Õ°‡∫’È¬§ß∑’Ë·≈– —≠≠“·≈°‡ª≈’Ë¬πÕ—µ√“¥Õ°‡∫’È¬ª√–¡“≥‚¥¬„™â«‘∏’ à«π≈¥°√–· ‡ß‘π ¥‚¥¬æ‘®“√≥“Õ—µ√“¥Õ°‡∫’È¬ªí®®ÿ∫—π

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 ¡Ÿ≈§à“¬ÿµ‘∏√√¡¢Õß —≠≠“·≈°‡ª≈’Ë¬πÕ—µ√“¥Õ°‡∫’È¬ (Interest Rate Swap) · ¥ß‰«â„πÀ¡“¬‡Àµÿ 22.1 ¡Ÿ≈§à“¬ÿµ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘πÕ◊Ëπ‰¡à·µ°µà“ßÕ¬à“ß‡ªìπ “√– ”§—≠°—∫¡Ÿ≈§à“µ“¡∫—≠™’

68

ÿ ¥ À— « „ ® „ Àâ ∫ √‘ ° “ √

25. √–¬–‡«≈“§√∫°”Àπ¥¢Õß ‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π√–¬–¬“«

≥ «—π∑’Ë 31 ∏—π«“§¡ 2548 √–¬–‡«≈“§√∫°”Àπ¥¢Õß ‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π√–¬–¬“«· ¥ß‰¥â¥—ßπ’È

(Àπà«¬: ≈â“π∫“∑)

ß∫°“√‡ß‘π√«¡

√–¬–‡«≈“°“√§√∫°”Àπ¥

‡°‘π°«à“ 1 ªï ‡°‘π°«à“ 2 ªï ‡°‘π°«à“ 3 ªï ≈Ÿ°Àπ’È∑’Ë

·µà‰¡à‡°‘π ·µà‰¡à‡°‘π ·µà‰¡à‡°‘π À¬ÿ¥√—∫√Ÿâ

¿“¬„π 1 ªï 2 ªï 3 ªï 4 ªï ‡°‘π°«à“ 4 ªï √“¬‰¥â √«¡

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ 3,077.15 2,297.69 1,426.64 605.05 136.68 29.05 7,572.26

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“°“√‡ß‘π 367.77 237.40 91.23 8.71 0.96 2.79 708.86

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 391.55 16.66 2.97 2.82 - 4.40 418.40

‡ß‘π°Ÿâ¬◊¡√–¬–¬“« 1,050.00 70.00 1,000.00 - - - 2,120.00

(Àπà«¬: ≈â“π∫“∑)

ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ

√–¬–‡«≈“°“√§√∫°”Àπ¥

‡°‘π°«à“ 1 ªï ‡°‘π°«à“ 2 ªï ‡°‘π°«à“ 3 ªï ≈Ÿ°Àπ’È∑’Ë

·µà‰¡à‡°‘π ·µà‰¡à‡°‘π ·µà‰¡à‡°‘π À¬ÿ¥√—∫√Ÿâ

¿“¬„π 1 ªï 2 ªï 3 ªï 4 ªï ‡°‘π°«à“ 4 ªï √“¬‰¥â √«¡

≈Ÿ°Àπ’Èµ“¡ —≠≠“‡™à“´◊ÈÕ 2,744.41 2,083.21 1,331.85 588.52 136.68 26.95 6,911.62

‡ß‘π°Ÿâ¬◊¡√–¬–¬“« 900.00 - 1,000.00 - - - 1,900.00

26. °“√· ¥ß√“¬°“√„πß∫°“√‡ß‘π

°“√· ¥ß√“¬°“√„πß∫°“√‡ß‘ππ’È‰¥â®—¥∑”¢÷Èπ‡æ◊ËÕ„Àâ‡ªìπ‰ªµ“¡¢âÕ°”Àπ¥„πª√–°“»°√¡æ—≤π“∏ÿ√°‘®°“√§â“≈ß«—π∑’Ë 14°—π¬“¬π 2544 ÕÕ°µ“¡§«“¡„πæ√–√“™∫—≠≠—µ‘°“√∫—≠™’ æ.». 2543

∫√‘…—∑œ‰¥â®—¥ª√–‡¿∑√“¬°“√∫—≠™’∫“ß√“¬°“√„πß∫°“√‡ß‘π∑’Ëπ”¡“· ¥ß‡ª√’¬∫‡∑’¬∫„À¡à‡æ◊ËÕ„Àâ Õ¥§≈âÕß°—∫°“√®—¥ª√–‡¿∑√“¬°“√∫—≠™’¢Õßªïªí®®ÿ∫—π ´÷Ëß‰¡à¡’º≈°√–∑∫µàÕ°”‰√ ÿ∑∏‘·≈– à«π¢ÕßºŸâ∂◊ÕÀÿâπµ“¡∑’Ë‰¥â√“¬ß“π‰ª·≈â«‚¥¬ºŸâ Õ∫∫—≠™’Õ◊Ëπ

27. °“√Õπÿ¡—µ‘ß∫°“√‡ß‘π

ß∫°“√‡ß‘ππ’È‰¥â√—∫Õπÿ¡—µ‘„Àâ‡º¬·æ√à®“°§≥–°√√¡°“√∫√‘…—∑œ„π«—π∑’Ë 22 °ÿ¡¿“æ—π∏å 2549

69

√“¬ß“πª√–®”ªï 2548

æ‘∏’√à«¡≈ßπ“¡„π —≠≠“·µàßµ—ÈßºŸâ®—¥®”Àπà“¬·≈–√—∫ª√–°—π°“√®”Àπà“¬Àÿâπ “¡—≠ ASK

Signing Ceremony of ASKûs Underwriting Syndication

70

S E R V I C E W I T H P A S S I O N

°“√‡¢â“´◊ÈÕ¢“¬À≈—°∑√—æ¬å ASK „πµ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬«—π·√°

First Trading Day of ASK

71

Annual Report 2005

Message from the Board of DirectorsThe directors have pleasure in presenting the Company and its subsidiary’s annual report and audited financial statementsfor the year ended 31st December 2005.

Economy & Industry in 2005

During the year 2005, Thai economy slowed down considerably from 6.1percent in 2004 to 4.5 percent in 2005 primarilydue to natural disasters, a significant rise in oil prices, and an up-trend interest rate cycle. The short-term market interestrates hiked up steadily caused by the tightening liquidity and the significant upward adjustment of the Bank of Thailandûsrepurchase 14-day interest rate 6 times in 2005 from 2 percent to 4 percent per annum. Nevertheless, the new recordhigh of new vehicle sales reaching 703,432 units, increased by 12.4 percent from 626,026 units in 2004, supporteddemand of our automobile hire purchase business. The average industrial capacity utilization has increased from 70.7percent in 2004 to 72.6 percent in 2005 to signal a need of capacity expansion in many businesses. Private consumptionindex grew by 0.6 percent, decelerating from 3.9 percent in the previous year with respect to both durable andnon-durable goods. In particular, the sales volume of passenger cars, and gasoline declined from the previous year as aconsequence of increased consumer caution amidst high oil prices, accelerating inflation, and rising interest rates. Theprivate investment index grew by 8.6 percent, decelerating from 10.0 percent in the previous year. However, equipmentand machinery investment expanded well while construction investment slowed in tandem with slowdown of the real estatesector. This equipment and machinery investment expansion has supported the growth of leasing and factoring business.

Performance in 2005

2005 was another year of the Companyûs moving forward credential as a listed company on the Stock Exchange ofThailand on August 25, 2005. The Company and its subsidiary, on a consolidated basis, registered total assets of THB7,876 million as of December 31, 2005 increasing by 30.7 percent from THB 6,028 million in 2004 mainly due to theportfolio growth. Thanks to the internally generated funds of THB 139 million from profitable operations relieved the burdenof totally relying external borrowings to support assets increase. The equity base expanded by 43.8 percent from THB 607million in 2004 to THB 873 million in 2005 as a result of the increase in the net profit and paid-up capital from InitialPublic Offering. The financial leverage increased by a 29.2 percent from THB 5,421 million in 2004 to THB 7,003 millionin 2005. The total revenues advanced by 32.9 percent from THB 558 million in 2004 to THB 742 million in 2005. Interestexpenses in 2005 were THB 210 mil l ion compared to that of THB 115 mil l ion in 2004 reflectingthe face of higher general interest rates and more borrowings. Consequently the net profit increased by 0.7 percent fromTHB 138 million in 2004 to THB 139 million in 2005. The net profit margin and return on equity were maintained at thesame high levels of 18.7 percent in 2005.

Assets quality is still good as the Non-Performing Assets was 0.45 percent of portfolio as at the end of 2005 despitean increase in hire purchase, leasing, and factoring portfolio from THB 5,916 million in 2004 to THB 7,749 million in 2005.The improvement was realized by the strengthened collection efficiency, the augmented base of portfolio size, and baddebt write-off. The ratio of Allowance for Doubtful Account to NPAs was provided at 237.8 percent indicating the adequacyof the Companyûs reserve for doubtful debts.

72


Corporate Governance

The Board of Directors has realized the responsibility and accountability of good corporate governance and sets out policyof corporate governance in accordance with the principles of Good Corporate Governance of the Stock Exchange ofThailand in order to be a guideline for management with circumspection and caution in compliance with related laws andcode of corporate conduct, including operation with transparency and adequate disclosure for all stakeholders. In addition,the operation of business must be controlled with the suitable risk management for growing with continuity and stabilityin order to create confidence to all concerned parties and lead to maximize benefit for the Company and shareholdersas a whole.

2006 Business Prospect and Strategy

In 2006, Thailandûs GDP growth is forecasted at 4.0 percent - 5.0 percent. The hire purchase industry is expected tocontinue expanding, following a growth of auto industry by 5.2 percent to reach 740,000 units. The leasing and factoringbusinesses are expected to continue growing, benefiting from an increase in investment in machinery equipment drivenby capacity expansion and in working capital need. The competition will be fierce as a result of the commercial banksûconcentration in the hire purchase and leasing business.

The business strategy for 2006 is to expand our financial services including hire purchase, leasing, factoring and floorplan to individuals and corporate customers with the focus in small and medium size entrepreneurs. The Company will alsofocus more on the fee-based income which can contribute 17.9 percent of the total revenues for previous year.

Finally, the Company Board of Directors would like to convey gratitude to shareholders, customers, creditors, andemployees for their supports and confidences.

For and on behalf of the Board of Directors.

(Dr. Amnuay Viravan) (Mr. Lo, Jun-Long)Chairman Managing Director

73

Annual Report 2005

Audit Committeeûs ReportTo Shareholders,

Audit Committee of Asia Sermkij Leasing Public Company Limited consisted of three independent and non-executivedirectors, namely

1. Mr. Pradit Sawattananond Chairman of the Audit Committee and Independent Director2. Mr. Anant Svattananon Audit Committee and Independent Director3. Pol. Lt. Gen. Pichit Kuandachakupt Audit Committee and Independent Director

During Year 2005, the Audit Committee performed duties in compliance with regulations of the Stock Exchange ofThailand and other duties as designated by the Board of Directors with the main responsibilities summarized as follows:

- To review the consolidated quarterly and annual financial statements for fiscal year 2005 with the externalauditor in order to ensure the sufficient and accuracy disclosure of information and the financial statementswere prepared in accordance with generally accepted accounting standard.

- To approve internal audit plan for fiscal year 2006 on risk based approach and acknowledge significantaudit results and improvement from Internal Audit Department and meeting with management for reviewinternal control assessment in many aspects as prescribe in Assessment Form of Sufficiency of InternalControl System in order to provide reasonable assurance for appropriate and effective internal controlsystem.

- To review the Companyûs operation in compliance with the Securities and Exchange Acts, the StockExchange of Thailand’s regulations and laws relating to the business of the Company. Upon review, theAudit Committee had opinion that the operation was in accordance with relevant rules and regulations.

- To review connected transactions which may cause conflict of interest as prescribe by the Stock Exchangeof Thailand and the Securities and Exchange Commission in order to make clearly transactions and ensurecompliance with generally accepted business practices and all required regulations.

- To consider and propose the appointment of the Ernst & Young Office Limited as the Companyûs externalauditors for the fiscal year 2006 by considering from reasonable remuneration in order to propose the Boardof Directors and ask approval from the Shareholdersû meeting.

The Audit Committee had followed the principles of good corporate governance by emphasizing transparency and codeof corporate conduct in order to strengthen the confidence of all shareholders, investors and other related parties.

(Mr. Pradit Sawattananond)Chairman of the Audit Committee

March 22, 2006

74


General InformationThe Company

Company Name : Asia Sermkij Leasing Public Co., Ltd.

Address : Headquarters 24th Fl., Sathorn City Tower, 175 South Sathorn Road, Tungmahamek, Sathorn, Bangkok 10120 Tel: 0-2679-6226, 0-2679-6262 Fax: 0-2679-6241-3Rayong Branch No 6, 8 Rayong Center, Sukhumvit Road, Thapradu, Muang,Rayaong 21000 Tel: 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 74000 Tel: 0-3442-6923-33 Fax: 0-3483-7331Phitsanulok Branch No 9/7-9 Sing-hawat Road, Ban Klang, Muang, Phitsanulok 65000Tel: 0-5521-6566 Fax: 0-5528-2630

Homepage : www.ask.co.thRegistration No. : 40854600040Business : Hire purchase on all types of automobiles and personal loanIssued and fully paid-up : Ordinary shares 115,000,000 shares (as at December 31, 2005)sharesPar value : 5 Baht per share

The subsidiary

Company Name : Bangkok Grand Pacific Lease Public Company Limited

Address : 10/1th Fl., Sathorn City Tower, 175 South Sathorn Road, Tungmahamek,Sathorn, Bangkok 10120 Tel: 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 : Ordinary shares 43,850,000 shares (as at December 31, 2005)sharesPar value : 10 Baht per share

References

Share Registrar : Thailand Securities Depository Co., Ltd.

Address : 4th,7th Floor, The Stock Exchange of Thailand Building, 62 Ratchadapisek Road,Klongtoey, Bangkok 10110 Tel: 0-2229-2800 Fax: 0-2359-1259

Auditor : Ernst & Young Office Limited

Address : 33rd Floor, Lake Rajada Office Complex, 193/136-137 Rajadapisek Road,Klongtoey, Bangkok 10110 Tel: 0-2264-0777 Fax: 0-2264-0789-90

75

Annual Report 2005

Financial Highlights2003 2004 2005

Assets Million Baht

Total assets 4,560.08 6,027.93 7,875.67Hire-purchase receivables - net 3,626.38 4,866.34 6,639.10Financial lease receivables - net 519.60 686.70 620.46Factoring receivables - net 188.73 304.17 406.09

Liabilities and Shareholdersû Equity Million Baht

Total liabilities 4,119.85 5,421.23 7,003.11Total shareholdersû equity 440.23 606.70 872.56

Operating Results Million Baht

Total revenues 516.07 557.98 741.56Hire-purchase income 354.30 388.23 510.62Leasing income 60.73 46.61 69.70Factoring income 14.50 15.10 28.45Selling and administrative expense 213.07 237.88 299.60Bad debts and doubtful accounts 50.03 36.15 49.49Interest expense 122.93 115.06 209.81Net profit after tax 127.91 137.65 138.64

Profitability Ratio

Interest revenue 1 % 10.50 8.77 8.97Interest expense 2 % 3.86 2.93 3.83Interest Spread % 6.64 5.84 5.14Net profit margin % 24.79 24.67 18.70Return on equity % 34.00 26.30 18.74Earning per share 3

Baht/Share 1.10 1.68 1.38Book value per share Baht/Share 7.56 6.59 7.59Dividend payout % - - 50.13Dividend per share Baht/Share - - 0.60

Efficiency Ratio

Return on asset % 2.99 2.60 1.99Asset turnover Times 0.12 0.11 0.11

Financial Ratio

Debt to equity Times 9.36 8.94 8.03Lendings to borrowings Times 1.09 1.12 1.13NPA to total assets % 0.55 0.37 0.45

Source : Consolidated financial statements of Bangkok Grand Pacific Lease Public Company Limited were audited by certified publicaccountant for the Year 2003 and consolidated financial statements of Asia Sermkij Leasing Public Company Limited wereaudited by certified public accountant for the Year 2004 -2005

Note 1 Interest revenue is an Effective Rate.2 Interest expense includes aval and guarantee fees.3 For comparative purpose, earning per share of Year 2003 and Year 2004 is derived on a basis of paid-up shares as at

year-end at par value of 5 Baht per share.

76


76

-

Million Baht800.00

700.00

600.00

500.00

400.00

300.00

200.00

100.00

Revenue Structure

Hire Purchase Leasing Factoring Others

2003 2004

354.30 388.23

741.56

510.62

132.79

2005

160.00

150.00

140.00

130.00

120.00

110.00

100.00

90.00

80.00

2546 2547 2548

NET Profit

Million Baht

12

9,000.00

8,000.00

7,000.00

6,000.00

5,000.00

4,000.00

3,000.00

2,000.00

1,000.00

2003 2004 2005

4,564 54 56

7,875.677,875.677,875.67

Assets

Million Baht

End of

2003 2004 2005End of

NPA to Total Account Receivables

Precent0.70%

0.60%

0.50%

0.40%

0.30%

0.20%

0.10%

0.00%

0.5

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Annual Report 2005

99.99%

Nature of BusinessOverview of Business Operation

Asia Sermkij Leasing Public Company Limited (the çCompanyé) was established in Year 1984 by the Bangkok BankPublic Company Limited Group to operate hire purchase business for all types of automobiles in the form of new carfinancing 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 Phitsanulokprovinces.

The Company has 1 subsidiary, i.e. Bangkok Grand Pacific Lease Public Company Limited (the çSubsidiaryé), which waspreviously a major shareholder, holding 99.99 percent shares, of the Company prior to the restructuring of the groupcompany in May 2004. Subsequently when the Company planned to be listed on the Stock Exchange of Thailand, theshareholders of Bangkok Grand Pacific Lease Public Company Limited decided to reorganize the shareholding structureby having direct shareholding in the Company and arranging the Bangkok Grand Pacific Lease Public Company Limitedto become a subsidiary of the Company.

Structure and Operation of the group Company

The Company The Subsidiary

Asia Sermkij Leasing Public Company Bangkok Grand Pacific Lease Public Company

Limited Limited*

Hire purechase on all auto types Machinery and vehicle leasing

Personal loan Machinery and vehicle hire purchase

Floor plan financing to auto dealers Domestic factoring

Auto registration, tax renewal and Internationnal factoring

insurance services Insurance facilitation service

Note * The Company became a shareholder in Bangkok Grand Pacific Lease Plc in May 2004.

Business Operation in Each Product Line

Business 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 services. Details are as follows:

1. Automobile Hire Purchase Business

The Company offers auto hire purchase, mainly to individual customers, for both new and used automobile,including personal and commercial car, e.g. pickup, van, truck and taxi, etc. Majority of the Companyûscustomers are in Bangkok and metropolitan area followed by customers in the central, eastern and northernregion. Currently the Company is a founding member of Thai Hire Purchase Association. One of theCompanyûs management is a director of such association. In addition, the Company is a member of theNational Credit Bureau Co., Ltd. whose database includes more than 48 million accounts utilizing financialservices.

78


2. Machinery and Vehicle Leasing / Hire Purchase Business

The Subsidiary has commenced its leasing and hire purchase businesses since Year 1989 primarily tocorporate customers. The leasing credit includes both financial and operating lease, which previouslyfocuses in financial lease but in Year 2005 turns to emphasize more in hire purchase agreement. Themajority of the business operators utilizing services of the Subsidiary are situated in Bangkok andmetropolitan area. The Subsidiary focuses on providing service to small and medium size enterprises inindustries with growth and profitability potential such as automobile, equipment & tools, chemical & plastics,printing & publishing and electronics. Assets under leasing and hire purchase agreement include machinery,equipment and vehicle. Leased and hire-purchased machinery of the Subsidiary consists of both new andused machines, particularly durable and liquid machinery whose technology does not change rapidly. Leasedand hire-purchased vehicles include various types of both new and used vehicles, i.g. pickup, van andtruck, etc. Currently the Subsidiary is a member of Thailand Leasing Association.

3. Factoring Business

The Subsidiary has commenced its factoring business since Year 1999 mainly to the small and medium sizecorporate customers with good operating performance, strong financial status and repayment ability in theindustries with growth potential and the need of short-term working capital. Target customers of theSubsidiary for factoring include business operators in electronics, chemical and plastic, service and printingand publishing industries. Factoring service can be divided into 2 main areas, i.e. domestic factoring, apurchase of claiming rights to collect payment from receivables of products and service providers whosebusiness counterparts (purchasers) are domestic entities, and international factoring, a purchase of claimingrights over trade receivables from the products and service providers whose business counterparts(purchasers) are situated overseas worldwide. International factoring can be further divided into 2 maincategories as follows:- Import Factoring

The Subsidiary provides guarantee on the purchaserûs (importer) payment capability to the selleroverseas. In case where the importer fails to make payment for goods and service after 90 days fromthe due date, the Subsidiary, as a guarantor, will be obliged to make payment on such productsand services on behalf of the importer. The Subsidiary will then make recourse to the purchaser(importer) or its guarantor. In case of dispute between the purchaser and the seller, the Subsidiarywill not be obliged for the payment until such dispute is resolved.

- Export FactoringThe Subsidiary acts as intermediary in the coordination with the import factor of the overseaimporter, business counterpart of the domestic exporter. It also verifies the status of the importerthrough import factor and provides debt guarantee to the exporter in case where the foreignimporter fails to make payment for goods and service after 90 days from the due date. In lieu of theforeign importer, the import factor will make payment to the Subsidiary to be further forwarded to theexporter for its goods and services.Presently, the Subsidiary is a member of the Factors Chain International (çFCIé).

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Annual Report 2005

4. Other Financing Businesses and Services

The 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 acredit line of Baht 50,000 per customer with short repayment term and hire-purchased vehicles ascollateral. The Company has commenced personal loan service since Year 2002.

In addition, the Company has commenced its floor plan financing service since late 2003 to autodealer as a source of fund for auto purchasing for resale to enhance liquidity. The Companyprovides such financial support on a selective basis only to auto dealers who referred hire purchasecustomers to the Company.

The Company and its subsidiary also provide other services to auto hire purchase customersincluding auto registration, tax renewal and insurance facilitation services, etc. in order to provide fullrange of service to the customers.

Revenue Structure of the Company and its Subsidiary

During the Year of 2003 - 2005, revenue structure of the Company and its subsidiary can be classified by the types ofbusinesses as follows:

Type of Business Operated by Year 2003 1 Year 2004 1 Year 2005 1

Revenue % Revenue % Revenue %

(MBaht) (MBaht) (MBaht)

Hire purchase Company and its subsidiary 354.30 68.65 388.23 69.58 510.62 68.86

Leasing Subsidiary 60.73 11.77 46.61 8.35 9.40

Factoring Subsidiary 14.50 2.81 15.10 2.71 28.45 3.84

Other income 2 Company and its subsidiary 86.54 16.77 108.04 19.36 132.79 17.90

Total 516.07 100.00 557.98 100.00 741.56 100.00

Note 1 Consolidated financial statements of Bangkok Grand Pacific Lease Public Company Limited were audited by certified public accountant for the Year 2003

and consolidated financial statements of Asia Sermkij Leasing Public Company Limited was audited by certified public accountant for the Year 2004 - 2005.

2 Other income includes income from personal loan, floor plan financing, income from registration fee and service, income from late payment fine, income

from insurance service, interest income, other incomes and etc.

Business Competition

1. Auto Hire Purchase Business

In Year 2005, the auto hire purchase business for individual customers has become highly competitive primarilydue to rising oil prices and interest rate. Hire purchase business operators thus arranged various sales promotionactivities to stimulate auto hire purchase financing. Moreover, the Bank of Thailandûs Financial Master Plan, whichallowed the commercial bank to conduct hire purchase service business, affected the pricing and service as thefinancial institutions have lower financial cost and broader service area coverage. They are hence considered newcompetitors that would intensify the competition in auto hire purchase business.

80


Accordingly, competition from commercial banks, interest rate fluctuation and sales promotion activities arrangedby companies in the business are factors influencing the competition in the industry. However, the Companyexpects that customer demand for financing will continue to increase. In addition, the increase in auto sale volumenationwide will continue, particularly commercial cars which are the Companyûs main product. The Companyûspolicy does not focus only on pricing competition but service quality, proportion between the new and used carfinancing, continual expansion to cover a broader service area, experience and skill in hire purchase business,variety of services, convenient and fast service provision, its knowledgeable and skilled personnel, strict creditapproval and control system and good relationship with business partners. All these together will enable theCompany to effectively compete with competitors in the industry.

2. Machinery and Vehicle Leasing / Hire Purchase Business

Though the machinery and vehicle leasing / hire purchase business focusing on corporate customers becomesmore competitive and affected by the same main factors as auto hire purchase business for individual customers,the competition in this industry is lessened due to small number of competitors in the industry and relatively similarmarket share of each competitor. Additionally, continual expansion in investment by both private and governmentsectors drives the Industrial Capacity Utilization Rate up to approximately 70 - 73 percent during Year 2004 - 2005reflecting increasing demand for machinery for capacity improvement or expansion and thereby raising theexpansion trend for machinery and vehicle hire purchase / leasing market. Furthermore, due to its skill andexperience from being in business for more than 20 years, good relationship with asset dealer and pricing policyemphasizing not on price cut but instead on the importance of service quality enhancement as well as highliquidity of assets under hire purchase / leasing agreement, the Subsidiary then has potential to compete in theincreasingly competitive market condition.

3. Factoring Business

Factoring is one type of financing which helps increase liquidity to business operators by which they can receiveadvance payment for the product and service used as a working capital. In addition, the requirement of factoring onthe assignment of claiming rights over trade receivables can be done easier than the application for a short-termloan from financial institutions. Together with the governmental policy to promote small and medium-sizeenterprises, the factoring business has continually gained its popularity. As such, the financial institutions whosefinancial costs are low and other companies with stable financial and liquidity are interested in the factoring industry.In addition, some financial institutions provide Account Receivable Financing which is a short-term working capitalfinancing similar to factoring service except that the notification of assignment of claiming rights over accountsreceivable is not required but the applicant needs to issue promissory note to the financial institutions for advancepayment instead. The competition in factoring business becomes even more intensified, both in terms of pricingand servicing. The factoring service providers therefore attempted to offer a low interest rate to attract customerstogether with quick and integrated variety of services to facilitate the customers to quickly draw down cash advancefor their working capital. Due to the fact that the Subsidiary provides both domestic and international factoringtogether with its policy to provide quality financing by emphasizing on the quality and financial status of product/service sellers and their accounts receivables, clear and accurate assignment procedure and system, provision ofsupport only to business with potential and low-risk as well as financing mostly with recourse, the Subsidiary thenhas potential to compete in the market.

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Annual Report 2005

Risk Factors1. Risk of Mismatching between the Term of Financing and Source of Fund

Risk of interest rate fluctuation and financial liquidity may arise as a result of mismatching between term of financingand source of fund of the Company and its subsidiary as the Company and its subsidiary charge a fixed interestrate to their hire purchase and leasing customers throughout the term of agreements whilst their major sources offund are loans whose borrowing costs fluctuate according to the market interest rate. However, as approximately45 percent - 50 percent of total receivables of the Company and its subsidiary are repaid in each year, theCompany and its subsidiary can lend the proceeds collected to new debtors at the higher interest rate according tothe market rate. In addition, the Company and its subsidiary have reduced their proportion of short-term floatingrate loans and increased the proportion of long-term fixed rate loans instead in order to mitigate the effect and riskof interest rate rise.

In relation to the financial liquidity risk, the Company and its subsidiary can be exposed to the risk of demand forloan repayment or non-renewal of the loans after maturity by the financial institutions as the majority of loan ofthe Company and its subsidiary are short-term. However, most of these short-term loans are from financialinstitutions, which are the Companyûs major shareholder, and hence the risk of demand for repayment is minimal.Since the economic crisis in the Year 1997 the Company and its subsidiary never had any problem concerning thesource of borrowing and sufficiency of the working capital as their short-term loans have never been recalled forrepayment or unable to renew upon maturity. In addition, the Company and its subsidiary has secured additionalcredit line from domestic financial institutions and sought more fund from new sources such as equity market, whichwill help lower liquidity risk.

2. Risk from Marketing and Competition

Due to the fact that the auto hire purchase financing of the Company relates to the change in domestic auto salestogether with the fact that the Company and its subsidiaryûs incomes are mainly derived from auto hire purchaseservices, accounting for around 68.86 percent of total revenue at the end of Year 2005, the Company and itssubsidiary may expose to the risk arisen from the recession of automobile industry. However, the Company and itssubsidiaryûs policy are to offer a good quality service, to maintain the existing customer base, to have strict creditapproval and to have a monitoring measure for customer repayment process. If the auto industry is in downturn, theCompany and its subsidiary will slow down the expansion of service areas into other provinces but will maintain thelevel of financing. A focus will be made on an increase in the proportion of other types of financing not directlyaffected by the recession of automobile industry, e.g. machinery hire purchase & leasing and factoring services,and the increase of income from service fee in order to increase the profitability of the Company and its subsidiaryand to help alleviate the risk of dependence upon the automobile industry.

82


In addition, the Bank of Thailand establishes a Financial Master Plan, which allows the commercial bank to operatehire purchase and leasing businesses. This is expected not to draw a large number of new rivals into the industryas, at present, several commercial banks have already provided leasing and hire purchase services through theiraffiliate companies. Notwithstanding, the Company and its subsidiary have a policy to maintain the level of interestrate spread by concentrating on providing services with high yield. With more than 20-year experience in hirepurchase and leasing businesses together with diversified, full range of services provided, good relationship withdealers of hire purchased and leased assets, efficient credit management and control system and knowledgeableand experienced staff, these factors bring about convenient and fast services of the Company and its subsidiarywhich respond to the customersû demand. As such, management of the Company and its subsidiary is confident intheir competitive edge over competitors.

3. Risk of Used Cars Financing

Financing between new and used cars differs in terms of risk and return to service providers. Although financing ona used car encounters a higher risk than a new one in terms of car appraisal, it provides a higher return. In orderto prevent the risk which may arise from financing on used cars, the Company and its subsidiary set out a policy offinancing on autos that are popular, liquid and durable which will be easily marketable at good prices in resalemarket. A measure of credit approval on used cars is strictly and tightly set out. Additionally, the Company and itssubsidiary have policy to maintain a good relationship with a number of used car dealers. Used car transaction willbe made only with trustworthy and financially stable dealers who only sell quality used cars at reasonable prices.This will help reduce the potential risk which may arise from the substandard used cars while increasing confidenceof the Company and its subsidiaryûs customers. The Company and its subsidiary are also staffed with experiencesin used car marketing together with specific expertise in used car appraisal and inspection to maximize theaccuracy of credit verification. Additionally, the staffs are also highly experienced in debt monitoring, collection andacceleration. Accordingly, the Company and its subsidiary have never experienced loss arising from significanterror in the appraisal of hire-purchased cars. Historically, the Company and its subsidiary have never encountereda lack of qualified personnel as a promotion policy is clearly set out together with appropriate remuneration andstandard operation system. Staff training is also arranged on a regular basis to enhance their knowledge andoperating skill.

4. Risk of Non-Performing Assets

Risk of non-performing assets is one of the risks which might arise as a result of financing. Thus Credit providersrequire qualified personnel, efficient credit approval system and adequately strict credit control and collection. Toprevent the risk from non-performing assets, the Company and its subsidiary hence have laid out the measurescomprising screening of quality employees and customers, strict and careful credit approval and effective creditcontrol and collection. In addition, the Company and its subsidiary opt for the liquid and popular assets which canbe 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 Company and itssubsidiary can pursue the collection and legal proceeding to claim for the remaining debts from its debtors. Assuch, the risk from non-performing assets of the Company and its subsidiary has been minimal. As at the end ofYear 2005 and 2004, non-performing assets accounted for 0.45 percent and 0.37 percent of total outstandingreceivables of the Company and its subsidiary, respectively. In addition, the Company and its subsidiary alsocontinued to collect these bad debts and can partially collect money and other assets from the debtors.

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Annual Report 2005

Shareholding and Management StructureOrganization Chart

Note: * According to the resolutions from the Companyûs meeting of the Board of Directors No. 2nd/2006 held on February 22, 2006, it acknowledged the

resignation of Mr. Tang, Lai-Wang from Director, Executive Director and Deputy Managing Director and appointed Mr. Shen, Ying-Hui to be Director

and Executive Director.

** According to the resolutions from the Companyûs meeting of the Executive Board of Directors No. 3rd/2006 held on March 22, 2006, it appointed Mr.

Tientavee Saraton to be Deputy Managing Director, which is effective on April 1, 2006.

*** According to the resolutions of the Companyûs meeting of the Executive Board of Directors No. 3rd/2006 held on March 22, 2006, it appointed

Mr. Srayuth Khaola-iead to be General Manager and Mr. Chonpichet Tantigittipinyo to be Senior Assistant General Manger, which is effective on

April 1, 2006.

Audit CommitteeExecutive Bord

Internal Audit Dept.Managing Dircetor

Deputy Managing Dircetor*

To overseeSubsidiary

Chief Financial

Officer

Bord of Dircetors

Genneral Manager**

Chief Information

Officer

Chief Administrative

Officer (Acting)AGM***

(Marketing Divis.)

AGM

(Branch Divis.)

AGM***

(Credit Control Divis.)

Marketing

(Line 1)

Marketing

(Line 2)

Credit

Operation Dept.

Insurance Dept.

Samutsakorn Branch

Rayong Branch

Phitsanulok Branch

Customer Service

Dept.

Verification Dept.

Legal Dept.

Accounting Dept.

Finance Dept.

Investor Ralations

Dept.

Information System

and Automation

Dept.

Planning Dept.

Humam Resources

and Administration

Dept.

Debt Management

Dept.

84


Shareholding Structure

The top 10 shareholders as at December 31, 2005 are:

Sno. Name No. of Shares (Shares) %

1 AK Enterprise (Thailand) Co., Ltd. 40,080,440 34.852. Chailease Finance Co., Ltd. 38,942,480 33.863. Bangkok Bank Public Company Limited 8,449,780 7.354. Thai NVDR Co., Ltd. 2,822,000 2.455. Bangkok Insurance Public Company Limited 1,102,140 0.966. Asia Plus Securities Public Company Limited 826,620 0.727. Mr. Booncharn Thaechatanant 750,000 0.658. Bualuang Thanakom Open-end Fund 723,000 0.639. Mr. Siwarit Puangsaeng 683,200 0.5910. Mr. Chatree Sophonpanich 606,180 0.53

Total 94,985,840 82.59

Management

Management structure includes the Board of Directors, the Audit Committee, the Executive Board of Directors and theManagement.Board of Directors

The Companyûs Board of Directors consists of 12 members with 3 members of the Audit Committee 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. Tang, Lai-Wang 1 Executive Director / Deputy Managing Director4 Mr. Tientavee Saraton 2 Executive Director / General Manager5 Mr. Huang, Cheng-Ming Director6 Mr. Huang, Ming-Fu Director7 Mr. Fong-Long, Chen Director8 Mr. Yang, Chia-Ming 3 Director9 Mrs. Patima Chavalit Director10 Mr. Pradit Sawattananond Chairman of the Audit Committee /

Independent Director11 Mr. Anant Svattananon Member of the Audit Committee /

Independent Director12 Pol. Lt. Gen. Pichit Kuandachakupt Member of the Audit Committee /

Independent Director

Note: 1 According to the resolutions from the Companyûs meeting of the Board of Directors No. 2nd/2006 held on February 22, 2006, it acknowledged theresignation of Mr. Tang, Lai-Wang from Director, Executive Director and Deputy Managing Director, and appointed Mr. Shen, Ying-Hui to be Directorand Executive Director.

2 According to the resolutions from the Companyûs meeting of the Executive Board of Directors No. 3rd/2006 held on March 22, 2006, it appointed Mr.Tientavee Saraton to be Deputy Managing Director, which is effective on April 1, 2006.

3 According to the resolution of the Companyûs meeting of the Board of Directors No. 3rd/2005 held on March 23, 2005, it acknowledged the resignationof Mr. Koo, John-Lee from Director and appointed Mr. Yang, Chia-Ming to be Director.

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Annual Report 2005

Power, Role and Responsibilities of the Board of Directors

1. To administrate and manage the Companyûs business in conformity with applicable laws, companyobjectives, and the articles of association as well as the resolutions of the shareholdersû meeting. To use hisauthority to do any action as specified in the memorandum of association or which may be relevant to suchaction pursuant to the Public Limited Companies Act honestly and in good faith and with care to preservethe interest of the Company and to disclose any information accurately and completely standardized and tobe 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 annualbusiness plan, budgeting, or management including policy or administrative matters which has no set policyor which is beyond the authority of the Executive Board of Directors but requested for approval by themunder the authority and/or authorized amount that the Board of Directors are approved by the meeting ofshareholders.

3. The Board of Directors may appoint the directors and/or some executives as deemed appropriate toadministrate and manage the Companyûs business as assigned by the Board of Directors; unless it is clearlystipulated otherwise 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 businessof the company; become a partner in an ordinary partnership; become a partner with unlimited liability ina limited partnership, or become a director of a private company or any other public limited companyoperating business which has the same nature as and is in competition with the business of the Companyeither for the directorûs own benefit or for the benefit of other persons, unless the director notifies theshareholdersû meeting before the resolution 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,names of the contracting party and his/her interest in the contract. Furthermore, a director shall notify theCompany if he/she holds shares or a debenture or any other securities of the Company or any affiliatedcompany, which have increased 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 controlsystem by appointing the internal audit department to follow up and co-proceed and coordinate with theAudit Committee to conduct the business of the company to comply with the laws and the regulations ofcompetent bodies in line with business moral.

The authorization of powers to the Board of Directors shall be subject to the laws, rules and regulationsof the Company and relevant authorities such as the Securities and Exchange Commission, the StockExchange of Thailand.

86


Executive Board of Directors

Currently, the Executive Board of Directors consists of 6 members as follows:


2 Mr. Lo, Jun-Long Executive Director / Managing Director3 Mr. Tang, Lai-Wang 1 Executive Director / Deputy Managing Director4 Mr. Tientavee Saraton 2 Executive Director / General Manager5 Mr. Fong-Long, Chen 3 Director6 Mr. Huang, Cheng-Ming Director

Note: 1 According to the resolutions from the Companyûs meeting of the Board of Directors No. 2nd/2006 held on February 22, 2006, it acknowledged the

resignation of Mr. Tang, Lai-Wang from Director, Executive Director and Deputy Managing Director, and appointed Mr. Shen, Ying-Hui to be Director

and Executive Director.2 According to the resolutions from the Companyûs meeting of the Executive Board of Directors No. 3rd/2006 held on March 22, 2006, it appointed

Mr. Tientavee Saraton to be Deputy Managing Director, which is effective on April 1, 2006.3 According to the resolutions from the Companyûs meeting of the Board of Directors No. 3rd/2005 held on March 23, 2005, it acknowledged the

resignation of Mr. Koo, John-Lee from Director of the Executive Board of Directors and replaced with Mr. Fong-Long, Chen as Director.

Power, Role and Responsibilities of the Executive Board of Directors

1. 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

and Selling) Approval, and request for approval to the Board of Director for which is beyond the grantedauthority and/or authorized amount. To consider and have authority on personnel Policy which includes recruiting,transferring, promoting, terminating, compensating, annual salary increase and other related human resourcemanagement as granted 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 underthe 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 of the above Executive Board of Directors, such authority shallbe under the rules and regulationsû of relevant laws, regulations and article of association of the Company. Inaddition, the members of the Executive Board of Directors or then related persons will not be able to approvethe transactions which are not normal course of business of the Company or under generally accepted conditionswhile they have conflict or participation or interest against the Company or the Companyûs subsidiary and shallreport the transactions to the BOD to comply with the role and regulation of the SET.

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Annual Report 2005

Audit Committee

Currently, the Audit Committee consists of 3 members as follows:

1 Mr. Pradit Sawattananond Chairman of the Audit Committee / Independent Director2 Mr. Anant Svattananon Member of the Audit Committee / Independent Director3 Pol. Lt. Gen. Pichit Kuandachakupt Member of the Audit Committee / Independent Director

Role and Responsibilities of the Audit Committee

1. To check and examine the Companyûs financial reports so that the Company shall have correct and completefinancial reports for disclosure. In performing such duty, the independent directors and the Audit Committee shallcoordinate with outside auditors and responsible executives in preparing the quarterly and annual financial reports.The independent directors and the Audit Committee may suggest the auditors to check or examine any accountingitems as seen necessary and material while auditing the Companyûs accounts.

2. To check and examine the Companyûs internal control and audit system so that the Company shall have a suitableand efficient internal control and audit system. The independent directors and the Audit Committee shall jointly workwith outside and internal auditors.

3. To check and monitor the Companyûs performance so that the Company shall comply with the Securities andExchange Act, rules and regulations of SET Office or any laws regarding the securities business.

4. To consider choosing and nominating the Companyûs auditors and proposing their remuneration after considerationof the reputation, sufficiency of resources and quantities of audit works of any audit offices and experiences of thepersons assigned to audit the Companyûs accounts.

5. To consider disclosing the correct and complete Companyûs data in case of having the conflict of interest orconnected transaction that may lead to the conflict of interest.

6. To perform any duties as assigned by the Companyûs Board of Directors and agreed by the Audit Committee, suchas the policy on financial and risk management, considering the management boardûs business etiquette, andconsidering any important reports together with the Companyûs management board that shall be disclosed to thepublic as required by law, such as the managementûs reports and analysis.

7. To prepare the report on activities of the Audit Committee to be disclosed in the Companyûs annual report. Suchreport shall be duly signed by the chairman of the Audit Committee.

88


Management

Current, management comprises:


2 Mr. Lo, Jun-Long Executive Director / Managing Director3 Mr. Tang, Lai-Wang 1 Executive Director / Deputy Managing Director4 Mr. Tientavee Saraton 2 Executive Director / General Manager5 Mr. Danai Lapaviwat Chief Financial Officer/ Secretary of the Board of Directors6 Mr. Sarayuth Chaisawadi Chief Information Officer/ Acting Chief Administrative Officer

Note : 1 According to the resolutions the Companyûs meeting of the Board of Directors No. 2nd/2006 held on February 22, 2006, it acknowledged the resignationof Mr. Tang, Lai-Wang from Director, Executive Director and Deputy Managing Director, and appointed Mr. Shen, Ying-Hui to be Director andExecutive Director.

2 According to the resolutions of the Companyûs meeting of the Executive Board of Directors No. 3rd/2006 held on March 22, 2006, it appointed Mr.Tientavee Saraton to be Deputy Managing Director, Mr. Srayuth Khaola-iead to be General Manager and Mr. Chonpichet Tantigittipinyo to be SeniorAssistant General Manager, which is effective on April 1, 2006.

Board of Directors and Managementsû Profiles

Dr. Amnuay Viravan Highest Education Doctor of Business Administration, University of Michigan U.S.A.Chairman of the Board / Training Director Accreditation Program No. 18/2005, Thai Institute ofChairman of the Executive Experience Directors AssociationBoard 2004 - 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 PublicCompany Limited

2002 - Present Chairman of the Board of Directors, Saha-UnionPublic Company Limited

2002 - Present Chairman of the Board of Directors, Union Textile IndustrialPublic Company Limited

1999 - Present Chairman of the Board of Directors, Asia CementPublic Company Limited

1997 - Present Chairman of Board of Directors, Union Energy Co., Ltd.Changes of shares held as at 31 December 2005, compared with those of 2004 (Remain unchange at 462,800 shares)

Mr. Lo, Jun-Long Highest Education Master of Business Administration, University of Santa Clara, U.S.AExecutive Director/ Training Director Accreditation Program No. 22/2004, Thai Institute ofManaging Director Directors Association

Director Certification Program No. 48/2004, Thai Institute ofDirectors Association

Experience2004 - 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 LimitedChanges of shares held as at 31 December 2005, compared with those of 2004 (Remain unchanged at 180,050 shares)

89

Annual Report 2005

Mr. Tang, Lai-Wang 1 Highest Education Master of Business Administration, Chung Yuan UniversityExecutive Director/ Taiwan, R.O.CDeputy Managing Training Director Accreditation Program No. 22/2004, Thai Institute ofDirector Directors Association


Experience2004 - Present Executive Director, Asia Sermkij Leasing Public Company Limited2000 - Present Director/ Deputy Managing Director, Asia Sermkij Leasing Public

Company Limited2000 - Present Executive Director/ Deputy Managing Director, Bangkok Grand

Pacific Lease Public Company LimitedChanges of shares held as at 31 December 2005, compared with those of 2004 (Remain unchanged at 151,580 shares)

Mr. Tientavee Saraton 2 Highest Education Master of Science in Management, Arthur D. Little ManagementExecutive Director/ Education Institute U.S.A.General Manager Training Director Accreditation Program No. 22/2004, Thai Institute of

Directors AssociationDirector Certification Program No. 48/2004, Thai Institute ofDirectors Association

Experience2004 - 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 Limited1992 - Present Director/ General Manager, Asia Sermkij Leasing Public Company Limited

Changes of shares held as at 31 December 2005, compared with those of 2004 (Remain unchanged at 178,380 shares)

Mr. Huang, Cheng-Ming Highest Education Master of Science in Management, Massachusetts Institute ofDirector Technology (MIT), U.S.A.

Experience2004 - Present Director, Asia Sermkij Leasing Public Company Limited2004 - Present Director, Bangkok Grand Pacific Lease Public Company Limited2004 - Present Chairman, My-Funding Corporation2004 - Present Secretary General / CSO, Chailease Group1995 - 2003 Chairman / CEO, Otto-Chailease Mailorder Co., Ltd.


Mr. Huang, Ming-Fu Highest Education Bachelor of Business Administration, Soochow University Taiwan, R.O.C.Director Experience

2002 - Present Director, Asia Sermkij Leasing Public Company Limited2002 - Present Director, Bangkok Grand Pacific Lease Public Company Limited1994 - Present Chairman/ President, Grand Pacific Investment & Development Co., Ltd.


Note :1 According to the resolutions from the Companyûs meeting of the Board of Directors No. 2nd/2006 held on February 22, 2006, it acknowledged the

resignation of Mr. Tang, Lai-Wang from Director, Executive Director and Deputy Managing Director, and appointed Mr. Shen, Ying-Hui to be Directorand Executive Director.

2 According to the resolutions from the Companyûs meeting of the Executive Board of Directors No. 3rd/2006 held on March 22, 2006, it appointedMr. Tientavee Saraton to be Deputy Managing Director, which is effective on April 1, 2006.

90


Mr. Fong-Long, Chen Highest Education Master of Science in Management, Massachusetts Institute of

Director Technology (MIT), U.S.A.

Experience

1999 - Present Director, Asia Sermkij Leasing Public Company Limited

1999 - Present Director, Bangkok Grand Pacific Lease Public Company Limited

2002 - Present President, Chailease Finance Co., Ltd.

2000 - 2002 President, Chailease Acom Finance Co., Ltd.

1999 - 1999 Secretary General, Chailease Group


Mr. Yang, Chia-Ming Highest Education Master of Art & Science, University of Missouri, U.S.A.

Director Experience



2005 - Present Chief Finance Officer, Chailease International Finance Corporation

2004 - Present Vice President, Finance & Administrative Dept., My Funding

Corporation

2003 - Present Special Assistant to Chairman, Chailease Group

2000 - 2003 Manager, Finance & Administrative Dept., My Funding Corporation

Changes of shares held as at 31 December 2005, compared with those of 2004 None

Mrs. Patima Chavalit Highest Education Bachelor of Accounting, Chulalongkorn University

Director Training Director Certification Program No. 48/2004, Thai Institute of Directors

Association

Experience



2005 - Present Senior Vice President, Office of the President, Bangkok Bank Public

Company Limited

2001 - 2005 Director/ Executive Vice President, Bualuang Finance Co., Ltd.


Mr. Pradit Sawattananond Highest Education Master of Business Administration, Central State University,

Chairman of the Training Oklahoma, U.S.A.

Audit Committee/ Director Accreditation Program No. 19/2004, Thai Institute of

Independent Director Directors Association

Director Certification Program No. 3/2000, Thai Institute of

Directors Association

Audit Committee Program No. 3/2004, Thai Institute of Directors

Association

91

Annual Report 2005

Experience2004 - Present Chairman of the Audit Committee/ Independent Director, Asia

Sermkij Leasing Public Company Limited2005 - Present Advisor to the Committee on Economics Department, The House

of Representatives2004 - Present Independent Director, Thai Film Industries Public Company Limited2004 - Present Director, Thailand Securities Depository Co., Ltd.2001 - Present Specialist of the Committee on Finance, Banking and Financial Institution,

The House of Representative2000 - Present Director/ Audit Committee Member, KGI Securit ies Public

Company LimitedChanges of shares held as at 31 December 2005, compared with those of 2004 (Remain unchanged at 60,000 shares)

Mr. Anant Svattananon Highest Education Commerce Course, The Institute of Foreign Languages BusinessAudit Committee/ Development & Management CourseIndependent Director Training Director Accreditation Program No. 38/2005, Thai Institute of

Directors AssociationExperience2004 - Present Audit Committee/ Independent Director, Asia Sermkij Leasing Public

Company Limited1998 - Present Executive Vice Chairman, Shanghai Kinghill Co., Ltd. Pudong P.R.O.C.1998 - Present Managing Director, Star of Andaman Co. , Ltd.


Pol. Lt. Gen. Pichit

Kuandachakupt Highest Education Master of Arts (Social Development), Kasetsart UniversityAudit Committee/ Training Director Accreditation Program No. 19/2004, Thai Institute ofIndependent Director Directors Association


Experience2004 - Present Audit Committee/ Independent Director, Asia Sermkij Leasing Public

Company Limited2003 - Present Assistant Commissioner-General (Crime Suppression 11), The Royal

Thai Police2002 - 2003 Commissioner of Provincial Police Region 7, The Royal Thai Police2000 - 2002 Commissioner of Provincial Police Region 1, The Royal Thai Police

Changes of shares held as of 31 December 2005, compared with those of 2004 (Remain unchanged at 60,000 shares)

92


Mr. Danai Lapaviwat Highest Education Master of Business Administration, San Diego State University, U.S.A.Secretary of the Board / Training Director Certification Program No. 48/2004, Thai Institute ofChief Financial Officer Directors Association

Experience2004 - Present Secretary of the Board of Directors, Asia Sermkij Leasing Public

Company Limited2003 - Present Chief Financial Officer, Asia Sermkij Leasing Public Company Limited2003 - Present Chief Financial Officer, Bangkok Grand Pacific Lease Public

Company Limited2002 - 2003 Senior Manager, Tuntex Petrochemical (Thailand) Public Company Limited2000 - 2001 Vice President, Indosuez W.I. Carr / Credit Agricole Indosuez

Changes of shares held as of 31 December 2005, compared with those of 2004 (Remain unchanged at 89,080 shares)

Mr. Sarayuth Chaisawadi Highest Education Master of Science, National Institute of Development AdministrationChief Information Training Director Certification Program No. 48/2004, Thai Institute ofOfficer / Acting Directors AssociationAdministrative Officer Experience

2004 - Present Acting Chief Administrative Officer, Asia Sermkij Leasing PublicCompany Limited

2002 - Present Chief Information Officer, Asia Sermkij Leasing Public CompanyLimited

2000 - 2002 Chief Operating Officer, ICE Consulting Co., Ltd.Changes of shares held as of 31 December 2005, compared with those of 2004 (Remain unchanged at 55,000 shares)

Selection of the Board of Directors and Management

The Company does not establish the selection committee to select director and management position. In the selectionprocess, the Companyûs Board of Directors will consider in conjunction with the Audit Committee. The person selected tobe director or the management of the Company must not have a character prohibited by law. Selection of the directorwill be conducted based on material provisions stipulated in the Companyûs articles of association. The approval ofappointment and determination of remuneration for the Board of Directors and the management will be made by theshareholdersû meeting and the Executive Board of Directors, respectively.

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Annual Report 2005

Remuneration for Directors, Executive Directors and Management

Cash Remuneration1. Remuneration for Directors

In Year 2005 remuneration for the Company and its subsidiaryûs directors consisted of meeting allowance asapproved by the shareholdersû meeting as follows:

Name Position Baht

Dr. Amnuay Viravan Chairman of the Board of Directors/ 100,000

Chairman of the Executive Board of Directors

Mr. Lo, Jun-Long Executive Director / Managing Director 100,000

Mr. Tang, Lai-Wang Executive Director / Deputy Managing Director 100,000

Mr. Tientavee Saraton Executive Director / General Manager 100,000

Mr. Koo, John-Lee Director (Resigned Director) 20,000

Mr. Yang, Chia-Ming Director (New Director) 80,000

Mr. Huang, Cheng-Ming Director 100,000

Mr. Huang, Ming-Fu Director 100,000

Mr. Fong-Long, Chen Director 100,000

Mrs. Patima Chavalit Director 100,000

Mr. Pradit Sawattananond Chairman of the Audit Committee /

Independent Director 360,000

Mr. Anant Svattananon Member of the Audit Committee /


Pol. Lt. Gen. Pichit Kuandachakupt Member of the Audit Committee /


Total 1,740,000

2. Remuneration for Executive Directors and ManagementIn Year 2005 remuneration for the Company and its subsidiaryûs executive directors and management totaling6 persons consisted of salary, bonus, provident fund, social security fund and other remuneration. Total cashremuneration stood at Baht 24.24 million, Baht 23.60 million of which being salary and bonus and Baht 0.64 millionbeing provident fund, social security fund and other remuneration.

Other Remuneration-None-

Shareholding of Directors and Management

Name Ordinary Share* (Shares) Name Ordinary Share* (Shares)

As at Year As at Year As at Year As at Year

Ended 2004 Ended 2005 Ended 2004 Ended 2005

Director Director

Dr. Amnuay Viravan 462,800 462,800 Mr. Huang, Ming-Fu 231,400 231,400

Mr. Lo, Jun-Long 180,050 180,050 Mr. Fong-Long, Chen 231,400 231,400

Mr. Tang, Lai-Wang 151,580 151,580 Mrs. Patima Chavalit 251,400 251,400

Mr. Tientavee Saraton 189,400 189,400 Mr. Pradit Sawattananond 60,000 60,000

Mr. Yang, Chia-Ming - - Mr. Anant Svattananon 50,000 50,000

Mr. Huang, Cheng -Ming 231,400 231,400 Pol. Lt. Gen Pichit Kuandachakupt 60,000 60,000

Management Management

Mr. Danai Lapaviwat 89,080 89,080 Mr. Sarayuth Chaisawadi 55,000 55,000

* Including shares held by related parties.

94


Principles of Good Corporate Governance

Corporate Governance

The Company establishes the operational policy concerning corporate governance system of the management in order tomaximize the efficiency of the Companyûs management. The Companyûs Board of Directors sets out the Code of BestPractice for directors of a listed company to comply with the Stock Exchange of Thailand approach. Additionally, suchCode of Best Practice is set to enhance the transparency and effectiveness of the management, which will createconfidence to the shareholders, investors and all concerned parties. The Companyûs good corporate governance aresummarized as follows:

1. Policy on corporate governance

The Companyûs Board of Directors recognizes the importance of good corporate governance and hence sets outa policy to effectively operate and manage business which are equitable to all stakeholders and concerned partiesin order to encourage the managementûs efficiency and business expansion under business transparency andethics. This will help increase the competitiveness of the Company and will provide confidence together withlong-term benefits toward the shareholders, investors and all concerned parties. Such principals and approachinclude determination of the rights and equality of shareholders and stakeholders, determination of structure, roles,duties, responsibilities and independence of the Board of Directors, regular disclosure of accurate information topublic, risk control and management and support on the operation in accordance with business ethics.

2. Shareholdersû right and equality

The Company recognizes the importance of the right of shareholders and sets out a policy to treat everyshareholder equally. As a result, the Company will timely, accurately and completely disclose material informationand news to its shareholders on a regular basis. In an invitation to the shareholdersû meeting, the Company willdeliver a meeting invitation letter together with support information relevant to meeting agenda to the shareholders7 days prior to the meeting date. Invitation letter for the meeting is also announced in the newspaper with completeopinion of the Board of Directors on each meeting agenda in order that the shareholders have sufficient time toconsider the information prior to attending the meeting. Minutes of the meeting are also accurately recorded forfurther review by the shareholders. The Company intends to provide additional option to the shareholders byauthorizing the independent director of the Company as a proxy on behalf of the shareholders in case theshareholders cannot attend the meeting.

Historically, the annual general meeting of shareholders is convened once per annum. However, in case of urgentagenda which requires the approval from the shareholdersû meeting, the extraordinary shareholdersû meeting willbe convened to consider such agenda. Every shareholder is entitled to use his/her right to vote and express opinionor make inquiry before making decision.

3. Stakeholdersû right

The Company recognizes and is aware of the importance of the rights of all groups of stakeholders, especiallymanagement and employee, dealer, creditor, debtor, community, society, government and other related entities.It recognizes the support from various stakeholders which helps enhance the competitiveness and operatingperformance of the Company and will be a good support in a long run.

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Annual Report 2005

4. Shareholdersû meeting

In each shareholdersû meeting, the Company delivers the meeting invitation letter, indicating meeting agenda andsupport information of each agenda, to shareholders 7 days prior to the meeting. On the meeting date, theChairman of the meeting will provide equal opportunity for the shareholders to freely review the Companyûsoperation, raise their inquiries and express their opinion and suggestion. All of the Companyûs directors will attendthe shareholdersû meeting to respond to the inquiries and provide opinion in the shareholdersû meeting. Anymaterial inquiry and opinion will be recorded in the minutes of the meeting for further review by the shareholders.

5. Leadership and vision

The Companyûs Executive 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 inaccordance with the targeted plan in an effective and efficient manner. It also has a duty to establish the appropriateinternal control, internal audit and risk management system, and to ensure that the financial report is provided ona regular basis under supervision of the Audit Committee in order for the Company to meet the determined targetand to provide optimal benefits to all groups of stakeholders.

6. Conflict of interest

The Company proceeds to prevent any potential conflict of interest by restructuring the shareholding structure ofthe group company and setting up the Audit Committee to participate in a consideration of disclosure of informationregarding related transactions. In case where there is any transaction which might cause potential conflict ofinterest, the Board of Directors, especially non-interest directors, together with the Audit Committee will cautiouslyconsider its appropriateness to maximize benefit to the Company on an equitable and reasonable basis. However,in approving the Companyûs entering into related transaction, parties with interest or potential conflict of interestwill not be entitled to participate in the approval of such transaction for the sake of fairness, transparency. In casewhere the related transaction is restricted by the restriction, announcement, order, provision, rule or regulation ofthe Stock Exchange of Thailand, the Company will perform in accordance with such provisions in a strictly manner.

7. Business ethics

The Board of Directors is aware that their roles, duties and responsibilities require knowledge and capability toconduct business with ethics. They are also obliged to perform their duties according to the law, the Companyûsobjectives, articles of association and the resolution from the shareholdersû meeting with honesty, merit,responsibility and loyalty to the Company. They must provide support to the operation of the Company basedon virtue and appropriateness with an emphasis on the benefit of the Company and its shareholders. In addition,the Company has already determined the Code of Ethics for the Board of Directors, the Executive Board ofDirectors and the Audit Committee.

8. Balance of power for non-executive directors

The Board of Directors consists of 12 directors, comprising 4 executives and 8 non-executive directors. TheCompany establishes the Audit Committee comprising 3 independent directors, accounting for 25 percent ofthe Board of Directors. The Audit Committee is regarded as the representatives of minor shareholders with the dutyto supervise the operation of the Company to ensure its accuracy and transparency.

96


9. Amalgamation or segregation of positions

The Company separates the position of Chairman of the Board of Directors and Managing Director into 2 positionsto be held by different persons in order to segregate the duty of establishing governance policy from routinemanagement. Duty and authority of the Board of Directors, Executive Board and the Audit Committee are clearlyseparated to ensure the transparency, sufficient balance of power and ability to review the operation of theCompany. Resolution on any material agenda still requires the approval from the Board of Directors or the shareholdersûmeeting. In addition, authority assigned to the Board of Directors, Executive Board and the Managing Director mustnot allow the directors with interest in any transaction, whether by themselves or by their potential conflict of interestrelated parties, to approve such transaction made with the Company or Subsidiary.

10. Remuneration for directors and management

The remuneration policy for directors, as approved by the shareholdersû meeting, is clearly established. Theremuneration 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 toits 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.

The Company requires that the amount of remuneration made to directors and management be disclosedaccording to the regulations of the Office of Securities and Exchange Commission.

11. Board of Directorsû meeting

At least one Board of Directorsû meeting is held in each quarter with additional meeting to be called if required. TheCompany requires the directors to attend every Board of Directorsû meeting except in case of emergency.Meeting agenda must be clearly indicated prior to each Board of Directorsû meeting with the inclusion of agendaon operational monitoring on a regular basis. The Company delivers the meeting invitation letter together withmeeting agenda and support documents for the meeting 7 days prior to the meeting to allow sufficient timing forthe Board of Directors to study on the information prior to attending the meeting. In each Board of Directorsûmeeting the Chairman of the Board of Directors is obliged to allocate adequate timing in order to enable themanagement to propose and provide thorough explanation on the material issues. Minutes of the meeting areaccurately and completely recorded in writing. Minutes of the meeting, certified by the Board of Directors, will beretained for further examination by the Board of Directors and other related parties.

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Annual Report 2005

Each director has dedicated his/her time to attend all of the Board of Directorsû meetings, except in case ofnecessity. In the Year 2005, All meetings were attended by each of the Companyûs directors as follows:

Name No. of Meetings Name No. of Meetings

Attended/ No. Attended/ No.

of Total Meeting of Total Meeting

Board of Audit Board of Audit

Directors Committee Directors Committee

Dr. Amnuay Viravan 7/7 - Mr. Huang, Ming-Fu 2/7 -

Mr. Lo, Jun-Long 7/7 - Mr. Fong-Long, Chen 3/7 -

Mr. Tang, Lai-Wang 7/7 - Mrs. Patima Chavalit 7/7 -

Mr. Tientavee Saraton 7/7 - Mr. Pradit Sawattananond 7/7 6/6

Mr. Koo, John-Lee* 0/3 - Mr. Anant Svattananon 4/7 5/6

Mr. Yang, Chia-Ming* 1/4 - Pol. Lt. Gen Pichit

Mr. Huang, Cheng-Ming 3/7 Kuandachakupt 6/7 6/6

Note: * According to the resolutions from the Companyûs meeting of the Board of Directors No. 3rd/2005 held on March 23, 2005, it acknowledged the

resignation of Mr. Mr. Koo, John-Lee from Director and appointed Mr. Yang, Chia-Ming to be Director.

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 ofDirectors. 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 amongs the directors despite being in different places. Such video conference meeting hasbeen adopted since May 2005 in order that every member of the Board of Directors can participate in the meeting.

12. Sub Committee

The Audit Committee consisted of 3 independent directors with a 2-year tenure and has a duty to supervise theoperation of the Company. Details of the authority and duty of the Audit Committee are provided in ManagementStructure. At least 1 meeting of the Audit Committee is to be held in each quarter with additional meeting to becalled if required.

Independent directors in the Audit Committee will use their own discretion in reviewing the financial report, internalcontrol 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. SuchAudit Committee will enhance the effectiveness of the Companyûs control and governance pursuant to the StockExchange of Thailand approach.

In addition, the Executive Board of Directors comprising 6 directors with a 2-year tenure. Details of the authorityand duty of the Executive Board of Directors are provided in Management Structure. It is a policy of the ExecutiveBoard of Directors to regularly arrange a meeting at least once a month with additional meeting to be called ifrequired.

98


Currently the sub committee to determine the remuneration has not been established. However, preliminaryprocess to consider appropriate remuneration is put in place based on the remuneration information of othercompanies in the same industry. The remuneration is also based on the principle of fairness and possibility to retainqualified management with the Company in order to motivate the management to conduct their duty with goodquality and standard appropriate to the assigned duty and responsibility. The remuneration of the Companyûsdirector will be proposed to the shareholdersû meeting for final approval.

13. Internal control and audit system

The Company recognizes the importance of internal control system, both at management and operational level,to enhance the efficiency of the operation. The obligation, duty and authority of the management and officer areidentified clearly in writing. Control of the use of the Companyûs assets is arranged while the function of officer andthe supervisor who evaluates the performance result is separated in order to balance the power and appropriatelycross-examine each other.

In addition, the Company establishes an internal audit department to review major operation and financial activitiesof the Company to ensure its compliance with the policy specified together with the law and regulations relatedto the Company in an efficient manner. Internal audit department will report the result of its review directly to theAudit Committee. As such, the internal audit department can independently conduct their review and balance thepower at the most extent possible.

Risk management system has been established by requiring the management to meet every week while eachdepartment is required to have at least 1 meeting every month to analyze, determine corrective and preventivemeasure, monitor and assess the risk factors, which could affect the management of the Company. It is theCompanyûs policy to have the responsible department to immediately report to the management and the Board ofDirectors should the problem or potential risk arise.

14. Report from the Board of Directors

The Board of Directors is responsible for major business operation, corporate governance, consolidated financialstatements of the Company and Subsidiary and financial information as provided in the annual report. Suchfinancial statements are prepared in conformity with the generally accepted accounting principles in Thailand.Appropriate accounting policy is used and adopted on a regular basis. Cautious judgement and most appropriateestimates are utilized in the preparation of financial information. Material information is also adequately disclosed inthe notes to financial statements.

The Board of Directors retains efficient and effective internal control system to ensure that the accountinginformation is accurately, completely and timely recorded in order that weak point can be detected and the fraud orirregular transactions can be prevented. In this regard, the Board of Directors establishes the Audit Committee,comprising non-executive and independent directors, to review the accounting policy, quality of financial reportsand internal control system in which the Audit Committee has provided their opinion that the Company hassufficient and appropriate internal control system.

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Annual Report 2005

15. Relationship with investors

The Board of Directors recognizes the importance of accurate, complete, transparent and prompt disclosure ofimportant information of the Company, both financial and non-financial, in order for the investors and all groups ofstakeholders to make sound decision. The Company establishes Investor Relations division who is responsiblefor the disclosure of information to public and the shareholders directly, as in charge by Mr. Danai Lapaviwat,Secretary of the Board of Directors, and Miss Chalida Haemasoot, Investor Relations Manager. The Companyûsinformation will also be disclosed through the media of the Stock Exchange of Thailand.

Supervision on the Use of Internal Information

The Company sets out the policy on a supervision on the use of internal information and complies with the policy in astrictly 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 officers toretain the information cautiously. If the information is required for disclosure, report or disclosure of such internalinformation 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, includingsecurities trading.

3. Every director and management of the Company is made aware of their duty and responsibility in providing a reporton holding of the Companyûs securities by themselves, by their spouses, minority and by other parties related todirectors and/or management, pursuant to Section 258 of the Securities and Exchange Act B.E. 1992, within 3 daysfrom the date of a change in holding of the Companyûs securities. Such requirement is in compliance with Section59 of the Securities and Exchange Act B.E. 1992.

4. Directors, management and employees in the division receiving internal information are recommended to avoid orsuspend their trading of the Companyûs securities for a period of 1 month prior to the disclosure of financialstatements to public.

Disciplinary penalty is determined should the policy be violated. Punishment will be determined based on the intentionof the action and the severity of such wrongdoing.

100


Dividend Payment Policy

The Company and its subsidiary are, according to the Company and its subsidiaryûs circumstances from time to time,to declare dividend in an appropriate rate, considering their performance, financial standing, and economic conditions.The payment rate shall not be less than 40 percent but not more than 70 percent, for the Company, and not less than 50percent, for the Subsidiary, of the payable amount arising after the Company and its 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 oftheir obligations, except for the Company and its subsidiary require to utilize any part or all of such payables on investmentto generate higher income. This payment, in any event, shall be subject to the Company and its subsidiaryûs Articles ofAssociation, prohibiting them from paying any dividend from other monies than profit. Additionally, where the Companyand 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 each share), underthe approval from a meeting of shareholders. However, the Company and its subsidiary might, from time to time, payinterim dividend to the shareholders as their profits are deemed adequate for such purpose, and, if so, report the same tothe shareholders in their next meeting.

However, the Board of Directors might decide otherwise, or amend the said Policy from time to time, provided that suchdecision is made for the shareholdersû best interest

Future Plan

The Company and its subsidiary plan to gradually expand their financial services to individuals and small and mediumsize enterprises by expanding the all types of financing, i.e. hire purchase, leasing, factoring and floor plan. The Companyand its subsidiary also plan to increase the proportion of income generated from other support services related to theircore business. Accordingly, branch or service outlet expansion is one of the approaches to enlarge the service area andexpand financing volume. In addition, the Company is planning to develop its Management Information System (MIS). TheTransaction Processing System (TPS) is currently under development and expected to complete in the 2nd quarter of Year2006 to support business expansion and enhance the Comapnyûs competitiveness.

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Annual Report 2005

Connected Transactions

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 toappropriate market rate and condition. In case where the transaction is not normal business transaction or without normaltrading terms, such transaction must be presented to the Board of Directorsû meeting for approval except where theconnected transaction is the normal business transaction or has normal trading terms which can be approved by theExecutive Board of Directors or Managing Director within the predetermined authorized limit. . In approving the connectedtransaction, directors and persons with potential interest or potential conflict of interest will not be entitled to participatein the voting of such transaction. Such transaction must be reported to the Companyûs Board of Directors for furtheracknowledgement accordingly. In entering into such transaction, it must be ensured that the transaction must providemaximum benefit to the Company. In considering the transaction, the Audit Committee must attend the meeting for reviewits necessity and reasonableness by considering price and rate of return of such transaction. In case where the AuditCommittee does not have expertise in considering the transaction arisen, the Company will arrange to have person withexpertise 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 decision making of the Companyûs Board of Directorsor shareholders as the case may be. In addition, the information on connected transactions will be disclosed in the notesto financial statements as audited by the Company and its subsidiaryûs auditor. The connected transaction must be madein accordance with the Securities and Exchange Act, rules and regulations, notification, order or provision of the Office ofSecurities and Exchange Commission and/or the Stock Exchange of Thailand concerning the connected transactions orthe acquisition and disposal of the Companyûs asset in a strictly manner. The Company must also comply with theprovision concerning the disclosure of information of connected transaction and acquisition or disposal of asset. Inentering into any potential connected transaction in the future, the Company will proceed according to the measurestipulated above. It has a policy to operate in accordance with normal course of business by referring to appropriatemarket rate and condition to maximize benefit to the Company.

Details of Connected Transaction

According to the resolution from the meeting of the Board of Directors No. 2nd/2006 on February 22, 2006, also attendedby the Audit Committee or the independent directors to review the connected transaction for the period ended 31 Decem-ber 2004 and 31 December 2005, the Board of Directors provided opinion concerning connected transactions that suchconnected transaction were necessary for the ordinary course of business whereas terms of such connected transactionswith connected persons during such period were according to the market rate, contractual and agreed price which werereasonable and in the ordinary course of business. Details of the transaction can be summarized as follows:

102


1. Bangkok Bank Public

Company Limited /

- Hold 7.35 percent of the

Companyûs shares

(previously a shareholder of

the Subsidiary but becomes

the Companyûs shareholder

after the restructuring

of shareholding structure

in May 2004).

Parties with Potential Type of Transaction Value of Connected Transaction Reason and Necessity

Conflict / Nature of for the Period Ended of the Connected

Transaction (Thousand Baht) Transaction / Remark

31 December 31 December

2004 2005

Savings and current deposit at

bank, bank overdraft, short and

long-term loan, aval fee of the

Company and its subsidiary for

working capital and business

expansion

- Audit Committee and/or

independent director have

reviewed and considered

this item and provided

opinion that interest rate

charged is similar to the

market rate and deemed

reasonable in the ordinary

course of business.

2. Bangkok Insurance Public

Company Limited /

- Hold 0.96 percent of the

Companyûs shares

(previously the shareholder

of the Subsidiary but

becomes the Companyûs

shareholder after the

restructuring of shareholding

structure in May 2004).

Short-term loan of the

Subsidiary for working capital

with the interest charged

according to the market rate



reviewed and considered this

item and provided opinion

that interest rate charged is

similar to the market rate and

deemed reasonable in the

ordinary course of business.

1. Savings and current deposit 9,746.90 18,648.08

2. Bank overdraft 23,601.41 57,734.01

3. Short-term loan 1,415,000.00 2,990,000.00

4. Long-term loan 1,050,000.00 1,000,000.00

5. Accrued interest expense 5,917.06 4,218.86

6. Interest expense 64,815.02 106,825.59

7. Aval fee 305.33 586.04

8. Pre-paid aval fee 154.53 246.57

1. Short-term loan 30,000.00 60,000.00

2. Interest expense 402.74 907.40

103

Annual Report 2005

3. Mr. Jatupat Kuptavanichkul

or Mr. Jeffrey L.S. Koo

(Other related person) /

- The founder of Koo Group.





2004 2005

Long-term loan, accrued

interest expense and interest

expense of the Subsidiary with

the interest charged according to

the market rate









4. China Trust Commercial

Bank /

- A related company of

the Companyûs major

shareholders (Chailease

Finance Co., Ltd. and AK

Enterprise (Thailand) Co.,

Limited).

- Mr. Koo, John-Lian, a

director of China Trust

Commercial Bank, is an

elder brother of Mr. Koo,

John-Lee, a director of the

Company (resigned in March

2005).

Short-term loan of the

Company and its subsidiary

for working capital with the

interest charged according to

the market rate for the credit

line totaling USD 40 million with

the option to either borrow

directly or to withdraw in form

of Standby Letter of Credit to

be used as col lateral for

borrowing from other financial

institutions






similar to the market rate

and the fee is deemed

reasonable in the ordinary

course of business.

1. Short-term loan - -

2. Accrued interest expense - -

3. Interest expense 2,409.42 -

4. Standby L/C fee 15,243.42 17,472.45

5. Pre-paid standby L/C fee 2,647.51 948.61

1. Long-term loan 70,000.00 70,000.00

2. Accrued interest expense 244.94 244.94

3. Interest expense 1,936.36 2,884.00

5. Asset Plus Insti tut ion

Dividend Fund, Asset Plus

Money Management Fund 1

& 2 and Anantasub Flexible

Fund

- Managed by Asset Plus Fund

Management Company

Limited, the subsidiary of

Asia Plus Securities Plc.

which is the shareholder and

the related company of

the Companyûs major

shareholder.

The Company issued bill of

exchange of no greater than

3-month maturity for short-term

borrowing to support working

capital. The interest rate was

charged according to the

market rate.








ordinary course of business.1. Short-term loan - 190,000.00

2. Pre-paid interest expense - 1,227.43

3. Interest expense - 3,390.89

104


6. Mr. Udomsak

Chakreyavanich /

- Authorized director and

management of Asia Plus

Securit ies Plc., the

shareholder and the related

company of the Companyûs

major shareholder.





2004 2005

The Company issued

promissory note of no greater

than 3-month maturity for

short-term borrowing to

support working capital.

The interest rate was charged

according to the market rate.








ordinary course of business.1. Short-term loan - 45,000.00

2. Accrued interest expense - 5.68

3. Interest expense - 1,035.477. My Funding Corporation /

- Have the same major

shareholder and directors,

i.e. major related shareholder

is Chailease Finance Co.,

Ltd., holding 100 percent

shares in My Funding

Corporation and related

directors are Mr. Koo,

John-Lee (resigned from

Director in March 2005) and

Mr. Huang, Cheng-Ming.

Prepaid asset and obligation

of the Company and its

subsidiary incurred from

computer software development

contract valued US$ 615,385

million (approximate Baht 25.31

mil l ion) a the Companyûs

port ion of US$ 492,308

(approximate Baht 20.25

million) and its subsidiaryûs

port ion of US$ 123,077

(approximate Baht 5.06 million)




item. Value of such contract

is consistent with the

agreement made and



1. Prepaid asset 17,712.30 17,712.30

2. Obligation 7,237.39 7,601.478. Chailease Finance Co., Ltd. /

- Major shareholder of the

Company with 33.86 percent

shareholding (previously the

major shareholder of the

Subsidiary but after the

restructuring of shareholding

structure in May 2004,

Chailease Finance Co., Ltd.

becomes the Companyûs

shareholder).

Advisory fee from internal

audit, fund raising and

management services to the

Company and its subsidiary,

including guarantee fee for

loans the Company borrowed

from other financial institutions.



reviewed and considered

this item and provided

opinion that the values

are consistent with the

agreement made and



1. Advisory and management fee 3,528.26 3,529.41

2. Guarantee fee - 765.59

3. Accrued guarantee fee - 765.59

105

Annual Report 2005

9. Sathorn City Tower Property

Fund /

- 32.60 percent of its shares

are held by City Realty

Company Limited and

companies related to City

Realty Company Limited.

City Realty Company

Limited relates to the major

shareholder of the Company,

i.e. the Bangkok Bank Plc.





2004 2005

Rental expense for office space

and fixture and service of the

Company and its subsidiary





that its value is consistent

with the agreement made

and deemed reasonable in

the ordinary course of

business.

1. Rental expense for office 7, 058.40 9,411.93

space and fixture and service10. Bangkok Garden Property

Fund /

- 33.10 percent of its shares

are held by City Realty

Company Limited and a

company related to City

Realty Company Limited.

City Realty Company

Limited relates to the major

shareholder of the Company,

i.e. the Bangkok Bank PCL.

Space rental expense for the

parking space of the Company

and its subsidiaryûs repossessed

assets with a 1-year term from

1 November - 31 October.






with the agreement made

and deemed reasonable

in the ordinary course of

business.

1. Rental expense 360.00 360.00

11. Chailease Credit Service

Co., Ltd. /

- Have the same major

shareholder, i.e. Chailease

Finance Co., Ltd. Chailease

Finance Co., Ltd. holds 100

percent shares of Chailease

Credit Service Co., Ltd.

Service fee income and

Accrued service fee income

from import factoring service of

the Subsidiary






with the market rate and



1. Service fee income 464.90 691.86

2. Accrued service fee income 22.47 41.05

Source: Consolidated financial statements of Asia Sermkij Leasing Public Company Limited as audited by the auditor for the Year 2004

- 2005.

106


Management Discussion and AnalysisOverview of the Historical Operating Performance

In Year 2005, Thai Economy had a GDP growth of approximate 4.5 percent with the challenge factors effecting Economyfrom continuous rise in oil prices from the average of USD 38.2 per barrel in 2004 to the average of USD 54.9 per barrelin 2005. This import oil further resulted in the first time trade and current account deficit of USD 8.6 billion and USD 3.7billion respectively since the economic crisis in Year 1997. The lift of diesel oil ceiling, which inevitably raised the diesel oilprice, also led to inflationary pressure. The inflation rate was average at 4.5 percent in Year 2005 as compared to theaverage of 2.7 percent in Year 2004. In addition, the devastation of Tsunami and the drought in late Year 2004 also playedthe key factors in the slowdown in GDP growth of Year 2005. The other important factor was an increase in interest rateby the Monetary Policy Committee who raised the 14-day repurchase rate from 2 percent at the end of Year 2004 to 4percent at the end of Year 2005 in order to be in line with an increase trend of Federal Fund Rate from 2.25 percent to 4.25percent to prevent the capital outflow.

Nevertheless, the growth of automobile sale volume nationwide to 703,432 units in 2005, or 12.36 percent growthfrom Year 2004 supported the demand of automobile hire purchase. The expansion was partly due to the stimulus ofautomobile demand by the manufacturers in order to counter with the impact of the rising oil prices and interest rate. Theaverage industrial capacity utilization has increased from 70.7 percent in 2004 to 72.6 percent in 2005 to signal a need ofcapacity expansion in many businesses. Private consumption index grew by 0.6 percent, decelerating from 3.9 percent inthe previous year with respect to both durable and non-durable goods. The private investment index grew by 8.6 percent,decelerating from 10.0 percent in the previous year. However, equipment and machinery investment expanded well whileconstruction investment slowed in tandem with slowdown of the real estate sector. This equipment and machineryinvestment expansion has supported the growth of leasing and factoring business.

For the overview performance, the Company and its subsidiary, on a consolidated basis, recorded the net profit of Baht138.64 million, increase by approximately 1 percent from Baht 137.65 million in Year 2004. The return of equity (ROE)was 18.74 percent in Year 2005 as compared to 26.30 percent in Year 2004. Earning per share was Baht 1.38, decreasedfrom 1.68 Baht per share in Year 2004. This was partly due to a dilution effect as a result of an initial public offering forshare sale to the public for 23 million shares. All the Companyûs common shares are listed on the Stock Exchange ofThailand since August 25, 2005.

Operating Performance

Revenues

In Year 2005, the Company and its subsidiaryûs total revenues amounted to Baht 741.56 million, increased by 32.90percent from Baht 557.98 million in Year 2004. The major sources of revenues were income from hire purchase,amounted to Baht 510.62 million and representing for 68.86 percent of total revenues. Such increase was attributable tothe expansion in new hire purchase financing, especially commercial car, machinery and equipment. Hire purchaseaccount receivables (before allowance for doubtful accounts) rose by 36.38 percent from Baht 4,911.45 million in Year2004 to Baht 6,698.40 million in Year 2005. An increase in the new hire purchase financing was consistent with anexpansion in automobile and machinery hire purchase market.

107

Annual Report 2005

Incomes from financial lease and operating lease increased by 49.54 percent from Baht 46.61 million in Year 2004 to Baht69.70 million in Year 2005, accounting for 9.40 percent of total revenues of the Company and its subsidiary.

Income from factoring increased by 88.48 percent from Baht 15.10 million in Year 2004 to Baht 28.45 million in Year 2005,accounting for 3.84 percent of total revenues of the Company and its subsidiary. Such increase reflect an increase indemand for working capital of small and medium sized business enterprises.

Other incomes which were from personal loan, floor plan financing, penalty income from late payment, insurance servicefee, etc. increased by 22.90 percent from Baht 108.05 million in Year 2004 to Baht 132.79 million in Year 2005. Majorfactor attributable to such increase was the growth of income from insurance service fee by 23.47 percent from Baht40.54 million in Year 2004 to Baht 50.06 million in Year 2005.

Expenses

The Company and its subsidiaryûs expenses (including bad debts and doubtful accounts, interest and tax expenses)increased by 43.44 percent from Baht 420.33 million in Year 2004 to Baht 602.92 million in Year 2005.

Selling and Administrative ExpensesIn Year 2005, total selling and administrative expenses stood at Baht 299.60 million, accounting for 49.69 percent ofthe Company and its subsidiaryûs total expenses, increased by 25.95 percent from Baht 237.88 million in Year 2004.Majority of the selling and administrative expenses comprised of employee salary, bonus and related expense accountingfor 27.80 percent of total expenses while bad debts and doubtful accounts amounted to Baht 49.49 million, representing8.21 percent of total expenses.

Interest ExpensesIn Year 2005 interest expenses rose by 82.35 percent from Baht 115.06 million in Year 2004 to Baht 209.81 million inYear 2005, representing 34.80 percent of total expenses of the Company and its subsidiary. This was mainly due to abusiness expansion and the rise in interest rate. In order to have the lowest cost of funds with acceptable risk, the loanstructure has to be considered cautiously.

Corporate Income TaxThe corporate income tax rose by 40.92 percent from Baht 28.90 million in Year 2004 to Baht 40.72 million in Year 2005.The Company and its subsidiary started recorded the corporate income tax in the 2nd quarter of Year 2004.

Net Profit

The Company and its subsidiaryûs net income after tax grew by approximately 1 percent from Baht 137.65 million in Year2004 to Baht 138.64 million in Year 2005. Earning per share decreased from Baht 1.68 per share in Year 2004 to Baht1.38 per share in Year 2005, partly due to the dilution as a result of capital increase via the initial public offering of 23million ordinary shares to the public in August 2005. In Year 2005 net profit margin and return on equity were 18.70percent and 18.74 percent as compared to those of 24.67 percent and 26.30 percent respectively in Year 2004.

108


Financial Status

Assets

Total assets increased by 30.65 percent from Baht 6,027.93 million at the end of Year 2004 to Baht 7,875.67 millionat the end of Year 2005. The hire purchase account receivable, major component of the Company and its subsidiaryassets, accounting for 84.30 percent of total assets.

Due to the Company and its subsidiaryûs strengthened collection efficiency, the augmented base of portfolio size, andbad-debt write-off, NPAs was Baht 34.86 million at the end of Year 2005, accounting for only 0.45 percent of totalaccount receivables (before allowance for doubtful accounts). In addition, the allowance for doubtful account amounting toBaht 82.91 million at the end of Year 2005, representing 237.82 percent of NPAs reflects the adequacy of the Companyand its subsidiaryûs reserve for doubtful accounts.

Liabilities

Total liabilities as at the end of Year 2005 stood at Baht 7,003.11 million with the total loans amounting to Baht 6,830.73million. It comprised mainly of short-term loans at Baht 5,760.73 million, of which being overdraft and short-termborrowing from both domestic & foreign financial institutions and other related parties representing 84.34 percent of totalloans. Nevertheless,the high portion of short-term loans will not lead to the financial liquidity problem since these borrowings are from majorshareholders which are financial institutions. Therefore, the Company and its subsidiary can manage the funding costefficiently by softening an up-trend interest rate in order to match a gradual increase in interest income.

Type of Borrowing As at 31 December 2005

Amount (Million Baht) Proportion (%)

Bank overdraft and short-term loan from financial institution 4,252.73 62.26

- Loan from related financial institution 1,997.73 29.25- Loan from other financial institutions 2,255.00 33.01Short-term loan from related parties 295.00 4.32

Current portion of long-term loan from related companies 1,050.00 15.37

Other short-term loan 163.00 2.39

Total short-term loan 5,760.73 84.34

Long-term loan from related companies 1,070.00 15.66

Total loans 6,830.73 100.00

Liquidity

As at December 31, 2005 the loan repayment and the installment to be obtained in different period can be summarizedas follows:

Period Loan Repayment Due Installment to be

(Million Baht) Obtained from Debtor

(Million Baht)

Within 1 year 5,760.73 3,836.46

More than 1 year but not more than 2 years 70.00 2,551.75

More than 2 years but not more than 3 years 1,000.00 1,520.85

More than 3 years - 754.22

Stop accrued account receivables - 36.24

Total 6,830.73 8,699.52

109

Annual Report 2005

Difference gap between the installment expected to be obtained within 1 year and loan repayment due in 1 yearamounted to Baht 1,924.27 million. The Company and its subsidiaryûs financing liquidity was not affected since most of theshort-term loans were borrowed from the Companyûs group of financial institution shareholders and related parties. Asat the end of Year 2005 the Company and its subsidiaryûs loan from related financial institutions and related partiesaccounted for 48.94 percent of total loan of Baht 6,830.73 million. In addition, the Company and its subsidiary have beenconsidered good credit customer who has never been called for default even during the economic crisis. The loans havebeen continuously renewed. In addition, Company and its subsidiary still have the unused credit line from other financialinstitutions amounting to approximately Baht 2,112 million stand ready. These factors reflect the sufficiency in the financialliquidity of the Company and its subsidiary. Nevertheless, the Company and its subsidiary continuous improve its fundingby gradually switching the short-term borrowing into a long-term loans and diversifying the source of fund from thebankûs loan through the capital market.

Shareholdersû Equity

Shareholdersû equity increased by 43.82 percent from Baht 606.70 million at the end of Year 2004 to Baht 872.56 millionat the end of Year 2005 with paid-up capital of Baht 575 million and retained earnings of Baht 208.95 million. Book valueper share increased from 6.59 Baht at the end of Year 2004 to 7.59 Baht at the end of Year 2005. An increase inshareholdersû equity was mainly due to an increase in net profit and capital increase. In August 2005, the Companyincreased its capital via offering its 23 million shares to the public and listed in the Stock Exchange of Thailand, thusincreasing its paid-up capital from Baht 460 million at the end of Year 2004 to Baht 575 million at the end of Year 2005.

Auditorûs Fee

In Year 2005, the Company and its subsidiary’s remuneration to the auditors can be summarized below:1. Auditing fee to:

- The Companyûs auditor in the previous financial period totaling Baht 0.- The office employing such auditor, person or business related to such auditor and its office in the previous

financial period for auditing service totaling Baht 1,460,000 and no for other expense related to auditingservice.

2. Fee from other servicesThe Company and its subsidiaryûs fee from other services were derived from such expenses as advisory fee, documentdelivery and traveling expense, etc., to the following parties:

- The Companyûs auditor in the previous financial period totaling 0 Baht.- The office employing such auditor, person or business related to such auditor and its office in the previous

financial period totaling 0 Baht.

110


Report of Independent Auditor

To the Board of Directors and Shareholders of

Asia Sermkij Leasing Public Company Limited

I have audited the consolidated balance sheet of Asia Sermkij Leasing Public Company Limited and its subsidiary as at 31December 2005, and the consolidated statements of earnings, changes in shareholdersû equity, and cash flowsor the year then ended, and the separate financial statements of Asia Sermkij Leasing Public Company Limited. Thesefinancial statements are the responsibility of the Companyûs management as to their correctness and the completeness ofthe presentation. My responsibility is to express an opinion on these financial statements based on my audit. The financialstatements of Asia Sermkij Leasing Public Company Limited and its subsidiary for the year ended 31 December 2004 andthe separate financial statements of Asia Sermkij Leasing Public Company Limited were audited by another auditor, whounder his report dated 10 February 2005, expressed an unqualified opinion on these financial statements.

I conducted my audit in accordance with generally accepted auditing standards. Those standards require that I plan andperform 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 thefinancial statements. An audit also includes assessing the accounting principles used and significant estimates madeby management, as well as evaluating the overall financial statement presentation. I believe that my audit provides areasonable basis for my opinion.

In my opinion, the financial statements referred to above present fairly, in all material respects, the financial position of AsiaSermkij Leasing Public Company Limited and its subsidiary and of Asia Sermkij Leasing Public Company Limited as at 31December 2005, and the results of their operations and cash flows for the year then ended in accordance with generallyaccepted accounting principles.

Vissuta JariyathanakornCertified Public Accountant (Thailand) No. 3853

Ernst & Young Office LimitedBangkok: 22 February 2006

111

Annual Report 2005

Balance SheetsAs at 31 December 2005 and 2004

(Unit: Baht)Consolidated The Company Only

Note 2005 2004 2005 2004

(Restated) (Restated)

AssetsCurrent assets

Cash and cash equivalents 16 23,635,342 16,225,342 8,003,683 15,747,762Current investment 1,725,750 895,050 1,725,750 895,050

Current portion of hire purchasereceivables - net 5 2,566,872,728 1,916,960,807 2,286,911,172 1,784,597,307

Current portion of financial leasereceivables - net 6 307,227,028 311,723,751 - -

Current portion of factoring receivables - net 7 381,165,654 275,257,010 - -Other short-term loans - net 8 6,695,941 17,805,894 6,695,941 17,805,894Assets foreclosed - net 9 9,552,511 1,759,956 9,124,320 1,759,956Other current assets 101,487,541 71,966,645 51,990,224 38,232,574

Total current assets 3,398,362,495 2,612,594,455 2,364,451,090 1,859,038,543Non-current assets

Hire purchase receivables - netof current portion 5 4,072,226,604 2,949,383,758 3,774,448,571 2,855,928,420

Financial lease receivables - netof current portion 6 313,236,240 374,979,684 - -

Factoring receivables - net of current portion 7 24,925,384 28,914,315 - -Investment accounted for under equity method 10 - - 508,842,980 534,416,583Other long-term investment - net 11 350,720 362,240 - -Land, building and equipment - net 12 61,121,238 57,876,338 46,135,184 40,177,074Other non-current assets - net 13 5,446,121 3,816,795 2,012,660 1,996,525

Total non-current assets 4,477,306,307 3,415,333,130 4,331,439,395 3,432,518,602Total assets 7,875,668,802 6,027,927,585 6,695,890,485 5,291,557,145

The accompanying notes are an integral part of the financial statements.

112


Balance Sheets (Continued)As at 31 December 2005 and 2004


Note 2005 2004 2005 2004

(Restated) (Restated)

Liabilities and shareholdersû equityCurrent liabilities

Bank overdrafts and short-term loans fromfinancial institutions 14, 16 4,252,734,011 4,103,601,414 3,408,770,120 3,663,601,414

Short-term loans from related parties 16 295,000,000 30,000,000 235,000,000 -Current portion of long-term loans from

related parties 16 1,050,000,000 - 900,000,000 -Amounts due to related parties 16 5,235,084 6,162,000 3,778,836 4,982,996Other short-term loans 15 163,000,000 - 163,000,000 -Other current liabilities 154,734,499 149,066,046 112,778,190 116,276,479

Total current liabilities 5,920,703,594 4,288,829,460 4,823,327,146 3,784,860,889Non-current liabilities

Long-term loans from related parites- net of current portion 16 1,070,000,000 1,120,000,000 1,000,000,000 900,000,000

Rental deposits 12,401,869 12,401,869 - -Total non-current liabilities 1,082,401,869 1,132,401,869 1,000,000,000 900,000,000Total liabilities 7,003,105,463 5,421,231,329 5,823,327,146 4,684,860,889Shareholdersû equity

Share capital 17Registered

115,000,000 ordinary shares of Baht 5 each 575,000,000 575,000,000 575,000,000 575,000,000Issued and fully paid-up

115,000,000 ordinary shares of Baht 5 each(2004: 92,000,000 ordinary shares of Baht 5 each) 575,000,000 460,000,000 575,000,000 460,000,000

Share permium 84,428,259 3,200,000 84,428,259 3,200,000Difference from shareholder restructuring 2 4,188,003 4,188,003 4,188,003 4,188,003Retained earnings

Appropriated - statutory reserve 19 13,814,677 6,882,736 13,814,677 6,882,736Unappropriated 195,132,400 132,425,517 195,132,400 132,425,517

Total shareholdersû equity 872,563,339 606,696,256 872,563,339 606,696,256Total liabilities and shareholdersû equity 7,875,668,802 6,027,927,585 6,695,890,485 5,291,557,145


113

Annual Report 2005

Statements of EarningsFor the Years Ended 31 December 2005 and 2004


Note 2005 2004 2005 2004

RevenuesHire purchase interest income 510,615,817 388,230,999 469,238,790 373,000,124Factoring income 28,452,126 15,095,749 - -Interest income on financial leases 67,164,523 43,820,438 - -Operating lease income 2,535,257 2,788,120 - -Penalty income 23,433,745 21,354,250 20,125,644 20,714,085Income from recommending insurance services

to customers 50,056,842 40,541,581 47,945,089 39,283,985Other income 59,297,544 46,152,364 35,330,737 31,140,811Share of profit from investment accounted for

under equity method - - 57,741,370 30,319,743Total revenues 741,555,854 557,983,501 630,381,630 494,458,748Expenses

Operating lease cost 3,297,068 2,342,718 - -Selling and administrative expenses 299,600,990 237,880,124 245,674,832 204,330,441Bad debts and doubtful accounts 49,486,723 36,148,352 33,755,965 21,411,680

TotaL expenses 352,384,781 276,371,194 279,430,797 225,742,121Earnings before interest expenses

and income tax 389,171,073 281,612,307 350,950,833 268,716,627Interest expenses 16 (209,808,757) (115,059,499) (176,859,512) (102,163,819)Corporate income tax 20 (40,723,492) (28,898,082) (35,452,497) (28,898,082)Net earnings for the year 138,638,824 137,654,726 138,638,824 137,654,726

Basic earnings per shareNet earnings 1.38 1.68 1.38 1.68

Weighted average number of ordinary shares (shares) 100,506,849 82,128,962 100,506,849 82,128,962


114


Statements of Changes in Shareholdersû EquityFor the Years Ended 31 December 2005 and 2004

(Unit: Baht)Consolidated/The Company Only

Retained earnings

Difference

Issued and from Appropriated

paid-up Share shareholder -Statutory

Note share capital premium restructuring reserve Unappropriated Total

Balance beginning of year 2004 460,000,000 - - - (110,346,473) 349,653,527

Difference from shareholder

restructuring 2 - - 4,188,003 - - 4,188,003

Net earnings for the year 2004 - - - - 137,654,726 137,654,726

Statutory reserve 19 - - - 6,882,736 (6,882,736) -

Capital reduction to eliminate deficit 17 (112,000,000) - - - 112,000,000 -

Increase in share capital 17 112,000,000 3,200,000 - - - 115,200,000

Balance end of year 2004 460,000,000 3,200,000 4,188,003 6,882,736 132,425,517 606,696,256

Dividend paid 18 - - - - (69,000,000) (69,000,000)

Net earnings for the year 2005 - - - - 138,638,824 138,638,824

Statutory reserve 19 - - - 6,931,941 (6,931,941) -

Increase in share capital 17 115,000,000 89,700,000 - - - 204,700,000

Expenses for additional ordinary

share issuance 17 - (8,471,741) - - - (8,471,741)

Balance end of year 2005 575,000,000 84,428,259 4,188,003 13,814,677 195,132,400 872,563,339


115

Annual Report 2005

Statements of Cash FlowsFor the Years Ended 31 December 2005 and 2004


Note 2005 2004 2005 2004

Cash flows from operating activities

Net earnings 138,638,824 137,654,726 138,638,824 137,654,726Adjustments to reconcile net earnings to net cash

provided by (paid for) operating activities: -Bad debts and doubtful accounts 49,486,723 36,148,352 33,755,965 21,411,680Allowance for diminution in value of

assets foreclosed 1,262,569 80,844 1,299,214 117,489Allowance for diminution in value of

other long-term investments 11,520 - - -Depreciation 12,501,258 9,972,801 8,133,300 6,932,073Gain from revaluation of investments (830,700) (81,900) (830,700) (81,900)Gain on sales of equipment (807,138) (1,769,467) (663,318) (2,240,869)Share of profit from investment accounted for

under equity method - - (57,741,370) (30,319,743)Earnings from operating activities before changes in

operating assets and liabilities 200,263,056 182,005,356 122,591,915 133,473,456Decrease (increase) in operating assets

Hire purchase receivables (1,792,865,236) (1,224,893,852) (1,433,782,756) (1,188,461,003)Financial lease receivables 57,376,035 (144,120,906) - -Factoring receivables (103,599,846) (69,698,821) - -Other short-term loans 10,870,952 (221,976) 10,870,952 (221,976)Assets foreclosed (26,247,224) (6,679,940) (25,090,566) (6,727,977)Other current assets (29,649,642) (25,047,770) (13,766,803) (11,675,916)Other non-current assets (2,901,466) (110,615) (4,148,218) (19,365)

Increase (decrease) in operating liabilitiesAmounts due to related parties (926,916) (352,133) (1,204,160) (314,883)Other current liabilities 5,668,453 37,963,557 (3,498,289) 44,892,267Rental deposits - 12,401,869 - -

Net cash used in operating activities (1,682,011,834) (1,238,755,231) (1,348,027,925) (1,029,055,397)


116


Statements of Cash Flows (Continued)For the Years Ended 31 December 2005 and 2004


Note 2005 2004 2005 2004

Cash flows from investing activities

Cash paid for purchase of equipment (16,091,028) (19,803,748) (14,095,286) (19,256,165)Cash received from disposal of equipment 1,152,007 1,786,484 667,194 2,240,869Cash payment for purchase of investment in subsidiary - (499,908,837) - (499,908,837)Dividend income - - 83,314,973 -

Net cash from (used in) investing activities (14,939,021) (517,926,101) 69,886,881 (516,924,133)Cash flows from financing activities

Increase (decrease) in bank overdrafts and short-term loansfrom financial institutions 149,132,596 1,650,248,330 (254,831,294) 1,440,103,521

Increase in short-term loans from related parties 265,000,000 - 235,000,000 -Increase in other short-term loans 163,000,000 - 163,000,000 -Increase in long-term loans from related parties 1,000,000,000 - 1,000,000,000 -Dividend paid (69,000,000) - (69,000,000) -Cash received from share capital increase 204,700,000 115,200,000 204,700,000 115,200,000Expenses for additional ordinary share issuance (8,471,741) - (8,471,741) -

Net cash from financing activities 1,704,360,855 1,765,448,330 1,270,396,965 1,555,303,521Increase (decrease) in cash and cash equivalents 7,410,000 8,766,998 (7,744,079) 9,323,991Cash and cash equivalents at beginning of year 16,225,342 6,423,771 15,747,762 6,423,771Cash and cash equivalents of subsidiary at the purchase date - 1,034,573 - -Cash and cash equivalents at end of year 23,635,342 16,225,342 8,003,683 15,747,762

Supplemental disclosure of cash flows information Cash paid during the year for: - Interest expenses 210,797,029 109,739,908 178,407,663 96,762,336 Corporate income tax 38,390,668 15,560,110 35,095,199 15,185,461


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Annual Report 2005

Notes to Financial StatementsFor the Years Ended 31 December 2005 and 2004

1. General Information

Asia Sermkij Leasing Public Company Limited was incorporated as a public company limited under Thai laws. TheCompany operates its business in Thailand and its principal activity is the provision of auto hire purchase services(consumer finance).Through direct and indirect shareholdings Chailease Finance Company Limited is the Companyûs majorshareholder as at 31 December 2005 and 2004.The Companyûs registered address is 175 Sathorn City Tower, 24th Floor, South Sathorn Road, Tungmahamek,Sathorn, Bangkok.On 25 August 2005, the Stock Exchange of Thailand approved the listing of the Companyûs ordinary shares.

2. Basis of Consolidation

The consolidated financial statements include the financial statements as at 31 December 2005 and 2004of Asia Sermkij Leasing Public Company Limited and the financial statements of a subsidiary, which consist ofthe balance sheets as at 31 December 2005 and 2004 and the statements of earnings for the year ended 31December 2005 and for the period as from 1 May 2004 (the date on which the Company acquired control througha shareholding granting over 50 percent of the voting rights) to 31 December 2004, as detailed below: -

Subsidiaryûs assets as a Subsidiaryûs revenues as a

Subsidiary Percentage percentage to the percentage to the consolidated

of shareholding consolidated total assets as at total revenues for the year ended

31 December 31 December 31 December 31 December 31 December 31 December

2005 2004 2005 2004 2005 2004

Bangkok Grand Pacific Lease

Public Company Limited 99.99 99.99 21.44 21.09 23.40 17.74

Before May 2004, the Company was a subsidiary of Bangkok Grand Pacific Lease Public CompanyLimited (BGPL). On 20 May 2004, there was a restructuring of the shareholdings within the group whereby theshareholders of BGPL hold shares in the Company and the Company holds shares in BGPL.The Company and the subsidiary had the same directors and shareholders both before and after the Companyacquired the subsidiary, and the Company therefore recorded the difference between the attributable net assetvalue of the subsidiary and the acquisition cost of Baht 4.2 million in shareholdersû equity.Significant intercompany balance and transactions between the Company and the subsidiary, investmentin subsidiary in the Companyûs account and shareholdersû equity of the subsidiary are eliminated from theconsolidated financial statements.

118


3. Significant Accounting Policies

The financial statements have been prepared in accordance with accounting standards enunciated under theAccount Profession Act B.E. 2547.Significant accounting policies adopted by the Company and subsidiary are summarised below: -

3.1 Revenue recognitiona) Hire purchase interest income/Interest income on financial leases

Hire purchase interest income and interest income on financial leases is recognised as income overthe period of payment, using the effective rate method, with income recognised when the installmentsfall due irrespective of when actual collection is made. Recognition of interest income is stopped forreceivables which have defaulted on more than 6 scheduled installment payments.

b) Factoring incomeThe 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 incomePenalty income is recognised when received.

e) Income from recommending insurance servicesIncome from recommending insurance services is recognised on an accrual basis.

3.2 Cash and cash equivalentsCash and cash equivalents include cash in hand and deposits at financial institutions with an originalmaturity of 3 months or less and without restrictions.

3.3 Receivables and allowance for doubtful accountsHire purchase receivables, financial lease receivables, factoring receivables and other short-term loans arestated net of unearned interest income and allowance for doubtful accounts.The Company provides allowance for doubtful accounts for hire purchase receivables and other short-termloans based on the estimated collection losses that may be incurred in collection of receivables,consideration of the current status of receivables, their ability to make payment, past experience andhistorical data on actual losses on collection.The subsidiary provides allowance for doubtful accounts for hire purchase receivables, financial leasereceivables and factoring receivables which are treated as commercial loans, based on consideration of thereceivablesû status, ability to make payment and the value of collateral.

3.4 Assets foreclosedThese represent assets repossessed from hire purchase and financial lease receivables andare stated at the lower of cost (which mostly comprises the net outstanding balance) and estimated netrealisable value. Allowance is made for the decline in value of the repossessed assets.

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Annual Report 2005

3.5 InvestmentsInvestments in trading securities are determined at fair value. The changes in value of securities arerecorded in earnings statements.

The fair value of marketable securities is based on the latest bid price of the last working day of the year asquoted on the Stock Exchange of Thailand.

Investments in non-marketable securities which are regarded as other investments are stated at cost lessallowance for diminution in value of investments (if any).

Allowance for diminution in the value of investments is recorded in the earnings statement when the carryingvalue is permanently impaired.

Investment in subsidiary as shown in the financial statements of the Company is stated underthe equity method of accounting. Under this method, the investment is recorded at cost and for eachsubsequent year the investment is adjusted to incorporate the Companyûs proportionate share of theoperating results in the subsidiary.

The weighted average method is used for computation of the cost of investments.

3.6 Land, building and equipment/DepreciationLand is stated at cost. Building and equipment are stated at cost less accumulated depreciation.Depreciation of building and equipment is calculated by reference to their costs on the straight-line basisover the following estimated useful lives: -

Building 20 yearsFurniture, fixtures and equipment 5 yearsMachinery 5 yearsVehicles 5 years

No depreciation is provided for land and installation in progress.

3.7 Impairment of assetsThe Company and the subsidiary review the impairment of assets whenever events indicate that thecarrying value of an asset exceeds its realisable value. Realisable value is the higher of an assetûs netselling price and its value in use. The value in use is arrived at based on the management estimates.The Company and the subsidiary recognise an impairment loss in the earnings statements whenever thecarrying value of an asset exceeds its realisable value. The Company and the subsidiary will reverse theimpairment loss when there are indications that the value of the asset is no longer impaired or the amountof impairment has decreased.

3.8 Foreign currenciesForeign currency transactions during the year are translated into Baht at the rates ruling on the transactiondates. Monetary assets and liabilities in foreign currency outstanding on the balance sheet date aretranslated into Baht at the rates ruling on the balance sheet date.Exchange gains and losses are included in determining earnings.

120


3.9 Earnings per shareBasic earnings per share is calculated by dividing net earnings for the year by the weighted average numberof ordinary shares held by external parties in issue during the year.

3.10 Employee benefitsThe Company, subsidiary and their employees have jointly registered a provident fund scheme underProvident Fund Act B.E. 2530. The fund is contributed to by the Company, subsidiary andtheir employees at rate of 5 percent of the employeesû salaries. The fund is managed by Finansa AssetManagement Limited. The contributions are recognised as expenses when incurred.

3.11 Accounting estimationPreparation of financial statements in conformity with generally accepted accounting principlesrequires management to make estimates for certain accounting transactions, affecting amounts reportedin the financial statements and notes related thereto. Subsequent actual results may differ from theseestimates.

4. Change in Accounting Policy

In 2004 the Companyûs accounting policy regarding the recognition and measurement of derivativeinstruments, which consist of interest rate swap agreements, was based on international accounting standards,since there was no relevant Thai Accounting Standard. The accounting method used to account for interest rateswap agreements was as follows:

1. Interest rate swap agreements as a hedge against fair value riskGains or losses from remeasurement of hedging instruments and hedged items to fair value wererecognized in the earnings statement.

2. Interest rate swap agreements as a hedge against future cash flow riskDifferences between the contracted value and the fair value of contract obligations, which were determinedusing the discounted cash flows method over the remaining period of the agreement, applying estimatedinterest rates, were recorded in shareholdersû equity, providing that the hedge had been effective. If thehedge had not been effective, the differences were included in the earnings statement.

If the hedge did not qualify for the application of hedge accounting, unrealised gains or losses arising on interestrate swap agreements from changes in fair value were taken directly to the earnings statement.In 2005 the Company ceased the adoption of the above policies on recognition and measurement of derivativeinstruments in order that its financial information would be comparable with that of other companies in the sameindustry. If the Company had adopted such accounting method, it would have had to record unrealised losses ofBaht 14.5 million from the marking-to-market of interest rate swap agreements in the 2005 statement of earnings.

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Annual Report 2005

5. Hire Purchase Receivables

5.1 As at 31 December 2005 and 2004, the balance of hire purchase receivables are as follows: -(Unit: Baht)

Consolidated

Current portion of Long-term portion of

hire purchase receivables hire purchase receivables Total

2005 2004 2005 2004 2005 2004

Hire purchase receivables 3,096,240,542 2,311,091,180 4,476,016,646 3,251,413,018 7,572,257,188 5,562,504,198

Less: Unearned hire purchase

interest income (470,063,638) (349,026,513) (403,790,042) (302,029,260) (873,853,680) (651,055,773)

2,626,176,904 1,962,064,667 4,072,226,604 2,949,383,758 6,698,403,508 4,911,448,425

Less: Allowance for doubtful

accounts (59,304,176) (45,103,860) - - (59,304,176) (45,103,860)

Hire purchase receivables - net 2,566,872,728 1,916,960,807 4,072,226,604 2,949,383,758 6,639,099,332 4,866,344,565

(Unit: Baht)The Company Only


hire purchase receivables hire purchase receivables Total

2005 2004 2005 2004 2005 2004

Hire purchase receivables 2,761,403,158 2,159,532,179 4,150,212,961 3,146,922,557 6,911,616,119 5,306,454,736

Less: Unearned hire purchase

interest income (428,188,002) (335,669,474) (375,764,390) (290,994,137) (803,952,392) (626,663,611)

2,333,215,156 1,823,862,705 3,774,448,571 2,855,928,420 6,107,663,727 4,679,791,125

Less: Allowance for doubtful

accounts (46,303,984) (39,265,398) - - (46,303,984) (39,265,398)

Hire purchase receivables - net 2,286,911,172 1,784,597,307 3,774,448,571 2,855,928,420 6,061,359,743 4,640,525,727

5.2 As at 31 December 2005 and 2004, the balances of hire purchase receivables (net of unearned hirepurchase interest income) are classified by aging as follows: -

(Unit: Baht)Aging Consolidated The Company Only

2005 2004 2005 2004

Not yet due 6,179,661,654 4,555,430,175 5,604,423,610 4,327,488,420

Past due: -

1 - 3 installments 461,382,041 331,907,231 450,397,267 331,867,458

4 - 6 installments 30,987,514 13,937,790 30,987,514 13,877,367

7 - 12 installments 18,627,753 3,612,092 18,589,149 3,612,092

Over 12 installments 7,744,546 6,561,137 3,266,187 2,945,788

Total 6,698,403,508 4,911,448,425 6,107,663,727 4,679,791,125

Less: Allowance for doubtful accounts (59,304,176) (45,103,860) (46,303,984) (39,265,398)

Hire purchase receivables - net 6,639,099,332 4,866,344,565 6,061,359,743 4,640,525,727

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5.3 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 isto 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, the Company would have toincrease its allowance for doubtful accounts by a total of Baht 6.54 million and reduce the amount ofrevenue recognised by Baht 0.37 million.

However, this accounting guideline provides an alternative whereby, in cases where a company believesthat the guideline would not be appropriate, it is to disclose the method it uses, together with the reasons.The Company has a policy to cease recognising revenue from hire purchase receivables whichare overdue by more than 6 installments and to set up allowance based on consideration of the currentstatus of receivables, their ability to make payment, past experience and historical data on actual losses oncollection. As at 31 December 2005, allowance for doubtful accounts has been set aside at an average rateof 0.76 percent, without taking collateral values into account, which exceeds the historical loss on collectionrate of 0.65 percent (actual loss rate between 2002 to 31 December 2005 from hire purchase receivablesas of the end of the year 2001).

As at 31 December 2005, there are outstanding hire purchase receivables amounting toapproximately Baht 29.47 million for which installment payments are more than 3 installments overdue butfor which revenue is still being recognized (2004: Baht 11.37 million).

Hire purchase receivables of the subsidiary and also its financial lease receivables and factoring receivablesare treated as commercial loans, whereby the subsidiary records allowance for doubtfulaccounts based on consideration of the receivablesû status, ability to make payment and the value ofcollateral.

5.4 As at 31 December 2005 and 2004, the Company had transferred rights of claim under hire purchaseagreements with outstanding balances (before net of unearned hire purchase interest income) of Baht698.91 million and Baht 936.97 million, respectively, in order to secure credit facilities granted bycommercial banks as discussed in Note 14.

5.5 As at 31 December 2005 and 2004 the Company and subsidiary had hire purchase receivables (net ofunearned hire purchase interest income) amounting to approximately Baht 26.48 million and Baht 12.57million, respectively, for which revenue recognition has ceased (the Company only: Baht 24.38 millionand Baht 12.33 million, respectively).

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Annual Report 2005

6. Financial Lease Receivables

6.1 As at 31 December 2005 and 2004, the balance of financial lease receivables are as follows:-(Unit: Baht)

Consolidated


financial lease receivables financial lease receivables Total

2005 2004 2005 2004 2005 2004

Financial lease receivables 370,559,360 375,112,892 338,297,926 410,923,151 708,857,286 786,036,043

Less : Unearned interest income (47,812,722) (56,288,974) (25,061,686) (35,943,467) (72,874,408) (92,232,441)

322,746,638 318,823,918 313,236,240 374,979,684 635,982,878 693,803,602

Less : Allowance for doubtful accounts (15,519,610) (7,100,167) - - (15,519,610) (7,100,167)

Financial lease receivables - net 307,227,028 311,723,751 313,236,240 374,979,684 620,463,268 686,703,435

6.2 As at 31 December 2005 and 2004, the balance of financial lease receivables (net of unearned interestincome) is classified by aging as follows: -

(Unit: Baht)Aging Consolidated

2005 2004

Not yet due 611,900,965 668,286,925

Past due

1 - 3 installments 17,933,535 11,731,196

4 - 6 installments 1,547,785 5,086,332

7 - 12 installments 138,676 956,924

Over 12 installments 4,461,917 7,742,225

Total 635,982,878 693,803,602

Less : Allowance for doubtful accounts (15,519,610) (7,100,167)

Financial lease receivables - net 620,463,268 686,703,435

6.3 As at 31 December 2005 and 2004 the subsidiary had financial lease receivables (net of unearned interestincome) amounting to approximately Baht 2.79 million and Baht 4.94 million, respectively, for whichrevenue recognition has ceased.

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7. Factoring Receivables

7.1 As at 31 December 2005 and 2004, the balance of factoring receivables are as follows: -(Unit: Baht)

Consolidated


factoring receivables factoring receivables Total

2005 2004 2005 2004 2005 2004

Factoring receivables 497,078,068 351,951,828 26,693,348 31,117,064 523,771,416 383,068,892

Less : Factoring payables (105,368,527) (67,738,595) - - (105,368,527) (67,738,595)

Less : Unearned interest income (2,457,186) (2,549,655) (1,767,964) (2,202,749) (4,225,150) (4,752,404)

389,252,355 281,663,578 24,925,384 28,914,315 414,177,739 310,577,893

Less : Allowance for

doubtful accounts (8,086,701) (6,406,568) - - (8,086,701) (6,406,568)

Factoring receivables - net 381,165,654 275,257,010 24,925,384 28,914,315 406,091,038 304,171,325

7.2 As at 31 December 2005 and 2004, the balance of factoring receivables - net is classified by agingas follows: -

(Unit: Baht)Aging Consolidated

2005 2004

Not yet due 397,456,864 305,862,758

Past due

1 - 3 months 12,225,046 -

4 - 6 months - -

7 - 12 months - 4,398,824

Over 12 months 4,495,829 316,311

Total 414,177,739 310,577,893

Less : Allowance for doubtful accounts (8,086,701) (6,406,568)

Factoring receivables - net 406,091,038 304,171,325

7.3 As at 31 December 2005 and 2004, the subsidiary had transferred the rights of claim under factoringagreements (before deducting factoring payables and unearned interest income) with outstanding balancesof Baht 155.47 million and Baht 168.90 million, respectively, in order to secure credit facilities granted by aforeign commercial bank as discussed in Note 14.

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Annual Report 2005

8. Other Short-Term Loans

As at 31 December 2005 and 2004, other short-term loans are as follows: -(Unit: Baht)

Consolidateds/

The Company Only

2005 2004

Other short-term loans 7,713,219 18,688,480

Less : Allowance for doubtful accounts (1,017,278) (882,586)

Other short-term loans - net 6,695,941 17,805,894

9. Assets Foreclosed

As at 31 December 2005 and 2004, assets foreclosed are as follows: -(Unit: Baht)

Consolidateds The Company Only

2005 2004 2005 2004

Repossessed asssets 11,189,694 2,097,926 10,761,504 2,097,926

Less : Allowance for diminution in

value of assets foreclosed (1,637,183) (337,970) (1,637,184) (337,970)

Assets foreclosed - net 9,552,511 1,759,956 9,124,320 1,759,956

10. Investment Accounted For Under Equity Method

As at 31 December 2005 and 2004, investment accounted for under equity method are as follows: -(Unit: Baht)

The Company Only

2005 2004

Subsidiary Nature Paid-up Percentage of Cost Equity Cost Equity

business capital shareholding method method method method

(Baht) (Percent)

Bangkok Grand Hire purchase, 438,500,000 99.99 499,908,837 508,842,980 499,908,837 534,416,583

Pacific Lease leasing and

Company Public factoring

Limited

During the year 2005, the Company received Baht 83,314,973 dividend from the subsidiary.

126


11. Other Long-Term Investment

As at 31 December 2005 and 2004, other long-term investment is as follows: -(Unit: Baht)

Paid-up Percentage of Consolidated

Nature business capital shareholding 2005 2004

(Baht) (Percent)

Other investment

Bangkok Club Company Limited Sales of foods 450,000,000 0.14 1,140,000 1,140,000

and beverage

Less: Allowance for diminution in value of

other long-term investment (789,280) (777,760)

Other long-term investment - net 350,720 362,240

12. Land, Building and Equipment

(Unit: Baht)Consolidated

Furniture,

fixtures and Installation

Land Building equipment Vehicles Machinery in progress Total

Cost

31 December 2004 2,430,000 6,770,000 56,829,421 25,137,926 14,000,000 17,712,298 122,879,645

Purchases - - 11,095,976 4,676,365 - - 15,772,341

Disposal - - (526,162) (1,020,282) - - (1,546,444)

31 December 2005 2,430,000 6,770,000 67,399,235 28,794,009 14,000,000 17,712,298 137,105,542

Accumulated depreciation

31 December 2004 - 3,407,570 43,275,611 13,909,159 4,410,967 - 65,003,307

Depreciation for the year - 338,500 5,282,123 4,080,629 2,800,005 - 12,501,257

Depreciation - disposal - - (522,286) (997,974) - - (1,520,260)

31 December 2005 - 3,746,070 48,035,448 16,991,814 7,210,972 - 75,984,304

Net book value31 December 2004 2,430,000 3,362,430 13,553,810 11,228,767 9,589,033 17,712,298 57,876,338

31 December 2005 2,430,000 3,023,930 19,363,787 11,802,195 6,789,028 17,712,298 61,121,238

Depreciation for the year

2004 11,101,205

2005 12,501,257

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Annual Report 2005

(Unit: Baht)The Company Only

Furniture,

fixtures and Installation

Land Building equipment Vehicles in progress Total

Cost

31 December 2004 2,430,000 6,770,000 41,328,652 17,140,994 14,169,609 81,839,255

Purchases - - 9,418,919 4,676,366 - 14,095,285

Disposal - - (159,038) (752,095) - (911,133)

31 December 2005 2,430,000 6,770,000 50,588,533 21,065,265 14,169,609 95,023,407

Accumulated depreciation

31 December 2004 - 3,407,570 29,414,723 8,839,888 - 41,662,181

Depreciation for the year - 338,500 4,511,863 3,282,936 - 8,133,299

Depreciation - disposal - - (155,162) (752,095) - (907,257)

31 December 2005 - 3,746,070 33,771,424 11,370,729 - 48,888,223

Net book value

31 December 2004 2,430,000 3,362,430 11,913,929 8,301,106 14,169,609 40,177,074

31 December 2005 2,430,000 3,023,930 16,817,109 9,694,536 14,169,609 46,135,184

Depreciation for the year

2004 6,932,073

2005 8,133,299

As at 31 December 2005 and 2004 certain fixed assets of the Company and the subsidiary have been fullydepreciated but are still in use. The original cost, before deducting accumulated depreciation, of those assetsamounted to Baht 40.20 million and Baht 38.24 million, respectively (the Company only: Baht 24.69 million andBaht 23.72 million, respectively).

13. Other Non-Current Assets

As at 31 December 2005 and 2004, the Company and subsidiary had hire purchase receivables and financiallease receivables totaling Baht 92.72 million and 95.47 million, respectively, (the Company only: hire purchasereceivables of Baht 22.32 million and Baht 22.22 million, respectively) for which courts have issued judgements infavor of the Company and the subsidiary, and which the Company and the subsidiary are in the process of pursuingcollection. The balance of such receivables is recorded in other non-current assets in the balance sheets and fullallowance has been provided for such balance.

128


14. Bank Overdrafts and Short-Term Loans From Financial Institutions

As at 31 December 2005 and 2004, bank overdrafts and short-term loans from financial institutions are presentedas follows: -


2005 2004 2005 2004

Bank overdrafts 57,734,011 23,601,414 53,770,120 23,601,414

Short-term loans from

financial institutions 4,195,000,000 4,080,000,000 3,355,000,000 3,640,000,000

Total 4,252,734,011 4,103,601,414 3,408,770,120 3,663,601,414

Short-term loans from financial institutions are denominated in Baht and carry interest at the rates of3.25 - 5.85 percent per annum (2004: 2.25 - 5.28 percent per annum).As at 31 December 2005, short-term loans from financial institutions of the Company and the subsidiary aresecured by the transfer of rights of claim under hire purchase receivables of the Company and factoring receivablesof the subsidiary, as discussed in Notes 5.4 and 7.3, and standby letter of credit issued by a related foreign bankand guaranteed by Chailease Finance Company Limited (2004: secured by the transfer of rights of claim under hirepurchase receivables of the Company and factoring receivables of the subsidiary and standby letters of creditissued by a foreign bank and a related foreign bank).

15. Other Short-Term Loans

Other short-term loans consisted of promissory notes which the Company issued to companies andindividuals. They are unsecured and carry interest at rates of 4.25 - 4.60 percent per annum.

16. Related Party Transactions

During the years, the Company and subsidiary had significant business transactions with their related parties whichare related by way of shareholding, common shareholders and/or common directors. Suchtransactions are summarized as follows:-

(Unit: Million Baht)For the year ended 31 December

Consolidated The Company Only Pricing policy

2005 2004 2005 2004

Subsidiary

Management fee income - - 4.92 4.44 Cost plus margin of 5 percent

Loss from sales of assets

foreclosed - - 0.08 - Market price

Gain on sales of equipment - - - 1.78 Market price

Related persons and companies

Factoring fee income

Chailease Credit Service Co Ltd. 0.69 0.46 - - Per agreements executed in normal

course of factoring business

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Annual Report 2005

(Unit: Million Baht)For the year ended 31 December

Consolidated The Company Only Pricing policy

2005 2004 2005 2004

Rental and service fee

Sathorn City Tower 9.41 7.06 6.61 5.28 Baht 425 - 500 per square

Property Fund metre which is close to

the normal market price

Bangkok Garden Property Fund 0.36 0.36 0.36 0.36 Baht 30,000 per month

9.77 7.42 6.97 5.64

Interest expenses

Bangkok Bank Public 106.83 64.81 86.85 56.04

Company Limited

China Trust Commercial Bank - 2.41 - 2.36

Mr. Jeffrey Koo 2.88 1.94 - -

Others 5.33 0.40 4.42 -

115.04 69.56 91.27 58.40 2.00 - 6.75 percent per annum

(2004: 2.00 - 6.00 percent

per annum)

Purchase of equipment

My Funding Corporation - 11.35 - 7.81 Market price

Fee of Standby Letter of Credit

and guarantee fee

China Trust Commercial Bank 17.47 15.24 17.14 15.04 1.25 percent per annum

Bangkok Bank Public 0.59 0.31 - - 1.50 percent per annum

Company Limited

18.06 15.55 17.14 15.04

Major shareholder

Advisory fee 3.53 3.53 2.31 2.72 As per agreement

Guarantee fee 0.76 - 0.76 - 0.35 percent per annum

130


The relationships between the Company and its related parties are summarized below: -Related parties Relationships

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

My Funding Corporation Common major shareholders and director

Chailease Finance Co., Ltd. The Companyûs major shareholder

Chailease Credit Service Co., Ltd. Related company with the Companyûs major shareholder

Sathorn City Tower Property Fund Related party of the Companyûs shareholder

Bangkok Garden Property Fund Related party of the Companyûs shareholder

Asset Plus Institution Dividend Fund Managed by a subsidiary of the Companyûs shareholder

Asset Plus Money Management Fund 1 Managed by a subsidiary of the Companyûs shareholder

Asset Plus Money Management Fund 2 Managed by a subsidiary of the Companyûs shareholder

Asset Plus Anantasub Flexible Fund Managed by a subsidiary of the Companyûs shareholder

Dr. Udomsak Chakreyawanich Director of the Companyûs shareholder

Chinatrust Commercial Bank Related company with the Companyûs major shareholder

As at 31 December 2005 and 2004, the Company and subsidiary had outstanding balances of significant assetsand liabilities with the related parties as follows: -


2005 2004 2005 2004

Cash and cash equivalent

Bangkok Bank Public Company Limited 18,648,077 9,746,906 3,385,569 9,516,124

Prepaid fee expenses

Bangkok Bank Public Company Limited 246,575 154,532 - -

Chinatrust Commercial Bank 948,608 2,647,512 948,608 2,617,593

Total 1,195,183 2,802,044 948,608 2,617,593

Prepaid interest expenses

Asset Plus Money Management Fund 2 1,227,432 - 1,227,432 -

Bank overdrafts and short-term loans

from financial institution

Bangkok Bank Public Company Limited 1,997,734,010 1,438,601,414 1,473,770,120 1,133,601,414

Short-term loans from related parties

Bangkok Insurance Public Company Limited 60,000,000 30,000,000 - -

Asset Plus Money Management Fund 2 150,000,000 - 150,000,000 -

Asset Plus Institution Dividend Fund 30,000,000 - 30,000,000 -

Asset Plus Anantasub Flexible Fund 10,000,000 - 10,000,000 -

Other related person 45,000,000 - 45,000,000 -

Total 295,000,000 30,000,000 235,000,000 -

131

Annual Report 2005


2005 2004 2005 2004

Amount due to related parties

Related persons 250,627 244,942 5,685 -

Bangkok Bank Public Company Limited 4,218,868 5,917,058 3,007,562 4,982,996

Chailease Finance Co., Ltd. 765,589 - 765,589 -

Total 5,235,084 6,162,000 3,778,836 4,982,996

As at 31 December 2005 bank overdraft and short-term loans from related parties are unsecured,denominated in Baht and carry interest at rates of 2.00 percent to 6.75 percent per annum (2004: 2.00 percent to6.00 percent per annum).


2005 2004 2005 2004

Long-term loans from related parties

Bangkok Bank Public Company Limited 2,050,000,000 1,050,000,000 1,900,000,000 900,000,000

Related persons 70,000,000 70,000,000 - -

Total 2,120,000,000 1,120,000,000 1,900,000,000 900,000,000

Less: Current portion of long-term loans (1,050,000,000) - (900,000,000) -

Net 1,070,000,000 1,120,000,000 1,000,000,000 900,000,000

As at 31 December 2005, the Companyûs long-term loans from related parties are unsecured anddenominated in Baht. A loan of Baht 900 million is to be repaid in full on 15 October 2006, and carries interest ata rate of 4 percent per annum, to be paid every month-end. A loan of Baht 1,000 million is to be repaid in full on30 September 2008, and carries interest at a fixed rate of 5.5 percent per annum for the first and the second yearand at MLR for the third year, to be paid every month-end (2004: loan of Baht 900 million, principal due on 15October 2006 and carried interest at a rate of 4 percent per annum).

As at 31 December 2005 and 2004, the subsidiaryûs long-term loans from related parties are unsecured anddenominated in Baht. A loan of Baht 150 million is to be paid in full on 15 October 2006, and carries interest at arate of 4 percent per annum, to be paid every month-end. A loan of Baht 70 million is to be paid in full on 1 June2007, and carries interest at a rate of 4.12 percent per annum, to be paid every 6 months.

During the year, short-term loans and long-term loans from related parties have movement as follows:

132



Related Related Related Related

companies person Total companies person Total

Short-term loans from related

parties Balance as at

1 January 2005 30,000,000 - 30,000,000 - - -

Increase during the year 220,000,000 45,000,000 265,000,000 190,000,000 45,000,000 235,000,000

Decrease during the year - - - - - -

Balance as at 31 December 2005 250,000,000 45,000,000 295,000,000 190,000,000 45,000,000 235,000,000


Related Related

companies person Total Related company

Long-term loans from related parties

Balance as at 1 January 2005 1,050,000,000 70,000,000 1,120,000,000 900,000,000

Increase during the year 1,000,000,000 - 1,000,000,000 1,000,000,000

Decrease during the year - - - -

Balance as at 31 December 2005 2,050,000,000 70,000,000 2,120,000,000 1,900,000,000

Commitments and guarantees to/by related parties

As at 31 December 2005, the Company had provided guarantee of short-term loans of subsidiary totaling Baht 150million (2004: the Company had provided guarantee of short-term loans of subsidiary totaling Baht 100 million andthe Company and the subsidiary have an obligation under cross guarantees made to secure joint loan facilities ofUSD 17 million).

As at 31 December 2005, the subsidiary had guaranteed factoring receivables of a related company amounting toUSD 0.36 million, or Baht 14.68 million (2004: USD 0.12 million or Baht 4.74 million).

As at 31 December 2005 and 2004, the Company and the subsidiary had outstanding of USD 0.18 million, or Baht7.60 million commitments under an agreement to develop and install a computer system and software with aforeign related company (the Company only: USD 0.15 million or Baht 6.08 million).

17. Share Capital

17.1 On 8 December 2003, the Extraordinary General Meeting of the Companyûs shareholders authorised areduction of the registered share capital of the Company from Baht 460,000,000, divided into 4,600,000shares with a par value of Baht 100 each, to Baht 348,000,000, divided into 3,480,000 shares with a parvalue of Baht 100 each, in order to reduce the deficit of the Company. The Company registered thereduction in share capital with the Ministry of Commerce on 26 March 2004.

133

Annual Report 2005

17.2 On 25 March 2004, the Extraordinary General Meeting of the Companyûs shareholders authorised anincrease in the registered share capital of the Company from Baht 348,000,000 to Baht 428,000,000,through the issue of 800,000 shares with a par value of Baht 100 each to be offered to existingshareholders based on their percentage of shareholding at a price of Baht 100 per share. The Companyregistered the increase in share capital with the Ministry of Commerce on 30 March 2004.

17.3 On 30 April 2004, the Annual General Meeting of the Companyûs shareholders authorised a change in thepar value of the Companyûs shares from Baht 100 per share to Baht 5 per share, increasing the numberof the Companyûs shares from 4,280,000 to 85,600,000 shares. The Company registered the change inthe par value with the Ministry of Commerce on 28 May 2004.

17.4 On 30 August 2004, the Extraordinary General Meeting of the Companyûs shareholders authorised anincrease in the registered share capital of the Company from Baht 428,000,000 to Baht 575,000,000 bythe creation of 29,400,000 ordinary shares with a par value of Baht 5 each and authorised the allocationand offering of the 29,400,000 new ordinary shares, with 6,400,000 to be offered to the directors andemployees of the Company and the subsidiary and 23,000,000 to the public.

17.5 During the period 26 - 30 November 2004, the Company received the proceeds from the issue of 6.4 millionshares at an offer price of Baht 5.50 per share, a total of Baht 35.20 million, from the directors, managementand employees of the Company and the subsidiary. The Company registered the change in issued sharecapital with the Ministry of Commerce on 8 December 2004.

17.6 During the period 16 - 18 August 2005 the Company made an initial public offering of 23 million additionalordinary shares with a par value of Baht 5 each to the public, at a price of Baht 8.90 per share. Totalproceeds from the share offer were Baht 204.70 million, with a share premium of Baht 89.7 million. Shareissue costs of Baht 8.47 million were offset against this share premium. The Company registered theresulting change in its paid-up capital with the Ministry of Commerce on 22 August 2005.

18. Dividend Paid

Dividends declared in 2005 consist of the followings:(Unit: Baht)

Total

Approved by dividends Dividend per share

Interim dividends A resolution of the Companyûs directors meeting 69,000,000 0.60

on 28 September 2005

The Company paid the dividend to the holders of the Companyûs 115 million shares on 27 October 2005.

134


19. Statutory Reserve

Pursuant to section 116 of the Public Limited Companies Act B.E. 2535, the Company is required to set aside astatutory reserve at least 5 percent of its net earnings after deducting accumulated deficit brought forward (if any)until the reserve reaches 10 percent of the registered share capital. The statutory reserve is not available fordividend distribution.

20. Corporate Income Tax

Corporate income tax for the years have been calculated on the net earnings of the Company and its subsidiaryafter adding back certain expenses and provisions for expenses not yet currently allowable for tax computationpurposes and deducting tax losses brought forward from previous years.

21. Employees and Related Costs

Consolidated The Company Only

2005 2004 2005 2004

Number of employees at end of year 315 279 249 223

Employee costs for the year (Thousand Baht) 167.60 144.92 134.61 114.51

During the year 2005 and 2004, the Company and the subsidiary contributed totals of Baht 3.31 million and Baht3.16 million, respectively, to the provident fund (the Company Only: Baht 2.66 million and Baht 2.50 million,respectively).

22. Commitments and Contingent Liabilities

As at 31 December 2005 and 2004, the Company and subsidiary had the following commitments and contingentliabilities: -

22.1 The Company had entered into 3 interest rate swap agreements as follows: -

Fair value as of

Notional Interest Interest 31 December

Effective date Due date amount receipt rate payment rate 2005

(Million Baht) (Million Baht)

6 February 2003 6 February 2006 100 Floating rate 3.25% 0.55

31 October 2005 31 October 2006 1,000 5.50% Floating raste 0.95

18 November 2005 18 November 2008 400 Floating rate 4.50% for first year, (16.00)

floating rate for

the next 2 years

Fair value represented gain (loss) from mark to market as at the balance sheet date.

135

Annual Report 2005

22.2 The subsidiary has obligations as the guarantor of factoring receivables of companies amounting to JPY4.60 million and USD 1.21 million, or Baht 51.41 million (2004: JPY 9.21 million or Baht 3.5 million).

23. Financial Information by Segment

The majority of the operations of the Company and its subsidiary involve mainly the hire purchase, financial lease,operating lease and factoring businesses, and are carried on in a single geographic area, Thailand. Asa result, all revenues, operating profits and assets as reflected in these financial statements pertain to theaforementioned industry and geographic area.

24. Financial Instruments

24.1 Financial risk management and policiesThe Company and the subsidiary do not hold or issue derivative instruments for speculative or tradingpurposes.

24.2 Credit riskThe Company and the subsidiary are exposed to credit risk primarily with respect to trade accountsreceivable. However, due to their prudent credit policy, and their large customer base diversified acrossmany industries, the Company and the subsidiary do not anticipate material losses from debt collection inexcess of the allowance for doubtful accounts they have already provided.

24.3 Interest rate risk

(Unit: Million Baht)Consolidated

Outstanding balance as at 31 December 2005

No interest Floating rate Fixed rate Total

Financial assets

Cash and cash equivalents 8.23 15.40 - 23.63

Hire purchase receivables - net - - 6,639.10 6,639.10

Financial lease receivables - net - - 620.46 620.46

Factoring receivables - net - 406.09 - 406.09

Other short-term loans - net - - 6.70 6.70

136





Financial liabilities


from financial institutions - 57.73 4,195.00 4,252.73

Short-term loans from related parties - - 295.00 295.00

Other short-term loans - - 163.00 163.00

Long-term loans from related parties - - 2,120.00 2,120.00

(Unit: Million Baht)The Company Only



Financial assets

Cash and cash equivalents 8.00 - - 8.00

Hire purchase receivables - net - - 6,061.36 6,061.36

Other short-term loans - net - - 6.70 6.70

Financial liabilities


from financial institutions - 53.77 3,355.00 3,408.77

Short-term loans from related parties - - 235.00 235.00

Other short-term loans - - 163.00 163.00

Long-term loans from related parties - - 1,900.00 1,900.00

24.4 Foreign currency riskThe Company and the subsidiary do not have any significant in foreign currency risk.

24.5 Fair valueThe Company and the subsidiary estimated the fair value of financial instruments by the followingmethods: -

The carrying values of short-term financial assets and liabilities and factoring receivables withfloating interest rates approximate their fair values.

The fair values of hire purchase receivables, financial lease receivables and long-term loans subject tointerest at fixed rates, and interest rate swap agreements were determined using the discounted cash flowsmethod, applying the current interest rate.

The fair values of interest rate swap agreements as at 31 December 2005 are presented in Note 22.1, whilethe fair values of other financial instruments do not materially differ from their carrying values.

137

Annual Report 2005

25. Maturity of Long-Term Financial Assets and Liabilities

As at 31 December 2005, the maturity of long-term financial assets and liabilities are as follows: -


Period to maturity

Accrual of

Within 1 More than income

year 1-2 years 2-3 years 3-4 years 4 years has ceased Total

Hire purchase receivables 3,077.15 2,297.69 1,426.64 605.05 136.68 29.05 7,572.26

Financial lease receivables 367.77 237.40 91.23 8.71 0.96 2.79 708.86

Factoring receivables 391.55 16.66 2.97 2.82 - 4.40 418.40

Long-term loans 1,050.00 70.00 1,000.00 - - - 2,120.00

(Unit: Million Baht)The Company Only

Period to maturity

Accrual of

Within 1 More than income

year 1-2 years 2-3 years 3-4 years 4 years has ceased Total

Hire purchase receivables 2,744.41 2,083.21 1,331.85 588.52 136.68 26.95 6,911.62

Long-term loans 900.00 - 1,000.00 - - - 1,900.00

26. Presentaion

The presentation of these financial statements have been made in compliance with the Notification of Departmentof Business Development dated 14 September 2001, issued under the Accounting Act B.E. 2543.

Certain amounts in the financial statements, as presented herein for comparative purpose, have been reclassifiedto conform to the current year classifications, with no effect on net earnings or shareholdersû equity previouslyreported by other auditor.

27. Approval of Financail Statements

These financial statements were authorised for issue by the Board of Directors on 22 February 2006.

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CONTENT

Message from the Board of Directors 71

Audit Committeeûs Report 73

General Information 74

Financial Highlights 75

Nature of Business 77

Risk Factors 81

Shareholding and Management Structure 83

Connected Transactions 101

Management Discussion and Analysis 106

Financial Statements 110


ANNUAL

REPORT

2005


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asia sermkij leasing : annual report 2005

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