Asia Sermkij Leasing : Annual Report 2008 by asiasermkij shareinvestor

√“¬ß“πª√–®”ªï 2551

2008 Annual Report ASIA SERMKIJ LEASING PLC.

“√∫—≠ “ åπ®“°§≥–°√√¡°“√ √“¬ß“π§≥–°√√¡°“√μ√«® Õ∫ √“¬ß“π§«“¡√—∫º‘¥™Õ∫¢Õß§≥–°√√¡°“√μàÕ√“¬ß“π∑“ß°“√‡ß‘π ¢âÕ¡Ÿ≈∑—Ë«‰ª ¢âÕ¡Ÿ≈∑“ß°“√‡ß‘π‚¥¬ √ÿª ≈—°…≥–°“√ª√–°Õ∫∏ÿ√°‘® ¿“«–°“√·¢àß¢—π∑“ß∏ÿ√°‘® ªí®®—¬§«“¡‡ ’Ë¬ß ‚§√ß √â“ß°“√®—¥°“√·≈–°“√∂◊ÕÀÿâπ √“¬°“√√–À«à“ß°—π §”Õ∏‘∫“¬·≈–°“√«‘‡§√“–Àå∞“π–∑“ß°“√‡ß‘π·≈–º≈°“√¥”‡π‘πß“π ß∫°“√‡ß‘π

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CONTENT Message from the Board of Directors Audit Committeeûs Report Report of the Board of Directors Responsibilities for Financial Statements General Information Financial Highlights Nature of Business Business Competition Risk Factors Shareholding and Management Structure Connected Transactions Management Discussion and Analysis Financial Statements

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“ åπ®“°§≥–°√√¡°“√ §≥–°√√¡°“√∫√‘…—∑¡’§«“¡¬‘π¥’∑’Ë®–‡ πÕ√“¬ß“πª√–®”ªï ·≈–ß∫°“√‡ß‘π∑’Ëμ√«® Õ∫·≈â«¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ”À√—∫ √Õ∫ªï∫—≠™’ ‘Èπ ÿ¥ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ¿“æ‡»√…∞°‘®·≈–¿“«–Õÿμ “À°√√¡ªï 2551 „πªï 2551 ¿“æ‡»√…∞°‘®¢Õßª√–‡∑»‰∑¬‚¥¬√«¡™–≈Õμ—«≈¥≈ß®“°ªï°àÕπ ‚¥¬º≈‘μ¿—≥±å¡«≈√«¡„πª√–‡∑» (GDP) ¡’ Õ—μ√“°“√¢¬“¬μ—«√âÕ¬≈– 2.6 ‡ª√’¬∫‡∑’¬∫°—∫ªï∑’Ë·≈â«´÷Ëß¡’Õ—μ√“°“√¢¬“¬μ—«√âÕ¬≈– 4.9 ®“°º≈°√–∑∫¢Õßªí®®—¬¿“¬πÕ°ª√–‡∑» „π™à«ß§√÷Ëßªï·√°‡»√…∞°‘®¢Õß‰∑¬‰¥â√—∫º≈°√–∑∫®“°√“§“πÈ”¡—π·≈–Õ“À“√∑’Ë Ÿß¢÷Èπ∑”„ÀâÕ—μ√“‡ß‘π‡øÑÕÕ¬Ÿà„πÕ—μ√“∑’Ë Ÿß ·≈–μàÕ¡“„π ™à«ß§√÷ËßªïÀ≈—ß ‡»√…∞°‘®‰∑¬‰¥â√—∫º≈°√–∑∫®“°°“√™–≈Õμ—«¢Õß‡»√…∞°‘®‚≈° ´÷Ëß‡ªìπº≈¡“®“° ‘π‡™◊ËÕÕ —ßÀ“√‘¡∑√—æ¬å Sub-prime „π À√—∞Õ‡¡√‘°“ ·≈–®“°º≈°√–∑∫¢Õßªí®®—¬¿“¬„πª√–‡∑» §«“¡‰¡à ß∫∑“ß°“√‡¡◊Õß‰¥â àßº≈°√–∑∫‡™‘ß≈∫μàÕ‡»√…∞°‘®‰∑¬ ´÷Ëßº≈ °√–∑∫¢Õßªí®®—¬¿“¬πÕ°ª√–‡∑» ·≈–¿“¬„πª√–‡∑»¥—ß°≈à“« àßº≈„Àâ§«“¡‡™◊ËÕ¡—Ëπ¢ÕßºŸâ∫√‘‚¿§·≈–π—°≈ß∑ÿπ¿“¬„πª√–‡∑»≈¥≈ß Õ¬à“ßμàÕ‡π◊ËÕß ∑”„Àâ°“√Õÿª ‚¿§∫√‘‚¿§¿“§‡Õ°™π (Private Consumption) ·≈–°“√≈ß∑ÿπ¿“§‡Õ°™π (Private Investment) ‡μ‘∫‚μ ‡∑à“°—∫√âÕ¬≈– 2.5 ·≈– √âÕ¬≈– 3.2 „πªï 2551 μ“¡≈”¥—∫ ·≈–‡∑à“°—∫√âÕ¬≈– 1.5 ·≈–√âÕ¬≈– (0.5) „πªï 2550 „π¥â“πÕÿª ß§å μà“ßª√–‡∑» ®“°°“√∑’Ë‡»√…∞°‘®¢Õßª√–‡∑»§Ÿà§â“≈¥≈ß ‰¥â àßº≈„Àâ°“√ àßÕÕ°·≈–°“√π”‡¢â“¡’Õ—μ√“°“√‡μ‘∫‚μ‡∑à“°—∫√âÕ¬≈– 16.8 ·≈–√âÕ¬≈– 26.4 „πªï 2551 μ“¡≈”¥—∫ ‡ª√’¬∫‡∑’¬∫°—∫√âÕ¬≈– 17.2 ·≈–√âÕ¬≈– 9.0 „πªï 2550 μ“¡≈”¥—∫ ”À√—∫Õ—μ√“¥Õ°‡∫’È¬‡§≈◊ËÕπ‰À«‰ª„π∑‘»∑“ß∑’Ë∑√ßμ—«„π™à«ß§√÷Ëß·√°¢Õßªï 2551 ·≈–ª√—∫≈¥≈ß„π™à«ß§√÷ËßÀ≈—ß¢Õßªïμ“¡ Õ—μ√“¥Õ°‡∫’È¬π‚¬∫“¬ ∑—Èßπ’È Õ—μ√“¥Õ°‡∫’È¬μ≈“¥´◊ÈÕ§◊πæ—π∏∫—μ√√–¬– 1 «—π ‡©≈’Ë¬∑—ÈßªïÕ¬Ÿà∑’Ë√âÕ¬≈– 3.38 μàÕªï´÷ËßμË”°«à“§à“‡©≈’Ë¬¢Õßªï ∑’Ë·≈â«∑’ËÕ¬Ÿà∑’ËÕ—μ√“√âÕ¬≈– 3.77 μàÕªï ‡æ◊ËÕ™à«¬„π°“√°√–μÿâπ‡»√…∞°‘®´÷ËßμâÕß‡º™‘≠°—∫¿“«–‡ß‘π‡øÑÕ∑’Ë Ÿß¢÷Èπ‡ªìπ√âÕ¬≈– 5.5 „πªï 2551 ”À√—∫¬Õ¥¢“¬√∂¬πμå „À¡à „πªï 2551 ≈¥≈ß®“°ªï 2550 √âÕ¬≈– 2.5 ®“°¬Õ¥¢“¬√«¡ 631,250 §—π„πªï 2550 ‡ªìπ¬Õ¥¢“¬ √«¡∑—Èßªï®”π«π 615,270 §—π„πªï 2551 ‚¥¬μ≈“¥√∂ªî°Õ—æ≈¥≈ß√âÕ¬≈– 17.6 ·≈–√∂¬πμå‡æ◊ËÕ°“√æ“≥‘™¬å≈¥≈ß√âÕ¬≈– 1.9 ¢≥–∑’Ë ¬Õ¥¢“¬√∂¬πμåπ—Ëß à«π∫ÿ§§≈‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 33.3 πÕ°®“°π’È Õ—μ√“°“√„™â°”≈—ß°“√º≈‘μ¢ÕßÕÿμ “À°√√¡ (Industrial Capacity Utilization Rate) ‰¥â≈¥≈ß®“°Õ—μ√“√âÕ¬≈– 72.6 „πªï 2550 ‡ªìπÕ—μ√“√âÕ¬≈– 67.6 „πªï 2551 ´÷Ëß –∑âÕπ¬Õ¥°“√ àßÕÕ°∑’Ë≈¥≈ß Õ¬à“ßμàÕ‡π◊ËÕß º≈ª√–°Õ∫°“√ªï 2551 ”À√—∫º≈ª√–°Õ∫°“√¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ¡’ ‘π∑√—æ¬å√«¡®”π«π 11,938 ≈â“π∫“∑ ‡ª√’¬∫‡∑’¬∫°—∫ªï 2550 ®”π«π 10,866 ≈â“π∫“∑§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 9.9 Õ—π‡ªìπº≈¡“®“°°“√‡μ‘∫‚μ¢ÕßæÕ√åμ ‘π‡™◊ËÕ ®“°°“√‡μ‘∫‚μ¢Õß∏ÿ√°‘® °”‰√ ÿ∑∏‘√«¡®“°°“√¥”‡π‘πß“π®”π«π 179 ≈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—«®“° 1,662 ≈â“π∫“∑„πªï 2550 ‡ªìπ 1,726 ≈â“π∫“∑„πªï 2551 À√◊Õ§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 3.9 ´÷Ëß‡ªìπº≈¡“®“°°”‰√ ÿ∑∏‘∑’Ë‡æ‘Ë¡¢÷Èπ ∑“ß¥â“πÀπ’È ‘π√«¡‰¥â‡æ‘Ë¡¢÷Èπ®“° 9,203 ≈â“π∫“∑„πªï 2550 ‡ªìπ 10,211 ≈â“π∫“∑„πªï 2551 À√◊Õ§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 11.0 √“¬‰¥â√«¡‡æ‘Ë¡¢÷Èπ®“° 1,051 ≈â“π∫“∑„πªï 2550 ‡ªìπ 1,147 ≈â“π∫“∑„πªï 2551 À√◊Õ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 9.1 §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ ”À√—∫ªï 2551 ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 14.8 ®“°®”π«π 311 ≈â“π∫“∑„πªï 2550 ‡ªìπ®”π«π 357 ≈â“π∫“∑ À√◊Õ§‘¥‡ªìπ√âÕ¬≈– 29.6 ¢Õß√“¬‰¥â√«¡„πªï 2550 ‡∑’¬∫°—∫ √âÕ¬≈– 31.1 ¢Õß√“¬‰¥â√«¡„πªï 2551 §à“„™â®à“¬∑“ß°“√‡ß‘π ”À√—∫ªï 2551 ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 2.1 ®“°®”π«π 440 ≈â“π∫“∑„πªï 2550 ‡ªìπ®”π«π 449 ≈â“π∫“∑„πªï 2551 À√◊Õ§‘¥‡ªìπ√âÕ¬≈– 41.8 ¢Õß√“¬‰¥â√«¡ „πªï 2550 ‡∑’¬∫°—∫√âÕ¬≈– 39.1 ¢Õß√“¬‰¥â√«¡„πªï 2551 °”‰√ ÿ∑∏‘√«¡‡æ‘Ë¡¢÷Èπ®“° 166 ≈â“π∫“∑„πªï 2550 ‡ªìπ 179 ≈â“π∫“∑„πªï 2551 À√◊Õ§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 7.5 ”À√—∫Õ—μ√“°”‰√ ÿ∑∏‘ (Net Profit Margin) ·≈– Õ—μ√“º≈μÕ∫·∑πºŸâ∂◊ÕÀÿâπ (Return on Equity) „πªï 2551 Õ¬Ÿà∑’Ë√âÕ¬≈– 15.6 ·≈–√âÕ¬≈– 10.6 μ“¡≈”¥—∫ ‡∑’¬∫°—∫√âÕ¬≈– 15.8 ·≈–√âÕ¬≈– 10.3 „πªï 2550 μ“¡≈”¥—∫

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Homepage ‡≈¢∑–‡∫’¬π∫√‘…—∑ ª√–‡¿∑∏ÿ√°‘® ®”π«π·≈–™π‘¥¢ÕßÀÿâπ∑’Ë ÕÕ°·≈–®”Àπà“¬‰¥â·≈â«∑—ÈßÀ¡¥ ¡Ÿ≈§à“∑’μË √“‰«â : 5 ∫“∑μàÕÀÿâπ ¢âÕ¡Ÿ≈Õ—π¥—∫‡§√¥‘μ : BBB+ ·π«‚πâ¡Õ—π¥—∫‡§√¥‘μ §ß∑’Ë (®—¥Õ—π¥—∫‡§√¥‘μ‚¥¬ ∫√‘…—∑ ∑√‘ ‡√∑μ‘Èß ®”°—¥ ‡¡◊ËÕ 7 μÿ≈“§¡ 2551) ¢âÕ¡Ÿ≈°“√≈ß∑ÿπ¢Õß∫√‘…—∑ ™◊ÕË ∫√‘…∑— : ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) ∂“π∑’Ëμ—Èß : ™—Èπ∑’Ë 10/1 Õ“§“√ “∏√´‘μ’È∑“«‡«Õ√å 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«“§¡ 2551) ÕÕ°·≈–®”Àπà“¬‰¥â·≈â«∑—ÈßÀ¡¥ ¡Ÿ≈§à“∑’μË √“‰«â : 10 ∫“∑μàÕÀÿâπ ¢âÕ¡Ÿ≈Õâ“ßÕ‘ß π“¬∑–‡∫’¬πÀ≈—°∑√—æ¬å : ∫√‘…—∑ »Ÿπ¬å√—∫Ω“°À≈—°∑√—æ¬å (ª√–‡∑»‰∑¬) ®”°—¥ ∂“π∑’Ëμ—Èß : ™—πÈ 4, 7 ‡≈¢∑’Ë 62 Õ“§“√μ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ ∂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“§“√‡≈§√—™¥“ 193/136-137 ∂ππ√—™¥“¿‘‡…° ‡¢μ§≈Õß‡μ¬ °√ÿß‡∑æœ 10501 ‚∑√»—æ∑å : 0-2264-0777 ‚∑√ “√ : 0-2264-0789-90

6 √“¬ß“πª√–®”ªï 2551

¢âÕ¡Ÿ≈∑“ß°“√‡ß‘π‚¥¬ √ÿª ‘π∑√—æ¬å ‘π∑√—æ¬å√«¡ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘ 2/ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π - ÿ∑∏‘ ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ Àπ’È ‘π·≈– à«π¢ÕßºŸâ∂◊ÕÀÿâπ Àπ’È ‘π√«¡ à«π¢ÕßºŸâ∂◊ÕÀÿâπ º≈°“√¥”‡π‘πß“π √“¬‰¥â√«¡ √“¬‰¥â®“°¥Õ°º≈‡™à“´◊ÈÕ 3/ √“¬‰¥âμ“¡ —≠≠“≈’ ´‘Ëß √“¬‰¥â®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ Àπ’È Ÿ≠·≈–Àπ’È ß —¬®– Ÿ≠ §à“„™â®à“¬∑“ß°“√‡ß‘π °”‰√ ÿ∑∏‘À≈—ß¿“…’ Õ—μ√“ à«π· ¥ß§«“¡ “¡“√∂„π°“√À“°”‰√ Õ—μ√“¥Õ°‡∫’È¬√—∫ 1/ 2/ 3/ Õ—μ√“¥Õ°‡∫’È¬®à“¬ 1/ à«πμà“ßÕ—μ√“¥Õ°‡∫’È¬ Õ—μ√“°”‰√ ÿ∑∏‘ Õ—μ√“º≈μÕ∫·∑πºŸâ∂◊ÕÀÿâπ °”‰√ ÿ∑∏‘μÕà Àÿπâ ¡Ÿ≈§à“∑“ß∫—≠™’μÕà Àÿπâ Õ—μ√“°“√®à“¬‡ß‘πªíπº≈ Õ—μ√“‡ß‘πªíπº≈μàÕÀÿâπ Õ—μ√“ à«π· ¥ßª√– ‘∑∏‘¿“æ„π°“√¥”‡π‘πß“π Õ—μ√“º≈μÕ∫·∑π®“° ‘π∑√—æ¬å Õ—μ√“°“√À¡ÿπ¢Õß ‘π∑√—æ¬å Õ—μ√“ à«π«‘‡§√“–Àåπ‚¬∫“¬∑“ß°“√‡ß‘π Õ—μ√“ à«πÀπ’È ‘πμàÕ à«π¢ÕßºŸâ∂◊ÕÀÿâπ Õ—μ√“ à«π‡ß‘π„Àâ°ŸâμàÕ‡ß‘π°Ÿâ Õ—μ√“ à«π‡ß‘π„Àâ ‘π‡™◊ËÕ∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥âμàÕ ‘π‡™◊ËÕ√«¡ ∑’Ë¡“ À¡“¬‡Àμÿ

: 1/ 2/

2551

2550

2549

11,937.70 10,119.60 722.95 790.90

10,865.60 9,108.27 676.26 773.61

9,443.84 8,075.62 567.77 464.18

10,211.42 1,726.28

9,203.24 1,662.36

7,867.36 1,576.48

1,147.27 842.57 71.53 68.51 357.09 70.17 448.58 178.92

1,051.42 779.63 65.53 52.69 311.08 85.05 439.57 166.38

896.80 655.35 58.88 36.51 303.86 45.33 391.22 118.57

(%) (%) (%) (%) (%) (∫“∑/Àÿâπ) (∫“∑/Àÿâπ) (%) (∫“∑/Àÿâπ)

8.87 4.74 4.13 15.60 10.56 0.78 7.51 69.12 0.50

9.13 5.27 3.86 15.82 10.27 0.72 7.23 67.89 0.35

8.93 5.60 3.33 13.22 9.59 0.82 6.85 47.11 0.60

(%) (‡∑à“)

1.57 0.10

1.64 0.10

1.37 0.10

(‡∑à“) (‡∑à“) (%)

5.92 1.19 0.92

5.54 1.20 0.77

4.99 1.17 0.54

(≈â“π∫“∑)

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

‘π∑√—æ¬å√«¡ ≈â“π∫“∑ 12,000

11,937.70 10,865.60 9,443.84

9,000 6,000 3,000

à«π¢ÕßºŸâ∂◊ÕÀÿâπ 0 2549

2550

2551

≈â“π∫“∑ 2,000 1,600

1,576.48

1,662.36

1,726.28

2550

2551

1,200 800

√“¬‰¥â√«¡ ≈â“π∫“∑ 1,200

400 1,147.27

0 2549

1,051.42

900

896.80

600 300

°”‰√ ÿ∑∏‘À≈—ßÀ—°¿“…’ 0 2549

2550

2551

≈â“π∫“∑ 200 178.92 166.38

160 120

118.57

80 40 0 2549

8 √“¬ß“πª√–®”ªï 2551

2550

2551

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

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10 √“¬ß“πª√–®”ªï 2551

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∏ÿ√°‘®°“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πμå ∫√‘…—∑‡ªìπºŸâ¥”‡π‘π∏ÿ√°‘®„Àâ∫√‘°“√ ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πμå ‚¥¬„Àâ∫√‘°“√·°à°≈ÿà¡≈Ÿ°§â“∫ÿ§§≈∏√√¡¥“‡ªìπÀ≈—° ∑—Èß∑’Ë‡ªìπ √∂¬πμå „À¡à·≈–√∂¬πμå „™â·≈â« ´÷Ëß‰¥â·°à √∂¬πμåπ—Ëß à«π∫ÿ§§≈ ·≈–√∂¬πμå‡æ◊ËÕ°“√æ“≥‘™¬å ‡™àπ √∂°√–∫– √∂μŸâ √∂∫√√∑ÿ° ·≈–√∂·∑Á°´’Ë ‡ªìπμâπ °≈ÿà¡≈Ÿ°§â“ à«π„À≠àÕ¬Ÿà „π‡¢μ°√ÿß‡∑æœ ·≈–ª√‘¡≥±≈ √Õß≈ß¡“‡ªìπ°≈ÿà¡≈Ÿ°§â“∑’ËÕ¬Ÿà „π‡¢μ¿“§°≈“ß ¿“§μ–«—πÕÕ° ·≈–¿“§μ–«—πμ° ∫√‘…—∑‡ªìπ ¡“™‘°¢Õß ¡“§¡∏ÿ√°‘®‡™à“´◊ÈÕ‰∑¬·≈–‡ªìπºŸâ√à«¡°àÕμ—Èß ¡“§¡œ ‚¥¬¡’ºŸâ∫√‘À“√ ¢Õß∫√‘…—∑∑à“πÀπ÷Ëß‡ªìπ°√√¡°“√ πÕ°®“°π’È ∫√‘…—∑¬—ß‡ªìπ ¡“™‘°¢Õß∫√‘…—∑ ¢âÕ¡Ÿ≈‡§√¥‘μ·Ààß™“μ‘ ®”°—¥ (National Credit Bureau Co.,Ltd.)

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

∏ÿ√°‘®°“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ≈’ ´‘Ëß / ‡™à“´◊ÈÕ‡§√◊ËÕß®—°√·≈–¬“πæ“Àπ– ∫√‘…—∑¬àÕ¬‡√‘Ë¡¥”‡π‘π∏ÿ√°‘®„Àâ∫√‘°“√ ‘π‡™◊ËÕ≈’ ´‘Ëß ·≈– ‘π‡™◊ËÕ‡™à“´◊ÈÕμ—Èß·μàªï 2532 ‚¥¬„Àâ∫√‘°“√·°à°≈ÿà¡≈Ÿ°§â“ π‘μ‘∫ÿ§§≈‡ªìπÀ≈—° ”À√—∫ ‘π‡™◊ËÕ≈’ ´‘Ëß∑’Ë „Àâ∫√‘°“√π—Èπª√–°Õ∫¥â«¬ —≠≠“‡™à“°“√‡ß‘π·≈– —≠≠“‡™à“¥”‡π‘πß“π °≈ÿà¡≈Ÿ°§â“ ¢Õß∫√‘ …— ∑ ¬à Õ ¬ à « π„À≠à ‡ ªì π ºŸâ ª √–°Õ∫°“√∑’Ë μ—È ß Õ¬Ÿà „π‡¢μ°√ÿß‡∑æœ ·≈–ª√‘¡≥±≈ ‚¥¬∫√‘…—∑¬àÕ¬‡πâπ „Àâ ∫ √‘ ° “√·°à °≈ÿ¡à Õÿμ “À°√√¡¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡∑’¡Ë »’ °— ¬¿“æ„π°“√∑”°”‰√·≈–°“√‡μ‘∫‚μ ‡™àπ Õÿμ “À°√√¡‡§√◊ÕË ß¡◊Õ·≈–‡§√◊ÕË ß®—°√ Õÿμ “À°√√¡∫√‘°“√ ·≈–Õÿμ “À°√√¡‡§√◊ËÕß„™â‰øøÑ“ ‡ªìπμâπ ∑√—æ¬å ‘π∑’Ë∫√‘…—∑¬àÕ¬„Àâ ‘π‡™◊ËÕ §◊Õ ‡§√◊ËÕß®—°√ Õÿª°√≥å ¬“πæ“Àπ– ∑—ßÈ ∑’‡Ë ªìπ‡§√◊ÕË ß®—°√„À¡à ·≈–‡§√◊ÕË ß®—°√„™â·≈â« ‚¥¬‡πâπ‡©æ“–‡§√◊ÕË ß®—°√∑’°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√–‡∑»‰∑¬

∏ÿ√°‘®°“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß ”À√—∫∏ÿ√°‘®°“√„Àâ∫√‘°“√ ‘π‡™◊ÕË ·ø§μÕ√‘ßË ∫√‘…∑— ¬àÕ¬‡√‘¡Ë „Àâ∫√‘°“√μ—ßÈ ·μàªï 2542 °≈ÿ¡à ≈Ÿ°§â“ ‘π‡™◊ÕË ·ø§μÕ√‘ßË 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 ºŸªâ √–°Õ∫°“√„πÕÿμ “À°√√¡‡§√◊ÕË ß„™â‰øøÑ“ Õÿμ “À°√√¡∫√‘°“√ ·≈–Õÿμ “À°√√¡‡§¡’¿—≥±å·≈–æ≈“ μ‘° ‡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¢Õß ºŸâ´◊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“∑’Ë Õ¬Ÿàμà“ßª√–‡∑»´÷Ëß‡ªìπ∫√‘…—∑§Ÿà§â“¢ÕßºŸâ àßÕÕ°„πª√–‡∑» æ√âÕ¡∫√‘°“√μ√«® Õ∫∞“π–¢ÕßºŸâπ”‡¢â“„πμà“ßª√–‡∑»ºà“π ºŸâ „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)

12 √“¬ß“πª√–®”ªï 2551

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14 √“¬ß“πª√–®”ªï 2551

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

¢âÕ¡Ÿ≈§≥–°√√¡°“√·≈–ºŸâ∫√‘À“√ ¥√. Õ”π«¬ «’√«√√≥ §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫—π 2542 - ªí®®ÿ∫—π 2542 - ªí®®ÿ∫—π

ª√–∏“π°√√¡°“√/ ª√–∏“π°√√¡°“√∫√‘À“√ ª√‘≠≠“‡Õ° “¢“∫√‘À“√∏ÿ√°‘® University of Michigan, U.S.A.

ª√–∏“π°√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ª√–∏“π°√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ª√–∏“π°√√¡°“√ / ª√–∏“π°√√¡°“√∫√‘À“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 2552 - ªí®®ÿ∫—π ª√–∏“π°√√¡°“√°‘μμ‘¡»—°¥‘Ï ∫√‘…—∑ À¬Ÿ‡π’Ë¬π ®”°—¥ (¡À“™π) 2542 - ªí®®ÿ∫—π ª√–∏“π°√√¡°“√ ∫√‘…—∑ 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«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 925,600 Àÿâπ) π“¬‚≈ ®ÿπ ≈Õß °√√¡°“√∫√‘À“√ / °√√¡°“√ºŸâ®—¥°“√ §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“∫√‘À“√∏ÿ√°‘® University of Santa Clara, U.S.A. ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫—π °√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2542 - ªí®®ÿ∫—π °√√¡°“√ / °√√¡°“√ºŸâ®—¥°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2542 - ªí®®ÿ∫—π °√√¡°“√∫√‘À“√ / °√√¡°“√ºŸ®â ¥— °“√ ∫√‘…∑— °√ÿß‡∑æ·°√π¥å·ª´‘ø§î ≈’ ®”°—¥ (¡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«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 180,050 Àÿâπ)

22 √“¬ß“πª√–®”ªï 2551

π“¬‡∑’¬π∑«’ √–μ—πμ‘Ï §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫—π 2547 - ªí®®ÿ∫—π 2542 - ªí®®ÿ∫—π 2535 - ªí®®ÿ∫—π 2548 - 2552 2549 - 2551 2535 - 2549 °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√

°√√¡°“√∫√‘À“√ ª√‘≠≠“‚∑ “¢“°“√®—¥°“√ Arthur D. Little Management Education Institute, U.S.A.

°√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °√√¡°“√∫√‘À“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) √Õßª√–∏“π°√√¡°“√ ¡“§¡‡™à“´◊ÈÕ‰∑¬ √Õß°√√¡°“√ºŸâ®—¥°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ºŸâ®—¥°“√∑—Ë«‰ª ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 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«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 189,400 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 Executive Vice President, Chailease Finance Co., Ltd. 2544 - 2549 Executive Vice President, Chailease Consumer Finance Co., Ltd. °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 57/2549 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡à¡’ π“¬Œ«ß ‡™ß À¡‘ß °√√¡°“√ §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“°“√®—¥°“√ Massachusetts Institute of Technology (MIT), U.S.A. ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2547 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 2550 - ªí®®ÿ∫—π Senior Executive Vice President/ Director, Financial One Corp. 2550 - ªí®®ÿ∫—π Director, Grand Pacific Holdings Corp. 2549 - ªí®®ÿ∫—π Chairman, Chailease International Leasing Co., Ltd. 2549 - ªí®®ÿ∫—π Non-executive Director, Responze TV International Ltd. 2548 - ªí®®ÿ∫—π °√√¡°“√ºŸâ®—¥°“√ ∫√‘…—∑ ‡Õ‡§ ‡ÕÁπ‡μÕ√å‰æ√ å (ª√–‡∑»‰∑¬) ®”°—¥ 2547 - ªí®®ÿ∫—π Senior Executive Vice President/ Director, Chailease Finance Co., Ltd. °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ‰¡à¡’ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 231,400 Àÿâπ)

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

π“¬øß ≈Õß ‡™π §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2542 - ªí®®ÿ∫—π 2542 - ªí®®ÿ∫—π 2551 - ªí®®ÿ∫—π 2551 - ªí®®ÿ∫—π 2550 - ªí®®ÿ∫—π 2550 - ªí®®ÿ∫—π 2550 - ªí®®ÿ∫—π 2549 - ªí®®ÿ∫—π

°√√¡°“√ ª√‘≠≠“‚∑ “¢“°“√®—¥°“√ Massachusetts Institute of Technology (MIT), U.S.A.

°√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) Chairman, Chailease Auto Service Co., Ltd. Chairman, Chailease International Corp. Chairman, Chailease Finance Co., Ltd. President/ Director , Financial One Corp. Director, Grand Pacific Holdings Corp. Chairman of Control Committee, Chailease International Leasing Company (Vietnam) 2549 - ªí®®ÿ∫—π Chairman, My Fleet Co., Ltd. 2548 - ªí®®ÿ∫—π Chairman, Chaileaese International Finance Co. 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«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 231,400 Àÿâπ) π“¬À≈‘« ‡®’¬ ‡®’¬ß °√√¡°“√ (‡¢â“¥”√ßμ”·Àπàß «—π∑’Ë 25 °ÿ¡¿“æ—π∏å 2552) §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“∫√‘À“√∏ÿ√°‘® Sloan School of MIT, U.S.A ª√– ∫°“√≥å∑”ß“π 2552 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2552 - ªí®®ÿ∫—π °√√¡°“√ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 2552 - ªí®®ÿ∫—π Member of Control Committee, Chailease International Leasing Co., Ltd. 2552 - ªí®®ÿ∫—π Chief Financial Officer, Financial One Corp. 2552 - ªí®®ÿ∫—π Supervisor, Chailease Auto Service Co., Ltd. 2547 - 2551 President, Grand Pacific Credit Co., Ltd. °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ‰¡à¡’ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡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«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 161,400 Àÿâπ)

24 √“¬ß“πª√–®”ªï 2551

π“¬ª√–¥‘…∞ »«— μπ“ππ∑å §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫—π 2547 - ªí®®ÿ∫—π 2543 - ªí®®ÿ∫—π 2548 - 2549 2546 - 2549 2544 - 2549 °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√

ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– ª√‘≠≠“‚∑ “¢“∫√‘À“√∏ÿ√°‘® Central State University, Oklahoma, U.S.A.

ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– ∫√‘…∑— ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘ßË ®”°—¥ (¡À“™π) °√√¡°“√Õ‘ √–/ °√√¡°“√μ√«® Õ∫ ∫√‘…—∑ ‰∑¬øî≈å¡ Õ‘π¥— ∑√’ ®”°—¥ (¡À“™π) °√√¡°“√Õ‘ √–/ °√√¡°“√μ√«® Õ∫ ∫√‘…—∑À≈—°∑√—æ¬å ‡§®’‰Õ ®”°—¥ (¡À“™π) ∑’Ëª√÷°…“§≥–°√√¡“∏‘°“√°“√æ—≤π“‡»√…∞°‘® ¿“ºŸâ·∑π√“…Æ√ °√√¡°“√ ∫√‘…—∑ »Ÿπ¬å√—∫Ω“°À≈—°∑√—æ¬å (ª√–‡∑»‰∑¬) ®”°—¥ π—°«‘™“°“√ª√–®” §≥–°√√¡“∏‘°“√°“√‡ß‘π °“√§≈—ß °“√∏π“§“√œ ¿“ºŸâ·∑π√“…Æ√ À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 19/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 3/2543 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ Audit Committee √ÿàπ∑’Ë 3/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ Improving the Quality of Financial Reporting √ÿàπ∑’Ë 4/2549 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√ Chief Financial Officer Certification Program ®“° ¡“§¡π—°∫—≠™’·≈–ºŸâ Õ∫∫—≠™’√—∫Õπÿ≠“μ·Ààßª√–‡∑»‰∑¬ √ÿàπ∑’Ë 1/2547 ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡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 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«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 50,000 Àÿâπ)

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

√». ¥√. ÿª√’¬“ §«√‡¥™–§ÿªμå §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2549 - ªí®®ÿ∫—π 2529 - ªí®®ÿ∫—π 2547 - 2549 2543 - 2547 °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√

°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– ª√‘≠≠“‡Õ° “¢“‡»√…∞»“ μ√å University of Hawaii, U.S.A.

°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) √Õß»“ μ√“®“√¬å ¿“§«‘™“‡»√…∞»“ μ√å §≥–‡»√…∞»“ μ√å ¡À“«‘∑¬“≈—¬‡°…μ√»“ μ√å ∑’Ëª√÷°…“ºŸâÕ”π«¬°“√ ”π—°ß“π‡»√…∞°‘®°“√§≈—ß ”π—°ß“π‡»√…∞°‘®°“√§≈—ß §≥∫¥’§≥–‡»√…∞»“ μ√å ¡À“«‘∑¬“≈—¬‡°…μ√»“ μ√å 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°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡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‘ √– (‡¢â“¥”√ßμ”·Àπàß «—π∑’Ë 25 °ÿ¡¿“æ—π∏å 2552) §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“‚∑ “¢“∫—≠™’ Roosevelt University, U.S.A. ª√– ∫°“√≥å∑”ß“π 2552 - ªí®®ÿ∫—π °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2543 - ªí®®ÿ∫—π °√√¡°“√ BNH Medical Center Co., Ltd. 2540 - ªí®®ÿ∫—π Assistant Vice President- Finance ∫√‘…—∑ ∫“ß°Õ°·Õ√å‡«¬å ®”°—¥ °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ‰¡à¡’ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡à¡’ π“¬»√“¬ÿ∑∏å ¢“«≈–‡Õ’¬¥ ºŸ®â ¥— °“√∑—«Ë ‰ª §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√‘≠≠“μ√’ “¢“°“√μ≈“¥ ¡À“«‘∑¬“≈—¬∏√√¡»“ μ√å ª√– ∫°“√≥å∑”ß“π 2552 - ªí®®ÿ∫—π °√√¡°“√ ¡“§¡‡™à“´◊ÈÕ‰∑¬ 2549 - ªí®®ÿ∫—π ºŸâ®—¥°“√∑—Ë«‰ª ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) 2537 - 2549 ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ª ΩÉ“¬§«∫§ÿ¡ ‘π‡™◊ËÕ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ‰¡à¡’ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 126,800 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«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 89,080 Àÿâπ)

26 √“¬ß“πª√–®”ªï 2551

π“¬»√“¬ÿ∑∏å ™—¬ «— ¥‘Ï §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫—π 2545 - ªí®®ÿ∫—π 2543 - 2545 °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√

À—«Àπâ“‡®â“Àπâ“∑’Ë “√ π‡∑» / √—°…“°“√À—«Àπâ“‡®â“Àπâ“∑’Ë∏ÿ√°“√ ª√‘≠≠“‚∑ “¢“§Õ¡æ‘«‡μÕ√å ∂“∫—π∫—≥±‘μæ—≤π∫√‘À“√»“ μ√å

√—°…“°“√À—«Àπâ“‡®â“Àπâ“∑’Ë∏ÿ√°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) À—«Àπâ“‡®â“Àπâ“∑’Ë “√ π‡∑» ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) À—«Àπâ“‡®â“Àπâ“∑’ËªØ‘∫—μ‘°“√ ∫√‘…—∑ ‰Õ´’Õ’ §Õπ´—≈μ‘Èß ®”°—¥ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ àß‡ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡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¡’ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—π«“§¡ 2551 ‡∑’¬∫°—∫ªï 2550 ‰¡à‡ª≈’Ë¬π·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 140,300 Àÿâπ) °“√ √√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 2551 §à“μÕ∫·∑π°√√¡°“√¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ª√–°Õ∫¥â«¬ §à“μÕ∫·∑πª√–®”·≈–§à“‡∫’È¬ª√–™ÿ¡´÷Ëß‰¥â√—∫ Õπÿ¡—μ‘®“°∑’Ëª√–™ÿ¡ºŸâ∂◊ÕÀÿâπ ¥—ßπ’È §à“μÕ∫·∑πª√–®” §à“‡∫’È¬ª√–™ÿ¡ (∫“∑μàÕ‡¥◊Õπ) (∫“∑μàÕ§√—Èß) ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 30,000 6,000 °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 20,000 6,000 ª√–∏“π°√√¡°“√/ °√√¡°“√∫√‘À“√/ °√√¡°“√∑’Ë‰¡à‡ªìπºŸâ∫√‘À“√ 10,000 °√√¡°“√∫ÿ§§≈¿“¬πÕ° 10,000 6,000

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

§à“μÕ∫·∑π°√√¡°“√ ”À√—∫ªï 2551 ¡’√“¬≈–‡Õ’¬¥¥—ßπ’È ™◊ËÕ μ”·Àπàß ¥√. Õ”π«¬ «’√«√√≥ π“¬‚≈ ®ÿπ ≈Õß π“¬‡∑’¬π∑«’ √–μ—πμ‘Ï π“¬‡™π ¬‘ß Œÿ¬ π“¬Œ«ß ‡™ß À¡‘ß π“¬‡≈’Ë¬« Õ‘ß ®◊ÈÕ* π“¬øß ≈Õß ‡™π π“¬‡©‘π ™‘ ™‘ß* π“ßªØ‘¡“ ™«≈‘μ π“¬ª√–¥‘…∞ »«— μπ“ππ∑å π“¬Õπ—πμå »«— μπ“ππ∑å √». ¥√. ÿª√’¬“ §«√‡¥™–§ÿªμå √«¡

ª√–∏“π°√√¡°“√/ ª√–∏“π°√√¡°“√∫√‘À“√ °√√¡°“√∫√‘À“√/ °√√¡°“√ºŸâ®—¥°“√ °√√¡°“√∫√‘À“√ °√√¡°“√∫√‘À“√ °√√¡°“√ °√√¡°“√ °√√¡°“√ °√√¡°“√ °√√¡°“√ ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √–

§à“μÕ∫·∑πª√–®” (∫“∑) 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 360,000 240,000 240,000 1,920,000

§à“‡∫’È¬ª√–™ÿ¡ (∫“∑) 18,000 18,000 12,000 18,000 66,000

* ∑’Ëª√–™ÿ¡°√√¡°“√∫√‘…—∑ §√—Èß∑’Ë 2/2552 ‡¡◊ËÕ«—π∑’Ë 25 °ÿ¡¿“æ—π∏å 2552 ‰¥â¡’¡μ‘√—∫∑√“∫°“√≈“ÕÕ°®“°μ”·Àπàß°√√¡°“√¢Õßπ“¬‡©‘π ™‘ ™‘ß ·≈–π“¬‡≈’Ë¬« Õ‘ß ®◊ÈÕ ‚¥¬¡’º≈μ—Èß·μà«—π∑’Ë 24 °ÿ¡¿“æ—π∏å 2552

§à“μÕ∫·∑πºŸâ∫√‘À“√ „πªï 2551 §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 30.57 ≈â“π∫“∑ ·≈–‡ß‘π ¡∑∫°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ ‡ß‘πª√–°—π —ß§¡ √«¡∑—Èßº≈μÕ∫·∑πÕ◊Ëπ ®”π«π 1.64 ≈â“π∫“∑ √«¡§à“μÕ∫·∑π°√√¡°“√∫√‘À“√·≈–ºŸâ∫√‘À“√∑’Ë‡ªìπμ—«‡ß‘π√«¡ 32.21 ≈â“π∫“∑

§à“μÕ∫·∑πÕ◊πË -‰¡à¡’°“√∂◊Õ§√ÕßÀ≈—°∑√—æ¬å¢Õß°√√¡°“√·≈–ºŸâ∫√‘À“√ ™◊ËÕ Àÿâπ “¡—≠ (Àÿâπ) ≥ ‘Èπªï 2551 ≥ ‘Èπªï 2550 ‡ª≈’Ë¬π·ª≈ß °√√¡°“√ ¥√. Õ”π«¬ «’√«√√≥ π“¬‚≈ ®ÿπ ≈Õß π“¬‡∑’¬π∑«’ √–μ—πμ‘Ï π“¬‡™π ¬‘ß Œÿ¬ π“¬Œ«ß ‡™ß À¡‘ß π“¬‡≈’Ë¬« Õ‘ß ®◊ÈÕ**

28 √“¬ß“πª√–®”ªï 2551

925,600 180,050 189,400 231,400 -

Àÿâπ “¡—≠ (Àÿâπ) ≥ ‘Èπªï 2551 ≥ ‘Èπªï 2550 ‡ª≈’Ë¬π·ª≈ß °√√¡°“√ π“¬øß ≈Õß ‡™π π“¬‡©‘π ™‘ ™‘ß** π“ßªØ‘¡“ ™«≈‘μ π“¬ª√–¥‘…∞ »«— μπ“ππ∑å π“¬Õπ—πμå »«— μπ“ππ∑å √». ¥√. ÿª√’¬“ §«√‡¥™“§ÿªμå*

231,400 161,400 60,000 50,000 60,000

™◊ËÕ

ºŸâ∫√‘À“√ π“¬»√“¬ÿ∑∏å ¢“«≈–‡Õ’¬¥ π“¬¥π—¬ ≈“¿“«‘«—≤πå

Àÿâπ “¡—≠ (Àÿâπ) ≥ ‘Èπªï 2551 ≥ ‘Èπªï 2550 ‡ª≈’Ë¬π·ª≈ß

126,800 89,080

Àÿâπ “¡—≠ (Àÿâπ) ≥ ‘Èπªï 2551 ≥ ‘Èπªï 2550 ‡ª≈’Ë¬π·ª≈ß

ºŸâ∫√‘À“√ π“¬»√“¬ÿ∑∏å ™—¬ «— ¥‘Ï π“¬™π¡åæ‘‡™… μ—πμ‘°‘μμ‘¿‘≠‚≠

55,000 140,300

* √«¡°“√∂◊ÕÀ≈—°∑√—æ¬å ‚¥¬ºŸâ‡°’Ë¬«¢âÕß ** ∑’Ëª√–™ÿ¡°√√¡°“√∫√‘…—∑ §√—Èß∑’Ë 2/2552 ‡¡◊ËÕ«—π∑’Ë 25 °ÿ¡¿“æ—π∏å 2552 ‰¥â¡’¡μ‘√—∫∑√“∫°“√≈“ÕÕ°®“°μ”·Àπàß°√√¡°“√¢Õßπ“¬‡©‘π ™‘ ™‘ß ·≈–π“¬‡≈’Ë¬« Õ‘ß ®◊ÈÕ ‚¥¬¡’º≈μ—Èß·μà«—π∑’Ë 24 °ÿ¡¿“æ—π∏å 2552

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34 √“¬ß“πª√–®”ªï 2551

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§à“∏√√¡‡π’¬¡°“√§È”ª√–°—π‡ß‘π°Ÿâ ´÷Ëß∫√‘…—∑°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘πÕ◊Ëπ 1. §à“∏√√¡‡π’¬¡°“√§È”ª√–°—π‡ß‘π°Ÿâ 2. §à“∏√√¡‡π’¬¡°“√§È”ª√–°—π ‡ß‘π°Ÿâ§â“ß®à“¬

5. Financial One Corp / - ∫√‘…—∑∑’Ë‡°’Ë¬«¢âÕß°—∫ ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑ (∫√‘…—∑ ‰™≈’ ‰ø·ππ´å ®”°—¥ ·≈– ∫√‘…—∑ ‡Õ‡§ ‡ÕÁπ‡μÕ√å‰æ√å (ª√–‡∑»‰∑¬) ®”°—¥) 6. °Õß∑ÿπ∫√‘À“√ ‘π∑√—æ¬å “∏√ ´‘μ’È∑“«‡«Õ√å/ - ‡ªìπ°Õß∑ÿπ∑’Ë‡°’Ë¬«¢âÕß°—∫ ∫®°.´‘μ’È‡√’¬≈μ’È ´÷Ëß ∫®°.´‘μ’È‡√’¬≈μ’È ‡°’Ë¬«¢âÕß°—∫ ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑ §◊Õ ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 7. °Õß∑ÿπ√«¡∫“ß°Õ°°“√å‡¥π∑å/ - ‡ªìπ°Õß∑ÿπ∑’Ë‡°’Ë¬«¢âÕß°—∫ ∫®°.´‘μ’È‡√’¬≈μ’È ´÷Ëß ∫®°.´‘μ’È‡√’¬≈μ’È ‡°’Ë¬«¢âÕß°—∫ ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑ §◊Õ ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π)

§à“∏√√¡‡π’¬¡°“√§È”ª√–°—π‡ß‘π °Ÿâ´÷Ëß∫√‘…—∑°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘πÕ◊Ëπ 1. §à“∏√√¡‡π’¬¡°“√§È”ª√–°—π‡ß‘π°Ÿâ 2. §à“∏√√¡‡π’¬¡°“√§È”ª√–°—π ‡ß‘π°Ÿâ§â“ß®à“¬

√“¬®à“¬§à“‡™à“æ◊Èπ∑’Ë ‡§√◊ËÕßμ°·μàß ”π—°ß“π ·≈–§à“∫√‘°“√¢Õß∫√‘…—∑ ·≈–∫√‘…—∑¬àÕ¬ 1. √“¬®à“¬§à“‡™à“æ◊Èπ∑’Ë ‡§√◊ËÕß μ°·μàß ”π—°ß“π ·≈–§à“∫√‘°“√

√“¬®à“¬§à“‡™à“æ◊Èπ∑’Ë®Õ¥√∂ ”À√—∫ ∑√—æ¬å ‘π∑’Ë¬÷¥¢Õß∫√‘…—∑·≈– ∫√‘…—∑¬àÕ¬ ‚¥¬ —≠≠“¡’√–¬–‡«≈“ 1 ªï μ—Èß·μà«—π∑’Ë 1 æƒ»®‘°“¬π 31 μÿ≈“§¡ 1. √“¬®à“¬§à“‡™à“æ◊Èπ∑’Ë

¡Ÿ≈§à“√“¬°“√√–À«à“ß°—π ”À√—∫ ß«¥ ‘Èπ ÿ¥ (æ—π∫“∑) 31 ∏.§. 2551 31 ∏.§. 2550

3,890.72 3,890.72

1,595.09 1,595.09

156.37 156.37

14,298.94

√“¬ß“πª√–®”ªï 2551

- §≥–°√√¡°“√μ√«® Õ∫ ‰¥â Õ∫∑“π·≈– æ‘®“√≥“√“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ«à“ ¡’¡Ÿ≈§à“‡ªìπ‰ªμ“¡√“§“μ≈“¥·≈–‡ª√’¬∫ ‡∑’¬∫‰¥â°—∫¢π“¥¢Õß ‘π∑√—æ¬å·≈–∫√‘°“√ Õâ“ßÕ‘ß„π°≈ÿà¡∫√‘…—∑ ¡’§«“¡ ¡‡Àμÿ ¡º≈ ·≈–‡ªìπ‰ªμ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª - §≥–°√√¡°“√μ√«® Õ∫ ‰¥â Õ∫∑“π·≈– æ‘®“√≥“√“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ «à“¡’¡≈Ÿ §à“‡ªìπ‰ªμ“¡√“§“μ≈“¥·≈–‡ª√’¬∫ ‡∑’¬∫‰¥â°—∫¢π“¥¢Õß ‘π∑√—æ¬å·≈–∫√‘°“√ Õâ“ßÕ‘ß„π°≈ÿà¡∫√‘…—∑ ¡’§«“¡ ¡‡Àμÿ ¡º≈ ·≈–‡ªìπ‰ªμ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª

- §≥–°√√¡°“√μ√«® Õ∫ ‰¥â Õ∫∑“π·≈– æ‘®“√≥“√“¬°“√¥—ß°≈à“«·≈â«¡’§«“¡‡ÀÁπ«à“ ¡’¡Ÿ≈§à“‡ªìπ‰ªμ“¡√“§“μ“¡ —≠≠“∑’Ë 13,588.98 μ°≈ß°—π¡’§«“¡ ¡‡Àμÿ ¡º≈·≈–‡ªìπ ‰ªμ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª

- §≥–°√√¡°“√μ√«® Õ∫ ‰¥â Õ∫∑“π·≈– æ‘®“√≥“√“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ«à“ ¡’¡Ÿ≈§à“‡ªìπ‰ªμ“¡√“§“μ“¡ —≠≠“∑’Ë μ°≈ß°—π ¡’§«“¡ ¡‡Àμÿ ¡º≈·≈–‡ªìπ‰ª μ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª 600.00

600.00

∑’Ë¡“ : ß∫°“√‡ß‘π√«¡¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ªï 2550 - ªï 2551 μ√«® Õ∫‚¥¬ºŸâ Õ∫∫—≠™’

‡Àμÿº≈§«“¡®”‡ªìπ¢Õß°“√∑” √“¬°“√√–À«à“ß°—π / À¡“¬‡Àμÿ

§”Õ∏‘∫“¬·≈–°“√«‘‡§√“–Àå∞“π–∑“ß°“√‡ß‘π·≈–º≈°“√¥”‡π‘πß“π ¿“æ√«¡¢Õßº≈°“√¥”‡π‘πß“π∑’Ëºà“π¡“ „πªï 2551 ¿“æ‡»√…∞°‘®¢Õßª√–‡∑»‰∑¬‚¥¬√«¡™–≈Õμ—«≈¥≈ß®“°ªï°àÕπ ‚¥¬º≈‘μ¿—≥±å¡«≈√«¡„πª√–‡∑» (GDP) ¡’ Õ—μ√“°“√¢¬“¬μ—«√âÕ¬≈– 2.6 ‡ª√’¬∫‡∑’¬∫°—∫ªï∑’Ë·≈â«´÷Ëß¡’Õ—μ√“°“√¢¬“¬μ—«√âÕ¬≈– 4.9 ®“°º≈°√–∑∫¢Õßªí®®—¬¿“¬πÕ°ª√–‡∑» „π™à«ß§√÷Ëßªï·√°‡»√…∞°‘®¢Õß‰∑¬‰¥â√—∫º≈°√–∑∫®“°√“§“πÈ”¡—π·≈–Õ“À“√∑’Ë Ÿß¢÷Èπ∑”„ÀâÕ—μ√“‡ß‘π‡øÑÕÕ¬Ÿà„πÕ—μ√“∑’Ë Ÿß ·≈–μàÕ¡“„π ™à«ß§√÷ËßªïÀ≈—ß ‡»√…∞°‘®‰∑¬‰¥â√—∫º≈°√–∑∫®“°°“√™–≈Õμ—«¢Õß‡»√…∞°‘®‚≈° ´÷Ëß‡ªìπº≈¡“®“° ‘π‡™◊ËÕÕ —ßÀ“√‘¡∑√—æ¬å Sub-prime „π À√—∞Õ‡¡√‘°“ ·≈–®“°º≈°√–∑∫¢Õßªí®®—¬¿“¬„πª√–‡∑» §«“¡‰¡à ß∫∑“ß°“√‡¡◊Õß‰¥â àßº≈°√–∑∫‡™‘ß≈∫μàÕ‡»√…∞°‘®‰∑¬ ´÷Ëßº≈ °√–∑∫¢Õßªí®®—¬¿“¬πÕ°ª√–‡∑» ·≈–¿“¬„πª√–‡∑»¥—ß°≈à“« àßº≈„Àâ§«“¡‡™◊ËÕ¡—Ëπ¢ÕßºŸâ∫√‘‚¿§·≈–π—°≈ß∑ÿπ¿“¬„πª√–‡∑»≈¥≈ß Õ¬à“ßμàÕ‡π◊ËÕß ∑”„Àâ°“√Õÿª ‚¿§∫√‘‚¿§¿“§‡Õ°™π (Private Consumption) ·≈–°“√≈ß∑ÿπ¿“§‡Õ°™π (Private Investment) ‡μ‘∫‚μ ‡∑à“°—∫√âÕ¬≈– 3.6 ·≈– √âÕ¬≈– 3.5 „πªï 2551 μ“¡≈”¥—∫ ·≈–‡∑à“°—∫√âÕ¬≈– 1.5 ·≈–√âÕ¬≈– (0.5) „πªï 2550 „π¥â“πÕÿª ß§å μà“ßª√–‡∑» ®“°°“√∑’Ë‡»√…∞°‘®¢Õßª√–‡∑»§Ÿà§â“≈¥≈ß ‰¥â àßº≈„Àâ°“√ àßÕÕ°·≈–°“√π”‡¢â“¡’Õ—μ√“°“√‡μ‘∫‚μ‡∑à“°—∫√âÕ¬≈– 16.8 ·≈–√âÕ¬≈– 26.4 „πªï 2551 μ“¡≈”¥—∫ ‡ª√’¬∫‡∑’¬∫°—∫√âÕ¬≈– 17.2 ·≈–√âÕ¬≈– 9.0 „πªï 2550 μ“¡≈”¥—∫ ”À√—∫Õ—μ√“¥Õ°‡∫’È¬‡§≈◊ËÕπ‰À«‰ª„π∑‘»∑“ß∑’Ë∑√ßμ—«„π™à«ß§√÷Ëß·√°¢Õßªï 2551 ·≈–ª√—∫≈¥≈ß„π™à«ß§√÷ËßÀ≈—ß¢Õßªïμ“¡ Õ—μ√“¥Õ°‡∫’È¬π‚¬∫“¬ ∑—Èßπ’È Õ—μ√“¥Õ°‡∫’È¬μ≈“¥´◊ÈÕ§◊πæ—π∏∫—μ√√–¬– 1 «—π ‡©≈’Ë¬∑—ÈßªïÕ¬Ÿà∑’Ë√âÕ¬≈– 3.38 μàÕªï´÷ËßμË”°«à“§à“‡©≈’Ë¬¢Õßªï ∑’Ë·≈â«∑’ËÕ¬Ÿà∑’ËÕ—μ√“√âÕ¬≈– 3.77 μàÕªï ‡æ◊ËÕ™à«¬„π°“√°√–μÿâπ‡»√…∞°‘®´÷ËßμâÕß‡º™‘≠°—∫¿“«–‡ß‘π‡øÑÕ∑’Ë Ÿß¢÷Èπ‡ªìπ√âÕ¬≈– 5.5 „πªï 2551 ”À√—∫¬Õ¥¢“¬√∂¬πμå „À¡à „πªï 2551 ≈¥≈ß®“°ªï 2550 √âÕ¬≈– 2.5 ®“°¬Õ¥¢“¬√«¡ 631,250 §—π„πªï 2550 ‡ªìπ¬Õ¥¢“¬ √«¡∑—Èßªï®”π«π 615,270 §—π„πªï 2551 ‚¥¬μ≈“¥√∂ªî°Õ—æ≈¥≈ß√âÕ¬≈– 17.6 ·≈–√∂¬πμå‡æ◊ËÕ°“√æ“≥‘™¬å≈¥≈ß√âÕ¬≈– 1.9 ¢≥–∑’Ë ¬Õ¥¢“¬√∂¬πμåπ—Ëß à«π∫ÿ§§≈‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 33.3 πÕ°®“°π’È Õ—μ√“°“√„™â°”≈—ß°“√º≈‘μ¢ÕßÕÿμ “À°√√¡ (Industrial Capacity Utilization Rate) ‰¥â≈¥≈ß®“°Õ—μ√“√âÕ¬≈– 72.6 „πªï 2550 ‡ªìπÕ—μ√“√âÕ¬≈– 67.6 „πªï 2551 ´÷Ëß –∑âÕπ¬Õ¥°“√ àßÕÕ°∑’Ë≈¥≈ß Õ¬à“ßμàÕ‡π◊ËÕß ‡¡◊ËÕæ‘®“√≥“¿“æ√«¡¢Õßº≈°“√¥”‡π‘πß“π ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’°”‰√ ÿ∑∏‘ √«¡ 178.92 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 7.54 ®“°ªï 2550 ´÷ËßÕ¬Ÿà∑’Ë 166.38 ≈â“π∫“∑ ‚¥¬¡’ “‡ÀμÿÀ≈—°¡“®“°¢¬“¬μ—«¢Õß√“¬‰¥â¥Õ°º≈®“°°“√„Àâ ‘π‡™◊ËÕ‡™à“´◊ÈÕ®“°°“√¢¬“¬μ—« ¢Õß¬Õ¥ ‘π‡™◊ËÕ‡™à“´◊ÈÕ Õ—μ√“º≈μÕ∫·∑πμàÕ à«π¢ÕßºŸâ∂◊ÕÀÿâπ (ROE) ‡∑à“°—∫√âÕ¬≈– 10.56 „πªï 2551 ‡æ‘Ë¡¢÷Èπ‡¡◊ËÕ‡ª√’¬∫‡∑’¬∫°—∫ √âÕ¬≈– 10.27 „πªï 2550 °”‰√μàÕÀÿâπ‡∑à“°—∫ 0.78 ∫“∑ ‡æ‘Ë¡¢÷Èπ®“°®”π«π 0.72 ∫“∑„πªï 2550 º≈°“√¥”‡π‘πß“π √“¬‰¥â „πªï 2551 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’√“¬‰¥â√«¡‡∑à“°—∫ 1,147.27 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 9.12 ®“°ªï 2550 ´÷Ëß¡’√“¬‰¥â√«¡ ‡∑à“°—∫ 1,051.42 ≈â“π∫“∑ ‚¥¬¡’√“¬‰¥âÀ≈—°®“°¥Õ°º≈‡™à“´◊ÈÕ §‘¥‡ªìπ√âÕ¬≈– 73.44 ¢Õß√“¬‰¥â√«¡ °“√ª√—∫μ—«‡æ‘Ë¡¢÷Èπ¥—ß°≈à“« ‡ªìπº≈¡“®“°°“√¢¬“¬¬Õ¥ ‘π‡™◊ËÕ‡™à“´◊ÈÕ„À¡à ∑—Èß ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πμå‡æ◊ËÕ°“√æ“≥‘™¬å ‘π‡™◊ËÕ‡™à“´◊ÈÕ‡§√◊ËÕß®—°√·≈–Õÿª°√≥å¢Õß ¿“§Õÿμ “À°√√¡ ‚¥¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ (°àÕπÀ—°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠) ≥ ‘Èπªï 2551 ‡∑à“°—∫ 10,263.89 ≈â“π∫“∑ ª√—∫μ—« ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 10.93 ®“°®”π«π 9,227.86 ≈â“π∫“∑ ≥ ‘Èπªï 2550 ”À√—∫√“¬‰¥â®“° —≠≠“‡™à“°“√‡ß‘π·≈– —≠≠“‡™à“¥”‡π‘πß“π„πªï 2551 π—Èπ ¡’ —¥ à«π√âÕ¬≈– 6.23 ¢Õß√“¬‰¥â√«¡ ´÷Ëß¡’ ®”π«π‡∑à“°—∫ 71.53 ≈â“π∫“∑ ‚¥¬ª√—∫μ—«‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 9.15 ®“°®”π«π 65.53 ≈â“π∫“∑„πªï 2550

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

√“¬‰¥â®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß„πªï 2551 ´÷Ëß§‘¥‡ªìπ —¥ à«π√âÕ¬≈– 5.97 ¢Õß√“¬‰¥â√«¡¡’®”π«π‡∑à“°—∫ 68.51 ≈â“π∫“∑ À√◊Õª√—∫μ—«‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 30.02 ®“°®”π«π 52.69 ≈â“π∫“∑„πªï 2550 ‚¥¬°“√‡æ‘Ë¡¢÷Èπ¥—ß°≈à“«‡ªìπ‰ªμ“¡°“√¢¬“¬μ—«¢Õß §«“¡μâÕß°“√‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π¢ÕßºŸâª√–°Õ∫°“√∏ÿ√°‘®¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡ 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 2551 √“¬‰¥âÕ◊Ëπ¡’®”π«π‡∑à“°—∫ 164.67 ≈â“π∫“∑ À√◊Õª√—∫μ—«‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 7.23 ®“°®”π«π‡∑à“°—∫ 153.56 ≈â“π∫“∑„πªï 2550 §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 2551 ¡’®”π«π 968.35 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 9.41 ®“°®”π«π 885.04 ≈â“π∫“∑„πªï 2550 ¥—ßπ’È §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ „πªï 2551 §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ ¡’®”π«π‡∑à“°—∫ 357.09 ≈â“π∫“∑ §‘¥‡ªìπ√âÕ¬≈– 36.88 ¢Õß§à“„™â®à“¬√«¡ ·≈– ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 14.79 ®“°®”π«π 311.08 ≈â“π∫“∑„πªï 2550 §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¬≈– 24.33 ¢Õß§à“„™â®à“¬√«¡ à«πÀπ’È Ÿ≠·≈–§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ·≈–ª√–¡“≥°“√Àπ’È ‘π®“° °“√§È”ª√–°—π¡’®”π«π 92.17 ≈â“π∫“∑ §‘¥‡ªìπ√âÕ¬≈– 9.52 ¢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 2551 ¡’®”π«π‡∑à“°—∫ 448.58 ≈â“π∫“∑ §‘¥‡ªìπ√âÕ¬≈– 46.32 ¢Õß§à“„™â®à“¬√«¡ ‚¥¬‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 2.05 ®“°®”π«π 439.57 ≈â“π∫“∑„πªï 2550 ´÷Ëß‡ªìπº≈®“° ®”π«π‡ß‘π°Ÿâ¬◊¡∑’Ë‡æ‘Ë¡¢÷Èπ‡π◊ËÕß®“° ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πμå∑’Ë¢¬“¬μ—« „π¢≥–∑’ËÕ—μ√“¥Õ°‡∫’È¬®à“¬‡©≈’Ë¬≈¥≈ß®“°√âÕ¬≈– 5.27 „πªï 2550 ‡ªìπ√âÕ¬≈– 4.74 „πªï 2551 ¿“…’‡ß‘π‰¥âπμ‘ ∫‘ §ÿ §≈ „πªï 2551 ¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈¡’®”π«π 70.51 ≈â“π∫“∑ À√◊Õ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 43.58 ®“°®”π«π 49.10 ≈â“π∫“∑„πªï 2550 ‡ªìπº≈¡“®“°°”‰√°àÕπ¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈∑’Ë‡æ‘Ë¡¢÷Èπ®“°°“√¥”‡π‘πß“π °”‰√ ÿ∑∏‘ „πªï 2551 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’°”‰√ ÿ∑∏‘À≈—ßÀ—°¿“…’‡∑à“°—∫ 178.92 ≈â“π∫“∑ À√◊Õ‡æ‘Ë¡¢÷Èπª√–¡“≥√âÕ¬≈– 7.54 ®“° ®”π«π 166.38 ≈â“π∫“∑„πªï 2550 °”‰√μàÕÀÿâπ‡æ‘Ë¡¢÷Èπ®“° 0.72 ∫“∑μàÕÀÿâπ„πªï 2550 ‡ªìπ 0.78 ∫“∑μàÕÀÿâπ„πªï 2551 ∫√‘…—∑·≈– ∫√‘…—∑¬àÕ¬¡’Õ—μ√“°”‰√ ÿ∑∏‘·≈–Õ—μ√“º≈μÕ∫·∑πμàÕºŸâ∂◊ÕÀÿâπ ”À√—∫ªï 2551 ∑’Ë√âÕ¬≈– 15.60 ·≈–√âÕ¬≈– 10.56 ‡ª√’¬∫‡∑’¬∫°—∫ªï 2550 ∑’Ë√âÕ¬≈– 15.82 ·≈–√âÕ¬≈– 10.27 μ“¡≈”¥—∫ ∞“π–∑“ß°“√‡ß‘π ‘π∑√—æ¬å ≥ ‘Èπªï 2551 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’ ‘π∑√—æ¬å√«¡‡∑à“°—∫ 11,937.70 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 9.87 ®“°®”π«π 10,865.60 ≈â“π∫“∑ ≥ ‘Èπªï 2550 ‚¥¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ÿ∑∏‘ ´÷Ëß‡ªìπ ‘π∑√—æ¬åÀ≈—°¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ §‘¥‡ªìπ —¥ à«π√âÕ¬≈– 84.77 ¢Õß ‘π∑√—æ¬å√«¡

42 √“¬ß“πª√–®”ªï 2551

®“°°“√∑’Ë¡’ª√– ‘∑∏‘¿“æ∑’Ë¥’ „π°“√®—¥‡°Á∫Àπ’È ¢π“¥æÕ√åμ ‘π‡™◊ËÕ∑’Ë‡æ‘Ë¡¢÷Èπ·≈–º≈®“°°“√μ—¥Àπ’È Ÿ≠ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ¡’ ‘π‡™◊ËÕ∑’Ë‰¡à°àÕ„Àâ‡°‘¥√“¬‰¥â (NPLs) ≥ ‘Èπªï 2551 ¡’®”π«π‡∑à“°—∫ 108.28 ≈â“π∫“∑ À√◊Õ‡∑à“°—∫√âÕ¬≈– 0.92 ¢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¬≈– 146.57 –∑âÕπ∂÷ß§«“¡‡æ’¬ßæÕ¢Õß°“√μ—Èß ”√Õß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ Àπ’È ‘π ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’Àπ’È ‘π√«¡ ≥ ‘Èπªï 2551 ‡∑à“°—∫ 10,211.42 ≈â“π∫“∑ ‚¥¬¡’‡ß‘π°Ÿâ¬◊¡√«¡ 9,932.60 ≈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√«¡ 6,432.60 ≈â“π∫“∑ À√◊Õ§‘¥‡ªìπ√âÕ¬≈– 64.76 ¢Õß‡ß‘π°Ÿâ¬◊¡√«¡ Õ¬à“ß‰√ °Áμ“¡‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ„π —¥ à«π∑’Ë Ÿß®–‰¡à¡’º≈°√–∑∫μàÕ ¿“æ§≈àÕß∑“ß°“√‡ß‘π¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬‡π◊ËÕß®“°‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ à«π„À≠à¡“®“°°≈ÿà¡ºŸâ∂◊ÕÀÿâπ„À≠à´÷Ëß‡ªìπ ∂“∫—π°“√‡ß‘π¢π“¥„À≠à ¥—ßπ—Èπ∑”„Àâ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ “¡“√∂∫√‘À“√μâπ∑ÿπ∑“ß°“√‡ß‘π Õ¬à“ß¡’ª√– ‘∑∏‘¿“æ ª√–‡¿∑Àπ’È ‘π ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π - ‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘π∑’Ë‡°’Ë¬«¢âÕß°—π - ‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘πÕ◊Ëπ ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„π 1 ªï ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“° ∂“∫—π°“√‡ß‘π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„π 1 ªï ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ √«¡‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π- ÿ∑∏‘®“° à«π∑’Ë∂÷ß°”Àπ¥™”√–„π 1 ªï ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“° ∂“∫—π°“√‡ß‘π √«¡‡ß‘π°Ÿâ¬◊¡√–¬–¬“« ‡ß‘π°Ÿâ¬◊¡√«¡

≥ «—π∑’Ë 31 ∏.§. 2551 ®”π«π‡ß‘π (≈â“π∫“∑) √âÕ¬≈– (%) 5,562.60 56.00 2,511.66 25.29 3,050.94 30.71 60.00 0.60 800.00 8.06 10.00 0.10 6,432.60 64.76 2,000.00 20.14 1,500.00 15.10 3,500.00 35.24 9,932.60 100.00

¿“æ§≈àÕß ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 °”Àπ¥°“√®à“¬™”√–§◊π‡ß‘π°Ÿâ®“°¬Õ¥‡ß‘π°Ÿâ ·≈–‡ß‘π§à“ß«¥∑’Ë§“¥«à“®–‰¥â√—∫„π™à«ß√–¬–‡«≈“μà“ßÊ “¡“√∂ √ÿª‰¥â¥ß— π’È √–¬–‡«≈“ ¿“¬„π 1 ªï ‡°‘π°«à“ 1 ªï ·μà‰¡à‡°‘π 2 ªï ‡°‘π°«à“ 2 ªï ·μà‰¡à‡°‘π 3 ªï ‡°‘π°«à“ 3 ªï ≈Ÿ°Àπ’ÈÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â √«¡

°”Àπ¥™”√–§◊πÀπ’È‡ß‘π°Ÿâ¬◊¡ (≈â“π∫“∑) 6,432.60 3,000.00 500.00 9,932.60

§à“ß«¥∑’Ë®–‰¥â√—∫™”√–®“°≈Ÿ°Àπ’È (≈â“π∫“∑) 5,910.75 3,640.75 2,236.89 1,441.73 115.97 13,346.09

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

®“° à«πμà“ß√–À«à“ß§à“ß«¥∑’Ë®–‰¥â√—∫™”√–¿“¬„π 1 ªï ·≈–°”Àπ¥™”√–§◊πÀπ’È‡ß‘π°Ÿâ¬◊¡¿“¬„π 1 ªï ®”π«π 521.85 ≈â“π ∫“∑¢â“ßμâπ Õ“®°≈à“«‰¥â«à“ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬‰¡à¡’º≈°√–∑∫„π‡√◊ËÕß ¿“æ§≈àÕß∑“ß°“√‡ß‘π‡π◊ËÕß®“°‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ∫“ß à«π ‡ªìπ‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘π ∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π®”π«π 2,571.66 ≈â“π∫“∑ §‘¥‡ªìπ√âÕ¬≈– 39.98 ¢Õß‡ß‘π°Ÿâ¬◊¡ ¿“¬„π 1 ªï πÕ°®“°π’È ®“°Õ¥’μ∑’Ëºà“π¡“ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬®—¥«à“‡ªìπ≈Ÿ°§â“™—Èπ¥’¢Õß ∂“∫—π°“√‡ß‘πμà“ßÊ ´÷Ëß‰¡à‡§¬∂Ÿ°‡√’¬° §◊π‡ß‘π°Ÿâ°àÕπ°”Àπ¥·≈– “¡“√∂μàÕÕ“¬ÿ —≠≠“‡ß‘π°Ÿâ¡“‚¥¬μ≈Õ¥·¡â „π™à«ß¿“«–«‘°ƒμ‡»√…∞°‘®¢Õßª√–‡∑» πÕ°®“°π’È ∫√‘…—∑ ·≈–∫√‘…—∑¬àÕ¬¬—ß¡’«ß‡ß‘π ‘π‡™◊ËÕ§ß‡À≈◊Õ®“° ∂“∫—π°“√‡ß‘πÕ◊ËπÕ’°ª√–¡“≥ 1,496 ≈â“π∫“∑‰«â ”√Õß ´÷Ëß –∑âÕπ„Àâ‡ÀÁπ§«“¡‡æ’¬ß æÕ¢Õß ¿“æ§≈àÕß∑“ß°“√‡ß‘π¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ Õ¬à“ß‰√°Áμ“¡ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¬—ß§ßª√—∫ª√ÿß‚§√ß √â“ß·À≈àß∑’Ë¡“ ¢Õß‡ß‘π∑ÿπ„Àâ‡À¡“– ¡¢÷Èπ ‚¥¬∑¬Õ¬ª√—∫‡ª≈’Ë¬π°“√°Ÿâ¬◊¡‡ß‘π√–¬– —Èπ„Àâ‡ªìπ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«„Àâ¡“°¢÷Èπ‡æ◊ËÕ√—°…“ à«πμà“ßÕ—μ√“ ¥Õ°‡∫’È¬‰¡à „Àâº—πº«π¡“° √«¡∂÷ß¡’π‚¬∫“¬°√–®“¬§«“¡‡ ’Ë¬ß„π‡√◊ËÕß¢Õß·À≈àß‡ß‘π∑ÿπ·À≈àß„À¡àπÕ°®“°‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π °“√‡ß‘π ‡™àπ ºà“πμ≈“¥μ√“ “√Àπ’È ‡ªìπμâπ à«π¢ÕßºŸâ∂◊ÕÀÿâπ ≥ ‘πÈ ªï 2551 ∫√‘…∑— ·≈–∫√‘…∑— ¬àÕ¬¡’ «à π¢ÕßºŸ∂â Õ◊ Àÿπâ ‡∑à“°—∫ 1,726.29 ≈â“π∫“∑ ‡æ‘¡Ë ¢÷πÈ √âÕ¬≈– 3.85 ®“°®”π«π 1,662.36 ≈â“π∫“∑ ≥ ‘Èπªï 2550 ‚¥¬¡’∑ÿπ™”√–·≈â«®”π«π 1,150 ≈â“π∫“∑·≈–¡’°”‰√ – ¡‡∑à“°—∫ 430.91 ≈â“π∫“∑ ∑—Èßπ’Èªí®®—¬À≈—° ∑’Ë∑”„Àâ à«π¢ÕßºŸâ∂◊ÕÀÿâπ‡æ‘Ë¡¢÷Èπ‡°‘¥¢÷Èπ®“°°”‰√ ÿ∑∏‘¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ §à“μÕ∫·∑π¢ÕßºŸâ Õ∫∫—≠™’ „πªï 2551 ∫√‘…—∑·≈–∫√‘…—∑¬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√«¡ 2,780,000 ∫“∑ ∫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◊πË ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬®à“¬§à“μÕ∫·∑π¢Õßß“π∫√‘°“√Õ◊Ëπ ´÷Ëß‰¥â·°à §à“„™â®à“¬„π°“√®—¥ àß‡Õ° “√ §à“‡¥‘π∑“ß §à“„™â Õ◊Ëπ∑’Ë‡°’Ë¬«¢âÕß°—∫°“√ Õ∫∫—≠™’ ‡ªìπμâπ „Àâ·°à ”π—°ß“πºŸâ Õ∫∫—≠™’¢Õß∫√‘…—∑ „π√Õ∫∫—≠™’∑’Ëºà“π¡“®”π«π√«¡ 20,440 ∫“∑ ∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—∫ºŸâ Õ∫∫—≠™’·≈– ”π—°ß“π Õ∫∫—≠™’∑’ËºŸâ Õ∫∫—≠™’ —ß°—¥ „π√Õ∫∫—≠™’∑’Ëºà“π ¡“®”π«π√«¡ 0 ∫“∑

44 √“¬ß“πª√–®”ªï 2551

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

2551

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√

38,059,157 28,369,067 38,059,157 28,369,067 392,853,448 338,621,236 354,264,528 285,152,806 1,726,286,058 1,662,363,756 1,683,509,135 1,604,707,323 11,937,703,959 10,865,604,921 9,926,814,949 8,872,479,204

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(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√

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2551

2550

842,565,803 779,631,402 68,511,319 52,691,830 71,530,461 65,303,512 227,935 5,027,063 5,796,863 38,223,152 30,888,048 58,312,572 58,606,406 46,800 49,725 63,056,233 58,223,269 1,147,273,403 1,051,418,990

57,853,155 299,238,818 22,000,000 70,167,747 449,259,720 698,013,683 (448,584,161) 249,429,522 (70,507,220) 178,922,302

2551

2550

744,279,413 4,060,763 36,058,869 55,062,181 53,982,283 47,025,820 940,469,329

675,047,650 4,401,577 29,146,080 55,490,058 57,493,207 46,734,808 868,313,380

230,873 57,036,356 44,950,791 41,644,519 254,045,381 236,344,412 194,793,393 85,047,193 55,297,667 61,411,425 396,359,803 336,592,870 297,849,337 655,059,187 603,876,459 570,464,043 (439,573,141) (362,346,568) (359,400,397) 215,486,046 241,529,891 211,063,646 (49,104,921) (47,728,079) (38,547,717) 166,381,125 193,801,812 172,515,929

23 0.78

0.72

0.84

0.75

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

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(Àπà«¬: ∫“∑)

∑ÿπ‡√◊ÕπÀÿâπ ∑’ÕË Õ° à«π‡°‘π À¡“¬‡Àμÿ ·≈–™”√–·≈â« ¡Ÿ≈§à“Àÿâπ ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2549 1,150,000,000 141,185,450 °”‰√ ÿ∑∏‘ ”À√—∫ªï ”√Õßμ“¡°ÆÀ¡“¬ ‡ß‘πªíπº≈®à“¬ 26 ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2550 1,150,000,000 141,185,450 ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2550 °”‰√ ÿ∑∏‘ ”À√—∫ªï ”√Õßμ“¡°ÆÀ¡“¬ ‡ß‘πªíπº≈®à“¬ 26 ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551

1,150,000,000 141,185,450 1,150,000,000 141,185,450

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50 √“¬ß“πª√–®”ªï 2551

ß∫°“√‡ß‘π√«¡ º≈μà“ß °”‰√ – ¡ ®“°°“√ ®—¥ √√·≈â« ª√—∫‚§√ß √â“ß ”√Õßμ“¡ ¬—ß‰¡à‰¥â ºŸâ∂◊ÕÀÿâπ °ÆÀ¡“¬ ®—¥ √√ 4,188,003 19,743,270 261,365,908 - 166,381,125 8,625,797 (8,625,797) - (80,500,000) 4,188,003 28,369,067 338,621,236 4,188,003 4,188,003

28,369,067 9,690,090 38,059,157

338,621,236 178,922,302 (9,690,090) (115,000,000) 392,853,448

√«¡ 1,576,482,631 166,381,125 (80,500,000) 1,662,363,756 1,662,363,756 178,922,302 (115,000,000) 1,726,286,058

(Àπà«¬: ∫“∑)

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∑ÿπ‡√◊ÕπÀÿâπ ∑’ÕË Õ° À¡“¬‡Àμÿ ·≈–™”√–·≈â« 1,150,000,000 26 1,150,000,000

ß∫°“√‡ß‘π‡©æ“–°‘®°“√ °”‰√ – ¡ ®—¥ √√·≈â« à«π‡°‘π ”√Õßμ“¡ ¬—ß‰¡à‰¥â ¡Ÿ≈§à“Àÿâπ °ÆÀ¡“¬ ®—¥ √√ √«¡ 141,185,450 19,743,270 201,762,674 1,512,691,394 - 172,515,929 172,515,929 8,625,797 (8,625,797) - (80,500,000) (80,500,000) 141,185,450 28,369,067 285,152,806 1,604,707,323

1,150,000,000 141,185,450 1,150,000,000 141,185,450

28,369,067 9,690,090 38,059,157

285,152,806 1,604,707,323 193,801,812 193,801,812 (9,690,090) (115,000,000) (115,000,000) 354,264,528 1,683,509,135

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

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52 √“¬ß“πª√–®”ªï 2551

2551

2550

249,429,522

215,486,046

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2551 241,529,891

2550 211,063,646

70,167,747 85,047,193 55,297,667 61,411,425 22,000,000 5,615,463 2,741,634 3,985,155 (5,237,045) 17,280 8,320 12,941,364 13,249,759 9,569,020 9,949,184 616,258 207,674 523,059 114,472 1,066 1,048 1,129,050 (204,750) 1,129,050 (204,750) (769,020) (425,380) (290,001) (987,634,646) (903,423,607) (748,340,176) (679,449,227) 441,303,100 420,235,967 356,906,361 344,018,336 (46,800) (49,725) (53,982,283) (57,493,207) (185,229,616) (167,126,869) (133,671,209) (115,827,166) (1,020,455,929) (1,040,972,732) (1,072,160,649) (1,100,663,534) (45,792,187) (109,059,965) (16,854,730) (312,792,851) 28,693,561 1,555,718 28,693,561 (7,984,466) (40,923,895) (13,297,724) (41,896,164) (2,671,864) 3,681,738 (34,835,176) (16,564,637) (6,434,974) (40,532,943) 1,492,756 (10,331,062) (2,301,893) 12,203,947 (1,336,065) 4,221,455 (132,812) 8,640,441 38,803,142 23,924,927 10,841,044 (5,000,000) (1,200,935) (1,301,569,613) (1,638,770,701) (1,217,783,778) (1,225,175,665) 984,167,447 894,001,787 748,872,306 674,618,949 (429,826,259) (412,727,272) (352,221,314) (336,252,557) (65,681,189) (37,193,715) (53,182,411) (25,454,667) (812,909,614) (1,194,689,901) (874,315,197) (912,263,940)

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ß∫°“√‡ß‘π√«¡ 2551 °√–· ‡ß‘π ¥®“°°‘®°√√¡≈ß∑ÿπ ´◊ÈÕÕÿª°√≥å ´◊ÈÕ ‘π∑√—æ¬å‰¡à¡’μ—«μπ ‡ß‘π ¥√—∫®“°°“√®”Àπà“¬Õÿª°√≥å ‡ß‘πªíπº≈√—∫ ‡ß‘π ¥ ÿ∑∏‘‰¥â¡“®“° („™â‰ª„π) °‘®°√√¡≈ß∑ÿπ °√–· ‡ß‘π ¥®“°°‘®°√√¡®—¥À“‡ß‘π ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∏π“§“√‡æ‘Ë¡¢÷Èπ (≈¥≈ß) ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ≈¥≈ß ®à“¬™”√–§◊π‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈∑’Ë‡°’Ë¬«¢âÕß°—π ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π‡æ‘Ë¡¢÷Èπ ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√‡æ‘Ë¡¢÷Èπ ‡ß‘πªíπº≈®à“¬ ‡ß‘π ¥ ÿ∑∏‘‰¥â¡“®“°°‘®°√√¡®—¥À“‡ß‘π ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥‡æ‘Ë¡¢÷Èπ ÿ∑∏‘ ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥μâπªï ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ª≈“¬ªï (À¡“¬‡Àμÿ 20)

(5,891,861) (775,680) 1,236,570 46,800 (5,384,171)

2550 (12,119,275) (749,300) 645,327 49,725 (12,173,523)

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2550 (7,816,336) (749,300) 57,493,207 48,927,571

(65,055,805) 17,879,309 215,000,000 (193,000,000) (40,000,000) (57,300,000) (40,000,000) (57,300,000) - (70,000,000) 600,000,000 400,000,000 300,000,000 200,000,000 500,000,000 1,000,000,000 500,000,000 1,000,000,000 (115,000,000) (80,500,000) (115,000,000) (80,500,000) 879,944,195 1,210,079,309 860,000,000 869,200,000 61,650,410 3,215,885 33,851,457 5,863,631 (32,206,184) (35,422,069) (36,410,003) (42,273,634) 29,444,226 (32,206,184) (2,558,546) (36,410,003)

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4.4

‘π∑√—æ¬å√Õ°“√¢“¬ ‘π∑√—æ¬å√Õ°“√¢“¬‡ªìπ ‘π∑√—æ¬å´÷Ëß‰¥â¬÷¥¡“®“°≈Ÿ°Àπ’È‡™à“´◊ÈÕ·≈–≈Ÿ°Àπ’È —≠≠“‡™à“°“√‡ß‘π ·≈–‰¥â· ¥ß‰«â„π √“§“∑ÿπ (´÷Ëß à«π„À≠àª√–°Õ∫¥â«¬§à“ß«¥∑’Ë§â“ß™”√– ÿ∑∏‘) À√◊Õ¡Ÿ≈§à“ ÿ∑∏‘∑’Ë§“¥«à“®–¢“¬‰¥â·≈â«·μà√“§“„¥®–μË”°«à“ ‚¥¬°“√μ—Èß§à“‡º◊ËÕ¡Ÿ≈§à“≈¥≈ß ”À√—∫ ‘π∑√—æ¬å∑’Ë¬÷¥§◊π

4.5

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

56 √“¬ß“πª√–®”ªï 2551

‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬∑’Ë· ¥ßÕ¬Ÿà „πß∫°“√‡ß‘π‡©æ“–°‘®°“√· ¥ß¡Ÿ≈§à“μ“¡«‘∏’√“§“∑ÿπ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬„™â«‘∏’∂—«‡©≈’Ë¬∂à«ßπÈ”Àπ—°„π°“√§”π«≥μâπ∑ÿπ¢Õß‡ß‘π≈ß∑ÿπ 4.6

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

4.7

‘π∑√—æ¬å‰¡à¡’μ—«μπ ‘π∑√—æ¬å∑’Ë‰¡à¡’μ—«μπ· ¥ßμ“¡√“§“∑ÿπÀ—°§à“μ—¥®”Àπà“¬ – ¡·≈–§à“‡º◊ËÕ°“√¥âÕ¬§à“ (∂â“¡’) §à“μ—¥®”Àπà“¬ ¢Õß ‘π∑√—æ¬å∑’Ë‰¡à¡’μ—«μπ§”π«≥®“°√“§“∑ÿπ¢Õß ‘π∑√—æ¬å ‚¥¬«‘∏’‡ âπμ√ßμ“¡Õ“¬ÿ °“√„Àâª√–‚¬™πå‚¥¬ª√–¡“≥¢Õß ‘π∑√—æ¬å‰¡à¡’μ—«μπ¥—ßμàÕ‰ªπ’È ‚ª√·°√¡§Õ¡æ‘«‡μÕ√å 10 ªï §à“μ—¥®”Àπà“¬√«¡Õ¬Ÿà „π°“√§”π«≥º≈°“√¥”‡π‘πß“π ‰¡à¡’°“√§‘¥§à“μ—¥®”Àπà“¬ ”À√—∫‚ª√·°√¡§Õ¡æ‘«‡μÕ√å√–À«à“ßμ‘¥μ—Èß

4.8

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

4.9

—≠≠“‡™à“√–¬–¬“« ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬„π∞“π–ºŸâ „Àâ‡™à“ —≠≠“‡™à“∑’§Ë «“¡‡ ’¬Ë ß·≈–º≈μÕ∫·∑π¢Õß§«“¡‡ªìπ‡®â“¢Õß à«π„À≠à‰¥â ‚Õπ‰ª„Àâº‡Ÿâ ™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

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

4.10 ‡ß‘πμ√“μà“ßª√–‡∑» √“¬°“√∑’Ë‡ªìπ‡ß‘πμ√“μà“ßª√–‡∑»·ª≈ß§à“‡ªìπ‡ß‘π∫“∑‚¥¬„™âÕ—μ√“·≈°‡ª≈’Ë¬π ≥ «—π∑’Ë‡°‘¥√“¬°“√ ‘π∑√—æ¬å ·≈–Àπ’È ‘π∑’Ë‡ªìπμ—«‡ß‘π´÷ËßÕ¬Ÿà „π °ÿ≈‡ß‘πμ√“μà“ßª√–‡∑»‰¥â·ª≈ß§à“‡ªìπ‡ß‘π∫“∑‚¥¬„™âÕ—μ√“·≈°‡ª≈’Ë¬π ≥ «—π∑’Ë „πß∫¥ÿ≈ °”‰√·≈–¢“¥∑ÿπ∑’Ë‡°‘¥®“°°“√‡ª≈’Ë¬π·ª≈ß„πÕ—μ√“·≈°‡ª≈’Ë¬π√«¡Õ¬Ÿà „π°“√§”π«≥º≈°“√¥”‡π‘πß“π 4.11 °“√¥âÕ¬§à“¢Õß ‘π∑√—æ¬å ∑ÿ ° «— π ∑’Ë „πß∫¥ÿ≈ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–∑”°“√ª√–‡¡‘π°“√¥âÕ¬§à“¢Õß∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥åÀ√◊Õ ‘ π ∑√— æ ¬å ∑’Ë ‰¡à¡’μ—«μπÕ◊Ëπ¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ À“°¡’¢âÕ∫àß™’È«à“ ‘π∑√—æ¬å¥—ß°≈à“«Õ“®¥âÕ¬§à“ ∫√‘…—∑œ·≈– ∫√‘…—∑¬àÕ¬√—∫√Ÿâ¢“¥∑ÿπ®“°°“√¥âÕ¬§à“‡¡◊ËÕ¡Ÿ≈§à“∑’Ë§“¥«à“®–‰¥â√—∫§◊π¢Õß ‘π∑√—æ¬å¡’¡Ÿ≈§à“μË”°«à“¡Ÿ≈§à“μ“¡∫—≠™’¢Õß ‘π∑√—æ¬åπ—Èπ ∑—Èßπ’È¡Ÿ≈§à“∑’Ë§“¥«à“®–‰¥â√—∫§◊πÀ¡“¬∂÷ß¡Ÿ≈§à“¬ÿμ‘∏√√¡À—°μâπ∑ÿπ„π°“√¢“¬¢Õß ‘π∑√—æ¬åÀ√◊Õ¡Ÿ≈§à“ ®“°°“√„™â ‘π∑√—æ¬å·≈â«·μà√“§“„¥®– Ÿß°«à“ „π°“√ª√–‡¡‘π¡Ÿ≈§à“®“°°“√„™â ‘π∑√—æ¬å ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ ª√–¡“≥°“√°√–· ‡ß‘π ¥„πÕπ“§μ∑’Ë°‘®°“√§“¥«à“®–‰¥â√—∫®“° ‘π∑√—æ¬å·≈–§”π«≥§‘¥≈¥‡ªìπ¡Ÿ≈§à“ªí®®ÿ∫—π‚¥¬„™â Õ—μ√“§‘¥≈¥°àÕπ¿“…’∑’Ë –∑âÕπ∂÷ß°“√ª√–‡¡‘π§«“¡‡ ’Ë¬ß„π ¿“æμ≈“¥ªí®®ÿ∫—π¢Õß‡ß‘π ¥μ“¡√–¬–‡«≈“·≈–§«“¡‡ ’Ë¬ß ´÷Ëß‡ªìπ≈—°…≥–‡©æ“–¢Õß ‘π∑√—æ¬å∑’Ë°”≈—ßæ‘®“√≥“Õ¬Ÿà „π°“√ª√–‡¡‘π¡Ÿ≈§à“¬ÿμ‘∏√√¡À—°μâπ∑ÿπ„π°“√¢“¬ ∫√‘…—∑œ ·≈–∫√‘…—∑¬àÕ¬„™â·∫∫®”≈Õß°“√ª√–‡¡‘π¡Ÿ≈§à“∑’Ë¥’∑’Ë ÿ¥´÷Ëß‡À¡“– ¡°—∫ ‘π∑√—æ¬å ´÷Ëß –∑âÕπ∂÷ß®”π«π‡ß‘π∑’Ë°‘®°“√ “¡“√∂®–‰¥â¡“®“°°“√®”Àπà“¬ ‘π∑√—æ¬åÀ—°¥â«¬μâπ∑ÿπ„π°“√®”Àπà“¬ ‚¥¬°“√®”Àπà“¬π—ÈπºŸâ´◊ÈÕ°—∫ºŸâ¢“¬¡’§«“¡ √Õ∫√Ÿ·â ≈–‡μÁ¡„®„π°“√·≈°‡ª≈’¬Ë π·≈– “¡“√∂μàÕ√Õß√“§“°—π‰¥âÕ¬à“ß‡ªìπÕ‘ √–„π≈—°…≥–¢ÕßºŸ∑â ’Ë‰¡à¡§’ «“¡‡°’¬Ë «¢âÕß°—π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–√—∫√Ÿâ√“¬°“√¢“¥∑ÿπ®“°°“√¥âÕ¬§à“„πß∫°”‰√¢“¥∑ÿπ 4.12 º≈ª√–‚¬™πåæπ—°ß“π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬√—∫√Ÿâ ‡ß‘π‡¥◊Õπ §à“®â“ß ‚∫π— ·≈–‡ß‘π ¡∑∫°Õß∑ÿπª√–°—π —ß§¡·≈–°Õß∑ÿπ ”√Õß‡≈’È¬ß ™’æ‡ªìπ§à“„™â®à“¬‡¡◊ËÕ‡°‘¥√“¬°“√ 4.13 ¿“…’‡ß‘π‰¥â ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬∫—π∑÷°¿“…’‡ß‘π‰¥â ‚¥¬§”π«≥®“°°”‰√ ÿ∑∏‘∑“ß¿“…’μ“¡°ÆÀ¡“¬¿“…’Õ“°√ 4.14 ª√–¡“≥°“√Àπ’È ‘π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–∫—π∑÷°ª√–¡“≥°“√Àπ’È ‘π‰«â „π∫—≠™’‡¡◊ËÕ¿“√–ºŸ°æ—π´÷Ëß‡ªìπº≈¡“®“°‡Àμÿ°“√≥å „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“ßπà“‡™◊ËÕ∂◊Õ 4.15 —≠≠“·≈°‡ª≈’Ë¬πÕ—μ√“¥Õ°‡∫’È¬ ∫√‘…—∑œ√—∫√Ÿâ®”π«π ÿ∑∏‘¢Õß¥Õ°‡∫’È¬∑’Ë‰¥â√—∫®“°/®à“¬„Àâ·°à§Ÿà —≠≠“μ“¡ —≠≠“·≈°‡ª≈’Ë¬πÕ—μ√“¥Õ°‡∫’È¬‡ªìπ √“¬‰¥â/§à“„™â®à“¬„πß∫°”‰√¢“¥∑ÿπμ“¡‡°≥±å§ß§â“ß 5.

°“√„™â¥ÿ≈¬æ‘π‘®·≈–ª√–¡“≥°“√∑“ß∫—≠™’∑’Ë ”§—≠ „π°“√®—¥∑”ß∫°“√‡ß‘πμ“¡¡“μ√∞“π°“√∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª ΩÉ“¬∫√‘À“√®”‡ªìπμâÕß„™â¥ÿ≈¬æ‘π‘®·≈–°“√ª√–¡“≥°“√ „π‡√◊ËÕß∑’Ë¡’§«“¡‰¡à·πàπÕπ‡ ¡Õ °“√„™â¥ÿ≈¬æ‘π‘®·≈–°“√ª√–¡“≥°“√¥—ß°≈à“«π’È àßº≈°√–∑∫μàÕ®”π«π‡ß‘π∑’Ë· ¥ß„π ß∫°“√‡ß‘π·≈–μàÕ¢âÕ¡Ÿ≈∑’Ë· ¥ß„πÀ¡“¬‡Àμÿª√–°Õ∫ß∫°“√‡ß‘π º≈∑’Ë‡°‘¥¢÷Èπ®√‘ßÕ“®·μ°μà“ß‰ª®“°®”π«π∑’Ëª√–¡“≥°“√‰«â °“√„™â¥ÿ≈¬æ‘π‘®·≈–°“√ª√–¡“≥°“√∑’Ë ”§—≠¡’¥ß— π’È

58 √“¬ß“πª√–®”ªï 2551

—≠≠“‡™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◊Ë Õ π‰¢·≈–√“¬≈–‡Õ’ ¬ ¥¢Õß — ≠ ≠“‡æ◊Ë Õ æ‘ ® “√≥“«à “ ∫√‘ …— ∑ œ‰¥â ‚ ÕπÀ√◊ Õ √— ∫ ‚Õπ§«“¡‡ ’Ë ¬ ß·≈– º≈ª√–‚¬™πå „π ‘π∑√—æ¬å∑’Ë‡™à“¥—ß°≈à“«·≈â«À√◊Õ‰¡à §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß≈Ÿ°Àπ’È „π°“√ª√–¡“≥§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß≈Ÿ°Àπ’È ΩÉ“¬∫√‘À“√®”‡ªìπμâÕß„™â¥ÿ≈¬æ‘π‘®„π°“√ª√–¡“≥°“√º≈¢“¥∑ÿπ∑’Ë §“¥«à“®–‡°‘¥¢÷Èπ®“°≈Ÿ°Àπ’È ‚¥¬§”π÷ß∂÷ßª√– ∫°“√≥å°“√‡°Á∫‡ß‘π„πÕ¥’μ Õ“¬ÿ¢ÕßÀπ’È∑’Ë§ß§â“ß·≈– ¿“«–‡»√…∞°‘®∑’Ë‡ªìπÕ¬Ÿà „π ¢≥–π—Èπ ‡ªìπμâπ ¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π „π°“√ª√–‡¡‘π¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π∑’Ë‰¡à¡’°“√´◊ÈÕ¢“¬„πμ≈“¥·≈–‰¡à “¡“√∂À“√“§“‰¥â „πμ≈“¥ ´◊ÈÕ¢“¬§≈àÕß ΩÉ“¬∫√‘À“√μâÕß„™â¥ÿ≈¬æ‘π‘®„π°“√ª√–¡“≥¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π¥—ß°≈à“« ‚¥¬„™â‡∑§π‘§ ·≈–·∫∫®”≈Õß°“√ª√–‡¡‘π¡Ÿ≈§à“ ´÷Ëßμ—«·ª√∑’Ë „™â „π·∫∫®”≈Õß‰¥â¡“®“°°“√‡∑’¬∫‡§’¬ß°—∫μ—«·ª√∑’Ë¡’Õ¬Ÿà „πμ≈“¥ ‚¥¬§”π÷ß ∂÷ß ¿“æ§≈àÕß ¢âÕ¡Ÿ≈§«“¡ —¡æ—π∏å ·≈–°“√‡ª≈’Ë¬π·ª≈ß¢Õß¡Ÿ≈§à“¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π„π√–¬–¬“« 6.

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ 6.1 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕª√–°Õ∫¥â«¬ (Àπà«¬: ∫“∑)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ ‡ªìπ√“¬‰¥â À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘

ß∫°“√‡ß‘π√«¡ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ∑’∂Ë ß÷ °”Àπ¥™”√–¿“¬„πÀπ÷ßË ªï ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï √«¡ 2551 2550 2551 2550 2551 2550 4,747,005,856 4,435,548,183 6,929,834,079 6,029,133,228 11,676,839,935 10,464,681,411 (733,491,897) (652,893,674) (706,455,301) (583,930,897) 4,013,513,959 3,782,654,509 6,223,378,778 5,445,202,331 (53,526,755) (62,382,569) (63,767,611) (57,205,546) 3,959,987,204 3,720,271,940 6,159,611,167 5,387,996,785

(1,439,947,198) (1,236,824,571) 10,236,892,737 9,227,856,840 (117,294,366) (119,588,115) 10,119,598,371 9,108,268,725 (Àπà«¬: ∫“∑)

ß∫°“√‡ß‘π‡©æ“–°‘®°“√ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ∑’∂Ë ß÷ °”Àπ¥™”√–¿“¬„πÀπ÷ßË ªï ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï √«¡ 2551 2550 2551 2550 2551 2550 4,158,679,623 3,784,858,777 6,547,652,177 5,655,314,681 10,706,331,800 9,440,173,458 (667,740,239) (581,601,751) (674,661,005) (554,401,903) (1,342,401,244) (1,136,003,654) 3,490,939,384 3,203,257,026 5,872,991,172 5,100,912,778 9,363,930,556 8,304,169,804 (31,789,405) (30,260,390) (53,507,894) (48,424,571) (85,297,299) (78,684,961) 3,459,149,979 3,172,996,636 5,819,483,278 5,052,488,207 9,278,633,257 8,225,484,843

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

6.2

≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ( ÿ∑∏‘®“°¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”·π° μ“¡Õ“¬ÿÀπ’È‰¥â¥—ßπ’È (Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ Õ“¬ÿÀπ’È§â“ß™”√– 2551 2550 2551 2550 ¬—ß‰¡à§√∫°”Àπ¥™”√– 9,257,035,295 8,365,545,079 8,462,114,757 7,507,015,866 §â“ß™”√– 1 ß«¥ - 3 ß«¥ 816,172,575 746,669,303 786,108,974 725,949,761 4 ß«¥ - 6 ß«¥ 64,066,952 62,954,446 45,191,747 47,612,350 7 ß«¥ - 12 ß«¥ 57,537,708 20,425,884 49,617,295 15,011,185 ‡°‘π°«à“ 12 ß«¥¢÷Èπ‰ª 42,080,207 32,262,128 20,897,783 8,580,642 √«¡ 10,236,892,737 9,227,856,840 9,363,930,556 8,304,169,804 À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (117,294,366) (119,588,115) (85,297,299) (78,684,961) ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ - ÿ∑∏‘ 10,119,598,371 9,108,268,725 9,278,633,257 8,225,484,843 6.3

≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ®”π«π‡ß‘π¢—ÈπμË”∑’ËμâÕß®à“¬μ“¡ —≠≠“‡™à“´◊ÈÕ·≈–¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß®”π«π‡ß‘π ¢—ÈπμË”¥—ß°≈à“«· ¥ß‰¥â¥—ßπ’È (Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ 2551 2550 ¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß ¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” μ“¡ —≠≠“‡™à“´◊ÈÕ ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ μ“¡ —≠≠“‡™à“´◊ÈÕ ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ ¿“¬„πÀπ÷Ëßªï 4,747,005,856 4,013,513,959 4,435,548,183 3,782,654,509 ‡°‘πÀπ÷Ëßªï·μà‰¡à‡°‘πÀâ“ªï 6,887,045,164 6,182,218,930 6,008,352,263 5,425,294,798 ‡°‘π°«à“Àâ“ªï 42,788,915 41,159,848 20,780,965 19,907,533 √«¡ 11,676,839,935 10,236,892,737 10,464,681,411 9,227,856,840 À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â (1,439,947,198) (1,236,824,571) ‡ß‘π≈ß∑ÿπ¢—Èπμâπμ“¡ —≠≠“‡™à“´◊ÈÕ ÿ∑∏‘ 10,236,892,737 9,227,856,840

60 √“¬ß“πª√–®”ªï 2551

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√

¿“¬„πÀπ÷Ëßªï ‡°‘πÀπ÷Ëßªï·μà‰¡à‡°‘πÀâ“ªï ‡°‘π°«à“Àâ“ªï √«¡ À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â ‡ß‘π≈ß∑ÿπ¢—Èπμâπμ“¡ —≠≠“‡™à“´◊ÈÕ ÿ∑∏‘

2551 ¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” μ“¡ —≠≠“‡™à“´◊ÈÕ ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ 4,158,679,623 3,490,939,384 6,504,863,262 5,831,831,324 42,788,915 41,159,848 10,706,331,800 9,363,930,556 (1,342,401,244) 9,363,930,556

2550 ¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß ®”π«π‡ß‘π¢—ÈπμË” ®”π«π‡ß‘π¢—ÈπμË” μ“¡ —≠≠“‡™à“´◊ÈÕ ∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬ 3,784,858,777 3,203,257,026 5,634,533,716 5,081,005,245 20,780,965 19,907,533 9,440,173,458 8,304,169,804 (1,136,003,654) 8,304,169,804

6.4

‡¡◊ËÕ«—π∑’Ë 30 ‡¡…“¬π 2547 ¡“§¡π—°∫—≠™’·≈–ºŸâ Õ∫∫—≠™’√—∫Õπÿ≠“μ·Ààßª√–‡∑»‰∑¬‚¥¬§«“¡‡ÀÁπ™Õ∫¢Õß ”π—°ß“π§≥–°√√¡°“√°”°—∫À≈—°∑√—æ¬å·≈–μ≈“¥À≈—°∑√—æ¬å‰¥â°”Àπ¥·π«ªØ‘∫—μ‘∑“ß°“√∫—≠™’ ”À√—∫∏ÿ√°‘® ‘π‡™◊ËÕ ‡æ◊ËÕ°“√Õÿª ‚¿§∫√‘ ‚¿§ (Consumer Finance) ‚¥¬„Àâ∫—π∑÷°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‡μÁ¡®”π«π·≈–À¬ÿ¥√—∫√Ÿâ√“¬‰¥â ”À√—∫≈Ÿ°Àπ’È∑’Ë§â“ß™”√–‡°‘π°«à“ 3 ß«¥ ·≈–∫—π∑÷° ”√Õß∑—Ë«‰ª ”À√—∫≈Ÿ°Àπ’È∑’Ë‰¡à§â“ß™”√–§à“ß«¥À√◊Õ§â“ß™”√– §à“ß«¥‰¡à‡°‘π°«à“ 3 ß«¥ ´÷ËßÀ“°∫√‘…—∑œμâÕßªØ‘∫—μ‘μ“¡·π«∑“ß¥—ß°≈à“« ‚¥¬‰¡àæ‘®“√≥“∂÷ß ”√Õß∑—Ë«‰ª ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ∫√‘…—∑œμâÕß∫—π∑÷°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‡æ‘Ë¡¢÷Èπ‡ªìπ®”π«π‡ß‘πª√–¡“≥ 30.41 ≈â“π∫“∑ (2550: ≈¥≈ß 7.86 ≈â“π∫“∑) ·≈–μâÕß√—∫√Ÿâ√“¬‰¥â ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2551 ≈¥≈ß‡ªìπ®”π«π‡ß‘πª√–¡“≥ 0.55 ≈â“π∫“∑ (2550: 0.44 ≈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’È μ“¡ —≠≠“‡™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«“§¡ 2551 ∫√‘…—∑œ‰¥âμ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ‚¥¬‡©≈’Ë¬„πÕ—μ√“√âÕ¬≈– 0.91 (2550: √âÕ¬≈– 0.95) ¢Õß¬Õ¥§ß‡À≈◊Õ¢Õß≈Ÿ°Àπ’È¥—ß°≈à“« ‚¥¬‰¡àÀ—°À≈—°ª√–°—π´÷Ëß Ÿß°«à“Õ—μ√“√âÕ¬≈– 0.53 ´÷Ëß‡ªìπÕ—μ√“ §«“¡‡ ’¬À“¬‡©≈’Ë¬®“°°“√‡°Á∫Àπ’È®π∂÷ß 31 ∏—π«“§¡ 2551 ¢Õß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ§ß‡À≈◊Õ ≥ «—π ‘Èπªï 2544 ∂÷ßªï 2548 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ¬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√–¡“≥ 45.91 ≈â“π∫“∑ (2550: 42.81 ≈â“π∫“∑) ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑¬àÕ¬√«¡∑—Èß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡·≈–≈Ÿ°Àπ’È ®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß‡ªìπÀπ’È∑’Ë‡°‘¥®“° ‘π‡™◊ËÕ‡æ◊ËÕ°“√æ“≥‘™¬å (Commercial loan) ∫√‘…—∑¬àÕ¬‰¥â∫—π∑÷°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß≈Ÿ°Àπ’¥È ß— °≈à“«‚¥¬æ‘®“√≥“®“° ∂“π–·≈–§«“¡ “¡“√∂„π°“√™”√–Àπ’¢È Õß≈Ÿ°Àπ’·È ≈–¡Ÿ≈§à“À≈—°ª√–°—π

6.5

≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ∫√‘…—∑œ‰¥âπ” ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ (°àÕπÀ—°¥Õ°º≈ ‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”π«π 5,370.93 ≈â“π∫“∑ ·≈– 4,389.82 ≈â“π∫“∑ μ“¡≈”¥—∫ ‰ª§È”ª√–°—π«ß‡ß‘π ‘π‡™◊ËÕ∑’Ë‰¥â√—∫®“°∏π“§“√æ“≥‘™¬åμ“¡∑’Ë°≈à“«‰«â „πÀ¡“¬‡Àμÿ 16 ·≈– 18

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

6.6

≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â ( ÿ∑∏‘®“° ¥Õ°º≈‡™à“´◊ÈÕ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”π«π√«¡ 85.12 ≈â“π∫“∑·≈– 50.11 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ: 74.22 ≈â“π∫“∑ ·≈– 29.54 ≈â“π∫“∑ μ“¡≈”¥—∫)

6.7

—≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’√–¬–‡«≈“μ“¡ —≠≠“‚¥¬ª√–¡“≥ 36 - 48 ‡¥◊Õπ ·≈–¡’°”Àπ¥°“√®à“¬ §à“ß«¥‡∑à“°—π∑ÿ°ß«¥

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π 7.1 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ª√–°Õ∫¥â«¬ (Àπà«¬: ∫“∑)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π À—°: ¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π - ÿ∑∏‘

7.2

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ∑’∂Ë ß÷ °”Àπ¥™”√–¿“¬„πÀπ÷ßË ªï 2551 2550 419,361,670 383,245,058 (54,835,322) (53,655,863) 364,526,348 329,589,195 (9,018,269) (11,190,094) 355,508,079 318,399,101

ß∫°“√‡ß‘π√«¡ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï 2551 2550 405,464,380 395,649,956 (31,223,688) (32,907,532) 374,240,692 362,742,424 (6,800,698) (4,881,336) 367,439,994 357,861,088

√«¡ 2551 824,826,050 (86,059,010) 738,767,040 (15,818,967) 722,948,073

2550 778,895,014 (86,563,395) 692,331,619 (16,071,430) 676,260,189

≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ( ÿ∑∏‘®“°¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”·π° μ“¡Õ“¬ÿÀπ’È‰¥â¥—ßπ’È (Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ Õ“¬ÿÀπ’È§â“ß™”√– 2551 2550 ¬—ß‰¡à§√∫°”Àπ¥™”√– 707,652,040 666,623,910 §â“ß™”√– 1 ß«¥ - 3 ß«¥ 15,480,245 12,695,444 4 ß«¥ - 6 ß«¥ 5,759,385 389,678 7 ß«¥ - 12 ß«¥ 3,567,126 3,976,325 ‡°‘π°«à“ 12 ß«¥¢÷Èπ‰ª 6,308,244 8,646,262 √«¡ 738,767,040 692,331,619 À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (15,818,967) (16,071,430) ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π - ÿ∑∏‘ 722,948,073 676,260,189

62 √“¬ß“πª√–®”ªï 2551

7.3

≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ®”π«π‡ß‘π¢—ÈπμË”∑’ËμâÕß®à“¬μ“¡ —≠≠“‡™à“°“√‡ß‘π ·≈–¡Ÿ≈§à“ªí®®ÿ∫—π¢Õß ®”π«π‡ß‘π¢—ÈπμË”∑’Ë≈Ÿ°Àπ’ÈμâÕß®à“¬μ“¡ —≠≠“‡™à“°“√‡ß‘π· ¥ß‰¥â¥—ßπ’È (Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ 2551 2550 ®”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 419,361,670 364,526,348 383,245,058 329,589,195 ‡°‘πÀπ÷Ëßªï·μà‰¡à‡°‘πÀâ“ªï 405,464,380 374,240,692 395,649,956 362,742,424 √«¡ 824,826,050 738,767,040 778,895,014 692,331,619 À—°: ¥Õ°‡∫’È¬∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â (86,059,010) (86,563,395) ‡ß‘π≈ß∑ÿπ¢—Èπμâπμ“¡ —≠≠“‡™à“°“√‡ß‘π ÿ∑∏‘ 738,767,040 692,331,619

7.4

≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â ( ÿ∑∏‘®“°¥Õ°‡∫’È¬ ∑’Ë¬—ß‰¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”π«π√«¡ 3.51 ≈â“π∫“∑ ·≈– 8.50 ≈â“π∫“∑ μ“¡≈”¥—∫

7.5

—≠≠“‡™à“°“√‡ß‘π¢Õß∫√‘…—∑¬àÕ¬¡’√–¬–‡«≈“μ“¡ —≠≠“‚¥¬ª√–¡“≥ 36 - 48 ‡¥◊Õπ ·≈–¡’°”Àπ¥°“√®à“¬§à“ß«¥‡∑à“ °—π∑ÿ°ß«¥

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 8.1 ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ª√–°Õ∫¥â«¬ (Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß ∑’Ë∂÷ß°”Àπ¥™”√–„πÀπ÷Ëßªï ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï

2551 2550 ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 1,049,071,696 996,570,297 À—°: ‡®â“Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß (239,683,625) (205,250,876) À—°: ¥Õ°‡∫’È¬√—∫√Õμ—¥∫—≠™’ (990,158) 809,388,071 790,329,263 À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (24,391,949) (23,356,930) ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ 784,996,122 766,972,333

2551 5,940,480 5,940,480 (31,683) 5,908,797

√«¡

2550 2551 2550 7,154,400 1,055,012,176 1,003,724,697 - (239,683,625) (205,250,876) (282,364) (1,272,522) 6,872,036 815,328,551 797,201,299 (230,036) (24,423,632) (23,586,966) 6,642,000 790,904,919 773,614,333

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

8.2

≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ ®”·π°μ“¡Õ“¬ÿÀπ’È‰¥â¥—ßπ’È (Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ Õ“¬ÿÀπ’È§â“ß™”√– 2551 2550 ¬—ß‰¡à§√∫°”Àπ¥™”√– 749,092,643 734,375,065 §â“ß™”√– 1 ‡¥◊Õπ - 3 ‡¥◊Õπ 45,782,850 41,418,738 4 ‡¥◊Õπ - 6 ‡¥◊Õπ 205,440 3,317,492 7 ‡¥◊Õπ - 12 ‡¥◊Õπ 1,752,000 530,277 ‡°‘π°«à“ 12 ‡¥◊Õπ¢÷Èπ‰ª 18,495,618 17,559,727 √«¡ 815,328,551 797,201,299 À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (24,423,632) (23,586,966) ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ÿ∑∏‘ 790,904,919 773,614,333 8.3

≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â ( ÿ∑∏‘®“°‡®â“Àπ’È ®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·≈–¥Õ°‡∫’È¬√—∫√Õμ—¥∫—≠™’) ®”π«π 19.65 ≈â“π∫“∑ ·≈– 23.25 ≈â“π∫“∑ μ“¡≈”¥—∫

≈Ÿ°Àπ’‡È ß‘π„Àâ°¬Ÿâ ¡◊ 9.1 ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡· ¥ß‰¥â¥—ßπ’È (Àπà«¬: ∫“∑)

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ - ÿ∑∏‘

ß∫°“√‡ß‘π√«¡ ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ ∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï 2550 2551 2550 2551 23,623,869 58,378,057 5,470,385 (1,129,911) (1,397,174) (43,764) 22,493,958 56,980,883 5,426,621 -

√«¡ 2551 2550 29,094,254 58,378,057 (1,173,675) (1,397,174) 27,920,579 56,980,883

(Àπà«¬: ∫“∑) ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ ∑’∂Ë ß÷ °”Àπ¥™”√–¿“¬„πÀπ÷ßË ªï 2551 2550

≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ - ÿ∑∏‘

64 √“¬ß“πª√–®”ªï 2551

18,634,438 47,918,241 (1,089,996) (1,344,875) 17,544,442 46,573,366

ß∫°“√‡ß‘π‡©æ“–°‘®°“√ ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëßªï 2551 2550

√«¡ 2551

2550

18,634,438 47,918,241 (1,089,996) (1,344,875) 17,544,442 46,573,366

9.2

≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡®”·π°μ“¡Õ“¬ÿÀπ’È‰¥â¥—ßπ’È

Õ“¬ÿÀπ’È§â“ß™”√– ¬—ß‰¡à§√∫°”Àπ¥™”√– §â“ß™”√– 1 ß«¥ - 3 ß«¥ 4 ß«¥ - 6 ß«¥ 7 ß«¥ - 12 ß«¥ ‡°‘π°«à“ 12 ß«¥¢÷Èπ‰ª √«¡ À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ - ÿ∑∏‘

ß∫°“√‡ß‘π√«¡ 2551 2550 26,458,796 57,486,625

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2551 2550 15,998,980 47,026,809

1,095,979 1,156,066 123,586 259,827 29,094,254 (1,173,675) 27,920,579

1,095,979 1,156,066 123,586 259,827 18,634,438 (1,089,996) 17,544,442

351,543 285,149 90,428 164,312 58,378,057 (1,397,174) 56,980,883

351,543 285,149 90,428 164,312 47,918,241 (1,344,875) 46,573,366

10. ‘π∑√—æ¬å√Õ°“√¢“¬ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ‘π∑√—æ¬å√Õ°“√¢“¬· ¥ß‰¥â¥—ßπ’È ß∫°“√‡ß‘π√«¡ 2550 2551 34,750,570 26,855,088 (9,404,452) (10,078,953) 25,346,118 16,776,135

‘π∑√—æ¬å¬÷¥§◊π À—°: §à“‡º◊ËÕ°“√≈¥¡Ÿ≈§à“ ‘π∑√—æ¬å√Õ°“√¢“¬ - ÿ∑∏‘

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2551 2550 25,823,748 10,307,153 (6,085,430) (2,100,274) 19,738,318 8,206,879

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

∑ÿπ‡√’¬° ™”√–·≈â« 2551 (∫“∑)

2550 (∫“∑)

∫√‘…—∑ °√ÿß‡∑æ·°√π¥å ·ª´‘øî§≈’ ®”°—¥ (¡À“™π) 438,500,000 438,500,000

—¥ à«π ‡ß‘π≈ß∑ÿπ 2551 2550 (√âÕ¬≈–) (√âÕ¬≈–) 99.99

√“§“∑ÿπ 2551

2550

‡ß‘πªíπº≈√—∫√–À«à“ßªï 2551 2550

99.99 446,913,607 446,913,607 53,935,483 57,443,482

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

12. ‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ· ¥ß‰¥â¥—ßπ’È ∑ÿπ‡√’¬° ™”√–·≈â« (∫“∑)

≈—°…≥–∏ÿ√°‘®

‡ß‘π≈ß∑ÿπ∑—Ë«‰ª ∫√‘…—∑ ∫“ß°Õ°§≈—∫ ®”°—¥ ®”Àπà“¬Õ“À“√·≈–‡§√◊ËÕß¥◊Ë¡ 450,000,000 À—°: §à“‡º◊ËÕ°“√¥âÕ¬§à“‡ß‘π≈ß∑ÿπ √«¡‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ - ÿ∑∏‘

—¥ à«π ‡ß‘π≈ß∑ÿπ (√âÕ¬≈–) 0.14

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ 2551 2550

1,140,000 (828,960) 311,040

1,140,000 (811,680) 328,320

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

∑’Ë¥‘π √“§“∑ÿπ 31 ∏—π«“§¡ 2550 ´◊ÈÕ‡æ‘Ë¡ ‚Õπ¡“®“° ‘π∑√—æ¬å√Õ°“√¢“¬ ®”Àπà“¬ 31 ∏—π«“§¡ 2551 §à“‡ ◊ËÕ¡√“§“ – ¡ 31 ∏—π«“§¡ 2550 §à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï §à“‡ ◊ËÕ¡√“§“ – ¡ ”À√—∫ à«π∑’®Ë ”Àπà“¬ 31 ∏—π«“§¡ 2551 ¡Ÿ≈§à“ ÿ∑∏‘μ“¡∫—≠™’ 31 ∏—π«“§¡ 2550 31 ∏—π«“§¡ 2551 §à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï 2550 2551

66 √“¬ß“πª√–®”ªï 2551

Õ“§“√

ß∫°“√‡ß‘π√«¡ ‡§√◊ËÕßμ°·μàß μ‘¥μ—ßÈ ·≈– Õÿª°√≥å ¬“πæ“Àπ–

√«¡

2,430,000 2,430,000

6,770,000 6,770,000

78,898,086 36,011,283 124,109,369 5,866,740 25,121 5,891,861 - 1,599,015 1,599,015 (1,367,000) (2,227,191) (3,594,191) 83,397,826 35,408,228 128,006,054

4,423,070 338,500 4,761,570

60,758,143 21,404,944 7,340,985 5,261,879 (1,248,988) (1,876,587) 66,850,140 24,790,236

86,586,157 12,941,364 (3,125,575) 96,401,946

2,430,000 2,430,000

2,346,930 2,008,430

18,139,943 16,547,686

37,523,212 31,604,108

14,606,339 10,617,992

13,249,759 12,941,364

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√ ‡§√◊ËÕßμ°·μàß μ‘¥μ—ßÈ ·≈– Õ“§“√ Õÿª°√≥å ¬“πæ“Àπ–

√«¡

2,430,000 2,430,000

6,770,000 6,770,000

59,007,012 5,516,707 (929,770) 63,593,949

21,243,587 1,240,136 (620,136) 21,863,587

89,450,599 5,516,707 1,240,136 (1,549,906) 94,657,536

4,423,070 338,500 4,761,570

44,578,886 6,132,405 (811,776) 49,899,515

13,778,590 3,098,115 (550,325) 16,326,380

62,780,546 9,569,020 (1,362,101) 70,987,465

2,430,000 2,430,000

2,346,930 2,008,430

14,428,126 13,694,434

7,464,997 5,537,207

26,670,053 23,670,071 9,949,184 9,569,020

≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’Õÿª°√≥å®”π«πÀπ÷Ëß´÷Ëßμ—¥§à“‡ ◊ËÕ¡√“§“À¡¥·≈â« ·μà¬—ß„™âß“πÕ¬Ÿà √“§“∑ÿπ¢ÕßÕÿª°√≥å¥—ß°≈à“«¡’®”π«π‡ß‘πª√–¡“≥ 58.69 ≈â“π∫“∑ ·≈– 52.54 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ: 41.77 ≈â“π∫“∑ ·≈– 34.49 ≈â“π∫“∑ μ“¡≈”¥—∫)

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

14. ‘π∑√—æ¬å ‰¡à¡’μ—«μπ ß∫°“√‡ß‘π√«¡ ‚ª√·°√¡ ‚ª√·°√¡ §Õ¡æ‘«‡μÕ√å §Õ¡æ‘«‡μÕ√å √–À«à“ßμ‘¥μ—Èß √“§“∑ÿπ 31 ∏—π«“§¡ 2550 ´◊ÈÕ‡æ‘Ë¡ ‚Õπ‡¢â“ ‚ÕπÕÕ° 31 ∏—π«“§¡ 2551 §à“μ—¥®”Àπà“¬ – ¡ 31 ∏—π«“§¡ 2550 §à“μ—¥®”Àπà“¬ ”À√—∫ªï 31 ∏—π«“§¡ 2551 ¡Ÿ≈§à“ ÿ∑∏‘ ”À√—∫ªï 31 ∏—π«“§¡ 2550 31 ∏—π«“§¡ 2551 §à“μ—¥®”Àπà“¬ ”À√—∫ªï 2550 2551

√«¡

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

2,155,000 17,712,298 19,867,298 1,223,000 14,169,609 15,392,609 775,680 775,680 775,680 775,680 14,169,609 - 14,169,609 14,169,609 - 14,169,609 - (14,169,609) (14,169,609) - (14,169,609) (14,169,609) 17,100,289 3,542,689 20,642,978 16,168,289 - 16,168,289 217,272 616,258 833,530

217,272 616,258 833,530

115,899 523,059 638,958

1,937,728 16,266,759

17,712,298 3,542,689

19,650,026 19,809,448

1,107,101 15,529,331

14,169,609 -

15,276,710 15,529,331

207,674 616,258

114,472 523,059

15. ‘π∑√—æ¬å ‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ —≠≠“‡™à“°“√‡ß‘π·≈– ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß®”π«π√«¡ 95.72 ≈â“π∫“∑ ·≈– 73.74 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ®”π«π 23.83 ≈â“π∫“∑ ·≈– 17.76 ≈â“π∫“∑ μ“¡≈”¥—∫) ´÷Ëß»“≈‰¥âæ‘æ“°…“„Àâ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬™π–§¥’ ·≈–∫√‘…∑— œ·≈–∫√‘…∑— ¬àÕ¬Õ¬Ÿ√à –À«à“ß°“√μ‘¥μ“¡‡æ◊ÕË √—∫™”√–Àπ’®È “°≈Ÿ°Àπ’‡È À≈à“π—πÈ ‚¥¬∫—π∑÷°‰«â „π ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬πÕ◊πË „π ß∫¥ÿ≈ ∫√‘…—∑œ‰¥âμ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‰«â‡μÁ¡®”π«π ”À√—∫≈Ÿ°Àπ’È¥—ß°≈à“«‚¥¬‰¡àÀ—°À≈—°ª√–°—π à«π∫√‘…—∑¬àÕ¬‰¥âμ—Èß§à“ ‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‡μÁ¡®”π«π¿“¬À≈—ß®“°À—°À≈—°ª√–°—π·≈â«

68 √“¬ß“πª√–®”ªï 2551

16. ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∏π“§“√ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ª√–°Õ∫¥â«¬

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

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2551 2550 2551 2550 31,655,993 75,941,886 29,566,928 58,729,823 5,530,942,890 5,595,998,695 4,230,000,000 4,015,000,000 5,562,598,883 5,671,940,581 4,259,566,928 4,073,729,823

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ‡ªìπ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑®“° ∂“∫—π°“√‡ß‘πÀ≈“¬·Ààß ´÷Ëß§‘¥¥Õ°‡∫’È¬„πÕ—μ√“≈Õ¬μ—«·≈–§ß∑’Ë‚¥¬ Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ¥—ß°≈à“«¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®“°∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) ‡ªìπ‡ß‘π°Ÿâ¬◊¡∑’Ë ‰¡à¡’À≈—°ª√–°—π à«π‡ß‘π°Ÿâ¬◊¡Õ◊Ëπ§È”ª√–°—π‚¥¬ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑œμ“¡∑’Ë°≈à“« „πÀ¡“¬‡Àμÿ¢âÕ 6.5 ·≈–§È”ª√–°—π‚¥¬∫√‘…—∑ ‰ø·ππ´å‡™’¬≈«—π §Õ√åªÕ‡√™—Ëπ (2550: ‡ß‘π°Ÿâ¬◊¡®“°∏π“§“√ °√ÿß‡∑æ ®”°—¥ (¡À“™π) ‡ªìπ‡ß‘π°Ÿâ¬◊¡∑’Ë‰¡à¡’À≈—°ª√–°—π à«π‡ß‘π°Ÿâ¬◊¡Õ◊Ëπ§È”ª√–°—π‚¥¬ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑œ μ“¡∑’Ë°≈à“«„πÀ¡“¬‡Àμÿ¢âÕ 6.5 Standby Letter of Credit ®“°∏π“§“√æ“≥‘™¬åμà“ßª√–‡∑»∑’Ë‡°’Ë¬«¢âÕß°—π·ÀàßÀπ÷Ëß·≈– §È”ª√–°—π‚¥¬∫√‘…—∑ ‰™≈’ ‰ø·ππ´å ®”°—¥) 17. ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπª√–°Õ∫¥â«¬μ—Î« —≠≠“„™â‡ß‘π∑’Ë∫√‘…—∑œÕÕ°„Àâ·°à∫√‘…—∑ ·≈–∫ÿ§§≈®”π«πÀπ÷Ëß ‡ß‘π°Ÿâ¬◊¡π’È‰¡à¡’À≈—°ª√–°—π·≈–§‘¥¥Õ°‡∫’È¬„πÕ—μ√“§ß∑’Ë ‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥ 18. ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√ ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√„πª√–‡∑»®”π«π 500 ≈â“π∫“∑ §√∫°”Àπ¥™”√–∑—Èß®”π«π„π‡¥◊Õπ¡‘∂ÿπ“¬π 2554 §‘¥¥Õ°‡∫’È¬„πÕ—μ√“§ß∑’Ë ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√„πª√–‡∑»®”π«π 1,800 ≈â“π∫“∑ §√∫°”Àπ¥™”√–∑—Èß®”π«π„π‡¥◊Õπ¡‘∂ÿπ“¬π 2552 ¡’π“§¡·≈–æƒ…¿“§¡ 2553 §‘¥¥Õ°‡∫’È¬„πÕ—μ√“∑’ËÕ‘ß°—∫ THBFIX ‡ß‘π°Ÿâ¬◊¡¥—ß°≈à“«§È”ª√–°—π‚¥¬ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑œμ“¡∑’Ë°≈à“«„πÀ¡“¬‡Àμÿ¢âÕ 6.5 —≠≠“°Ÿâ¬◊¡¥—ß°≈à“«‰¥â√–∫ÿ¢âÕªØ‘∫—μ‘·≈–¢âÕ°”Àπ¥∫“ßª√–°“√´÷Ëß√«¡∂÷ß°“√¥”√ß —¥ à«π°“√∂◊ÕÀÿâπ¢ÕßºŸâ∂◊ÕÀÿâπ√“¬„À≠à ·≈–¢âÕ°”Àπ¥„π°“√®à“¬‡ß‘πªíπº≈ ∫√‘…∑— œ‰¥â∑” —≠≠“·≈°‡ª≈’¬Ë πÕ—μ√“¥Õ°‡∫’¬È ‡æ◊ÕË ‡ªìπ°“√ªÑÕß°—π§«“¡‡ ’¬Ë ß®“°Õ—μ√“¥Õ°‡∫’¬È ¢Õß ‡ß‘π°Ÿ¬â ¡◊ ‡©æ“–®”π«π 1,800 ≈â“π∫“∑ √“¬≈–‡Õ’¬¥¢Õß —≠≠“·≈°‡ª≈’Ë¬πÕ—μ√“¥Õ°‡∫’È¬· ¥ß‰«â „π À¡“¬‡Àμÿ 28.1

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

19. √“¬°“√∏ÿ√°‘®°—∫∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π „π√–À«à“ßªï ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’√“¬°“√∏ÿ√°‘®∑’Ë ”§—≠°—∫∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π √“¬°“√∏ÿ√°‘®¥—ß°≈à“« ‡ªìπ‰ªμ“¡‡ß◊ËÕπ‰¢∑“ß°“√§â“·≈–‡°≥±åμ“¡∑’Ëμ°≈ß°—π√–À«à“ß∫√‘…—∑œ·≈–∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π‡À≈à“π—Èπ ´÷Ëß‡ªìπ‰ª μ“¡ª°μ‘∏ÿ√°‘®‚¥¬ “¡“√∂ √ÿª‰¥â¥—ßπ’È (Àπà«¬: ≈â“π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ π‚¬∫“¬°“√°”Àπ¥√“§“ 2551 2550 2551 2550 ∫√‘…∑— ¬àÕ¬ √“¬‰¥â§à“∫√‘À“√®—¥°“√ - 15.26 14.74 μâπ∑ÿπ∫«°°”‰√ à«π‡æ‘Ë¡„πÕ—μ√“√âÕ¬≈– 10 √“¬‰¥â§à“∏√√¡‡π’¬¡§È”ª√–°—π 1.00 0.44 √âÕ¬≈– 0.5 μàÕªï ¥Õ°‡∫’È¬®à“¬ 4.47 - „°≈â‡§’¬ß°—∫Õ—μ√“¥Õ°‡∫’È¬¢Õß‡ß‘π°Ÿâ¬◊¡Õ◊Ëπ∑’Ë¡’ ‡ß◊ËÕπ‰¢„°≈â‡§’¬ß°—π ∫ÿ§§≈·≈–°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π §à“‡™à“·≈–∫√‘°“√ Õ—μ√“„°≈â‡§’¬ß°—∫æ◊Èπ∑’Ë‡™à“„πÕ“§“√Õ◊Ëπ∑’Ë¡’ ∑”‡≈∑’Ëμ—Èß‡¥’¬«°—π °Õß∑ÿπ√«¡ “∏√´‘μ’È∑“«‡«Õ√å 14.30 13.59 11.15 10.66 °Õß∑ÿπ√«¡∫“ß°Õ°°“√å‡¥π∑å 0.60 0.60 0.60 0.60 14.90 14.19 11.75 11.26 §à“‡∫’È¬ª√–°—π¿—¬ „°≈â‡§’¬ß°—∫Õ—μ√“‡∫’È¬ª√–°—π¿—¬∑—Ë«‰ª ∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) 1.14 1.23 0.88 0.92 ¥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) 203.66 146.72 135.78 104.02 Mr. Jeffrey Koo 1.19 Õ◊ËπÊ 1.71 2.28 205.37 150.19 135.78 104.02 §à“∏√√¡‡π’¬¡ Standby Letter of „°≈â‡§’¬ß°—∫Õ—μ√“§È”ª√–°—π¢Õß‡ß‘π°Ÿâ¬◊¡Õ◊Ëπ Credit ·≈–°“√§È”ª√–°—π ∑’Ë¡’‡ß◊ËÕπ‰¢„°≈â‡§’¬ß°—π China Trust Commercial Bank 0.02 14.01 0.01 10.96 ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 0.91 0.90 0.93 14.91 0.01 10.96 ºŸâ∂◊ÕÀÿâπ„À≠à §à“∏√√¡‡π’¬¡§È”ª√–°—π 3.89 1.60 2.97 1.60 √âÕ¬≈– 1 μàÕªï ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß°≈ÿà¡∫√‘…—∑ §à“∏√√¡‡π’¬¡§È”ª√–°—π 0.16 0.16 - √âÕ¬≈– 1 μàÕªï

70 √“¬ß“πª√–®”ªï 2551

≈—°…≥–§«“¡ —¡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 ∫√‘…—∑ ‰ø·ππ´å‡™’¬≈«—π §Õ√åªÕ‡√™—Ëπ ®”°—¥ ∫√‘…—∑ ‰™≈’ ‰ø·ππ´å ®”°—¥ ∫√‘…—∑ °√ÿß‡∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) ∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) Mr. Jeffrey Koo °Õß∑ÿπ√«¡ “∏√´‘μ’È∑“«‡«Õ√å °Õß∑ÿπ√«¡∫“ß°Õ°°“√å‡¥âπ China Trust Commercial Bank

§«“¡ —¡æ—π∏å°—∫∫√‘…—∑œ ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß°≈ÿà¡∫√‘…—∑ ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑œ ∫√‘…∑— ¬àÕ¬ ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ ºŸâ°àÕμ—Èß∏ÿ√°‘®¢Õß°≈ÿà¡μ√–°Ÿ≈§Ÿ °‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ °‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ ∫√‘…—∑∑’Ë‡°’Ë¬«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑œ

§à“μÕ∫·∑π°√√¡°“√·≈–ºŸâ∫√‘À“√ „πªï 2551 ·≈– 2550 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¥â®à“¬‡ß‘π‡¥◊Õπ ‚∫π— §à“‡∫’È¬ª√–™ÿ¡·≈–‡ß‘π∫”‡ÀπÁ®„Àâ·°à°√√¡°“√ ·≈–ºŸâ∫√‘À“√‡ªìπ®”π«π‡ß‘π 34.20 ≈â“π∫“∑ ·≈– 33.13 ≈â“π∫“∑ μ“¡≈”¥—∫ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’¬Õ¥§ß‡À≈◊Õ∑’Ë¡’ “√– ”§—≠¢Õß ‘π∑√—æ¬å·≈–Àπ’È ‘π∑’Ë ‡°’Ë¬«¢âÕß°—∫∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π¥—ßπ’È (Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2551 2550 2551 2550 ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 53,318,073 35,038,466 19,946,320 14,564,506 §à“∏√√¡‡π’¬¡®à“¬≈à«ßÀπâ“ ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 253,973 249,041 China Trust Commercial Bank 19,506 9,363 √«¡ 253,973 268,547 9,363 §à“‡∫’È¬ª√–°—π®à“¬≈à«ßÀπâ“ ∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) 292,117 605,332 61,567 335,300 ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ ®“° ∂“∫—π°“√‡ß‘π ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) 2,511,655,993 2,335,941,886 1,439,566,928 1,548,729,823 ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π ∫√‘…—∑ °√ÿß‡∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) 60,000,000 60,000,000 -

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

ß∫°“√‡ß‘π√«¡ 2551 2550 ‡®â“Àπ’È°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) ∫√‘…—∑ ‰™≈’ ‰ø·ππ´å ®”°—¥ ∫√‘…—∑ ‰ø·ππ´å‡™’¬≈«—π §Õ√åªÕ‡√™—Ëπ ®”°—¥ √«¡

17,008,926 3,890,716 156,367 21,056,009

7,256,973 1,595,089 8,852,062

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2551 2550 7,410,036 2,967,402 156,367 10,533,805

4,717,260 1,595,089 6,312,349

≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π‡ªìπ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑ ‰¡à¡’À≈—°ª√–°—π·≈–§‘¥¥Õ°‡∫’È¬„πÕ—μ√“§ß∑’Ë‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥ ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π· ¥ß‰¥â¥—ßπ’È ß∫°“√‡ß‘π√«¡ 2551 2550 ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) √«¡ À—°: à«π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï ÿ∑∏‘

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2551 2550

2,000,000,000 1,400,000,000 1,500,000,000 1,200,000,000 2,000,000,000 1,400,000,000 1,500,000,000 1,200,000,000 - (1,000,000,000) - (1,000,000,000) 2,000,000,000 400,000,000 1,500,000,000 200,000,000

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π¥—ß°≈à“«‡ªìπ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑·≈–‰¡à¡’À≈—°ª√–°—π ‚¥¬¡’√“¬≈–‡Õ’¬¥¥—ßπ’È °) ‡ß‘π°Ÿâ¬◊¡®”π«π 1,000 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πμâπ∑—Èß®”π«π¿“¬„π‡¥◊Õπ°—π¬“¬π 2551 §‘¥¥Õ°‡∫’È¬„πÕ—μ√“ §ß∑’Ë ‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥ ™”√–¥Õ°‡∫’È¬∑ÿ° ‘Èπ‡¥◊Õπ ¢) ‡ß‘π°Ÿâ¬◊¡®”π«π 400 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πμâπ∑—Èß®”π«π¿“¬„π‡¥◊Õπ ‘ßÀ“§¡ 2553 §‘¥¥Õ°‡∫’È¬ ”À√—∫ªï ·√°„πÕ—μ√“§ß∑’Ë‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’¬È „πμ≈“¥·≈–„πÕ—μ√“≈Õ¬μ—« ”À√—∫ªï∑ ’Ë Õß·≈– “¡ ™”√–¥Õ°‡∫’¬È ∑ÿ° ‘πÈ ‡¥◊Õπ (‡©æ“–∫√‘…—∑œ: 200 ≈â“π∫“∑) §) ‡ß‘π°Ÿâ¬◊¡®”π«π 1,600 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πμâπ∑—Èß®”π«π„π‡¥◊Õπ ‘ßÀ“§¡ 2553 §‘¥¥Õ°‡∫’È¬„πÕ—μ√“§ß∑’Ë ‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥ ™”√–¥Õ°‡∫’È¬∑ÿ° ‘Èπ‡¥◊Õπ (‡©æ“–∫√‘…—∑œ: 1,300 ≈â“π∫“∑) ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ·≈–√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π¡’°“√‡§≈◊ËÕπ‰À«„π√–À«à“ßªï¥—ßπ’È (Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 1 ¡°√“§¡ 2551 ‡æ‘Ë¡¢÷Èπ (≈¥≈ß) √–À«à“ßªï ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551

72 √“¬ß“πª√–®”ªï 2551

60,000,000 60,000,000

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√

ß∫°“√‡ß‘π√«¡ ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 1 ¡°√“§¡ 2551 ≈¥≈ß√–À«à“ßªï ‡æ‘Ë¡¢÷Èπ√–À«à“ßªï ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551

1,400,000,000 (1,000,000,000) 1,600,000,000 2,000,000,000

1,200,000,000 (1,000,000,000) 1,300,000,000 1,500,000,000

¿“√–ºŸ°æ—π·≈–¿“√–§È”ª√–°—π°—∫°‘®°“√∑’Ë‡°’Ë¬«¢âÕß°—π ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ∫√‘…—∑œ¡’¿“√–§È”ª√–°—π‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ„Àâ·°à∫√‘…—∑¬àÕ¬ „π«ß‡ß‘π®”π«π 200 ≈â“π∫“∑ 20. ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥„πß∫°√–· ‡ß‘π ¥ª√–°Õ∫¥â«¬ (Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2551 2550 2551 2550 ‡ß‘π ¥·≈–‡ß‘πΩ“° ∂“∫—π°“√‡ß‘π 61,100,218 43,735,702 27,008,382 22,319,820 À—°: ‡ß‘π‡∫‘°‡°‘π∫—≠™’∏π“§“√ (31,655,992) (75,941,886) (29,566,928) (58,729,823) ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ 29,444,226 (32,206,184) (2,558,546) (36,410,003) 21. ”√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 22. §à“„™â®“à ¬μ“¡≈—°…≥– √“¬°“√§à“„™â®à“¬μ“¡≈—°…≥–ª√–°Õ∫¥â«¬√“¬°“√§à“„™â®à“¬∑’Ë ”§—≠¥—ßμàÕ‰ªπ’È

‡ß‘π‡¥◊Õπ·≈–§à“·√ß·≈–º≈ª√–‚¬™πåÕ◊Ëπ¢Õßæπ—°ß“π §à“‡ ◊ËÕ¡√“§“ §à“μ—¥®”Àπà“¬ §à“‡™à“®à“¬

ß∫°“√‡ß‘π√«¡ 2551 2550 235,589,459 198,524,924 12,941,364 13,249,759 616,258 207,674 20,999,206 19,403,324

(Àπà«¬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–°‘®°“√ 2551 2550 189,249,305 157,713,862 9,569,020 9,949,184 523,059 114,472 16,661,761 15,560,267

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

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Õπÿ¡—μ‘‚¥¬ ∑’Ëª√–™ÿ¡ “¡—≠ºŸâ∂◊ÕÀÿâπª√–®”ªï‡¡◊ËÕ «—π∑’Ë 25 ‡¡…“¬π 2550 ∑’Ëª√–™ÿ¡ “¡—≠ºŸâ∂◊ÕÀÿâπª√–®”ªï‡¡◊ËÕ «—π∑’Ë 25 ‡¡…“¬π 2551

‡ß‘πªíπº≈®à“¬ 80,500,000 115,000,000

(Àπà«¬: ∫“∑) ‡ß‘πªíπº≈®à“¬μàÕÀÿâπ 0.35 0.50

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74 √“¬ß“πª√–®”ªï 2551

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

(Àπà«¬: ≈â“π∫“∑) ß∫°“√‡ß‘π√«¡ 2550 Õ—μ√“¥Õ°‡∫’È¬ ª√—∫¢÷Èπ≈ßμ“¡ ‰¡à¡’ √“§“μ≈“¥ Õ—μ√“¥Õ°‡∫’È¬

Õ—μ√“¥Õ°‡∫’È¬§ß∑’Ë ¿“¬„π ¡“°°«à“ 1 1 ªï ∂÷ß 5 ªï ‘π∑√—æ¬å∑“ß°“√‡ß‘π - ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ - ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ - ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π - ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß - ≈Ÿ°Àπ’È‡ß‘π„Àâ°Ÿâ¬◊¡ Àπ’È ‘π∑“ß°“√‡ß‘π - ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ ®“°∏π“§“√ - ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√ ∑’Ë‡°’Ë¬«¢âÕß°—π - ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ - ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√ ∑’Ë‡°’Ë¬«¢âÕß°—π - ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∏π“§“√

√«¡

3,782.65 329.59 13.40 58.38 4,184.02

5,445.21 362.74 7.15 5,815.10

31.44 776.65 808.09

12.29 12.29

43.73 9,227.86 692.33 797.20 58.38 10,819.50

5,596.00

75.94

5,671.94

60.00 50.00

1,000.00 6,706.00

400.00 400.00

1,800.00 1,875.94

1,400.00 1,800.00 8,981.94

≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 ·≈– 2550 ∫√‘…—∑œ‰¥â∑” —≠≠“·≈°‡ª≈’Ë¬πÕ—μ√“¥Õ°‡∫’È¬ (Interest Rate Swap) ´÷Ëß¡’√“¬≈–‡Õ’¬¥¥—ßπ’È «—π∑’Ë¡’º≈∫—ß§—∫ μ“¡ —≠≠“

«—π∑’Ë§√∫°”Àπ¥ ¢Õß —≠≠“

¡Ÿ≈§à“ Õ—μ√“ μ“¡ —≠≠“ ¥Õ°‡∫’È¬√—∫ (≈â“π∫“∑) (√âÕ¬≈–) 18 æƒ»®‘°“¬π 2548 18 æƒ»®‘°“¬π 2551 400 ≈Õ¬μ—« 29 ¡‘∂ÿπ“¬π 2549

29 ¡‘∂ÿπ“¬π 2552

600

≈Õ¬μ—«

29 ¡‘∂ÿπ“¬π 2549

29 ¡‘∂ÿπ“¬π 2552

200

≈Õ¬μ—«

14 ¡°√“§¡ 2551 15 ¡°√“§¡ 2551

19 ¡’π“§¡ 2553 11 æƒ…¿“§¡ 2553

500 500

≈Õ¬μ—« ≈Õ¬μ—«

76 √“¬ß“πª√–®”ªï 2551

¡Ÿ≈§à“¬ÿμ∏‘ √√¡ ÿ∑∏‘¥“â π °“√‡ª≈’Ë¬π·ª≈ß ‘π∑√—æ¬å/(¥â“πÀπ’È ‘π) ¢Õß¡Ÿ≈§à“ 2551 2550 ¬ÿμ‘∏√√¡ (≈â“π∫“∑) (≈â“π∫“∑) (≈â“π∫“∑) (11.22) 11.22

Õ—μ√“ ¥Õ°‡∫’¬È ®à“¬ (√âÕ¬≈–) §ß∑’Ëªï·√° ≈Õ¬μ—«ªï∑’Ë Õß·≈– “¡ §ß∑’Ëªï·√° (1.39) ≈Õ¬μ—«ªï∑’Ë Õß·≈– “¡ §ß∑’Ëªï·√° (0.46) ≈Õ¬μ—«ªï∑’Ë Õß·≈– “¡ §ß∑’Ë (14.82) §ß∑’Ë (16.08)

(3.04)

1.65

(1.02)

0.56

(14.82) (16.08)

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

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

§«“¡‡ ’Ë¬ß®“°Õ—μ√“·≈°‡ª≈’Ë¬π ∫√‘…—∑¬àÕ¬¡’§«“¡‡ ’Ë¬ß®“°Õ—μ√“·≈°‡ª≈’Ë¬π‡ß‘πμ√“μà“ßª√–‡∑»∑’Ë‡°’Ë¬«°—∫¿“√–°“√§È”ª√–°—πμ“¡∑’Ë°≈à“«„π À¡“¬‡Àμÿ 27 28.2 ¡Ÿ≈§à“¬ÿμ‘∏√√¡ «‘∏’°“√°”Àπ¥¡Ÿ≈§à“¬ÿμ‘∏√√¡¢÷ÈπÕ¬Ÿà°—∫≈—°…≥–¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π „π°√≥’¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π∑’Ë¡’ °“√´◊ÈÕ¢“¬„πμ≈“¥ ¡Ÿ≈§à“¬ÿμ‘∏√√¡®–°”Àπ¥®“°√“§“μ≈“¥≈à“ ÿ¥ ·μàÀ“°‰¡à “¡“√∂À“√“§“μ≈“¥∑’Ë‡À¡“– ¡‰¥â ¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π®–°”Àπ¥¢÷Èπ‚¥¬„™â‡°≥±å°“√«—¥¡Ÿ≈§à“∑’Ë‡À¡“– ¡ ‡™àπ °“√§”π«≥¡Ÿ≈§à“ ªí®®ÿ∫—π¢Õß°√–· ‡ß‘π ¥ ‡ªìπμâπ ‡π◊ËÕß®“° ‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π à«π„À≠à¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®—¥Õ¬Ÿà „πª√–‡¿∑√–¬– —Èπ ‡ß‘π„Àâ °Ÿâ¬◊¡·≈–‡ß‘π°Ÿâ¬◊¡¡’Õ—μ√“¥Õ°‡∫’È¬„°≈â‡§’¬ß°—∫Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®÷ßª√–¡“≥¡Ÿ≈§à“¬ÿμ‘∏√√¡ ¢Õß ‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π„°≈â‡§’¬ß°—∫¡Ÿ≈§à“μ“¡∫—≠™’∑’Ë· ¥ß„πß∫¥ÿ≈ 28.3 °“√∫√‘À“√®—¥°“√∑ÿπ «—μ∂ÿª√– ß§å „π°“√∫√‘À“√®—¥°“√∑ÿπ∑’ Ë ”§—≠¢Õß°≈ÿ¡à ∫√‘…∑— §◊Õ °“√®—¥„Àâ¡´’ ß÷Ë ‚§√ß √â“ß∑“ß°“√‡ß‘π∑’‡Ë À¡“– ¡ ·≈–°“√¥”√ß‰«â´÷Ëß§«“¡ “¡“√∂„π°“√¥”‡π‘π∏ÿ√°‘®Õ¬à“ßμàÕ‡π◊ËÕß μ“¡ß∫¥ÿ≈ ≥ «—π∑’Ë 31 ∏—π«“§¡ 2551 °≈ÿà¡∫√‘…—∑¡’Õ—μ√“ à«πÀπ’È ‘πμàÕ∑ÿπ‡∑à“°—∫ 5.9:1 (2550: 5.5:1) ·≈– ∫√‘…—∑œ¡’Õ—μ√“ à«π‡∑à“°—∫ 4.9:1 (2550: 4.5:1)

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

29. °“√®—¥ª√–‡¿∑√“¬°“√„πß∫°“√‡ß‘π ∫√‘…—∑œ‰¥â¡’°“√®—¥ª√–‡¿∑√“¬°“√∫—≠™’∫“ß√“¬°“√„πß∫°“√‡ß‘π ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—π«“§¡ 2550 „À¡à‡æ◊ËÕ„Àâ Õ¥§≈âÕß°—∫°“√®—¥ª√–‡¿∑√“¬°“√∫—≠™’ „πªïªí®®ÿ∫—π ´÷Ëß‰¡à¡’º≈°√–∑∫μàÕ°”‰√ ÿ∑∏‘À√◊Õ à«π¢ÕßºŸâ∂◊ÕÀÿâπ °“√®—¥ª√–‡¿∑√“¬°“√„À¡à ¡’¥—ßμàÕ‰ªπ’È (Àπà«¬: ∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–°‘®°“√ μ“¡∑’Ë μ“¡∑’Ë‡§¬ μ“¡∑’Ë μ“¡∑’Ë‡§¬ ®—¥ª√–‡¿∑„À¡à √“¬ß“π‰«â ®—¥ª√–‡¿∑„À¡à √“¬ß“π‰«â §à“π“¬Àπâ“√Õμ—¥®”Àπà“¬ 45,886,366 45,886,366 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’Ë∂÷ß°”Àπ¥ ™”√–¿“¬„πÀπ÷Ëßªï 3,720,271,940 3,696,175,483 3,172,996,636 3,148,900,179 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ à«π∑’Ë∂÷ß°”Àπ¥ ™”√–‡°‘π°«à“Àπ÷Ëßªï 5,387,996,785 5,366,206,876 5,052,488,207 5,030,698,298 √“¬‰¥â®“°¥Õ°º≈‡™à“´◊ÈÕ 779,631,402 806,368,168 675,047,650 701,784,416 ‡ß‘πªíπº≈√—∫ 49,725 57,493,207 57,443,482 √“¬‰¥âÕπ◊Ë 58,223,269 53,035,949 46,734,808 46,784,533 §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ - 351,699,130 - 278,556,739 §à“„™â®à“¬„π°“√¢“¬ 57,036,356 41,644,519 §à“„™â®à“¬„π°“√∫√‘À“√ 253,609,765 - 194,793,393 §à“„™â®à“¬∑“ß°“√‡ß‘π 440,008,757 - 359,400,397 ¥Õ°‡∫’È¬®à“¬ - 420,235,967 - 344,018,336 Àπ’È Ÿ≠·≈–Àπ’È ß —¬®– Ÿ≠ 85,047,193 85,266,695 30. °“√Õπÿ¡—μ‘ß∫°“√‡ß‘π ß∫°“√‡ß‘ππ’È‰¥â√—∫Õπÿ¡—μ‘ „ÀâÕÕ°‚¥¬§≥–°√√¡°“√∫√‘…—∑œ‡¡◊ËÕ«—π∑’Ë 25 °ÿ¡¿“æ—π∏å 2552

78 √“¬ß“πª√–®”ªï 2551

MESSAGE FROM THE BOARD OF DIRECTORS The directors have the pleasure in presenting the Company and its subsidiaryรปs annual report and audited financial statements for the year ended December 31, 2008. ECONOMY & INDUSTRY IN 2008 During the year 2008, the Thai economy declined substantially from the previous year, with GDP growth rate dropping from 4.9% in 2007 to 2.6% in 2008. Externally the economy was plagued by the high inflation caused by the surge of oil and food prices in the first half and then by the world economic recession caused by the failure of the U.S. sub-prime mortgage loans in the second half. Internally, the economy was dragged by the political instability. As a result, on the domestic demand side, diminishing consumer and investor confidence continued to retard the growth rates of private consumption and investment at 2.5% and 3.2% respectively in 2008 as compared with 1.5% and (0.5)% in 2007. On the foreign demand side, trading partnersรป economic slowdown withheld the growth rates of exports and imports at 16.8% and 26.4% respectively in 2008 as compared with 17.2% and 9.0% in 2007. Interest rates remained mostly stable in the first half of 2008 and then moved downward in the second half. The 1-day repurchase rate or reference rate averaged at 3.38% in 2008 lower than the previous yearรปs 3.77% to help stimulate the economy in the face of 5.5% inflation rate in 2008. The new vehicle sales decreased by 2.5% from 631,250 units in 2007 to 615,270 units in 2008. New pick-up and commercial car sales decreased by 17.6% and 1.9% respectively while new passenger car sales increased by 33.3%. The average industrial capacity utilization decreased from 72.6% in 2007 to 67.6% in 2008 to reflect the continuing decline of export orders. PERFORMANCE IN 2008 The Company and its subsidiary, on a consolidated basis, registered total assets of THB 11,938 million as of December 31, 2008 increasing by 9.9% from THB 10,866 million in 2007 mainly due to the portfolio growth supported by the business expansion. Internally generated funds of THB 179 million from profitable operations relieved the burden of totally relying on external borrowings to support the assets increase. The equity base expanded by 3.9% from THB 1,662 million in 2007 to THB 1,726 million in 2008 as a result of the net profit contribution. The financial leverage was increased by 11.0% from THB 9,203 million in 2007 to THB 10,211 million in 2008. The total revenues advanced by 9.1% from THB 1,051 million in 2007 to THB 1,147 million in 2008. Selling and administrative expenses increased 14.8% from THB 311 million in 2007 to THB 357 million in 2008 or equal to 29.6% of Total Revenues in 2007 versus 31.1% of that in 2008. Finance cost increased by 2.1% from THB 440 million in 2007 to THB 449 million in 2008 or equal to 41.8% of Total Revenues in 2007 versus 39.1% of that in 2008. Consequently the net profit increased by 7.5% from THB 166 million in 2007 to THB 179 million in 2008. The net profit margin and return on equity stayed at 15.6% and 10.6% in 2008 as compared with 15.8% and 10.3% in 2007 respectively. Total portfolio increased from THB 10,776 million as of December 31, 2007 to THB 11,820 million as of December 31, 2008 due to increased disbursements from business expansion. Despite the economic downturn reducing customersรป payment capability, NPLs only slightly increased from 0.77% of the total portfolio as of December 31, 2007 to 0.92% of the total portfolio at the end of 2008 reflecting good asset quality. The ratio of Allowance for Doubtful Account to NPLs was provided at 146.6% at the end of 2008. Although it declined from 196.2% at the end of 2007, it still indicated the adequacy of the Companyรปs reserve for doubtful debts.

79 Asia Sermkij Leasing Public Company Limited

CORPORATE GOVERNANCE The Board of Directors has recognized the importance of good corporate governance by establishing a policy of corporate governance in accordance with the Principles of Corporate Governance for Listed Companies of the Stock Exchange of Thailand. In addition, the Board of Directors also has encouraged the company to conscientiously comply with the policy to enhance efficiency, effectiveness, transparency, and assessability of the Company没s management. This eventually will create confidence and long-term benefits of all shareholders, investors, stakeholders and other relevant parties, and strengthen the competitiveness and the sustainable growth of the Company. 2009 BUSINESS PROSPECT AND STRATEGY In 2009, worsening world recession plus domestic political uncertainty will continue to depress Thailand没s GDP to contract at -2.5% significantly sliding from 2.6% in 2008. Both private consumption and investment are expected to register a 1.2% growth and a 6.1% decrease respectively and both exports and imports a decline of 20.5% and 33.2% respectively in 2009. The hire purchase industry is expected to undergo a decrease in business volume, following a decline of auto industry by 22% to remain 480,000 units this year. The leasing and factoring business are expected to receive an unfavorable impact from the declining industrial capacity utilization which will withhold the needs for machinery investment and working capital. Moreover, the credit crunch imposed by the banking community will increase the difficulty of funding availability for operating the business. The business strategy for 2009 is to provide our financial services including hire purchase, leasing, factoring, and floor plan to individuals and small-and-medium-sized enterprises with credit worthiness up to our more prudential credit standards. Likewise, the competitive strategy is to emphasize on quality, speed, and flexibility to differentiate our services for the selective target customers in our niche segments. For our operations in 2009, we will endeavor to hold up at the level of the year before through all the difficult challenges. Finally, the Company Board of Directors would like to convey gratitude to shareholders, customers, creditors, and employees for their support and confidence. For and on behalf of the Board of Directors.

Dr. Amnuay Viravan Chairman

80 Annual Report 2008

Mr. Lo Jun Long Managing Director

AUDIT COMMITTEEรปS REPORT To Shareholders, The Audit Committee of Asia Sermkij Leasing Public Company Limited consists of three independent and non-executive directors who have the qualification as stipulated by the Stock Exchange of Thailand, namely, 1. Mr. Pradit Sawattananond Chairman of the Audit Committee and Independent Director 2. Mr. Anant Svattananon Audit Committee and Independent Director 3. Associate Professor Dr.Supriya Kuandachakupt Audit Committee and Independent Director The Audit Committee has the role and responsibilities as designated by the Board of Directors in accordance with the terms and best practices for Audit Committees of the Stock Exchange of Thailand. During Year 2008, the Audit Committee held 4 meetings. In these meetings, coordination with the Companyรปs Management, internal auditors and external auditors were made for the discussion of the related agenda. Each member of the Audit Committee has dedicated his/her time to attend all the meetings. In the year 2008, 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 3/4 3. Associate Professor Dr.Supriya Kuandachakupt 4/4 The Audit Committee has performed the following key duties: 1. Reviewed the consolidated quarterly and annual financial statements with the external auditors to ensure that they were prepared in accordance with the generally accepted accounting principles with the 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. Reviewed the quarterly risk management report prepared by the Risk Management Committee covering credit risk, financial risk, and operational risk to ensure that the Companyรปs risk management was in an acceptable level, and consulted with the Management to improve the effectiveness of the risk management system. 3. Reviewed the internal control system with the internal auditors and external auditors to assess the adequacy and effectiveness of the Companyรปs internal control system. The Audit Committee reviewed the internal control assessment for the year 2008 in the Assessment Form of Sufficiency of Internal Control System prescribed by the Securities and Exchange Commission (SEC). The review concluded that the Companyรปs internal control system was adequate and effective.

81 Asia Sermkij Leasing Public Company Limited

8. 9.

Reviewed the compliance of the Companyûs operations with the Securities and Exchange Acts, the Stock Exchange of Thailandûs regulations and laws relating to the business of the Company. The review concluded that the Companyûs operation was in compliance with the relevant laws and regulations. Reviewed 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, the Securities and Exchange Commission and any other relevant laws. The review concluded that they were consistent with the normal business practices and all required regulations, and were reasonable for the best benefit of the Company. Considered to select, nominate and recommend the remuneration of the Companyûs external auditors in order to propose to the Board of Directors for the approval in the Shareholdersû meeting. The Audit Committee nominated the Ernst & Young Office Limited as the Companyûs external auditors for the year 2009 by considering the auditorûs independence and the performance from the previous year. In addition, the external auditors have no relations with the Company and the subsidiary. Approved the internal audit plan for the year 2009 on a risk based approach for each business functions to conform to the Companyûs strategic plan as well as followed up the suggested improvement on the audit results conducted by the Internal Audit Department to facilitate the Companyûs good internal control, risk management, and corporate governance. Acknowledged the annual audit report prepared by the internal auditors of Chailease Group, the Companyûs major shareholder, as well as followed up the improvement from their suggestions on the significant issues Conducted the self-assessment for the audit committee in accordance with the guideline of the Stock Exchange of Thailand. The Audit Committee had the opinion that the Audit Committeeûs practice was in compliance with the guideline and enhanced the Companyûs good corporate governance effectively.

The Audit Committee has performed the duties as designated by the Board of Directors with prudence and independence. In this regard, the Audit Committee concluded that the Companyûs 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 operations were in compliance with the relevant laws and regulations and the principles of good corporate governance.

(Mr. Pradit Sawattananond) Chairman of the Audit Committee

82 Annual Report 2008

Report of the Board of Directors Responsibilities for Financial Statements 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 Committee没s Report in this annual report. The Board of Directors views that the company没s internal control system provides reasonable assurance that the financial position and results of operation are presented accurately.

Dr. Amnuay Viravan Chairman

Mr. Lo Jun Long Managing Director

83 Asia Sermkij Leasing Public Company Limited

GENERAL INFORMATION THE COMPANY Company Name Address

Homepage Registration No. Business Issued and fully paid-up shares Par value Credit Rating THE SUBSIDIARY Company Name Address Business Issued and fully paid-up shares Par value REFERENCES Share Registrar Address

Auditor Address

84 Annual Report 2008

: Asia Sermkij Leasing Public Co., Ltd. : Headquarters 24th Fl., Sathorn City Tower, 175 South Sathorn Road, Tungmahamek, Sathorn, Bangkok 10120 Tel: 0-2679-6226, 0-2679-6262 Fax: 0-2679-6241-3 Rayong Branch No 6, 8 Rayong Center, Sukhumvit Road, Thapradu, Muang, Rayaong 21000 Tel: 0-3861-2185, 0-3861-7380, 0-3886-0153-5 Fax: 0-3886-0156 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 : www.ask.co.th : 0107546000393 : Hire purchase on all types of automobiles and personal loan : Ordinary shares 230,000,000 shares (as at December 31, 2008) : 5 Baht per share : BBB+ with Stable Outlook (rating by TRIS Rating Co., Ltd. on October 7, 2008)

: Bangkok Grand Pacific Lease Public Company Limited : 10/1th Fl., Sathorn City Tower, 175 South Sathorn Road, Tungmahamek, Sathorn, Bangkok 10120 Tel: 0-2679-6226, 0-2679-6262 Fax: 0-2679-6241-3 : Leasing and Hire Purchase of machinery and vehicles, Factoring Business : Ordinary shares 43,850,000 shares (as at December 31, 2008) : 10 Baht per share

: Thailand Securities Depository Co., Ltd. : 4th,7th Floor, The Stock Exchange of Thailand Building, 62 Ratchadapisek Road, Klongtoey, Bangkok 10110 Tel: 0-2229-2800 Fax: 0-2359-1259 : Ernst & Young Office Limited : 33rd Floor, Lake Rajada Office Complex, 193/136-137 Rajadapisek Road, Klongtoey, Bangkok 10110 Tel: 0-2264-0777 Fax: 0-2264-0789-90

FINANCIAL HIGHLIGHTS ASSETS Total assets Hire-purchase receivables - net 2/ Financial lease receivables - net Factoring receivables - net LIABILITIES AND SHAREHOLDERS没 EQUITY Total liabilities Total shareholders没 equity OPERATING RESULTS Total revenues Hire-purchase income 3/ Leasing income Factoring income Selling and administrative expense Bad debts and doubtful accounts Finance cost Net profit after tax PROFITABILITY RATIO Interest revenue 1/ 2/ 3/ Interest expense 1/ Interest spread Net profit margin Return on equity Earning per share Book value per share Dividend payout Dividend per share EFFICIENCY RATIO Return on asset Asset turnover FINANCIAL RATIO Debt to equity Lendings to borrowings NPL to total lendings

2008

2007

2006

11,937.70 10,119.60 722.95 790.90

10,865.60 9,108.27 676.26 773.61

9,443.84 8,075.62 567.77 464.18

10,211.42 1,726.28

9,203.24 1,662.36

7,867.36 1,576.48

1,147.27 842.57 71.53 68.51 357.09 70.17 448.58 178.92

1,051.42 779.63 65.53 52.69 311.08 85.05 439.57 166.38

896.80 655.35 58.88 36.51 303.86 45.33 391.22 118.57

(%) (%) (%) (%) (%) (Baht/Share) (Baht/Share) (%) (Baht/Share)

8.87 4.74 4.13 15.60 10.56 0.78 7.51 69.12 0.50

9.13 5.27 3.86 15.82 10.27 0.72 7.23 67.89 0.35

8.93 5.60 3.33 13.22 9.59 0.82 6.85 47.11 0.60

(%) (Times)

1.57 0.10

1.64 0.10

1.37 0.10

(Times) (Times) (%)

5.92 1.19 0.92

5.54 1.20 0.77

4.99 1.17 0.54

(Million Baht)

Source : Consolidated financial statements of Asia Sermkij Leasing Public Company Limited for the Year 2006 -2008 audited by certified public accountant Note 1/ Interest revenue is an Effective Rate and interest expense includes aval and guarantee fees. 2/ In 2007 and 2008, the Company had presented unearned hire-purchase interest income net of deferred commission expenses in accordance with TAS 29 (revised 2007) 3/ In 2007 and 2008, the Company had presented hire-purchase income net of amortization in accordance with TAS 29 (revised 2007)

85 Asia Sermkij Leasing Public Company Limited

Total Assets Million Baht 12,000

11,937.70 10,865.60 9,443.84

9,000 6,000 3,000

Total Shareholders没 Equity 0 2549

2550

2551

Million Baht 2,000 1,600

1,576.48

1,662.36

1,726.28

2550

2551

1,200 800

Total Revenue Million Baht 1,200

400 1,147.27

0 2549

1,051.42

900

896.80

600 300

Net Profit After Tax 0 2549

2550

2551

Million Baht 200 178.92 166.38

160 120

118.57

80 40 0 2549

86 Annual Report 2008

2550

2551

87 Asia Sermkij Leasing Public Company Limited

Corporate Activities

88 Annual Report 2008

NATURE OF BUSINESS 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.

Structure and Operation of the Group Company The Company

The Subsidiary

Asia Sermkij Leasing Public Company Limited 99.99% Bangkok Grand Pacific Lease Public Company Limited * - Hire purchase on all auto types - Machinery and vehicle leasing - Personal loan - Machinery and vehicle hire purchase - Floor plan financing - Domestic factoring - Auto registration, tax renewal and - International factoring insurance facilitation service - Insurance facilitation service Note * The Company became a shareholder in Bangkok Grand Pacific Lease Plc in May 2004.

Business Operation in Each Product 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, eastern and western region. Currently the Company is a founding member of Thai Hire Purchase Association. 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.

89 Asia Sermkij Leasing Public Company Limited

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 tools & equipments, services, and electrical products. 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.

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, services, and chemical & plastic. 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 purchaserĂťs (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. -

90 Annual Report 2008

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 (Ă§FCIĂŠ).

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 50,000 per customer with short repayment term and hire-purchased vehicles as collateral. The Company has commenced personal loan service since Year 2002. In addition, the Company has commenced its floor plan financing service since late 2003 to 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 2006 - 2008, revenue structure of the Company and its subsidiary can be classified by the types of businesses as follows: Type of Business Operated by Year 2008 Year 2007 Year 2006 Revenue % Revenue % Revenue % (MBaht) (MBaht) (MBaht) Hire purchase Company and its subsidiary 842.57 73.44 779.63 74.15 655.35 73.08 Leasing Subsidiary 71.53 6.24 65.53 6.23 58.88 6.56 Factoring Subsidiary 68.51 5.97 52.69 5.01 36.51 4.07 Other income * Company and its subsidiary 164.66 14.35 153.57 14.61 146.06 16.29 Total 1,147.27 100.00 1,051.42 100.00 896.80 100.00 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, interest income, dividend income, other incomes and etc.

Corporate Mission, Corporate Vision and Corporate Value Corporate Mission 1 To identify and satisfy the financial needs of customers for their success and well-being 2 To seek steady profitable growth only from areas where we have the competencies to create sustainable competitive advantages 3 To pursue the best interests of all stakeholders Corporate Vision ĂŤ To become a specialized financial institution with leading niche market position to provide solutions regarding consumer and trade finance to individuals and SMEs

91 Asia Sermkij Leasing Public Company Limited

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 Business Competition 1. Auto Hire Purchase Business The auto hire purchase business correlates to the change of domestic auto sales and automobile industry. Therefore, in 2008 where automobile industry has been impacted by the world economic recession, the volume of the domestic auto manufacture in the 2nd half of the year 2008 and the domestic auto sales in the last quarter of the year 2008 declined significantly. Nonetheless, the advantage of Thailand in terms of geography aspect and technical skill of Thai labor enable Thailand still being one of an important automobile manufacturer in the region. It is also expected that Thailand economic will not critically affect by the recession as occurred in United State of America and some countries in Europe. As a result, the forecasted domestic auto sales in 2009 will assume decreasing around 22 percent from 2008. 2.

Machinery and Vehicle Leasing / Hire Purchase Business Though the machinery and vehicle leasing / hire purchase business which focus on corporate customers affected by the economic recession as auto hire purchase business, however, the competition in this industry is lessened due to small number of competitors in the industry and relatively similar market share of each competitor. The skill and experience from being in business for more than 20 years, good relationship with asset dealer and pricing policy emphasizing not on pricing but instead on the importance of service quality enhancement as well as high liquidity of assets under hire purchase / leasing agreement, the Subsidiary then has potential to compete in the increasingly competitive market condition.

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.

92 Annual Report 2008

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 45 percent 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 Company没s 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.

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 subsidiary没s incomes are mainly derived from auto hire purchase services, accounting for around 73.44 percent of total revenue at the end of Year 2008, 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 subsidiary没s 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.

93 Asia Sermkij Leasing Public Company Limited

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 Company没s 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 hirepurchased cars. Besides, the Company sets the portion of used car disbursement at only 20 percent of total disbursement for the year 2009.

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 2008 and 2007, non-performing loans accounted for 0.92 percent and 0.77 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.

94 Annual Report 2008

SHAREHOLDING AND MANAGEMENT STRUCTURE Organization Chart

Board of Directors Audit Committee Executive Board of Directors Internal Audit Dept. Managing Director

General Manager

Chief Financial Chief Information Chief Administrative Officer (Acting) Officer Officer

Senior AGM (Marketing Only) AGM (Marketing Divis.)

AGM AGM (Branch Divis.) (Credit Control Divis) Rayong Branch

Customer Service Dept.

Accounting Dept.

Marketing (Line 2)

Samutsakorn Branch

Debt Management Dept

Finance Dept.

Marketing Dept.

Phitsanulok Branch

Verification Dept.

Investor Relations Dept.

Marketing (Line 1)

Credit Operation Dept.

Information System and Automation Dept.

Planning Dept. Human Resources and Administration Dept.

Legal Dept.

95 Asia Sermkij Leasing Public Company Limited

Shareholding Structure The top 10 shareholders as at December 30, 2008 are: No. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

Name Chailease Finance Co., Ltd. AK Enterprise (Thailand) Co., Ltd. Bangkok Bank Public Company Limited Mr. Chatree Sophonpanich Thai NVDR Co., Ltd. Mrs. Supaporn Chansaereewittaya Bangkok Insurance Public Company Limited Mrs. Vaewta Luareesuwan Mr. Koo John-Lee Dr. Amnuay Viravan Total

No. of Shares (Shares) 86,096,730 80,452,280 16,899,560 11,212,360 11,138,100 3,087,800 2,204,280 1,350,000 1,079,640 925,600 214,446,350

% 37.43 34.98 7.35 4.87 4.84 1.34 0.96 0.59 0.47 0.40 93.24

Management Management structure includes the Board of Directors, the Audit Committee, the Executive Board of Directors and the Management. Board of Directors As of February 25, 2009, the Company没s 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 / Chairman of the Executive Board of Directors 2 Mr. Lo, Jun-Long Executive Director / Managing Director 3 Mr. Tientavee Saraton Executive Director 4 Mr. Shen, Ying-Hui Executive Director 5 Mr. Huang, Cheng-Ming Director 6 Mr. Liu, Chia-Jeang* Director 7 Mr. Fong-Long, Chen 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 Remark:

96 Annual Report 2008

* According to the resolution of the Company没 s meeting of the Board of Directors No. 2/2009 held on February 25, 2009, it opined acknowledged the resignation of Mr. Chen, Chi-Ching and Mr. Liao, Ying-Chih from Director effective on February 24, 2009, appointed Mr. Liu, Chia-Jeang to be a director in place of Mr.Chen, Chi-Ching and Mr. Kasem Akanesuwan to be a Member of the Audit Committee/ Independence Director in place of Mr.Liao, Ying-Chih effective on February 25, 2009.

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.

97 Asia Sermkij Leasing Public Company Limited

Executive Board of Directors As of February 25, 2009, the Executive Board of Directors consists of 6 members as follows: 1 Dr. Amnuay Viravan Chairman of the Board of Directors / Chairman of the Executive Board of Directors 2 Mr. Lo, Jun-Long Executive Director / Managing Director 3 Mr. Tientavee Saraton Executive Director 4 Mr. Shen, Ying-Hui Executive Director 5 Mr. Fong-Long, Chen Director 6 Mr. Huang, Cheng-Ming 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 Company没s business under the resolutions/ regulations of the Board of Directors. 3. To consider and have Authority on Credit Approval, Non-Policy Expenses Approval, Non-Policy Assets (Buying and Selling) Approval, and request for approval to the Board of Director for which is beyond the 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 which is under the any act and they 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 regulations没 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 Company没s 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 February 25, 2009, 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 Remark:

98 Annual Report 2008

* According to the resolution of the Company没 s meeting of the Board of Directors No. 2/2009 held on February 25, 2009, it opined appointed Mr. Kasem Akanesuwan to be a Member of the Audit Committee/ Independent Director effective on February 25, 2009.

Role and Responsibilities of the Audit 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 Thailandûs 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 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 February 25, 2009, management comprises: 1 Dr. Amnuay Viravan Chairman of the Board of Directors / Chairman of the Executive Board of Directors 2 Mr. Lo, Jun-Long Executive Director / Managing Director 3 Mr. Tientavee Saraton Executive Director 4 Mr. Srayuth Khaola-iead General Manager 5 Mr. Danai Lapaviwat Chief Financial Officer/ Secretary of the Board of Directors 6 Mr. Sarayuth Chaisawadi Chief Information Officer/ Acting Chief Administrative Officer 7 Mr. Chonpichet Tantigittipinyo Senior Assistant General Manager

99 Asia Sermkij Leasing Public Company Limited

Board of Directors and Managements没 Profiles Dr. Amnuay Viravan Highest Education Experience 2004 - Present

Chairman of the Board / Chairman of the Executive Board Doctor of Philosophy in Business Administration, University of Michigan, U.S.A.

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 - Present Honorary Chairman, Saha-Union Public Company Limited 1999 - Present 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 December 31, 2008, compared with those of 2007 Remain unchange at 925,600 shares Mr. Lo, Jun-Long Executive Director/ Managing Director Highest Education Master of Business Administration, University of Santa Clara, U.S.A. Experience 2004 - Present Executive Director, Asia Sermkij Leasing Public Company 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 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 December 31, 2008, compared with those of 2007 Remain unchanged at 180,050 shares

100 Annual Report 2008

Mr. Tientavee Saraton Highest Education

Executive Director Master of Science in Management, Arthur D. Little Management Education Institute, U.S.A.

Experience 2004 - Present 2004 - Present 1999 - Present 1992 - Present 2005 - 2009 2006 - 2008 1992 - 2006 Director program

Executive Director, Asia Sermkij Leasing Public Company Limited Executive Director, Bangkok Grand Pacific Lease Public Company Limited Director, Bangkok Grand Pacific Lease Public Company Limited Director, Asia Sermkij Leasing Public Company Limited Vice Chairman, Thai Hire Purchase Association Deputy Managing Director, Asia Sermkij Leasing Public Company Limited General Manager, Asia Sermkij Leasing Public Company Limited Director Accreditation Program No. 22/2004, Thai Institute of Directors Association Director Certification Program No. 48/2004, Thai Institute of Directors Association Changes of shares held as at December 31, 2008, compared with those of 2007 Remain unchanged at 189,400 shares 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 Executive Vice President, Chailease Finance Co., Ltd. 2001 - 2006 Executive Vice President, Chailease Consumer Finance Co., Ltd. Director program Director Accreditation Program No. 57/2006, Thai Institute of Directors Association Changes of shares held as at December 31, 2008, compared with those of 2007 None Mr. Huang, Cheng-Ming Director Highest Education Master of Science in Management, Massachusetts Institute of Technology (MIT), U.S.A. Experience 2004 - Present Director, Asia Sermkij Leasing Public Company Limited 2004 - Present Director, Bangkok Grand Pacific Lease Public Company Limited 2007 - Present Senior Executive Vice President/ Director, Financial One Corp. 2007 - Present Director, Grand Pacific Holdings Corp. 2006 - Present Chairman, Chailease International Leasing Co., Ltd. 2006 - Present Non-executive Director, Responze TV International Ltd. 2005 - Present Managing Director, AK Enterprise (Thailand) Co., Ltd. 2004 - Present Senior Executive Vice President/ Director, Chailease Finance Co., Ltd. Director program None Changes of shares held as at December 31, 2008, compared with those of 2007 Remain unchanged at 231,400 shares

101 Asia Sermkij Leasing Public Company Limited

Mr. Fong-Long, Chen Highest Education Experience 1999 - Present 1999 - Present 2008 - Present 2008 - Present 2007 - Present 2007 - Present 2007 - Present 2006 - Present

Director Master of Science in Management, Massachusetts Institute of Technology (MIT), U.S.A.

Director, Asia Sermkij Leasing Public Company Limited Director, Bangkok Grand Pacific Lease Public Company Limited Chairman, Chailease Auto Service Co., Ltd. Chairman, Chailease International Corp. Chairman, Chailease Finance Co., Ltd. President/ Director, Financial One Corp. Director, Grand Pacific Holdings Corp. Chairman of Control Committee, Chailease International Leasing Company (Vietnam) 2006 - Present Chairman, My Fleet Co., Ltd. 2005 - Present Chairman, Chailease International Finance Co. 2002 - Present President, Chailease Finance Co., Ltd. 2000 - Present Director, Chailease Consumer Finance Co., Ltd. Director program None Changes of shares held as at December 31, 2008, compared with those of 2007 Remain unchanged at 231,400 shares Mr. Liu, Chia-Jeang Director (Appointed effective February 25, 2009) Highest Education Master of Business Administration, Sloan School of MIT, U.S.A. Experience 2009 - Present Director, Asia Sermkij Leasing Public Company Limited 2009 - Present Director, Bangkok Grand Pacific Lease Public Company Limited 2009 - Present Member of Control Committee, Chailease International Leasing Co., Ltd. 2009 - Present Chief Financial Officer, Financial One Corp. 2009 - Present Supervisor, Chailease Auto Service Co., Ltd. 2004 - 2008 President, Grand Pacific Credit Co., Ltd. Director program None Changes of shares held as at December 31, 2008, compared with those of 2007 None 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 December 31, 2008, compared with those of 2007 Remain unchanged at 161,400 shares

102 Annual Report 2008

Mr. Pradit Sawattananond Highest Education Experience 2004 - Present

Chairman of the Audit Committee/ Independent Director Master of Business Administration, Central State University, Oklahoma, U.S.A.

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 Accreditation Program No. 19/2004, Thai Institute of Directors Association Director Certification Program No. 3/2000, Thai Institute of Directors Association Audit Committee Program No. 3/2004, Thai Institute of Directors Association Improving the Quality of Financial Report No.4/2006, Thai Institute of Directors Association Chief Financial Officer Certification Program No. 1/2004, Federation of Accounting Professions Changes of shares held as at December 31, 2008, compared with those of 2007 Remain unchanged at 60,000 shares Mr. Anant Svattananon Audit Committee/ Independent Director Highest Education Commerce Course, The Institute of Foreign Languages Business Development & Management Course Experience 2004 - Present Audit Committee/ Independent Director, Asia Sermkij Leasing Public Company Limited 1998 - Present Executive Vice Chairman, Shanghai Kinghill Co., Ltd. Pudong P.R.O.C. 1998 - Present Managing Director, Star of Andaman Co., Ltd. Director program Director Accreditation Program No. 38/2005, Thai Institute of Directors Association Changes of shares held as at December 31, 2007, compared with those of 2006 Remain unchanged at 50,000 shares

103 Asia Sermkij Leasing Public Company Limited

Asso. Prof. Dr. Supriya Kuandachakupt Audit Committee/ Independent Director Highest Education Doctor of Ecomomics, University of Hawaii, U.S.A. Experience 2006 - Present Audit Committee/ Independent Director, Asia Sermkij Leasing Public Company Limited 1986 - Present Associate Professor, Department of Economics, Faculty of Economics, Kasetsart University 2004 - 2006 Advisor to Director-General of Fiscal Policy Office, Fiscal Policy Office 2000 - 2004 Dean of 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 Changes of shares held as of December 31, 2008, compared with those of 2007 Remain unchanged at 60,000 shares (Including shares held bey related parties) Mr. Kasem Akanesuwan Audit Committee/ Independent Director (Appointed effective February 25, 2009) Highest Education Master of Science in Accounting, Roosevelt University, U.S.A. Experience 2009 - Present 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 None Changes of shares held as of December 31, 2008, compared with those of 2007 None 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 None Changes of shares held as of December 31, 2008, compared with those of 2007 Remain unchanged at 126,800 shares Mr. Danai Lapaviwat Chief Financial Officer / Secretary of the Board Highest Education Master of Business Administration (Finance), San Diego State University, U.S.A. Experience 2004 - Present Secretary of 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 December 31, 2008, compared with those of 2007 Remain unchanged at 89,080 shares

104 Annual Report 2008

Mr. Sarayuth Chaisawadi Highest Education

Chief Information Officer / Acting Chief Administrative Officer 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 2000 - 2002 Chief Operating Officer, ICE Consulting Co., Ltd. Director program Director Certification Program No. 48/2004, Thai Institute of Directors Association Changes of shares held as of December 31, 2008, compared with those of 2007 Remain unchanged at 55,000 shares 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 None Changes of shares held as of December 31, 2008, compared with those of 2007 Remain unchanged at 140,300 shares 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 Companyรปs 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 Companyรปs articles of association. The approval of appointment and determination of remuneration for the Board of Directors and the management will be made by the shareholdersรป meeting and the Executive Board of Directors, respectively. Remuneration for Directors, Executive Directors and Management Cash Remuneration 1. Remuneration for Directors In Year 2008 remuneration for the Company and its subsidiaryรปs directors consisted of fixed remuneration and meeting attendant allowance as approved by the shareholdersรป meeting as follows:

- Chairman of Audit Committee/ Independent Director - Audit Committee Member/ Independent Director - Chairman of Board of Directors/ Executive Director/ Non-Executive Director - External Director

Fixed Meeting Attendant Remuneration Allowance (Baht per month) (Baht per meeting) 30,000 6,000 20,000 6,000 10,000 10,000

6,000

105 Asia Sermkij Leasing Public Company Limited

The directors没 remunerations for the year 2008 are as follows: Name Dr. Amnuay Viravan Mr. Lo, Jun-Long Mr. Tientavee Saraton Mr. Shen, Ying-Hui Mr. Huang, Cheng-Ming Mr. Liao, Ying-Chih* Mr. Fong-Long, Chen Mr. Chen, Chi-Ching * Mrs. Patima Chavalit Mr. Pradit Sawattananond Mr. Anant Svattananon Asso. Prof. Dr. Supriya Kuandachakupt Total

Position Chairman of the Board of Directors/ Chairman of the Executive Board of Directors Executive Director / Managing Director Executive Director Executive Director Director Director Director Director Director Chairman of the Audit Committee / Independent Director Member of the Audit Committee / Independent Director Member of the Audit Committee / Independent Director

Fixed Meeting Remuneration Attendant (Baht) Allowance (Baht) 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000 120,000

18,000

360,000

18,000

240,000 240,000

12,000 18,000

1,920,000

66,000

* According to the resolutions the Company没s meeting of the Board of Directors No. 2nd/2009 held on February 25, 2009, it opined acknowledged the resignation of Mr. Liao, Ying-Chih and Mr. Chen, Chi-Ching from Director effective on February 24, 2009.

Remuneration for Management In Year 2008 remuneration for the Company and its subsidiary没s management totaling 8 persons consisted of salary, bonus, provident fund, social security fund and other remunerations. Total cash remuneration stood at Baht 32.21 million, Baht 30.57 million of which being salary and bonus and Baht 1.64 million being provident fund, social security fund and other remunerations.

Other Remunerations -None-

106 Annual Report 2008

Shareholding of Directors and Management Name Ordinary Share* (Shares) As at Year As at Year Change Ended Ended 2008 2007 Director Dr. Amnuay Viravan 925,600 925,600 Mr. Lo, Jun-Long 180,050 180,050 Mr. Tientavee Saratan 189,400 189,400 Mr. Shen, Ying-Hui Mr. Huang, Cheng-Ming 231,400 231,400 Mr. Liao, Ying-Chih ** Management Mr. Srayuth Khaola-iead 126,800 Mr. Danai Lapaviwat 89,080

126,800 89,080

Name

Ordinary Share* (Shares) As at Year As at Year Change Ended Ended 2008 2007

Director Mr. Fong-Long, Chen 231,400 Mr. Chen, Chi-Ching** Mrs. Patima Chavalit 161,400 Mr. Pradit Sawattananond 60,000 Mr. Anant Svattananon 50,000 Asso. Prof. Dr. Supriya 60,000 Kuandachakupt* Management Mr. Sarayuth Chaisawadi 55,000 Mr. Chonpichet Tantigittipinyo 140,300

231,400 161,400 60,000 50,000 60,000

55,000 140,300

Remark: * Including shares held by related parties. ** According to the resolutions the Companyûs meeting of the Board of Directors No. 2nd/2009 held on February 25, 2009, it opined acknowledged the resignation of Mr. Liao, Ying-Chih and Mr. Chen, Chi-Ching from Director effective on February 24, 2009.

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 shareholdersûs 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 has been listed through the company website; www.ask.co.th; at least 30 days in advance. The information includes the shareholdersû invitation letter to the shareholdersû meeting and the supplementary document. The minutes of the shareholdersû meeting will be posted on the website within 14 days after the meeting.

107 Asia Sermkij Leasing Public Company Limited

For the year 2008, the company has circulated the shareholdersû invitation letter and supplementary documents for the meeting since March 24, 2008. The minutes of the meeting has been revealed to public through the company website on May 9, 2008 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 2008, the Company held 1 general shareholdersû meeting which was the Annual General Meeting of Shareholders No.24th/2008 held on April 25, 2008 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. 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 24, 2008. 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 charged of distributing the documents to the shareholders 15 days prior to the meeting date. In 2008, the Company has sent the invitation letter and others importance documents to the shareholders since April 10, 2008 and made an announcement through the newspaper for 3 consecutive days from March 31-April 2, 2008 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, 2008 at 12.00 pm. 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 the Chairman of the Audit Committee/Independent Director as a proxy on behalf of the shareholders in case the shareholders cannot attend the meeting.

108 Annual Report 2008

On the meeting date The company has set the venue, agenda, and the appropriate time that is convenient for every shareholder and assure the security. The company has provided the sufficient registration counters and allowed the participants to register 1 hour before the meeting starts. They can also register prior to or during the meeting. The company also provided 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.24th/2008 had 8 from 12 directors participated including Chairman of the Audit Committee/ Independent Director, the Audit Committee/ Independent Directors totaling 3 persons, 1 directors and 4 executive directors together with Chief Financial Officers who take the responsibility as secretary to the Board of Directors. There were also the company没s auditor and legal consultant totaling 3 persons attending the meeting. After the Meeting The company had informed the resolution of the meeting on April 25, 2008 via the Stock Exchange of Thailand没s information system. The company had submitted and published the minutes of the meeting on the company website within 14 days after the meeting. In 2008, the company had posted the minutes through the company website since May 9, 2008. The event had also recorded both in video and audio format to be distributed to any shareholders who may have an interest. Policy to protect the use of internal information by directors and management for personal use The Company has set the protection policy in order to prevent the use of internal information by 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 shareholders没 right, the company also set 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, 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 market没s 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.

109 Asia Sermkij Leasing Public Company Limited

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 2008, the company and subsidiary provide all employees totally 84 training programs, 45 programs are internal training programs and 39 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. Moreover, the company has a saving energy policy by turning off the light when it was not used, i.e. during the lunch break. In order to be a channel for stakeholdersû participation, the company has set up a channel to gather any complaints, suggestions or comments to the board via the company website (in Investor Relations Section) or 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 2008, the company appointed Ernst & Young Office Limited, who has been certified by the Securities and Exchange Commission, as an independent auditor. The companyûs 2008 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.

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. 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.

110 Annual Report 2008

The Company also has a balance of power for directors that the Board of Directors consists of 12 directors as of February 25, 2009 , 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 shareholders没 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. The remuneration policy for directors, approved by the shareholders没 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 Company没s operating performance together with the performance of each individual management. Currently, the company has two types of directors remuneration which are the monthly fixed remuneration and meeting attendant allowance (for audit committee and external director only). 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 Company没s profitability. The Annual General Meeting of Shareholders No.24th/2008 held on April 25, 2008 approved the remuneration of year 2008 for directors as follows:

- Chairman of Audit Committee/ Independent Director - Audit Committee Member/ Independent Director - Chairman of Board of Directors/ Executive Director / Non-Executive Director - External Director

Fixed Remuneration (Baht per month)

Meeting Attendant Allowance (Baht per meeting)

30,000

6,000

20,000

6,000

10,000 10,000

6,000

111 Asia Sermkij Leasing Public Company Limited

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. Each director has dedicated his/her time to attend all of the Board of Directorsû meetings, except in case of necessity. In the year 2008, All meetings were attended by each of the Companyûs directors as follows: Name No. of Meetings Name No. of Meetings Attended/ No. of Total Meeting Board of Audit Directors Committee

Dr. Amnuay Viravan Mr. Lo, Jun-Long Mr. Tientavee Saraton Mr. Shen, Ying-Hui Mr. Huang, Cheng-Ming Mr. Chen, Chi-Ching*

1/6 6/6 6/6 6/6 5/6 2/6

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

Mr. Fong-Long, Chen Mr. Liao, Ying-Chih * Mrs. Patima Chavalit Mr. Pradit Sawattananond Mr. Anant Svattananon Asso. Prof. Dr. Supriya Kuandachakupt

2/6 3/6 6/6 6/6 3/6 5/6

4/4 3/4 4/4

Remark: * According to the resolutions the Companyûs meeting of the Board of Directors No. 2nd/2009 held on February 25, 2009, it opined acknowledged the resignation of Mr. Liao, Ying-Chih and Mr. Chen, Chi-Ching from Director effective on February 24, 2009.

In 2008, 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.

112 Annual Report 2008

As of February 25, 2009 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. Independent directors in the Audit Committee will use their own discretion in reviewing the financial report, internal control and internal audit system and operation of the Company, considering and appointing the 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 per cent 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 shareholder or shareholders who are related to the companyûs major shareholder.

113 Asia Sermkij Leasing Public Company Limited

Not having any characteristics which make him incapable of expressing independent opinions with regard to the companyรปs business affairs. In addition, 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 has also set up Internal Audit Department as a companyรปs internal business unit and directly report to the Audit Committee in order that the Board of Directors can efficiently monitor the companyรปs performance. In addition, the Company has appointed Weerawong, Chinnavat and Peangpanor Limited, a law firm which provides the service of Company Secretary, to be responsible for and undertake the tasks of the Company Secretary in order to comply with Section 89/15 of the Securities and Exchange B.E. 2535 (including its amendments). 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 Companyรปs 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 Companyรปs securities. Such requirement is in compliance with Section 59 of the Securities and Exchange Act B.E. 1992.

114 Annual Report 2008

Directors, management and employees in the division receiving internal information are recommended to avoid or suspend their trading of the Companyรปs 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 subsidiaryรปs 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 subsidiaryรปs 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 shareholdersรป best interest and under approval from the shareholdersรป meeting. Future Plan The Company and its subsidiary plan to gradually expand their financial services to individuals and small and medium size enterprises by expanding the all types of financing, i.e. hire purchase, leasing, factoring and floor plan financing. The Company and its subsidiary also plan to increase the proportion of income generated from other support services related to their core business. Accordingly, branch or outlet expansion is one of the approaches to expand financing volume. In addition, Management Information System (MIS) and Transaction Processing System (TPS) have been continually implemented, the Company plans to develop the management information system to enhance the efficiency and reform the operating procedure including the cost management system and quality management system. In addition, Technology Infrastructure of Computer Network and Information Security System will be continuously developed for the information accessing and security to support the Company business expansion.

115 Asia Sermkij Leasing Public Company Limited

CONNECTED TRANSACTIONS The Company and its subsidiary have connected transactions with connected persons who may have conflict of interest, all of which being made in a normal course of business of the Company and its subsidiary. In approving the 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/2009 on February 25, 2009, also attended by the Audit Committee and the independent directors to review the connected transaction for the period ended December 31, 2007 and December 31, 2008, 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:

116 Annual Report 2008

Parties with Potential Conflict / Nature of Transaction

1. Bangkok Bank Public Company Limited / - Hold 7.35 percent of the Company没s shares as at December 30, 2008.

2. Bangkok Insurance Public Company Limited / - Hold 0.96 percent of the Company没s shares as at December 30, 2008.

3. China Trust Commercial Bank / - A related company of the Company没s major shareholders (Chailease Finance Co., Ltd. and AK Enterprise (Thailand) Co., Ltd.).

Type of Transaction

Value of Connected Transaction for the Period Ended (霉000 Baht) December 31, December 31, 2008 2007

Savings and current deposit at bank, bank overdraft, short and long-term loan, aval fee of the Company and its subsidiary for working capital and business expansion 1. Savings and current deposit 53,318.07 2. Bank overdraft 31,655.99 3. Short-term loan 2,480,000.00 4. Long-term loan 2,000,000.00 5. Accrued interest expense 17,008.93 6. Interest expense 203,651.11 7. Aval fee 907.40 8. Pre-paid aval fee 253.97 Short-term loan of the Subsidiary for working capital and Insurance expense of the Company and its subsidiary according to the market rate 1. Short-term loan 60,000.00 2. Interest expense 1,709.59 3. Insurance expense 1,143.60 4. Prepaid insurance expense 292.12 Standby L/C fee for the credit line totaling USD 40 million with the option to either borrow directly or to withdraw in form of Standby Letter of Credit to be used as collateral for borrowing from other financial institutions 1. Standby L/C fee 19.51 2. Pre-paid standby L/C fee -

Reason and Necessity of the Connected Transaction / Remark

- Audit Committee have reviewed and considered this item and provided opinion that interest rate charged is similar to the market rate and deemed reasonable in the ordinary course of business. 35,038.47 75,941.89 2,260,000.00 1,400,000.00 7,256.97 146,718.13 904.93 249.04 - Audit Committee have reviewed and considered this item and provided opinion that interest rate charged and Insurance expense are similar to the market rate and deemed reasonable 60,000.00 in the ordinary course of business. 2,277.95 1,229.24 605.33 - Audit Committee have reviewed and considered this item and provided opinion that the fee is deemed reasonable in the ordinary course of business.

14,005.62 19.51

117 Asia Sermkij Leasing Public Company Limited

Parties with Potential Conflict / Nature of Transaction

Type of Transaction

4. Chailease Finance Co., Ltd. / - Major shareholder of the Company with 37.43 percent shareholding as at December 30, 2008.

Guarantee fee for loans the Company borrowed from other financial institutions. 1. Guarantee fee 2. Accrued guarantee fee

5. Financial One Corp / - A related company of the Companyûs major shareholders (Chailease Finance Co., Ltd. and AK Enterprise (Thailand) Co., Ltd.).

Guarantee fee for loans the Company borrowed from other financial institutions. 1. Guarantee fee 2. Accrued guarantee fee

6. Sathorn City Tower Property Fund / - Related to City Realty Co., Ltd. whom relates to the major shareholder of the Company (Bangkok Bank Plc.) 7. Bangkok Garden Property Fund / - Related to City Realty Co., Ltd. whom relates to the major shareholder of the Company (Bangkok Bank Plc.)

Rental expense for office space and fixture and service of the Company and its subsidiary 1. Rental expense for office space and fixture and service Rental expense for the parking space of the Company and its subsidiaryûs repossessed assets with a 1-year term from 1 November - 31 October. 1. Rental expense

Value of Connected Transaction for the Period Ended (ù000 Baht) December 31, December 31, 2008 2007

3,890.72 3,890.72

1,595.09 1,595.09

156.37 156.37

14,298.94

13,588.98

600.00

Reason and Necessity of the Connected Transaction / Remark

- Audit Committee have reviewed and considered this item and provided opinion that the values are market price and comparable with asset size and servicesû reference. Value of such contract is consistent with the agreement made and deemed reasonable in the ordinary course of business. - Audit Committee have reviewed and considered this item and provided opinion that the values are market price and comparable with asset size and servicesû reference. Value of such contract is consistent with the agreement made and deemed reasonable in the ordinary course of business. - Audit Committee have reviewed and considered this item and provided opinion that its value is consistent with the agreement made and deemed reasonable in the ordinary course of business.

- Audit Committee have reviewed and considered this item and provided opinion that its value is consistent with the agreement made and deemed reasonable in the ordinary course of 600.00 business.

Source: Consolidated financial statements of Asia Sermkij Leasing Public Company Limited as audited by the auditor for the Year 2007 - 2008.

118 Annual Report 2008

MANAGEMENT DISCUSSION AND ANALYSIS Overview of the Historical Operating Performance During the year 2008, the Thai economy declined substantially from the previous year, with GDP growth rate dropping from 4.9% in 2007 to 2.6% in 2008. Externally the economy was plagued by the high inflation caused by the surge of oil and food prices in the first half and then by the world economic recession caused by the failure of the U.S. sub-prime mortgage loans in the second half. Internally, the economy was dragged by the political instability. As a result, on the domestic demand side, diminishing consumer and investor confidence continued to retard the growth rates of private consumption and investment at 3.6% and 3.5% respectively in 2008 as compared with 1.5% and (0.5)% in 2007. On the foreign demand side, trading partners没 economic slowdown withheld the growth rates of exports and imports at 16.8% and 26.4% respectively in 2008 as compared with 17.2% and 9.0% in 2007. Interest rates remained mostly stable in the first half of 2008 and then moved downward in the second half. The 1-day repurchase rate or reference rate averaged at 3.38% in 2008 lower than the previous year没s 3.77% to help stimulate the economy in the face of 5.5% inflation rate in 2008. The new vehicle sales decreased by 2.5% from 631,250 units in 2007 to 615,270 units in 2008. New pick-up and commercial car sales decreased by 17.6% and 1.9% respectively while new passenger car sales increased by 33.3%. The average industrial capacity utilization decreased from 72.6% in 2007 to 67.6% in 2008 to reflect the continuing decline of export orders. For the overview performance, the Company and its subsidiary, on a consolidated basis, recorded the net profit of Baht 178.92 million, increased by 7.54% from Baht 166.38 million in Year 2007 mainly due to an increase in hire purchase revenue as a result of the growth in automobile hire purchase. The return of equity (ROE) was 10.56% in Year 2008 as compared to 10.27% in Year 2007. Earning per share was Baht 0.78, increased from 0.72 Baht per share in Year 2007. Operating Performance Revenues In Year 2008, the Company and its subsidiary没s total revenues amounted to Baht 1,147.27 million, increased by 9.12% from Baht 1,051.42 million in Year 2007. The major sources of revenues were income from hire purchase, accounting for 73.44% percent of total revenues. Such increase was attributable to the expansion in new hire purchase financing, especially commercial car, machinery and equipment. Hire purchase account receivables (before allowance for doubtful accounts) rose by 10.93% from Baht 9,227.86 million in Year 2007 to Baht 10,263.89 million in Year 2008. Incomes from financial lease and operating lease increased by 9.15% from Baht 65.53 million in Year 2007 to Baht 71.53 million in Year 2008, accounting for 6.23% of total revenues of the Company and its subsidiary. Income from factoring increased by 30.02% from Baht 52.69 million in Year 2007 to Baht 68.51 million in Year 2008, accounting for 5.97% of total revenues of the Company and its subsidiary. Such increase reflected an increase in demand for working capital of small and medium sized business enterprises.

119 Asia Sermkij Leasing Public Company Limited

Other incomes which were from personal loan, floor plan financing, penalty income from late payment, income from recommending insurance services, etc. increased by 7.23% from Baht 153.56 million in Year 2007 to Baht 164.67 million in Year 2008. Expenses The Company and its subsidiaryûs expenses (including bad debts and doubtful accounts, finance cost and tax expenses) increased by 9.41% from Baht 885.04 million in Year 2007 to Baht 968.35 million in Year 2008. Selling and Administrative Expenses In Year 2008, total selling and administrative expenses stood at Baht 357.09 million, accounting for 36.88% of the Company and its subsidiaryûs total expenses, increased by 14.79% from Baht 311.08 million in Year 2007. Majority of the selling and administrative expenses comprised of employee salary, bonus and related expense accounting for 24.33% of total expenses while bad debts and doubtful accounts and provision for financial guarantee amounted to Baht 92.17 million, representing 9.52% of total expenses. Finance Cost In Year 2008 finance cost rose by 2.05% from Baht 439.57 million in Year 2007 to Baht 448.58 million in Year 2008, representing 46.32% of total expenses of the Company and its subsidiary. The change was mainly due to an increase in the Companyûs borrowings from banks to support auto hire purchase business expansion, while average interest rate decreased from 5.27% in 2007 to 4.74% in 2008. Corporate Income Tax In Year 2008, the corporate income tax increased by 43.58% from Baht 49.10 million in Year 2007 to Baht 70.51 million in Year 2008. This was mainly due to an increase in profit before tax. Net Profit The Company and its subsidiaryûs net income after tax increased by 7.54% from Baht 166.38 million in Year 2007 to Baht 178.92 million in Year 2008. Earning per share increased from Baht 0.72 per share in Year 2007 to Baht 0.78 per share in Year 2008. In Year 2008, net profit margin and return on equity were 15.60% and 10.56% as compared to those of 15.82% and 10.27% respectively in Year 2007. Financial Status Assets Total assets increased by 9.87% from Baht 10,865.60 million at the end of Year 2007 to Baht 11,937.70 million at the end of Year 2008. The hire purchase account receivable, major component of the Company and its subsidiary assets, accounts for 84.77% 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 108.28 million at the end of Year 2008, accounting for only 0.92% of total account receivables (before allowance for doubtful accounts). In addition, the ratio of allowance for doubtful account to NPLs of 146.57% reflecting adequacy of the Company and its subsidiaryûs reserve for doubtful accounts.

120 Annual Report 2008

Liabilities Total liabilities as at the end of Year 2008 stood at Baht 10,211.42 million with the total loans amounting to Baht 9,932.60 Million. It comprised mainly of short-term loans at Baht 6,432.60 million, of which being overdraft, short-term borrowings from financial institutions, short-term borrowings from related parties and other short-term borrowings representing 64.76% of total borrowings. Nevertheless, the high portion of short-term borrowings will not lead to the financial liquidity problem since these borrowings are from its major shareholders. Therefore, the Company and its subsidiary can manage the funding cost efficiently. Type of Borrowing

As at December 31, 2008 Amount (Million Baht) Proportion (%) 5,562.60 56.00 2,511.66 25.29 3,050.94 30.71 60.00 0.60 800.00 8.06 10.00 0.10 6,432.60 64.76 2,000.00 20.14 1,500.00 15.10 3,500.00 35.24 9,932.60 100.00

Bank overdraft and short-term loans from financial institutions - Loan from related financial institution - Loan from other financial institutions Short-term loan from related party Current portion of long-term loans from related company Current portion of long-term loans from financial institution Other short-term loans Total Short-term loans Long-term loans from related company Long-term loans from other financial institution Total Long-term loans Total loans

Liquidity As at December 31, 2008 the loan repayment and the installment to be obtained in different period can be summarized as follows: Period

Loan Repayment Due (Million Baht)

Within 1 year More than 1 year but not more than 2 years More than 2 years but not more than 3 years More than 3 years Stop accrued account receivables Total

6,432.60 3,000.00 500.00 9,932.60

Installment to be Obtained from Debtor (Million Baht) 5,910.75 3,640.75 2,236.89 1,441.73 115.97 13,346.09

121 Asia Sermkij Leasing Public Company Limited

Difference gap between the installment expected to be obtained within 1 year and loan repayment due in 1 year amounted to Baht 521.85 million. The Company and its subsidiaryûs financing liquidity was not affected since most of the short-term loans were borrowed from the Companyûs group of financial institutions, and related parties. The Company and its subsidiaryûs short-term borrowings from related financial institutions and related parties accounted 2,571.66 million or 39.98% of loan due within 1 year. Moreover, 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. In addition, Company and its subsidiary still have the unused credit line from other financial institutions amounting to approximately Baht 1,496 million stand ready. 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 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 through the debt capital market. Shareholdersû Equity Shareholdersû equity increased by 3.85% from Baht 1,662.36 million at the end of Year 2007 to Baht 1,726.29 million at the end of Year 2008 with paid-up capital of Baht 1,150 million and retained earnings of Baht 430.91 million. This expansion of equity was mainly due to an increase in net profit of the company and its subsidiary. Auditorûs Fee In Year 2008, the Company and its subsidiaryûs remuneration to the auditors can be summarized below: 1. Auditing fee to: The office employing such auditor in the previous financial period totaling Baht 2,780,000. 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 advisory fee, document delivery traveling expense and other expenses, etc., to the following parties: -

122 Annual Report 2008

The office employing such auditor in the previous financial period totaling Baht 20,440. The person or business related to such auditor and its office in the previous financial period totaling 0 Baht.

Report of Independent Auditor To the Shareholders of Asia Sermkij Leasing Public Company Limited

I have audited the accompanying consolidated balance sheets of Asia Sermkij Leasing Public Company Limited and its subsidiary as at 31 December 2008 and 2007, the related consolidated statements of income, changes in shareholders没 equity and cash flows for the years then ended, and 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 2008 and 2007, the results of their operations, and cash flows for the years then ended, in accordance with generally accepted accounting principles.

Vissuta Jariyathanakorn Certified Public Accountant (Thailand) No. 3853 Ernst & Young Office Limited Bangkok: 25 February 2009

123 Asia Sermkij Leasing Public Company Limited

Balance sheets Asia Sermkij Leasing Public Company Limited and its subsidiary As at 31 December 2008 and 2007 (Unit: Baht) Consolidated financial statements Separate financial statements Note 2008 2007 2008 2007 Assets Current assets Cash and cash equivalents Current investment Current portion of hire purchase receivables - net Current portion of financial lease receivables - net Current portion of factoring receivables - net Current portion of loan receivables - net Assets foreclosed - net Other current assets Total current assets Non-current assets Hire purchase receivables - net of current portion Financial lease receivables - net of current portion Factoring receivables - net of current portion Loan receivables - net of current portion Investment in subsidiary Other long-term investment - net Land, building and equipment - net Intangible assets - net Other non-current assets - net Total non-current assets Total assets

19, 20

61,100,218 1,240,200

Annual Report 2008

27,008,382 1,240,200

22,319,820 2,369,250

3,959,987,204 3,720,271,940

3,459,149,979 3,172,996,636

7 8 9 10

355,508,079 318,399,101 784,996,122 766,972,333 22,493,958 56,980,883 25,346,118 16,776,135 119,984,181 120,608,213 5,330,656,080 5,046,113,557

17,544,442 46,573,366 19,738,318 8,206,879 92,729,545 74,543,131 3,617,410,866 3,327,009,082

6,159,611,167 5,387,996,785

5,819,483,278 5,052,488,207

7 8 9 11 12 13 14 15

367,439,994 357,861,088 5,908,797 6,642,000 5,426,621 311,040 328,320 31,604,108 37,523,212 19,809,448 19,650,026 16,936,704 9,489,933 6,607,047,879 5,819,491,364 11,937,703,959 10,865,604,921

446,913,607 446,913,607 23,670,071 26,670,053 15,529,331 15,276,710 3,807,796 4,121,545 6,309,404,083 5,545,470,122 9,926,814,949 8,872,479,204

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

124

43,735,702 2,369,250

Balance sheets (continued) Asia Sermkij Leasing Public Company Limited and its subsidiary As at 31 December 2008 and 2007 (Unit: Baht) Consolidated financial statements Separate financial statements Note 2008 2007 2008 2007 Liabilities and shareholders没 equity Current liabilities Bank overdrafts and short-term loans from banks Short-term loans from a related party Current portion of long-term loans from related party Current portion of long-term loans from a bank Amounts due to related parties Other short-term loans Short-term provisions from financial guarantees Other current liabilities Total current liabilities Non-current liabilities Long-term loans from related parties - net of current portion Long-term loans from a financial institution Rental deposits Total non-current liabilities Total liabilities

16, 19 19

5,562,598,883 5,671,940,581 60,000,000 60,000,000

4,259,566,928 4,073,729,823 -

19 18 19 17

- 1,000,000,000 800,000,000 21,056,009 8,852,062 10,000,000 50,000,000 22,000,000 235,763,009 207,448,522 6,711,417,901 6,998,241,165

- 1,000,000,000 800,000,000 10,533,805 6,312,349 10,000,000 50,000,000 163,205,081 137,729,709 5,243,305,814 5,267,771,881

19 18

2,000,000,000 400,000,000 1,500,000,000 1,800,000,000 5,000,000 3,500,000,000 2,205,000,000 10,211,417,901 9,203,241,165

1,500,000,000 200,000,000 1,500,000,000 1,800,000,000 3,000,000,000 2,000,000,000 8,243,305,814 7,267,771,881

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

125 Asia Sermkij Leasing Public Company Limited

Balance sheets (continued) Asia Sermkij Leasing Public Company Limited and its subsidiary As at 31 December 2008 and 2007 (Unit: Baht) Consolidated financial statements Separate financial statements Note 2008 2007 2008 2007 Shareholders没 equity Share capital Registered 230,000,000 ordinary shares of Baht 5 each Issued and fully paid-up 230,000,000 ordinary shares of Baht 5 each Share premium Difference from restructuring of shareholding Retained earnings Appropriated - statutory reserve Unappropriated Total shareholders没 equity Total liabilities and shareholders没 equity

1,150,000,000 1,150,000,000

1,150,000,000 1,150,000,000 141,185,450 141,185,450 4,188,003 4,188,003

1,150,000,000 1,150,000,000 141,185,450 141,185,450 -

38,059,157 28,369,067 392,853,448 338,621,236 1,726,286,058 1,662,363,756 11,937,703,959 10,865,604,921

38,059,157 28,369,067 354,264,528 285,152,806 1,683,509,135 1,604,707,323 9,926,814,949 8,872,479,204

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

126 Annual Report 2008

Income statements Asia Sermkij Leasing Public Company Limited and its subsidiary For the years ended 31 December 2008 and 2007 (Unit: Baht) Consolidated financial statements Separate financial statements Note 2008 2007 2008 2007 Revenues Hire purchase interest income Factoring income Interest income on financial leases Operating lease income Interest income from loans Penalty income Income from recommending insurance services Dividend income Other income Total revenues Expenses Operating lease cost Selling expenses Administrative expenses Provision for financial guarantees Bad debts and doubtful accounts Total expenses Income before finance cost and corporate income tax Finance cost Income before corporate income tax Corporate income tax Net profit for the year Basic earnings per share Net profit

230,873 57,036,356 254,045,381 85,047,193 396,359,803

698,013,683 655,059,187 (448,584,161) (439,573,141) 249,429,522 215,486,046 (70,507,220) (49,104,921) 178,922,302 166,381,125

744,279,413 4,060,763 36,058,869 55,062,181 53,982,283 47,025,820 940,469,329

675,047,650 4,401,577 29,146,080 55,490,058 57,493,207 46,734,808 868,313,380

44,950,791 236,344,412 55,297,667 336,592,870

41,644,519 194,793,393 61,411,425 297,849,337

603,876,459 570,464,043 (362,346,568) (359,400,397) 241,529,891 211,063,646 (47,728,079) (38,547,717) 193,801,812 172,515,929

23 0.78

0.72

0.84

0.75

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

127 Asia Sermkij Leasing Public Company Limited

Statements of changes in shareholders没 equity Asia Sermkij Leasing Public Company Limited and its subsidiary For the years ended 31 December 2008 and 2007

(Unit: Baht)

Note

Balance as at 31 December 2006 Net profit for the year Statutory reserve Dividend paid Balance as at 31 December 2007 Balance as at 31 December 2007 Net profit for the year Statutory reserve Dividend paid Balance as at 31 December 2008

Issued and paid-up share capital

Share premium

Annual Report 2008

Total

1,150,000,000 141,185,450 1,150,000,000 141,185,450

4,188,003 4,188,003

19,743,270 8,625,797 28,369,067

261,365,908 166,381,125 (8,625,797) (80,500,000) 338,621,236

1,576,482,631 166,381,125 (80,500,000) 1,662,363,756

1,150,000,000 141,185,450 1,150,000,000 141,185,450

4,188,003 4,188,003

28,369,067 9,690,090 38,059,157

338,621,236 178,922,302 (9,690,090) (115,000,000) 392,853,448

1,662,363,756 178,922,302 (115,000,000) 1,726,286,058

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

128

Consolidated financial statements Difference Retained earnings from Appropriated restructuring of statutory shareholding reserve Unappropriated

Statements of changes in shareholders没 equity Asia Sermkij Leasing Public Company Limited and its subsidiary For the years ended 31 December 2008 and 2007

(Unit: Baht)

Note

Issued and paid-up share capital

Separate financial statements Retained earnings Appropriated Share statutory premium reserve Unappropriated

Total

1,150,000,000 141,185,450 1,150,000,000 141,185,450

19,743,270 201,762,674 1,512,691,394 - 172,515,929 172,515,929 8,625,797 (8,625,797) - (80,500,000) (80,500,000) 28,369,067 285,152,806 1,604,707,323

1,150,000,000 141,185,450 1,150,000,000 141,185,450

28,369,067 9,690,090 38,059,157

285,152,806 1,604,707,323 193,801,812 193,801,812 (9,690,090) (115,000,000) (115,000,000) 354,264,528 1,683,509,135

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

129 Asia Sermkij Leasing Public Company Limited

Cash flow statements Asia Sermkij Leasing Public Company Limited and its subsidiary For the years ended 31 December 2008 and 2007 (Unit: Baht) Consolidated financial statements Separate financial statements 2008 2007 2008 2007 Cash flows from operating activities Net profit before tax 249,429,522 Adjustments to reconcile net profit to net cash provided by (paid from) operating activities: Bad debts and doubtful accounts 70,167,747 Provision for financial guarantee 22,000,000 Allowance for diminution in value of assets foreclosed (reversal) 5,615,463 Allowance for diminution in value of other long-term investments 17,280 Depreciation 12,941,364 Amortisation of intangible assets 616,258 Equipment written-off 1,066 (Gain) loss from revaluation of investments 1,129,050 Gain on disposals of equipment (769,020) Interest income (987,634,646) Interest expenses 441,303,100 Dividend income (46,800) Loss from operating activities before changes in operating assets and liabilities (185,229,616) Decrease (increase) in operating assets Hire purchase receivables (1,020,455,929) Financial lease receivables (45,792,187) Factoring receivables (16,854,730) Loan receivables 28,693,561 Assets foreclosed (40,923,895) Other current assets 3,681,738 Other non-current assets (40,532,943) Increase (decrease) in operating liabilities Amounts due to related parties 12,203,947 Other current liabilities 8,640,441 Rental deposits (5,000,000) Cash used in operating activities (1,301,569,613) Cash received from interest 984,167,447 Cash paid for interest expenses (429,826,259) Cash paid for corporate income tax (65,681,189) Net cash used in operating activities (812,909,614) The accompanying notes are an integral part of the financial statements.

130 Annual Report 2008

215,486,046

241,529,891

211,063,646

85,047,193 -

55,297,667 -

61,411,425 -

2,741,634 8,320 13,249,759 207,674 (204,750) (425,380) (903,423,607) 420,235,967 (49,725)

3,985,155 (5,237,045) 9,569,020 9,949,184 523,059 114,472 1,048 1,129,050 (204,750) (290,001) (748,340,176) (679,449,227) 356,906,361 344,018,336 (53,982,283) (57,493,207)

(167,126,869)

(133,671,209) (115,827,166)

(1,040,972,732) (1,072,160,649) (1,100,663,534) (109,059,965) (312,792,851) 1,555,718 28,693,561 (7,984,466) (13,297,724) (41,896,164) (2,671,864) (34,835,176) (16,564,637) (6,434,974) 1,492,756 (10,331,062) (2,301,893) (1,336,065) 4,221,455 (132,812) 38,803,142 23,924,927 10,841,044 (1,200,935) (1,638,770,701) (1,217,783,778) (1,225,175,665) 894,001,787 748,872,306 674,618,949 (412,727,272) (352,221,314) (336,252,557) (37,193,715) (53,182,411) (25,454,667) (1,194,689,901) (874,315,197) (912,263,940)

Cash flow statements (continued) Asia Sermkij Leasing Public Company Limited and its subsidiary For the years ended 31 December 2008 and 2007 (Unit: Baht) Consolidated financial statements Separate financial statements 2008 2007 2008 2007 Cash flows from investing activities Acquisitions of equipment Acquisitions of intangible assets Proceeds from disposals of equipment Dividend income Net cash from (used in) investing activities Cash flows from financing activities Increase (decrease) in short-term loans from banks Decrease in other short-term loans Repayment of long-term loans from related party Increase in long-term loans from related party Increase in long-term loans from a bank Dividend paid Net cash from financing activities Net increase in cash and cash equivalents Cash and cash equivalents at beginning of year Cash and cash equivalents at end of year (Note 20)

(5,891,861) (775,680) 1,236,570 46,800 (5,384,171)

(12,119,275) (749,300) 645,327 49,725 (12,173,523)

(65,055,805) 17,879,309 (40,000,000) (57,300,000) - (70,000,000) 600,000,000 400,000,000 500,000,000 1,000,000,000 (115,000,000) (80,500,000) 879,944,195 1,210,079,309 61,650,410 3,215,885 (32,206,184) (35,422,069) 29,444,226 (32,206,184)

(5,516,707) (775,680) 476,758 53,982,283 48,166,654

(7,816,336) (749,300) 57,493,207 48,927,571

215,000,000 (193,000,000) (40,000,000) (57,300,000) 300,000,000 200,000,000 500,000,000 1,000,000,000 (115,000,000) (80,500,000) 860,000,000 869,200,000 33,851,457 5,863,631 (36,410,003) (42,273,634) (2,558,546) (36,410,003)

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

131 Asia Sermkij Leasing Public Company Limited

Notes to consolidated financial statements Asia Sermkij Leasing Public Company Limited and its subsidiary For the years ended 31 December 2008 and 2007 1.

General information Asia Sermkij Leasing Public Company Limited (Ă§the CompanyĂŠ) is a public company incorporated and domiciled in Thailand. Its major shareholders are Chailease Finance Company Limited and AK Enterprise (Thailand) Company Limited, which have the same group of shareholders, and its ultimate parent company is Financial One Corporation. The Company is principally engaged in the auto hire purchase services and its registered address is 175 Sathorn City Tower, 24th Floor, South Sathorn Road, Tungmahamek, Sathorn, Bangkok.

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 14 September 2001, 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 such financial statements in Thai language. 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 Nature of business incorporation

Subsidiary

Bangkok Grand Pacific Lease Public Company Limited

b) c) d)

132 Annual Report 2008

Hire purchase, leasing Thailand and factoring

Assets as a percentage Percentage of to the consolidated total shareholding assets as at 31 December 2008 2007 2008 2007 (Percent) (Percent) (Percent) (Percent) 99.99

99.99

20.59

22.46

Revenues as a percentage to the consolidated total revenues for the years ended 31 December 2008 2007 (Percent) (Percent) 24.53

24.28

Subsidiary is fully consolidated as from the date of acquisition, being the date on which the Company obtains control, and continue to be consolidated until the date when such control ceases. The financial statements of the subsidiary are prepared for the same reporting period as the parent company, using consistent significant accounting policies. 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 shareholdersĂť equity.

2.3

Adoption of new accounting standards 3.1 Accounting standards which are effective for the current year The Federation of Accounting Professions has issued Notification No. 9/2550, 38/2550 and 62/2550 mandating the use of new accounting standards as follows: TAS 25 (revised 2007) Cash Flow Statements TAS 29 (revised 2007) Leases TAS 31 (revised 2007) Inventories TAS 33 (revised 2007) Borrowing Costs TAS 35 (revised 2007) Presentation of Financial Statements TAS 39 (revised 2007) Accounting Policies, Changes in Accounting Estimates and Errors TAS 41 (revised 2007) Interim Financial Reporting TAS 43 (revised 2007) Business Combinations TAS 49 (revised 2007) Construction Contracts TAS 51 Intangible Assets These accounting standards become effective for the financial statements for fiscal years beginning on or after 1 January 2008. The management has assessed the effect of these standards and believes that TAS 31, TAS 33 and TAS 49 are not relevant to the business of the Company and its subsidiary, and the other accounting standards do not have any significant impact on the financial statements for the current year. However, the Company had presented unearned hire purchase interest income and hire purchase interest income net of, respectively, deferred commission expenses and amortisation, in accordance with TAS 29 (revised 2007). 3.2

The separate financial statements, which present investments in subsidiary under the cost method, have been prepared solely for the benefit of the public.

Accounting standards which are not effective for the current year The Federation of Accounting Professions has also issued Notification No. 86/2551 mandating the use of the following new accounting standards: TAS 36 (revised 2007) Impairment of Assets TAS 54 (revised 2007) Non-current Assets Held for Sale and Discontinued Operations These accounting standards will become effective for the financial statements for fiscal years beginning on or after 1 January 2009. The management has assessed the effect of these standards and believes that they will not have any significant impact on the financial statements for the year in which they are initially applied.

Significant accounting policies 4.1 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.

133

Asia Sermkij Leasing Public Company Limited

c) d) e)

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. Operating lease income Operating lease income is recognised over the rent period. Penalty income Penalty income is recognised on an accrual basis. Income from recommending insurance services Income from recommending insurance services is recognised on an accrual basis.

4.2

Cash and cash equivalents Cash and cash equivalents in the balance sheet include cash in hand, cash at banks, and all highly liquid investment with an original maturity of 3 months or less and not subject to withdrawal restrictions. For the purpose of the cash flow statement, cash and cash equipments consist of cash and cash equivalents as defined above, net of outstanding bank overdrafts.

4.3

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 receivables没 status, ability to make payment and the value of collateral.

4.4

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.

4.5

Investments Investments in securities held for trading are stated at fair value. Gains or losses arising from changes in the carrying amounts of securities are included in determining profit. The fair value of marketable securities is based on the latest bid price of the last working day of the year as quoted on the Stock Exchange of Thailand. Investments in non-marketable equity securities, which are regarded as other investments, are 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.

134 Annual Report 2008

4.6

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.

4.7

Intangible assets Intangible assets are stated at cost less accumulated amortisation and allowance for loss on impairment of assets (if any). Amortisation is calculated by reference to cost on a straight-line basis over the expected future period, for which the assets are expected to generate economic benefit, as follows: Software 10 years The amortisation is included in determining profit. No amortisation is provided for software under installation.

4.8

Related party 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 Company没s operations.

4.9

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 subsidiary没s 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 subsidiary没s net investment outstanding in respect of the leases. Initial costs directly attributable to a hire purchase contract, such as commissions, are included in the measurement of the net investment in the lease and reflected in the calculation of the implicit interest rate. Leases under which the Company and the subsidiary retain substantially all the risks and rewards of ownership of the assets are classified as operating leases.

135 Asia Sermkij Leasing Public Company Limited

4.10 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 balance sheet date. Gains and losses on exchange are included in determining profit. 4.11 Impairment of assets At each reporting date, the Company and the subsidiary perform impairment reviews in respect of the property, building and equipment and other intangible assets whenever events or changes 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 asset没s 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 arm没s length transaction between knowledgeable, willing parties, after deducting the costs of disposal. An impairment loss is recognised in the income statement. 4.12 Employee benefits Salaries, wages, bonuses and contributions to the social security fund and provident fund are recognised as expenses when incurred. 4.13 Income tax Income tax is provided for in the accounts based on the taxable profits determined in accordance with tax legislation. 4.14 Provisions Provisions are recognised when the Company and the subsidiary has a present obligation as a result of a past event, it is probable that an outflow of resources embodying economic benefits will be required to settle the obligation, and a reliable estimate can be made of the amount of the obligation. 4.15 Interest rate swap contracts The net amounts of interest to be received from or paid to the counterparty under the interest rate swap contracts is recognised as income or expenses on an accrual basis. 5.

Significant accounting judgments and 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:

136 Annual Report 2008

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. 6.

Hire purchase receivables 6.1 As at 31 December 2008 and 2007, the balance of hire purchase receivables are as follows: (Unit: Baht)

Hire purchase receivables Less: Unearned hire purchase interest income Less: Allowance for doubtful accounts Hire purchase receivables - net

Consolidated financial statements Current portion of Long-term portion of hire purchase receivables hire purchase receivables Total 2007 2008 2007 2008 2007 2008 4,747,005,856 4,435,548,183 6,929,834,079 6,029,133,228 11,676,839,935 10,464,681,411 (733,491,897) (652,893,674) (706,455,301) (583,930,897) (1,439,947,198) (1,236,824,571) 4,013,513,959 3,782,654,509 6,223,378,778 5,445,202,331 10,236,892,737 9,227,856,840 (53,526,755) (62,382,569) (63,767,611) (57,205,546) (117,294,366) (119,588,115) 3,959,987,204 3,720,271,940 6,159,611,167 5,387,996,785 10,119,598,371 9,108,268,725

(Unit: Baht)

Hire purchase receivables Less: Unearned hire purchase interest income Less: Allowance for doubtful accounts Hire purchase receivables - net

Separate financial statements Current portion of Long-term portion of hire purchase receivables hire purchase receivables Total 2007 2008 2007 2008 2007 2008 4,158,679,623 3,784,858,777 6,547,652,177 5,655,314,681 10,706,331,800 9,440,173,458 (667,740,239) (581,601,751) (674,661,005) (554,401,903) (1,342,401,244) (1,136,003,654) 3,490,939,384 3,203,257,026 5,872,991,172 5,100,912,778 9,363,930,556 8,304,169,804 (31,789,405) (30,260,390) (53,507,894) (48,424,571) (85,297,299) (78,684,961) 3,459,149,979 3,172,996,636 5,819,483,278 5,052,488,207 9,278,633,257 8,225,484,843

137 Asia Sermkij Leasing Public Company Limited

6.2

As at 31 December 2008 and 2007, the balances of hire purchase receivables (net of unearned hire purchase interest income) are classified by aging as follows: (Unit: Baht) Age of receivables

Not yet due Past due 1 - 3 installments 4 - 6 installments 7 - 12 installments Over 12 installments Total Less: Allowance for doubtful accounts Hire purchase receivables - net 6.3

Consolidated financial statements 2008 2007

Separate financial statements 2008 2007

9,257,035,295 8,365,545,079

8,462,114,757 7,507,015,866

816,172,575 746,669,303 786,108,974 725,949,761 64,066,952 62,954,446 45,191,747 47,612,350 57,537,708 20,425,884 49,617,295 15,011,185 42,080,207 32,262,128 20,897,783 8,580,642 10,236,892,737 9,227,856,840 9,363,930,556 8,304,169,804 (117,294,366) (119,588,115) (85,297,299) (78,684,961) 10,119,598,371 9,108,268,725 9,278,633,257 8,225,484,843

As at 31 December 2008 and 2007, a reconciliation between gross investment in the hire purchase contracts together with the present value of future minimum lease payments receivables are as follows: (Unit: Baht) Consolidated financial statements 2008 2007 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 After one year but not more than five years More than five years Total Less: Amounts representing finance charges Net investment in hire purchase contracts

138 Annual Report 2008

4,747,005,856 4,013,513,959 4,435,548,183 3,782,654,509 6,887,045,164 6,182,218,930 6,008,352,263 5,425,294,798 42,788,915 41,159,848 20,780,965 19,907,533 11,676,839,935 10,236,892,737 10,464,681,411 9,227,856,840 (1,439,947,198) 10,236,892,737

(1,236,824,571) 9,227,856,840

(Unit: Baht) Separate financial statements 2008 2007 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 After one year but not more than five years More than five years Total Less: Amounts representing finance charges Net investment in hire purchase contracts 6.4

4,158,679,623 3,490,939,384 3,784,858,777 3,203,257,026 6,504,863,262 5,831,831,324 5,634,533,716 5,081,005,245 42,788,915 41,159,848 20,780,965 19,907,533 10,706,331,800 9,363,930,556 9,440,173,458 8,304,169,804 (1,342,401,244) 9,363,930,556

(1,136,003,654) 8,304,169,804

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 2008 the Company would have to increase its allowance for doubtful accounts by a total of Baht 30.41 million (2007: decrease by Baht 7.86 million) and reduce the amount of revenue recognised for the year ended 31 December 2008 by Baht 0.55 million (2007: Baht 0.44 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 2008, allowance for doubtful accounts has been set aside at an average rate of 0.91 percent (2007: 0.95 percent), without taking collateral values into account, which exceeds the historical loss on collection rate of 0.53 percent (average actual loss rate up to 31 December 2008 from hire purchase receivables at the end of the year 2001 to 2005). As at 31 December 2008, there are outstanding hire purchase receivables amounting to approximately Baht 45.91 million (2007: Baht 42.81 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 receivables没 status, ability to make payment and the value of collateral.

139 Asia Sermkij Leasing Public Company Limited

6.5

As at 31 December 2008 and 2007, the Company had assigned collection rights over hire purchase receivables with outstanding balances (before net of unearned hire purchase interest income) of Baht 5,370.93 million and Baht 4,389.82 million, respectively, in order to secure credit facilities granted by commercial banks as discussed in Note 16 and Note 18.

6.6

As at 31 December 2008 and 2007, the Company and the subsidiary had hire purchase receivables (net of unearned hire purchase interest income) amounting to approximately Baht 85.12 million and Baht 50.11 million, respectively, for which revenue recognition has ceased (Separate financial statements: Baht 74.22 million and Baht 29.54 million, respectively).

6.7

The hire purchase agreements of the Company and the subsidiary have terms of 36-48 months and require settlement in equal installments.

Financial lease receivables 7.1 As at 31 December 2008 and 2007, the balance of financial lease receivables are as follows: (Unit: Baht) Consolidated financial statements Current portion of financial Long-term portion of lease receivables financial lease receivables Total 2008 2007 2008 2007 2008 2007

Financial lease receivables Less: Unearned interest income Less: Allowance for doubtful accounts Financial lease receivables - net

7.2

419,361,670 (54,835,322) 364,526,348 (9,018,269) 355,508,079

383,245,058 (53,655,863) 329,589,195 (11,190,094) 318,399,101

405,464,380 (31,223,688) 374,240,692 (6,800,698) 367,439,994

395,649,956 (32,907,532) 362,742,424 (4,881,336) 357,861,088

824,826,050 (86,059,010) 738,767,040 (15,818,967) 722,948,073

778,895,014 (86,563,395) 692,331,619 (16,071,430) 676,260,189

As at 31 December 2008 and 2007, the balance of financial lease receivables (net of unearned interest income) is classified by aging as follows: (Unit: Baht) Consolidated financial statements Age of receivables 2008 2007 Not yet due 707,652,040 666,623,910 Past due 1 - 3 installments 15,480,245 12,695,444 4 - 6 installments 5,759,385 389,678 7 - 12 installments 3,567,126 3,976,325 Over 12 installments 6,308,244 8,646,262 Total 738,767,040 692,331,619 Less: Allowance for doubtful accounts (15,818,967) (16,071,430) Financial lease receivables - net 722,948,073 676,260,189

140 Annual Report 2008

7.3

As at 31 December 2008 and 2007 minimum lease payments in the financial lease contracts together with the present value of future minimum lease payments receivables are as follows: (Unit: Baht) Consolidated financial statements 2008

Within one year After one year but not more than five years Total Less: Amounts representing finance charges Net investment in hire purchase contracts

2007

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 419,361,670 364,526,348 383,245,058 329,589,195 405,464,380 374,240,692 395,649,956 362,742,424 824,826,050 738,767,040 778,895,014 692,331,619 (86,059,010) (86,563,395) 738,767,040 692,331,619

7.4

As at 31 December 2008 and 2007, the subsidiary had financial lease receivables (net of unearned interest income) amounting to approximately Baht 3.51 million and Baht 8.50 million, respectively, for which revenue recognition has ceased.

7.5

The subsidiary没s financial lease agreements have terms of 36 - 48 months and require settlement in equal installments.

Factoring receivables 8.1 As at 31 December 2008 and 2007, the balances of factoring receivables are as follows: (Unit: Baht) Consolidated financial statements Current portion of Long-term portion of factoring receivables factoring receivables Total 2008 2007 2008 2007 2008 2007

Factoring receivables Less: Factoring payables Less: Unearned interest income Less: Allowance for doubtful accounts Factoring receivables - net

1,049,071,696 996,570,297 (239,683,625) (205,250,876) (990,158) 809,388,071 790,329,263 (24,391,949) 784,996,122

(23,356,930) 766,972,333

5,940,480 5,940,480

7,154,400 1,055,012,176 1,003,724,697 - (239,683,625) (205,250,876) (282,364) (1,272,522) 6,872,036 815,328,551 797,201,299

(31,683) 5,908,797

(230,036) 6,642,000

(24,423,632) 790,904,919

(23,586,966) 773,614,333

141 Asia Sermkij Leasing Public Company Limited

8.2

As at 31 December 2008 and 2007, the balances of factoring receivables - net are classified by aging as follows: (Unit: Baht) Consolidated financial statements Age of receivables 2008 2007 Not yet due 749,092,643 734,375,065 Past due 1 - 3 months 45,782,850 41,418,738 4 - 6 months 205,440 3,317,492 7 - 12 months 1,752,000 530,277 Over 12 months 18,495,618 17,559,727 Total 815,328,551 797,201,299 Less: Allowance for doubtful accounts (24,423,632) (23,586,966) Factoring receivables - net 790,904,919 773,614,333 8.3

As at 31 December 2008 and 2007, the subsidiary had factoring receivables (after deducting factoring payables and unearned interest income) amounting to approximately Baht 19.65 million and Baht 23.25 million, respectively, for which revenue recognition had ceased.

Loan receivables 9.1 As at 31 December 2008 and 2007, the balances of loan receivables are as follows: (Unit: Baht) Consolidated financial statements Current portion of Long-term portion of loan receivables loan receivables Total 2008 2007 2008 2007 2008 2007

Loan receivables Less: Allowance for doubtful accounts Loan receivables - net

23,623,869

58,378,057

5,470,385

29,094,254

58,378,057

(1,129,911) 22,493,958

(1,397,174) 56,980,883

(43,764) 5,426,621

(1,173,675) 27,920,579

(1,397,174) 56,980,883

(Unit: Baht) Current portion of loan receivables 2008 2007 Loan receivables Less: Allowance for doubtful accounts Loan receivables - net

142 Annual Report 2008

Separate financial statements Long-term portion of loan receivables 2008 2007

Total 2008

2007

18,634,438

47,918,241

18,634,438

47,918,241

(1,089,996) 17,544,442

(1,344,875) 46,573,366

(1,089,996) 17,544,442

(1,344,875) 46,573,366

9.2

As at 31 December 2008 and 2007, the balances of loan receivables are classified by aging as follows: (Unit: Baht) Age of receivables

Not yet due Past due 1 - 3 installments 4 - 6 installments 7 - 12 installments Over 12 installments Total Less: Allowance for doubtful accounts Loan receivables - net

Consolidated financial statements 2008 2007

Separate financial statements 2008 2007

26,458,796

57,486,625

15,998,980

47,026,809

1,095,979 1,156,066 123,586 259,827 29,094,254 (1,173,675) 27,920,579

351,543 285,149 90,428 164,312 58,378,057 (1,397,174) 56,980,883

1,095,979 1,156,066 123,586 259,827 18,634,438 (1,089,996) 17,544,442

351,543 285,149 90,428 164,312 47,918,241 (1,344,875) 46,573,366

10. Assets foreclosed As at 31 December 2008 and 2007, assets foreclosed are as follows: (Unit: Baht) Consolidated financial statements 2008 2007

Repossessed assets Less : Allowance for diminution in value of assets foreclosed Assets foreclosed - net

Separate financial statements 2008 2007

34,750,570

26,855,088

25,823,748

10,307,153

(9,404,452) 25,346,118

(10,078,953) 16,776,135

(6,085,430) 19,738,318

(2,100,274) 8,206,879

11. Investment in subsidiary Details of investments in subsidiary as presented in separate financial statements are as follows: (Unit: Baht)

Subsidiary

Paid-up Capital 2008 2007 (Baht) (Baht)

Bangkok Grand Pacific Lease Public Company Limited 438,500,000 438,500,000

Percentage of shareholding 2008 2007 (Percent) (Percent) 99.99

Cost 2008

2007

Dividend received during the year 2008 2007

99.99 446,913,607 446,913,607 53,935,483 57,443,482

143 Asia Sermkij Leasing Public Company Limited

12. Other long-term investment As at 31 December 2008 and 2007, other long-term investment is as follows: (Unit: Baht) Paid-up capital (Baht)

Nature of business Other investment Bangkok Club Company Limited Less: Allowance for diminution in value of other long-term investment Other long-term investment - net

Sales of foods and beverage

450,000,000

Percentage of shareholding (Percent) 0.14

Consolidated financial statements 2008 2007

1,140,000

(828,960) 311,040

(811,680) 328,320

13. Land, building and equipment (Unit: Baht)

Cost 31 December 2007 Additions Transferred from assets foreclosed Disposals 31 December 2008 Accumulated depreciation 31 December 2007 Depreciation for the year Depreciation on disposals 31 December 2008 Net book value 31 December 2007 31 December 2008 Depreciation for the year 2007 2008

144 Annual Report 2008

Land

Consolidated financial statements Furniture, fixtures and Building equipment Vehicles

2,430,000 2,430,000

6,770,000 6,770,000

78,898,086 36,011,283 124,109,369 5,866,740 25,121 5,891,861 - 1,599,015 1,599,015 (1,367,000) (2,227,191) (3,594,191) 83,397,826 35,408,228 128,006,054

4,423,070 338,500 4,761,570

60,758,143 21,404,944 7,340,985 5,261,879 (1,248,988) (1,876,587) 66,850,140 24,790,236

86,586,157 12,941,364 (3,125,575) 96,401,946

2,430,000 2,430,000

2,346,930 2,008,430

18,139,943 16,547,686

37,523,212 31,604,108

14,606,339 10,617,992

Total

13,249,759 12,941,364

(Unit: Baht)

Land

Separate financial statements Furniture, fixtures and Building equipment Vehicles

2,430,000 2,430,000

6,770,000 6,770,000

59,007,012 5,516,707 (929,770) 63,593,949

21,243,587 1,240,136 (620,136) 21,863,587

89,450,599 5,516,707 1,240,136 (1,549,906) 94,657,536

4,423,070 338,500 4,761,570

44,578,886 6,132,405 (811,776) 49,899,515

13,778,590 3,098,115 (550,325) 16,326,380

62,780,546 9,569,020 (1,362,101) 70,987,465

2,430,000 2,430,000

2,346,930 2,008,430

14,428,126 13,694,434

7,464,997 5,537,207

26,670,053 23,670,071

Total

9,949,184 9,569,020

As at 31 December 2008 and 2007, certain equipment items of the Company and the subsidiary have been fully depreciated but are still in use. The original cost of those assets amounted to approximately Baht 58.69 million and Baht 52.54 million, respectively (Separate financial statements: Baht 41.77 million and Baht 34.49 million, respectively). 14. Intangible assets Consolidated financial statements Software under Software installation Total Cost 31 December 2007 Additions Transferred in Transferred out 31 December 2008

(Unit: Baht) Separate financial statements Software under Software installation Total

145 Asia Sermkij Leasing Public Company Limited

Consolidated financial statements Software under Software installation Total Accumulated amortisation 31 December 2007 Amortisation for the year 31 December 2008 Net book value 31 December 2007 31 December 2008 Amortisation for the year 2007 2008

(Unit: Baht) Separate financial statements Software under Software installation Total

217,272 616,258 833,530

115,899 523,059 638,958

1,937,728 16,266,759

17,712,298 3,542,689

19,650,026 19,809,448

1,107,101 15,529,331

14,169,609 -

15,276,710 15,529,331

207,674 616,258

114,472 523,059

15. Other non-current assets As at 31 December 2008 and 2007, the Company and the subsidiary had hire purchase receivables, financial lease receivables and factoring receivables totaling Baht 95.72 million and Baht 73.74 million, respectively, (Separate financial statements: hire purchase receivables of Baht 23.83 million and Baht 17.76 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. 16. Bank overdrafts and short-term loans from financial institutions As at 31 December 2008 and 2007, bank overdrafts and short-term loans from banks are presented as follows: (Unit: Baht) Consolidated financial statements 2008 2007

Bank overdrafts Short-term loans from banks Total

Separate financial statements 2008 2007

31,655,993 75,941,886 29,566,928 58,729,823 5,530,942,890 5,595,998,695 4,230,000,000 4,015,000,000 5,562,598,883 5,671,940,581 4,259,566,928 4,073,729,823

Short-term loans from financial institutions are denominated in Baht and carry interest at the floating and fixed rates with reference to the market rates.

146 Annual Report 2008

As at 31 December 2008, loans of the Company and the subsidiary obtained from Bangkok Bank Public Company Limited are clean loans, while other loans are secured by the assignment of collection rights over hire purchase receivables of the Company, as discussed in Note 6.5, and guaranteed by Financial One Corporation (2007: loans obtained from Bangkok Bank Public Company Limited were clean loans, and other loans were secured by the assignment of collection rights over hire purchase receivables of the Company, as discussed in Notes 6.5, and Standby Letter of Credit issued by a related foreign bank and guaranteed by Chailease Finance Company Limited). 17. Other short-term loans As at 31 December 2008 and 2007, other short-term loans consisted of promissory notes which the Company issued to companies and individuals. They are unsecured and carry interest at the fixed rates with reference to the market rates. 18. Long-term loans from a bank The Baht 500 million long-term loans from a local bank are to be repaid in full in June 2010, and are subject to interest at a fixed rate. The Baht 1,800 million long-term loans from a local bank are to be repaid in full in June 2009, March and May 2010, and are subject to interest at a rate based on THBFIX. Long-term loans are secured by the assignment of collection rights over hire purchase receivables of the Company, as discussed in Note 6.5. The loan agreements contain certain covenants and restrictions, pertaining to matters such as maintenance of the shareholding of the major shareholders and restrictions on dividend payment. To hedge the associated interest rate risk of principal of Baht 1,800 million, the Company entered into interest rate swap agreements, as detailed in Note 28.1. 19. 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 financial Separate financial statements statements Pricing policy 2008 2007 2008 2007 Subsidiary Management fee income 15.26 14.74 Cost plus margin of 10 percent Guarantee fee income 1.00 0.44 0.50 percent per annum Interest expenses 4.47 - Close to interest rates of other loans with similar conditions

147 Asia Sermkij Leasing Public Company Limited

(Unit: Million Baht) Consolidated financial Separate financial statements statements 2008 2007 2008 2007

Pricing policy

Related persons and companies Rental and service fee Sathorn City Tower Property Fund Bangkok Garden Property Fund Insurance premium Bangkok Insurance Public Company Limited Interest expenses Bangkok Bank Public Company Limited Mr. Jeffrey Koo Others

Close to rental rates of other buildings in the same area 14.30 0.60 14.90

13.59 0.60 14.19

11.15 0.60 11.75

10.66 0.60 11.26 Close to general insurance premium

1.14

1.23

0.88

0.92 Close to interest rates of other loans with similar conditions

203.66 1.71 205.37

146.72 1.19 2.28 150.19

135.78 135.78

104.02 104.02

Fee of Standby Letter of Credit and guarantee fee China Trust Commercial Bank Bangkok Bank Public Company Limited Major shareholder Guarantee fee Ultimate parent company Guarantee fee

148 Annual Report 2008

Close to guarantee fee for other loans with similar conditions 0.02

14.01

0.01

10.96

0.91 0.93

0.90 14.91

0.01

10.96

3.89

1.60

2.97

1.60 1 percent per annum

0.16

- 1 percent per annum

The relationships between the Company and its related parties are summarised below: Name of related parties Financial One Corporation Chailease Finance Company Limited Bangkok Grand Pacific Lease Public Company Limited Bangkok Bank Public Company Limited Bangkok Insurance Public Company Limited Mr. Jeffrey Koo Sathorn City Tower Property Fund Bangkok Garden Property Fund China Trust Commercial Bank

Relationship with the Company Ultimate parent company The Companyûs major shareholder Subsidiary The Companyûs shareholder The Companyûs shareholder Founder of Koo family business group Related party of the Companyûs shareholder Related party of the Companyûs shareholder Related company with the Companyûs major shareholder

Directors and managementûs remuneration In 2008 and 2007 the Company and the subsidiary paid salaries, bonus, meeting allowances and gratuities to their directors and management totaling Baht 34.20 million and Baht 33.13 million, respectively. As at 31 December 2008 and 2007, the Company and the subsidiary had outstanding balances of significant assets and liabilities with the related parties as follows: (Unit: Baht) Consolidated financial statements 2008 2007

Cash and cash equivalents Bangkok Bank Public Company Limited Prepaid fee expenses Bangkok Bank Public Company Limited China Trust Commercial Bank Total Prepaid insurance premium Bangkok Insurance Public Company Limited Bank overdrafts and short-term loans from financial institutions Bangkok Bank Public Company Limited Short-term loans from related party Bangkok Insurance Public Company Limited Amount due to related parties Bangkok Bank Public Company Limited Chailease Finance Company Limited Financial One Corporation Total

Separate financial statements 2008 2007

53,318,073

35,038,466

19,946,320

14,564,506

253,973 253,973

249,041 19,506 268,547

9,363 9,363

292,117

605,332

61,567

335,300

2,511,655,993

2,335,941,886

60,000,000

17,008,926 3,890,716 156,367 21,056,009

7,256,973 1,595,089 8,852,062

7,410,036 2,967,402 156,367 10,533,805

4,717,260 1,595,089 6,312,349

1,439,566,928 1,548,729,823

149 Asia Sermkij Leasing Public Company Limited

As at 31 December 2008 and 2007 bank overdraft and short-term loans from related parties are unsecured, denominated in Baht and carry interest at the fixed rates with reference to the market rates. Long-term loans from a related party are as follows: (Unit: Baht) Consolidated financial statements 2008 2007

Long-term loans from related parties Bangkok Bank Public Company Limited Total Less: Current portion of long-term loans Net

Separate financial statements 2008 2007

2,000,000,000 1,400,000,000 1,500,000,000 1,200,000,000 2,000,000,000 1,400,000,000 1,500,000,000 1,200,000,000 - (1,000,000,000) - (1,000,000,000) 2,000,000,000 400,000,000 1,500,000,000 200,000,000

Long-term loans from a related party are unsecured and denominated in Baht which have the following details: a) A loan of Baht 1,000 million was repaid in full within September 2008, and carries interest at a fixed rate with reference to the market rate, paid every month-end. b) A loan of Baht 400 million is to be repaid in full within August 2010, and carries interest at a fixed rate with reference to the market rate for the first year and at a floating rate for the second and third year, to be paid every month-end (Separate financial statements: Baht 200 million). c) A loan of Baht 1,600 million is to be repaid in full within August 2010, and carries interest at a fixed rate with reference to the market rate, to be paid every month-end (separate financial statements: Baht 1,300 million). During the year, short-term and long-term loans from related parties have movement as follows: (Unit: Baht) Consolidated financial statements Short-term loans from a related party Balance as at 1 January 2008 60,000,000 Increase (decrease) during the year Balance as at 31 December 2008 60,000,000

Consolidated financial statements Long-term loans from a related party Balance as at 1 January 2008 Decrease during the year Increase during the year Balance as at 31 December 2008

1,400,000,000 (1,000,000,000) 1,600,000,000 2,000,000,000

(Unit: Baht) Separate financial statements 1,200,000,000 (1,000,000,000) 1,300,000,000 1,500,000,000

Commitments and guarantees to/by related parties As at 31 December 2008 and 2007, the Company had provided guarantees of short-term loans to the subsidiary totaling Baht 200 million.

150 Annual Report 2008

20. Cash and cash equivalents As at 31 December 2008 and 2007, cash and cash equivalents in cash flow statements consisted of: (Unit: Baht) Consolidated financial statements 2008 2007

Cash and deposits at financial Institutions Less: Bank overdrafts Cash and cash equivalents

61,100,218 (31,655,992) 29,444,226

43,735,702 (75,941,886) (32,206,184)

Separate financial statements 2008 2007

27,008,382 (29,566,928) (2,558,546)

22,319,820 (58,729,823) (36,410,003)

21. 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. 22. Expenses by nature Significant expenses by nature are as follow: (Unit: Baht) Consolidated financial statements 2008 2007

Salary and wages and other employee benefits Depreciation Amortisation expenses Rental expenses

235,589,459 12,941,364 616,258 20,999,206

198,524,924 13,249,759 207,674 19,403,324

Separate financial statements 2008 2007

189,249,305 9,569,020 523,059 16,661,761

157,713,862 9,949,184 114,472 15,560,267

23. Basic earnings per share Basic earnings per share are calculated by dividing the net profit for the year by the weighted average number of ordinary shares in issue during the year. 24. 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. 25. 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 2008 and 2007, the Company and subsidiary contributed Baht 5.09 million and Baht 4.39 million, respectively (Separate financial statements: Baht 4.31 million and Baht 3.76 million, respectively) to the fund.

151 Asia Sermkij Leasing Public Company Limited

26. Dividend paid Dividends declared in 2008 and 2007 consist of the followings:

Dividends Final dividends for 2006 Final dividends for 2007

Approved by Annual General Meeting of the shareholders on 25 April 2007 Annual General Meeting of the shareholders on 25 April 2008

Total dividends 80,500,000 115,000,000

(Unit: Baht) Dividend per share 0.35 0.50

27. Commitments As at 31 December 2008, the subsidiary has obligations as the guarantor of factoring receivables of companies amounting to JPY 101 million and USD 1.24 million, or Baht 82.64 million (2007: JPY 48.97 million and USD 0.32 million or Baht 25.55 million). 28. Financial instruments 28.1 Financial risk management The Company and the subsidiary没s financial instruments, as defined under Thai Accounting Standard No. 48 莽Financial Instruments: Disclosure and Presentations茅, principally comprise cash and cash equivalents, account and loan receivables, investments, and short-term and long-term loans. The financial risks associated with these financial instruments and how they are managed is described below.

Credit 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. Therefore the Company and the subsidiary do not expect to incur material financial losses in excess of the allowances for doubtful accounts they have already provided. Interest rate risk The Company and the subsidiary没s 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 2008 and 2007 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.

152 Annual Report 2008

(Unit: Million Baht) Consolidated financial statements 2008 Fixed interest rates Within Floating Non-interest 1 year 1-5 years interest rate bearing Financial assets - Cash and cash equivalents - Hire purchase receivables - Financial lease receivables - Factoring receivables - Loan receivables Financial liabilities - Bank overdrafts and short-term loans from banks - Short-term loans from a related party - Other short-term loans - Long-term loans from a related party - Long-term loans from a bank

Total

4,013.51 364.53 4.54 23.62 4,406.20

6,223.38 374.24 5.94 6,603.56

46.42 804.85 5.47 856.74

14.68 14.68

61.10 10,236.89 738.77 815.33 29.09 11,881.18

5,530.94 60.00 10.00 5,600.94

1,600.00 500.00 2,100.00

31.66 400.00 1,800.00 2,231.66

5,562.60 60.00 10.00 2,000.00 2,300.00 9,932.60

(Unit: Million Baht) Consolidated financial statements 2007 Fixed interest rates Within Floating Non-interest 1 year 1-5 years interest rate bearing Financial assets - Cash and cash equivalents - Hire purchase receivables - Financial lease receivables - Factoring receivables - Loan receivables

3,782.65 329.59 13.40 58.38 4,184.02

5,445.21 362.74 7.15 5,815.10

31.44 776.65 808.09

12.29 12.29

Total 43.73 9,227.86 692.33 797.20 58.38 10,819.50

153 Asia Sermkij Leasing Public Company Limited

(Unit: Million Baht) Consolidated financial statements 2007 Fixed interest rates Within Floating Non-interest 1 year 1-5 years interest rate bearing Financial liabilities - Bank overdrafts and short-term loans from banks - Short-term loans from a related party - Other short-term loans - Long-term loans from a related party - Long-term loans from a bank

5,596.00 60.00 50.00 1,000.00 6,706.00

400.00 400.00

75.94 1,800.00 1,875.94

Total

5,671.94 60.00 50.00 1,400.00 1,800.00 8,981.94

As at 31 December 2008 and 2007, the Company had entered into interest rate swap agreements as follow:

Contract date

18 November 2005

Due date

Notional Interest amount receipt rate (Million Baht) (Percent)

18 November 2008

400

29 June 2006

29 June 2009

600

29 June 2006

29 June 2009

200

14 January 2008 15 January 2008

19 March 2010 11 May 2010

500 500

Interest payment rate (Percent)

Floating rate Fixed rate for first year, floating rate for the next 2 years Floating rate Fixed rate for first year, floating rate for the next 2 years Floating rate Fixed rate for first year, floating rate for the next 2 years Floating rate Fixed rate Floating rate Fixed rate

Net fair value favorable (unfavorable) 2008 2007 (Million Baht) (Million Baht)

(11.22)

11.22

(1.39)

(3.04)

1.65

(0.46)

(1.02)

0.56

(14.82) (16.08)

Fair value represented gain (loss) from mark to market as at the balance sheet date.

154 Annual Report 2008

Change in fair value (Million Baht)

(14.82) (16.08)

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 27. 28.2 Fair values Methodology of fair value measurement depends upon characteristics of the financial instruments. For the financial instruments which are traded in an active market, fair value is determined based on the latest quoted market price. If, however, the appropriate quoted market price cannot be determined, the fair value is determined using an appropriate valuation technique such as discounted cash flow. Since the majority of financial assets and financial liabilities are short-term in nature, and the interest rates of loan receivables and loan payables are approximate the market rate, the fair values of financial assets and financial liabilities are close to the carrying value presented in the balance sheet. 28.3 Capital management The primary objective of the Groupûs capital management is to ensure that it has an appropriate financial structure and preserves the ability to continue its business as a going concern. According to the balance sheet as at 31 December 2008, the Groupûs debt-to-equity ratio was 5.9:1 (2007: 5.5:1) and the Companyûs was 4.9:1 (2007: 4.5:1).

155 Asia Sermkij Leasing Public Company Limited

29. Reclassification Certain amounts in the financial statements for the year ended 31 December 2007 have been reclassified to conform to the current year没s classification but with no effect to previously reported net income or shareholders没 equity. The reclassifications are as follow: (Unit: Baht) Consolidated financial statements

As reclassified Deferred commission expenses Current portion of hire purchase receivables 3,720,271,940 Hire purchase receivables - net of current portion 5,387,996,785 Hire purchase interest income 779,631,402 Dividend income 49,725 Other income 58,223,269 Selling and administrative expenses Selling expenses 57,036,356 Administrative expenses 253,609,765 Finance costs 440,008,757 Interest expenses Bad debts and doubtful accounts 85,047,193

Separate financial statements

As previously As previously reported As reclassified reported 45,886,366 45,886,366 3,696,175,483 3,172,996,636 3,148,900,179 5,366,206,876 5,052,488,207 5,030,698,298 806,368,168 675,047,650 701,784,416 57,493,207 57,443,482 53,035,949 46,734,808 46,784,533 351,699,130 - 278,556,739 41,644,519 - 194,793,393 - 359,400,397 420,235,967 - 344,018,336 85,266,695 -

30. Approval of financial statements These financial statements were authorised for issue by the Company没s Board of Directors on 25 February 2009.

156 Annual Report 2008

24th Fl., Sathorn City Tower, 175 South Sathorn Rd., Tungmahamek, Sathorn, Bangkok 10120 Tel : (66) 0-2679-6226, 0-2679-6262 Fax : (66) 0-2679-6241-3 Website : www.ask.co.th