ask 11

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º≈ª√–°Õ∫°“√ªï2554 ”À√—∫º≈ª√–°Õ∫°“√¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ¡’ ‘π∑√—æ¬å√«¡®”π«π 18,215 ≈â“π∫“∑‡ª√’¬∫‡∑’¬∫°—∫ªï 2553 ®”π«π 15,395 ≈â“π∫“∑§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 18.3 Õ—π‡ªìπº≈¡“®“°°“√‡μ‘∫‚μ¢ÕßæÕ√åμ ‘π‡™◊ËÕ®“°°“√‡μ‘∫‚μ¢Õß∏ÿ√°‘® ¬Õ¥°“√„Àâ ‘π‡™◊ËÕ¢¬“¬μ—«√âÕ¬≈– 13.8 ®“° 13,141 ≈â“π∫“∑‡ªìπ 14,959 ≈â“π∫“∑ °”‰√ ÿ∑∏‘√«¡®“°°“√¥”‡π‘πß“π®”π«π 332 ≈â“π∫“∑‰¥â™à«¬≈¥¿“√–‡ß‘π°Ÿâ¬◊¡∑’Ë„™â„π°“√¢¬“¬ ‘π∑√—æ¬å¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬≈ß∫“ß à«π ”À√—∫ à«π¢ÕßºŸâ∂◊ÕÀÿâπ°Á¢¬“¬μ—«®“° 1,952 ≈â“π∫“∑„πªï 2553 ‡ªìπ 2,046 ≈â“π∫“∑„πªï 2554 À√◊Õ§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 4.8 ÷Ëß‡ªìπº≈¡“®“°°”‰√ ÿ∑∏‘∑’Ë‡æ‘Ë¡¢÷Èπ ∑“ß¥â“πÀπ’È ‘π√«¡‰¥â‡æ‘Ë¡¢÷Èπ®“° 13,443 ≈â“π∫“∑„πªï 2553 ‡ªìπ 16,169 ≈â“π∫“∑„πªï 2554 À√◊Õ§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 20.3 √“¬‰¥â√«¡‡æ‘Ë¡¢÷Èπ®“° 1,364 ≈â“π∫“∑„πªï 2553 ‡ªìπ 1,657 ≈â“π∫“∑„πªï 2554 À√◊Õ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 21.5 §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ ”À√—∫ªï 2554 ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 16.6 ®“°®”π«π 418 ≈â“π∫“∑„πªï 2553 ‡ªìπ®”π«π 487 ≈â“π∫“∑ À√◊Õ§‘¥‡ªìπ√âÕ¬≈– 29.4 ¢Õß√“¬‰¥â√«¡„πªï 2554 ‡∑’¬∫°—∫√âÕ¬≈– 30.6 ¢Õß√“¬‰¥â√«¡„πªï 2553 §à“„™â®à“¬∑“ß°“√‡ß‘π ”À√—∫ªï 2554 ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 35.9 ®“°®”π«π 459 ≈â“π∫“∑„πªï 2553 À√◊Õ§‘¥‡ªìπ√âÕ¬≈– 33.7 ¢Õß√“¬‰¥â√«¡ ‡ªìπ®”π«π 624 ≈â“π∫“∑„πªï 2554 À√◊Õ§‘¥‡ªìπ√âÕ¬≈– 37.7 ¢Õß√“¬‰¥â√«¡ ÷Ëß‡æ‘Ë¡¢÷Èπ‡π◊ËÕß®“°¡’°“√°Ÿâ¬◊¡‡æ‘Ë¡¢÷Èπ‡æ◊ËÕ¢¬“¬æÕ√åμ ‘π‡™◊ËÕ¢Õß∫√‘…—∑ √«¡∑—ÈßÕ—μ√“¥Õ°‡∫’È¬„πμ≈“¥‡æ‘Ë¡ Ÿß¢÷Èπ °”‰√ ÿ∑∏‘√«¡‡æ‘Ë¡¢÷Èπ®“° 290 ≈â“π∫“∑„πªï 2553 ‡ªìπ 332 ≈â“π∫“∑„πªï 2554 À√◊Õ§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 14.3 ”À√—∫Õ—μ√“°”‰√ ÿ∑∏‘ (Net Profit Margin) ·≈– Õ—μ√“º≈μÕ∫·∑πºŸâ∂◊ÕÀÿâπ (Return on Equity) „πªï 2554 Õ¬Ÿà∑’Ë√âÕ¬≈– 20.0 ·≈–√âÕ¬≈– 16.6 μ“¡≈”¥—∫ ‡æ‘Ë¡¢÷Èπ‡¡◊ËÕ‡∑’¬∫°—∫√âÕ¬≈– 21.3 ·≈–√âÕ¬≈– 15.5 „πªï 2552 μ“¡≈”¥—∫ æÕ√åμ ‘π‡™◊ËÕ‡æ‘Ë¡¢÷Èπ®“° 15,153 ≈â“π∫“∑„πªï 2553 ‡ªìπ 17,686 ≈â“π∫“∑„πªï 2554 ®“°°“√¢¬“¬μ—«¢Õß°“√„Àâ ‘π‡™◊ËÕμ“¡°“√‡μ‘∫‚μ¢Õß∏ÿ√°‘® „π¢≥–∑’Ë —¥ à«π ‘π‡™◊ËÕ∑’Ë‰¡à°àÕ„Àâ‡°‘¥√“¬‰¥â (NPLs) ≈¥≈ß®“°√âÕ¬≈– 0.58 ¢ÕßæÕ√åμ ‘π‡™◊ËÕ√«¡ ≥ ‘Èπªï 2553 ‡ªìπ√âÕ¬≈– 0.42 ¢ÕßæÕ√åμ ‘π‡™◊ËÕ√«¡ ≥ ‘Èπªï 2554 ´÷Ëß –∑âÕπ„Àâ‡ÀÁπ§ÿ≥¿“æ¢Õß ‘π∑√—æ¬å¢Õß∫√‘…—∑

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‡√’¬π ∑à“πºŸâ∂◊ÕÀÿâπ §≥–°√√¡°“√μ√«® Õ∫ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ª√–°Õ∫¥â«¬°√√¡°“√Õ‘ √–∑’Ë‰¡à¡’ à«π√à«¡„π°“√∫√‘À“√ß“π„π∫√‘…—∑ ∑ÿ°∑à“π¡’§ÿ≥ ¡∫—μ‘§√∫∂â«π·≈–‡ªìπ‰ªμ“¡¢âÕ°”Àπ¥¢Õßμ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ ·≈– ”π—°ß“π§≥–°√√¡°“√°”°—∫À≈—°∑√—æ¬å·≈–μ≈“¥À≈—°∑√—æ¬å ‚¥¬¡’®”π«π 4 ∑à“π ¥—ßπ’È 1. π“¬ª√–¥‘…∞ »«— μπ“ππ∑å ª√–∏“π°√√¡°“√μ√«® Õ∫·≈–°√√¡°“√Õ‘ √– 2. π“¬Õπ—πμå »«— μπ“ππ∑å °√√¡°“√μ√«® Õ∫·≈–°√√¡°“√Õ‘ √– 3. √Õß»“ μ√“®“√¬å ¥√. ÿª√’¬“ §«√‡¥™–§ÿªμå °√√¡°“√μ√«® Õ∫·≈–°√√¡°“√Õ‘ √– 4. π“¬‡°…¡ Õ“§‡π¬å ÿ«√√≥ °√√¡°“√μ√«® Õ∫·≈–°√√¡°“√Õ‘ √– „πªï 2554 §≥–°√√¡°“√μ√«® Õ∫ ‰¥â¡’°“√ª√–™ÿ¡√à«¡°—∫ºŸâ∫√‘À“√√–¥—∫ Ÿß ºŸâμ√«® Õ∫¿“¬„π ·≈–ºŸâ Õ∫∫—≠™’ μ“¡«“√–∑’Ë‡°’Ë¬«¢âÕß √«¡ 4 §√—Èß „π®”π«ππ’È¡’°“√ª√–™ÿ¡√à«¡°—∫ºŸâ Õ∫∫—≠™’‚¥¬‰¡à¡’ΩÉ“¬∫√‘À“√√à«¡ª√–™ÿ¡¥â«¬ 1 §√—Èß ‡æ◊ËÕ‡ªìπ°“√ àß‡ √‘¡∏√√¡“¿‘∫“≈·≈–‡æ‘Ë¡§«“¡‚ª√àß„ ¢Õßß∫°“√‡ß‘π„Àâ°—∫∫√‘…—∑ °√√¡°“√μ√«® Õ∫∑ÿ°∑à“π‰¥âÕÿ∑‘»‡«≈“‡æ◊ËÕ‡¢â“√à«¡ª√–™ÿ¡∑ÿ°§√—Èß ‡«âπ·μà‡Àμÿ®”‡ªìπ∑”„Àâ ‰¡à “¡“√∂‡¢â“√à«¡ª√–™ÿ¡‰¥â ∑—Èßπ’È°√√¡°“√μ√«® Õ∫·μà≈–∑à“π‡¢â“√à«¡ª√–™ÿ¡¥—ßπ’È √“¬™◊ËÕ ®”π«π°“√‡¢â“√à«¡ª√–™ÿ¡/ °“√ª√–™ÿ¡∑—ÈßÀ¡¥ (§√—Èß) 1. π“¬ª√–¥‘…∞ »«— μπ“ππ∑å 4/4 2. π“¬Õπ—πμå »«— μπ“ππ∑å 2/4 3. √Õß»“ μ√“®“√¬å ¥√. ÿª√’¬“ §«√‡¥™–§ÿªμå 4/4 4. π“¬‡°…¡ Õ“§‡π¬å ÿ«√√≥ 4/4 §≥–°√√¡°“√μ√«® Õ∫‰¥âªØ‘∫—μ‘Àπâ“∑’Ë¥â«¬§«“¡√Õ∫§Õ∫Õ¬à“ß‡ªìπÕ‘ √–§√∫∂â«πμ“¡∑’Ë ‰¥â√—∫¡Õ∫À¡“¬®“°§≥–°√√¡°“√∫√‘…—∑·≈–°Æ∫—μ√§≥–°√√¡°“√μ√«® Õ∫∑’Ë°”Àπ¥‰«â ´÷Ëß‡ªìπ‰ªμ“¡¢âÕ°”Àπ¥·≈–·π«∑“ß°“√ªØ‘∫—μ‘∑’Ë¥’ ”À√—∫§≥–°√√¡°“√μ√«® Õ∫¢Õßμ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ ”À√—∫°“√ªØ‘∫—μ‘Àπâ“∑’Ë¢Õß§≥–°√√¡°“√μ√«® Õ∫„πª√–‡¥Áπ ”§—≠Ê √ÿª‰¥â¥—ßμàÕ‰ªπ’È 1. Õ∫∑“π°“√®—¥∑”ß∫°“√‡ß‘π√“¬‰μ√¡“ ·≈–ß∫°“√‡ß‘πª√–®”ªï √à«¡°—∫ºŸâ Õ∫∫—≠™’ °àÕππ”‡ πÕ§≥–°√√¡°“√∫√‘…—∑

‡æ◊ËÕ„Àâ¡—Ëπ„®„π§«“¡∂Ÿ°μâÕß§√∫∂â«π ‡™◊ËÕ∂◊Õ‰¥â ¡’°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈Õ¬à“ß‡æ’¬ßæÕ·≈–§√∫∂â«π ·≈–®—¥∑”¢÷Èπμ“¡À≈—°°“√∫—≠™’∑’Ë√—∫√Õß‚¥¬∑—Ë«‰ª ´÷Ëß§≥–°√√¡°“√μ√«® Õ∫¡’§«“¡‡ÀÁπ«à“ √“¬ß“π∑“ß°“√‡ß‘π¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’§«“¡∂Ÿ°μâÕß ‡™◊ËÕ∂◊Õ‰¥â ¡’°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈Õ¬à“ß‡æ’¬ßæÕ·≈–§√∫∂â«π∑—π‡«≈“ ·≈–®—¥∑”¢÷Èπμ“¡À≈—°°“√∫—≠™’∑’Ë√—∫√Õß‚¥¬∑—Ë«‰ª

2. Õ∫∑“π√–∫∫°“√§«∫§ÿ¡¿“¬„π √à«¡°—∫ºŸâμ√«® Õ∫¿“¬„π ·≈–ºŸâ Õ∫∫—≠™’ ‡æ◊ËÕª√–‡¡‘πª√– ‘∑∏‘º≈·≈–§«“¡‡æ’¬ßæÕ¢Õß√–∫∫§«∫§ÿ¡¿“¬„π¢Õß∫√‘…—∑ πÕ°®“°π’È§≥–°√√¡°“√μ√«® Õ∫‰¥âæ‘®“√≥“°“√ª√–‡¡‘π√–∫∫°“√§«∫§ÿ¡¿“¬„πª√–®”ªï 2554 ¢Õß∫√‘…—∑ ‚¥¬∑∫∑«π®“°·∫∫ª√–‡¡‘π§«“¡‡æ’¬ßæÕ¢Õß√–∫∫°“√§«∫§ÿ¡¿“¬„π μ“¡·π«∑“ß∑’Ë ”π—°ß“π§≥–°√√¡°“√°”°—∫À≈—°∑√—æ¬å·≈–μ≈“¥À≈—°∑√—æ¬å°”Àπ¥ ‚¥¬¡’§«“¡‡ÀÁπ«à“‰¡à¡’¢âÕº‘¥æ≈“¥∑’Ë‡ªìππ—¬ ”§—≠®“°°“√ªØ‘∫—μ‘ß“π ·≈–√–∫∫°“√§«∫§ÿ¡¿“¬„π¢Õß∫√‘…—∑¡’§«“¡‡æ’¬ßæÕμ“¡·π«∑“ß∑’Ë°”Àπ¥

3. Õ∫∑“π°“√ªØ‘∫—μ‘ß“π¢Õß∫√‘…—∑ ‡æ◊ËÕ„Àâ‡ªìπ‰ªμ“¡°ÆÀ¡“¬«à“¥â«¬À≈—°∑√—æ¬å·≈–μ≈“¥À≈—°∑√—æ¬åœ ¢âÕ°”Àπ¥¢Õßμ≈“¥À≈—°∑√—æ¬åœ ·≈–°ÆÀ¡“¬À√◊Õ¢âÕ°”Àπ¥∑’Ë‡°’Ë¬«¢âÕß°—∫∏ÿ√°‘®¢Õß∫√‘…—∑ ‚¥¬¡’§«“¡‡ÀÁπ«à“ ∫√‘…—∑¡’°“√ªØ‘∫—μ‘μ“¡°ÆÀ¡“¬·≈–¢âÕ°”Àπ¥∑’Ë‡°’Ë¬«¢âÕß

4. æ‘®“√≥“§—¥‡≈◊Õ° ‡ πÕ·μàßμ—Èß √«¡∂÷ßæ‘®“√≥“‡ πÕ§à“μÕ∫·∑π¢ÕßºŸâ Õ∫∫—≠™’μàÕ§≥–°√√¡°“√∫√‘…—∑‡æ◊ËÕ‡ πÕμàÕ∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ ∑—Èßπ’È§≥–°√√¡°“√μ√«® Õ∫‰¥âæ‘®“√≥“§—¥‡≈◊Õ°ºŸâ Õ∫∫—≠™’®“°∫√‘…—∑ ”π—°ß“π ‡Õ‘π å∑ ·Õπ¥å ¬—ß ®”°—¥ ‡ªìπºŸâ Õ∫∫—≠™’¢Õß∫√‘…—∑ ”À√—∫ªï 2555 μàÕ‰ª ‚¥¬æ‘®“√≥“º≈°“√ªØ‘∫—μ‘ß“π·≈–§«“¡‡ªìπÕ‘ √–„π°“√∑”Àπâ“∑’Ë

4 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

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5. æ‘®“√≥“√“¬°“√∑’Ë‡°’Ë¬«‚¬ß°—πÀ√◊Õ√“¬°“√∑’ËÕ“®¡’§«“¡¢—¥·¬âß∑“ßº≈ª√–‚¬™πå ‚¥¬∂◊ÕÀ≈—°§«“¡∂Ÿ°μâÕß·≈–°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈Õ¬à“ß‡æ’¬ßæÕ „Àâ‡ªìπ‰ªμ“¡¢âÕ°”Àπ¥¢Õßμ≈“¥À≈—°∑√—æ¬åœ ·≈– ”π—°ß“π§≥–°√√¡°“√°”°—∫À≈—°∑√—æ¬å·≈–μ≈“¥À≈—°∑√—æ¬å ·≈–¡’§«“¡‡ÀÁπ«à“∫√‘…—∑‰¥â¥”‡π‘π°“√μ“¡‡ß◊ËÕπ‰¢∑“ß∏ÿ√°‘®ª°μ‘ μ“¡À≈—°‡°≥±å∑’Ë°”Àπ¥ ¡‡Àμÿ ¡º≈ ·≈–‡ªìπª√–‚¬™πå Ÿß ÿ¥μàÕ∫√‘…—∑

6. æ‘®“√≥“Õπÿ¡—μ‘·ºπß“πμ√«® Õ∫¿“¬„πª√–®”ªï 2555 ¢ÕßΩÉ“¬μ√«® Õ∫¿“¬„π ´÷Ëßæ‘®“√≥“∂÷ßÀ≈—°°“√μ√«® Õ∫‚¥¬‡πâπ§«“¡‡ ’Ë¬ß ·≈–√—∫∑√“∫√“¬ß“πº≈°“√μ√«® Õ∫¿“¬„π ‚¥¬„Àâ¢âÕ‡ πÕ·π–‡æ◊ËÕª√—∫ª√ÿß°“√ªØ‘∫—μ‘ß“π·≈–μ‘¥μ“¡°“√¥”‡π‘π°“√·°â ‰¢μ“¡√“¬ß“πº≈°“√μ√«® Õ∫„πª√–‡¥Áπ∑’Ë¡’π—¬ ”§—≠ √«¡∑—Èß‡™‘≠ΩÉ“¬∫√‘À“√∑’Ë‡°’Ë¬«¢âÕß‡¢â“™’È·®ß‡°’Ë¬«°—∫°“√¥”‡π‘π°“√·≈–º≈°“√·°â ‰¢„πª√–‡¥Áπ¥—ß°≈à“« ‚¥¬¡’§«“¡‡ÀÁπ«à“°“√μ√«® Õ∫¿“¬„π¡’§«“¡‡ªìπÕ‘ √–·≈–‡À¡“– ¡ ´÷Ëß®–™à«¬ àß‡ √‘¡„Àâ¡’°“√§«∫§ÿ¡¿“¬„π °“√∫√‘À“√§«“¡‡ ’Ë¬ß ·≈–°“√°”°—∫¥Ÿ·≈°‘®°“√∑’Ë¥’

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

9. °“√ª√–‡¡‘πμπ‡Õß¢Õß§≥–°√√¡°“√μ√«® Õ∫ μ“¡·π«∑“ß¢Õßμ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ ‚¥¬¡’§«“¡‡ÀÁπ«à“°“√ªØ‘∫—μ‘Àπâ“∑’Ë¢Õß§≥–°√√¡°“√μ√«® Õ∫¡’§«“¡‡À¡“– ¡ Õ¥§≈âÕßμ“¡·π«∑“ß∑’Ë°”Àπ¥ Õ—π®–™à«¬ àß‡ √‘¡ π—∫ πÿπ°“√°”°—∫¥Ÿ·≈°‘®°“√∑’Ë¥’¢Õß∫√‘…—∑Õ¬à“ß¡’ª√– ‘∑∏‘º≈

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6 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

[ ¢âÕ¡Ÿ≈∑—Ë«‰ª ]

¢âÕ¡Ÿ≈∫√‘…—∑ ™◊ËÕ∫√‘…—∑ : ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ∂“π∑’Ëμ—Èß : ”π—°ß“π„À≠à ™—Èπ∑’Ë 24 Õ“§“√ “∏√ ‘μ’È∑“«‡«Õ√å ‡≈¢∑’Ë 175 ∂ππ “∑√„μâ ·¢«ß∑ÿàß¡À“‡¡¶ ‡¢μ “∑√ °√ÿß‡∑æœ 10120 ‚∑√»—æ∑å 0-2679-6226, 0-2679-6262 ‚∑√ “√ 0-2679-6241-3 “¢“√–¬Õß ‡≈¢∑’Ë 6, 8 »Ÿπ¬å°“√§â“√–¬Õß ∂ππ ÿ¢ÿ¡«‘∑ μ”∫≈∑à“ª√–¥Ÿà Õ”‡¿Õ‡¡◊Õß ®—ßÀ«—¥√–¬Õß 21000 ‚∑√»—æ∑å 0-3861-2185, 0-3861-7380, 0-3886-0153-5 ‚∑√ “√ 0-3886-0156 “¢“ ¡ÿ∑√ “§√ ™—Èπ 6 Õ“§“√ ‡Õ ∑’ ∑“«‡«Õ√å ‡≈¢∑’Ë 923/55 ∂ππ‡Õ°™—¬ μ”∫≈¡À“™—¬ Õ”‡¿Õ‡¡◊Õß ®—ßÀ«—¥ ¡ÿ∑√ “§√ 74000 ‚∑√»—æ∑å 0-3442-6923-33 ‚∑√ “√ 0-3483-7331 “¢“æ‘…≥ÿ‚≈° ‡≈¢∑’Ë 9/7-9 À¡Ÿà 5 ∂ππ ‘ßÀ«—≤πå μ”∫≈∫â“π§≈Õß Õ”‡¿Õ‡¡◊Õß ®—ßÀ«—¥æ‘…≥ÿ‚≈° 65000 ‚∑√»—æ∑å 0-5521-6566 ‚∑√ “√ 0-5528-2630 Homepage : www.ask.co.th ‡≈¢∑–‡∫’¬π∫√‘…—∑ : ∑–‡∫’¬π‡≈¢∑’Ë 0107546000393 ª√–‡¿∑∏ÿ√°‘® : ª√–°Õ∫∏ÿ√°‘®„Àâ∫√‘°“√ ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πμå∑ÿ°ª√–‡¿∑·≈–∫√‘°“√ ‘π‡™◊ËÕ à«π∫ÿ§§≈ ®”π«π·≈–™π‘¥¢ÕßÀÿâπ∑’Ë : Àÿâπ “¡—≠ 230,000,000 Àÿâπ (≥ «—π∑’Ë 31 ∏—π«“§¡ 2554) ÕÕ°·≈–®”Àπà“¬‰¥â·≈â«∑—ÈßÀ¡¥ ¡Ÿ≈§à“∑’Ëμ√“‰«â : 5 ∫“∑μàÕÀÿâπ ¢âÕ¡Ÿ≈Õ—π¥—∫‡§√¥‘μ : BBB+ ·π«‚πâ¡Õ—π¥—∫‡§√¥‘μ §ß∑’Ë (®—¥Õ—π¥—∫‡§√¥‘μ‚¥¬ ∫√‘…—∑ ∑√‘ ‡√∑μ‘Èß ®”°—¥ ‡¡◊ËÕ 29 ¡’π“§¡ 2555)

¢âÕ¡Ÿ≈°“√≈ß∑ÿπ¢Õß∫√‘…—∑ ™◊ËÕ∫√‘…—∑ : ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) ∂“π∑’Ëμ—Èß : ™—Èπ∑’Ë 10/1 Õ“§“√ “∏√ ‘μ’È∑“«‡«Õ√å ‡≈¢∑’Ë 175 ∂ππ “∑√„μâ ·¢«ß∑ÿàß¡À“‡¡¶ ‡¢μ “∑√ °√ÿß‡∑æœ 10120 ‚∑√»—æ∑å 0-2679-6226, 0-2679-6262 ‚∑√ “√ 0-2679-6241-3 ª√–‡¿∑∏ÿ√°‘® : ª√–°Õ∫∏ÿ√°‘®„Àâ∫√‘°“√ ‘π‡™◊ËÕ≈’ ´‘Ëß ‘π‡™◊ËÕ‡™à“ ◊ÈÕ ·≈– ‘π‡™◊ËÕ·ø§μÕ√‘Ëß ‡§√◊ËÕß®—°√·≈–¬“πæ“Àπ– ®”π«π·≈–™π‘¥¢ÕßÀÿâπ∑’Ë : ®”π«πÀÿâπ “¡—≠ 43,850,000 Àÿâπ (≥ «—π∑’Ë 31 ∏—π«“§¡ 2554) ÕÕ°·≈–®”Àπà“¬‰¥â·≈â«∑—ÈßÀ¡¥ ¡Ÿ≈§à“∑’Ëμ√“‰«â : 10 ∫“∑μàÕÀÿâπ

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 7

¢âÕ¡Ÿ≈Õâ“ßÕ‘ß ‡≈¢“πÿ°“√∫√‘…—∑ : π“ß “«¡≥’æ√ °àÕ°‘μμ‘ ÿπ∑√ ∂“π∑’Ëμ‘¥μàÕ : ™—Èπ∑’Ë 24 Õ“§“√ “∏√´‘μ’È∑“«‡«Õ√å ‡≈¢∑’Ë 175 ∂ππ “∑√„μâ ·¢«ß∑ÿàß¡À“‡¡¶ ‡¢μ “∑√ °√ÿß‡∑æœ 10120 ‚∑√»—æ∑å : 0-2679-6226 ‚∑√ “√ : 0-2679-6241-3 π“¬∑–‡∫’¬πÀ≈—°∑√—æ¬å : ∫√‘…—∑ »Ÿπ¬å√—∫Ω“°À≈—°∑√—æ¬å (ª√–‡∑»‰∑¬) ®”°—¥ ∂“π∑’Ëμ—Èß : ™—Èπ 4, 7 Õ“§“√μ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ ‡≈¢∑’Ë 62 ∂ππ√—™¥“¿‘‡…° ·¢«ß§≈Õß‡μ¬ ‡¢μ§≈Õß‡μ¬ °√ÿß‡∑æœ 10110 ‚∑√»—æ∑å : 0-2229-2800 ‚∑√ “√ : 0-2359-1259 ºŸâ Õ∫∫—≠™’ : ∫√‘…—∑ ”π—°ß“π ‡Õ‘π å∑ ·Õπ¥å ¬—ß ®”°—¥ ∂“π∑’Ëμ—Èß : ™—Èπ 33 Õ“§“√‡≈§√—™¥“ ‡≈¢∑’Ë 193/136-137 ∂ππ√—™¥“¿‘‡…° ‡¢μ§≈Õß‡μ¬ °√ÿß‡∑æœ 10110 ‚∑√»—æ∑å : 0-2264-0777 ‚∑√ “√ : 0-2264-0789-90

8 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

[ ¢âÕ¡Ÿ≈∑“ß°“√‡ß‘π‚¥¬ √ÿª ]

2554 2553 2552 ‘π∑√—æ¬å (≈â“π∫“∑)

‘π∑√—æ¬å√«¡ 18,214.88 15,394.84 12,564.67

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘ 15,987.97 13,689.51 10,821.35

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π - ÿ∑∏‘ 616.95 581.61 613.41

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ 831.17 678.30 632.28

Àπ’È ‘π·≈– à«π¢ÕßºŸâ∂◊ÕÀÿâπ (≈â“π∫“∑)

Àπ’È ‘π√«¡ 16,168.93 13,442.50 10,768.95

à«π¢ÕßºŸâ∂◊ÕÀÿâπ 2,045.95 1,952.34 1,795.72

º≈°“√¥”‡π‘πß“π (≈â“π∫“∑)

√“¬‰¥â√«¡ 1,656.75 1,363.50 1,193.80

√“¬‰¥â®“°¥Õ°º≈‡™à“´◊ÈÕ 1,297.18 1,055.24 916.43

√“¬‰¥â®“° —≠≠“‡™à“°“√‡ß‘π 55.91 57.08 65.26

√“¬‰¥â®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 88.17 65.55 65.66

§à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ 486.83 417.67 373.38

Àπ’È Ÿ≠·≈–Àπ’È ß —¬®– Ÿ≠ 58.70 89.52 113.85

§à“„™â®à“¬∑“ß°“√‡ß‘π 624.36 459.42 419.04

°”‰√ ÿ∑∏‘À≈—ß¿“…’ 331.54 290.02 193.63

Õ—μ√“ à«π· ¥ß§«“¡ “¡“√∂„π°“√À“°”‰√

Õ—μ√“¥Õ°‡∫’È¬√—∫ 1/ (%) 8.80 8.61 8.72

Õ—μ√“¥Õ°‡∫’È¬®à“¬ 1/ (%) 4.31 3.88 4.10

à«πμà“ßÕ—μ√“¥Õ°‡∫’È¬ (%) 4.49 4.73 4.62

Õ—μ√“°”‰√ ÿ∑∏‘ (%) 20.01 21.27 16.22

Õ—μ√“º≈μÕ∫·∑πºŸâ∂◊ÕÀÿâπ (%) 16.58 15.48 11.00

°”‰√ ÿ∑∏‘μàÕÀÿâπ (∫“∑/Àÿâπ) 1.44 1.26 0.84

¡Ÿ≈§à“∑“ß∫—≠™’μàÕÀÿâπ (∫“∑/Àÿâπ) 8.90 8.49 7.81

Õ—μ√“°“√®à“¬‡ß‘πªíπº≈ (%) 69.79 68.89 69.42

Õ—μ√“‡ß‘πªíπº≈μàÕÀÿâπ (∫“∑/Àÿâπ) 0.88 0.58 0.54

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

Õ—μ√“º≈μÕ∫·∑π®“° ‘π∑√—æ¬å (%) 1.97 2.07 1.58

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

Õ—μ√“ à«π«‘‡§√“–Àåπ‚¬∫“¬∑“ß°“√‡ß‘π

Õ—μ√“ à«πÀπ’È ‘πμàÕ à«π¢ÕßºŸâ∂◊ÕÀÿâπ (‡∑à“) 7.90 6.89 6.00

Õ—μ√“ à«π‡ß‘π„Àâ°ŸâμàÕ‡ß‘π°Ÿâ (‡∑à“) 1.13 1.16 1.18

Õ—μ√“ à«π‡ß‘π„Àâ ‘π‡™◊ËÕ∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥âμàÕ ‘π‡™◊ËÕ√«¡ (%) 0.42 0.58 0.75 ∑’Ë¡“ : ß∫°“√‡ß‘π√«¡¢Õß∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) μ√«® Õ∫‚¥¬ºŸâ Õ∫∫—≠™’ ”À√—∫ªï 2552-ªï 2554

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

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 9

1,193.80

1,363.50

1,656.75

290.02

331.54

√“¬‰¥â√«¡ : ≈â“π∫“∑ °”‰√ ÿ∑∏‘À≈—ßÀ—°¿“…’ : ≈â“π∫“∑

20,000

18,000

16,000

14,000

12,000

10,000 2552 2553 2554

‘π∑√—æ¬å√«¡ : ≈â“π∫“∑

2,200

2,000

1,800

1,600

1,400

12,564.67

15,394.85

18,214.88

à«π¢ÕßºŸâ∂◊ÕÀÿâπ : ≈â“π∫“∑

2552 2553 2554

1,795.72

1,952.34

2,045.95

1,700

1,600

1,500

1,400

1,300

1,200

1,100

1,000 2552 2553 2554 2552 2553 2554

360

300

240

180

120

60

0

193.63

10 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4 10 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 11

12 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

¿“æ√«¡°“√ª√–°Õ∫∏ÿ√°‘® ∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ‘Ëß ®”°—¥ (¡À“™π) (ç∫√‘…—∑é) °àÕμ—Èß¢÷Èπ„πªï 2527 ‚¥¬°≈ÿà¡∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) ‡æ◊ËÕ¥”‡π‘π∏ÿ√°‘®‡™à“´◊ÈÕ√∂¬πμå∑ÿ°ª√–‡¿∑ ‚¥¬„Àâ∫√‘°“√ ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πμå„À¡à∑—ÈßÀ¡¥·°à≈Ÿ°§â“„π‡¢μ°√ÿß‡∑æœ ·≈– ª√‘¡≥±≈ μàÕ¡“¿“¬À≈—ß∫√‘…—∑‰¥â¢¬“¬∏ÿ√°‘®‡¢â“ Ÿà°“√„Àâ∫√‘°“√‡™à“´◊ÈÕ√∂¬πμå„™â·≈â« ‘π‡™◊ËÕ à«π∫ÿ§§≈ ‘π‡™◊ËÕ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå ·≈–„Àâ∫√‘°“√¥â“πÕ◊ËπÊ ‡™àπ ∫√‘°“√®¥∑–‡∫’¬π·≈–μàÕ¿“…’∑–‡∫’¬π√∂¬πμå ∫√‘°“√¥â“πª√–°—π¿—¬ ‡ªìπμâπ ªí®®ÿ∫—π∫√‘…—∑¡’ “¢“ 3 “¢“ μ—ÈßÕ¬Ÿà∑’Ë®—ßÀ«—¥√–¬Õß ®—ßÀ«—¥ ¡ÿ∑√ “§√ ·≈–®—ßÀ«—¥æ‘…≥ÿ‚≈° ∫√‘…—∑¡’∫√‘…—∑¬àÕ¬ 1 ·Ààß §◊Õ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) (ç∫√‘…—∑¬àÕ¬é) ”À√—∫∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) π—Èπ °àÕπª√—∫‚§√ß √â“ß°≈ÿà¡∫√‘…—∑„π‡¥◊Õπæƒ…¿“§¡ 2547 ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π) ‡ªìπºŸâ∂◊ÕÀÿâπ„À≠à„π∫√‘…—∑ ‚¥¬∂◊ÕÀÿâπ√âÕ¬≈– 99.99 μàÕ¡“‡¡◊ËÕ∫√‘…—∑¡’·ºπ‡¢â“®¥∑–‡∫’¬π„πμ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ °≈ÿà¡ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π) ‰¥â¥”‡π‘π°“√ª√—∫‚§√ß √â“ß°“√∂◊ÕÀÿâπ‚¥¬‡¢â“∂◊ÕÀÿâπ‚¥¬μ√ß„π∫√‘…—∑·≈–¥”‡π‘π°“√„Àâ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª ‘øî§≈’ ®”°—¥ (¡À“™π) ‡¢â“‡ªìπ∫√‘…—∑¬àÕ¬¢Õß∫√‘…—∑

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∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 13

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 °≈ÿà¡≈Ÿ°§â“¢Õß∫√‘…—∑¬àÕ¬ à«π„À≠à‡ªìπºŸâª√–°Õ∫°“√∑’Ëμ—ÈßÕ¬Ÿà„π‡¢μ°√ÿß‡∑æœ ·≈–ª√‘¡≥±≈ ‚¥¬∫√‘…—∑¬àÕ¬‡πâπ„Àâ∫√‘°“√·°à°≈ÿà¡Õÿμ “À°√√¡¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡∑’Ë¡’»—°¬¿“æ„π°“√∑”°”‰√·≈–°“√‡μ‘∫‚μ ‡™àπ Õÿμ “À°√√¡‡§√◊ËÕß„™â ‰øøÑ“ Õÿμ “À°√√¡™‘Èπ à«π¬“π¬πμå ·≈–Õÿμ “À°√√¡∫√‘°“√ ‡ªìπμâπ ∑√—æ¬å ‘π∑’Ë∫√‘…—∑¬àÕ¬„Àâ ‘π‡™◊ËÕ §◊Õ ‡§√◊ËÕß®—°√ Õÿª°√≥å ¬“πæ“Àπ– ∑—Èß∑’Ë‡ªìπ‡§√◊ËÕß®—°√„À¡à ·≈–‡§√◊ËÕß®—°√„™â·≈â« ‚¥¬‡πâπ‡©æ“–‡§√◊ËÕß®—°√∑’Ë°“√‡ª≈’Ë¬π·ª≈ß∑“ß‡∑§‚π‚≈¬’‰¡à√«¥‡√Á«π—° ¡’§«“¡§ß∑π ¡’Õ“¬ÿ°“√„™âß“ππ“π ·≈–¡’ ¿“æ§≈àÕß Ÿß À√◊Õ ¬“πæ“Àπ–ª√–‡¿∑μà“ßÊ ∑—Èß√∂¬πμå„À¡à ·≈–√∂¬πμå„™â·≈â« ‰¥â·°à √∂°√–∫– √∂μŸâ ·≈–√∂∫√√∑ÿ° ‡ªìπμâπ ªí®®ÿ∫—π ∫√‘…—∑¬àÕ¬‡ªìπ ¡“™‘°¢Õß ¡“§¡≈’ ´‘Ëß·Ààßª√–‡∑»‰∑¬

3. ∏ÿ√°‘®°“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß ”À√—∫∏ÿ√°‘®°“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß ∫√‘…—∑¬àÕ¬‡√‘Ë¡„Àâ∫√‘°“√μ—Èß·μàªï 2542 °≈ÿà¡≈Ÿ°§â“ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß à«π„À≠à‡ªìπºŸâª√–°Õ∫°“√¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡∑’Ë¡’§«“¡μâÕß°“√‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π√–¬– —Èπ ·≈–ª√–°Õ∫∏ÿ√°‘®„πÕÿμ “À°√√¡∑’Ë¡’·π«‚πâ¡°“√‡μ‘∫‚μ¥’ ¡’º≈ª√–°Õ∫°“√¥’ ¡’∞“π–°“√‡ß‘π¡—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°√√¡‡§√◊ËÕß„™â‰øøÑ“ Õÿμ “À°√√¡‡§¡’¿—≥±å·≈–æ≈“ μ‘° ·≈–Õÿμ “À°√√¡∫√√®ÿ¿—≥±å ‡ªìπμâπ ≈—°…≥–°“√„Àâ∫√‘°“√¢Õß ‘π‡™◊ËÕ·ø§μÕ√‘Ëß ®”·π°‰¥â‡ªìπ 2 √Ÿª·∫∫„À≠àÊ ‰¥â·°à ‘π‡™◊ËÕ·ø§μÕ√‘Ëß¿“¬„πª√–‡∑» (Domestic Factoring) ´÷Ëß‡ªìπ°“√√—∫´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß„π°“√√—∫‡ß‘π®“°≈Ÿ°Àπ’È°“√§â“¢ÕßºŸâ¢“¬ ‘π§â“·≈–∫√‘°“√∑’Ë¡’§Ÿà§â“ (ºŸâ´◊ÈÕ) Õ¬Ÿà¿“¬„πª√–‡∑» °≈ÿà¡≈Ÿ°§â“ à«π„À≠à‡ªìπºŸâª√–°Õ∫∏ÿ√°‘®¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡„πª√–‡∑» ·≈– ‘π‡™◊ËÕ·ø§μÕ√‘Ëß√–À«à“ßª√–‡∑» (International Factoring) ´÷Ëß‡ªìπ°“√√—∫´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’È°“√§â“®“°ºŸâ¢“¬ ‘π§â“·≈–∫√‘°“√∑’Ë¡’§Ÿà§â“ (ºŸâ´◊ÈÕ) Õ¬Ÿà„πμà“ßª√–‡∑» ∑—Èßπ’È ‘π‡™◊ËÕ·ø§μÕ√‘Ëß√–À«à“ßª√–‡∑»·∫àßÕÕ°‡ªìπ 2 ª√–‡¿∑À≈—° §◊Õ - ‘π‡™◊ËÕ·ø§μÕ√‘Ëß‡æ◊ËÕ°“√π”‡¢â“ (Import Factoring)

∫√‘…—∑¬àÕ¬„Àâ∫√‘°“√°“√§È”ª√–°—π§«“¡ “¡“√∂„π°“√™”√–‡ß‘π¢ÕßºŸâ´◊ÈÕ (ºŸâπ”‡¢â“) μàÕºŸâ¢“¬∑’ËÕ¬Ÿàμà“ßª√–‡∑» À“°ºŸâπ”‡¢â“‰¡à “¡“√∂™”√–‡ß‘π§à“ ‘π§â“·≈–∫√‘°“√¿“¬À≈—ß®“°§√∫°”Àπ¥™”√– 90 «—π ∫√‘…—∑¬àÕ¬„π∞“π–ºŸâ§È”ª√–°—πμâÕß™”√–‡ß‘π§à“ ‘π§â“·≈–∫√‘°“√·∑π ‚¥¬∫√‘…—∑¬àÕ¬®–∑”°“√‰≈à‡∫’È¬®“°ºŸâ´◊ÈÕ (ºŸâπ”‡¢â“) À√◊ÕºŸâ§È”ª√–°—π¢ÕßºŸâ´◊ÈÕμàÕ‰ª „π°√≥’∑’Ë¬—ß¡’¢âÕ‚μâ·¬âß√–À«à“ßºŸâ´◊ÈÕ·≈–ºŸâ¢“¬ ∫√‘…—∑¬àÕ¬‰¡àμâÕß√—∫º‘¥™Õ∫™”√–‡ß‘π§à“ ‘π§â“·≈–∫√‘°“√®π°«à“¢âÕ‚μâ·¬âß¥—ß°≈à“«®–À¡¥‰ª

- ‘π‡™◊ËÕ·ø§μÕ√‘Ëß‡æ◊ËÕ°“√ àßÕÕ° (Export Factoring) ∫√‘…—∑¬àÕ¬‡ªìπμ—«°≈“ß„π°“√μ‘¥μàÕª√– “πß“π°—∫ºŸâ„Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß‡æ◊ËÕ°“√π”‡¢â“¢ÕßºŸâπ”‡¢â“∑’ËÕ¬Ÿàμà“ßª√–‡∑» ÷Ëß‡ªìπ∫√‘…—∑§Ÿà§â“¢ÕßºŸâ àßÕÕ°„πª√–‡∑» æ√âÕ¡∫√‘°“√μ√«® Õ∫∞“π–¢ÕßºŸâπ”‡¢â“„πμà“ßª√–‡∑»ºà“πºŸâ„Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß‡æ◊ËÕ°“√π”‡¢â“ ·≈–√—∫ª√–°—πÀπ’È ‰¡à Ÿ≠μàÕºŸâ àßÕÕ° À“°ºŸâπ”‡¢â“„πμà“ßª√–‡∑»‰¡à “¡“√∂™”√–‡ß‘π§à“ ‘π§â“·≈–∫√‘°“√¿“¬À≈—ß®“°§√∫°”Àπ¥™”√– 90 «—π ºŸâ„Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß‡æ◊ËÕ°“√π”‡¢â“¢ÕßºŸâπ”‡¢â“∑’ËÕ¬Ÿàμà“ßª√–‡∑»®–™”√–‡ß‘π§à“ ‘π§â“·≈–∫√‘°“√„Àâ∫√‘…—∑¬àÕ¬·∑π ‡æ◊ËÕπ”‰ª™”√–§à“ ‘π§â“·≈–∫√‘°“√„Àâ°—∫ºŸâ àßÕÕ°μàÕ‰ª ªí®®ÿ∫—π∫√‘…—∑¬àÕ¬‡ªìπ ¡“™‘°¢Õß ¡“§¡·ø§μÕ√‘Ëß√–À«à“ßª√–‡∑» (Factors Chain International À√◊Õ FCI)

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°“√

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„™â‡ß‘π «ß‡ß‘π ‘π‡™◊ËÕ°”Àπ¥‰«â Ÿß ÿ¥‰¡à‡°‘π√“¬≈– 300,000 ∫“∑ √–¬–‡«≈“ºàÕπ™”√–‰¡à‡°‘π 36 ß«¥ ‚¥¬¡’À≈—°ª√–°—π‡ªìπ√∂¬πμåμ“¡ —≠≠“‡™à“´◊ÈÕ ∫√‘…—∑‡√‘Ë¡„Àâ∫√‘°“√ ‘π‡™◊ËÕ à«π∫ÿ§§≈μ—Èß·μàªï 2545 πÕ°®“°π’È μ—Èß·μàª≈“¬ªï 2546 ∫√‘…—∑‡√‘Ë¡„Àâ∫√‘°“√ ‘π‡™◊ËÕ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå (Floor Plan Financing) ”À√—∫„™â‡ªìπ·À≈àß‡ß‘π∑ÿπ„π°“√®—¥´◊ÈÕ√∂¬πμå‡æ◊ËÕπ”¡“®”Àπà“¬ ·≈–‡æ◊ËÕ™à«¬‡ √‘¡ ¿“æ§≈àÕß„Àâ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå ‚¥¬∫√‘…—∑‡≈◊Õ°„Àâ°“√ π—∫ πÿπ‡©æ“–ºŸâ®—¥®”Àπà“¬√∂¬πμå∑’Ë‡ªìπºŸâ®—¥À“≈Ÿ°§â“ ‘π‡™◊ËÕ‡™à“´◊ÈÕ„Àâ·°à∫√‘…—∑ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’∫√‘°“√Õ◊ËπÊ ‰¥â·°à ∫√‘°“√®¥∑–‡∫’¬π·≈–μàÕ¿“…’∑–‡∫’¬π√∂¬πμå ·≈–°“√„Àâ∫√‘°“√¥â“πª√–°—π¿—¬ ‡ªìπμâπ ‡æ◊ËÕ°“√„Àâ∫√‘°“√Õ¬à“ß§√∫«ß®√

‚§√ß √â“ß√“¬‰¥â¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ „π√–À«à“ßªï 2552 ∂÷ß ªï 2554 “¡“√∂®”·π°‚§√ß √â“ß√“¬‰¥â¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬μ“¡ª√–‡¿∑°“√¥”‡π‘π∏ÿ√°‘®‰¥â¥—ßπ’È ª√–‡¿∑∏ÿ√°‘® ¥”‡π‘π°“√‚¥¬ ªï 2554 ªï 2553 ªï 2552 √“¬‰¥â √âÕ¬≈– √“¬‰¥â √âÕ¬≈– √“¬‰¥â √âÕ¬≈– (≈â“π∫“∑) (≈â“π∫“∑) (≈â“π∫“∑) ‘π‡™◊ËÕ‡™à“´◊ÈÕ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ 1,297.18 78.30 1,055.24 77.39 916.44 76.76 ‘π‡™◊ËÕ≈’ ´‘Ëß ∫√‘…—∑¬àÕ¬ 55.91 3.38 57.08 4.19 65.26 5.47 ‘π‡™◊ËÕ·ø§μÕ√‘Ëß ∫√‘…—∑¬àÕ¬ 88.17 5.32 65.55 4.81 65.66 5.50 √“¬‰¥âÕ◊Ëπ 1/ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ 215.49 12.97 185.63 13.61 146.44 12.27 √«¡ 1,656.75 100.00 1,363.50 100.00 1,193.80 100.00 À¡“¬‡Àμÿ 1/ √“¬‰¥âÕ◊Ëπ ‡™àπ √“¬‰¥â®“° ‘π‡™◊ËÕ à«π∫ÿ§§≈ ‘π‡™◊ËÕ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå √“¬‰¥â®“°§à“∏√√¡‡π’¬¡·≈–∫√‘°“√¥â“π∑–‡∫’¬π

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

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

ë ‡ªìπÀà«ß‚ à∑“ß°“√‡ß‘π‡æ◊ËÕ √â“ß§«“¡ ”‡√Á®·≈–§«“¡‡ªìπÕ¬Ÿà∑’Ë¥’¢Õß≈Ÿ°§â“ ë √â“ß°“√‡μ‘∫‚μ¢Õß°”‰√Õ¬à“ß¡—Ëπ§ß ®“°∏ÿ√°‘®∑’Ë∫√‘…—∑¡’§«“¡‡™’Ë¬«™“≠ ë √â“ßª√–‚¬™πå Ÿß ÿ¥·°àºŸâ¡’ à«π‰¥â‡ ’¬∑ÿ°°≈ÿà¡

«‘ —¬∑—»πå (Vision)

ë ‡ªìπ ∂“∫—π°“√‡ß‘π∑’Ë¡’§«“¡‡™’Ë¬«™“≠‡©æ“–¥â“π¥â«¬°“√‡ªìπºŸâπ”„πμ≈“¥‡©æ“–°≈ÿà¡ ∑’Ë„Àâ ‘π‡™◊ËÕ‡æ◊ËÕ°“√∫√‘‚¿§·≈– ‘π‡™◊ËÕ‡æ◊ËÕ°“√æ“≥‘™¬å ·°à∫ÿ§§≈∑—Ë«‰ª√«¡∑—Èß∏ÿ√°‘®¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡

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ë §«“¡‰¡à∑–πßμπ (Modesty) : §«“¡πÕ∫πâÕ¡∂àÕ¡μπ ®–π”‰ª Ÿà°“√æ—≤π“Õ¬à“ß √â“ß √√§å ë §«“¡‡ªìπÀπ÷Ëß‡¥’¬« (Harmony) : °“√∑”ß“π√à«¡°—π‡ªìπ∑’¡ ‡ ¡◊ÕπÀπ÷Ëß§√Õ∫§√—«‡¥’¬«°—π ë §«“¡ ◊ËÕ —μ¬å (Honesty) : °“√´◊ËÕμ√ß¥â«¬§«“¡ —μ¬å®√‘ß ë §«“¡πà“‡™◊ËÕ∂◊Õ (Credibility) : ‡ªìπ∑’Ë‰«â«“ß„®¢ÕßºŸâ∂◊ÕÀÿâπ §Ÿà§à“ ≈Ÿ°§â“ ºŸâ π—∫ πÿπ∑“ß°“√‡ß‘π æπ—°ß“π μ≈Õ¥®π∑ÿ°ΩÉ“¬∑’Ë‡°’Ë¬«¢âÕß

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1. °“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ∏ÿ√°‘®‡™à“´◊ÈÕ√∂¬πμå „πªï 2554 ∑’Ëºà“π¡“π—Èπ ¬Õ¥®”Àπà“¬√∂¬πμå„πª√–‡∑» ª√—∫μ—«≈¥≈ß‡∑à“°—∫√âÕ¬≈– 0.78 ‚¥¬¡’®”π«π‡∑à“°—∫ 794,081 ‚¥¬∏ÿ√°‘®‡™à“´◊ÈÕ√∂¬πμå°Á¡’∑‘»∑“ß‡¥’¬«°—π ∑—Èßπ’È‡ªìπº≈°√–∑∫¡“®“°§≈◊Ëπ ÷π“¡‘∑’Ëæ—¥‡¢â“ª√–‡∑»≠’ËªÿÉπ„π™à«ß‰μ√¡“ ·√° ·≈–®“°¡À“Õÿ∑°¿—¬§√—Èß„À≠à¢Õßª√–‡∑»„π™à«ß‰μ√¡“ ÿ¥∑â“¬¢Õßªï 2554 ´÷Ëß àßº≈„Àâ‡»√…∞°‘®‰∑¬‡μ‘∫‚μ≈¥≈ß®“°∑’Ë§“¥°“√≥å‰«â‚¥¬¢¬“¬μ—«‡æ’¬ß√âÕ¬≈– 0.1 Õ¬à“ß‰√°Áμ“¡„πªï 2555 ∏ÿ√°‘®‡™à“´◊ÈÕ√∂¬πμå§“¥«à“πà“®–¢¬“¬μ—«‰¥âμ“¡°“√¢¬“¬μ—«¢ÕßÕÿμ “À°√√¡√∂¬πμå´÷Ëß‰¥â√—∫°“√§“¥°“√≥å«à“®–¢¬“¬μ—«‰¥â∂÷ß√âÕ¬≈– 38 ®“°ªï 2554 ¥â«¬¬Õ¥¢“¬√∂¬πμåª√–¡“≥ 1.1 ≈â“π§—π Õ—π‡ªìπº≈¡“®“°¬Õ¥§«“¡μâÕß°“√∑’Ë¬—ß§ß§â“ßÕ¬Ÿà √«¡∑—Èß§«“¡μâÕß°“√„À¡à∑’Ë¬—ß¡’Õ¬ŸàÕ¬à“ßμàÕ‡π◊ËÕß ÷Ëß®–∑”„Àâ°“√·¢àß¢—π„π∏ÿ√°‘® ∑—Èß¥â“π√“§“ ·≈–‚ª√‚¡™—Ëπμà“ßÊ ∑—Èßπ’È‡æ◊ËÕæ¬“¬“¡√—°…“ à«π·∫àß°“√μ≈“¥‡¥‘¡∑’Ë¡’Õ¬Ÿà ·≈–æ¬“¬“¡·¬àß™‘ß à«π·∫àßμ≈“¥„À¡à„π à«π∑’Ë‡æ‘Ë¡¢÷Èπ

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2. ¡’Õ”π“®æ‘®“√≥“Õπÿ¡—μ‘°“√„Àâ ‘π‡™◊ËÕ (Credit Approval) §à“„™â®à“¬∑—Ë«‰ª∑’ËΩÉ“¬∫√‘À“√¬—ß‰¡à¡’π‚¬∫“¬°”Àπ¥‰«â (Non-Policy Expenses) ·≈–°“√®—¥ ◊ÈÕ °“√¢“¬∑√—æ¬å ‘π∑’ËΩÉ“¬∫√‘À“√¬—ß‰¡à¡’π‚¬∫“¬°”Àπ¥‰«âÀ√◊Õ∑’Ë¡‘„™à‡ªìπ∏ÿ√°√√¡ª°μ‘ (Buying & Selling of Non-Policy Assets) °“√®—¥∑”·ºπ∏ÿ√°‘®·≈–ß∫ª√–¡“≥ª√–®”ªï¢Õß∫√‘…—∑ μ≈Õ¥®ππ‚¬∫“¬À√◊Õ°“√∫√‘À“√ß“πÕ◊Ëπ„¥∑’ËΩÉ“¬∫√‘À“√¬—ß‰¡à‰¥â°”Àπ¥‰«âÀ√◊Õ∑’ËÕ¬ŸàπÕ°¢Õ∫Õ”π“®¢Õß§≥–°√√¡°“√∫√‘À“√ ´÷Ëß‰¥â‡ πÕ‡æ◊ËÕ¢ÕÕπÿ¡—μ‘‚¥¬§≥–°√√¡°“√∫√‘À“√ ∑—Èßπ’È¿“¬„πÕ”π“® ·≈–/À√◊Õ«ß‡ß‘π∑’Ë§≥–°√√¡°“√∫√‘…—∑‰¥â√—∫Õπÿ¡—μ‘®“°∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ

3. §≥–°√√¡°“√Õ“®·μàßμ—Èß°√√¡°“√ ·≈–/À√◊Õ ºŸâ∫√‘À“√®”π«πÀπ÷Ëßμ“¡∑’Ë‡ÀÁπ ¡§«√‚¥¬„Àâ¡’Õ”π“®Àπâ“∑’Ë∫√‘À“√®—¥°“√∫√‘…—∑μ“¡∑’Ë‰¥â√—∫¡Õ∫À¡“¬®“°§≥–°√√¡°“√∫√‘…—∑°Á‰¥â‡«âπ·μà®–¡’¢âÕ∫—ß§—∫¢Õß∫√‘…—∑°”Àπ¥Àâ“¡‰¡à„Àâ§≥–°√√¡°“√¡’Õ”π“®¥—ß°≈à“«√–∫ÿ‰«â‚¥¬™—¥·®âß

4. °√√¡°“√μâÕß‰¡àª√–°Õ∫°‘®°“√Õ—π¡’ ¿“æÕ¬à“ß‡¥’¬«°—π·≈–‡ªìπ°“√·¢àß¢—π°—∫°‘®°“√¢Õß∫√‘…—∑ À√◊Õ‡¢â“‡ªìπÀÿâπ à«π„πÀâ“ßÀÿâπ à«π “¡—≠À√◊Õ‡ªìπÀÿâπ à«π‰¡à®”°—¥§«“¡√—∫º‘¥„πÀâ“ßÀÿâπ à«π®”°—¥ À√◊Õ‡ªìπ°√√¡°“√¢Õß∫√‘…—∑‡Õ°™πÀ√◊Õ∫√‘…—∑¡À“™π®”°—¥Õ◊Ëπ„¥∑’Ëª√–°Õ∫°‘®°“√Õ—π¡’ ¿“æÕ¬à“ß‡¥’¬«°—π ·≈–‡ªìπ°“√·¢àß¢—π°—∫°‘®°“√¢Õß∫√‘…—∑‰¡à«à“‡æ◊ËÕª√–‚¬™πå¢Õß°√√¡°“√π—Èπ‡ÕßÀ√◊Õª√–‚¬™πå¢ÕßºŸâÕ◊Ëπ‡«âπ·μà‰¥â·®âß„Àâ∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ∑√“∫°àÕπ∑’Ë®–¡’¡μ‘·μàßμ—Èß°√√¡°“√ºŸâπ—Èπ

5. °√√¡°“√μâÕß·®âß„Àâ∫√‘…—∑∑√“∫‚¥¬‰¡à™—°™â“ „π°√≥’∑’Ë°√√¡°“√¡’ à«π‰¥â‡ ’¬‰¡à«à“‚¥¬μ√ßÀ√◊Õ‚¥¬ÕâÕ¡„π —≠≠“„¥Ê ∑’Ë∫√‘…—∑∑”¢÷Èπ√–À«à“ß√Õ∫ªï∫—≠™’ ‚¥¬√–∫ÿ¢âÕ‡∑Á®®√‘ß‡°’Ë¬«°—∫≈—°…≥–¢Õß —≠≠“ §Ÿà —≠≠“ ·≈– à«π‰¥â‡ ’¬¢Õß°√√¡°“√„π —≠≠“π—ÈπÀ√◊Õ„π°√≥’∑’Ë°√√¡°“√∂◊ÕÀÿâπÀ√◊ÕÀÿâπ°ŸâÀ√◊ÕÀ≈—°∑√—æ¬åÕ◊Ëπ„¥„π∫√‘…—∑À√◊Õ∫√‘…—∑„π‡§√◊Õ‡æ‘Ë¡¢÷ÈπÀ√◊Õ≈¥≈ß„π√–À«à“ß√Õ∫ªï∫—≠™’

6. °√√¡°“√∑’Ë¡’ à«π‰¥â‡ ’¬„π‡√◊ËÕß„¥‡√◊ËÕßÀπ÷Ëß‰¡à¡’ ‘∑∏‘ÕÕ°‡ ’¬ß≈ß§–·ππ„π‡√◊ËÕßπ—Èπ 7. „π°√≥’∑’Ë°“√≈ß¡μ‘„π∑’Ëª√–™ÿ¡¡’§–·ππ‡ ’¬ß‡∑à“°—π„Àâª√–∏“π„π∑’Ëª√–™ÿ¡¡’‡ ’¬ß‡æ‘Ë¡¢÷ÈπÕ’°Àπ÷Ëß‡ ’¬ß‡ªìπ‡ ’¬ß™’È¢“¥ 8. °”Àπ¥„Àâ∫√‘…—∑¡’√–∫∫°“√§«∫§ÿ¡·≈–μ√«® Õ∫¿“¬„π∑’Ë¡’ª√– ‘∑∏‘¿“æ·≈–ª√– ‘∑∏‘º≈‚¥¬®—¥„Àâ¡’ΩÉ“¬μ√«® Õ∫¿“¬„π

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ª√–™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 ¡§«√

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§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‡Õ° “¢“∫√‘À“√∏ÿ√°‘® University of Michigan, U.S.A. ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫—π ª√–∏“π°√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2542 - ªí®®ÿ∫—π ª√–∏“π°√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2542 - ªí®®ÿ∫—π ª√–∏“π°√√¡°“√/ ª√–∏“π°√√¡°“√∫√‘À“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 2552 - 2553 ª√–∏“π°√√¡°“√°‘μμ‘¡»—°¥‘Ï ∫√‘…—∑ ¬Ÿ‡π’Ë¬πæ≈“ μ‘° ®”°—¥ (¡À“™π) 2552 - 2553 ª√–∏“π°√√¡°“√°‘μμ‘¡»—°¥‘Ï ∫√‘…—∑ ¬Ÿ‡π’Ë¬π‡∑§‚π‚≈¬’Ë (2008) ®”°—¥ (¡À“™π) 2552 - 2553 ª√–∏“π°√√¡°“√°‘μμ‘¡»—°¥‘Ï ∫√‘…—∑ ¬Ÿ‡π’Ë¬π‰æ‚Õ‡π’¬√å ®”°—¥ (¡À“™π) 2552 - 2553 ª√–∏“π°√√¡°“√°‘μμ‘¡»—°¥‘Ï ∫√‘…—∑ À¬Ÿ‡π’Ë¬π ®”°—¥ (¡À“™π) 2552 - 2553 ª√–∏“π°√√¡°“√°‘μμ‘¡»—°¥‘Ï ∫√‘…—∑ ¬Ÿ‡π’Ë¬πÕÿμ “À°√√¡ ‘Ëß∑Õ ®”°—¥ (¡À“™π) 2542 - 2552 ª√–∏“π°√√¡°“√°‘μμ‘¡»—°¥‘Ï ∫√‘…—∑ ªŸπ´’‡¡πμå‡Õ‡´’¬ ®”°—¥ (¡À“™π) 2550 - 2551 ª√–∏“π°√√¡°“√ ∫√‘…—∑ ¬Ÿ‡π’Ë¬πæ≈“ μ‘° ®”°—¥ (¡À“™π) 2550 - 2551 ª√–∏“π°√√¡°“√ ∫√‘…—∑ ¬Ÿ‡π’Ë¬π‡∑§‚π‚≈¬’Ë (2008) ®”°—¥ (¡À“™π) 2550 - 2551 ª√–∏“π°√√¡°“√ ∫√‘…—∑ ¬Ÿ‡π’Ë¬π‰æ‚Õ‡π’¬√å ®”°—¥ (¡À“™π) 2545 - 2551 ª√–∏“π°√√¡°“√ ∫√‘…—∑ À¬Ÿ‡π’Ë¬π ®”°—¥ (¡À“™π) 2545 - 2551 ª√–∏“π°√√¡°“√ ∫√‘…—∑ ¬Ÿ‡π’Ë¬πÕÿμ “À°√√¡ ‘Ëß∑Õ ®”°—¥ (¡À“™π) °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 18/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 925,600 Àÿâπ) π“¬‚≈ ®ÿπ ≈Õß √Õßª√–∏“π°√√¡°“√/ √Õßª√–∏“π°√√¡°“√∫√‘À“√/ °√√¡°“√ºŸâ®—¥°“√

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“∫√‘À“√∏ÿ√°‘® University of Santa Clara, U.S.A. ª√– ∫°“√≥å∑”ß“π 2555 - ªí®®ÿ∫—π √Õßª√–∏“π°√√¡°“√/ √Õßª√–∏“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) 2547 - 2555 °√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 22/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 180,050 Àÿâπ)

24 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

π“¬‡∑’¬π∑«’ √–μ—πμ‘Ï °√√¡°“√∫√‘À“√ §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“°“√®—¥°“√ Arthur D. Little Management Education Institute, U.S.A. ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫—π °√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2547 - ªí®®ÿ∫—π °√√¡°“√∫√‘À“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 2542 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 2535 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2548 - 2552 √Õßª√–∏“π°√√¡°“√ ¡“§¡‡™à“´◊ÈÕ‰∑¬ 2549 - 2551 √Õß°√√¡°“√ºŸâ®—¥°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 22/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ≈¥≈ß 189,400 Àÿâπ (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 0 Àÿâπ) π“¬‡™π ¬‘ß Œÿ¬ °√√¡°“√∫√‘À“√

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“∫√‘À“√∏ÿ√°‘® National Central University, Taiwan R.O.C. ª√– ∫°“√≥å∑”ß“π 2549 - ªí®®ÿ∫—π °√√¡°“√ / °√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2549 - ªí®®ÿ∫—π °√√¡°“√ / °√√¡°“√∫√‘À“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 2549 - ªí®®ÿ∫—π ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ªÕ“«ÿ‚ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 2549 - ªí®®ÿ∫—π Senior Vice President, Chailease Finance Co., Ltd. 2544 - 2549 Executive Vice President, Chailease Consumer Finance Co., Ltd. °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 57/2549 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 132/2553 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ‰¡à¡’

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 25

π“¬‡≈’Ë¬« Õ‘ß ®◊ÈÕ °√√¡°“√ (‡¢â“¥”√ßμ”·Àπàß«—π∑’Ë 11 æƒ»®‘°“¬π 2554) §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‡Õ° Ph.D. Candidate, Harvard University, U.S.A. ª√– ∫°“√≥å∑”ß“π 2554 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2554 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 2555 - ªí®®ÿ∫—π Chief Strategy Officer, Chailease Holding Co., Ltd. 2554 - 2554 Chief Legal Officer, Chailease Holding Co., Ltd. 2549 - 2553 Senior Executive Vice President, Financial One Corp. 2551 - 2552 °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2551 - 2552 °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ‰¡à¡’ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ‰¡à¡’ π“¬‡™π øß ≈Õß °√√¡°“√

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“°“√®—¥°“√ Massachusetts Institute of Technology (MIT), U.S.A. ª√– ∫°“√≥å∑”ß“π 2542 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2542 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 2554 - ªí®®ÿ∫—π Chairman & President, Fina Finance and Trading Co., Ltd. 2554 - ªí®®ÿ∫—π Chairman & President, China Leasing Co., Ltd. 2554 - ªí®®ÿ∫—π Chairman, Chailease Insurance Brokers Co., Ltd. 2554 - ªí®®ÿ∫—π President, Chailease Holding Co., Ltd. 2552 - ªí®®ÿ∫—π Chairman and President, Chailease Consumer Finance Co., Ltd. 2551 - ªí®®ÿ∫—π Chairman, Chailease Auto Service Co., Ltd. 2551 - ªí®®ÿ∫—π Chairman, Chailease International Corp. 2550 - ªí®®ÿ∫—π Chairman, Chailease Finance Co., Ltd. 2550 - ªí®®ÿ∫—π Director, Grand Pacific Holdings Corp. 2550 - ªí®®ÿ∫—π Chairman and President, Chailease International Finance Co., Ltd. 2549 - ªí®®ÿ∫—π Chairman of Control Committee, Chailease International Leasing Co., Ltd. (Vietnam) 2545 - ªí®®ÿ∫—π President, Chailease Finance Co., Ltd. 2543 - ªí®®ÿ∫—π Director, Chailease Consumer Finance Co., Ltd. °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ‰¡à¡’ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 231,400 Àÿâπ)

26 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

π“¬À≈‘« ‡®’¬ ‡®’¬ß °√√¡°“√ §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“∫√‘À“√∏ÿ√°‘® Sloan School of MIT, U.S.A ª√– ∫°“√≥å∑”ß“π 2552 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2552 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 2554 - ªí®®ÿ∫—π Chief Financial Officer, Chailease Holding Co., Ltd. 2554 - ªí®®ÿ∫—π Chairman, Apex Credit Solutions Inc. 2552 - ªí®®ÿ∫—π Director/ Senior Executive Vice President, Chailease Finance Co., Ltd. 2552 - ªí®®ÿ∫—π Chairman and Director, Chailease International Leasing Co., Ltd. 2552 - ªí®®ÿ∫—π °√√¡°“√, Grand Pacific Holdings Corp. 2552 - ªí®®ÿ∫—π °√√¡°“√, Chailease International (Malaysia) Co., Ltd. 2552 - 2554 Chief Financial Officer/ Executive Director, Financial One Corp. 2552 - 2552 Supervisor, Chailease Auto Service Co., Ltd. 2552 - 2552 Supervisor, My Fleet Co., Ltd. 2547 - 2551 President, Grand Pacific Credit Co., Ltd. °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ‰¡à¡’ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ‰¡à¡’ π“ßªØ‘¡“ ™«≈‘μ °√√¡°“√

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“μ√’ “¢“∑ƒ…Æ’∫—≠™’ ®ÿÃ“≈ß°√≥å¡À“«‘∑¬“≈—¬ ª√– ∫°“√≥å∑”ß“π 2536 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2542 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 2551 - ªí®®ÿ∫—π Senior Vice President “¬∑√—æ¬“°√∫ÿ§§≈ ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 2548 - 2551 Senior Vice President ΩÉ“¬ºŸâ®—¥°“√„À≠à ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 2544 - 2548 °√√¡°“√/ ºŸâ™à«¬°√√¡°“√ºŸâÕ”π«¬°“√ ∫√‘…—∑‡ß‘π∑ÿπ ∫—«À≈«ß ®”°—¥ °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 161,400 Àÿâπ)

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 27

π“¬ª√–¥‘…∞ »«— μπ“ππ∑å ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“∫√‘À“√∏ÿ√°‘® Central State University, Oklahoma, U.S.A. ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫—π ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2547 - ªí®®ÿ∫—π °√√¡°“√Õ‘ √–/ °√√¡°“√μ√«® Õ∫ ∫√‘…—∑ ‰∑¬øî≈å¡ Õ‘π¥— ∑√’ ®”°—¥ (¡À“™π) 2543 - ªí®®ÿ∫—π °√√¡°“√Õ‘ √–/ °√√¡°“√μ√«® Õ∫ ∫√‘…—∑À≈—°∑√—æ¬å ‡§®’‰Õ ®”°—¥ (¡À“™π) 2548 - 2549 ∑’Ëª√÷°…“§≥–°√√¡“∏‘°“√°“√æ—≤π“‡»√…∞°‘® ¿“ºŸâ·∑π√“…Æ√ 2546 - 2549 °√√¡°“√ ∫√‘…—∑ »Ÿπ¬å√—∫Ω“°À≈—°∑√—æ¬å (ª√–‡∑»‰∑¬) ®”°—¥ 2544 - 2549 π—°«‘™“°“√ª√–®” §≥–°√√¡“∏‘°“√°“√‡ß‘π °“√§≈—ß °“√∏π“§“√œ ¿“ºŸâ·∑π√“…Æ√ °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 3/2543 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ Improving the Quality of Financial Reporting √ÿàπ∑’Ë 4/2549 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ Monitoring the Quality of Financial Reporting √ÿàπ∑’Ë 5/2550 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ Monitoring the Internal Audit Function √ÿàπ∑’Ë 5/2551 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ Monitoring the System of Internal Control and Risk Management √ÿàπ∑’Ë 2/2551 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ Role of the Compensation Committee √ÿàπ∑’Ë 6/2551 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ Chief Financial Officer Certification Program √ÿàπ∑’Ë 1/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ Audit Committee Program √ÿàπ∑’Ë 3/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 60,000 Àÿâπ) π“¬Õπ—πμå »«— μπ“ππ∑å °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √–

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ Commerce Course, The Institute of Foreign Languages Business Development & Management Course, U.S.A. ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫—π °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2541 - ªí®®ÿ∫—π Executive Vice Chairman, Shanghai Kinghill Co., Ltd. Pudong P.R.O.C. 2541 - ªí®®ÿ∫—π °√√¡°“√ºŸâ®—¥°“√, Star of Andaman Co., Ltd. °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 38/2548 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 50,000 Àÿâπ)

28 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

√». ¥√. ÿª√’¬“ §«√‡¥™–§ÿªμå °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‡Õ° “¢“‡»√…∞»“ μ√å University of Hawaii, U.S.A. ª√– ∫°“√≥å∑”ß“π 2549 - ªí®®ÿ∫—π °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2553 - ªí®®ÿ∫—π °√√¡°“√ §≥–°√√¡°“√ ≈“°°‘π·∫àß√—∞∫“≈ 2550 - ªí®®ÿ∫—π ª√–∏“π “¢“«‘™“‡»√…∞»“ μ√å∏ÿ√°‘® §≥–‡»√…∞»“ μ√å ¡À“«‘∑¬“≈—¬‡°…μ√»“ μ√å 2529 - ªí®®ÿ∫—π √Õß»“ μ√“®“√¬å ¿“§«‘™“‡»√…∞»“ μ√å §≥–‡»√…∞»“ μ√å ¡À“«‘∑¬“≈—¬‡°…μ√»“ μ√å °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 56/2549 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 97/2550 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ Financial Statements for Directors √ÿàπ∑’Ë 10/2553 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ °“√°”°—∫¥Ÿ·≈°‘®°“√ ”À√—∫°√√¡°“√·≈–ºŸâ∫√‘À“√√–¥—∫ Ÿß ¢Õß√—∞«‘ “À°‘®·≈–Õß§å°“√¡À“™π √ÿàπ∑’Ë 7 ®“° ∂“∫—πæ—≤π“°√√¡°“√·≈– ºŸâ∫√‘À“√√–¥—∫ Ÿß¿“§√—∞ ∂“∫—πæ√–ª°‡°≈â“ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 60,000 Àÿâπ) √«¡°“√∂◊ÕÀ≈—°∑√—æ¬å‚¥¬ºŸâ‡°’Ë¬«¢âÕß π“¬‡°…¡ Õ“§‡π¬å ÿ«√√≥ °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √–

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“∫—≠™’ Roosevelt University, U.S.A. ª√– ∫°“√≥å∑”ß“π 2552 - ªí®®ÿ∫—π °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2543 - ªí®®ÿ∫—π °√√¡°“√ BNH Medical Center Co., Ltd. 2540 - ªí®®ÿ∫—π Assistant Vice President- Finance ∫√‘…—∑ ∫“ß°Õ°·Õ√å‡«¬å ®”°—¥ °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 79/2552 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 127/2553 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ‰¡à¡’

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 29

π“¬»√“¬ÿ∑∏å ¢“«≈–‡Õ’¬¥ ºŸâ®—¥°“√∑—Ë«‰ª §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“μ√’ “¢“°“√μ≈“¥ ¡À“«‘∑¬“≈—¬∏√√¡»“ μ√å ª√– ∫°“√≥å∑”ß“π 2549 - ªí®®ÿ∫—π ºŸâ®—¥°“√∑—Ë«‰ª ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2552 - ªí®®ÿ∫—π °√√¡°“√ ¡“§¡‡™à“´◊ÈÕ‰∑¬ 2537 - 2549 ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ª ΩÉ“¬§«∫§ÿ¡ ‘π‡™◊ËÕ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 132/2553 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ≈¥≈ß®”π«π 94,000 Àÿâπ (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 32,800 Àÿâπ) π“¬¥π—¬ ≈“¿“«‘«—≤πå À—«Àπâ“‡®â“Àπâ“∑’Ë∫—≠™’·≈–°“√‡ß‘π/ ‡≈¢“πÿ°“√§≥–°√√¡°“√

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“°“√‡ß‘π San Diego State University, U.S.A. ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫—π ‡≈¢“πÿ°“√§≥–°√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2546 - ªí®®ÿ∫—π À—«Àπâ“‡®â“Àπâ“∑’Ë∫—≠™’·≈–°“√‡ß‘π ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2546 - ªí®®ÿ∫—π À—«Àπâ“‡®â“Àπâ“∑’Ë∫—≠™’·≈–°“√‡ß‘π ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 89,080 Àÿâπ) π“¬»√“¬ÿ∑∏å ™—¬ «— ¥‘Ï À—«Àπâ“‡®â“Àπâ“∑’Ë “√ π‡∑»/ √—°…“°“√À—«Àπâ“‡®â“Àπâ“∑’Ë∏ÿ√°“√

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“§Õ¡æ‘«‡μÕ√å ∂“∫—π∫—≥±‘μæ—≤π∫√‘À“√»“ μ√å ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫—π √—°…“°“√À—«Àπâ“‡®â“Àπâ“∑’Ë∏ÿ√°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2545 - ªí®®ÿ∫—π À—«Àπâ“‡®â“Àπâ“∑’Ë “√ π‡∑» ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 55,000 Àÿâπ) π“¬™π¡åæ‘‡™∞ μ—πμ‘°‘μμ‘¿‘≠‚≠ ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ªÕ“«ÿ‚

§ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“μ√’ “¢“‡»√…∞»“ μ√å ¡À“«‘∑¬“≈—¬∏√√¡»“ μ√å ª√– ∫°“√≥å∑”ß“π 2549 - ªí®®ÿ∫—π ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ªÕ“«ÿ‚ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2545 - 2549 ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ª ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 132/2553 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2554 ‡∑’¬∫°—∫ªï 2553 ‡æ‘Ë¡¢÷Èπ®”π«π 9,700 Àÿâπ (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 150,000 Àÿâπ)

30 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

°“√ √√À“§≥–°√√¡°“√·≈–ºŸâ∫√‘À“√ ∫√‘…—∑‰¡à¡’§≥–°√√¡°“√ √√À“‡æ◊ËÕ§—¥‡≈◊Õ°∫ÿ§§≈∑’Ë®–‡¢â“¥”√ßμ”·Àπàß‡ªìπ°√√¡°“√·≈–ºŸâ∫√‘À“√ °“√§—¥‡≈◊Õ°„™â«‘∏’æ‘®“√≥“√à«¡°—π√–À«à“ß§≥–°√√¡°“√∫√‘…—∑·≈–§≥–°√√¡°“√μ√«® Õ∫ ‚¥¬∫ÿ§§≈∑’Ë®–‡¢â“¡“¥”√ßμ”·Àπàß°√√¡°“√À√◊ÕºŸâ∫√‘À“√¢Õß∫√‘…—∑μâÕß‡ªìπºŸâ∑’Ë‰¡à¡’≈—°…≥–μâÕßÀâ“¡μ“¡°ÆÀ¡“¬ ·≈–°“√§—¥‡≈◊Õ°°√√¡°“√®–æ‘®“√≥“μ“¡∑’Ë “√– ”§—≠¢Õß¢âÕ∫—ß§—∫¢Õß∫√‘…—∑‰¥â°”Àπ¥‰«â ∑—Èßπ’È∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ‡ªìπºŸâÕπÿ¡—μ‘°“√·μàßμ—Èß·≈–°”Àπ¥§à“μÕ∫·∑π¢Õß§≥–°√√¡°“√ ·≈–§≥–°√√¡°“√∫√‘À“√‡ªìπºŸâÕπÿ¡—μ‘°“√·μàßμ—Èß·≈–°”Àπ¥§à“μÕ∫·∑πºŸâ∫√‘À“√

§à“μÕ∫·∑π°√√¡°“√ °√√¡°“√∫√‘À“√ ·≈–ºŸâ∫√‘À“√ §à“μÕ∫·∑π∑’Ë‡ªìπμ—«‡ß‘π 1. §à“μÕ∫·∑π°√√√¡°“√

„πªï 2554 §à“μÕ∫·∑π°√√¡°“√¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ª√–°Õ∫¥â«¬ §à“μÕ∫·∑πª√–®” §à“‡∫’È¬ª√–™ÿ¡·≈–‚∫π— ´÷Ëß‰¥â√—∫Õπÿ¡—μ‘®“°∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ ¥—ßπ’È

®”π«π §à“μÕ∫·∑π §à“‡∫’È¬ª√–™ÿ¡ ‚∫π— √“¬‡¥◊Õπ (∫“∑μàÕ§√—Èß) (º≈ª√–°Õ∫°“√ ªï 2553) 1. ª√–∏“π°√√¡°“√/ ª√–∏“π°√√¡°“√∫√‘À“√ 1 40,000 - - 2. ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 1 40,000 6,000 135,000 3. °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 3 30,000 6,000 90,000 4. °√√¡°“√∑’Ë‰¡à‡ªìπºŸâ∫√‘À“√ 1 30,000 6,000 45,000 5. °√√¡°“√∫√‘À“√ 6 20,000 - -

§à“μÕ∫·∑π°√√¡°“√ ”À√—∫ªï 2554 ¡’√“¬≈–‡Õ’¬¥¥—ßπ’È

™◊ËÕ μ”·Àπàß §à“μÕ∫·∑πª√–®” §à“‡∫’È¬ª√–™ÿ¡ ‚∫π— (∫“∑) (∫“∑) (∫“∑) ¥√. Õ”π«¬ «’√«√√≥ ª√–∏“π°√√¡°“√/ ª√–∏“π°√√¡°“√∫√‘À“√ 390,000 - - π“¬‚≈ ®ÿπ ≈Õß °√√¡°“√∫√‘À“√/ °√√¡°“√ºŸâ®—¥°“√ 210,000 - - π“¬‡∑’¬π∑«’ √–μ—πμ‘Ï °√√¡°“√∫√‘À“√ 210,000 - - π“¬‡™π ¬‘ß Œÿ¬ °√√¡°“√∫√‘À“√ 210,000 - - π“¬‡≈’Ë¬« Õ‘ß ®◊ÈÕ °√√¡°“√ 40,000 - - π“¬‡™π øß ≈Õß °√√¡°“√ 210,000 - - π“¬À≈‘« ‡®’¬ ‡®’¬ß °√√¡°“√ 210,000 - - π“ßªØ‘¡“ ™«≈‘μ °√√¡°“√ 300,000 36,000 45,000 π“¬ª√–¥‘…∞ »«— μπ“ππ∑å ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 450,000 36,000 135,000 π“¬Õπ—πμå »«— μπ“ππ∑å °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 330,000 18,000 90,000 √». ¥√. ÿª√’¬“ §«√‡¥™–§ÿªμå °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 330,000 36,000 90,000 π“¬‡°…¡ Õ“§‡π¬å ÿ«√√≥ °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 330,000 36,000 90,000 π“¬Œ«ß ‡™ß À¡‘ß °√√¡°“√ (≈“ÕÕ°) 170,000 - - √«¡ 3,390,000 162,000 450,000

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 31

2. §à“μÕ∫·∑πºŸâ∫√‘À“√ „πªï 2554 §à“μÕ∫·∑πºŸâ∫√‘À“√¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ®”π«π√«¡ 8 ∑à“π ª√–°Õ∫¥â«¬ ‡ß‘π‡¥◊Õπ ‚∫π— ‡ß‘π ¡∑∫°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ ‡ß‘πª√–°—π —ß§¡ ·≈–º≈μÕ∫·∑πÕ◊ËπÊ ‚¥¬ “¡“√∂®”·π°‡ªìπ ‡ß‘π‡¥◊Õπ·≈–‚∫π— ®”π«π 43.68 ≈â“π∫“∑ ·≈–‡ß‘π ¡∑∫°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ ‡ß‘πª√–°—π —ß§¡ √«¡∑—Èßº≈μÕ∫·∑πÕ◊Ëπ ®”π«π 2.57 ≈â“π∫“∑ √«¡§à“μÕ∫·∑π°√√¡°“√∫√‘À“√·≈–ºŸâ∫√‘À“√∑’Ë‡ªìπμ—«‡ß‘π√«¡ 46.25 ≈â“π∫“∑

§à“μÕ∫·∑πÕ◊Ëπ -‰¡à¡’- °“√∂◊Õ§√ÕßÀ≈—°∑√—æ¬å¢Õß°√√¡°“√·≈–ºŸâ∫√‘À“√ ™◊ËÕ Àÿâπ “¡—≠ (Àÿâπ) Àÿâπ “¡—≠ (Àÿâπ)

≥ ‘Èπªï 2554 ≥ ‘Èπªï 2553 ‡ª≈’Ë¬π·ª≈ß ≥ ‘Èπªï 2554 ≥ ‘Èπªï 2553 ‡ª≈’Ë¬π·ª≈ß °√√¡°“√ °√√¡°“√

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

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

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

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

π“¬‡≈’Ë¬« Õ‘ß ®◊ÈÕ - - - √». ¥√. ÿª√’¬“ §«√‡¥™–§ÿªμå* 60,000 60,000 -

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

ºŸâ∫√‘À“√ ºŸâ∫√‘À“√

π“¬»√“¬ÿ∑∏å ¢“«≈–‡Õ’¬¥ 32,800 126,800 (94,000) π“¬»√“¬ÿ∑∏å ™—¬ «— ¥‘Ï 55,000 55,000 -

π“¬¥π—¬ ≈“¿“«‘«—≤πå 89,080 89,080 - π“¬™π¡åæ‘‡™∞ μ—πμ‘°‘μμ‘¿‘≠‚≠ 150,000 140,300 9,700 * √«¡°“√∂◊ÕÀ≈—°∑√—æ¬å‚¥¬ºŸâ‡°’Ë¬«¢âÕß

À≈—°°“√°”°—∫¥Ÿ·≈°‘®°“√∑’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¥ ‚¥¬∑’Ë§≥–°√√¡°“√∫√‘…—∑¡’π‚¬∫“¬°“√ªØ‘∫—μ‘μ“¡¢âÕæ÷ßªØ‘∫—μ‘∑’Ë¥’ (Code of 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¢Õß°“√∫√‘À“√Õ—π®–π”‰ª Ÿà°“√ √â“ß§«“¡‡™◊ËÕ¡—Ëπ„Àâ‡°‘¥¢÷Èπ·°àºŸâ∂◊ÕÀÿâπ ºŸâ≈ß∑ÿπ ·≈–ºŸâ∑’Ë‡°’Ë¬«¢âÕß∑ÿ°ΩÉ“¬‰¥â ∑—Èßπ’È ∫√‘…—∑‰¥â°”Àπ¥°“√°”°—∫¥Ÿ·≈°‘®°“√∑’Ë¥’¥—ßμàÕ‰ªπ’È 1) ‘∑∏‘¢ÕßºŸâ∂◊ÕÀÿâπ

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32 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

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º≈°“√¥”‡π‘πß“π √“¬‰¥â „πªï 2554 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’√“¬‰¥â√«¡‡∑à“°—∫ 1,656.75 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 21.51 ®“°ªï 2553 ÷Ëß¡’√“¬‰¥â√«¡ ‡∑à“°—∫ 1,363.50 ≈â“π∫“∑ ‚¥¬¡’√“¬‰¥âÀ≈—°®“°¥Õ°º≈‡™à“´◊ÈÕ §‘¥‡ªìπ√âÕ¬≈– 78.30 ¢Õß√“¬‰¥â√«¡ °“√ª√—∫μ—«‡æ‘Ë¡¢÷Èπ¥—ß°≈à“«‡ªìπº≈¡“®“°°“√¢¬“¬μ—«¢ÕßæÕ√åμ¢Õß ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πμå ‚¥¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ√∂¬πμå (°àÕπÀ—°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠) ≥ ‘Èπªï 2554 ‡∑à“°—∫ 16,124.25 ≈â“π∫“∑ ª√—∫μ—«‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 16.77 ®“°®”π«π 13,808.32 ≈â“π∫“∑ ≥ ‘Èπªï 2553 ”À√—∫√“¬‰¥â®“° —≠≠“‡™à“°“√‡ß‘π„πªï 2554 π—Èπ ¡’ —¥ à«π√âÕ¬≈– 3.37 ¢Õß√“¬‰¥â√«¡ ´÷Ëß¡’®”π«π‡∑à“°—∫ 55.91 ≈â“π∫“∑ ‚¥¬ª√—∫μ—«≈¥≈ß√âÕ¬≈– 2.05 ®“°®”π«π 57.08 ≈â“π∫“∑„πªï 2553 ‡π◊ËÕß®“°„πªï∑’Ëºà“π¡“∫√‘…—∑¬àÕ¬¡’π‚¬∫“¬¢¬“¬°“√„Àâ ‘π‡™◊ËÕÕ¬à“ß√–¡—¥√–«—ß √“¬‰¥â®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß„πªï 2554 ´÷Ëß§‘¥‡ªìπ —¥ à«π√âÕ¬≈– 5.32 ¢Õß√“¬‰¥â√«¡¡’®”π«π‡∑à“°—∫ 88.17 ≈â“π∫“∑ À√◊Õª√—∫μ—«‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 34.51 ®“°®”π«π 65.55 ≈â“π∫“∑„πªï 2553 ∫√‘…—∑¬àÕ¬¢¬“¬°“√„Àâ ‘π‡™◊ËÕμ“¡ ¿“«–‡»√…∞°‘®∑’Ëøóôπμ—« ∑”„Àâ¡’§«“¡μâÕß°“√„™â‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π®“°≈Ÿ°§â“‡æ‘Ë¡¢÷Èπ πÕ°®“°π’È ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¬—ß¡’√“¬‰¥âÕ◊Ëπ®“° ‘π‡™◊ËÕ à«π∫ÿ§§≈ ‘π‡™◊ËÕ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå √“¬‰¥â®“°‡ß‘π„Àâ °Ÿâ¬◊¡ √“¬‰¥â§à“ª√—∫≈à“™â“ √“¬‰¥â®“°°“√·π–π”≈Ÿ°§â“‡°’Ë¬«°—∫¥â“πª√–°—π¿—¬ ‡ªìπμâπ ‚¥¬„πªï 2554 √“¬‰¥âÕ◊Ëπ¡’®”π«π‡∑à“°—∫ 215.49 ≈â“π∫“∑ À√◊Õª√—∫μ—«‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 16.08 ®“°®”π«π‡∑à“°—∫ 185.63 ≈â“π∫“∑„πªï 2553 “‡ÀμÿÀ≈—°¡“®“°°“√‡æ‘Ë¡¢÷Èπ¢Õß√“¬‰¥â®“°°“√·π–π”≈Ÿ°§â“‡°’Ë¬«°—∫¥â“πª√–°—π¿—¬´÷Ëß‡μ‘∫‚μμ“¡æÕ√åμ ‘π‡™◊ËÕ¢Õß∫√‘…—∑ ‚¥¬‡μ‘∫‚μ®“°®”π«π 79.31 ≈â“π∫“∑ „πªï 2553 ·≈–‡æ‘Ë¡¢÷Èπ ‡ªìπ 97.94 ≈â“π∫“∑„πªï 2554 À√◊Õ¢¬“¬μ—«„πÕ—μ√“√âÕ¬≈– 23.49 ®“°ªï 2553

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§à“„™â®à“¬ §à“„™â®à“¬√«¡ (√«¡Àπ’È Ÿ≠·≈–Àπ’È ß —¬®– Ÿ≠ §à“„™â®à“¬∑“ß°“√‡ß‘π·≈–¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈) ¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬„πªï 2554 ¡’®”π«π 1,325.21 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 23.45 ®“°®”π«π 1,073.49 ≈â“π∫“∑„πªï 2553 ¥—ßπ’È §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ „πªï 2554 §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ ¡’®”π«π‡∑à“°—∫ 486.83 ≈â“π∫“∑ §‘¥‡ªìπ√âÕ¬≈– 36.74 ¢Õß§à“„™â®à“¬√«¡ ·≈–‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 16.45 ®“°®”π«π 417.67 ≈â“π∫“∑„πªï 2553 §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ à«π„À≠à ª√–°Õ∫¥â«¬ ‡ß‘π‡¥◊Õπ ‚∫π— ·≈–§à“„™â®à“¬æπ—°ß“π ´÷Ëß§‘¥‡ªìπ√âÕ¬≈– 25.17 ¢Õß§à“„™â®à“¬√«¡ à«πÀπ’È Ÿ≠·≈–§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ¡’®”π«π 58.70 ≈â“π∫“∑ §‘¥‡ªìπ√âÕ¬≈– 4.43 ¢Õß§à“„™â®à“¬√«¡ §à“„™â®à“¬∑“ß°“√‡ß‘π §à“„™â®à“¬∑“ß°“√‡ß‘π‡ªìπμâπ∑ÿπÀ≈—°„π°“√¥”‡π‘π∏ÿ√°‘®¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ „πªï 2554 ¡’®”π«π‡∑à“°—∫ 624.36 ≈â“π∫“∑ §‘¥‡ªìπ√âÕ¬≈– 47.11 ¢Õß§à“„™â®à“¬√«¡ ‚¥¬‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 35.90 ®“°®”π«π 459.42 ≈â“π∫“∑„πªï 2553 ‡π◊ËÕß®“°ª√‘¡“≥‡ß‘π°Ÿâ¬◊¡∑’Ë‡æ‘Ë¡¡“°¢÷ÈπÕ—π‡ªìπº≈¡“®“°æÕ√åμ ‘π‡™◊ËÕ¢¬“¬μ—« ¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈ „πªï 2554 ¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈¡’®”π«π 155.33 ≈â“π∫“∑ À√◊Õ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 45.34 ®“°®”π«π 106.87 ≈â“π∫“∑„πªï 2553 ‡ªìπº≈¡“®“°°”‰√°àÕπ¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈∑’Ë‡æ‘Ë¡ Ÿß¢÷Èπ ·≈–®“°°“√∑’Ë ‘∑∏‘ª√–‚¬™πå∑“ß¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈ ®“°°“√‡ªìπ∫√‘…—∑®¥∑–‡∫’¬π„πμ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ ÷Ëß‡ ’¬„πÕ—μ√“√âÕ¬≈– 25 ‡ªìπ√–¬–‡«≈“ 5 √Õ∫∫—≠™’ μ—Èß·μà√Õ∫∫—≠™’ªï 2549 -2553 ‰¥âÀ¡¥≈ß ·≈–∑”„Àâ∫√‘…—∑‡ ’¬¿“…’„πÕ—μ√“ª°μ‘√âÕ¬≈– 30 μ—Èß·μàªï 2554 °”‰√ ÿ∑∏‘ „πªï 2554 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’°”‰√ ÿ∑∏‘À≈—ßÀ—°¿“…’‡∑à“°—∫ 331.54 ≈â“π∫“∑ À√◊Õ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 14.32 ®“°®”π«π 290.02 ≈â“π∫“∑„πªï 2553 °”‰√μàÕÀÿâπ‡æ‘Ë¡¢÷Èπ®“° 1.26 ∫“∑μàÕÀÿâπ„πªï 2553 ‡ªìπ 1.44 ∫“∑μàÕÀÿâπ„πªï 2554 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’Õ—μ√“°”‰√ ÿ∑∏‘·≈–Õ—μ√“º≈μÕ∫·∑πμàÕºŸâ∂◊ÕÀÿâπ ”À√—∫ªï 2554 ∑’Ë√âÕ¬≈– 20.01 ·≈–√âÕ¬≈– 16.58 ‡ª√’¬∫‡∑’¬∫°—∫ªï 2553 ∑’Ë√âÕ¬≈– 21.27 ·≈–√âÕ¬≈– 15.48 μ“¡≈”¥—∫

∞“π–∑“ß°“√‡ß‘π ‘π∑√—æ¬å ≥ ‘Èπªï 2554 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’ ‘π∑√—æ¬å√«¡‡∑à“°—∫ 18,214.88 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 18.32 ®“°®”π«π 15,394.84 ≈â“π∫“∑ ≥ ‘Èπªï 2553 ‚¥¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ÿ∑∏‘ ´÷Ëß‡ªìπ ‘π∑√—æ¬åÀ≈—°¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ §‘¥‡ªìπ —¥ à«π√âÕ¬≈– 87.77 ¢Õß ‘π∑√—æ¬å√«¡ ≥ ‘Èπªï 2554 ®“°°“√∑’Ë∫√‘…—∑¡’ª√– ‘∑∏‘¿“æ„π°“√®—¥‡°Á∫Àπ’È∑’Ë¥’√«¡∑—Èß º≈®“°°“√μ—¥Àπ’È Ÿ≠ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’ ‘π‡™◊ËÕ∑’Ë‰¡à°àÕ„Àâ‡°‘¥√“¬‰¥â (NPLs) ≥ ‘Èπªï 2554 ¡’®”π«π‡∑à“°—∫ 75.14 ≈â“π∫“∑ À√◊Õ‡∑à“°—∫√âÕ¬≈– 0.42 ¢Õß¬Õ¥≈Ÿ°Àπ’È√«¡ (°àÕπÀ—° §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠) πÕ°®“°π’ÈÕ—μ√“ à«π§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ μàÕ ‘π‡™◊ËÕ∑’Ë‰¡à°àÕ„Àâ‡°‘¥√“¬‰¥â (NPLs) Õ¬Ÿà„πÕ—μ√“ Ÿß∂÷ß√âÕ¬≈– 252.52 –∑âÕπ∂÷ß§«“¡‡æ’¬ßæÕ¢Õß°“√μ—Èß ”√Õß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ Àπ’È ‘π ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’Àπ’È ‘π√«¡ ≥ ‘Èπªï 2554 ‡∑à“°—∫ 16,168.93 ≈â“π∫“∑ ‚¥¬¡’‡ß‘π°Ÿâ¬◊¡√«¡ 15,768.57 ≈â“π∫“∑ ´÷Ëßª√–°Õ∫¥â«¬‡ß‘π°Ÿâ¬◊¡√–¬– —Èπª√–‡¿∑ ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß √«¡∑—Èß‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ®”π«π√«¡ 8,769.26 ≈â“π∫“∑ À√◊Õ§‘¥‡ªìπ√âÕ¬≈– 55.61 ¢Õß‡ß‘π°Ÿâ¬◊¡√«¡ ‚¥¬∫√‘…—∑®–¥”√ß —¥ à«π‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπμàÕ‡ß‘π°Ÿâ√–¬–¬“«„π —¥ à«π∑’Ë‡À¡“– ¡μ“¡ ∂“π°“√≥å·π«‚πâ¡Õ—μ√“ ¥Õ°‡∫’È¬ ´÷Ëß∑”„Àâ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ “¡“√∂∫√‘À“√μâπ∑ÿπ∑“ß°“√‡ß‘πÕ¬à“ß¡’ª√– ‘∑∏‘¿“æ

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 45

ª√–‡¿∑Àπ’È ‘π ≥ «—π∑’Ë 31 ∏.§. 2554 ®”π«π‡ß‘π (≈â“π∫“∑) √âÕ¬≈– (%)

‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π 2,898.91 18.38

- ‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘π∑’Ë‡°’Ë¬«¢âÕß°—π 18.91 0.12

- ‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘πÕ◊Ëπ 2,880.00 18.26

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„π 1 ªï 300.00 1.90

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“° ∂“∫—π°“√‡ß‘π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„π 1 ªï 1,300.00 8.24

‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ 4,270.35 27.09

√«¡‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ 8,769.26 55.61

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π- ÿ∑∏‘®“° à«π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„π 1 ªï 2,000.00 12.68

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“° ∂“∫—π°“√‡ß‘π- ÿ∑∏‘®“° à«π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„π 1 ªï 4,300.00 27.27

Àÿâπ°Ÿâ™π‘¥‰¡à¡’ª√–°—π 699.31 4.44

√«¡‡ß‘π°Ÿâ¬◊¡√–¬–¬“« 6,999.31 44.39

‡ß‘π°Ÿâ¬◊¡√«¡ 15,768.57 100.00 ¿“æ§≈àÕß ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 °”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 8,806.71 8,134.05 ‡°‘π°«à“ 1 ªï ·μà‰¡à‡°‘π 2 ªï 7,000.00 5,549.29 ‡°‘π°«à“ 2 ªï ·μà‰¡à‡°‘π 3 ªï - 3,754.46 ‡°‘π°«à“ 3 ªï - 2,566.67 ≈Ÿ°Àπ’ÈÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â - 80.60

√«¡ 15,806.71 20,084.70

®“° à«πμà“ß√–À«à“ß§à“ß«¥∑’Ë®–‰¥â√—∫™”√–¿“¬„π 1 ªï ·≈–°”Àπ¥™”√–§◊πÀπ’È‡ß‘π°Ÿâ¬◊¡¿“¬„π 1 ªï ®”π«π 672.66 ≈â“π∫“∑¢â“ßμâπ Õ“®°≈à“«‰¥â«à“ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬‰¡à¡’º≈°√–∑∫„π‡√◊ËÕß ¿“æ§≈àÕß∑“ß°“√‡ß‘π ‡π◊ËÕß®“° ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¬—ß¡’«ß‡ß‘π ‘π‡™◊ËÕ§ß‡À≈◊Õ®“° ∂“∫—π°“√‡ß‘πÕ◊ËπÕ’°ª√–¡“≥ 4,712 ≈â“π∫“∑‰«â ”√Õß ·≈–®“°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√–‡∑» ´÷Ëß –∑âÕπ„Àâ‡ÀÁπ∂÷ß§«“¡πà“‡™◊ËÕ∂◊Õ·≈–§«“¡‡æ’¬ßæÕ¢Õß ¿“æ§≈àÕß∑“ß°“√‡ß‘π¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ Õ¬à“ß‰√°Áμ“¡ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¬—ß§ßª√—∫ª√ÿß‚§√ß √â“ß·À≈àß∑’Ë¡“¢Õß‡ß‘π∑ÿπ„Àâ‡À¡“– ¡¢÷Èπ ‚¥¬®–ª√—∫‡ª≈’Ë¬π —¥ à«π°“√°Ÿâ¬◊¡‡ß‘π√–¬– —ÈπμàÕ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«„Àâ‡À¡“– ¡μ“¡ ∂“π°“√≥å·π«‚πâ¡Õ—μ√“¥Õ°‡∫’È¬ ‡æ◊ËÕ√—°…“ à«πμà“ßÕ—μ√“¥Õ°‡∫’È¬‰¡à„Àâº—πº«π¡“° √«¡∂÷ß¡’π‚¬∫“¬°√–®“¬§«“¡‡ ’Ë¬ß„π‡√◊ËÕß¢Õß·À≈àß‡ß‘π∑ÿπ·À≈àß„À¡àπÕ°®“°‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘π ‡™àπ ºà“πμ≈“¥μ√“ “√Àπ’È ·≈–μ√“ “√∑ÿπ ‡ªìπμâπ

46 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

à«π¢ÕßºŸâ∂◊ÕÀÿâπ ≥ ‘Èπªï 2554 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’ à«π¢ÕßºŸâ∂◊ÕÀÿâπ‡∑à“°—∫ 2,045.95 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 4.79 ®“°®”π«π 1,952.34 ≈â“π∫“∑ ≥ ‘Èπªï 2553 ‚¥¬¡’∑ÿπ™”√–·≈â«®”π«π 1,150 ≈â“π∫“∑·≈–¡’°”‰√ – ¡‡∑à“°—∫ 750.57 ≈â“π∫“∑ ∑—Èßπ’Èªí®®—¬À≈—°∑’Ë∑”„Àâ à«π¢ÕßºŸâ∂◊ÕÀÿâπ‡æ‘Ë¡¢÷Èπ‡°‘¥¢÷Èπ®“°°”‰√ ÿ∑∏‘¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ §à“μÕ∫·∑π¢ÕßºŸâ Õ∫∫—≠™’ „πªï 2554 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬®à“¬§à“μÕ∫·∑π¢ÕßºŸâ Õ∫∫—≠™’ ¥—ßπ’È

1. §à“μÕ∫·∑π®“°°“√ Õ∫∫—≠™’ „Àâ·°à - ”π—°ß“πºŸâ Õ∫∫—≠™’ „π√Õ∫∫—≠™’∑’Ëºà“π¡“¡’®”π«π√«¡ 2,900,000 ∫“∑ - ∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—∫ºŸâ Õ∫∫—≠™’·≈– ”π—°ß“π Õ∫∫—≠™’∑’ËºŸâ Õ∫∫—≠™’ —ß°—¥„π√Õ∫∫—≠™’∑’Ëºà“π¡“

®”π«π√«¡ 0 ∫“∑ 2. §à“∫√‘°“√Õ◊Ëπ

∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬®à“¬§à“μÕ∫·∑π¢Õßß“π∫√‘°“√Õ◊Ëπ ´÷Ëß‰¥â·°à §à“„™â®à“¬„π°“√®—¥ àß‡Õ° “√ §à“‡¥‘π∑“ß §à“„™â®à“¬Õ◊ËπÊ ‡ªìπμâπ „Àâ·°à - ”π—°ß“πºŸâ Õ∫∫—≠™’¢Õß∫√‘…—∑ „π√Õ∫∫—≠™’∑’Ëºà“π¡“®”π«π√«¡ 10,545 ∫“∑ - ∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—∫ºŸâ Õ∫∫—≠™’·≈– ”π—°ß“π Õ∫∫—≠™’∑’ËºŸâ Õ∫∫—≠™’ —ß°—¥ „π√Õ∫∫—≠™’∑’Ëºà“π¡“

®”π«π√«¡ 0 ∫“∑

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 47

[ √“¬ß“π¢ÕßºŸâ Õ∫∫—≠™’√—∫Õπÿ≠“μ ]

‡ πÕμàÕºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ‘Ëß ®”°—¥ (¡À“™π) ¢â“æ‡®â“‰¥âμ√«® Õ∫ß∫· ¥ß∞“π–°“√‡ß‘π√«¡ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ß∫°”‰√¢“¥∑ÿπ‡∫Á¥‡ √Á®√«¡ ß∫· ¥ß°“√‡ª≈’Ë¬π·ª≈ß à«π¢ÕßºŸâ∂◊ÕÀÿâπ√«¡·≈–ß∫°√–· ‡ß‘π ¥√«¡ ”À√—∫ªï ‘Èπ ÿ¥«—π‡¥’¬«°—π¢Õß·μà≈–ªï¢Õß∫√‘…—∑ ‡Õ‡ ’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬ ·≈–‰¥âμ√«® Õ∫ß∫°“√‡ß‘π‡©æ“–°‘®°“√¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ¥â«¬‡™àπ°—π ÷ËßºŸâ∫√‘À“√¢Õß°‘®°“√‡ªìπºŸâ√—∫º‘¥™Õ∫μàÕ§«“¡∂Ÿ°μâÕß·≈–§√∫∂â«π¢Õß¢âÕ¡Ÿ≈„πß∫°“√‡ß‘π‡À≈à“π’È à«π¢â“æ‡®â“‡ªìπºŸâ√—∫º‘¥™Õ∫„π°“√· ¥ß§«“¡‡ÀÁπμàÕß∫°“√‡ß‘π¥—ß°≈à“«®“°º≈°“√μ√«® Õ∫¢Õß¢â“æ‡®â“ ¢â“æ‡®â“‰¥âªØ‘∫—μ‘ß“πμ√«® Õ∫μ“¡¡“μ√∞“π°“√ Õ∫∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª ´÷Ëß°”Àπ¥„Àâ¢â“æ‡®â“μâÕß«“ß·ºπ·≈–ªØ‘∫—μ‘ß“π‡æ◊ËÕ„Àâ ‰¥â§«“¡‡™◊ËÕ¡—ËπÕ¬à“ß¡’‡Àμÿº≈«à“ß∫°“√‡ß‘π· ¥ß¢âÕ¡Ÿ≈∑’Ë¢—¥μàÕ¢âÕ‡∑Á®®√‘ßÕ—π‡ªìπ “√– ”§—≠À√◊Õ‰¡à °“√μ√«® Õ∫√«¡∂÷ß°“√„™â«‘∏’°“√∑¥ Õ∫À≈—°∞“πª√–°Õ∫√“¬°“√∑—Èß∑’Ë‡ªìπ®”π«π‡ß‘π·≈–°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈„πß∫°“√‡ß‘π °“√ª√–‡¡‘π§«“¡‡À¡“– ¡¢ÕßÀ≈—°°“√∫—≠™’∑’Ë°‘®°“√„™â·≈–ª√–¡“≥°“√‡°’Ë¬«°—∫√“¬°“√∑“ß°“√‡ß‘π∑’Ë‡ªìπ “√– ”§—≠ ´÷ËßºŸâ∫√‘À“√‡ªìπºŸâ®—¥∑”¢÷Èπ μ≈Õ¥®π°“√ª√–‡¡‘π∂÷ß§«“¡‡À¡“– ¡¢Õß°“√· ¥ß√“¬°“√∑’Ëπ”‡ πÕ„πß∫°“√‡ß‘π‚¥¬√«¡ ¢â“æ‡®â“‡™◊ËÕ«à“°“√μ√«® Õ∫¥—ß°≈à“«„Àâ¢âÕ √ÿª∑’Ë‡ªìπ‡°≥±åÕ¬à“ß‡À¡“– ¡„π°“√· ¥ß§«“¡‡ÀÁπ¢Õß¢â“æ‡®â“ ¢â“æ‡®â“‡ÀÁπ«à“ ß∫°“√‡ß‘π¢â“ßμâππ’È· ¥ß∞“π–°“√‡ß‘π ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 º≈°“√¥”‡π‘πß“π·≈–°√–· ‡ß‘π ¥ ”À√—∫ªï ‘Èπ ÿ¥«—π‡¥’¬«°—π¢Õß·μà≈–ªï¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬ ·≈–‡©æ“–¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ‘Ëß ®”°—¥ (¡À“™π) ‚¥¬∂Ÿ°μâÕßμ“¡∑’Ë§«√„π “√– ”§—≠μ“¡À≈—°°“√∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª ‚¥¬¡‘‰¥â‡ªìπ°“√· ¥ß§«“¡‡ÀÁπÕ¬à“ß¡’‡ß◊ËÕπ‰¢μàÕß∫°“√‡ß‘π¢â“ßμâπ ¢â“æ‡®â“¢Õ„Àâ —ß‡°μÀ¡“¬‡Àμÿª√–°Õ∫ß∫°“√‡ß‘π¢âÕ 3 „π√–À«à“ßªïªí®®ÿ∫—π ∫√‘…—∑œ‰¥âªØ‘∫—μ‘μ“¡¡“μ√∞“π°“√∫—≠™’©∫—∫ª√—∫ª√ÿß·≈–¡“μ√∞“π°“√∫—≠™’„À¡à∑’ËÕÕ°‚¥¬ ¿“«‘™“™’æ∫—≠™’‡æ◊ËÕ®—¥∑”·≈–π”‡ πÕß∫°“√‡ß‘ππ’È ™¬æ≈ »ÿ¿‡»√…∞ππ∑å ºŸâ Õ∫∫—≠™’√—∫Õπÿ≠“μ ‡≈¢∑–‡∫’¬π 3972 ∫√‘…—∑ ”π—°ß“π ‡Õ‘π å∑ ·Õπ¥å ¬—ß ®”°—¥ °√ÿß‡∑æœ: 15 °ÿ¡¿“æ—π∏å 2555

48 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ À¡“¬‡Àμÿ 2554 2553 2554 2553 ‘π∑√—æ¬å

‘π∑√—æ¬åÀ¡ÿπ‡«’¬π

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ 8, 25, 26 439,988,696 128,063,925 407,854,452 28,274,345

‡ß‘π≈ß∑ÿπ™—Ë«§√“« 2,720,250 1,857,375 2,720,250 1,857,375

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 9 5,745,863,479 4,948,338,231 5,180,799,214 4,466,363,750

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 10 297,619,918 292,525,757 - -

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 11 831,170,503 678,296,044 - -

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 12 44,467,105 22,145,011 44,467,105 17,957,288

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —Èπ·°à°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π 25 - - 845,000,000 -

‘π∑√—æ¬å√Õ°“√¢“¬ 14 24,137,601 22,133,034 22,332,002 12,900,598

‘π∑√—æ¬åÀ¡ÿπ‡«’¬πÕ◊Ëπ 151,017,521 179,638,961 90,776,145 126,525,867

√«¡ ‘π∑√—æ¬åÀ¡ÿπ‡«’¬π 7,536,985,073 6,272,998,338 6,593,949,168 4,653,879,223

‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬π

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï 9 10,242,107,039 8,741,168,887 9,680,062,653 8,359,711,323

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï 10 319,333,511 289,087,792 - -

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï 12 15,367,314 - 15,367,314 -

‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬ 15 - - 446,913,607 446,913,607

‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ 16 311,040 284,160 - -

∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å 17 49,786,458 41,868,386 46,920,612 38,367,077

‘π∑√—æ¬å‰¡à¡’μ—«μπ 18 24,373,830 24,461,407 19,796,222 20,367,674

‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ 19 26,618,469 24,970,309 5,181,258 4,556,059

√«¡ ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬π 10,677,897,661 9,121,840,941 10,214,241,666 8,869,915,740

√«¡ ‘π∑√—æ¬å 18,214,882,734 15,394,839,279 16,808,190,834 13,523,794,963

[ ß∫· ¥ß∞“π–°“√‡ß‘π ]

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

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

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 49

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ À¡“¬‡Àμÿ 2554 2553 2554 2553 Àπ’È ‘π·≈– à«π¢ÕßºŸâ∂◊ÕÀÿâπ

Àπ’È ‘πÀ¡ÿπ‡«’¬π

‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∏π“§“√ 20, 25 2,898,910,365 2,749,799,387 2,578,910,365 1,906,300,314

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π 25 - 60,000,000 - -

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

∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 25 300,000,000 - - -

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√

∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 22 1,300,000,000 1,500,000,000 1,300,000,000 1,500,000,000

‡®â“Àπ’È∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π 25 483,534 521,918 372,575 372,575

‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ 21 4,270,345,981 2,958,708,181 4,163,435,522 2,948,720,600

¿“…’‡ß‘π‰¥â§â“ß®à“¬ 76,423,116 54,877,722 64,301,823 43,076,011

Àπ’È ‘πÀ¡ÿπ‡«’¬πÕ◊Ëπ 280,762,928 239,747,372 199,655,040 156,728,724

√«¡Àπ’È ‘πÀ¡ÿπ‡«’¬π 9,126,925,924 7,563,654,580 8,306,675,325 6,555,198,224

Àπ’È ‘π‰¡àÀ¡ÿπ‡«’¬π

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

- ÿ∑∏‘®“° à«π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 25 2,000,000,000 2,300,000,000 1,500,000,000 1,500,000,000

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√

- ÿ∑∏‘®“° à«π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï 22 4,300,000,000 2,880,000,000 4,300,000,000 2,880,000,000

Àÿâπ°Ÿâ™π‘¥‰¡à¡’ª√–°—π 23, 25 699,314,416 698,848,175 699,314,416 698,848,175

”√Õßº≈ª√–‚¬™πå√–¬–¬“«¢Õßæπ—°ß“π 24 42,694,072 - 36,286,141 -

√«¡Àπ’È ‘π‰¡àÀ¡ÿπ‡«’¬π 7,042,008,488 5,878,848,175 6,535,600,557 5,078,848,175

√«¡Àπ’È ‘π 16,168,934,412 13,442,502,755 14,842,275,882 11,634,046,399

[ ß∫· ¥ß∞“π–°“√‡ß‘π (μàÕ) ]


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

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553

50 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ À¡“¬‡Àμÿ 2554 2553 2554 2553 à«π¢ÕßºŸâ∂◊ÕÀÿâπ

∑ÿπ‡√◊ÕπÀÿâπ

∑ÿπ®¥∑–‡∫’¬π

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

∑ÿπ∑’ËÕÕ°·≈–™”√–·≈â«

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

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

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

°”‰√ – ¡

®—¥ √√·≈â« - ”√Õßμ“¡°ÆÀ¡“¬ 27 76,702,710 61,251,128 76,702,710 61,251,128

¬—ß‰¡à‰¥â®—¥ √√ 673,872,159 595,711,943 598,026,792 537,311,986

√«¡ à«π¢ÕßºŸâ∂◊ÕÀÿâπ 2,045,948,322 1,952,336,524 1,965,914,952 1,889,748,564

√«¡Àπ’È ‘π·≈– à«π¢ÕßºŸâ∂◊ÕÀÿâπ 18,214,882,734 15,394,839,279 16,808,190,834 13,523,794,963

[ ß∫· ¥ß∞“π–°“√‡ß‘π (μàÕ) ]


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

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 51

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ À¡“¬‡Àμÿ 2554 2553 2554 2553 √“¬‰¥â

√“¬‰¥â®“°¥Õ°º≈‡™à“´◊ÈÕ 1,297,181,717 1,055,238,248 1,202,933,139 978,080,756

√“¬‰¥â®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 88,163,275 65,546,048 - -

√“¬‰¥â®“° —≠≠“‡™à“°“√‡ß‘π 55,909,995 57,084,431 - -

√“¬‰¥â¥Õ°‡∫’È¬‡ß‘π„Àâ°Ÿâ¬◊¡ 25 5,549,688 3,090,773 25,257,681 2,529,195

√“¬‰¥â®“°§à“ª√—∫≈à“™â“ 43,796,203 47,259,443 40,270,077 44,473,924

√“¬‰¥â®“°°“√·π–π”≈Ÿ°§â“‡°’Ë¬«°—∫ª√–°—π¿—¬ 97,944,946 79,311,540 93,505,020 76,355,760

‡ß‘πªíπº≈√—∫ 55,575 49,725 17,595,569 6,627,223

√“¬‰¥âÕ◊Ëπ 68,143,923 55,924,062 58,544,100 54,993,716

√«¡√“¬‰¥â 1,656,745,322 1,363,504,270 1,438,105,586 1,163,060,574

§à“„™â®à“¬

§à“„™â®à“¬„π°“√¢“¬ 107,901,953 89,914,100 87,536,006 72,611,992

§à“„™â®à“¬„π°“√∫√‘À“√ 378,925,158 327,756,452 300,237,125 259,495,144

Àπ’È Ÿ≠·≈–Àπ’È ß —¬®– Ÿ≠ 58,697,048 89,517,678 48,448,165 63,359,139

√«¡§à“„™â®à“¬ 545,524,159 507,188,230 436,221,296 395,466,275

°”‰√°àÕπ§à“„™â®à“¬∑“ß°“√‡ß‘π·≈–¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈ 1,111,221,163 856,316,040 1,001,884,290 767,594,299

§à“„™â®à“¬∑“ß°“√‡ß‘π 25 (624,356,599) (459,422,918) (562,359,555) (401,456,074)

°”‰√°àÕπ¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈ 486,864,564 396,893,122 439,524,735 366,138,225

¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈ (155,327,691) (106,874,131) (130,493,109) (88,110,152)

°”‰√ ”À√—∫ªï 331,536,873 290,018,991 309,031,626 278,028,073

°”‰√¢“¥∑ÿπ‡∫Á¥‡ √Á®Õ◊Ëπ ”À√—∫ªï - - - -

°”‰√¢“¥∑ÿπ‡∫Á¥‡ √Á®√«¡ ”À√—∫ªï 331,536,873 290,018,991 309,031,626 278,028,073

°”‰√μàÕÀÿâπ¢—Èπæ◊Èπ∞“π 29

°”‰√ ÿ∑∏‘ 1.44 1.26 1.34 1.21

[ ß∫°”‰√¢“¥∑ÿπ‡∫Á¥‡ √Á® ]


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

”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553

52 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡

º≈μà“ß °”‰√ – ¡

∑ÿπ‡√◊ÕπÀÿâπ ®“°°“√ª√—∫ ®—¥ √√·≈â« -

∑’ËÕÕ°·≈– à«π‡°‘π ‚§√ß √â“ß ”√Õßμ“¡ ¬—ß‰¡à‰¥â

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

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

°”‰√¢“¥∑ÿπ‡∫Á¥‡ √Á®√«¡ ”À√—∫ªï - - - - 290,018,991 290,018,991

”√Õßμ“¡°ÆÀ¡“¬ - - - 13,901,403 (13,901,403) -

‡ß‘πªíπº≈®à“¬ 33 - - - - (133,400,000) (133,400,000)

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2553 1,150,000,000 141,185,450 4,188,003 61,251,128 595,711,943 1,952,336,524

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2553 1,150,000,000 141,185,450 4,188,003 61,251,128 595,711,943 1,952,336,524

º≈ – ¡®“°°“√‡ª≈’Ë¬π·ª≈ßπ‚¬∫“¬

°“√∫—≠™’‡°’Ë¬«°—∫º≈ª√–‚¬™πå

æπ—°ß“π 5 - - - - (35,525,075) (35,525,075)

°”‰√¢“¥∑ÿπ‡∫Á¥‡ √Á®√«¡ ”À√—∫ªï - - - - 331,536,873 331,536,873

”√Õßμ“¡°ÆÀ¡“¬ - - - 15,451,582 (15,451,582) -

‡ß‘πªíπº≈®à“¬ 33 - - - - (202,400,000) (202,400,000)

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 1,150,000,000 141,185,450 4,188,003 76,702,710 673,872,159 2,045,948,322

[ ß∫· ¥ß°“√‡ª≈’Ë¬π·ª≈ß à«π¢ÕßºŸâ∂◊ÕÀÿâπ ]


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

”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 53

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√

°”‰√ – ¡

∑ÿπ‡√◊ÕπÀÿâπ ®—¥ √√·≈â« -

∑’ËÕÕ°·≈– à«π‡°‘π ”√Õßμ“¡ ¬—ß‰¡à‰¥â

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

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

°”‰√¢“¥∑ÿπ‡∫Á¥‡ √Á®√«¡ ”À√—∫ªï - - - 278,028,073 278,028,073

”√Õßμ“¡°ÆÀ¡“¬ - - 13,901,403 (13,901,403) -

‡ß‘πªíπº≈®à“¬ 33 - - - (133,400,000) (133,400,000)

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2553 1,150,000,000 141,185,450 61,251,128 537,311,986 1,889,748,564

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2553 1,150,000,000 141,185,450 61,251,128 537,311,986 1,889,748,564

º≈ – ¡®“°°“√‡ª≈’Ë¬π·ª≈ßπ‚¬∫“¬

°“√∫—≠™’‡°’Ë¬«°—∫º≈ª√–‚¬™πåæπ—°ß“π 5 (30,465,238) (30,465,238)

°”‰√¢“¥∑ÿπ‡∫Á¥‡ √Á®√«¡ ”À√—∫ªï - - - 309,031,626 309,031,626

”√Õßμ“¡°ÆÀ¡“¬ - - 15,451,582 (15,451,582) -

‡ß‘πªíπº≈®à“¬ 33 - - - (202,400,000) (202,400,000)

¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 1,150,000,000 141,185,450 76,702,710 598,026,792 1,965,914,952

[ ß∫· ¥ß°“√‡ª≈’Ë¬π·ª≈ß à«π¢ÕßºŸâ∂◊ÕÀÿâπ ]


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

”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553

54 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2554 2553 2554 2553 °√–· ‡ß‘π ¥®“°°‘®°√√¡¥”‡π‘πß“π

°”‰√°àÕπ¿“…’ 486,864,564 396,893,122 439,524,735 366,138,225

√“¬°“√ª√—∫°√–∑∫¬Õ¥°”‰√°àÕπ¿“…’‡ªìπ‡ß‘π ¥√—∫ (®à“¬)

®“°°‘®°√√¡¥”‡π‘πß“π:

Àπ’È Ÿ≠·≈–§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ 58,697,048 89,517,678 48,448,165 63,359,139

§à“‡º◊ËÕ°“√≈¥¡Ÿ≈§à“¢Õß ‘π∑√—æ¬å√Õ°“√¢“¬ (‚Õπ°≈—∫) 593,219 (4,202,727) (1,560,282) (7,499,246)

§à“‡º◊ËÕ°“√≈¥¡Ÿ≈§à“¢Õß‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ (‚Õπ°≈—∫) (26,880) 14,080 - -

§à“‡ ◊ËÕ¡√“§“ 14,869,299 13,981,248 12,660,047 10,704,547

§à“μ—¥®”Àπà“¬ ‘π∑√—æ¬å‰¡à¡’μ—«μπ 2,725,361 2,334,485 2,355,650 2,241,285

§à“μ—¥®”Àπà“¬Õÿª°√≥å - 80 - 64

”√Õßº≈ª√–‚¬™πå√–¬–¬“«¢Õßæπ—°ß“π 7,168,997 - 5,820,903 -

°”‰√®“°°“√ª√—∫¡Ÿ≈§à“‡ß‘π≈ß∑ÿπ (862,875) (131,625) (862,875) (131,625)

°”‰√®“°°“√¢“¬Õÿª°√≥å·≈–¬“πæ“Àπ– (994,501) (1,162,137) (684,713) (1,162,137)

√“¬‰¥â¥Õ°‡∫’È¬ (1,428,155,540) (1,165,544,548) (1,228,190,820) (980,609,952)

§à“„™â®à“¬¥Õ°‡∫’È¬ 621,231,543 455,745,993 559,944,636 398,887,706

‡ß‘πªíπº≈√—∫ (55,575) (49,725) (17,595,569) (6,627,223)

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

·≈–Àπ’È ‘π¥”‡π‘πß“π (237,945,340) (212,604,076) (180,140,123) (154,699,217)

‘π∑√—æ¬å¥”‡π‘πß“π (‡æ‘Ë¡¢÷Èπ) ≈¥≈ß

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ (2,316,345,131) (2,894,870,101) (2,054,003,168) (2,673,637,367)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π (25,068,917) 28,514,610 - -

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß (154,370,570) (52,644,189) - -

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ (38,789,854) 7,377,008 (43,011,349) 3,636,574

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —Èπ·°à°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π - - (845,000,000) -

‘π∑√—æ¬å√Õ°“√¢“¬ (6,556,058) 7,885,095 (11,829,395) 6,306,701

‘π∑√—æ¬åÀ¡ÿπ‡«’¬πÕ◊Ëπ 33,304,455 (66,719,784) 37,178,403 (35,310,746)

‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ (35,242,405) (54,056,487) (12,901,347) (36,752,776)

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Àπ’È ‘πÀ¡ÿπ‡«’¬πÕ◊Ëπ 26,881,024 36,343,801 29,585,425 5,856,793

‡ß‘π ¥„™â ‰ª„π°‘®°√√¡¥”‡π‘πß“π (2,754,132,796) (3,205,810,212) (3,080,121,554) (2,888,721,604)

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¥Õ°‡∫’È¬®à“¬ (627,387,321) (460,926,172) (562,839,199) (404,165,516)

®à“¬¿“…’‡ß‘π‰¥â (133,976,290) (99,539,817) (109,339,069) (79,570,023)

‡ß‘π ¥ ÿ∑∏‘„™â‰ª„π°‘®°√√¡¥”‡π‘πß“π (2,105,311,128) (2,586,243,249) (2,540,812,445) (2,379,566,115)

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‡ß‘πªíπº≈√—∫ 55,575 49,725 17,595,569 6,627,223

‡ß‘π ¥ ÿ∑∏‘„™â‰ª„π°‘®°√√¡≈ß∑ÿπ (24,375,079) (19,273,965) (4,717,500) (10,781,697)

°√–· ‡ß‘π ¥®“°°‘®°√√¡®—¥À“‡ß‘π

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‡ß‘πªíπº≈®à“¬ (202,400,000) (133,400,000) (202,400,000) (133,400,000)

‡ß‘π ¥√—∫®“°°“√ÕÕ°Àÿâπ°Ÿâ - 698,600,000 - 698,600,000

‡ß‘π ¥ ÿ∑∏‘‰¥â¡“®“°°‘®°√√¡®—¥À“‡ß‘π 2,469,000,927 2,510,628,202 2,952,500,000 2,268,100,000

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥‡æ‘Ë¡¢÷Èπ (≈¥≈ß) ÿ∑∏‘ 339,314,720 (94,889,012) 406,970,055 (122,247,812)

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥μâπªï 81,763,611 176,652,623 (18,025,968) 104,221,844

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4. ¡“μ√∞“π°“√∫—≠™’„À¡à∑’Ë¬—ß‰¡à¡’º≈∫—ß§—∫„™â ¿“«‘™“™’æ∫—≠™’‰¥âÕÕ°¡“μ√∞“π°“√∫—≠™’©∫—∫ª√—∫ª√ÿß·≈–¡“μ√∞“π°“√∫—≠™’„À¡à´÷Ëß¡’º≈∫—ß§—∫„™â ”À√—∫√Õ∫√–¬–‡«≈“∫—≠™’∑’Ë‡√‘Ë¡„πÀ√◊ÕÀ≈—ß«—π∑’Ë 1 ¡°√“§¡ 2556 μ“¡√“¬≈–‡Õ’¬¥¢â“ß≈à“ßπ’È ¡“μ√∞“π°“√∫—≠™’ ©∫—∫∑’Ë 12 ¿“…’‡ß‘π‰¥â ©∫—∫∑’Ë 20 (ª√—∫ª√ÿß 2552) °“√∫—≠™’ ”À√—∫‡ß‘πÕÿ¥Àπÿπ®“°√—∞∫“≈ ·≈–°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈‡°’Ë¬«°—∫§«“¡™à«¬‡À≈◊Õ ®“°√—∞∫“≈ ©∫—∫∑’Ë 21 (ª√—∫ª√ÿß 2552) º≈°√–∑∫®“°°“√‡ª≈’Ë¬π·ª≈ß¢ÕßÕ—μ√“·≈°‡ª≈’Ë¬π‡ß‘πμ√“μà“ßª√–‡∑»

58 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

°“√μ’§«“¡¡“μ√∞“π°“√∫—≠™’ ©∫—∫∑’Ë 10 §«“¡™à«¬‡À≈◊Õ®“°√—∞∫“≈ - °√≥’∑’Ë‰¡à¡’§«“¡‡°’Ë¬«¢âÕßÕ¬à“ß‡©æ“–‡®“–®ß°—∫°‘®°√√¡ ¥”‡π‘πß“π ©∫—∫∑’Ë 21 ¿“…’‡ß‘π‰¥â - °“√‰¥â√—∫ª√–‚¬™πå®“° ‘π∑√—æ¬å∑’Ë‰¡à‰¥â§‘¥ §à“‡ ◊ËÕ¡√“§“∑’Ëμ’√“§“„À¡à ©∫—∫∑’Ë 25 ¿“…’‡ß‘π‰¥â - °“√‡ª≈’Ë¬π·ª≈ß ∂“π¿“æ∑“ß¿“…’¢Õß°‘®°“√À√◊Õ¢ÕßºŸâ∂◊ÕÀÿâπ ΩÉ“¬∫√‘À“√¢Õß∫√‘…—∑œ‡™◊ËÕ«à“¡“μ√∞“π°“√∫—≠™’¢â“ßμâπ®–‰¡à¡’º≈°√–∑∫Õ¬à“ß‡ªìπ “√– ”§—≠μàÕß∫°“√‡ß‘π‡¡◊ËÕπ”¡“∂◊ÕªØ‘∫—μ‘ ¬°‡«âπ¡“μ√∞“π°“√∫—≠™’¥—ßμàÕ‰ªπ’È ¡“μ√∞“π°“√∫—≠™’ ©∫—∫∑’Ë 12 ‡√◊ËÕß ¿“…’‡ß‘π‰¥â ¡“μ√∞“π°“√∫—≠™’©∫—∫π’È°”Àπ¥„Àâ°‘®°“√√–∫ÿº≈·μ°μà“ß™—Ë«§√“«∑’Ë‡°‘¥®“°§«“¡·μ°μà“ß¢Õß¡Ÿ≈§à“ ‘π∑√—æ¬å·≈–Àπ’È ‘π√–À«à“ß‡°≥±å∑“ß∫—≠™’·≈–¿“…’Õ“°√ ‡æ◊ËÕ√—∫√Ÿâº≈°√–∑∫∑“ß¿“…’‡ªìπ ‘π∑√—æ¬åÀ√◊ÕÀπ’È ‘π¿“…’‡ß‘π‰¥â√Õ°“√μ—¥∫—≠™’μ“¡À≈—°‡°≥±å∑’Ë°”Àπ¥ ‡π◊ËÕß®“°¡“μ√∞“π°“√∫—≠™’©∫—∫π’È®–¡’º≈∫—ß§—∫„™â„π«—π∑’Ë 1 ¡°√“§¡ 2556 ¥—ßπ—Èπ ΩÉ“¬∫√‘À“√¢Õß∫√‘…—∑œ®÷ß¬—ß‰¡à “¡“√∂ª√–‡¡‘πº≈°√–∑∫μàÕß∫°“√‡ß‘π„πªï∑’Ë‡√‘Ë¡„™â¡“μ√∞“π°“√∫—≠™’π’È ‰¥â„π¢≥–π’È

5. º≈ – ¡®“°°“√‡ª≈’Ë¬π·ª≈ßπ‚¬∫“¬°“√∫—≠™’‡°’Ë¬«°—∫º≈ª√–‚¬™πå√–¬–¬“«¢Õßæπ—°ß“π „π√–À«à“ßªïªí®®ÿ∫—π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¥â‡ª≈’Ë¬π·ª≈ßπ‚¬∫“¬°“√∫—≠™’∑’Ë ”§—≠μ“¡∑’Ë°≈à“«„πÀ¡“¬‡Àμÿ 3 ‡π◊ËÕß®“°∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬π”¡“μ√∞“π°“√∫—≠™’©∫—∫ª√—∫ª√ÿß·≈–¡“μ√∞“π°“√∫—≠™’„À¡à¡“∂◊ÕªØ‘∫—μ‘ º≈ – ¡¢Õß°“√‡ª≈’Ë¬π·ª≈ßπ‚¬∫“¬°“√∫—≠™’¥—ß°≈à“«· ¥ß‡ªìπ√“¬°“√·¬°μà“ßÀ“°„πß∫· ¥ß°“√‡ª≈’Ë¬π·ª≈ß à«π¢Õß ºŸâ∂◊ÕÀÿâπ ‚¥¬∑”„Àâ°”‰√ – ¡√«¡μâπªï 2554 ≈¥≈ß®”π«π 35.52 ≈â“π∫“∑ (‡©æ“–∫√‘…—∑œ: ≈¥≈ß®”π«π 30.47 ≈â“π∫“∑) ®”π«π‡ß‘π¢Õß√“¬°“√ª√—∫ª√ÿß∑’Ë¡’º≈°√–∑∫μàÕ√“¬°“√„πß∫· ¥ß∞“π–°“√‡ß‘π ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈–ß∫°”‰√¢“¥∑ÿπ‡∫Á¥‡ √Á® ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2554 ¡’¥—ßπ’È

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

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ß∫°”‰√¢“¥∑ÿπ‡∫Á¥‡ √Á®

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6. π‚¬∫“¬°“√∫—≠™’∑’Ë ”§—≠ 6.1 °“√√—∫√Ÿâ√“¬‰¥â

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∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 59

¢) √“¬‰¥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

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6.2 ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥„πß∫· ¥ß∞“π–°“√‡ß‘π À¡“¬∂÷ß ‡ß‘π ¥·≈–‡ß‘πΩ“°∏π“§“√ ·≈–‡ß‘π≈ß∑ÿπ√–¬– —Èπ∑’Ë¡’ ¿“æ§≈àÕß Ÿß ´÷Ëß∂÷ß°”Àπ¥®à“¬§◊π¿“¬„π√–¬–‡«≈“‰¡à‡°‘π 3 ‡¥◊Õπ π—∫®“°«—π∑’Ë‰¥â¡“·≈–‰¡à¡’¢âÕ®”°—¥„π°“√‡∫‘°„™â ‡æ◊ËÕ«—μ∂ÿª√– ß§å„π°“√®—¥∑”ß∫°√–· ‡ß‘π ¥ ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ À¡“¬∂÷ß ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥∑’Ë°≈à“«∂÷ß¢â“ßμâπÀ—°¥â«¬‡ß‘π‡∫‘°‡°‘π∫—≠™’∏π“§“√

6.3 ≈Ÿ°Àπ’È·≈–§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“ ◊ÈÕ —≠≠“‡™à“°“√‡ß‘π ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·≈–≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡· ¥ß¥â«¬®”π«πÀπ’È§ß‡À≈◊Õμ“¡ —≠≠“À—°¥â«¬¥Õ°º≈‡™à“´◊ÈÕ·≈–¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â ·≈–§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ∫√‘…—∑œμ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ”À√—∫≈Ÿ°Àπ’È‡™à“ ◊ÈÕ·≈–≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡μ“¡º≈¢“¥∑ÿπ‚¥¬ª√–¡“≥∑’ËÕ“®®–‡°Á∫‡ß‘π®“°≈Ÿ°Àπ’È ‰¡à‰¥â ‚¥¬æ‘®“√≥“®“° ∂“π–ªí®®ÿ∫—π¢Õß≈Ÿ°Àπ’È§ß§â“ß §«“¡ “¡“√∂„π°“√™”√–Àπ’È¢Õß ≈Ÿ°Àπ’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‡ß‘π„Àâ°Ÿâ¬◊¡·≈–≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß ÷Ëß‡ªìπÀπ’È∑’Ë‡°‘¥®“° ‘π‡™◊ËÕ‡æ◊ËÕ°“√æ“≥‘™¬å (Commercial loan) ‚¥¬æ‘®“√≥“®“° ∂“π–·≈–§«“¡ “¡“√∂„π°“√™”√–Àπ’È¢Õß≈Ÿ°Àπ’È·≈–¡Ÿ≈§à“À≈—°ª√–°—π

6.4 ‘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

6.5 ‡ß‘π≈ß∑ÿπ

‡ß‘π≈ß∑ÿπ„πÀ≈—°∑√—æ¬å‡æ◊ËÕ§â“· ¥ßμ“¡¡Ÿ≈§à“¬ÿμ‘∏√√¡ °“√‡ª≈’Ë¬π·ª≈ß„π¡Ÿ≈§à“¬ÿμ‘∏√√¡¢ÕßÀ≈—°∑√—æ¬å∫—π∑÷°„π à«π¢Õß°”‰√À√◊Õ¢“¥∑ÿπ ¡Ÿ≈§à“¬ÿμ‘∏√√¡¢ÕßÀ≈—°∑√—æ¬å„π§«“¡μâÕß°“√¢Õßμ≈“¥§”π«≥®“°√“§“‡ πÕ´◊ÈÕÀ≈—ß ÿ¥ ≥ ‘Èπ«—π∑”°“√ ÿ¥∑â“¬¢Õßªï¢Õßμ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ ‡ß‘π≈ß∑ÿπ„πμ√“ “√∑ÿπ∑’Ë‰¡àÕ¬Ÿà„π§«“¡μâÕß°“√¢Õßμ≈“¥∂◊Õ‡ªìπ‡ß‘π≈ß∑ÿπ∑—Ë«‰ª´÷Ëß· ¥ß„π√“§“∑ÿπ ÿ∑∏‘®“°§à“‡º◊ËÕ°“√¥âÕ¬§à“ (∂â“¡’) ‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬∑’Ë· ¥ßÕ¬Ÿà„πß∫°“√‡ß‘π‡©æ“–°‘®°“√· ¥ß¡Ÿ≈§à“μ“¡«‘∏’√“§“∑ÿπ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬„™â«‘∏’∂—«‡©≈’Ë¬∂à«ßπÈ”Àπ—°„π°“√§”π«≥μâπ∑ÿπ¢Õß‡ß‘π≈ß∑ÿπ

60 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

6.6 ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å ·≈–§à“‡ ◊ËÕ¡√“§“ ∑’Ë¥‘π· ¥ß¡Ÿ≈§à“μ“¡√“§“∑ÿπ Õ“§“√·≈–Õÿª°√≥å· ¥ß¡Ÿ≈§à“μ“¡√“§“∑ÿπÀ—°¥â«¬§à“‡ ◊ËÕ¡√“§“ – ¡·≈– §à“‡º◊ËÕ°“√¥âÕ¬§à“ (∂â“¡’) §à“‡ ◊ËÕ¡√“§“¢ÕßÕ“§“√·≈–Õÿª°√≥å§”π«≥®“°√“§“∑ÿπ¢Õß ‘π∑√—æ¬å‚¥¬«‘∏’‡ âπμ√ßμ“¡Õ“¬ÿ°“√„Àâª√–‚¬™πå‚¥¬ª√–¡“≥¥—ßμàÕ‰ªπ’È Õ“§“√ 20 ªï ‡§√◊ËÕßμ°·μàß μ‘¥μ—Èß·≈–Õÿª°√≥å ”π—°ß“π 5 ªï ¬“πæ“Àπ– 5 ªï

§à“‡ ◊ËÕ¡√“§“√«¡Õ¬Ÿà„π°“√§”π«≥º≈°“√¥”‡π‘πß“π ‰¡à¡’°“√§‘¥§à“‡ ◊ËÕ¡√“§“ ”À√—∫∑’Ë¥‘π·≈– à«πª√—∫ª√ÿßÕ“§“√√–À«à“ß°àÕ √â“ß ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬μ—¥√“¬°“√∑’Ë¥‘π Õ“§“√ ·≈–Õÿª°√≥å ÕÕ°®“°∫—≠™’ ‡¡◊ËÕ®”Àπà“¬ ‘π∑√—æ¬åÀ√◊Õ§“¥«à“®–‰¡à‰¥â√—∫ª√–‚¬™πå‡™‘ß‡»√…∞°‘®„πÕπ“§μ®“°°“√„™âÀ√◊Õ°“√®”Àπà“¬ ‘π∑√—æ¬å √“¬°“√º≈°”‰√À√◊Õ¢“¥∑ÿπ®“°°“√®”Àπà“¬ ‘π∑√—æ¬å (º≈μà“ß√–À«à“ß ‘ËßμÕ∫·∑π ÿ∑∏‘∑’Ë ‰¥â√—∫®“°°“√®”Àπà“¬ ‘π∑√—æ¬å°—∫¡Ÿ≈§à“μ“¡∫—≠™’¢Õß ‘π∑√—æ¬åπ—Èπ) ®–√—∫√Ÿâ„π à«π¢Õß°”‰√À√◊Õ¢“¥∑ÿπ‡¡◊ËÕ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬μ—¥√“¬°“√ ‘π∑√—æ¬åπ—ÈπÕÕ°®“°∫—≠™’

6.7 ‘π∑√—æ¬å‰¡à¡’μ—«μπ

∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬∫—π∑÷°μâπ∑ÿπ‡√‘Ë¡·√°¢Õß ‘π∑√—æ¬å‰¡à¡’μ—«μπμ“¡√“§“∑ÿπ ¿“¬À≈—ß°“√√—∫√Ÿâ√“¬°“√‡√‘Ë¡·√° ‘π∑√—æ¬å‰¡à¡’μ—«μπ· ¥ß¡Ÿ≈§à“μ“¡√“§“∑ÿπÀ—°§à“μ—¥®”Àπà“¬ – ¡·≈–§à“‡º◊ËÕ°“√¥âÕ¬§à“ (∂â“¡’) ¢Õß ‘π∑√—æ¬åπ—Èπ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬μ—¥®”Àπà“¬ ‘π∑√—æ¬å‰¡à¡’μ—«μπ∑’Ë¡’Õ“¬ÿ°“√„Àâª√–‚¬™πå®”°—¥Õ¬à“ß¡’√–∫∫μ≈Õ¥Õ“¬ÿ°“√„Àâª√–‚¬™πå‡™‘ß‡»√…∞°‘®¢Õß ‘π∑√—æ¬åπ—Èπ ·≈–®–ª√–‡¡‘π°“√¥âÕ¬§à“¢Õß ‘π∑√—æ¬å¥—ß°≈à“«‡¡◊ËÕ¡’¢âÕ∫àß™’È«à“ ‘π∑√—æ¬åπ—Èπ‡°‘¥°“√¥âÕ¬§à“ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–∑∫∑«π√–¬–‡«≈“°“√μ—¥®”Àπà“¬·≈–«‘∏’°“√μ—¥®”Àπà“¬¢Õß ‘π∑√—æ¬å‰¡à¡’μ—«μπ¥—ß°≈à“«∑ÿ° ‘Èπªï‡ªìπÕ¬à“ßπâÕ¬ §à“μ—¥®”Àπà“¬√—∫√Ÿâ‡ªìπ§à“„™â®à“¬„π à«π¢Õß°”‰√À√◊Õ¢“¥∑ÿπ ‘π∑√—æ¬å‰¡à¡’μ—«μπ∑’Ë¡’Õ“¬ÿ°“√„Àâª√–‚¬™πå®”°—¥¡’¥—ßπ’È ‚ª√·°√¡§Õ¡æ‘«‡μÕ√å 10 ªï §à“μ—¥®”Àπà“¬√«¡Õ¬Ÿà„π°“√§”π«≥º≈°“√¥”‡π‘πß“π ‰¡à¡’°“√§‘¥§à“μ—¥®”Àπà“¬ ”À√—∫‚ª√·°√¡§Õ¡æ‘«‡μÕ√å√–À«à“ßμ‘¥μ—Èß

6.8 √“¬°“√∏ÿ√°‘®°—∫∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π°—∫∫√‘…—∑œ À¡“¬∂÷ß ∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë¡’Õ”π“®§«∫§ÿ¡∫√‘…—∑œ À√◊Õ∂Ÿ° ∫√‘…—∑œ§«∫§ÿ¡‰¡à«à“®–‡ªìπ‚¥¬∑“ßμ√ßÀ√◊Õ∑“ßÕâÕ¡ À√◊ÕÕ¬Ÿà¿“¬„μâ°“√§«∫§ÿ¡‡¥’¬«°—π°—∫∫√‘…—∑œ πÕ°®“°π’È ∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π¬—ßÀ¡“¬√«¡∂÷ß∫√‘…—∑√à«¡·≈–∫ÿ§§≈∑’Ë¡’ ‘∑∏‘ÕÕ°‡ ’¬ß‚¥¬∑“ßμ√ßÀ√◊Õ∑“ßÕâÕ¡ ÷Ëß∑”„Àâ¡’Õ‘∑∏‘æ≈Õ¬à“ß‡ªìπ “√– ”§—≠μàÕ∫√‘…—∑œ ºŸâ∫√‘À“√ ”§—≠ °√√¡°“√À√◊Õæπ—°ß“π¢Õß∫√‘…—∑œ∑’Ë¡’Õ”π“®„π°“√«“ß·ºπ·≈–§«∫§ÿ¡°“√¥”‡π‘πß“π¢Õß∫√‘…—∑œ

6.9 —≠≠“‡™à“√–¬–¬“«

∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬„π∞“π–ºŸâ„Àâ‡™à“ —≠≠“‡™à“∑’Ë§«“¡‡ ’Ë¬ß·≈–º≈μÕ∫·∑π¢Õß§«“¡‡ªìπ‡®â“¢Õß à«π„À≠à‰¥â‚Õπ‰ª„ÀâºŸâ‡™à“∂◊Õ‡ªìπ —≠≠“‡™à“°“√‡ß‘π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–∫—π∑÷°≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ·≈– —≠≠“‡™à“°“√‡ß‘π¥â«¬®”π«π‡ß‘π≈ß∑ÿπ ÿ∑∏‘ √“¬‰¥â®“° —≠≠“‡™à“°“√‡ß‘π®–√—∫√Ÿâ¥â«¬Õ—μ√“º≈μÕ∫·∑π∑’Ë·∑â®√‘ßμ“¡√–¬–‡«≈“¢Õß —≠≠“‡™à“ μâπ∑ÿπ∑“ßμ√ß∑’Ë‡°‘¥¢÷Èπ®“° —≠≠“‡™à“´◊ÈÕ ‡™àπ §à“π“¬Àπâ“®à“¬ ‡ªìπμâπ √«¡§”π«≥Õ¬Ÿà„π®”π«π‡ß‘π≈ß∑ÿπ ÿ∑∏‘·≈–√«¡„π°“√§”π«≥Õ—μ√“º≈μÕ∫·∑π∑’Ë·∑â®√‘ß —≠≠“‡™à“∑’Ë∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¬—ß§ß¡’§«“¡‡ ’Ë¬ß·≈–‰¥â√—∫º≈μÕ∫·∑π¢Õß§«“¡‡ªìπ‡®â“¢Õß à«π„À≠à∂◊Õ‡ªìπ —≠≠“‡™à“¥”‡π‘πß“π

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 61

6.10 ‡ß‘πμ√“μà“ßª√–‡∑» √“¬°“√∑’Ë‡ªìπ‡ß‘πμ√“μà“ßª√–‡∑»·ª≈ß§à“‡ªìπ‡ß‘π∫“∑‚¥¬„™âÕ—μ√“·≈°‡ª≈’Ë¬π ≥ «—π∑’Ë‡°‘¥√“¬°“√ ‘π∑√—æ¬å·≈–Àπ’È ‘π∑’Ë‡ªìπμ—«‡ß‘π ÷ËßÕ¬Ÿà„π °ÿ≈‡ß‘πμ√“μà“ßª√–‡∑»·ª≈ß§à“‡ªìπ‡ß‘π∫“∑‚¥¬„™âÕ—μ√“·≈°‡ª≈’Ë¬π ≥ «—π ‘Èπ√Õ∫√–¬–‡«≈“√“¬ß“π °”‰√·≈–¢“¥∑ÿπ∑’Ë‡°‘¥®“°°“√‡ª≈’Ë¬π·ª≈ß„πÕ—μ√“·≈°‡ª≈’Ë¬π√«¡Õ¬Ÿà„π°“√§”π«≥º≈°“√¥”‡π‘πß“π

6.11 °“√¥âÕ¬§à“¢Õß ‘π∑√—æ¬å

∑ÿ°«—π ‘Èπ√Õ∫√–¬–‡«≈“√“¬ß“π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–∑”°“√ª√–‡¡‘π°“√¥âÕ¬§à“¢Õß∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥åÀ√◊Õ ‘π∑√—æ¬å∑’Ë ‰¡à¡’μ—«μπÕ◊Ëπ¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬À“°¡’¢âÕ∫àß™’È«à“ ‘π∑√—æ¬å¥—ß°≈à“«Õ“®¥âÕ¬§à“ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬√—∫√Ÿâ¢“¥∑ÿπ®“°°“√¥âÕ¬§à“‡¡◊ËÕ¡Ÿ≈§à“∑’Ë§“¥«à“®–‰¥â√—∫§◊π¢Õß ‘π∑√—æ¬å¡’¡Ÿ≈§à“μË”°«à“¡Ÿ≈§à“μ“¡∫—≠™’¢Õß ‘π∑√—æ¬åπ—Èπ ∑—Èßπ’È¡Ÿ≈§à“∑’Ë§“¥«à“®–‰¥â√—∫§◊πÀ¡“¬∂÷ß¡Ÿ≈§à“¬ÿμ‘∏√√¡À—°μâπ∑ÿπ„π°“√¢“¬¢Õß ‘π∑√—æ¬åÀ√◊Õ¡Ÿ≈§à“®“°°“√„™â ‘π∑√—æ¬å·≈â«·μà√“§“„¥®– Ÿß°«à“ „π°“√ª√–‡¡‘π¡Ÿ≈§à“®“°°“√„™â ‘π∑√—æ¬å ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ª√–¡“≥°“√°√–· ‡ß‘π ¥„πÕπ“§μ∑’Ë°‘®°“√§“¥«à“®–‰¥â√—∫®“° ‘π∑√—æ¬å·≈–§”π«≥§‘¥≈¥‡ªìπ¡Ÿ≈§à“ªí®®ÿ∫—π‚¥¬„™âÕ—μ√“§‘¥≈¥°àÕπ¿“…’∑’Ë –∑âÕπ∂÷ß°“√ª√–‡¡‘π§«“¡‡ ’Ë¬ß„π ¿“æμ≈“¥ªí®®ÿ∫—π¢Õß‡ß‘π ¥μ“¡√–¬–‡«≈“·≈–§«“¡‡ ’Ë¬ß´÷Ëß‡ªìπ≈—°…≥–‡©æ“–¢Õß ‘π∑√—æ¬å∑’Ë°”≈—ßæ‘®“√≥“Õ¬Ÿà „π°“√ª√–‡¡‘π¡Ÿ≈§à“¬ÿμ‘∏√√¡À—°μâπ∑ÿπ„π°“√¢“¬ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬„™â·∫∫®”≈Õß°“√ª√–‡¡‘π¡Ÿ≈§à“∑’Ë¥’∑’Ë ÿ¥´÷Ëß‡À¡“– ¡°—∫ ‘π∑√—æ¬å ´÷Ëß –∑âÕπ∂÷ß®”π«π‡ß‘π∑’Ë°‘®°“√ “¡“√∂®–‰¥â¡“®“°°“√®”Àπà“¬ ‘π∑√—æ¬åÀ—°¥â«¬μâπ∑ÿπ„π°“√®”Àπà“¬ ‚¥¬°“√®”Àπà“¬π—Èπ ºŸâ´◊ÈÕ°—∫ºŸâ¢“¬¡’§«“¡√Õ∫√Ÿâ·≈–‡μÁ¡„®„π°“√·≈°‡ª≈’Ë¬π·≈– “¡“√∂μàÕ√Õß√“§“°—π‰¥âÕ¬à“ß‡ªìπÕ‘ √–„π≈—°…≥–¢ÕßºŸâ∑’Ë‰¡à¡’§«“¡‡°’Ë¬«¢âÕß°—π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–√—∫√Ÿâ√“¬°“√¢“¥∑ÿπ®“°°“√¥âÕ¬§à“„π à«π¢Õß°”‰√À√◊Õ¢“¥∑ÿπ

6.12 º≈ª√–‚¬™πåæπ—°ß“π

º≈ª√–‚¬™πå√–¬– —Èπ¢Õßæπ—°ß“π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬√—∫√Ÿâ ‡ß‘π‡¥◊Õπ §à“®â“ß ‚∫π— ·≈–‡ß‘π ¡∑∫°Õß∑ÿπª√–°—π —ß§¡‡ªìπ§à“„™â®à“¬‡¡◊ËÕ‡°‘¥√“¬°“√ º≈ª√–‚¬™πåÀ≈—ßÕÕ°®“°ß“π¢Õßæπ—°ß“π ‚§√ß°“√ ¡∑∫‡ß‘π ∫√‘…—∑œ ∫√‘…—∑¬àÕ¬·≈–æπ—°ß“π‰¥â√à«¡°—π®—¥μ—Èß°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ ´÷Ëßª√–°Õ∫¥â«¬‡ß‘π∑’Ëæπ—°ß“π®à“¬ – ¡·≈–‡ß‘π∑’Ë∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®à“¬ ¡∑∫„Àâ‡ªìπ√“¬‡¥◊Õπ ‘π∑√—æ¬å¢Õß°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ‰¥â·¬°ÕÕ°®“° ‘π∑√—æ¬å¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ ‡ß‘π∑’Ë∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®à“¬ ¡∑∫°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ∫—π∑÷°‡ªìπ§à“„™â®à“¬„πªï∑’Ë‡°‘¥√“¬°“√ ‚§√ß°“√º≈ª√–‚¬™πåÀ≈—ßÕÕ°®“°ß“π¢Õßæπ—°ß“π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’¿“√– ”À√—∫‡ß‘π™¥‡™¬∑’ËμâÕß®à“¬„Àâ·°àæπ—°ß“π‡¡◊ËÕÕÕ°®“°ß“πμ“¡°ÆÀ¡“¬·√ßß“π ÷Ëß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬∂◊Õ«à“‡ß‘π™¥‡™¬¥—ß°≈à“«‡ªìπ‚§√ß°“√º≈ª√–‚¬™πåÀ≈—ßÕÕ°®“°ß“π ”À√—∫æπ—°ß“π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬§”π«≥Àπ’È ‘πμ“¡‚§√ß°“√º≈ª√–‚¬™πåÀ≈—ßÕÕ°®“°ß“π¢Õßæπ—°ß“π ‚¥¬„™â«‘∏’§‘¥≈¥·μà≈–Àπà«¬∑’Ëª√–¡“≥°“√‰«â (Projected Unit Credit Method) ‚¥¬ºŸâ‡™’Ë¬«™“≠Õ‘ √–‰¥â∑”°“√ª√–‡¡‘π¿“√–ºŸ°æ—π¥—ß°≈à“«μ“¡À≈—°§≥‘μ»“ μ√åª√–°—π¿—¬ º≈°”‰√À√◊Õ¢“¥∑ÿπ®“°°“√ª√–¡“≥°“√μ“¡À≈—°§≥‘μ»“ μ√åª√–°—π¿—¬ (Actuarial gains and losses) ”À√—∫‚§√ß°“√º≈ª√–‚¬™πåÀ≈—ßÕÕ°®“°ß“π¢Õßæπ—°ß“π®–√—∫√Ÿâ‡ªìπ√“¬‰¥âÀ√◊Õ§à“„™â®à“¬À“°®”π«π¢Õß¡Ÿ≈§à“ – ¡ ÿ∑∏‘¢Õßº≈°”‰√·≈–¢“¥∑ÿπ®“°°“√ª√–¡“≥°“√μ“¡À≈—°§≥‘μ»“ μ√åª√–°—π¿—¬∑’Ë¬—ß‰¡à√—∫√Ÿâ ≥ «—π ÿ¥∑â“¬¢Õß√Õ∫√–¬–‡«≈“∫—≠™’°àÕπ¡’®”π«π‡°‘π°«à“√âÕ¬≈– 10 ¢Õß¿“√–ºŸ°æ—πμ“¡‚§√ß°“√º≈ª√–‚¬™πå ≥ «—ππ—Èπ ‚¥¬∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–∑¬Õ¬√—∫√Ÿâ à«π‡°‘π¥—ß°≈à“«‰ªμ≈Õ¥Õ“¬ÿß“π∂—«‡©≈’Ë¬∑’Ë§“¥«à“®–‡À≈◊ÕÕ¬Ÿà¢Õßæπ—°ß“π„π‚§√ß°“√

62 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

„π°“√ªØ‘∫—μ‘μ“¡¡“μ√∞“π°“√∫—≠™’ ©∫—∫∑’Ë 19 ‡√◊ËÕß º≈ª√–‚¬™πå¢Õßæπ—°ß“π ‡ªìπ§√—Èß·√° ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‡≈◊Õ°√—∫√ŸâÀπ’È ‘π„π™à«ß°“√‡ª≈’Ë¬π·ª≈ß∑’Ë¡“°°«à“Àπ’È ‘π∑’Ë√—∫√Ÿâ ≥ «—π‡¥’¬«°—πμ“¡π‚¬∫“¬°“√∫—≠™’‡¥‘¡ ‚¥¬∫—π∑÷°ª√—∫°—∫°”‰√ – ¡ ≥ «—πμâπß«¥¢Õßªïªí®®ÿ∫—π

6.13 ¿“…’‡ß‘π‰¥â

∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬∫—π∑÷°¿“…’‡ß‘π‰¥âμ“¡®”π«π∑’Ë§“¥«à“®–®à“¬„Àâ°—∫Àπà«¬ß“π®—¥‡°Á∫¿“…’¢Õß√—∞ ‚¥¬§”π«≥®“°°”‰√∑“ß¿“…’μ“¡À≈—°‡°≥±å∑’Ë°”Àπ¥„π°ÆÀ¡“¬¿“…’Õ“°√

6.14 ª√–¡“≥°“√Àπ’È ‘π

∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–∫—π∑÷°ª√–¡“≥°“√Àπ’È ‘π‰«â„π∫—≠™’‡¡◊ËÕ¿“√–ºŸ°æ—π´÷Ëß‡ªìπº≈¡“®“°‡Àμÿ°“√≥å„πÕ¥’μ‰¥â‡°‘¥¢÷Èπ·≈â« ·≈–¡’§«“¡‡ªìπ‰ª‰¥â§àÕπ¢â“ß·πàπÕπ«à“∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–‡ ’¬∑√—æ¬“°√‡™‘ß‡»√…∞°‘® ‰ª‡æ◊ËÕª≈¥‡ª≈◊ÈÕß¿“√–ºŸ°æ—ππ—Èπ ·≈–∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ “¡“√∂ª√–¡“≥¡Ÿ≈§à“¿“√–ºŸ°æ—ππ—Èπ‰¥âÕ¬à“ß πà“‡™◊ËÕ∂◊Õ

6.15 —≠≠“·≈°‡ª≈’Ë¬πÕ—μ√“¥Õ°‡∫’È¬

∫√‘…—∑œ√—∫√Ÿâ®”π«π ÿ∑∏‘¢Õß¥Õ°‡∫’È¬∑’Ë ‰¥â√—∫®“°/®à“¬„Àâ·°à§Ÿà —≠≠“μ“¡ —≠≠“·≈°‡ª≈’Ë¬πÕ—μ√“¥Õ°‡∫’È¬ ‡ªìπ√“¬‰¥â/§à“„™â®à“¬μ“¡‡°≥±å§ß§â“ß

7. °“√„™â¥ÿ≈¬æ‘π‘®·≈–ª√–¡“≥°“√∑“ß∫—≠™’∑’Ë ”§—≠ „π°“√®—¥∑”ß∫°“√‡ß‘πμ“¡¡“μ√∞“π°“√∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª ΩÉ“¬∫√‘À“√®”‡ªìπμâÕß„™â¥ÿ≈¬æ‘π‘®·≈–°“√ª√–¡“≥°“√„π‡√◊ËÕß∑’Ë¡’§«“¡‰¡à·πàπÕπ‡ ¡Õ °“√„™â¥ÿ≈¬æ‘π‘®·≈–°“√ª√–¡“≥°“√¥—ß°≈à“«π’È àßº≈°√–∑∫μàÕ®”π«π‡ß‘π∑’Ë· ¥ß„πß∫°“√‡ß‘π·≈–μàÕ¢âÕ¡Ÿ≈∑’Ë· ¥ß„πÀ¡“¬‡Àμÿª√–°Õ∫ß∫°“√‡ß‘π º≈∑’Ë‡°‘¥¢÷Èπ®√‘ßÕ“®·μ°μà“ß‰ª®“°®”π«π∑’Ëª√–¡“≥°“√‰«â °“√„™â¥ÿ≈¬æ‘π‘®·≈–°“√ª√–¡“≥°“√∑’Ë ”§—≠¡’¥—ßπ’È —≠≠“‡™à“ „π°“√æ‘®“√≥“ª√–‡¿∑¢Õß —≠≠“‡™à“«à“‡ªìπ —≠≠“‡™à“¥”‡π‘πß“πÀ√◊Õ —≠≠“‡™à“∑“ß°“√‡ß‘π ΩÉ“¬∫√‘À“√‰¥â„™â¥ÿ≈¬æ‘π‘®„π°“√ª√–‡¡‘π‡ß◊ËÕπ‰¢·≈–√“¬≈–‡Õ’¬¥¢Õß —≠≠“‡æ◊ËÕæ‘®“√≥“«à“∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¥â ‚ÕπÀ√◊Õ√—∫‚Õπ§«“¡‡ ’Ë¬ß·≈–º≈ª√–‚¬™πå„π ‘π∑√—æ¬å∑’Ë‡™à“¥—ß°≈à“«·≈â«À√◊Õ‰¡à §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß≈Ÿ°Àπ’È „π°“√ª√–¡“≥§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß≈Ÿ°Àπ’È ΩÉ“¬∫√‘À“√®”‡ªìπμâÕß„™â¥ÿ≈¬æ‘π‘®„π°“√ª√–¡“≥°“√º≈¢“¥∑ÿπ∑’Ë§“¥«à“®–‡°‘¥¢÷Èπ®“°≈Ÿ°Àπ’È ‚¥¬§”π÷ß∂÷ßª√– ∫°“√≥å°“√‡°Á∫‡ß‘π„πÕ¥’μ Õ“¬ÿ¢ÕßÀπ’È∑’Ë§ß§â“ß·≈– ¿“«–‡»√…∞°‘®∑’Ë‡ªìπÕ¬Ÿà„π¢≥–π—Èπ ‡ªìπμâπ ¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π „π°“√ª√–‡¡‘π¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π∑’Ë‰¡à¡’°“√´◊ÈÕ¢“¬„πμ≈“¥·≈–‰¡à “¡“√∂À“√“§“‰¥â„πμ≈“¥´◊ÈÕ¢“¬§≈àÕß ΩÉ“¬∫√‘À“√μâÕß„™â¥ÿ≈¬æ‘π‘®„π°“√ª√–¡“≥¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π¥—ß°≈à“« ‚¥¬„™â‡∑§π‘§·≈–·∫∫®”≈Õß°“√ª√–‡¡‘π¡Ÿ≈§à“ ´÷Ëßμ—«·ª√∑’Ë„™â„π·∫∫®”≈Õß‰¥â¡“®“°°“√‡∑’¬∫‡§’¬ß°—∫μ—«·ª√∑’Ë¡’Õ¬Ÿà„πμ≈“¥ ‚¥¬§”π÷ß∂÷ß ¿“æ§≈àÕß ¢âÕ¡Ÿ≈§«“¡ —¡æ—π∏å ·≈–°“√‡ª≈’Ë¬π·ª≈ß¢Õß¡Ÿ≈§à“¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π„π√–¬–¬“« º≈ª√–‚¬™πåÀ≈—ßÕÕ°®“°ß“π¢Õßæπ—°ß“πμ“¡‚§√ß°“√º≈ª√–‚¬™πå Àπ’È ‘πμ“¡‚§√ß°“√º≈ª√–‚¬™πåÀ≈—ßÕÕ°®“°ß“π¢Õßæπ—°ß“π ª√–¡“≥¢÷Èπμ“¡À≈—°§≥‘μ»“ μ√åª√–°—π¿—¬ ´÷ËßμâÕßÕ“»—¬¢âÕ ¡¡μ‘∞“πμà“ßÊ „π°“√ª√–¡“≥°“√π—Èπ ‡™àπ Õ—μ√“§‘¥≈¥ Õ—μ√“°“√¢÷Èπ‡ß‘π‡¥◊Õπ„πÕπ“§μ Õ—μ√“¡√≥– ·≈–Õ—μ√“°“√‡ª≈’Ë¬π·ª≈ß„π®”π«πæπ—°ß“π ‡ªìπμâπ

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 63

8. ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ (Àπà«¬: æ—π∫“∑)

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2554 2553 2554 2553

‡ß‘π ¥ 2,004 2,539 1,954 2,489

‡ß‘πΩ“°∏π“§“√ 437,984 125,525 405,900 25,785

√«¡ 439,988 128,064 407,854 28,274

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ‡ß‘πΩ“°ÕÕ¡∑√—æ¬å ·≈–‡ß‘πΩ“°ª√–®” ¡’Õ—μ√“¥Õ°‡∫’È¬√–À«à“ß√âÕ¬≈– 0.25 ∂÷ß 0.85 μàÕªï (2553: √âÕ¬≈– 0.20 ∂÷ß 0.37 μàÕªï)

9. ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ 9.1 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕª√–°Õ∫¥â«¬

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’Ë∂÷ß ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’Ë∂÷ß °”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï °”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï √«¡ 2554 2553 2554 2553 2554 2553 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ 6,935,752 5,968,953 11,520,055 9,850,813 18,455,807 15,819,766

À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â (1,134,989) (968,092) (1,196,572) (1,043,351) (2,331,561) (2,011,443)

5,800,763 5,000,861 10,323,483 8,807,462 16,124,246 13,808,323

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (54,900) (52,523) (81,376) (66,293) (136,276) (118,816)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘ 5,745,863 4,948,338 10,242,107 8,741,169 15,987,970 13,689,507

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’Ë∂÷ß ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’Ë∂÷ß °”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï °”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï √«¡ 2554 2553 2554 2553 2554 2553 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ 6,272,709 5,404,878 10,897,757 9,426,470 17,170,466 14,831,348

À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â (1,055,042) (908,469) (1,148,850) (1,010,490) (2,203,892) (1,918,959)

5,217,667 4,496,409 9,748,907 8,415,980 14,966,574 12,912,389

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (36,868) (30,045) (68,844) (56,269) (105,712) (86,314)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘ 5,180,799 4,466,364 9,680,063 8,359,711 14,860,862 12,826,075

64 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

9.2 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ≈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«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ Õ“¬ÿÀπ’È§â“ß™”√– 2554 2553 2554 2553 ¬—ß‰¡à§√∫°”Àπ¥™”√– 14,991,790 13,038,923 13,865,122 12,181,928

§â“ß™”√–

1 ß«¥ - 3 ß«¥ 1,021,274 687,326 1,010,496 675,168

4 ß«¥ - 6 ß«¥ 75,972 36,034 62,954 28,093

7 ß«¥ - 12 ß«¥ 12,783 28,040 11,887 14,352

‡°‘π°«à“ 12 ß«¥¢÷Èπ‰ª 22,427 18,000 16,115 12,848

√«¡ 16,124,246 13,808,323 14,966,574 12,912,389

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (136,276) (118,816) (105,712) (86,314)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘ 15,987,970 13,689,507 14,860,862 12,826,075

9.3 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ®”π«π‡ß‘π¢—ÈπμË”∑’ËμâÕß®à“¬μ“¡ —≠≠“‡™à“ ◊ÈÕ·≈–¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß®”π«π

‡ß‘π¢—ÈπμË”¥—ß°≈à“«· ¥ß‰¥â¥—ßπ’È (Àπà«¬: æ—π∫“∑)

ß∫°“√‡ß‘π√«¡ 2554 2553 ¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß ¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” μ“¡ —≠≠“‡™à“´◊ÈÕ ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ μ“¡ —≠≠“‡™à“ ◊ÈÕ ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ ¿“¬„πÀπ÷Ëßªï 6,935,752 5,800,763 5,968,953 5,000,861

‡°‘πÀπ÷Ëßªï·μà‰¡à‡°‘πÀâ“ªï 11,410,831 10,218,362 9,763,317 8,723,389

‡°‘π°«à“Àâ“ªï 109,224 105,121 87,496 84,073

√«¡ 18,455,807 16,124,246 15,819,766 13,808,323

À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â (2,331,561) (2,011,443)

¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß®”π«π‡ß‘π¢—ÈπμË”∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ 16,124,246 13,808,323

(Àπà«¬: æ—π∫“∑)

ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2554 2553 ¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß ¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” μ“¡ —≠≠“‡™à“´◊ÈÕ ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ μ“¡ —≠≠“‡™à“ ◊ÈÕ ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ ¿“¬„πÀπ÷Ëßªï 6,272,709 5,217,667 5,404,878 4,496,409

‡°‘πÀπ÷Ëßªï·μà‰¡à‡°‘πÀâ“ªï 10,788,533 9,643,786 9,338,974 8,331,907

‡°‘π°«à“Àâ“ªï 109,224 105,121 87,496 84,073

√«¡ 17,170,466 14,966,574 14,831,348 12,912,389

À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â (2,203,892) (1,918,959)

¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß®”π«π‡ß‘π¢—ÈπμË”∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ 14,966,574 12,912,389

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 65

9.4 ‡¡◊ËÕ«—π∑’Ë 30 ‡¡…“¬π 2547 ¡“§¡π—°∫—≠™’·≈–ºŸâ Õ∫∫—≠™’√—∫Õπÿ≠“μ·Ààßª√–‡∑»‰∑¬‚¥¬§«“¡‡ÀÁπ™Õ∫¢Õß ”π—°ß“π§≥–°√√¡°“√°”°—∫À≈—°∑√—æ¬å·≈–μ≈“¥À≈—°∑√—æ¬å‰¥â°”Àπ¥·π«ªØ‘∫—μ‘∑“ß°“√∫—≠™’ ”À√—∫∏ÿ√°‘® ‘π‡™◊ËÕ‡æ◊ËÕ°“√Õÿª‚¿§∫√‘‚¿§ (Consumer Finance) ‚¥¬„Àâ∫—π∑÷°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‡μÁ¡®”π«π·≈–À¬ÿ¥√—∫√Ÿâ√“¬‰¥â ”À√—∫≈Ÿ°Àπ’È∑’Ë§â“ß™”√–‡°‘π°«à“ 3 ß«¥ ·≈–∫—π∑÷° ”√Õß∑—Ë«‰ª ”À√—∫≈Ÿ°Àπ’È∑’Ë‰¡à§â“ß™”√–§à“ß«¥À√◊Õ§â“ß™”√–§à“ß«¥‰¡à‡°‘π°«à“ 3 ß«¥ ´÷ËßÀ“°∫√‘…—∑œμâÕßªØ‘∫—μ‘μ“¡·π«∑“ß¥—ß°≈à“« ‚¥¬‰¡àæ‘®“√≥“∂÷ß ”√Õß∑—Ë«‰ª ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ∫√‘…—∑œμâÕß∫—π∑÷°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠≈¥≈ß‡ªìπ®”π«π‡ß‘πª√–¡“≥ 14.76 ≈â“π∫“∑ (2553: ≈¥≈ß 31.02 ≈â“π∫“∑) ·≈–μâÕß√—∫√Ÿâ√“¬‰¥â ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2554 ≈¥≈ß‡ªìπ®”π«π‡ß‘πª√–¡“≥ 0.78 ≈â“π∫“∑ (2553: 0.29 ≈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«“§¡ 2554 ∫√‘…—∑œ‰¥âμ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ‚¥¬‡©≈’Ë¬„πÕ—μ√“√âÕ¬≈– 0.71 (2553: √âÕ¬≈– 0.67) ¢Õß¬Õ¥§ß‡À≈◊Õ¢Õß≈Ÿ°Àπ’È¥—ß°≈à“« ‚¥¬‰¡àÀ—°À≈—°ª√–°—π ÷Ëß Ÿß°«à“Õ—μ√“√âÕ¬≈– 0.62 ´÷Ëß‡ªìπÕ—μ√“§«“¡‡ ’¬À“¬‡©≈’Ë¬®“°°“√‡°Á∫Àπ’È®π∂÷ß 31 ∏—π«“§¡ 2554 ¢Õß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ§ß‡À≈◊Õ ≥ «—π ‘Èπªï 2544 ∂÷ßªï 2551 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ¬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√–¡“≥ 62.14 ≈â“π∫“∑ (2553: 26.45 ≈â“π∫“∑) ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑¬àÕ¬√«¡∑—Èß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡·≈–≈Ÿ°Àπ’È ®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß‡ªìπÀπ’È∑’Ë‡°‘¥®“° ‘π‡™◊ËÕ‡æ◊ËÕ°“√æ“≥‘™¬å (Commercial loan) ∫√‘…—∑¬àÕ¬‰¥â∫—π∑÷° §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß≈Ÿ°Àπ’È¥—ß°≈à“«‚¥¬æ‘®“√≥“®“° ∂“π–·≈–§«“¡ “¡“√∂„π°“√™”√–Àπ’È¢Õß≈Ÿ°Àπ’È·≈–¡Ÿ≈§à“À≈—°ª√–°—π

9.5 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ∫√‘…—∑œ‰¥âπ” ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ (°àÕπÀ—°¥Õ°º≈

‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”π«π 10,080.14 ≈â“π∫“∑ ·≈– 8,117.76 ≈â“π∫“∑ μ“¡≈”¥—∫ ‰ª§È”ª√–°—π «ß‡ß‘π ‘π‡™◊ËÕ∑’Ë‰¥â√—∫®“°∏π“§“√æ“≥‘™¬åμ“¡∑’Ë°≈à“«‰«â„πÀ¡“¬‡Àμÿ 20 ·≈– 22

9.6 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â

( ÿ∑∏‘®“°¥Õ°º≈‡™à“ ◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”π«π√«¡ 45.75 ≈â“π∫“∑·≈– 45.67 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ: 38.70 ≈â“π∫“∑·≈– 33.28 ≈â“π∫“∑ μ“¡≈”¥—∫)

9.7 —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’√–¬–‡«≈“μ“¡ —≠≠“‚¥¬ª√–¡“≥ 12-60 ‡¥◊Õπ ·≈–¡’°”Àπ¥

°“√®à“¬§à“ß«¥‡∑à“°—π∑ÿ°ß«¥

66 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

10. ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π 10.1 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ª√–°Õ∫¥â«¬

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’Ë∂÷ß ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’Ë∂÷ß °”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï °”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï √«¡ 2554 2553 2554 2553 2554 2553 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π 349,878 353,596 352,193 318,635 702,071 672,231

À—°: ¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â (39,548) (38,876) (27,278) (22,872) (66,826) (61,748)

310,330 314,720 324,915 295,763 635,245 610,483

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (12,710) (22,194) (5,581) (6,675) (18,291) (28,869)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π - ÿ∑∏‘ 297,620 292,526 319,334 289,088 616,954 581,614

10.2 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ( ÿ∑∏‘®“°¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â)

®”·π°μ“¡Õ“¬ÿÀπ’È ‰¥â¥—ßπ’È (Àπà«¬: æ—π∫“∑)

ß∫°“√‡ß‘π√«¡ Õ“¬ÿÀπ’È§â“ß™”√– 2554 2553

¬—ß‰¡à§√∫°”Àπ¥™”√– 621,316 580,561 §â“ß™”√– 1 ß«¥ - 3 ß«¥ 169 8,195 4 ß«¥ - 6 ß«¥ 1,481 1,001 7 ß«¥ - 12 ß«¥ 12,279 2,692 ‡°‘π°«à“ 12 ß«¥¢÷Èπ‰ª - 18,034 √«¡ 635,245 610,483 À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (18,291) (28,869) ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π - ÿ∑∏‘ 616,954 581,614

10.3 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ®”π«π‡ß‘π¢—ÈπμË”∑’ËμâÕß®à“¬μ“¡ —≠≠“‡™à“°“√‡ß‘π ·≈–¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß

®”π«π‡ß‘π¢—ÈπμË”∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬μ“¡ —≠≠“‡™à“°“√‡ß‘π· ¥ß‰¥â¥—ßπ’È (Àπà«¬: æ—π∫“∑)

ß∫°“√‡ß‘π√«¡ 2554 2553 ®”π«π‡ß‘π¢—ÈπμË” ¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß ®”π«π‡ß‘π¢—ÈπμË” ¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß μ“¡ —≠≠“‡™à“ ®”π«π‡ß‘π¢—ÈπμË” μ“¡ —≠≠“‡™à“ ®”π«π‡ß‘π¢—ÈπμË” °“√‡ß‘π ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ °“√‡ß‘π ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ ¿“¬„πÀπ÷Ëßªï 349,878 310,330 353,596 314,720

‡°‘πÀπ÷Ëßªï·μà‰¡à‡°‘πÀâ“ªï 352,193 324,915 318,635 295,763

√«¡ 702,071 635,245 672,231 610,483

À—°: ¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â (66,826) (61,748)

¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß®”π«π‡ß‘π¢—ÈπμË”∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ 635,245 610,483

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 67

10.4 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â ( ÿ∑∏‘®“°¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”π«π√«¡ 10.07 ≈â“π∫“∑ ·≈– 20.66 ≈â“π∫“∑ μ“¡≈”¥—∫

10.5 —≠≠“‡™à“°“√‡ß‘π¢Õß∫√‘…—∑¬àÕ¬¡’√–¬–‡«≈“μ“¡ —≠≠“‚¥¬ª√–¡“≥ 36 - 60 ‡¥◊Õπ ·≈–¡’°”Àπ¥°“√®à“¬§à“ß«¥

‡∑à“°—π∑ÿ°ß«¥

11. ≈Ÿ°Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 11.1 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß ª√–°Õ∫¥â«¬

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡

2554 2553 ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 1,099,667 892,744 À—°: ‡®â“Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß (233,711) (181,159) À—°: ¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â - (6) 865,956 711,579 À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (34,785) (33,283) ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ 831,171 678,296

11.2 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ ®”·π°μ“¡Õ“¬ÿÀπ’È ‰¥â¥—ßπ’È (Àπà«¬: æ—π∫“∑)

ß∫°“√‡ß‘π√«¡ Õ“¬ÿÀπ’È§â“ß™”√– 2554 2553

¬—ß‰¡à§√∫°”Àπ¥™”√– 785,017 652,341 §â“ß™”√– 1 ‡¥◊Õπ - 3 ‡¥◊Õπ 50,351 27,937 4 ‡¥◊Õπ - 6 ‡¥◊Õπ 4,484 3,907 7 ‡¥◊Õπ - 12 ‡¥◊Õπ 5,600 3,894 ‡°‘π°«à“ 12 ‡¥◊Õπ¢÷Èπ‰ª 20,504 23,500 √«¡ 865,956 711,579 À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (34,785) (33,283) ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ 831,171 678,296

11.3 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â ( ÿ∑∏‘®“° ‡®â“Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß) ®”π«π 19.33 ≈â“π∫“∑ ·≈– 22.23 ≈â“π∫“∑ μ“¡≈”¥—∫

68 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

12. ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ 12.1 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡· ¥ß‰¥â¥—ßπ’È

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡∑’Ë∂÷ß ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡∑’Ë∂÷ß °”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï °”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï √«¡ 2554 2553 2554 2553 2554 2553 ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ 44,764 22,235 15,467 - 60,231 22,235

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (297) (90) (100) - (397) (90)

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ - ÿ∑∏‘ 44,467 22,145 15,367 - 59,834 22,145

(Àπà«¬: æ—π∫“∑)

ß∫°“√‡ß‘π‡©æ“–°‘®°“√ ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡∑’Ë∂÷ß ∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï °”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï √«¡ 2554 2553 2554 2553 2554 2553 ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ 44,764 18,013 15,467 - 60,231 18,013

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (297) (56) (100) - (397) (56)

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ - ÿ∑∏‘ 44,467 17,957 15,367 - 59,834 17,957

12.2 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡®”·π°μ“¡Õ“¬ÿÀπ’È ‰¥â¥—ßπ’È

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ Õ“¬ÿÀπ’È§â“ß™”√– 2554 2553 2554 2553 ¬—ß‰¡à§√∫°”Àπ¥™”√– 56,159 21,910 56,159 17,688

§â“ß™”√–

1 ß«¥ - 3 ß«¥ 3,636 261 3,636 261

4 ß«¥ - 6 ß«¥ 404 35 404 35

7 ß«¥ - 12 ß«¥ 16 18 16 18

‡°‘π°«à“ 12 ß«¥¢÷Èπ‰ª 16 11 16 11

√«¡ 60,231 22,235 60,231 18,013

À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (397) (90) (397) (56)

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ - ÿ∑∏‘ 59,834 22,145 59,834 17,957

13. °“√ª√—∫‚§√ß √â“ßÀπ’È∑’Ë¡’ªí≠À“/°“√ºàÕπª√π‡ß◊ËÕπ‰¢°“√™”√–Àπ’È °“√ª√—∫‚§√ß √â“ßÀπ’È¢Õß∫√‘…—∑¬àÕ¬ ÷Ëß‡ªìπ°“√‡ª≈’Ë¬π·ª≈ß‡ß◊ËÕπ‰¢°“√™”√–Àπ’È¢Õß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ·≈– —≠≠“‡™à“°“√‡ß‘π„π√–À«à“ßªï· ¥ß‰¥â¥—ßπ’È

2554 2553 ®”π«π≈Ÿ°Àπ’È∑’Ëª√—∫‚§√ß √â“ßÀπ’È - 5 ¬Õ¥§ß‡À≈◊Õμ“¡∫—≠™’°àÕπ°“√ª√—∫‚§√ß √â“ßÀπ’È (≈â“π∫“∑) - 7 º≈¢“¥∑ÿπ®“°°“√ª√—∫‚§√ß √â“ßÀπ’È∑’Ë¡’ªí≠À“ (≈â“π∫“∑) - -

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 69

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ·≈– —≠≠“‡™à“°“√‡ß‘π¢Õß∫√‘…—∑¬àÕ¬∑’Ë‰¥â∑” —≠≠“ª√—∫‚§√ß √â“ßÀπ’È¿“¬„μâ°“√‡ª≈’Ë¬π·ª≈ß‡ß◊ËÕπ‰¢°“√™”√–Àπ’È∑—Èß ‘Èπ· ¥ß‰¥â¥—ßπ’È

2554 2553 ®”π«π≈Ÿ°Àπ’È∑’Ëª√—∫‚§√ß √â“ßÀπ’È 63 117 ®”π«π√“¬≈Ÿ°Àπ’È∑—ÈßÀ¡¥ ≥ «—π ‘Èπªï 1,723 1,639 ¬Õ¥§ß‡À≈◊Õ¢Õß∫—≠™’≈Ÿ°Àπ’È∑’Ë¡’°“√ª√—∫‚§√ß √â“ßÀπ’È·≈â« (≈â“π∫“∑) 42 101

πÕ°®“°π’È„π™à«ßª≈“¬ªï 2554 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¥â„Àâ§«“¡™à«¬‡À≈◊Õ≈Ÿ°Àπ’È∫“ß√“¬∑’Ë¡’ª√–«—μ‘°“√™”√–Àπ’È¥’´÷Ëß‰¥â√—∫º≈°√–∑∫®“°‡Àμÿ°“√≥åÕÿ∑°¿—¬∑’Ë‡°‘¥¢÷Èπ ‚¥¬°“√‡≈◊ËÕπ°”Àπ¥°“√™”√–§à“ß«¥À√◊Õª√—∫≈¥§à“ß«¥„π√–¬–‡«≈“Àπ÷Ëß ∑—Èßπ’È ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ≈Ÿ°Àπ’È¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬∑’Ë‰¥â√—∫°“√ºàÕπª√π‡ß◊ËÕπ‰¢°“√™”√–Àπ’ÈÕ—π‡π◊ËÕß¡“®“°‡Àμÿ°“√≥å¥—ß°≈à“«¡’®”π«π 769 —≠≠“ ‚¥¬¡’¬Õ¥§ß‡À≈◊Õμ“¡∫—≠™’ 508 ≈â“π∫“∑ (‡©æ“–¢Õß∫√‘…—∑œ: ®”π«π 702 —≠≠“ ‚¥¬¡’¬Õ¥§ß‡À≈◊Õμ“¡∫—≠™’ 422 ≈â“π∫“∑)

14. ‘π∑√—æ¬å√Õ°“√¢“¬ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ‘π∑√—æ¬å√Õ°“√¢“¬· ¥ß‰¥â¥—ßπ’È

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2554 2553 2554 2553 ‘π∑√—æ¬å√Õ°“√¢“¬ 33,979 38,462 26,335 18,464

À—°: §à“‡º◊ËÕ°“√≈¥¡Ÿ≈§à“ (9,842) (16,329) (4,003) (5,563)

‘π∑√—æ¬å√Õ°“√¢“¬ - ÿ∑∏‘ 24,137 22,133 22,332 12,901

15. ‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬ ‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬μ“¡∑’Ë· ¥ßÕ¬Ÿà„πß∫°“√‡ß‘π‡©æ“–°‘®°“√ ¡’√“¬≈–‡Õ’¬¥¥—ßμàÕ‰ªπ’È

(Àπà«¬: æ—π∫“∑) ∫√‘…—∑ ∑ÿπ‡√’¬°™”√–·≈â« —¥ à«π‡ß‘π≈ß∑ÿπ √“§“∑ÿπ ‡ß‘πªíπº≈√—∫√–À«à“ßªï 2554 2553 2554 2553 2554 2553 2554 2553 (æ—π∫“∑) (æ—π∫“∑) (√âÕ¬≈–) (√âÕ¬≈–) ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å

·ª ‘øî§≈’ ®”°—¥ (¡À“™π) 438,500 438,500 99.99 99.99 446,914 446,914 17,540 6,577

16. ‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ· ¥ß‰¥â¥—ßπ’È

(Àπà«¬: æ—π∫“∑) ∑ÿπ‡√’¬° —¥ à«π ß∫°“√‡ß‘π√«¡ ≈—°…≥–∏ÿ√°‘® ™”√–·≈â« ‡ß‘π≈ß∑ÿπ 2554 2553 (æ—π∫“∑) (√âÕ¬≈–) ‡ß‘π≈ß∑ÿπ∑—Ë«‰ª ∫√‘…—∑ ∫“ß°Õ°§≈—∫ ®”°—¥ ®”Àπà“¬Õ“À“√·≈–‡§√◊ËÕß¥◊Ë¡ 450,000 0.14 1,140 1,140 À—°: §à“‡º◊ËÕ°“√¥âÕ¬§à“‡ß‘π≈ß∑ÿπ (829) (856) √«¡‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ - ÿ∑∏‘ 311 284

70 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

17. ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å (Àπà«¬: æ—π∫“∑)

ß∫°“√‡ß‘π√«¡ ‡§√◊ËÕßμ°·μàß à«πª√—∫ª√ÿß μ‘¥μ—Èß·≈– Õ“§“√√–À«à“ß ∑’Ë¥‘π Õ“§“√ Õÿª°√≥å ¬“πæ“Àπ– °àÕ √â“ß √«¡ √“§“∑ÿπ

≥ «—π∑’Ë 1 ¡°√“§¡ 2553 2,430 6,770 84,879 39,199 2,945 136,223

´◊ÈÕ‡æ‘Ë¡ - - 12,548 4,627 - 17,175

‚Õπ‡¢â“(ÕÕ°) - - 2,945 - (2,945) -

¢“¬·≈–μ—¥®”Àπà“¬ - - (2,362) (4,190) - (6,552)

≥ «—π∑’Ë 31 ∏—π«“§¡ 2553 2,430 6,770 98,010 39,636 - 146,846

´◊ÈÕ‡æ‘Ë¡ - - 9,099 13,689 - 22,788

‚ÕπÕÕ° - - (48) - - (48)

¢“¬·≈–μ—¥®”Àπà“¬ - - (2,853) (1,715) - (4,568)

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 2,430 6,770 104,208 51,610 - 165,018

(Àπà«¬: æ—π∫“∑)

ß∫°“√‡ß‘π√«¡ ‡§√◊ËÕßμ°·μàß à«πª√—∫ª√ÿß μ‘¥μ—Èß·≈– Õ“§“√√–À«à“ß ∑’Ë¥‘π Õ“§“√ Õÿª°√≥å ¬“πæ“Àπ– °àÕ √â“ß √«¡ §à“‡ ◊ËÕ¡√“§“ – ¡

≥ «—π∑’Ë 1 ¡°√“§¡ 2553 - 5,100 67,594 24,855 - 97,549

§à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï - 145 7,701 6,135 - 13,981

§à“‡ ◊ËÕ¡√“§“ – ¡ ”À√—∫

à«π∑’Ë¢“¬·≈–μ—¥®”Àπà“¬ - - (2,362) (4,190) - (6,552)

≥ «—π∑’Ë 31 ∏—π«“§¡ 2553 - 5,245 72,933 26,800 - 104,978

§à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï - 110 8,632 6,127 - 14,869

§à“‡ ◊ËÕ¡√“§“ – ¡ ”À√—∫

à«π∑’Ë¢“¬·≈–μ—¥®”Àπà“¬ - - (2,900) (1,715) - (4,615)

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 - 5,355 78,665 31,212 - 115,232

¡Ÿ≈§à“ ÿ∑∏‘μ“¡∫—≠™’

≥ «—π∑’Ë 31 ∏—π«“§¡ 2553 2,430 1,525 25,077 12,836 - 41,868

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 2,430 1,415 25,543 20,398 - 49,786

§à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï

2553 13,981

2554 14,869

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 71

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√ ‡§√◊ËÕßμ°·μàß à«πª√—∫ª√ÿß μ‘¥μ—Èß·≈– Õ“§“√√–À«à“ß ∑’Ë¥‘π Õ“§“√ Õÿª°√≥å ¬“πæ“Àπ– °àÕ √â“ß √«¡ √“§“∑ÿπ

≥ «—π∑’Ë 1 ¡°√“§¡ 2553 2,430 6,770 68,220 29,076 2,945 109,441

´◊ÈÕ‡æ‘Ë¡ - - 12,149 3,111 - 15,260

‚Õπ‡¢â“ (ÕÕ°) - - 2,945 - (2,945) -

¢“¬·≈–μ—¥®”Àπà“¬ - - (2,005) (4,190) - (6,195)

≥ «—π∑’Ë 31 ∏—π«“§¡ 2553 2,430 6,770 81,309 27,997 - 118,506

´◊ÈÕ‡æ‘Ë¡ - - 8,001 13,213 - 21,214

‚ÕπÕÕ° - - (48) - - (48)

¢“¬·≈–μ—¥®”Àπà“¬ - - (2,521) (1,266) - (3,787)

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 2,430 6,770 86,741 39,944 - 135,885 §à“‡ ◊ËÕ¡√“§“ – ¡

≥ «—π∑’Ë 1 ¡°√“§¡ 2553 - 5,100 52,946 17,584 - 75,630

§à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï - 145 6,652 3,907 - 10,704

§à“‡ ◊ËÕ¡√“§“ – ¡ ”À√—∫

à«π∑’Ë¢“¬·≈–μ—¥®”Àπà“¬ - - (2,005) (4,190) - (6,195)

≥ «—π∑’Ë 31 ∏—π«“§¡ 2553 - 5,245 57,593 17,301 - 80,139

§à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï 110 7,875 4,675 - 12,660

§à“‡ ◊ËÕ¡√“§“ – ¡ ”À√—∫

à«π∑’Ë¢“¬·≈–μ—¥®”Àπà“¬ - - (2,568) (1,266) - (3,834)

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 - 5,355 62,900 20,710 - 88,965

¡Ÿ≈§à“ ÿ∑∏‘μ“¡∫—≠™’

≥ «—π∑’Ë 31 ∏—π«“§¡ 2553 2,430 1,525 23,716 10,696 - 38,367

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 2,430 1,415 23,841 19,234 - 46,920

§à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï

2553 10,704

2554 12,660

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’Õÿª°√≥å·≈–¬“πæ“Àπ–®”π«πÀπ÷Ëß´÷Ëßμ—¥§à“‡ ◊ËÕ¡√“§“À¡¥·≈â«·μà¬—ß„™âß“πÕ¬Ÿà ¡Ÿ≈§à“μ“¡∫—≠™’°àÕπÀ—°§à“‡ ◊ËÕ¡√“§“ – ¡¢ÕßÕÿª°√≥å¥—ß°≈à“«¡’®”π«π‡ß‘πª√–¡“≥ 81.67 ≈â“π∫“∑ ·≈– 70.47 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ: 61.03 ≈â“π∫“∑ ·≈– 57.79 ≈â“π∫“∑ μ“¡≈”¥—∫)

72 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

18. ‘π∑√—æ¬å‰¡à¡’μ—«μπ ¡Ÿ≈§à“μ“¡∫—≠™’¢Õß ‘π∑√—æ¬å‰¡à¡’μ—«μπ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 · ¥ß‰¥â¥—ßπ’È

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ ‚ª√·°√¡ ‚ª√·°√¡ ‚ª√·°√¡ §Õ¡æ‘«‡μÕ√å ‚ª√·°√¡ §Õ¡æ‘«‡μÕ√å §Õ¡æ‘«‡μÕ√å √–À«à“ßμ‘¥μ—Èß √«¡ §Õ¡æ‘«‡μÕ√å √–À«à“ßμ‘¥μ—Èß √«¡ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554:

√“§“∑ÿπ 32,302 1,849 34,151 24,991 1,849 26,840

À—°: §à“μ—¥®”Àπà“¬ – ¡ (9,777) - (9,777) (7,044) - (7,044)

¡Ÿ≈§à“μ“¡∫—≠™’ - ÿ∑∏‘ 22,525 1,849 24,374 17,947 1,849 19,796

≥ «—π∑’Ë 31 ∏—π«“§¡ 2553:

√“§“∑ÿπ 26,121 5,392 31,513 23,207 1,849 25,056

À—°: §à“μ—¥®”Àπà“¬ – ¡ (7,052) - (7,052) (4,689) - (4,689)

¡Ÿ≈§à“μ“¡∫—≠™’ - ÿ∑∏‘ 19,069 5,392 24,461 18,518 1,849 20,367

°“√°√–∑∫¬Õ¥¡Ÿ≈§à“μ“¡∫—≠™’¢Õß ‘π∑√—æ¬å‰¡à¡’μ—«μπ ”À√—∫ªï 2554 ·≈– 2553 · ¥ß‰¥â¥—ßπ’È

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2554 2553 2554 2553 ¡Ÿ≈§à“μ“¡∫—≠™’μâπªï 24,461 23,484 20,367 19,297

´◊ÈÕ´Õø·«√å§Õ¡æ‘«‡μÕ√å 2,638 3,311 1,784 3,311

§à“μ—¥®”Àπà“¬ (2,725) (2,334) (2,355) (2,241)

¡Ÿ≈§à“μ“¡∫—≠™’ª≈“¬ªï 24,374 24,461 19,796 20,367

19. ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ —≠≠“‡™à“°“√‡ß‘π·≈–≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß®”π«π√«¡ 173.76 ≈â“π∫“∑ ·≈– 170.17 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ®”π«π 54.60 ≈â“π∫“∑ ·≈– 63.30 ≈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∫· ¥ß∞“π–°“√‡ß‘π ∫√‘…—∑œ‰¥âμ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‰«â‡μÁ¡®”π«π ”À√—∫≈Ÿ°Àπ’È¥—ß°≈à“«‚¥¬‰¡àÀ—°À≈—°ª√–°—π à«π∫√‘…—∑¬àÕ¬‰¥âμ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‡μÁ¡®”π«π¿“¬À≈—ß®“°À—°À≈—°ª√–°—π·≈â« πÕ°®“°π—Èπ ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ¬—ß√«¡∂÷ß≈Ÿ°Àπ’È®“°¿“√–§È”ª√–°—π´÷Ëß∫√‘…—∑¬àÕ¬‰¥â™”√–Àπ’È·∑π≈Ÿ°Àπ’È®”π«πª√–¡“≥ 22.49 ≈â“π∫“∑ ·≈–∫√‘…—∑¬àÕ¬‰¥âμ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‰«â‡μÁ¡®”π«π

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 73

20. ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∏π“§“√ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∏π“§“√ª√–°Õ∫¥â«¬

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2554 2553 2554 2553 ‡ß‘π‡∫‘°‡°‘π∫—≠™’ 18,910 46,300 18,910 46,300

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∏π“§“√ 2,880,000 2,703,499 2,560,000 1,860,000

√«¡ 2,898,910 2,749,799 2,578,910 1,906,300

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ‡ªìπ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑®“°∏π“§“√À≈“¬·Ààß ÷Ëß§‘¥¥Õ°‡∫’È¬„πÕ—μ√“≈Õ¬μ—«·≈–§ß∑’Ë ‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ¥—ß°≈à“«¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®”π«π 520 ≈â“π∫“∑ ·≈– 570 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ: 520 ≈â“π∫“∑ ·≈– 540 ≈â“π∫“∑ μ“¡≈”¥—∫) ‡ªìπ‡ß‘π°Ÿâ¬◊¡∑’Ë‰¡à¡’ À≈—°ª√–°—π à«π‡ß‘π°Ÿâ¬◊¡Õ◊Ëπ§È”ª√–°—π‚¥¬ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑œμ“¡∑’Ë°≈à“«„πÀ¡“¬‡Àμÿ¢âÕ 9.5

21. ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‡ªìπ‡ß‘π°Ÿâ¬◊¡∑’Ë‰¡à¡’À≈—°ª√–°—π ´÷Ëß· ¥ß‰¥â¥—ßπ’È

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2554 2553 2554 2553 μ—Î«·≈°‡ß‘π - √“§“μ“¡¡Ÿ≈§à“ 4,267,800 2,962,900 4,157,800 2,952,900

À—°: ¥Õ°‡∫’È¬®à“¬≈à«ßÀπâ“ (37,454) (14,192) (34,364) (14,179)

μ—Î«·≈°‡ß‘π - ÿ∑∏‘ 4,230,346 2,948,708 4,123,436 2,938,721

μ—Î« —≠≠“„™â‡ß‘π 40,000 10,000 40,000 10,000

ÿ∑∏‘ 4,270,346 2,958,708 4,163,436 2,948,721

22. ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«¢Õß∫√‘…—∑œ‡ªìπ‡ß‘π°Ÿâ¬◊¡®“°∏π“§“√„πª√–‡∑»„π °ÿ≈∫“∑ ´÷Ëß¡’√“¬≈–‡Õ’¬¥¥—ßμàÕ‰ªπ’È

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡/ß∫°“√‡ß‘π‡©æ“–°‘®°“√ ¬Õ¥§ß‡À≈◊Õ¢Õß‡ß‘π°Ÿâ¬◊¡ §√∫°”Àπ¥™”√– Õ—μ√“¥Õ°‡∫’È¬§ß∑’Ë Õ—μ√“¥Õ°‡∫’È¬≈Õ¬μ—« √«¡ ¿“¬„πªï 2555 - 1,300,000 1,300,000 ¿“¬„πªï 2556 4,300,000 - 4,300,000 √«¡ 4,300,000 1,300,000 5,600,000

74 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

‡ß‘π°Ÿâ¬◊¡¥—ß°≈à“«§È”ª√–°—π‚¥¬ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑œμ“¡∑’Ë°≈à“«„πÀ¡“¬‡Àμÿ¢âÕ 9.5 —≠≠“°Ÿâ¬◊¡¥—ß°≈à“«‰¥â√–∫ÿ¢âÕªØ‘∫—μ‘·≈–¢âÕ°”Àπ¥∫“ßª√–°“√ ÷Ëß√«¡∂÷ß°“√¥”√ß —¥ à«π°“√∂◊ÕÀÿâπ¢ÕßºŸâ∂◊ÕÀÿâπ√“¬„À≠à Õ—μ√“ à«πÀπ’È ‘πμàÕ à«π∑ÿπ·≈–¢âÕ®”°—¥„π°“√®à“¬ ‡ß‘πªíπº≈„π°√≥’∑’Ë∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬º‘¥π—¥™”√–‡ß‘π°Ÿâ¬◊¡À√◊Õ ‰¡à “¡“√∂ªØ‘∫—μ‘μ“¡¢âÕ°”Àπ¥∑’Ë√–∫ÿ‰«â„π —≠≠“‡ß‘π°Ÿâ¬◊¡‰¥â

23. Àÿâπ°Ÿâ™π‘¥‰¡à¡’ª√–°—π (Àπà«¬: æ—π∫“∑)

ß∫°“√‡ß‘π√«¡·≈– ß∫°“√‡ß‘π‡©æ“–°‘®°“√ Àÿâπ°Ÿâ - √“§“μ“¡¡Ÿ≈§à“ 700,000 À—° : §à“„™â®à“¬„π°“√ÕÕ°Àÿâπ°Ÿâ√Õμ—¥∫—≠™’ (686) Àÿâπ°Ÿâ - ÿ∑∏‘ 699,314

‡¡◊ËÕ«—π∑’Ë 14 æƒ…¿“§¡ 2553 ·≈–«—π∑’Ë 23 °—π¬“¬π 2553 ∫√‘…—∑œ‰¥âÕÕ°Àÿâπ°Ÿâ®”π«π 500 ≈â“π∫“∑·≈– 200 ≈â“π∫“∑ Õ“¬ÿ 3 ªï ·≈–¡’Õ—μ√“¥Õ°‡∫’È¬§ß∑’Ë °”Àπ¥™”√–¥Õ°‡∫’È¬∑ÿ° 3 ‡¥◊Õπ Àÿâπ°Ÿâ¥—ß°≈à“«ª√–°Õ∫¥â«¬Àÿâπ°Ÿâ®”π«π 700,000 Àπà«¬ ¡Ÿ≈§à“∑’Ëμ√“‰«â 1,000 ∫“∑μàÕÀπà«¬ ·≈–‡ªìπÀÿâπ°Ÿâ™π‘¥√–∫ÿ™◊ËÕºŸâ∂◊Õ ‰¡à¥âÕ¬ ‘∑∏‘ ·≈–‰¡à¡’À≈—°ª√–°—π ∑—Èßπ’È ¿“¬„μâ¢âÕ°”Àπ¥ ‘∑∏‘·≈–Àπâ“∑’Ë¢ÕßºŸâÕÕ°Àÿâπ°Ÿâ ∫√‘…—∑œμâÕßªØ‘∫—μ‘μ“¡¢âÕ°”Àπ¥·≈–Àπâ“∑’Ë∫“ßª√–°“√ ÷Ëß√«¡∂÷ß°“√¥”√ßÕ—μ√“ à«πÀπ’È ‘πμàÕ∑ÿπ (Debt to Equity Ratio) ¢Õßß∫°“√‡ß‘π√«¡‰¡à‡°‘π 10:1 ≥ «—π ‘Èπß«¥∫—≠™’¢Õß·μà≈–ªïμ≈Õ¥Õ“¬ÿ¢ÕßÀÿâπ°Ÿâ·≈–°“√ªØ‘∫—μ‘μ“¡¢âÕ°”Àπ¥„π°“√®à“¬‡ß‘πªíπº≈

24. ”√Õßº≈ª√–‚¬™πå√–¬–¬“«¢Õßæπ—°ß“π ®”π«π‡ß‘π ”√Õßº≈ª√–‚¬™πå√–¬–¬“«¢Õßæπ—°ß“π ÷Ëß‡ªìπ‡ß‘π™¥‡™¬æπ—°ß“π‡¡◊ËÕÕÕ°®“°ß“π ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 · ¥ß‰¥â¥—ßπ’È

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ ”√Õßº≈ª√–‚¬™πå√–¬–¬“«¢Õßæπ—°ß“π∫—π∑÷°μ“¡π‚¬∫“¬°“√∫—≠™’‡¥‘¡ 1,285 1,285 º≈ – ¡®“°°“√‡ª≈’Ë¬π·ª≈ßπ‚¬∫“¬°“√∫—≠™’‡°’Ë¬«°—∫º≈ª√–‚¬™πå¢Õß æπ—°ß“π‚¥¬ª√—∫°—∫°”‰√ – ¡μâπªï (À¡“¬‡Àμÿ 5) 35,525 30,465 μâπ∑ÿπ∫√‘°“√„πªí®®ÿ∫—π 4,313 3,253 μâπ∑ÿπ¥Õ°‡∫’È¬ 2,055 1,807 ¢“¥∑ÿπ®“°°“√ª√–¡“≥°“√μ“¡À≈—°§≥‘μ»“ μ√åª√–°—π¿—¬ 801 761 º≈ª√–‚¬™πå∑’Ë®à“¬„π√–À«à“ßªï (1,285) (1,285) ¬Õ¥§ß‡À≈◊Õª≈“¬ªï 42,694 36,286

§à“„™â®à“¬‡°’Ë¬«°—∫º≈ª√–‚¬™πå√–¬–¬“«¢Õßæπ—°ß“π√«¡Õ¬Ÿà „π°”‰√À√◊Õ¢“¥∑ÿπ√«¡ ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2554 ®”π«π 7.17 ≈â“π∫“∑ (‡©æ“–¢Õß∫√‘…—∑œ: 5.82 ≈â“π∫“∑) ¡¡μ‘∞“π∑’Ë ”§—≠„π°“√ª√–¡“≥°“√μ“¡À≈—°§≥‘μ»“ μ√åª√–°—π¿—¬ ≥ «—πª√–‡¡‘π √ÿª‰¥â¥—ßπ’È

ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2554 2554 (√âÕ¬≈–μàÕªï) (√âÕ¬≈–μàÕªï) Õ—μ√“§‘¥≈¥ 3.90 3.90 Õ—μ√“°“√¢÷Èπ‡ß‘π‡¥◊Õπ„πÕπ“§μ 6.00 6.00 Õ—μ√“°“√‡ª≈’Ë¬π·ª≈ß„π®”π«πæπ—°ß“π (¢÷Èπ°—∫™à«ßÕ“¬ÿ) 2.00 - 16.00 2.00 - 16.00

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 75

25. √“¬°“√∏ÿ√°‘®°—∫∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π „π√–À«à“ßªï ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’√“¬°“√∏ÿ√°‘®∑’Ë ”§—≠°—∫∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π √“¬°“√∏ÿ√°‘®¥—ß°≈à“«‡ªìπ‰ªμ“¡‡ß◊ËÕπ‰¢∑“ß°“√§â“·≈–‡°≥±åμ“¡∑’Ëμ°≈ß°—π√–À«à“ß∫√‘…—∑œ·≈–∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π‡À≈à“π—Èπ ´÷Ëß‡ªìπ‰ªμ“¡ª°μ‘∏ÿ√°‘®‚¥¬ “¡“√∂ √ÿª‰¥â¥—ßπ’È

(Àπà«¬: ≈â“π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ π‚¬∫“¬°“√°”Àπ¥√“§“ 2554 2553 2554 2553 ∫√‘…—∑¬àÕ¬ √“¬‰¥â§à“∫√‘À“√®—¥°“√ - - 5.29 10.58 μâπ∑ÿπ∫«°°”‰√ à«π‡æ‘Ë¡„πÕ—μ√“ √âÕ¬≈– 10 √“¬‰¥â§à“∏√√¡‡π’¬¡§È”ª√–°—π - - 1.11 1.00 √âÕ¬≈– 0.5 μàÕªï ¥Õ°‡∫’È¬√—∫ - - 19.87 - „°≈â‡§’¬ß°—∫Õ—μ√“¥Õ°‡∫’È¬¢Õß‡ß‘π°Ÿâ¬◊¡Õ◊Ëπ ∑’Ë¡’‡ß◊ËÕπ‰¢„°≈â‡§’¬ß°—π ∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π ¥Õ°‡∫’È¬√—∫ Õ—μ√“∑’Ë§‘¥°—∫≈Ÿ°§â“∑—Ë«‰ª ∫√‘…—∑ ’‰Õ∑’´’ ‡ÕÁπ‡μÕ√å‰æ√ å (‰∑¬) ®”°—¥ 0.45 0.24 - - √“¬‰¥â§à“∏√√¡‡π’¬¡ Õ—μ√“∑’Ë§‘¥°—∫≈Ÿ°§â“∑—Ë«‰ª ∫√‘…—∑ ’‰Õ∑’´’ ‡ÕÁπ‡μÕ√å‰æ√ å (‰∑¬) ®”°—¥ 0.03 0.01 - - §à“‡™à“·≈–∫√‘°“√ „°≈â‡§’¬ß°—∫Õ—μ√“§à“‡™à“„πÕ“§“√Õ◊Ëπ∑’Ë¡’ ∑”‡≈∑’Ëμ—Èß‡¥’¬«°—π °Õß∑ÿπ√«¡ “∏√ ‘μ’È∑“«‡«Õ√å 18.94 15.30 15.56 11.96 °Õß∑ÿπ√«¡∫“ß°Õ°°“√å‡¥âπ - 0.60 - 0.60 18.94 15.90 15.56 12.56 §à“‡∫’È¬ª√–°—π¿—¬ „°≈â‡§’¬ß°—∫Õ—μ√“‡∫’È¬ª√–°—π¿—¬∑—Ë«‰ª ∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) 1.14 1.11 0.89 0.81 ¥Õ°‡∫’È¬®à“¬ „°≈â‡§’¬ß°—∫Õ—μ√“¥Õ°‡∫’È¬¢Õß‡ß‘π°Ÿâ¬◊¡Õ◊Ëπ ∑’Ë¡’‡ß◊ËÕπ‰¢„°≈â‡§’¬ß°—π ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 114.37 122.75 71.17 78.83 ∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) 2.43 1.76 1.38 0.88 116.80 124.51 72.55 79.71 §à“∏√√¡‡π’¬¡ Standby Letter of Credit ·≈–°“√§È”ª√–°—π „°≈â‡§’¬ß°—∫Õ—μ√“§È”ª√–°—π¢Õß‡ß‘π°Ÿâ¬◊¡ Õ◊Ëπ∑’Ë¡’‡ß◊ËÕπ‰¢„°≈â‡§’¬ß°—π ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 0.71 0.89 - - §à“∏√√¡‡π’¬¡§È”ª√–°—π √âÕ¬≈– 1 μàÕªï ∫√‘…—∑ ‰ø·ππ å‡™’¬≈«—π §Õ√åªÕ‡√™—Ëπ ®”°—¥ - 0.95 - 0.73 ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑œ §à“∏√√¡‡π’¬¡°“√μ√«® Õ∫¿“¬„π 1.00 - 0.50 - „°≈â‡§’¬ßμâπ∑ÿπ®√‘ß

76 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

≈—°…≥–§«“¡ —¡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 ∫√‘…—∑ ‰™≈’ ‚Œ≈¥‘Èß ®”°—¥ ∫√‘…—∑„À≠à¢Õß°≈ÿà¡∫√‘…—∑ ∫√‘…—∑ ‰ø·ππ´å‡™’¬≈«—π §Õ√åªÕ‡√™—Ëπ ®”°—¥ Õ¥’μ∫√‘…—∑„À≠à¢Õß°≈ÿà¡∫√‘…—∑ ∫√‘…—∑ ‰™≈’ ‰ø·ππ´å ®”°—¥ ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑œ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) ∫√‘…—∑¬àÕ¬ ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ ∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ °Õß∑ÿπ√«¡ “∏√´‘μ’È∑“«‡«Õ√å °‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ °Õß∑ÿπ√«¡∫“ß°Õ°°“√å‡¥âπ °‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ ∫√‘…—∑ ´’‰Õ∑’´’ ‡ÕÁπ‡μÕ√å‰æ√ å (‰∑¬) ®”°—¥ ¡’°√√¡°“√√à«¡°—π°—∫ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑œ

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(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2554 2553 2554 2553 ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 423,100 119,936 392,219 20,395

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß

∫√‘…—∑ ´’‰Õ∑’ ’ ‡ÕÁπ‡μÕ√å‰æ√´å (‰∑¬) ®”°—¥ 15,265 - - -

¥Õ°‡∫’È¬§â“ß√—∫

∫√‘…—∑ ´’‰Õ∑’ ’ ‡ÕÁπ‡μÕ√å‰æ√´å (‰∑¬) ®”°—¥ 10 - - -

§à“∏√√¡‡π’¬¡®à“¬≈à«ßÀπâ“

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) - 254 - -

§à“‡∫’È¬ª√–°—π®à“¬≈à«ßÀπâ“

∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) 315 229 117 35

‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —Èπ·°à°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π

∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) - - 845,000 -

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

∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 18,910 76,300 18,910 46,300

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

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

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∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 302 340 191 191

∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) 182 182 182 182

√«¡ 484 522 373 373

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π‡ªìπ ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑ ‰¡à¡’À≈—°ª√–°—π·≈–§‘¥¥Õ°‡∫’È¬„πÕ—μ√“§ß∑’Ë‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 77

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π‡ªìπ‡ß‘π°Ÿâ¬◊¡®“°∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) „π °ÿ≈∫“∑·≈–‰¡à¡’À≈—°ª√–°—π ‚¥¬ √ÿª‰¥â¥—ßπ’È

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ¬Õ¥§ß‡À≈◊Õ¢Õß‡ß‘π°Ÿâ¬◊¡ §√∫°”Àπ¥™”√– Õ—μ√“¥Õ°‡∫’È¬§ß∑’Ë Õ—μ√“¥Õ°‡∫’È¬≈Õ¬μ—« √«¡ ¿“¬„πªï 2555 - 300,000 300,000 ¿“¬„πªï 2556 2,000,000 - 2,000,000 √«¡ 2,000,000 300,000 2,300,000

(Àπà«¬: æ—π∫“∑)

ß∫°“√‡ß‘π‡©æ“–°‘®°“√ ¬Õ¥§ß‡À≈◊Õ¢Õß‡ß‘π°Ÿâ¬◊¡ §√∫°”Àπ¥™”√– Õ—μ√“¥Õ°‡∫’È¬§ß∑’Ë Õ—μ√“¥Õ°‡∫’È¬≈Õ¬μ—« √«¡ ¿“¬„πªï 2556 1,500,000 - 1,500,000

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

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2553 60,000 - ≈¥≈ß√–À«à“ßªï (60,000) - ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 - - ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∏π“§“√∑’Ë‡°’Ë¬«¢âÕß°—π ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2553 30,000 - ‡æ‘Ë¡¢÷Èπ√–À«à“ßªï 1,480,000 670,000 ≈¥≈ß√–À«à“ßªï (1,510,000) (670,000) ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 - -

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

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ ‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —Èπ·°à°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2553 - 1,165,000 ≈¥≈ß√–À«à“ßªï - (320,000) ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 - 845,000

78 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

§à“μÕ∫·∑π°√√¡°“√·≈–ºŸâ∫√‘À“√ „π√–À«à“ßªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’§à“„™â®à“¬º≈ª√–‚¬™πåæπ—°ß“π¢Õß°√√¡°“√·≈–ºŸâ∫√‘À“√ ¥—ßμàÕ‰ªπ’È

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2554 2553 2554 2553 º≈ª√–‚¬™πå√–¬– —Èπ 54,338 45,223 45,010 37,399 º≈ª√–‚¬™πåÀ≈—ßÕÕ°®“°ß“π 1,394 - 1,049 - √«¡ 55,732 45,233 46,059 37,399

¿“√–ºŸ°æ—π·≈–¿“√–§È”ª√–°—π°—∫°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ∫√‘…—∑œ¡’¿“√–§È”ª√–°—π‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ„Àâ·°à∫√‘…—∑¬àÕ¬ „π«ß‡ß‘π®”π«π 250 ≈â“π∫“∑ ·≈– 200 ≈â“π∫“∑ μ“¡≈”¥—∫

26. ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥„πß∫°√–· ‡ß‘π ¥ª√–°Õ∫¥â«¬

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2554 2553 2554 2553 ‡ß‘π ¥·≈–‡ß‘πΩ“°∏π“§“√ 439,989 128,064 407,854 28,274 À—°: ‡ß‘π‡∫‘°‡°‘π∫—≠™’∏π“§“√ (18,910) (46,300) (18,910) (46,300) ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ 421,079 81,764 388,944 (18,026)

27. ”√Õßμ“¡°ÆÀ¡“¬ ¿“¬„μâ∫∑∫—≠≠—μ‘¢Õß¡“μ√“ 116 ·Ààßæ√–√“™∫—≠≠—μ‘∫√‘…—∑¡À“™π®”°—¥ æ.». 2535 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬μâÕß®—¥ √√°”‰√ ÿ∑∏‘ª√–®”ªï à«πÀπ÷Ëß‰«â‡ªìπ∑ÿπ ”√Õß‰¡àπâÕ¬°«à“√âÕ¬≈– 5 ¢Õß°”‰√ ÿ∑∏‘ª√–®”ªïÀ—°¥â«¬¬Õ¥¢“¥∑ÿπ – ¡¬°¡“ (∂â“¡’) ®π°«à“∑ÿπ ”√Õßπ’È®–¡’®”π«π‰¡àπâÕ¬°«à“√âÕ¬≈– 10 ¢Õß∑ÿπ®¥∑–‡∫’¬π ”√Õßμ“¡°ÆÀ¡“¬¥—ß°≈à“«‰¡à “¡“√∂π”‰ª®à“¬‡ß‘πªíπº≈‰¥â

28. §à“„™â®à“¬μ“¡≈—°…≥– √“¬°“√§à“„™â®à“¬μ“¡≈—°…≥–ª√–°Õ∫¥â«¬√“¬°“√§à“„™â®à“¬∑’Ë ”§—≠¥—ßμàÕ‰ªπ’È

(Àπà«¬: æ—π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2554 2553 2554 2553 ‡ß‘π‡¥◊Õπ §à“·√ß·≈–º≈ª√–‚¬™πåÕ◊Ëπ¢Õßæπ—°ß“π 333,524 280,319 268,718 226,374 §à“‡ ◊ËÕ¡√“§“ 14,869 13,981 12,660 10,704 §à“μ—¥®”Àπà“¬ 2,725 2,334 2,355 2,241 §à“‡™à“®à“¬μ“¡ —≠≠“‡™à“¥”‡π‘πß“π 26,856 23,811 22,531 19,373

29. °”‰√μàÕÀÿâπ¢—Èπæ◊Èπ∞“π °”‰√μàÕÀÿâπ¢—Èπæ◊Èπ∞“π§”π«≥‚¥¬°“√À“√°”‰√ ”À√—∫ªï∑’Ë‡ªìπ¢ÕßºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ (‰¡à√«¡°”‰√¢“¥∑ÿπ‡∫Á¥‡ √Á®Õ◊Ëπ) ¥â«¬®”π«π∂—«‡©≈’Ë¬∂à«ßπÈ”Àπ—°¢ÕßÀÿâπ “¡—≠∑’ËÕÕ°Õ¬Ÿà„π√–À«à“ßªï

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 79

30. ¢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√å μ“¡∑’Ë°≈à“«‰«â

31. °Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬·≈–æπ—°ß“π‰¥â√à«¡°—π®—¥μ—Èß°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ¢÷Èπμ“¡æ√–√“™∫—≠≠—μ‘°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ æ.». 2530 ‚¥¬∫√‘…—∑œ ∫√‘…—∑¬àÕ¬ ·≈–æπ—°ß“π®–®à“¬ ¡∑∫‡¢â“°Õß∑ÿπ‡ªìπ√“¬‡¥◊Õπ„πÕ—μ√“√âÕ¬≈– 5 ¢Õß‡ß‘π‡¥◊Õπ °Õß∑ÿπ ”√Õß‡≈’È¬ß™’æπ’È∫√‘À“√‚¥¬∫√‘…—∑À≈—°∑√—æ¬å®—¥°“√°Õß∑ÿπ øîπ—π´à“ ®”°—¥ ·≈–®–®à“¬„Àâ·°àæπ—°ß“π‡¡◊ËÕæπ—°ß“ππ—ÈπÕÕ°®“°ß“πμ“¡√–‡∫’¬∫«à“¥â«¬°Õß∑ÿπ¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ „π√–À«à“ßªï 2554 ·≈– 2553 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¥â®à“¬‡ß‘π ¡∑∫°Õß∑ÿπ‡ªìπ®”π«π‡ß‘π 6.98 ≈â“π∫“∑ ·≈– 5.90 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ: 5.77 ≈â“π∫“∑ ·≈– 4.78 ≈â“π∫“∑ μ“¡≈”¥—∫)

32. Àπ’È ‘π∑’ËÕ“®‡°‘¥¢÷Èπ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ∫√‘…—∑¬àÕ¬¡’¿“√–°“√§È”ª√–°—π≈Ÿ°Àπ’È®“°°“√ ◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·°à∫√‘…—∑Õ◊Ëπ®”π«πª√–¡“≥ 132.14 ≈â“π‡¬π À√◊Õ 54.49 ≈â“π∫“∑ (2553: 5 ≈â“π‡¬π ·≈– 0.23 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“ À√◊Õ 8.75 ≈â“π∫“∑)

33. ‡ß‘πªíπº≈®à“¬ ‡ß‘πªíπº≈∑’Ëª√–°“»®à“¬„πªï 2554 ·≈– 2553 ª√–°Õ∫¥â«¬

(Àπà«¬: ≈â“π∫“∑) ‡ß‘πªíπº≈ Õπÿ¡—μ‘‚¥¬ ‡ß‘πªíπº≈®à“¬ ‡ß‘πªíπº≈®à“¬μàÕÀÿâπ ‡ß‘πªíπº≈®“°°”‰√ªï 2553 ∑’Ëª√–™ÿ¡ “¡—≠ºŸâ∂◊ÕÀÿâπª√–®”ªï‡¡◊ËÕ«—π∑’Ë 26 ‡¡…“¬π 2554 202.40 0.88 ‡ß‘πªíπº≈®“°°”‰√ªï 2552 ∑’Ëª√–™ÿ¡ “¡—≠ºŸâ∂◊ÕÀÿâπª√–®”ªï‡¡◊ËÕ«—π∑’Ë 9 ‡¡…“¬π 2553 133.40 0.58

34. ‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π 34.1 π‚¬∫“¬°“√∫√‘À“√§«“¡‡ ’Ë¬ß

‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π∑’Ë ”§—≠¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬μ“¡∑’Ëπ‘¬“¡Õ¬Ÿà„π¡“μ√∞“π°“√∫—≠™’ ©∫—∫∑’Ë 107 ç°“√· ¥ß√“¬°“√·≈–°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈ ”À√—∫‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘πé ª√–°Õ∫¥â«¬ ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ ≈Ÿ°Àπ’È·≈–‡ß‘π„Àâ°Ÿâ¬◊¡ ‡ß‘π≈ß∑ÿπ ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ ‡ß‘π°Ÿâ¬◊¡√–¬–¬“« ·≈–Àÿâπ°Ÿâ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’§«“¡‡ ’Ë¬ß∑’Ë‡°’Ë¬«¢âÕß°—∫‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π¥—ß°≈à“« ·≈–¡’π‚¬∫“¬°“√∫√‘À“√§«“¡‡ ’Ë¬ß¥—ßπ’È §«“¡‡ ’Ë¬ß¥â“π°“√„Àâ ‘π‡™◊ËÕ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’§«“¡‡ ’Ë¬ß¥â“π°“√„Àâ ‘π‡™◊ËÕ∑’Ë‡°’Ë¬«‡π◊ËÕß°—∫≈Ÿ°Àπ’È·≈–‡ß‘π„Àâ°Ÿâ¬◊¡ ΩÉ“¬∫√‘À“√§«∫§ÿ¡§«“¡‡ ’Ë¬ßπ’È ‚¥¬°“√°”Àπ¥„Àâ¡’π‚¬∫“¬·≈–«‘∏’°“√„π°“√§«∫§ÿ¡ ‘π‡™◊ËÕ∑’Ë‡À¡“– ¡ πÕ°®“°π’È °“√„Àâ ‘π‡™◊ËÕ¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¡à¡’°“√°√–®ÿ°μ—« ‡π◊ËÕß®“°∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’∞“π¢Õß≈Ÿ°§â“∑’ËÀ≈“°À≈“¬°√–®“¬„πÕÿμ “À°√√¡μà“ßÊ ·≈–¡’Õ¬Ÿà®”π«π¡“°√“¬ ®”π«π‡ß‘π Ÿß ÿ¥∑’Ë∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬Õ“®μâÕß Ÿ≠‡ ’¬®“°°“√„Àâ ‘π‡™◊ËÕ§◊Õ¡Ÿ≈§à“μ“¡∫—≠™’¢Õß≈Ÿ°Àπ’È ‡ß‘π„Àâ°Ÿâ¬◊¡·≈–≈Ÿ°Àπ’ÈÕ◊Ëπ∑’Ë· ¥ßÕ¬Ÿà„πß∫· ¥ß∞“π–°“√‡ß‘π §«“¡‡ ’Ë¬ß®“°Õ—μ√“¥Õ°‡∫’È¬ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’§«“¡‡ ’Ë¬ß®“°Õ—μ√“¥Õ°‡∫’È¬∑’Ë ”§—≠Õ—π‡°’Ë¬«‡π◊ËÕß°—∫‡ß‘πΩ“°∏π“§“√ ≈Ÿ°Àπ’È·≈–‡ß‘π„Àâ°Ÿâ¬◊¡ ‡ß‘π‡∫‘°‡°‘π∫—≠™’∏π“§“√·≈–‡ß‘π°Ÿâ¬◊¡

80 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 ‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π∑’Ë ”§—≠ “¡“√∂®—¥μ“¡ª√–‡¿∑Õ—μ√“¥Õ°‡∫’È¬ ·≈– ”À√—∫ ‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π∑’Ë¡’Õ—μ√“¥Õ°‡∫’È¬§ß∑’Ë “¡“√∂·¬°μ“¡«—π∑’Ë§√∫°”Àπ¥À√◊Õ«—π∑’Ë¡’°“√°”Àπ¥Õ—μ√“¥Õ°‡∫’È¬„À¡à (À“°«—π∑’Ë¡’°“√°”Àπ¥Õ—μ√“¥Õ°‡∫’È¬„À¡à∂÷ß°àÕπ) ‰¥â¥—ßπ’È

(Àπà«¬: ≈â“π∫“∑) ß∫°“√‡ß‘π√«¡ Õ—μ√“¥Õ°‡∫’È¬§ß∑’Ë Õ—μ√“¥Õ°‡∫’È¬ ¿“¬„π ¡“°°«à“ 1 ªï ¡“°°«à“ ª√—∫¢÷Èπ≈ßμ“¡ ‰¡à¡’ 1 ªï ∂÷ß 5 ªï 5 ªï √“§“μ≈“¥ Õ—μ√“¥Õ°‡∫’È¬ √«¡ ‘π∑√—æ¬å∑“ß°“√‡ß‘π

- ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ - - - 406.34 33.65 439.99

- ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ 5,800.76 10,218.37 105.12 - - 16,124.25

- ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π 310.33 324.92 - - - 635.25

- ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - - - 865.96 - 865.96

- ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ 44.76 15.47 - - - 60.23

6,155.85 10,558.76 105.12 1,272.30 33.65 18,125.68

Àπ’È ‘π∑“ß°“√‡ß‘π

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

®“°∏π“§“√ 2,880.00 - - 18.91 - 2,898.91

- ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ 4,270.35 - - - - 4,270.35

- ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√

∑’Ë‡°’Ë¬«¢âÕß°—π - 2,000.00 - 300.00 - 2,300.00

- ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√ - 4,300.00 - 1,300.00 - 5,600.00

- Àÿâπ°Ÿâ™π‘¥‰¡à¡’ª√–°—π - 700.00 - - - 700.00

7,150.35 7,000.00 - 1,618.91 - 15,769.26

(Àπà«¬: ≈â“π∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√ Õ—μ√“¥Õ°‡∫’È¬§ß∑’Ë Õ—μ√“¥Õ°‡∫’È¬ ¿“¬„π ¡“°°«à“ 1 ªï ¡“°°«à“ ª√—∫¢÷Èπ≈ßμ“¡ ‰¡à¡’ 1 ªï ∂÷ß 5 ªï 5 ªï √“§“μ≈“¥ Õ—μ√“¥Õ°‡∫’È¬ √«¡ ‘π∑√—æ¬å∑“ß°“√‡ß‘π

- ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ - - - 380.07 27.78 407.85

- ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ 5,217.66 9,643.79 105.12 - - 14,966.57

- ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ 44.76 15.47 - - - 60.23

- ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —Èπ·°à°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π 845.00 - - - - 845.00

6,107.42 9,659.26 105.12 380.07 27.78 16,279.65


- ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∏π“§“√ 2,560.00 - - 18.91 - 2,578.91

- ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ 4,163.44 - - - - 4,163.44

- ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√

∑’Ë‡°’Ë¬«¢âÕß°—π - 1,500.00 - - - 1,500.00

- ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√ - 4,300.00 - 1,300.00 - 5,600.00

- Àÿâπ°Ÿâ™π‘¥‰¡à¡’ª√–°—π - 700.00 - - - 700.00

6,723.44 6,500.00 - 1,318.91 - 14,542.35

∫ √‘ …— ∑ ‡ Õ ‡ ´’ ¬ ‡ √‘ ¡ °‘ ® ≈’ ´‘Ë ß ®Ì “ °— ¥ ( ¡ À “ ™ π ) 81

§«“¡‡ ’Ë¬ß¥â“π ¿“æ§≈àÕß §«“¡‡ ’Ë¬ß¥â“π ¿“æ§≈àÕß §◊Õ §«“¡‡ ’Ë¬ß®“°°“√√–¥¡∑ÿπ·≈–°“√∫√‘À“√®—¥°“√‡ß‘π∑ÿπ¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ ´÷Ëß‡ªìπ§«“¡‡ ’Ë¬ß∑’Ë∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¡à “¡“√∂®—¥À“ ‘π∑√—æ¬å∑’Ë¡’Õ—μ√“μâπ∑ÿπ·≈–«—π§√∫°”Àπ¥∑’Ë‡À¡“– ¡ √«¡∂÷ß§«“¡‡ ’Ë¬ß∑’Ë∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¡à “¡“√∂¢“¬ ‘π∑√—æ¬å∑“ß°“√‡ß‘π‰¥â„π√“§“·≈–√–¬–‡«≈“∑’Ë‡À¡“– ¡ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬∫√‘À“√§«“¡‡ ’Ë¬ßπ’È¥â«¬°“√°√–®“¬·À≈àß‡ß‘π∑ÿπ‚¥¬°“√„™â‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π∑’ËÀ≈“°À≈“¬ ´÷Ëß‰¥â·°à°“√√–¥¡∑ÿπºà“π∑“ß‡ß‘π∑ÿπ·≈–‡ß‘π°Ÿâ ‡§√◊ËÕß¡◊Õ¥—ß°≈à“«∑”„Àâ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’§«“¡¬◊¥À¬ÿàπ„π°“√√–¥¡∑ÿπ·≈–‰¡à®”°—¥°“√≈ß∑ÿπ∑’Ë·À≈àß‡ß‘π∑ÿπ„¥·À≈àß‡ß‘π∑ÿπÀπ÷Ëß‡æ◊ËÕ„Àâ ‰¥âμâπ∑ÿπ‡ß‘π∑ÿπ∑’ËμË” ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬æ¬“¬“¡√—°…“√–¥—∫§«“¡ ¡¥ÿ≈√–À«à“ß§«“¡μàÕ‡π◊ËÕß·≈– ¿“æ§≈àÕß¢Õß‡ß‘π∑ÿπ‚¥¬°“√∫√‘À“√Àπ’È„Àâ¡’«—π∑’Ë§√∫°”Àπ¥™”√–∑’Ë‡À¡“– ¡ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ª√–‡¡‘π§«“¡‡ ’Ë¬ß¥â“π ¿“æ§≈àÕß‚¥¬°“√«‘‡§√“–Àå·≈–μ‘¥μ“¡°“√‡ª≈’Ë¬π·ª≈ß§«“¡μâÕß°“√¢Õß‡ß‘π∑ÿπ‡æ◊ËÕ„Àâ∫√√≈ÿ‡ªÑ“À¡“¬∑“ß∏ÿ√°‘®·≈–·ºπß“π∑’Ë°”Àπ¥‰«â„π°≈¬ÿ∑∏å∑—ÈßÀ¡¥¢Õß ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ πÕ°®“°π’È ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®—¥„Àâ°“√∫√‘À“√ ¿“æ§≈àÕß¢Õß ‘π∑√—æ¬å‡ªìπ à«πÀπ÷Ëß¢Õß °≈¬ÿ∑∏å°“√∫√‘À“√§«“¡‡ ’Ë¬ß¥â“π ¿“æ§≈àÕß

§«“¡‡ ’Ë¬ß®“°Õ—μ√“·≈°‡ª≈’Ë¬π ∫√‘…—∑¬àÕ¬¡’§«“¡‡ ’Ë¬ß®“°Õ—μ√“·≈°‡ª≈’Ë¬π‡ß‘πμ√“μà“ßª√–‡∑»∑’Ë‡°’Ë¬«°—∫¿“√–°“√§È”ª√–°—πμ“¡∑’Ë°≈à“«„πÀ¡“¬‡Àμÿ 32

34.2 ¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ ¡’°“√ª√–¡“≥°“√¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘πμ“¡À≈—°‡°≥±å¥—ßπ’È °) ‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π∑’Ë®–§√∫°”Àπ¥„π√–¬–‡«≈“Õ—π —Èπ ‰¥â·°à ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“

‡ß‘π ¥ ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·≈–‡ß‘π„Àâ°Ÿâ¬◊¡√–¬– —Èπ ‡®â“Àπ’È·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ · ¥ß¡Ÿ≈§à“¬ÿμ‘∏√√¡‚¥¬ª√–¡“≥μ“¡¡Ÿ≈§à“μ“¡∫—≠™’∑’Ë· ¥ß„πß∫· ¥ß∞“π–°“√‡ß‘π

¢) ‡ß‘π≈ß∑ÿπ„πμ√“ “√∑ÿπ · ¥ß¡Ÿ≈§à“¬ÿμ‘∏√√¡μ“¡√“§“μ≈“¥ À√◊Õ À√◊Õ§”π«≥μ“¡À≈—°‡°≥±å°“√ª√–‡¡‘π¡Ÿ≈§à“∑’Ë‡ªìπ∑’Ë¬Õ¡√—∫∑—Ë«‰ª À“°°√≥’‰¡à¡’√“§“μ≈“¥

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

ß) ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«∑’Ë®à“¬¥Õ°‡∫’È¬„πÕ—μ√“„°≈â‡§’¬ß°—∫Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥ · ¥ß¡Ÿ≈§à“¬ÿμ‘∏√√¡‚¥¬ª√–¡“≥μ“¡¡Ÿ≈§à“μ“¡∫—≠™’∑’Ë· ¥ß„πß∫· ¥ß∞“π–°“√‡ß‘π

‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π¢Õß∫√‘…—∑œ ·≈–∫√‘…—∑¬àÕ¬ ¡’¡Ÿ≈§à“¬ÿμ‘∏√√¡„°≈â‡§’¬ß°—∫¡Ÿ≈§à“μ“¡∫—≠™’∑’Ë· ¥ß„πß∫· ¥ß∞“π–°“√‡ß‘π¬°‡«âπ√“¬°“√¥—ßμàÕ‰ªπ’È

(Àπà«¬: ≈â“π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ ¡Ÿ≈§à“μ“¡∫—≠™’ ¡Ÿ≈§à“¬ÿμ‘∏√√¡ ¡Ÿ≈§à“μ“¡∫—≠™’ ¡Ÿ≈§à“¬ÿμ‘∏√√¡ ‘π∑√—æ¬å∑“ß°“√‡ß‘π

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ·≈– —≠≠“‡™à“°“√‡ß‘π 16,604.92 16,641.55 14,860.86 14,897.18


‡ß‘π°Ÿâ¬◊¡ - Õ—μ√“¥Õ°‡∫’È¬§ß∑’Ë 13,450.34 13,369.61 12,523.43 12,452.60

Àÿâπ°Ÿâ™π‘¥‰¡à¡’ª√–°—π 699.31 686.07 699.31 686.07

82 √ “ ¬ ß “ π ª √ – ®Ì “ ªï 2 5 5 4

34.3 °“√∫√‘À“√®—¥°“√∑ÿπ «—μ∂ÿª√– ß§å„π°“√∫√‘À“√®—¥°“√∑ÿπ∑’Ë ”§—≠¢Õß∫√‘…—∑œ §◊Õ °“√®—¥„Àâ¡’´÷Ëß‚§√ß √â“ß∑“ß°“√‡ß‘π∑’Ë‡À¡“– ¡·≈–

°“√¥”√ß‰«â ÷Ëß§«“¡ “¡“√∂„π°“√¥”‡π‘π∏ÿ√°‘®Õ¬à“ßμàÕ‡π◊ËÕß °≈ÿà¡∫√‘…—∑œ∫√‘À“√®—¥°“√ ∂“π–¢Õß∑ÿπ‚¥¬„™âÕ—μ√“ à«πÀπ’È ‘πμàÕ∑ÿπ (Debt-to-Equity Ratio) ‡æ◊ËÕ„Àâ Õ¥§≈âÕß

°—∫‡ß◊ËÕπ‰¢„π —≠≠“‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“° ∂“∫—π°“√‡ß‘π ´÷ËßμâÕß√—°…“√–¥—∫¢ÕßÕ—μ√“ à«πÀπ’È ‘πμàÕ∑ÿππ’È„Àâ ‰¡à‡°‘π 10 μàÕ 1

≥ «—π∑’Ë 31 ∏—π«“§¡ 2554 °≈ÿà¡∫√‘…—∑œ¡’Õ—μ√“ à«πÀπ’È ‘πμàÕ∑ÿπ‡ªìπ 7.90:1.00 (2553: 6.88: 1.00) (‡©æ“–¢Õß ∫√‘…—∑œ: 7.55:1.00 (2553: 6.16:1.00))

„π√–À«à“ßªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2554 ·≈– 2553 ∫√‘…—∑œ‰¡à‰¥â‡ª≈’Ë¬π·ª≈ß«—μ∂ÿª√– ß§å π‚¬∫“¬ À√◊Õ°√–∫«π°“√„π°“√∫√‘À“√®—¥°“√∑ÿπ

35. °“√®—¥ª√–‡¿∑√“¬°“√„πß∫°“√‡ß‘π ‡æ◊ËÕ„Àâ Õ¥§≈âÕß°—∫¢âÕ°”Àπ¥„πª√–°“»°√¡æ—≤π“∏ÿ√°‘®°“√§â“‡°’Ë¬«°—∫°“√®—¥ª√–‡¿∑√“¬°“√„πß∫°“√‡ß‘πμ“¡∑’Ë°≈à“«‰«â„πÀ¡“¬‡Àμÿ 2 ·≈–º≈®“°°“√π”¡“μ√∞“π°“√∫—≠™’©∫—∫„À¡à·≈–©∫—∫ª√—∫ª√ÿß¡“∂◊ÕªØ‘∫—μ‘μ“¡∑’Ë°≈à“«„πÀ¡“¬‡Àμÿ 3 ∫√‘…—∑œ‰¥â®—¥ª√–‡¿∑√“¬°“√∫—≠™’∫“ß√“¬°“√„πß∫°“√‡ß‘π ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2553 „À¡à‡æ◊ËÕ„Àâ Õ¥§≈âÕß°—∫°“√®—¥ª√–‡¿∑√“¬°“√∫—≠™’„πªïªí®®ÿ∫—π ‚¥¬‰¡à¡’º≈°√–∑∫μàÕ°”‰√À√◊Õ à«π¢ÕßºŸâ∂◊ÕÀÿâπμ“¡∑’Ë‰¥â√“¬ß“π‰«â

36. °“√Õπÿ¡—μ‘ß∫°“√‡ß‘π ß∫°“√‡ß‘ππ’È ‰¥â√—∫Õπÿ¡—μ‘„ÀâÕÕ°‚¥¬§≥–°√√¡°“√∫√‘…—∑œ‡¡◊ËÕ«—π∑’Ë 15 °ÿ¡¿“æ—π∏å 2555

A s i a S e r m k i j L e a s i n g P u b l i c C o m p a n y L i m i t e d 83

[ MESSAGE FROM THE BOARD OF DIRECTORS ]

The Board of directors has the pleasure in presenting the Company and its subsidiaryûs annual report and audited financial statements for the year ended December 31, 2011.

ECONOMY & INDUSTRY IN 2011 In 2011, the Thai economy ended up with a dismal GDP growth of only 0.1% substantially declining from the earlier projection of 4.1% and from 7.8% in 2010. In the first 3 quarters of 2011, the economy showed a steady growth with a 9-month GDP growth rate of 3.1%, riding the continuous recovering wave of 2010. However, in the 4th quarter, it suffered an abrupt precipitation of 9% owing to the worst flood crisis in 69 years. The devastating floods took a heavy toll for Baht 1.4 trillion on the 7 industrial estates in the central district where automobile and electronics factories converged as well as on the agricultural and residential areas. As a result, strong domestic demand and buoyant export were suddenly halted due to supply chain disruptions in production and delivery. To stimulate the economic recovery from the flood disaster, the central bank made the first reduction of the reference rate in the past 2 years by 0.25% from 3.5% to 3.25% at the end of November 2011. For the vehicle hire-purchase industry, new car sales dropped by 0.8% from 800,357 units in 2010 to 794,081 units in 2011 due to the forced production stop, leaving a serious backlog of orders. By the same token, robust demand for machinery and working capital was forced to delay in leasing and factoring businesses.

PERFORMANCE IN 2011 The Company and its subsidiary, on a consolidated basis, registered the total assets of THB 18,215 million as of December 31, 2011 increasing 18.3% from THB 15,395 million in 2010 mainly due to the portfolio growth derived from the business expansion. The total disbursements expanded 13.8% from THB 13,141 million in 2010 to THB 14,959 million in 2011. Internally generated funds of THB 332 million from profitable operations relieved the burden of totally relying on the external borrowings to support the assets increase. The equity expanded 4.8% from THB 1,952 million in 2010 to THB 2,046 million in 2011 as a result of the THB 332 million net profit contribution. The financial leverage increased 20.3% from THB 13,443 million in 2010 to THB 16,169 million in 2011. The total revenues advanced 21.5% from THB 1,364 million in 2010 to THB 1,657 million in 2011 as generated by the portfolio growth. The selling and administrative expenses figurewise increased 16.6% from THB 418 million in 2010 to THB 487 million in 2011 but percentagewise decreased from 30.6% of the total revenues in 2010 to 29.4% in 2011. The finance costs figurewise increased 35.9% from THB 459 million in 2010 to THB 624 million in 2011 and percentagewise increased from 33.7% of the total revenues in 2010 to 37.7% in 2011 due to increasing borrowings to support portfolio growth together with rising interest rate. Consequently, the net profit increased 14.3% from THB 290 million in 2010 to THB 332 million in 2011. The net profit margin and the return on equity were 20.0% and 16.6% in 2011 respectively changing from 21.3% and 15.5% in 2010. The total portfolio increased 16.7% from THB 15,153 million as of December 31, 2010 to THB 17,686 million as of December 31, 2011 resulting from the increased disbursements. The NPLs decreased from 0.58% of the total portfolio as of December 31, 2010 to 0.42% at the end of 2011 reflecting well-controlled

84 A N N U A L R E P O R T 2 0 1 1

asset quality. The ratio of Allowance for Doubtful Accounts to NPLs stood at 252.5% at the end of 2011 increasing from 204.5% at the end of 2010, indicating the adequacy of the Companyûs reserve for doubtful debts.

CORPORATE GOVERNANCE The Board of Directors has established a corporate governance policy to encourage the company to enhance efficiency, effectiveness, transparency, and assessability of the management. This eventually will create confidence and long-term benefits of all shareholders, investors, stakeholders and other relevant parties, and strengthen the competitiveness for the sustainable growth of the Company. In 2011, the Company received the çExcellenté grade from the AGM Assessment Program of Listed Companies 2011 organized by the çSecurities and Exchange Commissioné in conjunction with the çThai Investors Associationé. In addition, the company received the announcement of the çGoodé status for the Corporate Governance Report of Thai Listed Companies 2011 published by the çThai Institute of Directors Associationé.

2012 BUSINESS PROSPECT AND STRATEGY The Thai Economy in 2012 is forecasted to grow 4.5% - 5.5%, driven by the public spending to rehabilitate the economy and the private spending to resume the operations. The economy is expected to rebound starting from the first quarter of 2012 and the general business production is anticipated to recover to the pre-flood level in the third quarter this year. In 2012, the hire-purchase industry is projected to keep abreast of the strong rebound of the auto industry which is forecasted at 38% growth over 2011 to reach 1.1 million units thanks to the heavy back orders carried forward and the persistent strong demand. The leasing and factoring industries are also expected to benefit from the post-flood demand increase for the replacement and repurchase of machinery as well as the requirement of working capital. The business strategy is composed of two dimensions. The first dimension relating to the growth strategy is to seek for continuous profitable growth through providing financial services including hire purchase, leasing, factoring, personal loan, and floor plan to individuals and small-and-medium-sized enterprises with credit worthiness up to our prudential credit standards. To pair up with the above growth strategy, the second dimension relating to the competitive strategy is to seek for service differentiation through providing quality, agility and flexibility to the selective target customers in our niche segments. Finally, the Companyûs Board of Directors would like to convey heartfelt gratitude to shareholders, customers, creditors, and employees for their support and confidence.

For and on behalf of the Board of Directors.

Dr. Amnuay Viravan Mr. Lo Jun Long Chairman of the Board of Directors Vice Chairman of the Board of Directors


[ AUDIT COMMITTEEûS REPORT ]

To Shareholders, The Audit Committee of Asia Sermkij Leasing Public Company Limited consists of four independent and non-executive directors whose qualifications are appropriate and in compliance with the regulations stipulated by the Stock Exchange of Thailand and the Office of the Securities and Exchange Commission, namely, 1. Mr. Pradit Sawattananond Chairman of Audit Committee/ Independent Director 2. Mr. Anant Svattananon Member of the Audit Committee/ Independent Director 3. Associate Professor Dr. Supriya Kuandachakupt Member of the Audit Committee/Independent Director 4. Mr. Kasem Akanesuwan Member of the Audit Committee/Independent Director During the year 2011, the Audit Committee held 4 meetings with the Companyûs Management, the internal auditors and the external auditors for the discussion of the related agenda. Among them was one non-management meeting with the external auditors in order to enhance good corporate governance and transparency to the Companyûs financial statements. Each Audit Committee member has dedicated his/her time to attend all the meetings except in the case of necessity for being unable to participate. In the year 2011, the attendance record of each member of the Audit Committee is as follows:: Name No. of Meetings Attended/ No. of Total Meeting (Times) 1. Mr. Pradit Sawattananond 4/4 2. Mr. Anant Svattananon 2/4 3. Associate Professor Dr.Supriya Kuandachakupt 4/4 4. Mr. Kasem Akanesuwan 4/4 The Audit Committee completely performed duties as designated by the Board of Directors and specified in the Audit Committee Charter with prudence and independence in accordance with the terms and best practices for Audit Committees of the Stock Exchange of Thailand. The Audit Committee has conducted the following key activities: 1. Review of the consolidated quarterly and annual financial statements with the external auditors prior to

submission to the Board of Directors in order to ensure that they were prepared in accordance with the generally accepted accounting principles with the adequate and accurate disclosure of information. The review concluded that the financial statements were prepared in accordance with the generally accepted accounting principles and the disclosure of information was adequate, accurate, reliable, and timely..

2. Review of the internal control system with the internal auditors and the external auditors to assess its sufficiency and effectiveness. The Audit Committee reviewed the internal control assessment for the year 2011 with the Assessment Form of Sufficiency of Internal Control System prescribed by the Securities and Exchange Commission (SEC). The review concluded that there was no significant error from the operation and the Companyûs internal control system was sufficient and in compliance with the SECûs requirements.

3. Review of the Companyûs operations to ensure they were in compliance with the Securities and Exchange Acts and the Stock Exchange of Thailandûs regulations and laws relating to the Companyûs business. The review concluded that the Companyûs operations were in compliance with the relevant laws and regulations.

4. Consideration of selection, nomination, and remuneration of the Companyûs external auditors in order to

86 A N N U A L R E P O R T 2 0 1 1

propose to the Board of Directors for approval in the Shareholdersû meeting. The Audit Committee nominated the Ernst & Young Office Limited as the Companyûs external auditors for the year 2012 by considering the auditorûs independence and the performance from the previous year as well as the appropriateness of the audit fee. In addition, the external auditors have no relations with the Company and the subsidiary.

5. Review of the connected transactions or transactions which may cause conflict of interest, including the accuracy and completeness of the Companyûs disclosure of such information, to ensure that they were in compliance with the laws and regulations of the Stock Exchange of Thailand and the Securities and Exchange Commission. The review concluded that they were consistent with the normal business practices, all the required regulations, and the best interest of the Company.

6. Approval of the internal audit plan for the year 2012 with emphasis on a risk-based audit approach for each business function, acknowledgment of the significant audit results, and suggestion and follow-up of the improvement of audit items from the Internal Audit Department. The management concerned was invited to explain the result of the corrective action. The Audit Committee concluded that the internal audit practices were independent, appropriate and contributive to the Companyûs good internal control, risk management, and corporate governance.

7. Review of the risk management report provided by the Risk Management Committee to assure the execution of risk management policy, risk assessment, and risk management procedures, and to give recommendations on the improvement of the efficiency and effectiveness of the Companyûs risk management system. In addition, the Audit Committee imparted enterprise risk management knowledge to employees to recognize the importance of risk management.

8. Acknowledgment of the annual audit report prepared by the internal auditors of Chailease Group, the Companyûs major shareholder, and followed-up of their suggestions on the improvement of the significant issues on a quarterly basis.

9. Conduct of the self-assessment on the audit committee in accordance with the guideline of the Stock Exchange of Thailand. The Audit Committee had the opinion that the Audit Committeeûs practices were in compliance with such guideline with the effective enhancement of the Companyûs good corporate governance.

In conclusion, the Audit Committee concluded that the Companyûs financial statements were prepared in accordance with generally accepted accounting principles with adequate disclosure. The connected transactions, which may cause conflict of interest, were accurate and consistent with the normal business practices. The overall internal control, internal audit, and risk management systems were adequate and effective. Furthermore, the Companyûs endeavor to conduct the operations transparently and ethically in compliance with the relevant laws and regulations and the principles of good corporate governance will create the confidence to the shareholders, investors and all parties concerned.

(Mr. Pradit Sawattananond) Chairman of the Audit Committee


The Board of Directors is responsible for the consolidated financial statement of the company and its subsidiaries which have been prepared in accordance with generally accepted accounting standards in Thailand. The accounting policies pursued are deemed appropriate and applied consistently with adequate disclosure of important information in the notes to financial statements. This is for the benefit of the shareholders and general investors who are entitled to acknowledge the information that is accurate, on time and reasonable. The Board of Directors has appointed the Audit Committee comprising qualified independent directors, to review the quality of financial report and internal control system. The opinion of the Audit Committee is reported in the Audit Committeeûs Report in this annual report. The Board of Directors views that the companyûs internal control system provides reasonable assurance that the financial position and results of operation are presented accurately.

Dr. Amnuay Viravan Mr. Lo Jun Long Chairman of the Board of Vice Chairman of the Board of Directors Directors

[ REPORT OF THE BOARD OF DIRECTORS

RESPONSIBILITIES FOR FINANCIAL STATEMENTS ]

88 A N N U A L R E P O R T 2 0 1 1

[ GENERAL INFORMATION ]

THE COMPANY Company Name : Asia Sermkij Leasing Public Company Limited. Address : Headquarters 24th Fl., Sathorn City Tower, No.175 South Sathorn Road, Tungmahamek, Sathorn, Bangkok 10120 Tel: 0-2679-6226, 0-2679-6262 Fax: 0-2679-6241-3 Rayong Branch No 6, 8 Rayong Center, Sukhumvit Road, Thapradu, Muang, Rayong 21000 Tel: 0-3861-2185, 0-3861-7380, 0-3886-0153-5 Fax: 0-3886-0156 Samutsakorn Branch 6th Floor, A.T. Tower, No. 923/55, Ekachai Road, Mahachai, Muang, Samutsakorn 74000 Tel: 0-3442-6923-33 Fax: 0-3483-7331 Phitsanulok Branch No. 9/7-9 Sing-hawat Road, Ban Klong, Muang, Phitsanulok 65000 Tel: 0-5521-6566 Fax: 0-5528-2630 Homepage : www.ask.co.th Registration No. : 0107546000393 Business : Hire purchase on all types of automobiles and personal loan Issued and fully paid-up shares : Ordinary shares 230,000,000 shares (as at December 31, 2011) Par value : 5 Baht per share Credit Rating : BBB+ with Stable Outlook (rating by TRIS Rating Co., Ltd. on March 29, 2012)

THE SUBSIDIARY Company Name : Bangkok Grand Pacific Lease Public Company Limited Address : 10/1th Fl., Sathorn City Tower, No.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 Business Issued and fully paid-up shares : Ordinary shares 43,850,000 shares (as at December 31, 2011) Par value : 10 Baht per share


REFERENCES Company Secretary : Ms. Maneeporn Korkittisunthorn Corresponding address : 24th Fl., Sathorn City Tower, No.175 South Sathorn Road, Tungmahamek, Sathorn, Bangkok 10120 Tel: 0-2679-6226 Fax: 0-2679-6241-2 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, No. 193/136-137 Rajadapisek Road, Klongtoey, Bangkok 10110 Tel: 0-2264-0777 Fax: 0-2264-0789-90

90 A N N U A L R E P O R T 2 0 1 1

[ FINANCIAL HIGHLIGHTS ]

2011 2010 2009 ASSETS (Million Baht)

Total assets 18,214.88 15,394.84 12,564.67

Hire-purchase receivables - net 15,987.97 13,689.51 10,821.35

Financial lease receivables - net 616.95 581.61 613.41

Factoring receivables - net 831.17 678.30 632.28

LIABILITIES AND SHAREHOLDERSû EQUITY (Million Baht)

Total liabilities 16,168.93 13,442.50 10,768.95

Total shareholdersû equity 2,045.95 1,952.34 1,795.72

OPERATING RESULTS (Million Baht)

Total revenues 1,656.75 1,363.50 1,193.80

Hire-purchase interest income 1,297.18 1,055.24 916.43

Interest income on financial leases 55.91 57.08 65.26

Factoring income 88.17 65.55 65.66

Selling and administrative expense 486.83 417.67 373.38

Bad debts and doubtful accounts 58.70 89.52 113.85

Finance cost 624.36 459.42 419.04

Net profit after tax 331.54 290.02 193.63

PROFITABILITY RATIO

Interest revenue 1/ (%) 8.80 8.61 8.72

Interest expense 1/ (%) 4.31 3.88 4.10

Interest Spread (%) 4.49 4.73 4.62

Net profit margin (%) 20.01 21.27 16.22

Return on equity (%) 16.58 15.48 11.00

Earning per share (Baht/Share) 1.44 1.26 0.84

Book value per share (Baht/Share) 8.90 8.49 7.81

Dividend payout (%) 69.79 68.89 69.42

Dividend per share (Baht/Share) 0.88 0.58 0.54

EFFICIENCY RATIO

Return on asset (%) 1.97 2.07 1.58

Asset turnover (Times) 0.10 0.10 0.10

FINANCIAL RATIO

Debt to equity (Times) 7.90 6.89 6.00

Lendings to borrowings (Times) 1.13 1.16 1.18

NPL to total lendings (%) 0.42 0.58 0.75 Source : Consolidated financial statements of Asia Sermkij Leasing Public Company Limited for the Year 2009 - 2011 audited by

certified public accountant

Note 1/ Interest revenue is an Effective Rate and interest expense includes aval and guarantee fees.


1,193.80

1,363.50

1,656.75

290.02

331.54

Total Revenues : Million Baht Net Profit After Tax : Million Baht

20,000

18,000

16,000

14,000

12,000

10,000 2009 2010 2011

Total Asset : Million Baht

2,200

2,000

1,800

1,600

1,400

12,564.67

15,394.85

18,214.88

Total Shareholderû equity : Million Baht

2009 2010 2011

1,795.72

1,952.34

2,045.95

1,700

1,600

1,500

1,400

1,300

1,200

1,100

1,000 2009 2010 2011 2009 2010 2011

360

300

240

180

120

60

0

193.63

92 A N N U A L R E P O R T 2 0 1 1

94 A N N U A L R E P O R T 2 0 1 1

Overview of Business Operation Asia Sermkij Leasing Public Company Limited (the çCompanyé) was established in Year 1984 by Bangkok Bank Public Company Limited Group to operate hire purchase business for all types of automobiles in the form of new car financing to its customers in Bangkok and metropolitan area. Subsequently the Company has expanded its business into used car hire purchase, personal loan and floor plan financing as well as other services such as auto registration, tax renewal and insurance services. Currently, the Company operates 3 branches in Rayong, Samutsakorn and in Phitsanulok provinces. The Company has 1 subsidiary, namely Bangkok Grand Pacific Lease Public Company Limited (the çSubsidiaryé), which was previously a major shareholder, holding 99.99 percent shares, of the Company prior to the restructuring of the group company in May 2004. Subsequently when the Company planned to be listed on the Stock Exchange of Thailand, the shareholders of Bangkok Grand Pacific Lease Public Company Limited decided to reorganize the shareholding structure by having direct shareholding in the Company and arranging the Bangkok Grand Pacific Lease Public Company Limited to become a subsidiary of the Company.

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 including personal loan & floor plan financing, auto registration, tax renewal and insurance facilitation service. 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 passenger and commercial car, e.g. pickup, van, truck and taxi, etc. Majority of the Companyûs customers are in Bangkok and metropolitan area followed by customers in the central and eastern. The Company is a founding member of Thai Hire Purchase Association which one of the Companyûs management is a director of such association. In addition, the Company is a member of the National Credit Bureau Co., Ltd.

[ NATURE OF BUSINESS ]

Structure and Operation of the Group Company The Company The Subsidiary

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

Asia Sermkij Leasing Public Company Limited

- Automobile hire purchase - Personal loan - Floor plan financing - Auto registration, tax renewal and insurance facilitation service

Bangkok Grand Pacific Lease Public Company Limited *

- Machinery and vehicle leasing - Machinery and vehicle hire purchase - Domestic factoring - International factoring - Insurance facilitation service

99.99%


2. Machinery and Vehicle Leasing / Hire Purchase Business The Subsidiary has commenced its leasing and hire purchase businesses since Year 1989 primarily to corporate customers. The leasing credit includes both financial lease and operating lease. The majority of the business operators utilizing services of the Subsidiary are situated in Bangkok and metropolitan area. The Subsidiary focuses on providing service to small and medium size enterprises in industries with growth and profitability potential such as Electrical Products, Vehicles and Parts, and Services. Assets under leasing and hire purchase agreement include machinery, equipment and vehicle. Leased and hire-purchased machinery of the Subsidiary consists of both new and used machines, particularly durable and liquid machinery whose technology does not change rapidly. Leased and hire-purchased vehicles include various types of both new and used vehicles, i.e. pickup, van and truck, etc. Currently the Subsidiary is a member of Thailand Leasing Association.

3. Factoring Business

The Subsidiary has commenced its factoring business since Year 1999 mainly to the small and medium size corporate customers with good operating performance, strong financial status and repayment ability in the industries with growth potential and the need of short-term working capital. Target customers of the Subsidiary for factoring include business operators in Electrical Products, Chemicals and Plastics, and Packaging. Factoring service can be divided into 2 main areas including domestic factoring, a purchase of claiming rights to collect payment from receivables of products and service providers whose business counterparts (purchasers) are domestic entities, and international factoring, a purchase of claiming rights over trade receivables from the products and service providers whose business counterparts (purchasers) are situated overseas worldwide. International factoring can be further divided into 2 main categories as follows: - Import Factoring

The Subsidiary provides guarantee on the purchaserûs (importer) payment capability to the seller overseas. In case where the importer fails to make payment for goods and service after 90 days from the due date, the Subsidiary, as a guarantor, will be obliged to make payment on such products and 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 Subsidiary will not be obliged for the payment until such dispute is resolved.

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

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 a credit line of Baht 300,000 per customer with maximum term at 36 installments. The Company has commenced personal loan service since Year 2002.

96 A N N U A L R E P O R T 2 0 1 1

In addition, the Company has commenced its floor plan financing service since late 2003 to auto dealers as a source of fund for auto purchasing for resale to enhance their liquidity. The Company provides such financial support on a selective basis only to auto dealers who referred hire purchase customers to the Company. The Company and its subsidiary also provide other services to auto hire purchase customers including auto registration, tax renewal and insurance facilitation services, etc. in order to provide full range of service to the customers.

Revenue Structure of the Company and its Subsidiary During the Year of 2009 - 2011, revenue structure of the Company and the subsidiary can be classified by the types of businesses as follows: Type of Business Operated by Year 2011 Year 2010 Year 2009 Revenue % Revenue % Revenue % (M Baht) (M Baht) (M Baht) Hire purchase Company and its subsidiary 1,297.18 78.30 1,055.24 77.39 916.44 76.76 Leasing Subsidiary 55.91 3.38 57.08 4.19 65.26 5.47 Factoring Subsidiary 88.17 5.32 65.55 4.81 65.66 5.50 Other income * Company and its subsidiary 215.49 12.97 185.63 13.61 146.44 12.27 Total 1,656.75 100.00 1,363.50 100.00 1,193.80 100.00 Remark: * Other income includes income from personal loan, floor plan financing, income from registration fee and service,

income from late payment fine, income from recommending insurance services, dividend income, other incomes and etc.

Corporate Mission, Corporate Vision and Corporate Value Corporate Mission

ë Financial value chain for customer success and well-being ë Stable profitable growth from areas with competency ë Best interest of all stakeholders

Corporate Vision

ë Specialized financial provider of consumer and trade finance solution to individuals and SMES ë Leader in non-pickup commercial vehicle niche market in 5 years

Corporate Value çService with Passioné which is based on the beliefs of Modesty leads to Harmony and Honesty builds Credibility with the following principles:

ë Modesty : Non-stop development with innovation ë Harmony : Teamwork with family spirit ë Honesty : Integrity with truth ë Credibility : Mutual trust with stakeholders


1. Automobile Hire Purchase Business In Year 2011, the auto sale dropped by 0.8% at the total sale of 794,081 units in relation to the hire purchase business. This was mainly due to the Tsunami in Japan in the 1st quarter and the mega flood disaster in the last quarter which affected the Thai economic to grow at only 0.1% which was under previously estimated. In 2012, the hire-purchase industry is projected to keep abreast of the strong rebound of the auto industry to grow at 38% over 2011 to reach 1.1 million units thanks to the heavy back orders carried forward and the persistent strong demand. Competition in term of pricing and promotions to increase market share become more intense in hire purchase business as well.

2. Machinery and Vehicle Leasing / Hire Purchase Business Machinery and Vehicle leasing/ Hire Purchase business expand according to economic condition. During the expanding, both businesses will expand accordingly to support investment for business expansion. In 2011, leasing business recovered from the recession arisen from crisis. However, the mega flood in the last quarter significantly affected the Thai economic. The leasing business also dropped accordingly. In 2012, the leasing business is expected to benefit from the post-flood demand increase for the replacement and repurchase of machinery as well as the requirement of working capital. The subsidiary is to seek for service differentiation through providing quality, agility and flexibility to the selective target customers in our niche segments.

3. Factoring Business Factoring is one type of financing which helps increase liquidity to business operators by which they can receive advance payment for the product and service used as a working capital. As such, the factoring business has continually gained its popularity especially during economic recession and the financial institutions intensify their credit approval to avoid credit default from the borrowers. Gaining its popularity, the factoring business becomes more competitive, both in terms of pricing and servicing. The factoring service providers consequently attempted to offer a low interest rate to attract customers together with quick and integrated variety of services to facilitate the customers to quickly draw down cash advance for their working capital. Due to the fact that the Subsidiary provides both domestic and international factoring together with its policy to provide quality financing by emphasizing on the quality and financial status of product/ service sellers and their accounts receivables, clear and accurate assignment procedure and system, provision of support only to business with potential and low-risk as well as financing mostly with recourse, the Subsidiary then has potential to compete in the market.

[ BUSINESS COMPETITION ]

98 A N N U A L R E P O R T 2 0 1 1

[ RISK FACTORS ]

1. Risk of Mismatching between the Term of Financing and Source of Fund The Company and its subsidiary charges a fixed interest rate to their hire purchase and leasing customers throughout the term of agreements whilst major loans whose borrowing costs fluctuate according to the market interest rate. This leads to fluctuation of interest rate risk especially when the interest rate increases. However, as approximately 37 percent in 2011 and 41 percent in 2010 of total receivables of the Company and its subsidiary are repaid in each year, the Company and its subsidiary can lend the proceeds collected to new debtors at the higher interest rate according to the market rate. In relation to the financial liquidity risk, the Company and its subsidiary can be exposed to the risk of demand for loan repayment or non-renewal of the loans after maturity by the financial institutions as the majority of loan of the Company and its subsidiary are short-term. However, most of these short-term loans are from financial institutions, which are the Companyûs major shareholder, and hence the risk of demand for repayment is minimal. In addition, since the economic crisis in the Year 1997 the Company and its subsidiary have never incurred any problem concerning the source of borrowing and sufficiency of the working capital as their short-term loans have never been recalled for repayment or unable to renew upon maturity. In addition, the Company and its subsidiary has secured additional credit line from domestic financial institutions and diversified more fund from new sources such as equity market and debt market, which can reduce the liquidity risk.

2. Risk from Marketing and Competition Due to the fact that the auto hire purchase financing of the Company correlates to the change of domestic auto sales together with the fact that the Company and its subsidiaryûs incomes are mainly derived from auto hire purchase services, accounting for around 78.30 percent of total revenue at the end of Year 2011, the Company and its subsidiary may expose to highly competitive and the risk arisen from the recession of automobile industry. However, the Company and its subsidiaryûs policy are to offer a good quality service, to maintain the existing customer base, to have strict credit approval and to have a monitoring measure for customer repayment process. In addition, the Company will focus an increase in the proportion of other hire purchase segments which is not impacted from the recession of automobile industry, and the increase of income from service fee in order to increase the profitability of the Company and its subsidiary.

3. Risk of Used Cars Financing Although financing used cars encounters a higher risk than financing new cars, it provides a higher return. Nowadays, customers with low purchasing power have more chance to buy a car as there is higher flexibility on credit approval in the market. In order to prevent the risk which may arise from financing on used cars, the Company sets out a policy of financing on autos that are popular, liquid and durable which will be easily marketable at good prices in resale market. A measure on credit approval on used cars is strictly and tightly set out. Additionally, the Company has policy to maintain a good relationship with a number of used car dealers. Used car transaction will be made only with


trustworthy and financially stable dealers who only sell quality used car at reasonable prices. This will help reduce the potential risk which may arise from the substandard used cars while increasing confidence of the Companyûs customers. The Company is also staffed with experiences in used car marketing together with specific expertise in used car appraisal and inspection to maximize the accuracy of credit verification. Additionally, the staffs are also highly experienced in debt monitoring, collection and acceleration. Accordingly, the Company has never experienced loss arising from significant error in the appraisal of hire-purchased cars.

4. Risk of Non-Performing Loans Risk of non-performing loans is one of the risks which might arise as a result of financing. Thus Credit providers require qualified personnel, efficient credit approval system and adequately strict credit control and collection. To prevent the risk from non-performing loans, the Company and its subsidiary hence have laid out the measures comprising screening of quality employees and customers, strict and careful credit approval and effective credit control and collection. In addition, the Company and its subsidiary opt for the liquid and popular assets which can be promptly resold at a good price, to generate profit or minimize loss, in case of default of payments. However, in case where the selling price of asset sold is less than the amount of outstanding debts, the Company and its subsidiary can pursue the collection and legal proceeding to claim for the remaining debts from its debtors. As such, the risk from non-performing loans of the Company and its subsidiary has been minimal. As at the end of Year 2011 and 2010, non-performing loans accounted for 0.42 percent and 0.58 percent of total outstanding receivables of the Company and its subsidiary, respectively. In addition, the Company and its subsidiary also continued to collect these bad debts and can partially collect money and other assets from the debtors.

100 A N N U A L R E P O R T 2 0 1 1

[ SHAREHOLDING AND MANAGEMENT STRUCTURE ]

Organization Chart

Board of Directors

Executive Board of Director

Managing Director

Audit Commitee

Internal Audit Dept.

General Manager

AGM

(Marketing Divis.)

Marketing

(Line 1)

Marketing

(Line 2)

Insurance Dept.

Credit Operation

Dept.

Samutsakorn

Branch

Phisanulok

Branch

AGM

(Branch Operation Divis.)

Marketing Only

AGM

(Credit Control Divis.)

Customer Service

Dept.

Debt Management

Dept.

Verification Dept.

Legal Dept.

Chief Financial

Officer

Accounting Dept.

Finance Dept.

Investor Relations

Dept.

Information System

and Automation

Dept.

Planning Dept.

Human Resources

and Administration

Dept.

Chief Information

Officer

Chief

Administrative

Office (Acting)

Senior AGM

Rayong

Branch


Shareholding Structure The top 10 shareholders as at December 30, 2011 are: No. Name No. of Shares (Shares) %

1. Chailease Finance Co., Ltd. 86,096,730 37.43 2. AK Enterprise (Thailand) Co., Ltd. 80,452,280 34.98 3. Bangkok Bank Public Company Limited 16,899,560 7.35 4. Mr. Chatree Sophonpanich 11,212,360 4.87 5. Thai NVDR Co., Ltd. 9,882,200 4.30 6. Bangkok Insurance Public Company Limited 2,184,280 0.95 7. Mr. Sopon Viraseranee 2,000,000 0.87 8. Mr. Somchart Sotthimai 1,826,600 0.79 9. Mrs. Vaewta Luareesuwan 1,380,000 0.60 10. Mr. Koo John-Lee 1,079,640 0.47 Total 213,013,650 92.61

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

Board of Directors As of March 21, 2012, the Companyûs Board of Directors consists of 12 members with 4 members of the Audit Committee as follows:

1 Dr. Amnuay Viravan Chairman of the Board of Directors/ 2 Mr. Lo, Jun-Long ** Vice Chairman of the Board of Directors 3 Mr. Tientavee Saraton Director 4 Mr. Shen, Ying-Hui Director 5 Mr. Liao, Ying-Chih * Director 6 Mr. Chen, Fong-Long Director 7 Mr. Liu, Chia-Jeang Director 8 Mrs. Patima Chavalit Director 9 Mr. Pradit Sawattananond Chairman of the Audit Committee/ Independent Director 10 Mr. Anant Svattananon Member of the Audit Committee/ Independent Director 11 Asso. Prof. Dr. Supriya Kuandachakupt Member of the Audit Committee/ Independent Director 12 Mr. Kasem Akanesuwan Member of the Audit Committee/ Independent Director

Note * According to the resolution of the Companyû s meeting of the Board of Directors No. 5/2011 held on

November 11, 2011, it opined appointed Mr. Liao, Ying-Chih to be a director. ** According to the resolution of the Companyû s meeting of the Board of Directors No. 3/2012 held on

March 21, 2012, it opined appointed Mr. Lo, Jun Long to be a Vice Chairman of the Board of Directors .

102 A N N U A L R E P O R T 2 0 1 1

Power, Role and Responsibilities of the Board of Directors 1. To administrate and manage the Companyûs business in conformity with applicable laws, company

objectives, and the articles of association as well as the resolutions of the shareholdersû meeting. To use his authority to do any action as specified in the memorandum of association or which may be relevant to such action pursuant to the Public Limited Companies Act honestly and in good faith and with care to preserve the interest of the Company and to disclose any information accurately and completely standardized and to be transparent.

2. To consider and have Authority on Credit Approval, Non-Policy Expenses Approval, and Non-Policy Assets (Buying and Selling) Approval as granted from Shareholders Meeting, other Non-Policy, and annual business plan, budgeting, or management including policy or administrative matters which has no set policy or which is beyond the authority of the Executive Board of Directors but requested for approval by them under the authority and/or authorized amount that the Board of Directors are approved by the meeting of shareholders.

3. The Board of Directors may appoint the directors and/or some executives as deemed appropriate to administrate and manage the Companyûs business as assigned by the Board of Directors; unless it is clearly stipulated 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 business of the company; become a partner in an ordinary partnership; become a partner with unlimited liability in a limited partnership, or become a director of a private company or any other public limited company operating business which has the same nature as and is in competition with the business of the Company either for the directorûs own benefit or for the benefit of other persons, unless the director notifies the shareholdersû 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 any contract 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 the Company if he/she holds shares or a debenture or any other securities of the Company or any affiliated company, 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 control

system by appointing the internal audit department to follow up and co-proceed and coordinate with the Audit Committee to conduct the business of the company to comply with the laws and the regulations of competent bodies in line with business moral.

The authorization of powers to the Board of Directors shall be subject to the laws, rules and regulations of the Company and relevant authorities such as the Securities and Exchange Commission, the Stock Exchange of Thailand. Executive Board of Directors As of March 21, 2012, the Executive Board of Directors consists of 6 members as follows: 1 Dr. Amnuay Viravan Chairman of the Executive Board of Directors 2 Mr. Lo, Jun-Long Vice Chairman of the Executive Board of Directors 3 Mr. Tientavee Saraton Executive Director 4 Mr. Shen, Ying-Hui Executive Director 5 Mr. Chen, Fong-Long Director 6 Mr. Liu, Chia-Jeang 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 in conformity with applicable laws, company objectives, the

article of association, the resolutions of the shareholdersû meeting and 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 granted authority 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 resource management 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 any act which is under the supervision of the Executive Board of Directors as the Executive Board of Directors may deem appropriate and within the period defined by them. However, such appointment may be revoked, altered, changed as 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 shall be under the rules and regulationsû of relevant laws, regulations and article of association of the Company. In addition, the members of the Executive Board of Directors or then related persons will not be able to approve the transactions which are not normal course of business of the Company or under generally accepted conditions while they have conflict or participation or interest against the Company or the Companyûs subsidiary and shall report the transactions to the Board of Directors to comply with the role and regulation of the SET.

Audit Committee As of December 31, 2011, the Audit Committee consists of 4 members as follows:

1 Mr. Pradit Sawattananond Chairman of the Audit Committee/ Independent Director 2 Mr. Anant Svattananon Member of the Audit Committee/ Independent Director 3 Asso. Prof. Dr. Supriya Kuandachakupt Member of the Audit Committee/ Independent Director 4 Mr. Kasem Akanesuwan Member of the Audit Committee/ Independent Director

Role and Responsibilities of the Audit Committee 1. To review the Companyûs financial reporting process to ensure that it is accurate and adequate 2. To review the Companyûs internal control system and internal audit system to ensure that they are suitable

and efficient, to determine an internal audit unitûs independence, as well as to approve the appointment, transfer and dismissal of the Internal Audit Department Head or any other unit in charge of an internal audit

3. To review the Companyûs compliance with the Securities and Exchange Act., the Stock Exchange of Thailand ùs regulations, and the laws relating to the Companyûs business

4. To consider, select and nominate an independent person to be the Companyûs external auditor, and to propose such personûs remuneration, as well as to attend a non-management meeting with an auditor at least once a year

5. To review the Connected Transactions, or the transactions that may lead to conflicts of interests, to ensure that they are in compliance with the laws and the Stock Exchange of Thailandûs regulations, and are reasonable and for the highest benefit of the Company

104 A N N U A L R E P O R T 2 0 1 1

6. To prepare, and to disclose in the Companyûs annual report, an audit committeeûs report which must be signed by the audit committeeûs chairman and consist of at least the following information: a) An opinion on the accuracy, completeness and creditability of the Companyûs financial report, b) An opinion on the adequacy of the Companyûs internal control system, c) An opinion on the compliance with the Securities and Exchange Act., the Stock Exchange of

Thailandûs regulations, or the laws relating to the Companyûs business, d) An opinion on the suitability of an auditor, e) An opinion on the transactions that may lead to conflicts of interests, f) The number of the audit committee meetings, and the attendance of such meetings by each

committee member, g) An opinion or overview comment received by the audit committee from its performance of duties in

accordance with the charter, and h) other transactions which, according to the audit committeeûs opinion, should be known to the

shareholders and general investors, subject to the scope of duties and responsibilities assigned by the Companyûs board of directors; and

7. To perform any other act as assigned by the Companyûs Board of Directors, with the approval of the audit committee.

Management As of March 21, 2012, management comprises:

1 Dr. Amnuay Viravan Chairman of the Executive Board of Directors 2 Mr. Lo, Jun-Long Vice Chairman of the Executive Board of Directors/ Managing Director 3 Mr. Tientavee Saraton Executive Director 4 Mr. Shen, Ying-Hui Executive Director 5 Mr. Srayuth Khaola-iead General Manager 6 Mr. Danai Lapaviwat Secretary to the Board of Directors/ Chief Financial Officer 7 Mr. Sarayuth Chaisawadi Chief Information Officer/ Acting Chief Administrative Officer

8 Mr. Chonpichet Tantigittipinyo Senior Assistant General Manager


Board of Directors and Managementsû Profiles Dr. Amnuay Viravan Chairman of the Board of Directors / Chairman of the Executive Board of Directors

Highest Education Doctor of Philosophy in Business Administration, University of Michigan, U.S.A. Experience 2004 - Present Chairman of the Executive Board of Directors, Asia Sermkij Leasing Public Company Limited 1999 - Present Chairman of the Board of Directors, Asia Sermkij Leasing Public Company Limited 1999 - Present Chairman of the Board of Directors/ Chairman of the Executive Board of Directors, Bangkok Grand Pacific Lease Public Company Limited 2009 - 2010 Honorary Chairman, Union Plastic Public Company Limited 2009 - 2010 Honorary Chairman, Union Technology (2008) Public Company Limited 2009 - 2010 Honorary Chairman, Union Pioneer Public Company Limited 2009 - 2010 Honorary Chairman, Saha-Union Public Company Limited 2009 - 2010 Honorary Chairman, Union Textile Industrial Public Company Limited 1999 - 2009 Honorary Chairman of the Board of Directors, Asia Cement Public Company Limited 2007 - 2008 Chairman of the Board of Directors, Union Plastic Public Company Limited 2007 - 2008 Chairman of the Board of Directors, Union Technology (2008) Public Company Limited 2007 - 2008 Chairman of the Board of Directors, Union Pioneer Public Company Limited 2002 - 2008 Chairman of the Board of Directors, Saha-Union Public Company Limited 2002 - 2008 Chairman of the Board of Directors, Union Textile Industrial Public Company Limited Director program Director Accreditation Program No. 18/2004, Thai Institute of Directors Association Changes of shares held as at Remain unchanged at 925,600 shares December 31, 2011, compared with those of 2010 Mr. Lo, Jun-Long Vice Chairman of the Board of Directors/ Vice Chairman of the Executive Board of Directors/ Managing Director

Highest Education Master of Business Administration, University of Santa Clara, U.S.A. Experience 2012 - Present Vice Chairman of the Board of Directors/ Vice Chairman of the Executive Board of Directors, Asia Sermkij Leasing Public Company Limited 1999 - Present Director/ Managing Director, Asia Sermkij Leasing Public Company Limited 1999 - Present Executive Director/ Managing Director, Bangkok Grand Pacific Lease Public Company Limited 2004 - 2012 Executive Director, Asia Sermkij Leasing Public Company Limited Director program Director Accreditation Program No. 22/2004, Thai Institute of Directors Association Director Certification Program No. 48/2004, Thai Institute of Directors Association Changes of shares held as at Remain unchanged at 180,050 shares December 31, 2011, compared with those of 2010

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Mr. Tientavee Saraton Executive Director Highest Education Master of Science in Management, Arthur D. Little Management Education Institute, U.S.A. Experience 2004 - Present Executive Director, Asia Sermkij Leasing Public Company Limited 2004 - Present Executive Director, Bangkok Grand Pacific Lease Public Company Limited 1999 - Present Director, Bangkok Grand Pacific Lease Public Company Limited 1992 - Present Director, Asia Sermkij Leasing Public Company Limited 2005 - 2009 Vice Chairman, Thai Hire Purchase Association 2006 - 2008 Deputy Managing Director, Asia Sermkij Leasing Public Company Limited 1992 - 2006 General Manager, Asia Sermkij Leasing Public Company Limited Director program Director Accreditation Program No. 22/2004, Thai Institute of Directors Association Director Certification Program No. 48/2004, Thai Institute of Directors Association Changes of shares held as at Decreased 189,400 shares (Outstanding at 0 share) December 31, 2011, compared with those of 2010 Mr. Shen, Ying-Hui Executive Director

Highest Education Master of Business Administration, National Central University, Taiwan, R.O.C. Experience 2006 - Present Director/ Executive Director, Asia Sermkij Leasing Public Company Limited 2006 - Present Director/ Executive Director, Bangkok Grand Pacific Lease Public Company Limited 2006 - Present Senior Assistant General Manager, Bangkok Grand Pacific Lease Public Company Limited 2006 - Present Senior Vice President, Chailease Finance Co., Ltd. 2001 - 2006 Executive Vice President, Chailease Consumer Finance Co., Ltd. Director program Director Accreditation Program No. 57/2006, Thai Institute of Directors Association Director Certification Program No. 132/2010, Thai Institute of Directors Association Changes of shares held as at None December 31, 2011, compared with those of 2010


Mr. Liao, Ying-Chih Director (Appointed November 11, 2011) Highest Education Ph.D.Candidate, Harvard University, U.S.A. Experience 2011 - Present Director, Asia Sermkij Leasing Public Company Limited 2011 - Present Director, Bangkok Grand Pacific Lease Public Company Limited 2012 - Present Chief Strategy Officer, Chailease Holding Co., Ltd. 2011 - 2011 Chief Legal Officer, Chailease Holding Co., Ltd. 2006 - 2010 Senior Executive Vice President, Financial One Corp. 2008 - 2009 Director, Asia Sermkij Leasing Public Company Limited 2008 - 2009 Director, Bangkok Grand Pacific Lease Public Company Limited Director program None Changes of shares held as at None December 31, 2011, compared with those of 2010 Mr. Chen, Fong-Long Director

Highest Education Master of Science in Management, Massachusetts Institute of 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 2011 - Present Chairman and President, Fina Finance and Trading Co., Ltd. 2011 - Present Chairman and President, China Leasing Co., Ltd. 2011 - Present Chairman, Chailease Insurance Brokers Co., Ltd. 2011 - Present President, Chailease Holding Co., Ltd. 2009 - Present Chairman and President, Chailease Consumer Finance Co., Ltd. 2008 - Present Chairman, Chailease Auto Service Co., Ltd. 2008 - Present Chairman, Chailease International Corp. 2007 - Present Chairman, Chailease Finance Co., Ltd. 2007 - Present Director, Grand Pacific Holdings Corp. 2007 - Present Chairman and President, Chailease International Finance Co. Ltd. 2006 - Present Chairman of Control Committee, Chailease International Leasing Co., Ltd. (Vietnam) 2002 - Present President, Chailease Finance Co., Ltd. 2000 - Present Director, Chailease Consumer Finance Co., Ltd. Director program None Changes of shares held as at Remain unchanged at 231,400 shares December 31, 2011, compared with those of 2010

108 A N N U A L R E P O R T 2 0 1 1

Mr. Liu, Chia-Jeang Director Highest Education Master of Business Administration, Sloan School of MIT, U.S.A. Experience 2009 - Present Director, Asia Sermkij Leasing Public Company Limited 2009 - Present Director, Bangkok Grand Pacific Lease Public Company Limited 2011 - Present Chief Financial Officer, Chailease Holding Co., Ltd. 2011 - Present Chairman, Apex Credit Solutions Inc. 2009 - Present Director/ Senior Executive Vice President, Chailease Finance Co., Ltd. 2009 - Present Chairman and Director, Chailease International Leasing Co., Ltd. 2009 - Present Director, Grand Pacific Holding Corp. 2009 - Present Director, Chailease International (Malaysia) Co., Ltd. 2009 - 2011 Chief Financial Officer/ Executive Director, Financial One Corp. 2009 - 2009 Supervisor, Chailease Auto Service Co., Ltd. 2009 - 2009 Supervisor, My Fleet Co., Ltd. 2004 - 2008 President, Grand Pacific Credit Co., Ltd. Director program None Changes of shares held as at None December 31, 2011, compared with those of 2010 Mrs. Patima Chavalit Director

Highest Education Bachelor of Accounting Theory, Chulalongkorn University Experience 1993 - Present Director, Asia Sermkij Leasing Public Company Limited 1999 - Present Director, Bangkok Grand Pacific Lease Public Company Limited 2008 - Present Senior Vice President, Human Resource Division, Bangkok Bank Public Company Limited 2005 - 2008 Senior Vice President, Office of the President, Bangkok Bank Public Company Limited 2001 - 2005 Director/ Executive Vice President, Bualuang Finance Co., Ltd. Director program Director Certification Program No. 48/2004, Thai Institute of Directors Association Changes of shares held as at Remain unchanged at 161,400 shares December 31, 2011, compared with those of 2010


Mr. Pradit Sawattananond Chairman of the Audit Committee/ Independent Director Highest Education Master of Business Administration, Central State University, Oklahoma, U.S.A. Experience 2004 - Present Chairman of the Audit Committee/ Independent Director, Asia Sermkij Leasing Public Company Limited 2004 - Present Independent Director/ Audit Committee Member, Thai Film Industries Public Company Limited 2000 - Present Independent Director/ Audit Committee Member, KGI Securities Public Company Limited 2005 - 2006 Advisor of the Committee on Economics Department, The House of Representatives 2003 - 2006 Director, Thailand Securities Depository Co., Ltd. 2001 - 2006 Specialist of Committee on Finance, Banking and Financial Institution, The House of Representatives Director program Director Certification Program No. 3/2000, Thai Institute of Directors Association Improving the Quality of Financial Reporting No.4/2006, Thai Institute of Directors Association Monitoring the Quality of Financial Reporting No.5/2007, Thai Institute of Directors Association Monitoring the Internal Audit Function No. 5/2008, Thai Institute of Directors Association Monitoring the System of Internal Control and Risk Management No. 2/2008, Thai Institute of Directors Association Role of the Compensation Committee No. 6/2008, Thai Institute of Directors Association Chief Financial Officer Certification Program No. 1/2004, Thai Institute of Directors Association Audit Committee Program No. 3/2004, Thai Institute of Directors Association Changes of shares held as at Remain unchanged at 60,000 shares December 31, 2011, compared with those of 2010 Mr. Anant Svattananon Member of the Audit Committee/ Independent Director

Highest Education Commerce Course, The Institute of Foreign Languages Business Development & Management Course Experience 2004 - Present Member of the Audit Committee/ Independent Director, Asia Sermkij Leasing Public Company Limited 1998 - Present Executive Vice Chairman, Shanghai Kinghill Co., Ltd. Pudong P.R.O.C. 1998 - Present Managing Director, Star of Andaman Co., Ltd. Director program Director Accreditation Program No. 38/2005, Thai Institute of Directors Association Changes of shares held as at Remain unchanged at 50,000 shares December 31, 2011, compared with those of 2010

110 A N N U A L R E P O R T 2 0 1 1

Asso. Prof. Dr. Supriya Kuandachakupt Member of the Audit Committee/ Independent Director Highest Education Doctor of Ecomomics, University of Hawaii, U.S.A. Experience 2006 - Present Member of the Audit Committee/ Independent Director, Asia Sermkij Leasing Public Company Limited 2010 - Present Member of Board of Directors, The Government Lottery Office 2007 - Present Chairman of the Business Economics, Faculty of Economics, Kasetsart University 1986 - Present Associate Professor, Department of Economics, Faculty of Economics, Kasetsart University Director program Director Accreditation Program No. 56/2006, Thai Institute of Directors Association Director Certification Program No. 97/2007, Thai Institute of Directors Association Financial Statements for Directors No. 10/2010, Thai Institute of Directors Association Diploma of Corporate Governance for Directors and Senior Executives of State Enterprises and Public Organizations (PDI 7), Public Director Institute, King Prajadhipokûs Institute Changes of shares held as of Remain unchanged at 60,000 shares December 31, 2011, compared with those of 2010 (Including shares held by related parties) Mr. Kasem Akanesuwan Member of the Audit Committee/ Independent Director

Highest Education Master of Science in Accounting, Roosevelt University, U.S.A. Experience 2009 - Present Member of the Audit Committee/ Independent Director, Asia Sermkij Leasing Public Company Limited 2000 - Present Director, BNH Medical Center Co., Ltd. 1997 - Present Assistant Vice President-Finance, Bangkok Airways Co., Ltd. Director program Director Accreditation Program No. 79/2009, Thai Institute of Directors Association Director Certification Program No. 127/2010, Thai Institute of Directors Association Changes of shares held as of None December 31, 2011, compared with those of 2010


Mr. Srayuth Khaola-iead General Manager Highest Education Bachelor of Marketing, Thammasat University Experience 2006 - Present General Manager, Asia Sermkij Leasing Public Company Limited 2009 - Present Director, Thai Hire Purchase Association 1994 - 2006 Assistant General Manager, Credit Control Division, Asia Sermkij Leasing Public Company Limited Director program Director Certification Program No. 132/2010, Thai Institute of Directors Association Changes of shares held as of Decreased 94,000 share (Outstanding at 32,800 shares) December 31, 2011, compared with those of 2010 Mr. Danai Lapaviwat Secretary to the Board of Directors/ Chief Financial Officer

Highest Education Master of Business Administration (Finance), San Diego State University, U.S.A. Experience 2004 - Present Secretary to the Board of Directors, Asia Sermkij Leasing Public Company Limited 2003 - Present Chief Financial Officer, Asia Sermkij Leasing Public Company Limited 2003 - Present Chief Financial Officer, Bangkok Grand Pacific Lease Public Company Limited Director program Director Certification Program No. 48/2004, Thai Institute of Directors Association Changes of shares held as of Remain unchanged at 89,080 shares December 31, 2011, compared with those of 2010 Mr. Sarayuth Chaisawadi Chief Information Officer/ Acting Chief Administrative Officer

Highest Education Master of Science in Computer Science, National Institute of Development Administration Experience 2004 - Present Acting Chief Administrative Officer, Asia Sermkij Leasing Public Company Limited 2002 - Present Chief Information Officer, Asia Sermkij Leasing Public Company Limited Director program Director Certification Program No. 48/2004, Thai Institute of Directors Association Changes of shares held as of Remain unchanged at 55,000 shares December 31, 2011, compared with those of 2010 Mr. Chonpichet Tantigittipinyo Senior Assistant General Manager

Highest Education Bachelor of Economics, Thammasat University Experience 2006 - Present Senior Assistant General Manager, Asia Sermkij Leasing Public Company Limited 2002 - 2006 Assistant General Manager, Asia Sermkij Leasing Public Company Limited Director program Director Certification Program No. 132/2010, Thai Institute of Directors Association Changes of shares held as of Increased 9,700 shares (Outstanding at 150,000 shares) December 31, 2011, compared with those of 2010

112 A N N U A L R E P O R T 2 0 1 1

Selection of the Board of Directors and Management The Company does not establish the selection committee to select director and management. In the selection process, the Companyûs Board of Directors will consider in conjunction with the Audit Committee. The person selected to be director or the management of the Company must not have a character prohibited by law. The selection of the director will be conducted based on material provisions stipulated in the Companyûs articles of association. The approval of appointment and determination of remuneration for the Board of Directors and the management will be made by the shareholdersû meeting and the Executive Board of Directors, respectively. Remuneration for Directors, Executive Directors and Management Cash Remuneration 1. Remuneration for Directors

In Year 2011 remuneration for the Company and its subsidiaryûs directors consisted of fixed remuneration, meeting attendant allowance and bonus as approved by the shareholdersû meeting as follows:

Position No. Fixed Meeting Bonus Remuneration Attendant (Y2010 (Baht per month) Allowance performance) (Baht per month) Chairman of the Board of Directors/ Chairman of the Executive Board of Directors 1 40,000 - - Chairman of the Audit Committee / Independent Director 1 40,000 6,000 135,000 Audit Committee / Independent Director 3 30,000 6,000 90,000 Non-Executive Director 1 30,000 6,000 45,000 Executive Director 6 20,000 - -

The directorsû remunerations for the year 2011 are as follows: Name Position Fixed Meeting Bonus Remuneration Attendant (Baht) (Baht) Allowance (Baht) Dr. Amnuay Viravan Chairman of the Board of Directors/ Chairman of the Executive Board of Directors 390,000 - - Mr. Lo, Jun-Long Executive Director / Managing Director 210,000 - - Mr. Tientavee Saraton Executive Director 210,000 - - Mr. Shen, Ying-Hui Executive Director 210,000 - - Mr. Liao, Ying-Chih Director 40,000 - - Mr. Chen, Fong-Long Director 210,000 - - Mr. Liu, Chia-Jeang Director 210,000 - - Mrs. Patima Chavalit Director 300,000 36,000 45,000 Mr. Pradit Sawattananond Chairman of the Audit Committee/ Independent Director 450,000 36,000 135,000 Mr. Anant Svattananon Audit Committee/ Independent Director 330,000 18,000 90,000 Asso. Prof. Dr. Supriya Audit Committee/ Kuandachakupt Independent Director 330,000 36,000 90,000 Mr. Kasem Akanesuwan Audit Committee/ Independent Director 330,000 36,000 90,000 Mr. Huang, Cheng-Ming Director (resigned) 170,000 - - Total 3,390,000 162,000 450,000


2. Remuneration for Management In Year 2011 remuneration for the Company and its subsidiaryûs management totaling 8 persons consisted of salary, bonus, provident fund, social security fund and other remunerations. Total cash remuneration stood at Baht 46.25 million, Baht 43.68 million of which being salary and bonus and Baht 2.57 million being provident fund, social security fund and other remunerations.

Other Remunerations -None- Shareholding of Directors and Management Name Ordinary Share* (Shares) Name Ordinary Share* (Shares) As at Year As at Year Change As at Year As at Year Change Ended 2011 Ended 2010 Ended 2011 Ended 2010 Director Director Dr. Amnuay Viravan 925,600 925,600 - Mr. Liu, Chia-Jeang - - - Mr. Lo, Jun-Long 180,050 180,050 - Mrs. Patima Chavalit 161,400 161,400 - Mr. Tientavee Saratan - 189,400 (189,400) Mr. Pradit Sawattananond 60,000 60,000 - Mr. Shen, Ying-Hui - - - Mr. Anant Svattananon 50,000 50,000 - Mr. Liao, Ying-Chih - - Asso. Prof. Dr. Supriya 60,000 60,000 - Kuandachakupt * Mr. Chen, Fong-Long 231,400 231,400 - Mr. Kasem Akanesuwan - - - Management Management Mr. Srayuth Khaola-iead 32,800 126,800 (94,000) Mr. Sarayuth Chaisawadi 55,000 55,000 - Mr. Danai Lapaviwat 89,080 89,080 - Mr. Chonpichet 150,000 140,300 9,700 Tantigittipinyo

Remark: *Including shares held by related parties.

Principles of Good Corporate Governance Corporate Governance The Company establishes the operational policy concerning corporate governance system of the management in order to maximize the efficiency of the Companyûs management. The Companyûs Board of Directors sets out the Code of Best Practice for directors of a listed company to comply with the Stock Exchange of Thailand approach. Additionally, such Code of Best Practice is set to enhance the transparency and effectiveness of the management which will create confidence to the shareholders, investors and all concerned parties. The Companyûs principles of good corporate governance are summarized as follows: 1) Shareholdersû right

The Board of Directors has recognized the importance of shareholdersû right, which has been listed in shareholdersû right protection policy, and also encourages every single shareholders to exercise their rights under the law i.e. the company profit sharing, the right to sell or transfer stocks, the shareholdersû right to obtain the information, the voting right in the shareholdersû meeting to appoint or to demote the directors, the remuneration of the Board of Directors, the appointment of a certified auditor, the approval of the audit fee and other issues which may significance effect the company. In addition, the circulation of the information needed for any shareholders have been listed through the company website çwww.ask.co.thé i.e. the shareholdersû right for a shareholder or shareholders holding shares and having an aggregate voting rights not less than 1% of all Company voting rights to propose the meeting agenda or nomination of directors which has been disclosed to SET and Companyûs website since October 3,

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2011. The information including the shareholdersû invitation letter to the shareholdersû meeting and the supplementary document also has been posted at least 30 days in advance on the company website. The minutes of the shareholdersû meeting will be posted on the website within 14 days after the meeting. For the year 2011, the company has circulated the shareholdersû invitation letter and supplementary documents for the meeting since March 25, 2011. The minutes of the meeting has been revealed to public through the company website on May 10, 2011 or 14 days after the meeting. Moreover, the Company never had any policy to lessen the shareholdersû right. The company will not distribute the importance information immediately on the meeting day, or not put additional agenda or change any details of the meeting without noticing the shareholders in advance. In addition, the shareholders shall be obtained the rights to ask any question to the Board of Directors and attend in the meeting although they come late.

2) Fair and Equitable Treatment to Shareholders

The Company recognizes the importance of the right of shareholders and treats every shareholder equally. As a result, the Company will timely, accurately and completely disclose material information and news to its shareholders on a regular basis. In an invitation to the shareholdersû meeting, the Company will deliver a meeting invitation letter together with support information relevant to meeting agenda to the shareholders 7 days prior to the meeting date. Invitation letter for the meeting is also announced in the newspaper with complete opinion of the Board of Directors on each meeting agenda in order that the shareholders have sufficient time to consider the information prior to the meeting. Minutes of the meeting are also accurately recorded for further review by the shareholders. The Company intends to provide additional option to the shareholders by authorizing the independent director of the Company as a proxy on behalf of the shareholders in case the shareholders cannot attend the meeting. In the Year 2011, the Company held an annual general meeting of shareholders which was the Annual General Meeting of Shareholders No.27th/2011 held on April 26, 2011 at 3.00 pm. at Grand Hall Meeting Room of Bangkok Club, 28th Floor, Sathorn City Tower, 175 South Sathorn Road, Tungmahamek, Sathorn, Bangkok 10120. The venue was convenient for travelling by BTS and BRT. Every shareholder is entitled to use his/her right to vote and express opinion or make inquiry before making decision. Before the meeting The Company has posted the invitation letter, which detailed every aspects of the meeting through the company website 30 days in advance, since March 25, 2011. The company has sent the invitation letter including, the Meeting Agenda, the Board of Directorsû opinion and the minute of the previous shareholdersû meeting and also the Annual report together with the documents important for the meeting, the proxy which detailed the clarification manual. The documents will be handed to Thailand Security Depository Company Limited, the company registrar who has been in charge of distributing the documents to the shareholders 14 days prior to the meeting date. In 2011, the Company has sent the invitation letter and others importance documents to the shareholders since April 12, 2011 and made an announcement through the newspaper for 3 consecutive days from April 4-6, 2011 in order to inform in advance the shareholders and allow them to look through all information before The General Meeting has been called. The Company has sent the documents to all shareholders listed at the date of the closing of the shareholdersû registration book on April 8, 2011. In order to facilitate the shareholders who cannot attend the meeting, the company also sent the proxy together with the invitation letter and listed the required documents for the meeting stated the detailed for both the shareholders who will attend the meeting and who will assign the others as the representative in order to assist the shareholders for the preparation of the documents and to avoid any problems which might occur in attending the meeting. Moreover the company has authorized Mr. Pradit Sawattananond the Chairman of the Audit Committee/ Independent Director as a proxy on behalf of the shareholders in case the shareholders cannot attend the meeting.


On the meeting date The company has set the venue, and the appropriate time that is convenient for every shareholder and assure the security. The company has provided the sufficient registration counters with çBarcode Systemé and allowed the participants to register 1 hour before the meeting starts. They can also register prior to or during the meeting. The company also provided free of charge duty stamps for authorization of proxies. There were some snack and coffee break provided to the shareholders. The company also appointed the legal consultant to conduct and clarify the details of the meeting, including voting method, counting, the use of ballot and announced the voting result in each agenda. During the meeting, the company had appropriately and adequately provided the opportunities to shareholders to ask or express their opinions. Regarding the appointing of directors agenda, the company had set the vote to be separated one by one and collected the ballot of each director for the transparently counted by legal consultant. The Annual General Meeting No.27th/2011 had 10 from 12 directors participated including Mr. Lo, Jun-Long Executive Director/ Managing Director, Mr. Tientavee Saraton Executive Director, Mr. Shen, Ying-Hui Executive Director, Mr. Chen, Fong-Long Director, Mr. Liu, Chia-Jeang Director, Mrs. Patima Chavalit Director, Mr. Pradit Sawattananond Chairman of the Audit Committee/ Independent Director, Mr. Anant Svattananon Member of the Audit Committee/ Independent Director, Asso. Prof. Dr. Supriya Kuandachakupt Member of the Audit Committee/ Independent Director, Mr. Kasem Akanesuwan Member of the Audit Committee/ Independent Director, together with Company Secretary and Chief Financial Officers who take the responsibility as secretary to the Board of Directors. There were also the companyûs auditor and legal consultant totaling 4 persons attending the meeting. As a result of the continually enhancing of the quality of Annual General Meeting arrangement, the company was announced çExcellenceé (90-99 points) for the assessment of Annual General Meeting arrangement.

After the Meeting The company had informed the resolution of the meeting on April 26, 2011 via the Stock Exchange of Thailandûs information system. The company had submitted and published the minutes of the meeting on the company website within 14 days after the meeting. In 2011, the company had posted the minutes through the company website since May 10, 2011. The event had also recorded both in video and audio format to be distributed to any shareholders who may have an interest and also posted on the company website and made an announcement through the newspaper for 3 consecutive days from May 9-11, 2011 in order to inform the shareholders for dividend payment.

Policy to protect the use of internal information by directors and management for personal use The Company has set the protection policy in order to prevent the use of internal information by directors and management for their personal use. The detail of this title can be found under the Use of Internal Information section.

Connected Transactions In order to protect the minor shareholdersû right, the company also sets out the distinct connected transactions policy, which can be found under the Connected Transactions section. The company also discloses, for the shareholders, the information about connected persons and the relationship with such connected persons, the value of each transaction and also the opinion of the Board of Directors on such transaction. This information can be found both in the Annual Report and Annual Filing (56-1).

3) Awareness in stakeholders

The company recognizes and is aware of the importance of all groups of stakeholders, both internal and external including customers, shareholders, employees, creditors, debtors, competitors and others related entities. Moreover, the company also pay attention to the social and environmental responsibility,

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since every single party always has a long term support for the company which will be help to create the competitive advantage and encourage the operation within the Company to stand in the excellence marketûs position. For employees, the company recognizes the need for proper welfare and security for employees i.e. set up the provident fund to motivate them in long term working contract walk aside the company to go to the bright business future, fire drills, installation of fire prevention systems, provide personal accident insurance for every employee, medical expense reimbursement, and arrange an annual health check-up for every employee. The human development policy will be very crucial to help every single employee to develop himself both on the knowledge concerning current responsibility and the skill development in supporting them for the achievement in their career path. The company therefore provides both internal and external development program for every employee. In year 2011, the company and subsidiary provide all employees totally 44 training programs, 14 programs are internal training programs and 30 programs are external training programs. Regarding the environmental policy, even though the companyûs core business is not directly impact to the environment but the company does pay attention to the environmental friendliness and preservation. The campaign of both-sides paper usage will help to reduce the effect to the environment and save the resources including soft document in PDF file. Moreover, the company has a saving energy policy by turning off the light when it was not used, i.e. during the lunch break. The company also set up the policy of Antifraud by determining guideline of investigation, penalty and procedure to prevent fraud. In order to be a channel for stakeholdersû participation, the company has set up a channel to gather any complaints, suggestions or comments to the board via the company website (in Investor Relations Section) or the stakeholders may send by mail or by hand at the company.

4) Information disclosure and transparency

The Company recognizes the important of accurate, complete and prompt disclosure of important information of the company including the company performance information, clearness shareholding structure which detailed in Shareholding Structure section and the corporate governance policy, which was disclosed in the Annual Report, Annual Filing (56-1) and the company website at www.ask.co.th. Regarding the quality of financial report, in 2011, the company appointed Ernst & Young Office Limited, who has been certified by the Securities and Exchange Commission, as an independent auditor. The companyûs 2011 financial report was certified with unqualified opinion from the auditor. Furthermore, the company establishes the Investor Relations Department to be another channel to disclose the information to its shareholders, the analysts and general investors. The Investor Relations Department can be reached at 02-679-6226 ext 230, 231. The information including the shareholdersû structure, the organization structure, corporate governance policy, the Board of Directors member, the financial report, the annual report, the invitation to the shareholdersû meeting and the minutes of the shareholdersû meeting, has been disclosed in the companyûs website in Investor Relations section. During the year 2011 to February 2012, the company has disclosed and presented the information to related parties as follows: 1. Analyst Meeting 1 time 2. Company visit by institution investors in total 3 times 3. Disclosure of the companyûs performance to newspaper (Press releases) in total 2 times

The company has initiated the policy for directors to report the conflict of interest in order to prepare the related transactions according to the Securities and Exchange Act.


5) Directorsû Responsibility The Companyûs Board of Directors has a duty to determine vision, mission, strategy, business plan, budget and objective of the operation of business, as well as to supervise the management to perform in accordance with the targeted plan in an effectiveness and efficient manner. It also has a duty to establish the appropriate internal control, internal audit and risk management system, and to ensure that the financial report is provided on a regular basis and with quality under supervision of the Audit Committee in order for the Company to meet the determined target and to provide optimal benefits to all groups of stakeholders. The company has an established term of office for directors in the Articles of Association. The term of each director is set at 3 year, therefore at each General Meeting of Shareholders, one-third of the directors - or if their number is not a multiple of three, then the number nearest to one-third - must retire from office. The Company also has a balance of power for directors that the Board of Directors consists of 12 directors, comprising 4 executives and 8 non-executive directors. The Company establishes the Audit Committee comprising 4 independent directors, accounting for 33 percent or 1 of 3 of the Board of Directors. The Audit Committee is regarded as the representatives of minor shareholders with the duty to supervise the operation of the Company to ensure its accuracy and transparency. In addition, the Company separates the position of Chairman of the Board of Directors and Managing Director into 2 positions to be held by different persons in order to segregate the duty of establishing governance policy from routine management. Duty and authority of the Board of Directors, Executive Board and the Audit Committee are clearly separated (as detailed in Shareholding and Management Structure) to ensure the transparency, sufficient balance of power and ability to review the operation of the Company. Resolution on any material agenda still requires the approval from the Board of Directors or the shareholdersû meeting. In addition, authority assigned to the Board of Directors, Executive Board and the Managing Director shall not allow the directors with conflict of interest in any transaction, whether by themselves or by their potential conflict of interest related parties, to approve such transaction made with the Company or Subsidiary. Although, the Company has not yet established the policy to limit the number of listed company that a director can hold, none of the Director holds the directorship more than 3 listed companies in which the details are disclosed in the Board of Directors and Managementsû Profiles. The company organized the director orientation for newly appointed directors starting in the year 2008 to familiarize them with the company information, rule and responsibilities of director and related regulations. The topics covered the company mission and vision, business plan, company background, shareholding structure, organization structure and list of management, standard agenda and minutes of the Board of Directors Meeting in the past year and also enclosed with Directors Handbook to familiarize them in performing the duty of director of a listed company. The remuneration policy for directors, approved by the shareholdersû meeting, is clearly established. The remuneration for directors is provided at an appropriate level and sufficient to attract and retain the capable and qualified directors. Such remuneration is set at the same level as industry standard suitable to the duty and responsibility assigned. The Company does not set out a policy to provide excessive amount of remuneration to its directors. Remuneration for the management is set according to the principles and policy determined by the Board of Directors by correlating the compensation with the Companyûs operating performance together with the performance of each individual management. Currently, the company has three types of director remunerations which are the monthly fixed remuneration, meeting attendant allowance (for audit committee and external director only) and bonus which will be paid to the directors based on companyûs performance. The company does not have an established remuneration committee to consider the appropriate remuneration. However, the remuneration has been carefully considered by the Board of Directors in comparison with the referenced industry sector and the Companyûs profitability.

118 A N N U A L R E P O R T 2 0 1 1

The Annual General Meeting of Shareholders No.27th/2011 held on April 26, 2011 approved the remuneration of year 2011 for directors as follows:

Position No. Fixed Meeting Bonus Remuneration Attendant (Y2010 (Baht per month) Allowance performance) (Baht per month) Chairman of the Board of Directors/ Chairman of the Executive Board of Directors 1 40,000 - - Chairman of the Audit Committee / Independent Director 1 40,000 6,000 135,000 Audit Committee / Independent Director 3 30,000 6,000 90,000 Non-Executive Director 1 30,000 6,000 45,000 Executive Director 6 20,000 - -

At least one Board of Directorsû meeting is held in each quarter with additional meeting to be called if required. The Company 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 agenda on operational monitoring on a regular basis. The Company delivers the meeting invitation letter together with meeting agenda and support documents for the meeting to each director at least 7 days in advance of the meeting date to allow sufficient timing for the Board of Directors to study on the information prior to attend the meeting. In each Board of Directorsû meeting, the Chairman of the Board of Directors is obliged to allocate adequate timing in order to enable the management to propose and provide thorough explanation on the material issues. Minutes of the meeting are accurately and completely recorded in writing. Minutes of the meeting, certified by the Board of Directors, will be retained for further examination by the Board of Directors and other related parties. The Company has set up the meeting of the Audit Committee and the external auditor without directors, executive directors and management in order to enhance good corporate governance and transparency to the Companyûs financial statements. The meeting is set annually prior to the approval of the annual financial statements. In 2012, the meeting was on February 13, 2012. Each director has dedicated his/her time to attend all of the Board of Directorsû meetings, except in case of necessity. In the year 2011, all meetings were attended by each of the Companyûs directors as follows:

Name No. of Meetings/Attended/ Name No. of Meetings/Attended/ No. of Total Meeting No. of Total Meeting Board of Audit Board of Audit Directors Committee Directors Committee

Dr. Amnuay Viravan 5/6 - Mr. Liu, Chia-Jeang 2/6 -

Mr. Lo, Jun-Long 5/6 - Mrs. Patima Chavalit 6/6 -

Mr. Tientavee Saraton 6/6 - Mr. Pradit Sawattananond 6/6 4/4

Mr. Shen, Ying-Hui 5/6 - Mr. Anant Svattananon 3/6 2/4

Mr. Liao, Ying-Chih* 1/1 - Asso. Prof. Dr. Supriya Kuandachakupt 6/6 4/4

Mr. Chen, Fong-Long 4/6 - Mr. Kasem Akanesuwan 6/6 4/4 * According to the resolution of the Companyû s meeting of the Board of Directors No. 5/2011 held on November 11, 2011, it opined appointed Mr. Liao, Ying-Chih to be a director.

In 2011, the company has established the Board of Directors Self Assessment to assess the boardûs structure and performance. The Board Self Assessment Form consisted of 6 areas : Structure and characteristics of the Board, Roles and responsibilities of the Board, Board Meetings, The boardûs performance of duties, Relationship with management, and Self-development of directors and executive development.


The company sets out a policy for director selection by seeking a well-versed person with expertise in the Companyûs business. However, as some directors of the Company hold Taiwanese nationality and have positions in the companies in Taiwan, it is not convenient for them to attend the Companyûs meeting of the Board of Directors. As such, the Company has the policy to encourage the attendance of the meeting by all directors by arranging the video conference to facilitate the Board of Directorsû meeting by all directors accordingly, thereby enabling interaction among the directors despite being in difference places. The Audit Committee consisted of 4 independent directors with a 2-year tenure and has a duty to supervise the operation of the Company. Details of the authority and duty of the Audit Committee are provided in Management Structure. At least 1 meeting of the Audit Committee is to be held in each quarter with additional meeting to be called if required. The Audit Committee Member will use their own discretion in reviewing the financial report, internal control and internal audit system and operation of the Company, considering and appointing the Companyûs auditor, as well as disclosing information on related transaction or transaction with potential conflict of interest. Such Audit Committee will enhance the effectiveness of the Companyûs control and governance pursuant to the Stock Exchange of Thailand approach. The company has defined the meaning of çIndependent Directorsé more strengthen than the criteria set by the Capital Market Supervisory Board Tor.Chor.14/2551 as follows: 1. Holding shares not exceeding 0.5 percent of the total number of voting rights of the company, its

parent company, subsidiary, affiliate or juristic person which may have conflicts of interest, including the shares held by related persons of the independent director.

2. Neither being nor having been an executive director, employee, staff, or advisor who receives salary, or a controlling person of the company, its parent company, subsidiary, affiliate, same-level subsidiary or juristic person who may have conflicts of interest unless the foregoing status has ended not less than two years prior to the appointment.

3. Not being a person related by blood or registration under laws, such as father, mother, spouse, sibling, and child, including spouse of the children, executives, major shareholders, controlling persons, or persons to be nominated as executive or controlling persons of the company or its subsidiary.

4. Not having a business relationship with the company, its parent company, subsidiary, affiliate or juristic person who may have conflicts of interest, in the manner which may interfere with his independent judgment, and neither being nor having been a major shareholder, non-independent director or executive of any person having business relationship with the company, its parent company, subsidiary, affiliate or juristic person who may have conflicts of interest unless the foregoing relationship has ended not less than two years prior to the appointment.

5. Neither being nor having been an auditor of the company, its parent company, subsidiary, affiliate or juristic person who may have conflicts of interest, and not being a major shareholder, non-independent director, executive or partner of an audit firm which employs auditors of the company, its parent company, subsidiary, affiliate or juristic person who may have conflicts of interest unless the foregoing relationship has ended not less than two years from the appointment.

6. Neither being nor having been any professional advisor including legal advisor or financial advisor who receives an annual service fee exceeding two million Baht from the company, its parent company, subsidiary, affiliate or juristic person who may have conflicts of interest, and neither being nor having been a major shareholder, non-independent director, executive or partner of the professional advisor unless the foregoing relationship has ended not less than two years from the appointment date.

7. Not being a director who has been appointed as a representative of the companyûs director, major

120 A N N U A L R E P O R T 2 0 1 1

shareholder or shareholders who are related to the companyûs major shareholder. 8. Not having any characteristics which make him incapable of expressing independent opinions with

regard to the companyûs business affairs.

In addition, the Company also sets up the Executive Board of Directors comprising 6 directors with a 2-year tenure. Details of the authority and duty of the Executive Board of Directors are provided in Management Structure. It is a policy of the Executive Board of Directors to regularly arrange a meeting at least once a month with additional meeting to be called if required. Regarding the selection of directors, the company does not have an established selection committee to select directors. However, the Board of Directors consider the person selected to be director, as someone who must have the appropriate qualifications including experience and skills and based on directorship performance and is not prohibited by law. The information and the details of each Board of Directors can be found in Shareholding and Management Structure section. All Directors who based in Thailand have finished the Director Accreditation Program and some of them have been trained in Director Certification Program. All of the above programs have been conducted by the Thai Institute of Directors (IOD) and the company has sponsored this full-course training. The Company also encourage new director to attend the program. Furthermore, all directors are also encouraged to attend other seminar or training to enhance their knowledge for being a director. In 2011, Asso.Prof.Supriya Kuandachakupt, Member of the Audit Committee/ Independent Director attended a seminar çDirector Remuneration Survey 2010é held by Thai Instituted of Directors Association. The company has also set up Internal Audit Department as a companyûs internal business unit and directly report to the Audit Committee in order that the Board of Directors can efficiently monitor the companyûs performance. According to the resolution of the Board of Directors Meeting No. 4/2010, it opined to appoint Ms. Maneeporn Korkittisunthorn as the Company Secretary, to be responsible for and undertake the tasks of the Company Secretary in order to comply with Section 89/15 of the Securities and Exchange B.E. 2535 (including its amendments) as follows: 1. Preparing and keeping the following documents:

(a) A register of directors (b) A notice calling director meeting, a minute of the board of directors and an annual report of the

company (c) A notice calling shareholder meeting and a minute of shareholdersû meeting;

2. Keeping a report on interest filed by a director or an executive; 3. Performing any other acts as specified in the notification of the Capital Market Supervisory Board. Regarding the risk management, the company had set up a Risk Management Committee to establish an adequate risk management system and approve risk management policy, procedures and quarterly risk management reports prepared by Risk Management Subcommittee. The risk management system covers important risks which are credit risk, financial risk and operational risk. The risk management procedures include risk assessment, risk management, risk monitoring and risk controlling which will be reviewed every quarter.

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 a strictly manner. Details of the policy can be summarized as follows: 1. The information is provided only to relevant parties while at the same time emphasis is made to the

officers to retain the information cautiously. If the information is required for disclosure, report or disclosure of such internal information can be made only by the assigned person.

2. Notification must be made to all directors and management of the Company pertaining to their duty and responsibility on the internal information by not using internal information for their personal interest, including securities trading.

3. Every director and management of the Company is made aware of their duty and responsibility in providing a report on holding of the Companyûs securities by themselves, by their spouses, minority and by other parties related to directors and/or management, pursuant to Section 258 of the Securities and Exchange Act B.E. 1992, within 3 days from the date of a change in holding of the Companyûs securities. Such requirement is in compliance with Section 59 of the Securities and Exchange Act B.E. 1992.

4. Directors, management and employees in the division receiving internal information are recommended to avoid or suspend their trading of the Companyûs securities for a period of 1 month prior to the disclosure of financial statements to public. These persons have to sign the acknowledgement of restrain the internal information.

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

Dividend Payment Policy The Company and its subsidiary are, according to the Company and its subsidiaryûs circumstances 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 50 percent, 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 of their obligations, except for the Company and its subsidiary require to utilize any part or all of such payables on investment to generate higher income. This payment, in any event, shall be subject to the Company and its subsidiaryûs Articles of Association, prohibiting them from paying any dividend from other monies than profit. Additionally, where the Company and its subsidiary incur accumulated losses, no dividend shall be paid. Unless otherwise stipulated, dividend shall be paid according to the number of shares held (equally for each share), under the approval from a meeting of shareholders. However, the Company and its subsidiary might, from time to time, pay interim dividend to the shareholders as their profits are deemed adequate for such purpose, and, if so, report the same to the shareholders in their next meeting. However, the Board of Directors might decide otherwise, or amend the said Policy from time to time, provided that such decision is made for the shareholdersû best interest and under approval from the shareholdersû meeting.

122 A N N U A L R E P O R T 2 0 1 1

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 connected transaction, the Company and its subsidiary set out policy to proceed according to normal trading terms by referring to appropriate market rate and condition. In case where the transaction is not normal business transaction or without normal trading terms, such transaction must be presented to the Board of Directorsû meeting for approval except where the connected transaction is the normal business transaction or has normal trading terms which can be approved by the Executive Board of Directors or Managing Director within the predetermined authorized limit. In approving the connected transaction, directors and persons with potential interest or potential conflict of interest will not be entitled to participate in the voting of such transaction. Such transaction must be reported to the Companyûs Board of Directors for further acknowledgement accordingly. In entering into such transaction, it must be ensured that the transaction must provide maximum benefit to the Company. In considering the transaction, the Audit Committee must attend the meeting for review its necessity and reasonableness by considering price and rate of return of such transaction. In case where the Audit Committee does not have expertise in considering the transaction arisen, the Company will arrange to have person with expertise and skill, e.g. the Companyûs auditor or independent expert, to provide opinion on such connected transaction. Opinion of the Audit Committee or expert will be used as support for decision making of the Companyûs Board of Directors or shareholders as the case may be. In addition, the information on connected transactions will be disclosed in the notes to financial statements as audited by the Company and its subsidiaryûs auditor. The connected transaction must be made in accordance with the Securities and Exchange Act, rules and regulations, notification, order or provision of the Office of Securities and Exchange Commission and/or the Stock Exchange of Thailand concerning the connected transactions or the acquisition and disposal of the Companyûs asset in a strictly manner. The Company must also comply with the provision concerning the disclosure of information of connected transaction and acquisition or disposal of asset. In entering into any potential connected transaction in the future, the Company will proceed according to the measure stipulated above. It has a policy to operate in accordance with normal course of business by referring to appropriate market rate and condition to maximize benefit to the Company.

Details of Connected Transaction According to the resolution from the Board of Directors meeting No. 2nd/2012 on February 15, 2012, also attended by the Audit Committee and the independent directors to review the connected transaction for the period ended December 31, 2011 and December 31, 2010, the Board of Directors provided opinion concerning connected transactions that such connected transaction were necessary for the ordinary course of business whereas terms of such connected transactions with connected persons during such period were according to the market rate, contractual and agreed price which were reasonable and in the ordinary course of business. Details of the transaction can be summarized as follows:

[ CONNECTED TRANSACTIONS ]


1. Bangkok Bank Public Savings and current deposit at - Audit Committee have

Company Limited / bank, bank overdraft, short and reviewed and considered this

- Hold 7.35 percent of the long-term loan, aval fee of the item and provided opinion that

Companyûs shares as at Company and its subsidiary for interest rate charged is similar

December 30, 2011. working capital and business to the market rate and deemed

expansion reasonable in the ordinary

1. Savings and current deposit 423,099.89 119,936.06 course of business.

2. Bank overdraft 18,910.36 46,300.31

3. Short-term loan - 30,000.00

4. Long-term loan 2,000,000.00 2,300,000.00

5. Accrued interest expense 191.10 340.44

6. Interest expense 114,374.97 122,746.09

7. Aval fee 710.14 886.44

8. Pre-paid aval fee - 253.97

2. Bangkok Insurance Public Short-term loan of the Subsidiary - Audit Committee have

Company Limited / for working capital and Insurance reviewed and considered this

- Hold 0.95 percent of the expense of the Company and its item and provided opinion

Companyûs shares as at subsidiary according to the that interest rate charged and

December 30, 2011. market rate insurance expense are similar

1. Short-term loan - 60,000.00 to the market rate and deemed

2. Debenture 30,000.00 30,000.00 reasonable in the ordinary

3. Interest expense 2,425.81 1,759.56 course of business.

4. Accrued interest expense 181.48 181.48

5. Insurance expense 1,135.53 1,113.31

6. Prepaid insurance expense 315.13 229.20

3. Chailease Finance Co., Ltd Internal Audit Fee 1,000.00 - - Audit Committee and/or

- Major shareholder of the Independent Director have

Company with 37.43% reviewed and considered this

shareholding as of item and provided opinion that

December 30, 2011 value of such internal audit fee

is comparable with the asset

size in reference industry and

deemed reasonable in the

ordinary course of business.

4. Sathorn City Tower Property Rental expense for office space - Audit Committee have

Fund / and fixture and service of the reviewed and considered this

- Related to City Realty Company and its subsidiary item and provided opinion that

Co., Ltd. whom relates to 1. Rental expense for office 18,940.51 15,304.80 its value is consistent with the

the major shareholder of space and fixture and service agreement made and deemed

the Company (Bangkok reasonable in the ordinary

Bank Plc.) course of business. Source: Consolidated financial statements of Asia Sermkij Leasing Public Company Limited as audited by the auditor for the Year 2010 - 2011.

Parties with Potential Conflict / Type of Transaction Value of Connected Transaction Reason and Necessity of the

Nature of Transaction for the Period Ended (ù000 Baht) Connected Transaction / Remark

December 31, 2011 December 31, 2010

124 A N N U A L R E P O R T 2 0 1 1

[ MANAGEMENT DISCUSSION AND ANALYSIS ]

Overview of the Historical Operating Performance ECONOMY & INDUSTRY IN 2011 In 2011, the Thai economy ended up with a dismal GDP growth of only 0.1% substantially declining from the earlier projection of 4.1% and from 7.8% in 2010. In the first 3 quarters of 2011, the economy showed a steady growth with a 9-month GDP growth rate of 3.1%, riding the continuous recovering wave of 2010. However, in the 4th quarter, it suffered an abrupt precipitation of 9% owing to the worst flood crisis in 69 years. The devastating floods took a heavy toll for Baht1.4 trillion on the 7 industrial estates in the central district where automobile and electronics factories converged as well as on the agricultural and residential areas. As a result, strong domestic demand and buoyant export were suddenly halted due to supply chain disruptions in production and delivery. To stimulate the economic recovery from the flood disaster, the central bank made the first reduction of the reference rate in the past 2 years by 0.25% from 3.5% to 3.25% at the end of November 2011. For the vehicle hire-purchase industry, new car sales dropped by 0.8% from 800,357 units in 2010 to 794,081 units in 2011 due to the forced production stop, leaving a serious backlog of orders. By the same token, robust demand for machinery and working capital was forced to delay in leasing and factoring businesses. For the overview performance, the Company and its subsidiary, on a consolidated basis, recorded the net profit of Baht 331.54 million, increased by 14.32% from Baht 290.02 million in Year 2010 mainly due to an increase in hire purchase revenue. The return of equity (ROE) was 16.58% in Year 2011 as compared to 15.48% in Year 2010. Earning per share was Baht 1.44, increased 14.29% from 1.26 Baht per share in Year 2010.

Operating Performance Revenues In Year 2011, the Company and its subsidiaryûs total revenues amounted to Baht 1,656.75 million, increased by 21.51% from Baht 1,363.50 million in Year 2010. The major sources of revenues were income from hire purchase, accounting for 78.30% of total revenues. Such increase was attributable to the expansion in hire purchase portfolio. Hire purchase account receivables (before allowance for doubtful accounts) rose by 16.77% from Baht 13,808.32 million in Year 2010 to Baht 16,124.25 million in Year 2011. Incomes from financial lease decreased by 2.05% from Baht 57.08 million in Year 2010 to Baht 55.91 million in Year 2011, accounting for 3.37% of total revenues of the Company and its subsidiary. Such decreasing reflected from intensify credit approval during last year. Income from factoring increased by 34.51% from Baht 65.55 million in Year 2010 to Baht 88.17 million in Year 2011, accounting for 5.32% of total revenues of the Company and its subsidiary. Other incomes which were from personal loan, floor plan financing, penalty income from late payment, income from recommending insurance services, etc. increased by 16.08% from Baht 185.63 million in Year 2010 to Baht 215.49 million in Year 2011. This was mainly due to an increase in income from recommending insurance services which expanded accordingly with automobile hire purchase disbursement, rose from Baht 79.31 Million in Year 2010 to Baht 97.94 Million in Year 2011, or increased by 23.49%.


Expenses The Company and its subsidiaryûs expenses (including bad debts and doubtful accounts, finance cost and tax expenses) increased by 23.45% from Baht 1,073.49 million in Year 2010 to Baht 1,325.21 million in Year 2011. Selling and Administrative Expenses In Year 2011, total selling and administrative expenses stood at Baht 486.83 million, accounting for 36.74% of the Company and its subsidiaryûs total expenses, increased by 16.45% from Baht 417.67 million in Year 2010. Majority of the selling and administrative expenses comprised of employee salary, bonus and related expense accounting for 25.17% of total expenses while bad debts and doubtful accounts was Baht 58.70 million, representing 4.43% of total expenses. Finance Cost In Year 2010 finance cost which was the majority cost increased by 35.90% from Baht 459.42 million in Year 2010 to Baht 624.36 million in Year 2011, representing 47.11% of total expenses of the Company and its subsidiary. The change was mainly due to an increase in borrowing amount which was resulted from portfolio expansion. Corporate Income Tax In Year 2011, the corporate income tax increased by 45.34% from Baht 106.87 million in Year 2010 to Baht 155.33 million in Year 2011. This was mainly due to an increase in profit before tax and privilege tax from being a listed company in the Stock Exchange of Thailand in the amount 25% for 5 accounting year during 2006 - 2010 expired. The company has resumed paying the corporate income tax at 30% from 2011. Net Profit The Company and its subsidiaryûs net income after tax increased by 14.32% from Baht 290.02 million in Year 2010 to Baht 331.54 million in Year 2011. Earning per share increased from Baht 1.26 per share in Year 2010 to Baht 1.44 per share in Year 2011. In Year 2011, net profit margin and return on equity were 20.01% and 16.58% as compared to those of 21.27% and 15.48% respectively in Year 2010.

Financial Status Assets Total assets increased by 18.32% from Baht 15,394.84 million at the end of Year 2010 to Baht 18,214.88 million at the end of Year 2011. The hire purchase account receivable, major component of the Company and its subsidiary assets, accounts for 87.77% of total assets. Due to the strengthened collection efficiency, the augmented base of portfolio size, and bad-debt write-off, the Company and its subsidiaryûs NPLs was Baht 75.14 million at the end of Year 2011, accounting for only 0.42% of total account receivables (before allowance for doubtful accounts). In addition, the ratio of allowance for doubtful account to NPLs of 252.52% reflecting adequacy of the Company and its subsidiaryûs reserve for doubtful accounts. Liabilities Total liabilities as at the end of Year 2011 stood at Baht 16,168.93 million with the total loans amounting to Baht 15,768.57 Million. It comprised mainly of short-term loans at Baht 8,769.26 million, of which being

126 A N N U A L R E P O R T 2 0 1 1

overdraft, short-term borrowings from financial institutions, short-term borrowings from related parties and other short-term borrowings representing 55.61% of total borrowings. The Company has been trying to decrease the portion of short-term loan due to the upward trend of interest rate in order to manage the funding cost efficiently. Type of Borrowing As at December 31, 2011 Amount Proportion (Million Baht) (%)

Bank overdraft and short-term loans from financial institutions 2,898.91 18.38

- Loan from related financial institution 18.91 0.12

- Loan from other financial institutions 2,880.00 18.26

Current portion of long-term loans from related party 300.00 1.90

Current portion of long-term loans from financial institutions 1,300.00 8.24

Other short-term loans 4,270.35 27.09

Total Short-term loans 8,769.26 55.61

Long-term loans from related company-net of current portion 2,000.00 12.68

Long-term loans from financial institutions-net of current portion 4,300.00 27.27

Unsecured debentures 699.31 4.44

Total Long-term loans 6,999.31 44.39

Total loans 15,768.57 100.00 Liquidity As at December 31, 2011 the loan repayment and the installment to be obtained in different period can be summarized as follows: Period Loan Repayment Due Installment to be Obtained (Million Baht) from Debtor (Million Baht) Within 1 year 8,806.71 8,134.05 More than 1 year but not more than 2 years 7,000.00 5,549.29 More than 2 years but not more than 3 years - 3,754.46 More than 3 years - 2,566.67 Stop accrued account receivables - 80.60

Total 15,806.71 20,084.70

The difference gap between the installment expected to be obtained within 1 year and loan repayment due in 1 year of Baht 672.66 million would not affected the Company and its subsidiary since they still have the unused credit line from financial institutions amounting to approximately Baht 4,712 million stood ready. In addition, the Company and its subsidiary have been considered good credit customer who has never been called for default even during the economic crisis. The loans have been continuously renewed. These factors reflect the sufficiency in the financial liquidity of the Company and its subsidiary. Nevertheless, the Company


and its subsidiary continually improve its funding structure by gradually switching the short-term borrowings into a long-term borrowings to maintain the Companyûs interest rate spread and diversifying the source of fund from the bankûs loan to the debt and capital market. Shareholdersû Equity Shareholdersû equity increased by 4.79% from Baht 1,952.34 million at the end of Year 2010 to Baht 2,045.95 million at the end of Year 2011 with paid-up capital of Baht 1,150 million and retained earnings of Baht 750.57 million. This was mainly due to an increase in net profit of the company and its subsidiary. Auditorûs Fee In Year 2011, the Company and its subsidiaryûs remuneration to the auditors was summarized as follows:

1. Auditing fee to: - The office employing such auditor in the previous financial period totaling Baht 2,900,000. - The person or business related to such auditor and its office in the previous financial period

for auditing service totaling Baht 0 and no for other expense related to auditing service. 2. Fee from other services

The Company and its subsidiaryûs fee from other services were derived from such expenses as document delivery, traveling expense and other expenses etc., to the following parties: - The office employing such auditor in the previous financial period totaling Baht 10,545. - The person or business related to such auditor and its office in the previous financial period

totaling 0 Baht.

128 A N N U A L R E P O R T 2 0 1 1

[ REPORT OF INDEPENDENT AUDITOR ]

To the Shareholders of Asia Sermkij Leasing Public Company Limited I have audited the accompanying consolidated statements of financial position of Asia Sermkij Leasing Public Company Limited and its subsidiary as at 31 December 2011 and 2010, the related consolidated statements of comprehensive income, changes in shareholdersû equity and cash flows for the years then ended, and have also audited the separate financial statements of Asia Sermkij Leasing Public Company Limited for the same periods. These financial statements are the responsibility of the management of the Company and its subsidiary as to their correctness and the completeness of the presentation. My responsibility is to express an opinion on these financial statements based on my audits. I conducted my audits in accordance with generally accepted auditing standards. Those standards require that I plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. I believe that my audits provide a reasonable basis for my opinion. In my opinion, the financial statements referred to above present fairly, in all material respects, the financial position of Asia Sermkij Leasing Public Company Limited and its subsidiary and of Asia Sermkij Leasing Public Company Limited as at 31 December 2011 and 2010, the results of their operations, and cash flows for the years then ended, in accordance with generally accepted accounting principles. Without qualifying my opinion on the above financial statements, I draw attention to Note 3 to the financial statements. During the current year, the Company adopted the revised and new accounting standards as issued by the Federation of Accounting Professions, and applied them in the preparation and presentation of its financial statements. Chayapol Suppasedtanon Certified Public Accountant (Thailand) No. 3972 Ernst & Young Office Limited Bangkok: 15 February 2012


(Unit: Baht) Consolidated Separate financial statements financial statements Note 2011 2010 2011 2010 Assets

Current assets

Cash and cash equivalents 8, 25, 26 439,988,696 128,063,925 407,854,452 28,274,345

Current investment 2,720,250 1,857,375 2,720,250 1,857,375

Current portion of hire purchase receivables 9 5,745,863,479 4,948,338,231 5,180,799,214 4,466,363,750

Current portion of financial lease receivables 10 297,619,918 292,525,757 - -

Factoring receivables 11 831,170,503 678,296,044 - -

Current portion of loan receivables 12 44,467,105 22,145,011 44,467,105 17,957,288

Short-term loans to a related party 25 - - 845,000,000 -

Assets foreclosed 14 24,137,601 22,133,034 22,332,002 12,900,598

Other current assets 151,017,521 179,638,961 90,776,145 126,525,867

Total current assets 7,536,985,073 6,272,998,338 6,593,949,168 4,653,879,223

Non-current assets

Hire purchase receivables - long-term portion 9 10,242,107,039 8,741,168,887 9,680,062,653 8,359,711,323

Financial lease receivables - long-term portion 10 319,333,511 289,087,792 - -

Loan receivables - long-term portion 12 15,367,314 - 15,367,314 -

Investment in subsidiary 15 - - 446,913,607 446,913,607

Other long-term investment 16 311,040 284,160 - -

Land, building and equipment 17 49,786,458 41,868,386 46,920,612 38,367,077

Intangible assets 18 24,373,830 24,461,407 19,796,222 20,367,674

Other non-current assets 19 26,618,469 24,970,309 5,181,258 4,556,059

Total non-current assets 10,677,897,661 9,121,840,941 10,214,241,666 8,869,915,740

Total assets 18,214,882,734 15,394,839,279 16,808,190,834 13,523,794,963

[ STATEMENTS OF FINANCIAL POSITION ]

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

Asia Sermkij Leasing Public Company Limited and its subsidiary

As at 31 December 2011 and 2010

130 A N N U A L R E P O R T 2 0 1 1

(Unit: Baht) Consolidated Separate financial statements financial statements Note 2011 2010 2011 2010 Liabilities and shareholdersû equity

Current liabilities

Bank overdrafts and short-term loans from banks 20, 25 2,898,910,365 2,749,799,387 2,578,910,365 1,906,300,314

Short-term loans from a related party 25 - 60,000,000 - -

Current portion of long-term loans from a

related party 25 300,000,000 - - -

Current portion of long-term loans from banks 22 1,300,000,000 1,500,000,000 1,300,000,000 1,500,000,000

Amounts due to related parties 25 483,534 521,918 372,575 372,575

Other short-term loans 21 4,270,345,981 2,958,708,181 4,163,435,522 2,948,720,600

Income tax payable 76,423,116 54,877,722 64,301,823 43,076,011

Other current liabilities 280,762,928 239,747,372 199,655,040 156,728,724

Total current liabilities 9,126,925,924 7,563,654,580 8,306,675,325 6,555,198,224

Non-current liabilities

Long-term loans from a related party

- net of current portion 25 2,000,000,000 2,300,000,000 1,500,000,000 1,500,000,000

Long-term loans from banks

- net of current portion 22 4,300,000,000 2,880,000,000 4,300,000,000 2,880,000,000

Unsecured debentures 23, 25 699,314,416 698,848,175 699,314,416 698,848,175

Provision for long-term employee benefits 24 42,694,072 - 36,286,141 -

Total non-current liabilities 7,042,008,488 5,878,848,175 6,535,600,557 5,078,848,175

Total liabilities 16,168,934,412 13,442,502,755 14,842,275,882 11,634,046,399

[ STATEMENTS OF FINANCIAL POSITION (CONTINUED) ]





(Unit: Baht) Consolidated Separate financial statements financial statements Note 2011 2010 2011 2010 Shareholdersû equity

Share capital

Registered

230,000,000 ordinary shares of Baht 5 each 1,150,000,000 1,150,000,000 1,150,000,000 1,150,000,000

Issued and fully paid-up

230,000,000 ordinary shares of Baht 5 each 1,150,000,000 1,150,000,000 1,150,000,000 1,150,000,000

Share premium 141,185,450 141,185,450 141,185,450 141,185,450

Difference from restructuring of shareholding 4,188,003 4,188,003 - -

Retained earnings

Appropriated - statutory reserve 27 76,702,710 61,251,128 76,702,710 61,251,128

Unappropriated 673,872,159 595,711,943 598,026,792 537,311,986

Total shareholdersû equity 2,045,948,322 1,952,336,524 1,965,914,952 1,889,748,564

Total liabilities and shareholdersû equity 18,214,882,734 15,394,839,279 16,808,190,834 13,523,794,963

[ STATEMENTS OF FINANCIAL POSITION (CONTINUED ]




132 A N N U A L R E P O R T 2 0 1 1

(Unit: Baht) Consolidated Separate financial statements financial statements Note 2011 2010 2011 2010 Revenues

Hire purchase interest income 1,297,181,717 1,055,238,248 1,202,933,139 978,080,756

Factoring income 88,163,275 65,546,048 - -

Interest income on financial leases 55,909,995 57,084,431 - -

Interest income from loans 25 5,549,688 3,090,773 25,257,681 2,529,195

Penalty income 43,796,203 47,259,443 40,270,077 44,473,924

Income from recommending insurance services 97,944,946 79,311,540 93,505,020 76,355,760

Dividend income 55,575 49,725 17,595,569 6,627,223

Other income 68,143,923 55,924,062 58,544,100 54,993,716

Total revenues 1,656,745,322 1,363,504,270 1,438,105,586 1,163,060,574

Expenses

Selling expenses 107,901,953 89,914,100 87,536,006 72,611,992

Administrative expenses 378,925,158 327,756,452 300,237,125 259,495,144

Bad debts and doubtful accounts 58,697,048 89,517,678 48,448,165 63,359,139

Total expenses 545,524,159 507,188,230 436,221,296 395,466,275

Profit before finance cost and corporate income tax 1,111,221,163 856,316,040 1,001,884,290 767,594,299

Finance cost 25 (624,356,599) (459,422,918) (562,359,555) (401,456,074)

Profit before corporate income tax 486,864,564 396,893,122 439,524,735 366,138,225

Corporate income tax (155,327,691) (106,874,131) (130,493,109) (88,110,152)

Profit for the year 331,536,873 290,018,991 309,031,626 278,028,073

Other comprehensive income - - - -

Total comprehensive income for the year 331,536,873 290,018,991 309,031,626 278,028,073

⁄Basic earnings per share 29

Net profit 1.44 1.26 1.34 1.21

[ STATEMENTS OF COMPREHENSIVE INCOME ]



For the years ended 31 December 2011 and 2010


(Unit: Baht) Consolidated financial statements

Difference Retained earnings

Issued and from Appropriated-

paid-up Share restructuring Statutory

Note share capital premium of shareholding reserve Unappropriated Total

Balance as at 31 December 2009 1,150,000,000 141,185,450 4,188,003 47,349,725 452,994,355 1,795,717,533

Total comprehensive income for the year - - - - 290,018,991 290,018,991

Statutory reserve - - - 13,901,403 (13,901,403) -

Dividend paid 33 - - - - (133,400,000) (133,400,000)



Cumulative effect of change in accounting

policy for employee benefits 5 - - - - (35,525,075) (35,525,075)

Total comprehensive income for the year - - - - 331,536,873 331,536,873

Statutory reserve - - - 15,451,582 (15,451,582) -

Dividend paid 33 - - - - (202,400,000) (202,400,000)


[ STATEMENTS OF CHANGES IN SHAREHOLDERSû EQUITY ]




134 A N N U A L R E P O R T 2 0 1 1

(Unit: Baht) Separate financial statements

Retained earnings

Issued and Appropriated-

paid-up Share Statutory

Note share capital premium reserve Unappropriated Total

Balance as at 31 December 2009 1,150,000,000 141,185,450 47,349,725 406,585,316 1,745,120,491

Total comprehensive income for the year - - - 278,028,073 278,028,073

Statutory reserve - - 13,901,403 (13,901,403) -

Dividend paid 33 - - - (133,400,000) (133,400,000)



Cumulative effect of change in accounting

policy for employee benefits 5 - - - (30,465,238) (30,465,238)

Total comprehensive income for the year - - - 309,031,626 309,031,626

Statutory reserve - - 15,451,582 (15,451,582) -

Dividend paid 33 - - - (202,400,000) (202,400,000)


[ STATEMENTS OF CHANGES IN SHAREHOLDERSû EQUITY ]





[ CASH FLOW STATEMENTS ]




(Unit: Baht) Consolidated Separate financial statements financial statements 2011 2010 2011 2010 Cash flows from operating activities Profit before tax 486,864,564 396,893,122 439,524,735 366,138,225 Adjustments to reconcile profit before tax to net cash provided by (paid from) operating activities: Bad debts and doubtful accounts 58,697,048 89,517,678 48,448,165 63,359,139 Allowance for diminution in value of assets foreclosed (reversal) 593,219 (4,202,727) (1,560,282) (7,499,246) Allowance for diminution in value of other long-term investments (reversal) (26,880) 14,080 - - Depreciation 14,869,299 13,981,248 12,660,047 10,704,547 Amortisation of intangible assets 2,725,361 2,334,485 2,355,650 2,241,285 Equipment written off - 80 - 64 Provision for long-term employee benefits 7,168,997 - 5,820,903 - Gain from revaluation of investments (862,875) (131,625) (862,875) (131,625) Gain on disposals of equipment (994,501) (1,162,137) (684,713) (1,162,137) Interest income (1,428,155,540) (1,165,544,548) (1,228,190,820) (980,609,952) Interest expenses 621,231,543 455,745,993 559,944,636 398,887,706 Dividend income (55,575) (49,725) (17,595,569) (6,627,223) Loss from operating activities before changes in operating assets and liabilities (237,945,340) (212,604,076) (180,140,123) (154,699,217) Decrease (increase) in operating assets Hire purchase receivables (2,316,345,131) (2,894,870,101) (2,054,003,168) (2,673,637,367) Financial lease receivables (25,068,917) 28,514,610 - - Factoring receivables (154,370,570) (52,644,189) - - Loan receivables (38,789,854) 7,377,008 (43,011,349) 3,636,574 Short-term loans to a related party - - (845,000,000) - Assets foreclosed (6,556,058) 7,885,095 (11,829,395) 6,306,701 Other current assets 33,304,455 (66,719,784) 37,178,403 (35,310,746) Other non-current assets (35,242,405) (54,056,487) (12,901,347) (36,752,776) Increase (decrease) in operating liabilities Amounts due to related parties - (5,036,089) - (4,121,566) Other current liabilities 26,881,024 36,343,801 29,585,425 5,856,793 Cash used in operating activities (2,754,132,796) (3,205,810,212) (3,080,121,554) (2,888,721,604) Cash received from interest 1,410,185,279 1,180,032,952 1,211,487,377 992,891,028 Cash paid for interest expenses (627,387,321) (460,926,172) (562,839,199) (404,165,516) Cash paid for corporate income tax (133,976,290) (99,539,817) (109,339,069) (79,570,023) Net cash used in operating activities (2,105,311,128) (2,586,243,249) (2,540,812,445) (2,379,566,115)

136 A N N U A L R E P O R T 2 0 1 1

[ CASH FLOW STATEMENTS (CONTINUED) ]



(Unit: Baht) Consolidated Separate financial statements financial statements 2011 2010 2011 2010 Cash flows from investing activities

Acquisitions of equipment and vehicle (22,787,470) (17,174,830) (21,213,657) (15,260,060)

Acquisitions of intangible assets (2,637,784) (3,311,010) (1,784,199) (3,311,010)

Proceeds from disposals of equipment and vehicle 994,600 1,162,150 684,787 1,162,150

Dividend income 55,575 49,725 17,595,569 6,627,223

Net cash used in investing activities (24,375,079) (19,273,965) (4,717,500) (10,781,697)

Cash flows from financing activities

Increase (decrease) in short-term loans from banks 176,500,927 (397,471,798) 700,000,000 (630,000,000)

Decrease in short-term loans from a related party (60,000,000) - - -

Increase in other short-term loans 1,334,900,000 1,762,900,000 1,234,900,000 1,752,900,000

Increase in long-term loans from a related party - 2,000,000,000 - 1,500,000,000

Repayment of long-term loans from a related party - (2,000,000,000) - (1,500,000,000)

Increase in long-term loans from banks 2,720,000,000 1,580,000,000 2,720,000,000 1,580,000,000

Repayment of long-term loan from banks (1,500,000,000) (1,000,000,000) (1,500,000,000) (1,000,000,000)

Dividend paid (202,400,000) (133,400,000) (202,400,000) (133,400,000)

Proceeds from debentures issuance - 698,600,000 - 698,600,000

Net cash from financing activities 2,469,000,927 2,510,628,202 2,952,500,000 2,268,100,000

Net increase (decrease) in cash and cash equivalents 339,314,720 (94,889,012) 406,970,055 (122,247,812)

Cash and cash equivalents at beginning of year 81,763,611 176,652,623 (18,025,968) 104,221,844

Cash and cash equivalents at end of year (Note 26) 421,078,331 81,763,611 388,944,087 (18,025,968)





1. General information

Asia Sermkij Leasing Public Company Limited (çthe Companyé) is a public company incorporated and domiciled in Thailand. Its major shareholders are Chailease Finance Company Limited, Chailease International Company (Malaysia) Limited and AK Enterprise (Thailand) Company Limited, which have the same group of shareholders, and its ultimate parent company is Chailease Holding Company Limited. The Company is principally engaged in the auto hire purchase services and its registered address is 175 Sathorn City Tower, 24th Floor, South Sathorn Road, Tungmahamek, Sathorn, Bangkok.

2. Basis of preparation

2.1 The financial statements have been prepared in accordance with accounting standards enunciated under the Accounting Profession Act B.E. 2547 and their presentation has been made in compliance with the stipulations of the Notification of the Department of Business Development dated 28 September 2011, issued under the Accounting Act B.E. 2543. The financial statements in Thai language are the official statutory financial statements of the Company. The financial statements in English language have been translated from the Thai language financial statements. The financial statements have been prepared on a historical cost basis except where otherwise disclosed in the accounting policies.

2.2 Basis of consolidation a) The consolidated financial statements include the financial statements of the Company and

the following subsidiary: Country of Percentage of Subsidiary Nature of business incorporation shareholding 2011 2010 (Percent) (Percent) Bangkok Grand Pacific Lease Hire purchase, leasing Thailand 99.99 99.99 Public Company Limited and factoring

b) Subsidiary is fully consolidated, being the date on which the Company obtains control, and continue to be consolidated until the date when such control ceases.

c) The financial statements of the subsidiary are prepared using the same significant accounting policies as the Company.

d) Material balances and transactions between the Company and its subsidiary have been eliminated from the consolidated financial statements. The Company and the subsidiary had the same directors and shareholders both before and after the Company acquired the subsidiary, and the Company therefore recorded the difference between the attributable net asset value of the subsidiary and the acquisition cost of Baht 4.2 million in shareholdersû equity.

2.3 The separate financial statements, which present investments in subsidiary under the cost method, have been prepared solely for the benefit of the public.

[ NOTES OT CONSOLIDATED FINANCIAL STATEMENTS ]

138 A N N U A L R E P O R T 2 0 1 1

3. Adoption of new accounting standards during the year During the current year, the Company adopted a number of revised and new accounting standards, issued by the Federation of Accounting Professions, as listed below. Accounting standards TAS 1 (revised 2009) Presentation of Financial Statements TAS 7 (revised 2009) Statement of Cash Flows TAS 8 (revised 2009) Accounting Policies, Changes in Accounting Estimates and Errors TAS 10 (revised 2009) Events after the Reporting Period TAS 16 (revised 2009) Property, Plant and Equipment TAS 17 (revised 2009) Leases TAS 18 (revised 2009) Revenue TAS 19 Employee Benefits TAS 24 (revised 2009) Related Party Disclosures TAS 27 (revised 2009) Consolidated and Separate Financial Statements TAS 33 (revised 2009) Earnings per Share TAS 34 (revised 2009) Interim Financial Reporting TAS 36 (revised 2009) Impairment of Assets TAS 37 (revised 2009) Provisions, Contingent Liabilities and Contingent Assets TAS 38 (revised 2009) Intangible Assets Financial reporting standards: TFRS 5 (revised 2009) Non-current Assets Held for Sale and Discontinued Operations These accounting standards do not have any significant impact on the financial statements, except for the following accounting standards. TAS 19 Employee Benefits This accounting standard requires employee benefits to be recognised as expense in the period in which the service is performed by the employee. In particular, an entity has to evaluate and make a provision for post-employment benefits using actuarial techniques. The Company and its subsidiary previously accounted for such employee benefits when they were incurred. The Company and its subsidiary have changed this accounting policy in the current year and recognise the liability in the transition period through an adjustment to the beginning balance of retained earnings in the current year. The change has the effect of decreasing the profit of the Company and its subsidiary for the year 2011 by Baht 7.17 million (Baht 0.031 per share) (Separate financial statements: decreasing profit by Baht 5.82 million (Baht 0.025 per share)). The cumulative effect of the changes in the accounting policy has been presented in Note 5 to the financial statements.

4. New accounting standards issued during the years not yet effective The Federation of Accounting Professions issued the following new/revised accounting standards that are effective for fiscal years beginning on or after 1 January 2013. Accounting standards: TAS 12 Income Taxes TAS 20 (revised 2009) Accounting for Government Grants and Disclosure of Government Assistance TAS 21 (revised 2009) The Effects of Changes in Foreign Exchange Rates Accounting Standard Interpretations: SIC 10 Government Assistance - No Specific Relation to Operating Activities


SIC 21 Income Taxes - Recovery of Revalued Non-Depreciable Assets SIC 25 Income Taxes - Changes in the Tax Status of an Entity or its Shareholders

The Companyûs management believes that these accounting standards will not have any significant impact on the financial statements for the year when they are initially applied, except for the following accounting standard. TAS 12 Income Taxes This accounting standard requires an entity to identify temporary differences, which are differences between the carrying amount of an asset or liability in the accounting records and its tax base, and to recognize deferred tax assets and liabilities under the stipulated guidelines. TAS 12 will become effective on 1 January 2013, and the management is therefore not currently able to evaluate the impact on the financial statements for the year in which TAS 12 will be initially applied.

5. Cumulative effect of change in accounting policy for employee benefits

During the current year, the Company and the subsidiary made the changes to their significant accounting policies described in Note 3 to the financial statements, as a result of the adoption of revised and new accounting standards. The cumulative effect of the changes in the accounting policies, which has been separately presented in the statements of changes in shareholdersû equity, was to decrease the beginning balance of retained earnings for 2011 by Baht 35.52 million (Separate financial statements : decrease by Baht 30.47 million). The amounts of adjustments affecting the statement of financial position as at 31 December 2011 and the statement of comprehensive income for the year ended 31 December 2011 are summarised below.

(Unit: Thousand Baht) Consolidated Separate financial statements financial statements Statements of financial position

Increase in provision for long-term employee benefits 42,694 36,286

Decrease in unappropriated retained earnings 42,694 36,286

Statements of comprehensive income

Increase in employee expenses 7,169 5,821

Decrease in profit attributable to equity holders of the Company 7,169 5,821

Decrease in basic earnings per share (Baht) 0.031 0.025

6. Significant accounting policies

6.1 Revenue recognition a) Hire purchase interest income/Interest income on financial leases/Interest income from loans

Hire purchase interest income, interest income on financial leases and interest income from loans is recognised as income over the period of agreement, using the effective rate method, with income recognised when the installments fall due irrespective of when actual collection is made. Recognition of interest income is stopped for receivables which have defaulted on more than 6 scheduled installment payments.

140 A N N U A L R E P O R T 2 0 1 1

b) Factoring income The subsidiary recognises fees relating to factoring transactions when the factoring agreement is executed. Interest income from factoring is recognised on an accrual basis. Recognition of interest income is stopped for factoring receivables which have defaulted for more than 4 months.

c) Operating lease income Operating lease income is recognised over the rent period. d) Penalty income Penalty income is recognised on an accrual basis. e) Income from recommending insurance services Income from recommending insurance services is recognised on an accrual basis.

6.2 Cash and cash equivalents

Cash and cash equivalents consist of cash in hand and at banks, and all highly liquid investments, with an original maturity of three months or less and not subject to withdrawal restrictions. For the purpose of the cash flow statement, cash and cash equivalents consist of cash and cash equivalents as defined above, net of outstanding bank overdrafts.

6.3 Receivables and allowance for doubtful accounts

Hire purchase receivables, financial lease receivables, factoring receivables and loan receivables are stated net of unearned interest income and allowance for doubtful accounts. The Company provides allowance for doubtful accounts for hire purchase receivables and loan receivables based on the estimated collection losses that may be incurred in collection of receivables, by considering of the current status of receivables, their ability to make payment, past experience and historical data on actual losses on collection. The subsidiary provides allowance for doubtful accounts for hire purchase receivables, financial lease receivables, loan receivables and factoring receivables which are treated as commercial loans, based on consideration of the receivablesû status, ability to make payment and the value of collateral.

6.4 Assets foreclosed

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

6.5 Investments

Investments in securities held for trading are stated at fair value. Changes in the fair value of these securities are recorded in profit or loss. The fair value of marketable securities is based on the latest bid price of the last working day of the year as quoted on the Stock Exchange of Thailand. Investments in non-marketable equity securities, which are regarded as other investments, are stated at cost net of allowance for loss on diminution in value of investments (if any). Investment in subsidiary is accounted for in the separate financial statements using the cost method. The weighted average method is used for computation of the cost of investments.


6.6 Land, building and equipment/Depreciation Land is stated at cost. Building and equipment are stated at cost less accumulated depreciation and allowance for loss on impairment of assets (if any). Depreciation of building and equipment is calculated by reference to their costs on the straight-line basis over the following estimated useful lives: Building 20 years Furniture, fixtures and equipment 5 years Vehicles 5 years

Depreciation is included in determining profit. No depreciation is provided for land and building improvement under construction. An item of land, building and equipment is derecognised upon disposal or when no future economic benefits are expected from its use or disposal. Any gain or loss arising on disposal of an asset (calculated as the difference between the net disposal proceeds and the carrying amount of the asset) is included in profit or loss when the asset is derecognised.

6.7 Intangible assets

Intangible assets are initially recognised at cost. Following initial recognition, the intangible assets are stated at cost less any accumulated amortisation and any accumulated impairment losses. Intangible assets with finite lives are amortised on a systematic basis over the economic useful life and tested for impairment whenever there is an indication that the intangible asset may be impaired. The amortisation period and the amortisation method of such intangible assets are reviewed at least at each financial year end. The amortisation expense is charged to profit or loss. A summary of the intangible assets with finite useful lives is as follows. Software 10 years The amortisation is included in determining profit. No amortisation is provided for software under installation.

6.8 Related party transactions

Related parties comprise enterprises and individuals that control, or are controlled by, the Company, whether directly or indirectly, or which are under common control with the Company. They also include associated companies and individuals which directly or indirectly own a voting interest in the Company that gives them significant influence over the Company, key management personnel, directors and officers with authority in the planning and direction of the Companyûs operations.

6.9 Long-term leases

The Company and the subsidiary as a lessor. Leases which the Company and the subsidiary transfer substantially all the risks and rewards of ownership are classified as finance leases. Amounts due from leasees under hire purchases and financial leases are recorded as receivables at the amount of the Company and the subsidiaryûs net investment in leases. Finance lease income is allocated to accounting periods to reflect a constant periodic rate of return on the Company and the subsidiaryûs net investment outstanding in respect of the leases. Initial costs directly attributable to a hire purchase contract, such as commissions, are included in the measurement of the net investment in the lease and reflected in the calculation of the implicit interest rate.

142 A N N U A L R E P O R T 2 0 1 1

Leases under which the Company and the subsidiary retain substantially all the risks and rewards of ownership of the assets are classified as operating leases.

6.10 Foreign currencies

Transactions in foreign currencies are translated into Baht at the exchange rate ruling at the date of the transaction. Monetary assets and liabilities denominated in foreign currencies are translated into Baht at the exchange rate ruling at the end of reporting period. Gains and losses on exchange are included in determining income.

6.11 Impairment of assets

At the end of each reporting period, the Company and the subsidiary perform impairment reviews in respect of the property, building and equipment and other intangible assets whenever events or changes in circumstances indicate that an asset may be impaired. An impairment loss is recognised when the recoverable amount of an asset, which is the higher of the assetûs fair value less costs to sell and its value in use, is less than the carrying amount. In determining value in use, the estimated future cash flows are discounted to their present value using a pre-tax discount rate that reflects current market assessments of the time value of money and the risks specific to the asset. In determining fair value less costs to sell, an appropriate valuation model is used. These calculations are corroborated by a valuation model that, based on information available, reflects the amount that the Company and the subsidiary could obtain from the disposal of the asset in an armûs length transaction between knowledgeable, willing parties, after deducting the costs of disposal. An impairment loss is recognised in profit or loss.

6.12 Employee benefits

Short-term employee benefits Salaries, wages, bonuses and contributions to the social security fund are recognised as expenses when incurred. Post-employment benefits Defined contribution plans The Company, the subsidiary and its employees have jointly established a provident fund. The fund is monthly contributed by employees, the subsidiary and by the Company. The fundûs assets are held in a separate trust fund and the Company and the subsidiaryûs contributions are recognised as expenses when incurred. Defined benefit plans The Company and the subsidiary have obligations in respect of the severance payments it must make to employees upon retirement under labor law. The Company and the subsidiary treat these severance payment obligations as a defined benefit plan. The obligation under the defined benefit plan is determined by a professionally qualified independent actuary based on actuarial techniques, using the projected unit credit method. Actuarial gains and losses arising from post-employment benefits are recognised as income or expenses when the net cumulative unrecognised actuarial gains and losses at the end of the previous reporting period exceed 10% of the defined benefit obligation at that date. These gains or losses are recognised over the expected average remaining working lives of the employees participating in the plan. For the first-time adoption of TAS 19 Employee Benefits, the Company and the subsidiary elected to recognise the transitional liability, which exceeds the liability that would have been recognised at the same date under the previous accounting policy, through an adjustment to the beginning balance of retained earnings in the current year.


6.13 Income tax Income tax is provided for in the accounts at the amount expected to be paid to the taxation authorities, based on the taxable profits determined in accordance with tax legislation.

6.14 Provisions

Provisions are recognised when the Company and the subsidiary have a present obligation as a result of a past event, it is probable that an outflow of resources embodying economic benefits will be required to settle the obligation, and a reliable estimate can be made of the amount of the obligation.

6.15 Interest rate swap contracts

The net amount of interest to be received from or paid to the counterparty under the interest rate swap contracts is recognised as income or expense on an accrual basis.

7. Significant accounting judgments and estimates The preparation of financial statements in conformity with generally accepted accounting principles at times requires management to make subjective judgments and estimates regarding matters that are inherently uncertain. These judgments and estimates affect reported amounts and disclosures and actual results could differ. Significant judgments and estimates are as follows: Leases In determining whether a lease is to be classified as an operating lease or finance lease, the management is required to use judgment regarding whether significant risk and rewards of ownership of the leased asset has been transferred, taking into consideration terms and conditions of the arrangement. Allowance for doubtful accounts In determining an allowance for doubtful accounts, the management needs to make judgment and estimates based upon, among other things, past collection history, aging profile of outstanding debts and the prevailing economic condition. Fair value of financial instruments In determining the fair value of financial instruments that are not actively traded and for which quoted market prices are not readily available, the management exercise judgment, using a variety of valuation techniques and models. The input to these models is taken from observable markets, and includes consideration of liquidity, correlation and longer-term volatility of financial instruments. Post-employment benefits under defined benefit plans The obligation under the defined benefit plan is determined based on actuarial techniques. Such determination is made based on various assumptions, including discount rate, future salary increase rate, mortality rate and staff turnover rate.

144 A N N U A L R E P O R T 2 0 1 1

8. Cash and cash equivalents (Unit: Thousand Baht)

Consolidated Separate financial statements financial statements 2011 2010 2011 2010 Cash 2,004 2,539 1,954 2,498

Bank deposits 437,984 125,525 405,900 25,785

Total 439,988 128,064 407,854 28,274

As at 31 December 2011, bank deposits in saving accounts and fixed deposits carried interests between 0.25 and 0.85 percent per annum (2010: between 0.20 and 0.37 percent per annum).

9. Hire purchase receivables 9.1 As at 31 December 2011 and 2010, the balance of hire purchase receivables are as follows:

(Unit: Thousand Baht) Consolidated financial statements Current portion of hire Long-term portion of hire purchase receivables purchase receivables Total 2011 2010 2011 2010 2011 2010 Hire purchase receivables 6,935,752 5,968,953 11,520,055 9,850,813 18,455,807 15,819,766

Less: Unearned hire purchase interest income (1,134,989) (968,092) (1,196,572) (1,043,351) (2,331,561) (2,011,443)

Less: Allowance for doubtful 5,800,763 5,000,861 10,323,483 8,807,462 16,124,246 13,808,323

accounts (54,900) (52,523) (81,376) (66,293) (136,276) (118,816)

Hire purchase receivables - net 5,745,863 4,948,338 10,242,107 8,741,169 15,987,970 13,689,507

(Unit: Thousand Baht) Separate financial statements Current portion of hire Long-term portion of hire purchase receivables purchase receivables Total 2011 2010 2011 2010 2011 2010 Hire purchase receivables 6,272,709 5,404,878 10,897,757 9,426,470 17,170,466 14,831,348

Less: Unearned hire purchase interest income (1,055,042) (908,469) (1,148,850) (1,010,490) (2,203,892) (1,918,959)

Less: Allowance for doubtful 5,217,667 4,496,409 9,748,907 8,415,980 14,966,574 12,912,389

accounts (36,868) (30,045) (68,844) (56,269) (105,712) (86,314)

Hire purchase receivables - net 5,180,799 4,466,364 9,680,063 8,359,711 14,860,862 12,826,075


9.2 As at 31 December 2011 and 2010, the balances of hire purchase receivables (net of unearned hire purchase interest income) are classified by aging as follows:

(Unit: Thousand Baht) Consolidated Separate financial statements financial statements Age of receivables 2011 2010 2011 2010 Not yet due 14,991,790 13,038,923 13,865,122 12,181,928

Past due

1 - 3 installments 1,021,274 687,326 1,010,496 675,168

4 - 6 installments 75,972 36,034 62,954 28,093

7 - 12 installments 12,783 28,040 11,887 14,352

Over 12 installments 22,427 18,000 16,115 12,848

Total 16,124,246 13,808,323 14,966,574 12,912,389

Less: Allowance for doubtful accounts (136,276) (118,816) (105,712) (86,314)

Hire purchase receivables - net 15,987,970 13,689,507 14,860,862 12,826,075

9.3 As at 31 December 2011 and 2010, a reconciliation between minimum lease payments in the hire purchase contracts together with the present value of future minimum lease payments receivables are as follows:

(Unit: Thousand Baht) Consolidated financial statements 2011 2010 Minimum lease Present value of Minimum lease Present value of payments of hire future minimum payments of hire future minimum purchase lease payments purchase lease payments contracts receivable contracts receivable Within one year 6,935,752 5,800,763 5,968,953 5,000,861 After one year but not more than five years 11,410,831 10,218,362 9,763,317 8,723,389 More than five years 109,224 105,121 87,496 84,073 Total 18,455,807 16,124,246 15,819,766 13,808,323 Less: Amounts representing finance charges (2,331,561) (2,011,443) Present value of future minimum lease payments receivable 16,124,246 13,808,323

(Unit: Thousand Baht) Separate financial statements 2011 2010 Minimum lease Present value of Minimum lease Present value of payments of hire future minimum payments of hire future minimum purchase lease payments purchase lease payments contracts receivable contracts receivable Within one year 6,272,709 5,217,667 5,404,878 4,496,409

After one year but not more than five years 10,788,533 9,643,786 9,338,974 8,331,907

More than five years 109,224 105,121 87,496 84,073

Total 17,170,466 14,966,574 14,831,348 12,912,389

Less: Amounts representing finance charges (2,203,892) (1,918,959)

Present value of future minimum

lease payments receivable 14,966,574 12,912,389

146 A N N U A L R E P O R T 2 0 1 1

9.4 On 30 April 2004, the Institute of Certified Accountants and Auditors of Thailand with the approval of the Office of the Securities and Exchange Commission, stipulated an accounting guideline for the consumer finance business, whereby full allowance for doubtful accounts is to be recorded, recognition of revenue is to cease for accounts receivable which are overdue by more than 3 installments, and general allowance is to be provided for accounts receivable which are overdue not more than 3 installments. If the Company had followed this accounting guideline, without considering a general provision, as at 31 December 2011 the Company would have to decrease its allowance for doubtful accounts by a total of Baht 14.76 million (2010: decrease by a total of Baht 31.02 million) and reduce the amount of revenue recognised for the year ended 31 December 2011 by Baht 0.78 million (2010: Baht 0.29 million). However, this accounting guideline provides an alternative whereby, in cases where a company believes that 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 which are overdue by more than 6 installments and to set up allowance based on consideration of the current status of receivables, their ability to make payment, past experience and historical data on actual losses on collection. As at 31 December 2011, allowance for doubtful accounts has been set aside at an average rate of 0.71 percent (2010: 0.67 percent), without taking collateral values into account, which exceeds the historical loss on collection rate of 0.62 percent (average actual loss rate up to 31 December 2011 from hire purchase receivables at the end of the year 2001 to 2008). As at 31 December 2011, there are outstanding hire purchase receivables amounting to approximately Baht 62.14 million (2010: Baht 26.45 million) for which installment payments are more than 3 installments overdue but for which revenue is still being recognised. Hire purchase receivables of the subsidiary and also its financial lease receivables, loan receivables and factoring receivables are treated as commercial loans, whereby the subsidiary records allowance for doubtful accounts based on consideration of the receivablesû status, ability to make payment and the value of collateral.

9.5 As at 31 December 2011 and 2010, the Company had assigned collection rights over hire purchase

receivables with outstanding balances (before net of unearned hire purchase interest income) of Baht 10,080.14 million and Baht 8,117.76 million, respectively, in order to secure credit facilities granted by commercial banks as discussed in Note 20 and Note 22.

9.6 As at 31 December 2011 and 2010, the Company and the subsidiary had hire purchase receivables

(net of unearned hire purchase interest income) amounting to approximately Baht 45.75 million and Baht 45.67 million, respectively, for which revenue recognition has ceased (Separate financial statements: Baht 38.70 million and Baht 33.28 million, respectively).

9.7 The hire purchase agreements of the Company and the subsidiary have terms of 12-60 months and

require settlement in equal installments.


10. Financial lease receivables 10.1 As at 31 December 2011 and 2010, the balance of financial lease receivables are as follows:

(Unit: Thousand Baht) Consolidated financial statements Current portion of Long-term portion of financial lease receivables financial lease receivables Total 2011 2010 2011 2010 2011 2010 Financial lease receivables 349,878 353,596 352,193 318,635 702,071 672,231

Less: Unearned interest income (39,548) (38,876) (27,278) (22,872) (66,826) (61,748)

310,330 314,720 324,915 295,763 635,245 610,483

Less: Allowance for doubtful accounts (12,710) (22,194) (5,581) (6,675) (18,291) (28,869)

Financial lease receivables - net 297,620 292,526 319,334 289,088 616,954 581,614

10.2 As at 31 December 2011 and 2010, the balance of financial lease receivables (net of unearned

interest income) is classified by aging as follows: (Unit: Thousand Baht)

Consolidated financial statements Age of receivables 2011 2010

Not yet due 621,316 580,561 Past due 1 - 3 installments 169 8,195 4 - 6 installments 1,481 1,001 7 - 12 installments 12,279 2,692 Over 12 installments - 18,034 Total 635,245 610,483 Less: Allowance for doubtful accounts (18,291) (28,869) Financial lease receivables - net 616,954 581,614

10.3 As at 31 December 2011 and 2010, a reconciliation between minimum lease payments in the

financial lease contracts together with the present value of future minimum lease payments receivables are as follows:

(Unit: Thousand Baht) Consolidated financial statements 2011 2010 Minimum lease Present value of Minimum lease Present value of payments of future minimum payments of future minimum financial lease lease payments financial lease lease payments contracts receivables contracts receivables Within one year 349,878 310,330 353,596 314,720

After one year but not more than five years 352,193 324,915 318,635 295,763

Total 702,071 635,245 672,231 610,483

Less: Amounts representing finance charges (66,826) (61,748)

Present value of future minimum lease payments

receivables 635,245 610,483

148 A N N U A L R E P O R T 2 0 1 1

10.4 As at 31 December 2011 and 2010, the subsidiary had financial lease receivables (net of unearned interest income) amounting to approximately Baht 10.07 million and Baht 20.66 million, respectively, for which revenue recognition has ceased.

10.5 The subsidiaryûs financial lease agreements have terms of 36 - 60 months and require settlement in equal installments.

11. Factoring receivables 11.1 As at 31 December 2011 and 2010, the balances of factoring receivables are as follows:

(Unit: Thousand Baht) Consolidated financial statements

2011 2010 Factoring receivables 1,099,667 892,744 Less: Factoring payables (233,711) (181,159) Less: Unearned interest income - (6) 865,956 711,579 Less: Allowance for doubtful accounts (34,785) (33,283) Factoring receivables - net 831,171 678,296

11.2 As at 31 December 2011 and 2010, the balances of factoring receivables - net are classified by aging as follows:

(Unit: Thousand Baht) Consolidated financial statements

Age of receivables 2011 2010 Not yet due 785,017 652,341 Past due 1 - 3 months 50,351 27,937 4 - 6 months 4,484 3,907 7 - 12 months 5,600 3,894 Over 12 months 20,504 23,500 Total 865,956 711,579 Less: Allowance for doubtful accounts (34,785) (33,283) Factoring receivables - net 831,171 678,296

11.3 As at 31 December 2011 and 2010, the subsidiary had factoring receivables (after deducting factoring payables and unearned interest income) amounting to approximately Baht 19.33 million and Baht 22.23 million, respectively, for which revenue recognition had ceased.


12. Loan receivables 12.1 As at 31 December 2011 and 2010, the balances of loan receivables are as follows:

(Unit: Thousand Baht) Consolidated financial statements Current portion of Long-term portion loan receivables of loan receivables Total 2011 2010 2011 2010 2011 2010 Loan receivables 44,764 22,235 15,467 - 60,231 22,235

Less: Allowance for doubtful accounts (297) (90) (100) - (397) (90)

Loan receivables - net 44,467 22,145 15,367 - 59,834 22,145

(Unit: Thousand Baht)

Separate financial statements Current portion of Long-term portion loan receivables of loan receivables Total 2011 2010 2011 2010 2011 2010 Loan receivables 44,764 18,013 15,467 - 60,231 18,013

Less: Allowance for doubtful accounts (297) (56) (100) - (397) (56)

Loan receivables - net 44,467 17,957 15,367 - 59,834 17,957

12.2 As at 31 December 2011 and 2010, the balances of loan receivables are classified by aging as follows: (Unit: Thousand Baht)

Consolidated Separate financial statements financial statements Age of receivables 2011 2010 2011 2010 Not yet due 56,159 21,910 56,159 17,688

Past due

1 - 3 installments 3,636 261 3,636 261

4 - 6 installments 404 35 404 35

7 - 12 installments 16 18 16 18

Over 12 installments 16 11 16 11

Total 60,231 22,235 60,231 18,013

Less: Allowance for doubtful accounts (397) (90) (397) (56)

Loan receivables - net 59,834 22,145 59,834 17,957

13. Troubled debt restructuring/relaxation of debt repayment terms Debts restructuring of hire purchase receivables and financial lease receivables under modification of terms of the subsidiary during the year is as follows:

2011 2010 Number of debtors - 5 Loan balances before restructuring (Million Baht) - 7 Losses on troubled debt restructuring (Million Baht) - -

150 A N N U A L R E P O R T 2 0 1 1

As at 31 December 2011 and 2010, debtors under hire purchase receivables and financial lease receivables that have been restructured by means of modification of terms were as follows:

2011 2010 Number of receivables restructured 63 117 Total number of receivables 1,723 1,639 Balance of restructured debts (Million Baht) 42 101

In addition, at the end of 2011, the Company and its subsidiary offered a program to reschedule or reduce installments for a certain period, for some accounts receivable who have a good collection history and had been affected by the floods. As at 31 December 2011, the Company and its subsidiary had relaxed terms for their 769 contracts representing outstanding loans of approximately Baht 508 million (Separate financial statements: 702 contracts, representing approximately Baht 422 million).

14. Assets foreclosed

As at 31 December 2011 and 2010, assets foreclosed are as follows: (Unit: Thousand Baht)

Consolidated Separate financial statements financial statements 2011 2010 2011 2010 Repossessed assets 33,979 38,462 26,335 18,464 Less : Allowance for diminution in value of assets foreclosed (9,842) (16,329) (4,003) (5,563) Assets foreclosed - net 24,137 22,133 22,332 12,901

15. Investment in subsidiary

Details of investments in subsidiary as presented in separate financial statements are as follows: (Unit: Thousand Baht)

Percentage of Dividend received Paid-up Capital shareholding Cost during the year Subsidiary 2011 2010 2011 2010 2011 2010 2011 2010 (Thousand (Thousand (Percent) (Percent) Baht) Baht) Bangkok Grand Pacific Lease Public Company Limited 438,500 438,500 99.99 99.99 446,914 446,914 17,540 6,577

16. Other long-term investment

As at 31 December 2011 and 2010, other long-term investment is as follows: (Unit: Thousand Baht)

Paid-up Percentage of Consolidated Nature of business capital shareholding financial statements (Thousand Baht) (Percent) 2011 2010 Other investment Bangkok Club Company Limited Sales of foods and beverage 450,000 0.14 1,140 1,140 Less: Allowance for diminution in value of investment (829) (856) Other long-term investment - net 311 284


17. Land, building and equipment (Unit: Thousand Baht)

Consolidated financial statements Building Furniture, improvement fixtures and under Land Building equipment Vehicles construction Total Cost

1 January 2010 2,430 6,770 84,879 39,199 2,945 136,223

Additions - - 12,548 4,627 - 17,175

Transferred in (out) - - 2,945 - (2,945) -

Disposals and write off - - (2,362) (4,190) - (6,552)

31 December 2010 2,430 6,770 98,010 39,636 - 146,846

Additions - - 9,099 13,689 - 22,788

Transferred out - - (48) - - (48)


31 December 2011 2,430 6,770 104,208 51,610 - 165,018


Consolidated financial statements Building Furniture, improvement fixtures and under Land Building equipment Vehicles construction Total Accumulated depreciation:

1 January 2010 - 5,100 67,594 24,855 - 97,549

Depreciation for the year - 145 7,701 6,135 - 13,981

Depreciation on disposals and write off - - (2,362) (4,190) - (6,552)

31 December 2010 - 5,245 72,933 26,800 - 104,978



31 December 2011 - 5,355 78,665 31,212 - 115,232

Net book value:

31 December 2010 2,430 1,525 25,077 12,836 - 41,868

31 December 2011 2,430 1,415 25,543 20,398 - 49,786

Depreciation for the year

2010 13,981

2011 14,869

152 A N N U A L R E P O R T 2 0 1 1

(Unit: Thousand Baht) Separate financial statements Building Furniture, improvement fixtures and under Land Building equipment Vehicles construction Total Cost

1 January 2010 2,430 6,770 68,220 29,076 2,945 109,441

Additions - - 12,149 3,111 - 15,260

Transferred in (out) - - 2,945 - (2,945) -


31 December 2010 2,430 6,770 81,309 27,997 - 118,506

Additions - - 8,001 13,213 - 21,214

Transferred out - - (48) - - (48)


31 December 2011 2,430 6,770 86,741 39,944 - 135,885

Accumulated depreciation:

1 January 2010 - 5,100 52,946 17,584 - 75,630



31 December 2010 - 5,245 57,593 17,301 - 80,139



31 December 2011 - 5,355 62,900 20,710 - 88,965

Net book value:

31 December 2010 2,430 1,525 23,716 10,696 - 38,367

31 December 2011 2,430 1,415 23,841 19,234 - 46,920

Depreciation for the year

2010 10,704

2011 12,660

As at 31 December 2011 and 2010, certain equipment and vehicle items of the Company and the subsidiary have been fully depreciated but are still in use. The gross carrying amount (before deducting accumulated depreciation) of those assets amounted to approximately Baht 81.67 million and Baht 70.47 million, respectively (Separate financial statements: Baht 61.03 million and Baht 57.79 million, respectively).


18. Intangible assets The net book value of intangible assets as at 31 December 2011 and 2010 is presented below.

(Unit: Thousand Baht) Consolidated financial statements Separate financial statements Software Software under under Software installation Total Software installation Total As at 31 December 2011:

Cost 32,302 1,849 34,151 24,991 1,849 26,840

Less: Accumulated amortisation (9,777) - (9,777) (7,044) - (7,044)

Net book value 22,525 1,849 24,374 17,947 1,849 19,796

As at 31 December 2010:

Cost 26,121 5,392 31,513 23,207 1,849 25,056

Less: Accumulated amortisation (7,052) - (7,052) (4,689) - (4,689)

Net book value 19,069 5,392 24,461 18,518 1,849 20,367

A reconciliation of the net book value of intangible assets for the years 2011 and 2010 is presented below

(Unit: Thousand Baht) Consolidated Separate financial statements financial statements 2011 2010 2011 2010 Net book value at beginning of year 24,461 23,484 20,367 19,297

Acquisition of computer software 2,638 3,311 1,784 3,311

Amortisation (2,725) (2,334) (2,355) (2,241)

Net book value at end of year 24,374 24,461 19,796 20,367

19. Other non-current assets As at 31 December 2011 and 2010, the Company and the subsidiary had hire purchase receivables, financial lease receivables and factoring receivables totaling Baht 173.76 million and Baht 170.17 million, respectively, (Separate financial statements: hire purchase receivables of Baht 54.60 million and Baht 63.30 million, respectively) for which courts have issued judgements in favor of the Company and the subsidiary, and which the Company and the subsidiary are in the process of pursuing collection. The balance of such receivables is recorded in other non-current assets in the balance sheets and full allowance has been provided for the balance of the Company without taking collateral values into account and full allowance has been provided for the balance of the subsidiary after consideration to collateral values. In addition, these also included a receivable from financial guarantee whereby the subsidiary paid debt on behalf of a receivable amounting to Baht 22.49 million. The subsidiary has recorded full allowance for doubtful debt for such balance.

154 A N N U A L R E P O R T 2 0 1 1

20. Bank overdrafts and short-term loans from banks As at 31 December 2011 and 2010, bank overdrafts and short-term loans from banks are presented as follows:

(Unit: Thousand Baht) Consolidated Separate financial statements financial statements 2011 2010 2011 2010 Bank overdrafts 18,910 46,300 18,910 46,300

Short-term loans from banks 2,880,000 2,703,499 2,560,000 1,860,000

Total 2,898,910 2,749,799 2,578,910 1,906,300

Short-term loans from banks are denominated in Baht and carry interest at the floating and fixed rates with reference to the market rates. As at 31 December 2011 and 2010, loans of the Company and the subsidiary amounting to Baht 520 million and Baht 570 million, respectively (Separate financial statements: Baht 520 million and Baht 540 million, respectively) are clean loans, while other loans are secured by the assignment of collection rights over hire purchase receivables of the Company, as discussed in Note 9.5.

21. Other short-term loans As at 31 December 2011 and 2010, other short-term loans of the Company and the subsidiary were clean loans and consisted of the following.

(Unit: Thousand Baht) Consolidated Separate financial statements financial statements 2011 2010 2011 2010 Bills of exchange - at face value 4,267,800 2,962,900 4,157,800 2,952,900

Less: Prepaid interest expenses (37,454) (14,192) (34,364) (14,179)

Bills of exchange - net 4,230,346 2,948,708 4,123,436 2,938,721

Promissory notes 40,000 10,000 40,000 10,000

Total 4,270,346 2,958,708 4,163,436 2,948,721

22. Long-term loans from banks As at 31 December 2011, long-term loans of the Company consisted of long-term loans obtained from local banks and denominated in Baht which are detailed below.

(Unit: Thousand Baht) Consolidated/Separate financial statements Loans outstanding balance Due for repayment Fixed interest rate Floating interest rate Total Within 2012 - 1,300,000 1,300,000 Within 2013 4,300,000 - 4,300,000 Total 4,300,000 1,300,000 5,600,000


These long-term loans are secured by the assignment of collection rights over hire purchase receivables of the Company, as discussed in Note 9.5. The loan agreements contain certain covenants and restrictions, pertaining to matters such as maintenance of the shareholding of the major shareholders and a certain debts to equity ratio, and restrictions on dividend payment if there are any breaches of loans repayment schedule or the loan covenants.

23. Unsecured debentures

(Unit: Thousand Baht) Consolidated/Separate financial statements Debentures, at face value 700,000 Less: Unamortised costs relating to the issuance of the debentures (686) Debentures, net 699,314

On 14 May 2010 and 23 September 2010, the Company issued Baht 500 million and Baht 200 million, respectively, of 3-year debentures with a fixed coupon rate payable quarterly. These included 700,000 units of debentures with a face value of Baht 1,000 per unit. The debentures are unsecured, registered and senior debentures, and in accordance with the rights and responsibilities of the debenture issuer, the Company must comply with certain covenants and restrictions including the maintenance of a debt to equity ratio for the consolidated financial statements of no more than 10:1 at the end of each fiscal year throughout the term of the debentures, and restrictions on dividend payment.

24. Provision for long-term employee benefits

Provision for long-term employee benefits as at 31 December 2011, which is compensations on employeesû retirement, was as follows:

(Unit: Thousand Baht) Consolidated Separate financial statements financial statements Balance at beginning of year - according to a previous accounting policy 1,285 1,285 Cumulative effect of change in accounting policy for employee benefits adjusted against beginning balance of retained earnings (Note 5) 35,525 30,465 Current service cost 4,313 3,253 Interest cost 2,055 1,807 Actuarial loss 801 761 Benefits paid during the year (1,285) (1,285) Balance at end of year 42,694 36,286

Long-term employee benefit expenses included in the consolidated profit or loss for the year ended 31 December 2011 amounted to Baht 7.17million (Separate financial statements: Baht 5.82 million). Principal actuarial assumptions at the valuation date were as follows:

Consolidated Separate financial statements financial statements 2011 2011 (% per annum) (% per annum) Discount rate 3.90 3.90 Future salary increase rate 6.00 6.00 Staff turnover rate (depending on age) 2.00 - 16.00 2.00 - 16.00

156 A N N U A L R E P O R T 2 0 1 1

25. Related party transactions During the years, the Company and the subsidiary had significant business transactions with related parties. Such transactions, which are summarised below, arose in the ordinary course of business and were concluded on commercial terms and bases agreed upon between the Company and those related parties.

(Unit: Million Baht) Consolidated Separate financial statements financial statements Transfer pricing policy 2011 2010 2011 2010 Subsidiary Management fee income - - 5.29 10.58 Cost plus margin of 10 percent Guarantee fee income - - 1.11 1.00 0.50 percent per annum Interest income - - 19.87 - Close to interest rates of other loans with similar conditions Related persons and companies Interest income Normal rate charged to customers CITC Enterprise (Thai) Limited 0.45 0.24 - - Fee income Normal rate charged to customers CITC Enterprise (Thai) Limited 0.03 0.01 - - Rental and service fee Close to rental rates of other buildings in the same area Sathorn City Tower Property Fund 18.94 15.30 15.56 11.96 Bangkok Garden Property Fund - 0.60 - 0.60 18.94 15.90 15.56 12.56 Insurance premium Close to general insurance premium Bangkok Insurance Public Company Limited 1.14 1.11 0.89 0.81 Interest expenses Close to interest rates of other loans with similar conditions Bangkok Bank Public Company Limited 114.37 122.75 71.17 78.83 Bangkok Insurance Public Company Limited 2.43 1.76 1.38 0.88 116.80 124.51 72.55 79.71 Fee of Standby Letter of Credit Close to guarantee fee for other and guarantee fee loans with similar conditions Bangkok Bank Public Company Limited 0.71 0.89 - - Guarantee fee Financial One Corporation - 0.95 - 0.73 1 percent per annum Major shareholder Internal audit fee 1.00 - 0.50 - Close to actual cost


The relationships between the Company and its related parties are summarised below: Name of related parties Relationship with the Company Chailease Holding Company Limited Ultimate parent company Financial One Corporation Former ultimate parent company Chailease Finance Company Limited The Companyûs major shareholder Bangkok Grand Pacific Lease Public Company Limited Subsidiary Bangkok Bank Public Company Limited The Companyûs shareholder Bangkok Insurance Public Company Limited The Companyûs shareholder Sathorn City Tower Property Fund Related party of the Companyûs shareholder Bangkok Garden Property Fund Related party of the Companyûs shareholder CITC Enterprise (Thai) Limited Common director with the Companyûs major shareholders

As at 31 December 2011 and 2010, the Company and the subsidiary had outstanding balances of significant assets and liabilities with the related parties as follows:

(Unit: Thousand Baht) Consolidated Separate financial statements financial statements 2011 2010 2011 2010 Cash and cash equivalents

Bangkok Bank Public Company Limited 423,100 119,936 392,219 20,395

Factoring receivables

CITC Enterprise (Thai) Limited 15,265 - - -

Accrued interest income

CITC Enterprise (Thai) Limited 10 - - -

Prepaid fee expenses

Bangkok Bank Public Company Limited - 254 - -

Prepaid insurance premium

Bangkok Insurance Public Company Limited 315 229 117 35

Short-term loans to a related party

Bangkok Grand Pacific Lease Public Company Limited - - 845,000 -

Bank overdrafts and short-term loans from banks

Bangkok Bank Public Company Limited 18,910 76,300 18,910 46,300

Short-term loans from a related party

Bangkok Insurance Public Company Limited - 60,000 - -

Unsecured debentures

Bangkok Insurance Public Company Limited 30,000 30,000 30,000 30,000

Amount due to related parties

Bangkok Bank Public Company Limited 302 340 191 191

Bangkok Insurance Public Company Limited 182 182 182 182

Total 484 522 373 373

As at 31 December 2011 and 2010 bank overdrafts and short-term loans from related parties are unsecured, denominated in Baht and carry interest at the fixed rates with reference to the market rates.

158 A N N U A L R E P O R T 2 0 1 1

As at 31 December 2011, long-term loans from a related party are loans obtained from Bangkok Bank Public Company Limited. The loans are unsecured and denominated in Baht which are summarised below.

(Unit: Thousand Baht) Consolidated financial statements Loans outstanding balance Due for repayment Fixed interest rate Floating interest rate Total Within 2012 - 300,000 300,000 Within 2013 2,000,000 - 2,000,000 Total 2,000,000 300,000 2,300,000


Separate financial statements Loans outstanding balance Due for repayment Fixed interest rate Floating interest rate Total Within 2013 1,500,000 - 1,500,000

During the year, short-term loans from related parties have movement as follows: (Unit: Thousand Baht) Consolidated Separate financial statements financial statements Short-term loans from a related party Balance as at 31 December 2010 60,000 - Decrease during the year (60,000) - Balance as at 31 December 2011 - - Short-term loans from a related bank Balance as at 31 December 2010 30,000 - Increase during the year 1,480,000 670,000 Decrease during the year (1,510,000) (670,000) Balance as at 31 December 2011 - - No movement of long-term loans from related parties during the year. During the year, short-term loans to a related party have movement as follows: (Unit: Thousand Baht) Consolidated Separate financial statements financial statements Short-term loans to a related party Balance as at 31 December 2010 - 1,165,000 Decrease during the year - (320,000) Balance as at 31 December 2011 - 845,000


Directors and managementûs benefits During the year ended 31 December 2011 and 2010, the Company and its subsidiary had employee benefit expenses of their directors and management as below.

(Unit: Thousand Baht) Consolidated Separate financial statements financial statements 2011 2010 2011 2010 Short-term employee benefits 54,338 45,223 45,010 37,399 Post employment benefits 1,394 - 1,049 - Total 55,732 45,233 46,059 37,399

Commitments and guarantees to related parties

As at 31 December 2011 and 2010, the Company had provided guarantees of short-term loans to the subsidiary totaling Baht 250 million and Baht 200 million, respectively.

26. Cash and cash equivalents

As at 31 December 2011 and 2010, cash and cash equivalents in cash flow statements consisted of: (Unit: Thousand Baht)

Consolidated Separate financial statements financial statements 2011 2010 2011 2010 Cash and deposits at banks 439,989 128,064 407,854 28,274 Less: Bank overdrafts (18,910) (46,300) (18,910) (46,300) Cash and cash equivalents 421,079 81,764 388,944 (18,026)

27. Statutory reserve

Pursuant to section 116 of the Public Limited Companies Act B.E. 2535, the Company and its subsidiary are required to set aside a statutory reserve at least 5 percent of their net profit after deducting accumulated deficit brought forward (if any), until the reserve reaches 10 percent of the registered capital. The statutory reserve is not available for dividend distribution.

28. Expenses by nature

Significant expenses by nature are as follow: (Unit: Thousand Baht)

Consolidated Separate financial statements financial statements 2011 2010 2011 2010 Salary, wages and other employee benefits 333,524 280,319 268,718 226,374 Depreciation 14,869 13,981 12,660 10,704 Amortisation expenses 2,725 2,334 2,355 2,241 Rental expenses from operating lease agreements 26,856 23,811 22,531 19,373 29. Basic earnings per share

Basic earnings per share are calculated by dividing profit for the year attributable to equity holders of the Company (excluding other comprehensive income) by the weighted average number of ordinary shares in issue during the year.

160 A N N U A L R E P O R T 2 0 1 1

30. Segment information The majority of the operations of the Company and the subsidiary involve mainly the hire purchase, financial lease, operating lease and factoring businesses, and are carried on in a single geographic area, Thailand. As a result, all revenues, operating profits and assets as reflected in these financial statements pertain to the aforementioned industry and geographic area.

31. Provident fund

The Company, the subsidiary and employees have jointly established a provident fund in accordance with the Provident Fund Act B.E. 2530. Both employees, the Company and the subsidiary contributed to the fund monthly at the rate of 5 percent of basic salary. The fund, which is managed by Finansa Assets Management Limited, will be paid to employees upon termination in accordance with the fund rules. During the years 2011 and 2010, the Company and the subsidiary contributed Baht 6.98 million and Baht 5.90 million, respectively (Separate financial statements: Baht 5.77 million and Baht 4.78 million, respectively) to the fund.

32. Contingent liabilities

As at 31 December 2011, the subsidiary has obligations as the guarantor of factoring receivables of companies amounting to JPY 132.14 million or Baht 54.49 million (2010: JPY 5 million and USD 0.23 million, or Baht 8.75 million).

33. Dividend paid

Dividends declared in 2011 and 2010 consist of the followings: (Unit: Million Baht)

Total Dividend Dividends Approved by dividends per share Final dividends for 2010 Annual General Meeting of the shareholders on 26 April 2011 202.40 0.88 Final dividends for 2009 Annual General Meeting of the shareholders on 9 April 2010 133.40 0.58

34. Financial instruments

34.1 Financial risk management The Company and the subsidiaryûs financial instruments, as defined under Thai Accounting Standard No. 107 çFinancial Instruments: Disclosure and Presentationsé, principally comprise cash and cash equivalents, account and loan receivables, investments, short-term and long-term loans and debentures. The financial risks associated with these financial instruments and how they are managed is described below. Credit risk The Company and the subsidiary are exposed to credit risk primarily with respect to account and loan receivables. The Company and the subsidiary manage the risk by adopting appropriate credit control policies and procedures. In addition, they do not have high concentrations of credit risk since they have a large customer base diversified across many industries. The maximum exposure to credit risk is limited to the carrying amounts of receivables as stated in the statement of financial position. Interest rate risk The Company and the subsidiaryûs exposure to interest rate risk relates primarily to their cash at banks, account and loan receivables, bank overdrafts and loans.


Significant financial assets and liabilities as at 31 December 2011 classified by type of interest rates are summarised in the table below, with those financial assets and liabilities that carry fixed interest rates further classified based on the maturity date, or the repricing date if this occurs before the maturity date.

(Unit: Million Baht) Consolidated financial statements Fixed interest rates Within More than Floating Non-interest 1 year 1-5 years 5 years interest rate bearing Total Financial assets

- Cash and cash equivalents - - - 406.34 33.65 439.99

- Hire purchase receivables 5,800.76 10,218.37 105.12 - - 16,124.25

- Financial lease receivables 310.33 324.92 - - - 635.25

- Factoring receivables - - - 865.96 - 865.96

- Loan receivables 44.76 15.47 - - - 60.23

6,155.85 10,558.76 105.12 1,272.30 33.65 18,125.68

Financial liabilities

- Bank overdrafts and short-term loans

from banks 2,880.00 - - 18.91 - 2,898.91

- Other short-term loans 4,270.35 - - - - 4,270.35

- Long-term loans from a related party - 2,000.00 - 300.00 - 2,300.00

- Long-term loans from banks - 4,300.00 - 1,300.00 - 5,600.00

- Unsecured debentures - 700.00 - - - 700.00

7,150.35 7,000.00 - 1,618.91 - 15,769.26

(Unit: Million Baht) Separate financial statements Fixed interest rates Within More than Floating Non-interest 1 year 1-5 years 5 years interest rate bearing Total Financial assets

- Cash and cash equivalents - - - 380.07 27.78 407.85

- Hire purchase receivables 5,217.66 9,643.79 105.12 - - 14,966.57

- Loan receivables 44.76 15.47 - - - 60.23

- Short-term loans to a related party 845.00 - - - - 845.00

6,107.42 9,659.26 105.12 380.07 27.78 16,279.65


- Bank overdrafts and short-term loans

from banks 2,560.00 - - 18.91 - 2,578.91

- Other short-term loans 4,163.44 - - - - 4,163.44

- Long-term loans from a related party - 1,500.00 - - - 1,500.00

- Long-term loans from banks - 4,300.00 - 1,300.00 - 5,600.00

- Unsecured debentures - 700.00 - - - 700.00

6,723.44 6,500.00 - 1,318.91 - 14,542.35

162 A N N U A L R E P O R T 2 0 1 1

Liquidity risk Liquidity risk arises in the general funding of the Company and the subsidiaryûs activities and in the management of positions. It includes both the risk of being unable to fund assets at appropriate maturities and rates and the risk of being unable to liquidate an asset at a reasonable price and in an appropriate time frame. The Company and the subsidiary have access to a diverse funding base, with funds being raised using a broad range of instruments including capital and loans. This enhances funding flexibility, limits dependence on any one source of funds and generally lowers the costs of funds. The Company and the subsidiary strive to maintain a balance between continuity of funding and flexibility through the use of liabilities with a range of maturities. The Company and the subsidiary continually assess liquidity risk by identifying and monitoring changes in funding required to meet business goals and targets set in terms of the Company and the subsidiaryûs overall strategy. In addition, the Company and the subsidiary held a portfolio of liquid assets as part of their liquidity risk management strategy.

Foreign currency risk The subsidiaryûs exposure to foreign currency risk relates primarily to its financial guarantees as stated in Note 32.

34.2 Fair values

The methods and assumptions used by the Company and its subsidiary in estimating the fair value of financial instruments are as follows: a) For financial assets and liabilities which have short-term maturity, including cash and cash

equivalents, factoring receivables and loan receivables, accounts payable and short-term loans, their carrying amounts in the statements of financial position approximate their fair value.

b) For equity securities, their fair value is generally derived from quoted market prices, or based on generally accepted pricing models when no market price is available.

c) For fixed rate hire purchase and financial lease receivables and fixed rate debentures and long-term loans, fair value is estimated by discounting expected future cash flows by the current market interest rate.

d) For long-term loans carrying interest approximate to the market rate, their carrying amounts in the statements of financial position approximate their fair value.

The fair values of the Company and its subsidiaryûs financial instruments are estimated to approximate the amounts presented in the statements of financial position, except for the following;


(Unit: Million Baht) Consolidated Separate financial statements financial statements Net book Net book value Fair value value Fair value Financial assets

Hire purchase and financial lease receivables 16,604.92 16,641.55 14,860.86 14,897.18


Borrowings - fixed interest 13,450.34 13,369.61 12,523.43 12,452.60

Unsecured debentures 699.31 686.07 699.31 686.07

34.3 Capital management

The primary objective of the Companyûs capital management is to ensure that it has an appropriate financial structure and preserves the ability to continue its business as a going concern. The Company manages its capital position with reference to its debt-to-equity ratio in order to comply with a condition in a long-term loan agreement with a financial institution, which requires the Company to maintain a debt-to-equity ratio of not more than 10:1. As at 31 December 2011, the Groupûs debt-to-equity ratio was 7.90:1.00 (2010: 6.88:1.00) and the Companyûs was 7.55:1.00 (2010: 6.16:1.00). No changes were made in the objectives, policies or processes during the years end 31 December 2011 and 2010.

35. Reclassification To comply with the Notification of the Department of Business Development relating to the financial statement presentation as described in Note 2 and as the result of the adoption of revised and new accounting standards as described in Note 3, certain amounts in the financial statements for the year ended 31 December 2010 have been reclassified to conform to the current yearûs classification, without any effect to the previously reported profit or shareholderûs equity.

36. Approval of financial statements These financial statements were authorised for issue by the Companyûs Board of Directors on 15 February 2012.

CONTENT

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Message from the Board of DirectorsAudit Committeeûs ReportReport of the Board of Directors Responsibilities for Financial StatementsGeneral InformationFinancial HighlightNature of BusinessBusiness CompetitionRisk FactorsShareholding and Management StructureConnected TransactionsManagement Discussion and AnalysisReport of Independent AuditorFinancial StatementsNotes of Consolidated Financial Statements

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