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°‘®°√√¡¢Õß ¡“§¡ª√–°—π™’«‘μ‰∑¬„π√Õ∫ªï∫√‘À“√ 1 °√°Æ“§¡ 2548 - 30 ¡‘∂ÿπ“¬π 2549 ‰¥â¡’°“√ à߇ √‘¡ π—∫ πÿπ√à«¡°—∫ Õߧå°√¿“¬πÕ°·≈–°—∫∫√‘…—∑ ¡“™‘°„π∑ÿ°¥â“π Õ—π‡°’Ë¬«‡π◊ËÕ߇æ◊ËÕ°“√æ—≤π“∏ÿ√°‘®ª√–°—π™’«‘μ‚¥¬ à«π√«¡ ´÷Ëß¡’√“¬≈–‡Õ’¬¥¥—ßμàÕ‰ªπ’È 1. °“√·μàßμ—Èß·≈–¡Õ∫À¡“¬ºŸâ·∑π ¡“§¡ ‡¢â“√à«¡°‘®°√√¡°—∫Õߧå°√¿“¬πÕ° Appointment and assignment of TLAA representatives to participate with other organizations 1.1. „À⺟â·∑π‡¢â“√à«¡‡ªìπ§≥–°√√¡°“√ à߇ √‘¡¬°√–¥—∫∏√√¡“¿‘∫“≈„π∏ÿ√°‘®ª√–°—π¿—¬ TLAA representative represented in the Corporate Governance Committee for life insurance business. 1.2. „À⺷⟠∑π‡¢â“√à«¡‡ªìπ§≥–∑”ß“π‡μ√’¬¡§«“¡æ√âÕ¡‚§√ß°“√ ROSCs ¥â“π Insurance Supervision TLAA representative represented in the Working Committee for ROSCs in the insurance supervision. 1.3. „À⺟â·∑π‡¢â“√à«¡æ‘®“√≥“°“√¢¬“¬§«“¡§ÿ⡧√Õß Ÿàª√–°—π —ߧ¡·√ßß“ππÕ°√–∫∫ °—∫ ”π—°ß“πª√–°—π —ߧ¡‚¥¬æ‘®“√≥“‡æ‘Ë¡°“√„Àâ ‘∑∏‘ª√–‚¬™πå°√≥’‡®Á∫ªÉ«¬ πÕ°‡Àπ◊Õ®“° °√≥’∑ÿææ≈¿“æ 쓬 ·≈–™√“¿“æ TLAA representative reviewed the coverage extension of out-of-system social security with Social Security Office to consider additional sickness benefits other than disabilities, death, and aging. 1.4. „À⺟â·∑π‡¢â“√à«¡‡ªìπ§≥–Õπÿ°√√¡°“√μ‘¥μ“¡º≈°√–∑∫®“°°“√‡ªî¥‡¢μ°“√§â“‡ √’ ª√–®”ªï 2548-2550 TLAA representative participated in the Supervisory Subcommittee on FTA Impact for the year 2005-2007. 1.5. „À⺟â·∑π‡¢â“√à«¡‡ªìπ§≥–∑”ß“π°”Àπ¥À≈—°‡°≥±å°“√„À⧫“¡‡ÀÁπ™Õ∫·∫∫·≈– ¢âÕ§«“¡°√¡∏√√¡åª√–°—π¿—¬Õÿ∫—쑇Àμÿ ·≈– ÿ¢¿“æ TLAA representative participated in the Working Committee on Approval Guideline of Forms and Statements of PA and Health Policy. 1.6. „À⺟â·∑π ¡“§¡ª√–°—π™’«‘μ‰∑¬‡¢â“√à«¡ª√–™ÿ¡ 22nd Pacific Insurance Conference ≥ °√ÿ߉∑‡ª ª√–‡∑»‰μâÀ«—π ´÷Ëß°”Àπ¥®—¥ß“π√–À«à“ß«—π∑’Ë 23-26 μÿ≈“§¡ 2548 TLAA representative attended the 22nd Pacific Insurance Conference in Taipei between October 23-26, 2005. 1.7. „À⺟â·∑π‡¢â“√à«¡ª√–™ÿ¡°—∫°√¡‡®√®“°“√§â“√–À«à“ߪ√–‡∑» ·≈– United States Agency for International Development (USAID) √«¡∑—ÈߺŸâ·∑πÀπ૬ߓπ∑’ˇ°’ˬ«¢âÕß∑—Èß¿“§√—∞ ·≈–¿“§‡Õ°™π ‡æ◊ËÕ°“√æ—≤π“√–∫∫®—¥‡°Á∫¢âÕ¡Ÿ≈ ∂‘μ‘¿“§∫√‘°“√¢Õ߉∑¬ ‡æ◊ËÕª√–‚¬™πåμàÕ °“√‡®√®“°“√§â“‡ √’ ‰∑¬- À√—∞œ ‡¡◊ËÕ«—π∑’Ë 5 ·≈– 7 °—𬓬π 2548 ≥  ”π—°ß“πª≈—¥ °√–∑√«ßæ“≥‘™¬å TLAA representative attended a meeting with Department of Trade Negotiations and United States Agency for International Development (USAID) together other related government and private agencies to develop database system to keep track of statistics on thai service sectors to benefit Thai-US trade negotiation at the Office of the Permanent Secretary, Ministry of Commerce, on September 5 and 7, 2005.

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Activities of TLAA within the executive year July 1, 2005 - June 30, 2006 were supported and promoted by other related organizations and member companies as to develop overall life insurance business as follows. 1.8. „À⺟â·∑π‡¢â“√à«¡ —¡¡π“ ‡√◊ËÕß çCorporate Governance for Insurance Businessé √–À«à“ß«—π∑’Ë 1-2 惻®‘°“¬π 2548 ≥ ÀâÕ߇≈‘»«π“≈—¬ ‚√ß·√¡ª“√å§π“¬‡≈‘» ·√ø‡øî≈ å Õ‘π‡μÕ√å‡π™—Ëπ·π≈ ∂.«‘∑¬ÿ TLAA representative attended a seminar on çCorporate Governance for Insurance Businessé at Lert Wanalai Room, Park Nai Lert Hotel, Raffles International, Wireless Road, between November 1-2, 2005. 1.9. „À⺟â·∑π‡¢â“√à«¡øíß√“¬ß“πº≈°“√«‘®—¬°“√‡ªî¥‡¢μ°“√§â“‡ √’ (FTA) ¢Õß»Ÿπ¬å«‘®—¬ ¡À“«‘∑¬“≈—¬∏√√¡»“ μ√å ‡¡◊ËÕ«—π∑’Ë 10 μ.§. 48 ≥ ‚√ß·√¡ ¬“¡´‘μ’È ∂.»√’Õ¬ÿ∏¬“ TLAA representative listened in on the FTA Research Report of Thammasat Research Center at Siam City Hotel, Sri Ayudhya Road, on October 10, 2005. 1.10. „À⺟â·∑πª√–™ÿ¡√à«¡°—∫§≥–°√√¡“∏‘°“√°“√æ—≤π“ —ß§¡·≈–§«“¡¡—Ëπ§ß¢Õß ¡πÿ…¬å·≈–§≥–°√√¡“∏‘°“√°“√μà“ߪ√–‡∑» ‡¡◊ËÕ«—π∑’Ë 27 μÿ≈“§¡ 2548 ‡æ◊ËÕæ‘®“√≥“‡√◊ËÕß √à“ß°Æ°√–∑√«ß°”Àπ¥∏ÿ√°‘®∫√‘°“√∑’‰Ë ¡àμÕâ ߢÕÕπÿ≠“μ À√◊ÕÀπ—ß ◊Õ√—∫√Õß„π°“√ª√–°Õ∫∏ÿ√°‘® ¢Õߧπμà“ߥ⓫ æ.».... TLAA representative joined with Committee on Social Development and Human Sustainability and Committee on Foreign Affairs on October 27, 2005 to review the Drafted Ministerial Regulation on Exempted Business for Foreigners B.E.... 1.11. „À⺟â·∑πª√–™ÿ¡√à«¡°—∫§≥–°√√¡“∏‘°“√°“√æ“≥‘™¬å  ¿“ºŸâ·∑π√“…Æ√ ‡¡◊ËÕ«—π∑’Ë 27 μÿ≈“§¡ 2548 ‚¥¬æ‘®“√≥“À“√◊Õ‡°’ˬ«°—∫  ∂“π°“√≥å·≈–¿“æ√«¡°“√ª√–°—π¿—¬„π¿“«– ªí®®ÿ∫—π ªí≠À“ Õÿª √√§ °“√¥”‡π‘π∏ÿ√°‘®·≈–°“√≈ß∑ÿπ ·ºπ°“√æ—≤π“∏ÿ√°‘®ª√–°—π¿—¬„π Õπ“§μ·≈–º≈ª√–‚¬™πå∑’˺Ÿâ‡Õ“ª√–°—π¿—¬®–‰¥â√—∫ ·≈–·π«‚π⡪√‘¡“≥°“√‡Õ“ª√–°—π¿—¬„π ªí®®ÿ∫—π TLAA representative joined with Committee on Commerce of the House of Representatives on October 27, 2005 to review and discuss present conditions and outlook of insurance, problems, and obstacles in the business operation and investment as well as future insurance development plan, insuredsû benefits, and current trend of insurance take-up volumn. 1.12. „À⺟â·∑π‡¢â“√à«¡ª√–™ÿ¡ AIC §√—Èß∑’Ë 31 √–À«à“ß«—π∑’Ë 25/11/48 - 1/12/48 ≥ ª√–‡∑» °—¡æŸ™“ TLAA representative attended the 31st AIC meeting in Cambodia between November 25 to December 1, 2005. 1.13. ·μàßμ—Èߧ≥–∑”ß“πæ‘®“√≥“°√Õ∫·π«∑“ß°“√®—¥∑”·ºπ·¡à∫∑ª√–°—π¿—¬·Ààß™“μ‘ Appointed a working committee to review the guideline framework of National Insurance Master Plan. 1.14. „À⺟â·∑π‡¢â“√à«¡‡ªìπ§≥–∑”ß“π°”Àπ¥À≈—°‡°≥±å°“√„À⧫“¡‡ÀÁπ™Õ∫·∫∫·≈– ¢âÕ§«“¡°√¡∏√√¡åª√–°—π¿—¬Õÿ∫μ— ‡‘ Àμÿ ‡æ◊ÕË æ‘®“√≥“√à“ß°√¡∏√√¡åª√–°—π¿—¬Õÿ∫μ— ‡‘ Àμÿ «à π∫ÿ§§≈/ °≈ÿà¡ ‡°’ˬ«°—∫ (1) §«“¡§ÿ⡧√Õß (2) ¢âÕ¬°‡«âπ∑—Ë«‰ª TLAA representative joined the working committee to set the approval regulation on forms and statements of accidental insurance policy to review the drafted PA/Group policy on 1) Protection 2) General Provision.

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1.15. „À⺟â·∑π‡¢â“√à«¡‡ªìπ§≥–°√√¡°“√∫√‘À“√‚§√ß°“√ª√–°—πÕÿ∫—쑇Àμÿ‡Õ◊ÈÕÕ“∑√ª√–®” ªï 2548-2549 TLAA representative joined the executive committee on the Aor Athorn Accidental Insurance Project for the year 2005-2006. 1.16. „À⺟â·∑π‡¢â“√à«¡‡ªìπ§≥–°√√¡°“√æ—≤π“°ÆÀ¡“¬ ‡æ◊ËÕæ‘®“√≥“ ‡√◊ËÕß °“√ª√–«‘ß ·≈–§” —Ëß∑’Ë 31 °√≥’ °“√·°â‰¢¢âÕ§«“¡¢Õß Pure Accident „π —≠≠“·π∫∑⓬ª√–°—π¿—¬ Õÿ∫—쑇Àμÿ·≈– ÿ¢¿“æ TLAA representative joined the legal development committee to review the claims delay and Order No. 31 in the event of modification to the Pure Accident statement of Accidental Insurance/Health riders. 1.17. „À⺟â·∑π‡¢â“√à«¡‡ªìπ§≥–°√√¡°“√¬ÿ«™πª√–°—π¿—¬‚√߇√’¬π TLAA representative joined the youth insurance school committee. 1.18. ·μàßμ—ßÈ §≥–∑”ß“π®—¥ß“π«—πª√–°—π™’«μ‘ ·Ààß™“쑧√—ßÈ ∑’Ë 7 ª√–®”ªï 2549 Appointed a working committee to organize the 7th National Insurance Day for the year 2006. 1.19. „À⺟â·∑π‡¢â“√à«¡ —¡¡π“„πÀ—«¢âÕ‡√◊ËÕß ç¡‘μ‘„À¡à¢Õß°“√ÕÕ¡é ¢Õß°Õß∑ÿπ∫”‡ÀπÁ®∫”π“≠¢â“√“™°“√ (°∫¢.) ·≈– ”π—°ß“π‡»√…∞°‘®°“√ §≈—ß ( »§.) ´÷Ë߉¥â√à«¡°—π®—¥‡¡◊ËÕ«—π∑’Ë 14/12/48 ≥ ‚√ß·√¡¥ÿ ‘μ∏“π’ ‚¥¬¡’«—μ∂ÿª√– ß§å‡æ◊ËÕ𔇠πÕ¢âÕ¡Ÿ≈ ¡ÿ¡¡Õß„π¡‘μ‘μà“ßʇ°’ˬ«°—∫§«“¡ ”§—≠ ¢Õß°“√ÕÕ¡‡æ◊ËÕ«—¬‡°…’¬≥ TLAA representative joined a seminar on the topic of çNew Dimension of Savingsé of Government Pension Fund (GPF) and Fiscal Policy Office (FPO) co-organized on December 14, 2005 at the Dusit Thani Hotel with the purpose to present data and perspectives in various dimensions related to the importance of savings for retirement. 1.20. „À⺟â·∑π‡¢â“√à«¡ —¡¡π“‡√◊ËÕß çª√–‡¡‘πº≈ FTA 1 ªï „§√‰¥â „§√‡ ’¬é ¢Õß ”π—°ß“π¬ÿ∑∏»“ μ√å°“√§â“√–À«à“ߪ√–‡∑» √à«¡°—∫°√¡‡®√®“ °“√§â“√–À«à“ߪ√–‡∑» ‡¡◊ËÕ 30 æ.¬. 48 TLAA representative joined the seminar on çFTA Evaluation after 1 year, Who Gained or Who Losté from Trade Strategic Office in concert with Department of Trade Negotiations on November 30, 2005.

2. °“√ à߇ √‘¡æ—≤𓧫“¡√Ÿâ „Àâ·°àæπ—°ß“π∫√‘…—∑ ¡“™‘° Skill and Knowledge Development for Staffs of Member Companies °“√ —¡¡π“ / ∫√√¬“¬æ‘‡»… Seminar / Special Lecture 2.1. „À⺟â·∑π Õπ°. ‘π‰À¡ , Õπ°.°ÆÀ¡“¬ ·≈– Õπ°.æ‘®“√≥“√—∫ª√–°—π ‡¢â“√—∫°“√ Õ∫√¡‡æ◊ËÕ∑”Àπâ“∑’ˇªìπ«‘∑¬“°√¥â“π Know Your Customer and Customer Due Diligence (KYC/CDD) ®—¥‚¥¬ ”π—°ß“𠪪ß. ‡æ◊ËÕ‡ªìπ°“√‡μ√’¬¡§«“¡æ√âÕ¡·°à∫ÿ§≈“°√¢Õß ∂“∫—π°“√ ‡ß‘π∑’ˇ°’ˬ«¢âÕß „Àâ∑√“∫∂÷ßÀ≈—°‡°≥±å¥â“π°“√ªÑÕß°—π·≈–ª√“∫ª√“¡°“√øÕ°‡ß‘π ·≈–°“√ μàÕμâ“π°“√„Àâ°“√ π—∫ πÿπ∑“ß°“√‡ß‘π·°à°≈ÿࡺŸâ°àÕ°“√√⓬ μ“¡¡“μ√∞“π “°≈ ®”π«π 3 √ÿàπ ‚¥¬√ÿàπ∑’Ë 1 Õ∫√¡«—π∑’Ë 12-13 °—𬓬π 2548 √ÿàπ∑’Ë 2 Õ∫√¡«—π∑’Ë 19-20 °—𬓬π 2548 √ÿàπ∑’Ë 3 Õ∫√¡«—π∑’Ë 26-27 °—𬓬π 2548 Representatives from Claims subcommittee, Legal subcommittee, and Underwriting subcommittee received training in the role of Youûre your Customer and Customer Due Diligence (KYC/CDD) speaker organized by Anti-Money Laundering Office to raise awareness

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√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬


among financial institutionsû personnel about the guideline of anti-money laundering and combating the financing of terrorists for a total of 3 classes. The first class was completed between September 12-13, 2005. The second class was completed between September 19-20, 2005. and the third class was completed between September 26-27, 2005. 2.2. ®—¥ —¡¡π“‡™‘ߪؑ∫—μ‘°“√°“√æ—≤π“°ÆÀ¡“¬ª√–°—π¿—¬√–À«à“ß¿“§√—∞·≈–¿“§ ‡Õ°™π ‡æ◊ËÕ√«∫√«¡¢âÕ‡ πÕ„π°“√ª√—∫ª√ÿß°ÆÀ¡“¬ª√–°—π¿—¬„πªí®®ÿ∫—π„Àâ¡’§«“¡∑—π ¡—¬ ‡À¡“– ¡·°à°“√ªØ‘∫—μ‘ß“π„πªí®®ÿ∫—π¡“°¢÷Èπ A seminar on çDevelopment of Insurance Laws between Government and Private Sectoré was organized to collect proposal to amend and modernize the existing insurance laws to better suit current application. 2.3. ®—¥ —¡¡π“°“√·æ∑¬å°“√ª√–°—π™’«μ‘ √–À«à“ß«—π∑’Ë 3-4 惻®‘°“¬π 2548 ‚¥¬‡ªìπ°“√ ®—¥‡¬’ˬ¡·æ∑¬å —≠®√∑’Ë®—ßÀ«—¥π§√ «√√§å ·≈–®—ßÀ«—¥æ‘…≥ÿ‚≈° A seminar on çMedical Insuranceé was organized to visit mobile doctors in Nakhon Sawan and Phitsanulok provinces between November 3-4, 2005. 2.4. ®—¥ —¡¡π“‡™‘ߪؑ∫—μ‘°“√√à«¡√–À«à“ß Õπ°. 3 §≥– §◊Õ Õπ°. °ÆÀ¡“¬ Õ π°. ‘π‰À¡ ·≈– Õπ°.æ‘®“√≥“√—∫ª√–°—π „πÀ—«¢âÕ‡√◊ËÕß ç°“√ªÑÕß°—𧫓¡‡ ’ˬߢÕߺŸâ√—∫ ª√–°—π‡°’Ë¬«°—∫°“√ª√–°—π™’«‘μé √–À«à“ß«—π∑’Ë 10-12 À√◊Õ 17-19 °ÿ¡¿“æ—π∏å 2549 ≥ «—ß ‘ßÀå √’ Õ√å∑ ®.°“≠®π∫ÿ√’ A workshop on çPrevention of Underwriting Risksé was co-organized by 3 TLAA subcommittees, including Legal, Claims, and Underwriting subcommittees between February 10-12 or 17-19, 2006 at Wangsing Resort, Kanchanaburi province. 2.5. ®—¥∫√√¬“¬¥â“π«‘™“°“√„πÀ—«¢âÕ‡√◊ËÕß (1) Group Life Products in World Wide Included Pension and Annuity products (2) Selection of Risks and Actuarial Aspects for Group Life & Health ‡¡◊ËÕ«—π»ÿ°√å∑’Ë 17 À√◊Õ 24 °ÿ¡¿“æ—π∏å 2549 ‡«≈“ 08.30 - 17.00 π.  ∂“π∑’Ë ‚√ß·√¡¥‘‡Õ¡‡¡Õ√å√—≈¥å A technical lecture on such topics as (1) Group Life Products in World Wide Included Pension and Annuity products (2) Selection of Risks and Actuarial Aspects for Group Life & Health between February 17 or 24, 2006 starting from 08.30 - 17.00 at the Emerald Hotel. 2.6. ®—¥∫√√¬“¬æ‘‡»…‡√◊ÕË ß çCapital Solvency Requirement for Life Insurance Businessé ��—π∑’Ë 22 ∏—𫓧¡ 2548 ‡«≈“ 08.00-16.30 π. ≥ ÀâÕߪ√–™ÿ¡‡Õπ°ª√– ß§å ™—πÈ 5  ∂“∫—π ∫—≥±‘μæ—≤π∫√‘À“√»“ μ√å A special lecture on çCapital Solvency Requirement for Life Insurance Businessé on December 22, 2005 starting from 08.00 - 16.30 at the 5th floor meeting, National Institute of Development Administration (NIDA) 2.7. ®—¥ —¡¡π“‡™‘ߪؑ∫—μ‘°“√ ‡√◊ËÕß ¢âÕ π‡∑»μ—«·∑πª√–°—π™’«‘μ ‡æ◊ËÕ‡ªìπ°“√æ—≤π“ ¢âÕ¡Ÿ≈¢âÕ π‡∑»μ—«·∑πª√–°—π™’«‘μ „Àâ∑—π°—∫ ∂“π°“√≥å„πªí®®ÿ∫—π ®—¥¢÷Èπ√–À«à“ß«—π∑’Ë 2-3 ¡‘∂ÿπ“¬π 2549 ≥ ‚≈¡“√’ Õ√å∑ ®—ßÀ«—¥ ©–‡™‘߇∑√“ A workshop on çLife Insurance Agent Informationé was organized to develop information database on life insurance agent to meet current environment between June 2-3, 2006 at Loma Resort, Chachoengsao province.

Annual Report 2006 The Thai Life Assurance Association

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3. °“√‡º¬·æ√àª√–™“ —¡æ—π∏å Public Relations 3.1. ®—¥ß“π —¡¡π“ºŸâ ◊ËÕ¢à“«ª√–®”ªï 2548 √–À«à“ß«—π∑’Ë 16-17 °—𬓬π 2548 ≥ ‚√ß ·√¡∑«“√“«¥’ ®—ßÀ«—¥ª√“®’π∫ÿ√’ An annual press conference for the year 2005 between September 16-17, 2005 at TawaRavadee Resort Hotel, Prachinburi province. 3.2. √à«¡°‘®°√√¡°“√®—¥ß“π¢Õߧ≥–°√√¡°“√»Ÿπ¬å ßà ‡ √‘¡°“√∫√‘À“√‡ß‘πÕÕ¡§√Õ∫§√—« ·≈– ”π—°ß“π ‡¢μ∫“ß·§ ‡¡◊ËÕ 6/11/48 ‡æ◊ËÕ‡ªìπ°“√‡º¬·æ√àª√–™“ —¡æ—π∏å°“√ª√–°—π™’«‘μ Joined activities co-organized by the Committee of Family Savings Management and Promotion Center and Bang Kae District Office to promote and publicize insurance business on November 6, 2005. 3.3. ®—¥°‘®°√√¡‡æ◊ÕË ‡©≈‘¡©≈Õߧ√Õß ‘√√‘ “™¬å ¡∫—집 √∫ 60 ªï ¢Õßæ√–∫“∑ ¡‡¥Á®æ√–‡®â“ Õ¬ŸàÀ—«„π«—π∑’Ë 9 ¡‘∂ÿπ“¬π 2549 Organized an event to celebrate HM the King 60th Anniversary Succession to the Throne on June 9, 2006. 3.4. º≈‘ μ  ◊ Ë Õ «‘ ∑ ¬ÿ ‡ æ◊ Ë Õ ª√–™“ — ¡ æ— π ∏å ∏ ÿ √ °‘ ® ª√–°— π ™’ « ‘ μ  Ÿ à ª√–™“™π∑—Ë«‰ª ‚¥¬ÕÕ°Õ“°“»„π‡§√◊Õ¢à“¬«‘∑¬ÿ  «æ.91 ∑—Èß„π °√ÿ߇∑æœ ·≈–μà“ß®—ßÀ«—¥ ‡ªìπ‡«≈“ 6 ‡¥◊Õπ Produced radio promotional broadcast to raise public awareness about insurance which aired for 6 months on FM91 Traffic Pro radio network around Bangkok and upcountry. 3.5. °√¡°“√ª√–°—π¿—¬  ”π—°ß“π§≥–°√√¡°“√»÷°…“¢—Èπ æ◊Èπ∞“π  ¡“§¡ª√–°—π™’«‘μ‰∑¬ ∫√‘…—∑ ‰∑¬ª√–°—π™’«‘μ ®”°—¥ ·≈–Àπ—ß ◊Õæ‘¡æå ¬“¡∏ÿ√°‘® √à«¡°—π®—¥ß“π·¢àߢ—π∑Õ≈姂™«åª√–°Õ∫ ≈’≈“¬ÿ«™π √Õ∫™‘ß™π–‡≈‘» √–À«à“ß«—π∑’Ë 18-19 °ÿ¡¿“æ—π∏å 2549 ≥ ≈“ππÈ”æÿ »Ÿπ¬å°“√§â“ø®Õ√åæ“√å§ √—ß ‘μ Department of Insurance, Office of the Basic Education Commission, The Thai Life Assurance Association, Thai Life Insurance Co., Ltd., and Siamturakij Newspaper co-organized final round of Youth Talk Show contest between February 18-19, 2006 at the fountain, Future Park Shopping Center, Rangsit. 3.6. √à«¡°—∫°√¡°“√ª√–°—π¿—¬ ·≈– ¡“§¡μ—«·∑πª√–°—π™’«‘μ  π—∫ πÿπ°“√®—¥ß“π«—πª√–°—π™’«‘μ·Ààß™“μ‘ §√—Èß∑’Ë 6 ª√–®”ªï æ.».2548 ‡¡◊ËÕ «—π∑’Ë 30 - 31 °√°Æ“§¡ 2549 ≥ »Ÿπ¬å°“√§â“ø®Õ√åæ“√å§ √—ß ‘μ «—μ∂ÿª√– ß§å‡æ◊ËÕ‡º¬·æ√৫“¡√Ÿâ‡°’ˬ«°—∫°“√ª√–°—π™’«‘μ„À⇪ìπ∑’Ë√Ÿâ®—°·°à “∏“√≥™π ·≈– √â“ß¿“æ≈—°…≥å∑’Ë¥’ „Àâª√–™“™π¡’∑—»π§μ‘∑’Ë¥’μàÕ°“√∑”ª√–°—π™’«‘μ Coordinated with Department of Insurance and Thai Life Underwriters Association to organize the 6th National Insurance Day for the year 2005 on July 30-31, 2006 at Future Park Shopping Center, Rangsit to raise public awareness about insurance and create positive images for general public toward insurance business.

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√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬


4. °“√ à߇ √‘¡ π—∫ πÿπ¥â“π°“√»÷°…“ Educational Promotion 4.1. ¡Õ∫∑ÿπ°“√»÷°…“·°àπ‘ ‘μπ—°»÷°…“∑’ˇ√’¬π “¢“°“√ª√–°—π¿—¬ ®“°¡À“«‘∑¬“≈—¬ ∑—Ë«ª√–‡∑» ‚¥¬¡Õ∫‡ªìπ∑ÿπ°“√»÷°…“®”π«π 15 ∑ÿπ √“ß«—≈°“√»÷°…“®”π«π 11 √“ß«—≈ ·≈– √“ß«—≈ ASA Course I ®”π«π 3 √“ß«—≈ ‡ªìπ®”π«π‡ß‘π∑—Èß ‘Èπ 212,000 ∫“∑ Provided scholarship grants to university students in the field of insurance throughout the country dividing into 15 scholarship grants, 11 educational prizes, and 3 prizes for ASA Course I for the total of 212,000 baht. 4.2. ®—¥∑”Àπ—ß ◊ÕÕà“π‡ √‘¡°“√ª√–°—π™’«‘μ‡æ◊ËÕ‡ªìπÀπ—ß ◊ÕÕà“π‡ √‘¡«‘™“‡»√…∞»“ μ√å √–¥—∫ª√–∂¡»÷°…“ (ª.1-3,ª.4-6) ·≈–√–¥—∫¡—∏¬¡»÷°…“ (¡.1-3, ¡.4-6) ·≈–𔇠πÕμâπ©∫—∫  àß°√¡°“√ª√–°—π¿—¬·≈– ”π—°ß“π§≥–°√√¡°“√°“√»÷°…“¢—Èπæ◊Èπ∞“π °√–∑√«ß»÷°…“∏‘°“√ ‡æ◊ËÕ‡ªìπ°“√ª≈Ÿ°Ωíߧ«“¡√Ÿâ§«“¡‡¢â“„®‡°’ˬ«°—∫°“√ª√–°—π™’«‘μμ—Èß·μà·√°‡√‘Ë¡ Produced extra insurance reading materials for extra reading of Economics in the primary and post-secondary schools and delivered the original reading materials to Department of Insurance and Office of the Basic Education Commission, Ministry of Education in order to introduce insurance knowledge and understanding at an early age.

5. °“√ à߇ √‘¡ π—∫ πÿπμ—«·∑πª√–°—π™’«‘μ Life Insurance Agents Promotion 5.1.  ¡“§¡¢¬“¬®”π«π∑’πË ßË—  Õ∫√—∫„∫Õπÿ≠“μμ—«·∑πª√–°—π ™’«‘μ·∫∫§Õ¡æ‘«‡μÕ√å‡æ‘Ë¡®“°‡¥‘¡ 20 ‡§√◊ËÕ߇ªìπ 40 ‡§√◊ËÕß ·≈– ‡æ‘Ë¡®”π«π√Õ∫ Õ∫„Àâ¡“°¢÷Èπ TLAA expanded the number of seats for computerized agency licensing examination from 20 seats to 40 seats and increased the number of times to take computerized exam. 5.2. ®—¥ —¡¡π“‡™‘ߪؑ∫—μ‘°“√ª√—∫ª√ÿߧ≈—ߢâÕ Õ∫μ—«·∑π ª√–°—π™’«‘μ ‡æ◊ËÕæ‘®“√≥“ª√—∫ª√ÿß ·°â‰¢ μ√«®∑“π §≈—ߢâÕ Õ∫∑’Ë ¡’Õ¬Ÿ„à πªí®®ÿ∫π— „Àâ¡¡’ “μ√∞“π¬‘ßË ¢÷πÈ ‚¥¬®—¥‡¡◊ÕË «—π∑’Ë 21-22 ¡‘∂πÿ “¬π 2549 ≥ ‚√ß·√¡∏“√“ ·Õπ¥å √’ Õ√å∑ Õ.‡¡◊Õß ®.©–‡™‘߇∑√“ Organized a seminar on improvement of test questions and answers for agency licensing examination to review, improve, modify, and examine current test questions and answers on June 21-22, 2006 at Tara Hotel and Resort, Amphur Muang, Chachoengsao province. 5.3. ®—¥ß“πμ—«·∑π§ÿ≥¿“楒‡¥àπ·Ààß™“μ‘ (TNQA) §√—Èß∑’Ë 23 ‡æ◊ËÕ à߇ √‘¡ π—∫ πÿπ„Àâμ—«·∑πª√–°—π™’«‘μ¡’º≈°“√ªØ‘∫—μ‘ß“π∑’Ë¥’ ‡¡◊ËÕ«—π∑’Ë 28 ¡‘∂ÿπ“¬π 2549 ≥ ÀâÕß·°√π¥å‰¥¡Õπ¥å∫Õ≈≈å√Ÿ¡ ™—Èπ 2 Õ“§“√Õ‘¡·æÁ§§Õπ‡«π™—Ëπ‡´Áπ‡μÕ√å ‡¡◊Õß∑Õß∏“π’ ∂ππ·®âß«—≤π– °√ÿ߇∑æœ Organized the 23rd TNQA award presentation ceremony to promote and support good performing life insurance agents on June 28, 2006 at Grand Diamond Ballroom, on 2nd floor, Impact Convention Center, Muang Thong Thani, Chaeng Wattana, Bangkok.

Annual Report 2006 The Thai Life Assurance Association

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6. °“√∫√‘®“§·≈– π—∫ πÿπ°‘®°√√¡Õߧå°√¿“¬πÕ° Donations and Financial Supports 6.1 ∂«“¬‡ß‘π∑Ÿ≈‡°≈⓪√–¡“≥ 5 ≈â“π∫“∑ ‡¢â“¡Ÿ≈π‘∏‘™—¬æ—≤π“ ·≈–´◊ÈÕ “√“πÿ°√¡‰∑¬ ®”π«π 4,000 ™ÿ¥ ß∫ª√–¡“≥ 1 ≈â“π∫“∑ æ√âÕ¡°—∫¡Õ∫„Àâ°√–∑√«ß»÷°…“∏‘°“√¥”‡π‘π°“√ ®—¥ √√„Àâ‚√߇√’¬π∑’Ë¢“¥·§≈π∑—Ë«ª√–‡∑»μàÕ‰ª ‡æ◊ËÕ‡ªìπ°“√∂«“¬√“™ —°°“√–æ√–∫“∑ ¡‡¥Á® æ√–‡®â“Õ¬ŸàÀ—« ‡π◊ËÕß„π‚Õ°“ ∑√ߧ√Õß√“™ ¡∫—쑧√∫ 60 ªï Donated 5 million baht to the Chaipattana Foundation and purchased 4,000 sets of Thai dictionary for 1 million baht and donated them to Ministry of Education to distribute to the underprivileged schools throughout the country to pay homage to HM the King 60th Anniversary Succession to the Throne. 6.2.  π—∫ πÿπß∫ª√–¡“≥ ”À√—∫´◊ÈÕ°√–‡ªÜ“„ à‡Õ° “√°“√ —¡¡π“ ¢Õߧ≥–°√√¡°“√ ·æ∑¬ ¿“®”π«π 1,500 „∫ „∫≈– 200 ∫“∑ ‡ªìπ‡ß‘π 300,000 ∫“∑ Provided funding to purchase travel briefcases for Committee of the Medical Council of Thailand at 200 baht each for 1,500 briefcases for a total of 300,000 baht. 6.3.  π—∫ πÿ𪓰°“®“° ¿“°“™“¥‰∑¬ ‡æ◊ËÕÀ“√“¬‰¥â‚¥¬‡ ¥Á®æ√–√“™°ÿ»≈∫”√ÿß ¿“ °“™“¥‰∑¬ ‡¡◊ËÕ«—π∑’Ë 26 情¿“§¡ 2549 ‡ªìπ‡ß‘π 5,000 ∫“∑ Provided Thai Red Cross pens to earn Royal Charity revenue to renovate Thai Red Cross on May 26, 2006 in the amount of 5,000 baht. 6.4.  π—∫ πÿπ‡ß‘π ·≈– ‘ËߢÕ߉ª∫√‘®“§™à«¬‡À≈◊ÕºŸâª√– ∫¿—¬‚§≈π∂≈à¡ ∑’Ë¿“§‡Àπ◊Õ ‡¡◊ËÕ«—π∑’Ë 27 情¿“§¡ 2549 ‡ªìπ‡ß‘π 300,000 ∫“∑ Provided funding and material support to donate to the landslide victims in the North on May 27, 2006 for a total of 300,000 baht.

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√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬


6.5.  π—∫ πÿπ°‘®°√√¡ °“√·¢àߢ—π ç°Õ≈åø°“√°ÿ»≈é ®—¥‚¥¬°√–∑√«ß‡°…μ√œ ‡æ◊ËÕÀ“ √“¬‰¥â ”À√—∫ “∏“√≥°ÿ»≈·≈– “∏“√≥ª√–‚¬™πå¢Õß™¡√¡·¡à∫â“π‡°…μ√°√–∑√«ß‡°…μ√ ·≈– À°√≥å ®—¥·¢àߢ—π¢÷πÈ „π«—π∑’Ë 27 情¿“§¡ 2549  ¡“§¡œ  π—∫ πÿπ‡ªìπ‡ß‘π 30,000 ∫“∑ Donated 30,000 baht to a charity golf event organized by Ministry of Agriculture and Cooperatives to earn public charity and benefits revenue for Agricultural Housewife Club, Ministry of Agriculture and Cooperatives, which took place on May 27, 2006. 6.6.  π—∫ πÿπ ‘Ëßæ‘¡æå/‡Õ° “√‡º¬·æ√à∑“ß«‘™“°“√ √“¬ß“π°“√¥”‡π‘πß“π ·≈–«“√ “√ ª√–°—π™’«‘μ „Àâ°—∫ ”π—°ß“πª√–°—π¿—¬®—ßÀ«—¥‡™’¬ß„À¡à ‡¡◊ËÕ«—π∑’Ë 24 ‡¡…“¬π 2549 Provided printing materials/technical brochures, operation performance report and life insurance newsletter to Chiang Mai Provincial Insurance Office on April 24, 2006. 6.7.  π—∫ πÿπ„Àâ§≥– ∂‘쑪√–¬ÿ°μå  ∂“∫—π∫—≥±‘μæ—≤π∫√‘À“√»“ μ√å ®—¥∫√√¬“¬ 摇»…‡√◊ËÕß çCapital Solvency Requirement for Life Insurance Businessé „Àâ°—∫ ¡“™‘° ¡“§¡ ª√–°—π™’«‘μ‰∑¬ ‡¡◊ËÕ«—π∑’Ë 22 ∏—𫓧¡ 2548 ‡ªìπ®”π«π‡ß‘π 55,000 ∫“∑ Donated 55,000 baht to the School of Applied Statistics, National Institute of Development Administration (NIDA) to organize special seminar on the topic of çCapital Solvency Requirement for Life Insurance Businessé to the member companies of TLAA on December 22, 2005. 6.8.  π—∫ πÿπ°“√·¢àߢ—π°Õ≈åø°“√°ÿ»≈ ¢Õß¡Ÿ≈π‘∏‘øîπ—π´à“ ‡æ◊ËÕÀ“√“¬‰¥â ¡∑∫∑ÿπ°“√ °ÿ»≈  ¡‡¥Á®æ√–‡∑æ√—μπ√“™ ÿ¥“œ ·≈–‡ªìπ∑ÿπ°“√»÷°…“ª√–®”ªï 2549 ·°à‡¥Á°π—°‡√’¬π ª√–∂¡»÷°…“ªï∑’Ë 1 ·≈–¡—∏¬¡»÷°…“ªï∑’Ë 3 ∑—Ë«ª√–‡∑»∑’ˇ√’¬π¥’·μ࢓¥·§≈π∑ÿπ∑√—æ¬å ‡¡◊ËÕ«—π ∑’Ë 19 ∏—𫓧¡ 2548 ‡ªìπ‡ß‘π 20,000 ∫“∑ Donated 20,000 baht to a charity golf event organized by Finansa Foundation to earn revenue for HRH Princess Maha Chakri Sirindhornûs charity of choice and for 2006 educational grants for primary and post-secondary students throughout the country with good academic track record with limited financial ability on December 19, 2005. 6.9.  π—∫ πÿπ¢Õߢ«—≠„π°‘®°√√¡«—π‡¥Á°·Ààß™“μ‘ „Àâ°—∫‚√߇√’¬π«—¥π§√‚ª√¥ —μ«å μ.§≈ÕßπâÕ¬ Õ.∫â“π·æ√° ®.æ√–π§√»√’Õ¬ÿ∏¬“ ‡¡◊ËÕ«—π∑’Ë 18 惻®‘°“¬π 2548 Donated gifts on National Children Day to Wat Nakorn Prodesud School, Klong Noi Sub-District, Amphur Baan Prakke, Ayudhya province on November 18, 2005. 6.10. ∫√‘®“§‡ß‘π„Àâ°—∫¡Ÿ≈π‘∏‘ ∂“∫—π· ß «à“ß ·≈–¡Ÿ≈π‘∏‘Õπÿ‡§√“–Àå§πæ‘°“√ „πæ√–√“™Ÿª∂—¡¿å¢Õß ¡‡¥Á®æ√–»√’π§√‘π∑√“∫√¡√“™™ππ’ ‡π◊ËÕß„π ‚Õ°“ ®—¥ß“π«—πª√–°—π™’«‘μ·Ààß™“μ‘ ª√–®”ªï 2548 ‡¡◊ËÕ«—π∑’Ë 30-31 °√°Æ“§¡ 2548 ∫√‘®“§„Àâ¡Ÿ≈π‘∏‘≈– 10,000 ∫“∑ √«¡‡ªìπ‡ß‘π 20,000 ∫“∑ Donated a total of 20,000 baht to Saengsawang Institute Foundation and Foundation for the Welfare of the Crippled under the Royal Patronage of HRH the Princess Mother on the occasion of National Insurance Day for the year 2005 from July 30-31, 2005. Each foundation received funding in the amount of 10,000 baht. 6.11.  π—∫ πÿπ°“√ÕÕ°∫Ÿ∏„π°‘®°√√¡°“√·¢àߢ—π∑Õ≈å°‚™«åª√–°Õ∫≈’≈“√–¥—∫¬ÿ«™π §√—Èß∑’Ë 2 ª√–®”ªï æ.».2548 ´÷Ëß®—¥‚¥¬Àπ—ß ◊Õæ‘¡æå ¬“¡∏ÿ√°‘® √à«¡°—∫°√¡°“√ª√–°—π¿—¬  ”π—°ß“π§≥–°√√¡°“√°“√»÷°…“¢—Èπæ◊Èπ∞“π ·≈–∫√‘…—∑ ‰∑¬ª√–°—π™’«‘μ ®”°—¥ Provided support to set up activity booth in the 2nd Youth Talk Show contest for the year 2005 co-organized by Siamturakij Newspaper, Department of Insurance, Office of the Basic Education Commission, and Thai Life Insurance Co., Ltd.

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7. °“√æ—≤π“∏ÿ√°‘®ª√–°—π™’«‘μ Life Insurance Business Development 7.1. ‡ πÕ·π«∑“ß·°â‰¢ªí≠À“·≈–æ—≤π“∏ÿ√°‘®ª√–°—π™’«‘μ¥â“πμà“ßÊ ‡æ◊ËÕ√Õß√—∫°“√ ‡ªî¥‡ √’°“√§â“∫√‘°“√  “¢“°“√ª√–°—π¿—¬ „πÕπ“§μ ¥—ßπ’È (1) ¥â“π‡∑§‚π‚≈¬’ (2) ¥â“π ∫ÿ§≈“°√„πÕߧå°√ (3) °“√æ—≤π“√–∫∫μ—«·∑π (4) °“√æ—≤π“º≈‘μ¿—≥±å (5) Regulation (6) ‡ß‘π°Õß∑ÿπ (Capital) ‰¡à‡æ’¬ßæÕ (7)  à߇ √‘¡„Àâ¡’°“√ÕÕ¡√–¬–¬“« (8) ‡ √‘¡ √â“߇ ∂’¬√¿“æ ¢Õßμ≈“¥∑ÿπ„Àâ·¢Áß·°√àß¡“°¢÷Èπ (9)  à߇ √‘¡º≈‘μ¿—≥±å∫”π“≠„À⇰‘¥¢÷Èπ„πÕπ“§μ (10) °“√  à߇ √‘¡∏ÿ√°‘®ª√–°—π™’«μ‘ „À⇢â“∂÷ߪ√–™“™π„Àâ¡“°¢÷πÈ „πß“π —¡¡π“ºŸ∫â √‘À“√√–¥—∫ Ÿß‡¡◊ËÕ«—π∑’Ë 2-4  ‘ßÀ“§¡ 2548 ≥ ‚√ß·√¡√Õ¬—≈§≈‘ø∫√’™ ·Õπ¥å √’ Õ√å∑ æ—∑¬“ ®.™≈∫ÿ√’ Proposed guideline to solve problems and develop various aspects of life insurance business to get ready for FTA in the insurance sector in the future (1) technology (2) Corporate Human Resource (3) Agency System Development (4) Product Development (5) Regulation (6) Inadequate Capital (7) Promoting Long-term Savings (8) Strengthening the Stability of Equity Market (9) Promoting Annuity Product in the future (10) Supporting insurance business among general public during the seminar of top executives on August 24, 2005 at the Royal Cliffs Beach and Resort, Pattaya, Chonburi province. 7.2. √à«¡æ‘®“√≥“·≈–®—¥∑”Àπ—ß ◊ÕÕà“π‡ √‘¡°“√ª√–°—π™’«‘μ√–¥—∫ª√–∂¡»÷°…“·≈– ¡—∏¬¡»÷°…“ Reviewed and produced supplementary insurance books for primary and post-secondary levels. 7.3. ‡ªìπ‡®â“¿“æ®—¥ß“π«—πª√–°—π™’«‘μ·Ààß™“μ‘ §√—Èß∑’Ë 6 ‡¡◊ËÕ«—π∑’Ë 30-31 °√°Æ“§¡ 2548 ≥ Àâ“ßø®Õ√åæ“√å§ √—ß ‘μ Organizing host of the 6th National Insurance Day between July 30-31, 2005 at Future Park Shopping Center, Rangsit. 7.4. √à«¡ª√–™ÿ¡À“√◊Õ‡°’ˬ«°—∫«‘∏’°“√∑¥ Õ∫°“√√—∫ àߢâÕ¡Ÿ≈¢Õß∏ÿ√°‘®ª√–°—π™’«‘μºà“𠇧√◊Õ¢à“¬ VPN „Àâ°√¡°“√ª√–°—π¿—¬ ‡æ◊ËÕ‡ªìπ°“√æ—≤π“√–∫∫°“√®—¥°“√∞“π¢âÕ¡Ÿ≈¢Õß°√¡œ Joined in the meeting to discuss about testing method of sending and receiving life insurance business data via VPN to DOI as to develop DOIûs database management system. 7.5.  àßÀπ—ß ◊Õ∑—°∑â«ß‡°’ˬ«°—∫‡ß◊ËÕπ‰¢§«“¡§ÿ⡧√Õß„πº≈‘μ¿—≥±å Credit life ¢Õß∫√‘…—∑ ª√–°—π«‘π“»¿—¬ ´÷Ë߇ß◊ËÕπ‰¢§«“¡§ÿ⡧√ÕߢâÕ (2) À≈—°‡°≥±å°“√„À⧫“¡§ÿ⡧√Õß„π¢âÕ 2 (¬àÕ¬) °√≥’ ç°“√‡ ’¬™’«‘μ∑’Ë¡’ “‡Àμÿ¡“®“°Õÿ∫—쑇Àμÿ ·≈–À√◊Õ °“√‡ ’¬™’«‘μ∑’Ë¡’ “‡Àμÿ¡“®“° °“√‡®Á∫ªÉ«¬é ·≈–‡π◊ÕË ß®“°°√≥’°“√§ÿ¡â §√Õß°“√‡ ’¬™’«μ‘ ∑’¡Ë  ’ “‡Àμÿ¡“®“°°“√‡®Á∫ªÉ«¬π—πÈ ‡¢â“ ¢à“¬°“√ª√–°Õ∫∏ÿ√°‘®ª√–°—π™’«μ‘ ¿“¬„μâæ√–√“™∫—≠≠—쪑 √–°—π™’«μ‘ 2535 ´÷ßË ∫√‘…∑— ª√–°—π «‘π“»¿—¬‰¡à “¡“√∂∑”‰¥â ®÷ß∂◊Õ«à“¢—¥μàÕ æ√∫.ª√–°—π™’«‘μ æ.». 2535 Delivered objection notice on terms of coverage in credit life product of non-life insurance companies where terms of coverage No. (2), criteria of coverage in No. 2 (sub) in case of çLoss of life caused by accident and/or loss of life caused by illnesses.é In addition, in regards to the case of life coverage caused by illnesses, such case is considered operation of life insurance business under the Life Insurance Act B.E. 1992 which non-life insurance companies couldnût do because it violated to the Life Insurance Act B.E. 1992.

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7.6. „Àâ¢Õâ ‡ πÕ·π–°√¡°“√ª√–°—π¿—¬‡°’¬Ë «°—∫ ç√à“ß·π«∑“ߪؑ∫μ— „‘ π‡√◊ÕË ß°“√§«∫§ÿ¡ ¿“¬„π·≈–√à“ß·π«∑“ߪؑ∫μ— „‘ π‡√◊ÕË ß°“√§«∫§ÿ¡°“√ªØ‘∫μ— ß‘ “πé ´÷ßË √à“ߥ—ß°≈à“«¡’¢πÈ÷  ”À√—∫„Àâ ∫√‘…∑— ª√–°—π¿—¬ „™â‡ªìπ·π«∑“ߪؑ∫—μ‘„π°“√¥”‡π‘π°‘®°“√μ“¡À≈—°∏√√¡“¿‘∫“≈∑’Ë¥’ Provided proposal to DOI on çDraft of Guideline for Internal Control and Draft of Guideline for Operation Control.é Such drafts were devised for the insurance companies to use as practical guideline in business operation based on good corporate governance. 7.7. æ‘®“√≥“ª√–‡¥Áπ/À—«¢âÕ  ”À√—∫ Workshop : °“√ª√–™ÿ¡‡™‘ߪؑ∫—μ‘°“√ ç°“√®—¥∑” ·ºπ·¡à∫∑°“√ª√–°—π¿—¬·Ààß™“μ‘é ¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ´÷Ëß°”Àπ¥„Àâ àß√à“ߧ√—Èß∑’Ë 1 ¿“¬„π  ‘Èπ‡¥◊Õπ°—𬓬π 2548 „Àâ°—∫°√¡°“√ª√–°—π¿—¬ Reviewed issues/topics for Workshop on çDrafting National Insurance Master Plané of life insurance business whose the first deadline to send in the draft was set to the end of September 2005. 7.8. √à«¡æ‘®“√≥“√à“ß¡“μ√∞“π°“√∫—≠™’μ“¡ IFRS 4 Insurance Contracts ‡¡◊ËÕ«—π∑’Ë 13 μ.§. 48 ≥  ¡“§¡ª√–°—π™’«‘μ‰∑¬ Co-reviewed the drafted Accounting Standard in accordance with IFRS 4 Insurance Contracts on October 13, 2005 at The Thai Life Assurance Association. 7.9. 𔇠πÕ°√Õ∫·π«∑“ß°“√®—¥∑”·ºπ·¡à∫∑ª√–°—π¿—¬·Ààß™“μ‘ „π∑’˪√–™ÿ¡ —¡¡π“ ºŸâ∫√‘À“√√–¥—∫ Ÿß ‡¡◊ËÕ«—π∑’Ë 19-21 情¿“§¡ 2549 ≥ ‚√ß·√¡‰Õ¬√“ √’ Õ√å∑ ®.Õÿ∑—¬∏“π’ Presented framework on the Drafting National Insurance Master Plan during the top executive seminar on May 19-21, 2006 at Iyara Resort Hotel, Uthai Thani province. 7.10. ª√–™ÿ¡√–¥¡ ¡Õ߇°’ˬ«°—∫°“√æ—≤π“°ÆÀ¡“¬∑’ˇ°’ˬ«¢âÕß°—∫∏ÿ√°‘®ª√–°—π™’«‘μ ‡æ◊ËÕ ‡ πÕ·π–°“√¬°‡≈‘°·≈–ª√—∫ª√ÿß°ÆÀ¡“¬∑—ßÈ √–∫∫ ·≈– ¡“§¡‰¥âπ” àߢâÕ‡ πÕ·π–¥—ß°≈à“« ·°à°√¡°“√ª√–°—π¿—¬·≈â« ‡¡◊ËÕ 6/12/48 Conducted brainstorming meeting on Development of Life Insurance Business related laws to propose the repeal and amendment of the entire legislation. TLAA eventually delivered the aforementioned proposal to DOI on December 6, 2005.

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8. °“√ª√—∫ª√ÿß°“√∫√‘À“√ß“π¢Õß ¡“§¡ TLAA Organization Development 8.1. ª√— ∫ ª√ÿ ß «‘ ∏ ’ ° “√¥”‡π‘ π °“√‡°’ Ë ¬ «°— ∫ √–∫∫°“√‚Õπ‡ß‘ π §à “ ∏√√¡‡π’¬¡°“√ Õ∫¢Õßμ—«·∑πª√–°—π™’«‘μ„Àâ°—∫°√¡°“√ª√–°—π¿—¬ºà“π ∑“ß∏𓧓√ Improved the procedure of agent licensing fee transfer system via commercial banks for DOI. 8.2. ª√—∫ª√ÿß«‘∏°’ “√¥”‡π‘π°“√‡°’¬Ë «°—∫°“√√—∫-®à“¬‡ß‘π§à“∏√√¡‡π’¬¡ ·≈–§à“¥”‡π‘π°“√®—¥ Õ∫μ—«·∑πª√–°—π™’«μ‘ √–À«à“ß ¡“§¡ ·≈– ∂“∫—π √“™¿—Æ Improved the procedure of receipt-withdrawal of fees and agent licensing exam administration charges between TLAA and Rajabhat Institue. 8.3. æ—≤π“°“√¥”‡π‘πß“π¥â“π∫—≠™’‡æ‘Ë¡‡μ‘¡¥—ßπ’È (1) °“√„™â∫√‘°“√ SELF SERVICE BANKING (∑“ßÕ‘π‡∑Õ√å‡πÁμ) °—∫∏𓧓√°√ÿ߉∑¬  “¢“ §≈Õß‡μ¬ ‡æ◊ËÕ§«“¡ –¥«°„π°“√ Õ∫∂“¡¢âÕ¡Ÿ≈ ¢à“« “√∑“ߥâ“π°“√‡ß‘π¢Õß ¡“§¡ (2) ‡æ‘Ë¡ºŸâ¡’Õ”π“®≈ßπ“¡Õπÿ¡—μ‘·∫∫¿.æ.30 ·≈– “¡“√∂ —Ëß ®à“¬‡™Á§‰¥â‡μÁ¡®”π«π‡ªìπ°“√™”√–§à“¿“…’„Àâ°√¡ √√æ“°√ Modernized additional accounting procedures as follows. (1) SELF SERVICE BANKING (via Internet) with Krung Thai Bank, Klong Toey branch to increase the convenience of requesting TLAA financial news and information (2) Increasing the authorized official to approve Por. Por. 30 form and cheque writing in full amount to pay for tax collection from Department of Revenue. 8.4. æ‘®“√≥“ª√—∫ª√ÿß√“¬ß“π ∂‘μ‘ ª™.1-2 ‚¥¬‡æ‘Ë¡°“√√“¬ß“π‡∫’Ȭª√–°—π ¿—¬√—∫ª√–‡¿∑ “¡—≠ ®”·π°μ“¡™àÕß∑“ß°“√®”Àπà“¬ Improved the statistics report Por. Chor. 1-2 by adding report on ordinary premium classified by distribution channel.

9. °“√æ—≤π“∫ÿ§≈“°√¢Õß ¡“§¡ª√–°—π™’«‘μ‰∑¬ TLAA Human Resource Development 9.1. ®—¥Õ∫√¡ —¡¡π“æπ—°ß“π ¡“§¡ª√–°—π™’«μ‘ ‰∑¬ ‡√◊ÕË ß ç°≈¬ÿ∑∏å°“√∑”ß“π‡ªìπ∑’¡∑’¡Ë ª’ √– ‘∑∏‘¿“æé ‡¡◊ÕË «—π∑’Ë 4 ¡’π“§¡ 2549 ≥ «—ß√’ √’ Õ√å∑ ®.π§√𓬰 Organized seminar for TLAA staffs on çTactics of Effective Teamworké on March 4, 2006 at Wungree Resort, Nakhon Nayok province. 9.2. „Àâπ“ß∫ÿ≠°“≠®πå √—μπ“«‘∫Ÿ≈¬å ‡¢â“√à«¡ —¡¡π“ ‡√◊ËÕß ç ∂‘μ‘°—∫°“√æ—≤π“ª√–‡∑»é ‡¡◊ËÕ«—π∑’Ë 19 情¿“§¡ 2549 ≥ ÀâÕß·°√π¥å∫Õ≈ √Ÿ¡ ‚√ß·√¡√“¡“°“√凥âπ å °√ÿ߇∑æœ ®—¥‚¥¬ ”π—°ß“π ∂‘μ‘·Ààß™“μ‘ Assigned Mrs. Boonkan Rattanawiboon to attend seminar on çStatistics and Country Developmenté on May 19, 2006 at Grand Ballroom, Rama Garden Hotel, Bangkok organized by National Statistical Office.

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9.3. „Àâπ“ß∫ÿ≠°“≠®πå √—μπ“«‘∫Ÿ≈¬å ‡¢â“√à«¡ª√–™ÿ¡°—∫§≥–Õπÿ°√√¡°“√¥â“π°“√§â“∫√‘°“√ ≥  ¿“ÀÕ°“√§â“·Ààߪ√–‡∑»‰∑¬ ‡æ◊ËÕμ‘¥μ“¡ º≈§«“¡§◊∫Àπâ“°“√‡®√®“°“√‡ªî¥‡ √’°“√§â“√–À«à“߉∑¬°—∫ª√–‡∑»μà“ßÊ Assigned Mrs. Boonkan Rattanawiboon to attend meeting with Subcommittee on Trade and Services at Board of Trade of Thailand to monitor the progress on FTA negotiations between Thai and other countries. 9.4. „Àâπ“ß “«ª√‘≠≠“  —πμ‘æß…å ·≈–π“ß “«¡≥’ æÿ°°“√–‡«° ‡¢â“√à«¡ —¡¡π“ 炧√ß°“√¬ÿ«™πª√–°—π¿—¬„π‚√߇√’¬ππ”√àÕßé ‡¡◊ËÕ«—π∑’Ë 23 ∏—𫓧¡ 2548 ≥ ‚√ß·√¡¡‘√“‡§‘≈·°√π¥å ∂.«‘¿“«¥’-√—ß ‘μ °√ÿ߇∑æœ Assigned Ms. Parinya Santipong and Ms. Manee Pookaravek to attend seminar on çYouth Insurance Project in Trial Schoolsé on December 23, 2005 at Miracle Grand Hotel, Viphawadee-Rangsit Road, Bangkok.

10. ¥â“π°“√μà“ߪ√–‡∑» Foreign Affairs 10.1 „À⧫“¡√à«¡¡◊Õ·≈–μ‘¥μàÕÀπà«¬ß“π¿“§√—∞·≈–¿“§‡Õ°™π°—∫μà“ߪ√–‡∑» ¥—ßπ’È Coordinated and contacted government and private sectors and foreign affairs as details.  ¡“§¡ ‰¥â®—¥ àßÀπ—ß ◊Õ√“¬ß“πª√–®”ªï „Àâ°—∫Àπ૬ߓπμà“ߪ√–‡∑»∑’Ëμ‘¥μàÕ¢Õ√“¬ß“πª√–®”ªï ¡“§¡ ®”π«π 33 Àπ૬ߓπ„πμà“ß ª√–‡∑» ‡™àπ ≠’˪ÿÉπ ŒàÕß°ß  ‘ߧ‚ª√å ¡“‡≈‡´’¬ U.S.A ‡ªìπμâπ TLAA mailed its annual report to other foreign organizations that expressed their requests for a total of 33 foreign entities located in countries like Japan, Hong Kong, Singapore, Malaysia, and the USA. „À⧫“¡√à«¡¡◊ÕÀπ૬ߓπμà“ߪ√–‡∑»∑’Ëμ‘¥μàÕ¢Õ¢âÕ¡Ÿ≈ ‚¥¬‡©æ“–¢âÕ¡Ÿ≈¥â“π ∂‘μ‘∑’ˇ°’ˬ«¢âÕß°—∫∏ÿ√°‘®ª√–°—π™’«‘μ„πª√–‡∑»‰∑¬ Coordinated with foreign entity to provide information including statistics related to Thailandûs life insurance business. ºŸâ·∑π∫√‘…—∑ ¡“™‘° ¡“§¡ ‰¥â‡¢â“√à«¡ —¡¡π“ ∑’˪√–‡∑»≠’˪ÿÉπ μ“¡∑’ˉ¥â¡’Àπ—ß ◊Õ‡™‘≠·≈–‰¥â√—∫°“√ π—∫ πÿπ®“° The Foundation for the Advancement of Life & Insurance Around the world (FALIA) ª√–‡∑»≠’˪ÿÉπÕ¬à“ßμàÕ‡π◊ËÕß ¥—ßπ’È Representatives from TLAA member companies continued to attend seminar in Japan as expressed in the invitation letter and sponsored by the Foundation for the Advancement of Life & Insurance Around the world (FALIA), Japan as indicated below. - Course: Top Management Seminar : Mega-competition ‡¡◊ËÕ«—π∑’Ë 12 - 18 μÿ≈“§¡ 2548 Course: Top Management Seminar--Mega-competition on October 12 - 18, 2005. - Course: Product Development Strategy ‡¡◊ËÕ«—π∑’Ë 17-24 情¿“§¡ 2549 Course: Product Development Strategy on May 17-24, 2006. - Course: Information Technology ‡¡◊ËÕ«—π∑’Ë 21 - 28 ¡‘∂ÿπ“¬π 2549 Course: Information Technology on June 21 - 28, 2006.

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ºŸâ·∑π∫√‘…—∑ ¡“™‘° ¡“§¡ ‰¥â‡¢â“√à«¡ —¡¡π“ μ“¡∑’ˉ¥â¡’Àπ—ß ◊Õ‡™‘≠·≈–‰¥â√—∫°“√ π—∫ πÿπ®“° Oriental Life Insurance Cultural Development Center (OLICD) ª√–‡∑»≠’˪ÿÉπÕ¬à“ßμàÕ‡π◊ËÕß ¥—ßπ’È Representatives from TLAA member companies continued to attend seminar in Japan as expressed in the invitation letter and sponsored by Oriental Life Insurance Cultural Development Center (OLICD), Japan as indicated below. - ‡√◊ËÕß Pension Plans ‡¡◊ËÕ«—π∑’Ë 9-15 惻®‘°“¬π 2548 - Pension Plans on November 9-15, 2005. -  ¡“§¡ ‰¥â√à«¡°—∫ OLICD ®—¥ —¡¡π“ ‡√◊ËÕß THAI-OLIS 2006 ‡æ◊ËÕ„À⧫“¡√Ÿâ‡°’ˬ«°—∫°“√μ≈“¥¢Õߪ√–°—π™’«‘μ·∫∫∫”π“≠ ∑—Èߪ√–‡¿∑  “¡—≠·≈–°≈ÿà¡ ‡¡◊ËÕ«—π∑’Ë 21-22 ¡’π“§¡ 2549 ≥ ‚√ß·√¡¥ÿ ‘μ∏“π’ °√ÿ߇∑æœ - TLAA in coordination with OLICD organized a seminar on çTHAI-OLIS 2006é to provide knowledge of the marketing of annuity ordinary and group insurance on March 21-22, 2006 at Dusit Thani Hotel, Bangkok. 10.2 „Àâ°“√μâÕπ√—∫·≈–·≈°‡ª≈’ˬπ¢âÕ§‘¥‡ÀÁπ‡°’Ë¬«°—∫∏ÿ√°‘®ª√–°—π™’«‘μ °—∫ºŸâ·∑πÕߧå°√√–À«à“ߪ√–‡∑» ¥—ßπ’È Welcomed and exchanged opinions on life insurance business with representatives of international organizations as details. - Mr. Keisuke Matsuo. International Planning Department of Dai-ichi Life ª√–‡∑»≠’˪ÿÉπ ¢Õ‡¢â“æ∫ºŸâ·∑π ¡“§¡ª√–°—π™’«‘μ‰∑¬ ‡æ◊ËÕÀ“√◊Õ‡°’ˬ« °—∫‡√◊ËÕß individual and group reinsurance treatment ‡¡◊ËÕ«—π∑’Ë 9 ¡°√“§¡ 2549 ∑’Ë ¡“§¡ª√–°—π™’«‘μ‰∑¬ - Mr. Keisuke Matsuo from International Planning Department of Dai-ichi Life, Japan requested a meeting with TLAA representatives to discuss the individual and group reinsurance treatment on January 9, 2006 at The Thai Life Assurance Association. - ºŸâ·∑π®“° Samsung Life in Korea ‡¢â“æ∫À“√◊Õ°—∫ºŸâ·∑πÕπÿ°√√¡°“√ª√–°—π¿—¬°≈ÿà¡ §ÿ≥ ÿ«‘¡≈ æ—π∏ÿå ÿ√‘¬“ππ∑å §ÿ≥ ¡¿æ ‡¡¶‡©≈‘¡ ·≈– §ÿ≥≥—Ø™°√ ‚ «®—  μ“°ÿ≈ ‡√◊ËÕß Thailand Group Market - Representatives from Samsung Life in Korea requested a meeting with TLAA representatives from Group Life Subcommittee K. Suwimol Phansuriyanont, K. Sompob Mekchalerm, and K. Nutchakorn Sowajussatakul on the topic of Thailand Group Market. - ºŸâ·∑π®“° The Foundation for the Advancement of Life & Insurance Around the world (FALIA) ‡¢â“æ∫À“√◊Õ‡°’ˬ«°—∫∏ÿ√°‘®ª√–°—π™’«‘μ„π ª√–‡∑»‰∑¬ °—∫∫√‘…—∑ ¡“™‘° ¡“§¡ª√–°—π™’«‘μ‰∑¬ ·≈–ºŸâ·∑π ¡“§¡ª√–°—π™’«‘μ‰∑¬ √–À«à“ß«—π∑’Ë 27 - 29 惻®‘°“¬π 2548 - Representatives from the Foundation for the Advancement of Life & Insurance Around the World (FALIA) requested a meeting with TLAA member companies and representatives to discuss life insurance business in Thailand on November 27 - 29, 2005.

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√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬


√“¬ß“π¢ÕߺŸâ Õ∫∫—≠™’√—∫Õπÿ≠“μ Report of the Certified Auditor ‡ πÕ §≥–°√√¡°“√·≈– ¡“™‘° ¡“§¡ª√–°—π™’«‘μ‰∑¬ ¢â“懮Ⓣ¥âμ√«® Õ∫ß∫¥ÿ≈ ≥ «—π∑’Ë 30 ¡‘∂ÿπ“¬π 2549 ·≈– 2548 ·≈–ß∫√“¬‰¥â-§à“„™â®à“¬  ”À√—∫ªï ‘Èπ ÿ¥«—π‡¥’¬«°—π ¢Õß·μà≈–ªï¢Õß  ¡“§¡ª√–°—π™’«‘μ‰∑¬ ´÷ËߺŸâ∫√‘À“√¢Õß ¡“§¡‡ªìπºŸâ√—∫º‘¥™Õ∫μàÕ§«“¡∂Ÿ°μâÕß·≈–§√∫∂â«π¢ÕߢâÕ¡Ÿ≈„π ß∫°“√‡ß‘π‡À≈à“π’È  à«π¢â“懮ⓇªìπºŸâ√—∫º‘¥™Õ∫„π°“√· ¥ß§«“¡‡ÀÁπμàÕß∫°“√‡ß‘π¥—ß°≈à“«®“°º≈°“√μ√«® Õ∫¢Õߢâ“懮ⓠ¢â“懮Ⓣ¥âªØ‘∫—μ‘ß“πμ√«® Õ∫μ“¡¡“μ√∞“π°“√ Õ∫∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª ´÷Ëß°”Àπ¥„Àâ¢â“懮â“μâÕß«“ß·ºπ·≈–ªØ‘∫—μ‘ ß“π‡æ◊ËÕ„À≥⧫“¡‡™◊ËÕ¡—ËπÕ¬à“ß¡’‡Àμÿº≈«à“ ß∫°“√‡ß‘π· ¥ß¢âÕ¡Ÿ≈∑’Ë¢—¥μàÕ¢âÕ‡∑Á®®√‘ßÕ—π‡ªìπ “√– ”§—≠À√◊Õ‰¡à °“√μ√«® Õ∫ √«¡∂÷ß°“√„™â«‘∏’°“√∑¥ Õ∫À≈—°∞“πª√–°Õ∫√“¬°“√∑—Èß∑’ˇªìπ®”π«π‡ß‘π·≈–°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈„πß∫°“√‡ß‘π °“√ª√–‡¡‘𧫓¡ ‡À¡“– ¡¢ÕßÀ≈—°°“√∫—≠™’∑’Ë°‘®°“√„™â·≈–ª√–¡“≥°“√‡°’ˬ«°—∫√“¬°“√∑“ß°“√‡ß‘π∑’ˇªìπ “√– ”§—≠ ´÷ËߺŸâ∫√‘À“√‡ªìπºŸâ®—¥∑” ¢÷Èπ μ≈Õ¥®π°“√ª√–‡¡‘π∂÷ߧ«“¡‡À¡“– ¡¢Õß°“√· ¥ß√“¬°“√∑’Ë𔇠πÕ„πß∫°“√‡ß‘π‚¥¬√«¡ ¢â“懮Ⓡ™◊ËÕ«à“°“√μ√«® Õ∫ ¥—ß°≈à“«„Àâ¢âÕ √ÿª∑’ˇªìπ‡°≥±åÕ¬à“߇À¡“– ¡„π°“√· ¥ß§«“¡‡ÀÁπ¢Õߢâ“懮ⓠ¢â“懮ⓇÀÁπ«à“ß∫°“√‡ß‘π¢â“ßμâππ’È · ¥ß∞“π–°“√‡ß‘π ≥ «—π∑’Ë 30 ¡‘∂ÿπ“¬π 2549 ·≈– 2548 ·≈–º≈°“√¥”‡π‘πß“π  ”À√—∫ªï ‘Èπ ÿ¥«—π‡¥’¬«°—π¢Õß·μà≈–ªï¢Õß  ¡“§¡ª√–°—π™’«‘μ‰∑¬ ‚¥¬∂Ÿ°μâÕßμ“¡∑’˧«√„π “√– ”§—≠μ“¡À≈—°°“√∫—≠™’∑’Ë √—∫√Õß∑—Ë«‰ª

(¥√.«‘√—™ Õ¿‘‡¡∏’∏”√ß) ºŸâ Õ∫∫—≠™’√—∫Õπÿ≠“μ‡≈¢∑–‡∫’¬π 1378 19 °√°Æ“§¡ 2549

TLAA Board of Directors and Member Companies I have audited the balance sheets as of June 30, 2006 and 2005 and the statements of income and expenditures for each of the year ended on the same day. These financial statements are the responsibility of TLAAûs executive management. 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 an audit to obtain reasonable assurance 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 such audits provided reasonable conclusion of my expression. In my opinion, these financial statements present fairly, in all material respects, the financial position of TLAA as of June 30, 2006 and 2005 and the results for each of the year ended on the same day of TLAA in accordance with generally accepted accounting principles.

(Dr. Virach Apimetheedamrong) Auditor (Certified No. 1378) July 19, 2006

Annual Report 2006 The Thai Life Assurance Association

21


ß∫¥ÿ≈ ≥ «—π∑’Ë 30 ¡‘∂ÿπ“¬π 2549 Àπ૬ : ∫“∑

 ‘π∑√—æ¬å 2549  ‘π∑√—æ¬åÀ¡ÿπ‡«’¬π ‡ß‘π ¥·≈–‡ß‘πΩ“° ∂“∫—π°“√‡ß‘π (À¡“¬‡Àμÿ 4) ‡ß‘π≈ß∑ÿπ™—Ë«§√“«-‡ß‘πΩ“°ª√–®” (À¡“¬‡Àμÿ 5) ≈Ÿ°Àπ’È§à“ ¡—§√ Õ∫μ—«·∑πª√–°—π™’«‘μ  ‘π∑√—æ¬åÀ¡ÿπ‡«’¬πÕ◊Ëπ ≈Ÿ°Àπ’È°√¡ √√æ“°√ ‡ß‘π∑¥√Õß Õ∫μ—«·∑π¿Ÿ¡‘¿“§ Õ◊ËπÊ √«¡ ‘π∑√—æ¬åÀ¡ÿπ‡«’¬πÕ◊Ëπ √«¡ ‘π∑√—æ¬åÀ¡ÿπ‡«’¬π  ‘π∑√—æ¬å ‰¡àÀ¡ÿπ‡«’¬π ‡ß‘π≈ß∑ÿπ√–¬–¬“«-‡ß‘πΩ“°ª√–®”∏𓧓√ (À¡“¬‡Àμÿ 6) ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å- ÿ∑∏‘ (À¡“¬‡Àμÿ 3.2 ·≈– 7) ‡ß‘πΩ“°∏𓧓√μ‘¥¿“√–§È”ª√–°—π (À¡“¬‡Àμÿ 8) ‡ß‘π¡—¥®” √«¡ ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬π √«¡ ‘π∑√—æ¬å

2548

6,448,287.74 71,542,240.41 1,886,411.06

2,155,590.97 34,230,544.11 1,462,250.00

1,061,209.40 1,061,209.40 80,938,148.61

722,820.79 5,967,600.00 5,728.08 6,696,148.87 44,544,533.95

20,579,716.24 4,362,048.60 669,572.35 39,563.63 25,650,900.82

40,738,233.61 4,311,948.21 666,572.78 39,563.63 45,756,318.23

106,589,049.43

90,300,852.18

355,502.97 4,012,686.15 4,368,189.12

405,540.41 1,760,084.96 2,165,625.37

7,031,153.00 7,031,153.00 11,399,342.12

6,654,418.00 6,654,418.00 8,820,043.37

81,480,808.81 13,708,898.50 95,189,707.31

72,216,034.65 9,264,774.16 81,480,808.81

106,589,049.43

90,300,852.18

Àπ’È ‘π·≈– à«π¢Õß ¡“§¡ Àπ’È ‘πÀ¡ÿπ‡«’¬π ¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈§â“ß®à“¬ Àπ’È ‘πÀ¡ÿπ‡«’¬πÕ◊Ëπ √«¡Àπ’È ‘πÀ¡ÿπ‡«’¬π Àπ’È ‘π‰¡àÀ¡ÿπ‡«’¬π  ”√Õ߇ߑπ∫”‡ÀπÁ®æπ—°ß“π √«¡Àπ’È ‘π‰¡àÀ¡ÿπ‡«’¬π √«¡Àπ’È ‘π  à«π¢Õß ¡“§¡ √“¬‰¥â Ÿß°«à“§à“„™â®à“¬¬°¡“ ∫«° √“¬‰¥â Ÿß°«à“§à“„™â®à“¬ª√–®”ªï √«¡ à«π¢Õß ¡“§¡ √«¡Àπ’È ‘π·≈– à«π¢Õß ¡“§¡

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

(¥√.Õ¿‘√—°…å ‰∑æ—≤π°ÿ≈) 𓬰 ¡“§¡ª√–°—π™’«‘μ‰∑¬

22

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬

(𓬠ÿ√»—°¥‘Ï  ÿ®‘√–°ÿ≈) ‡À√—≠≠‘° ¡“§¡


Balance Sheet As of June 30, 2006 Unit : Baht

Assets 2006 Current Assets Cash and deposits in financial institutions (Note 4) Temporary Investment-Fixed Deposit (Note 5) Other Current Assets Payable to Revenue Department Advance for EAIC conference preparation Advance for Provincial Agency License Test Others Total of Other Assets Total of Current Assets Non-current Assets Long-term Investment-Bank Deposit (Note 6) Property, plant and equipment-Net (Note 3.2 and 7) Bank Deposit Being Held as Guarantee (Note 8) Advanced Deposit Total of Non Current Assets Total Assets

2005

6,448,287.74 71,542,240.41 1,886,411.06

2,155,590.97 34,230,544.11 1,462,250.00

1,061,209.40 1,061,209.40 80,938,148.61

722,820.79 5,967,600.00 5,728.08 6,696,148.87 44,544,533.95

20,579,716.24 4,362,048.60 669,572.35 39,563.63 25,650,900.82

40,738,233.61 4,311,948.21 666,572.78 39,563.63 45,756,318.23

106,589,049.43

90,300,852.18

355,502.97 4,012,686.15 4,368,189.12

405,540.41 1,760,084.96 2,165,625.37

7,031,153.00 7,031,153.00 11,399,342.12

6,654,418.00 6,654,418.00 8,820,043.37

81,480,808.81 13,708,898.50 95,189,707.31

72,216,034.65 9,264,774.16 81,480,808.81

106,589,049.43

90,300,852.18

Liabilities and TLAA没s Equity Current Liabilities Unpaid Corporate Tax Accrued Expenses Total Current Liability Long-term Liability Staff Pension Reserve Total Long-term Liability Total Liability TLAA Equity Balance Brought Forward Add Income Over Expense Total TLAA Equity Total TLAA Liability and Equity

Note : This note is a part of the financial statement.

(Dr. Apirak Thaipatanagul) President

(Mr.Surasak Sujirakul) Treasurer

Annual Report 2006 The Thai Life Assurance Association

23


ß∫√“¬‰¥â - §à“„™â®à“¬ Statement of Income and Expenditure  ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 30 ¡‘∂ÿπ“¬π 2549 For the Year Ending on June 30, 2006 Àπ૬ : ∫“∑ / Unit : Baht

√“¬‰¥â Income ‡ß‘π§à“∫”√ÿß ¡“™‘° Membership Fee √“¬‰¥â®“°°“√ Õ∫μ—«·∑π Income from Agency License Tests ¥Õ°‡∫’Ȭ√—∫ Earned Interest √“¬‰¥â à«π·∫àß°”‰√®“°°“√®—¥ª√–™ÿ¡ EAIC Profit from EAIC Conference √“¬‰¥âÕ◊Ëπ Other Incomes √«¡√“¬‰¥â Total Income §à“„™â®à“¬ Expenses §à“„™â®à“¬‡°’ˬ«°—∫æπ—°ß“π Staff-related Expenses §à“„™â®à“¬ ”π—°ß“π Office Expenses ¿“…’¡Ÿ≈§à“‡æ‘Ë¡®“°°“√∂Ÿ°ª√–‡¡‘π (À¡“¬‡Àμÿ 9) Past-dued VAT Payment (See Note 9) §à“„™â®à“¬Õπÿ°√√¡°“√ Sub-committees Expenses √«¡§à“„™â®à“¬ Total Expenditure √“¬‰¥â Ÿß°«à“§à“„™â®à“¬°àÕπ¿“…’‡ß‘π‰¥â Pre-Tax Income Over Expenses ¿“…’‡ß‘π‰¥â Income Tax √“¬‰¥â Ÿß°«à“§à“„™â®à“¬ª√–®”ªï Income Over Annual Expenses

2549/2006

2548/2005

37,187,659.19

33,502,803.68

8,373,460.74

9,018,901.20

2,387,737.64

1,227,359.17

-

6,000,000.00

1,578,244.28

1,197,426.65

49,527,101.85

50,946,490.70

10,801,302.28

10,214,849.56

20,329,600.65

11,685,502.91

-

13,880,812.63

4,249,492.56

5,406,397.70

35,380,395.49

41,187,562.80

14,146,706.36

9,758,927.90

437,807.86

494,153.74

13,708,898.50

9,264,774.16

À¡“¬‡Àμÿª√–°Õ∫ß∫°“√‡ß‘π‡ªìπ à«πÀπ÷ËߢÕßß∫°“√‡ß‘ππ’È Note : This note is a part of the financial statement.

(¥√.Õ¿‘√—°…å ‰∑æ—≤π°ÿ≈) 𓬰 ¡“§¡ª√–°—π™’«‘μ‰∑¬

24

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬

(𓬠ÿ√»—°¥‘Ï  ÿ®‘√–°ÿ≈) ‡À√—≠≠‘° ¡“§¡


À¡“¬‡Àμÿª√–°Õ∫ß∫°“√‡ß‘π Financial Statement «—π∑’Ë 30 ¡‘∂ÿπ“¬π 2549 ·≈– 2548 June 30, 2006 and 2005

1. ¢âÕ¡Ÿ≈∑—Ë«‰ª General Information  ∂“π–¢Õß ¡“§¡ Status of TLAA

‡ªìππ‘μ‘∫ÿ§§≈μ—Èߢ÷Èπμ“¡°ÆÀ¡“¬‰∑¬ ‡¡◊ËÕ«—π∑’Ë 9 惻®‘°“¬π 2510 A juristic entity established under Thai law on November 9, 1967

 ∂“π∑’Ëμ—Èß ¡“§¡

‡≈¢∑’Ë 36/1 ´Õ¬ –æ“π§Ÿà ∂ππæ√–√“¡∑’Ë 4 ·¢«ß∑ÿàß¡À“‡¡¶ ‡¢μ “∑√ °√ÿ߇∑æ¡À“π§√ 10120 ª√–‡∑»‰∑¬ 36/1 Soi Sapanku, Rama IV Road, Thungmahamek, Sathorn, Bangkok 10120, Thailand

Office Address

≈—°…≥–°“√¥”‡π‘πß“π

Type of Operation

®”π«πæπ—°ß“π ≥ «—π∑’Ë 30 ¡‘∂ÿπ“¬π 2549 ·≈– 2548 No. of Employee as of June 30, 2006 and 2005 §à“„™â®à“¬‡°’ˬ«°—∫æπ—°ß“π ”À√—∫ªï 2549 ·≈– 2548 Staff-related Expenses in 2006 and 2005

‡ªìπÕߧå°√∑’ˉ¡àÀ«—ߺ≈°”‰√ μ—Èߢ÷Èπ‚¥¬¡’«—μ∂ÿª√– ß§å ¥—ßπ’È 1. ‡ªìπ»Ÿπ¬å√«¡¢ÕߺŸâª√–°Õ∫∏ÿ√°‘®ª√–°—π™’«‘μ 2. ‡ªìπμ—«·∑π„π°“√ª°ªÑÕß√—°…“º≈ª√–‚¬™πå¢ÕߺŸâ‡Õ“ª√–°—π 3.  π—∫ πÿπ·≈– à߇ √‘¡„Àâ¿“§∏ÿ√°‘®ª√–°—π™’«‘μ¡’°“√§«∫§ÿ¡¥Ÿ·≈°—π‡Õß 4.  à߇ √‘¡§«“¡°â“«Àπâ“∑“ß«‘™“°“√·≈–ª√–™“ —¡æ—π∏å„Àâª√–™“™π ‡ÀÁπª√–‚¬™πå¢Õß°“√ª√–°—π™’«‘μ Non-profit organization with the following objectives: 1. To serve as a center for life insurance business operators 2. To serve as a protector of the insuredûs interest 3. To promote self-regulation in life insurance business 4. To promote life insurance technical development and public awareness in life insurance

27 §π ·≈– 25 §π μ“¡≈”¥—∫ 27 and 25 respectively

10.80 ≈â“π∫“∑ ·≈– 10.21 ≈â“π∫“∑ μ“¡≈”¥—∫ 10.80 million baht and 10.21 million baht respectively

Annual Report 2006 The Thai Life Assurance Association

25


2. À≈—°‡°≥±å„π°“√®—¥∑”ß∫°“√‡ß‘π Financial Statement Preparation Criteria ß∫°“√‡ß‘ππ’ȉ¥â®—¥∑”¢÷Èπμ“¡À≈—°°“√∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª The financial statement has been prepared in accordance with generally accepted accounting principles. 3.  √ÿªπ‚¬∫“¬°“√∫—≠™’∑’Ë ”§—≠ Summary of Significant Accounting Policies 3.1 °“√√—∫√Ÿâ√“¬‰¥â·≈–§à“„™â®à“¬  ¡“§¡∫—π∑÷°√“¬‰¥â·≈–§à“„™â®à“¬μ“¡‡°≥±å§ß§â“ß Revenue and Expense Recognition TLAA recorded income and expenses based on accrual basis. 3.2 ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å · ¥ß„π√“§“∑ÿπ §à“‡ ◊ËÕ¡√“§“Õ“§“√·≈–Õÿª°√≥委π«≥‚¥¬ -  ‘π∑√—æ¬å∑’Ë¡’Õ¬Ÿà°àÕπ «—π∑’Ë 1 ¡°√“§¡ 2529 §”π«≥‚¥¬«‘∏’¬Õ¥§ß‡À≈◊Õ -  ‘π∑√—æ¬å∑’ˉ¥â¡“μ—Èß·μà «—π∑’Ë 1 ¡°√“§¡ 2529 §”π«≥‚¥¬«‘∏’‡ âπμ√ß Õ“¬ÿ°“√„™âß“π‚¥¬ª√–¡“≥¢Õß ‘π∑√—æ¬å¡’¥—ßπ’È Property, plant and equipment Property, plant and equipment were shown at cost. Depreciation of plant and equipment was calculated by: - Assets acquired before January 1, 1986 were calculated with future value method. - Assets acquired after January 1, 1986 were calculated with straight-line method. Estimated useful life of assets is in the following.

26

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬

√“¬°“√ Description

Õ“¬ÿ°“√„™âß“π (ªï) Period of Usage (No. of year)

Õ“§“√ Plant

20

‡§√◊ËÕß„™â ”π—°ß“π Office Equipment

5

‡§√◊ËÕßμ°·μàß ”π—°ß“π Office Miscellaneous

5


4. ‡ß‘π ¥·≈–‡ß‘πΩ“° ∂“∫—π°“√‡ß‘π ª√–°Õ∫¥â«¬ Cash and Deposits at Financial Institutions ®”π«π‡ß‘π Amount (Baht)

√“¬°“√ Description 2549/2006 ‡ß‘π ¥ Cash

2548/2005

154,800.00

20,000.00

(1,065,614.48)

(2,201,330.42)

‡ß‘πΩ“°ÕÕ¡∑√—æ¬å - ∏𓧓√‰∑¬æ“≥‘™¬å Savings Account - Siam Commercial Bank

3,412,297.81

3,957,340.70

‡ß‘πΩ“°ÕÕ¡∑√—æ¬å - ∏𓧓√°√ÿ߉∑¬ Savings Account - Krungthai Bank

2,155,576.93

379,580.69

728,458.99

-

8,845.43

-

1,053,923.06

-

6,448,287.74

2,155,590.97

‡ß‘πΩ“°°√–· √“¬«—π - ∏𓧓√‰∑¬æ“≥‘™¬å Current Account - Siam Commercial Bank

‡ß‘πΩ“°ÕÕ¡∑√—æ¬å - ∏𓧓√°√ÿß»√’Õ¬ÿ∏¬“ Savings Account - Bank of Ayudhya ‡ß‘πΩ“°ÕÕ¡∑√—æ¬å - ∏𓧓√∏π™“μ Savings Account - Thanachart Bank ‡™Á§„π¡◊Õ Cheque on hand √«¡ Total

Annual Report 2006 The Thai Life Assurance Association

27


5. ‡ß‘π≈ß∑ÿπ™—Ë«§√“« - ‡ß‘πΩ“°ª√–®” ª√–°Õ∫¥â«¬ Short-term Investment - Fixed Deposits Õ—μ√“¥Õ°‡∫’Ȭ Interest Rate 2549/2006 2548/2005

√“¬°“√ Description ‡ß‘πΩ“°ª√–®” 3 ‡¥◊Õπ - ∏𓧓√°√ÿß»√’Õ¬ÿ∏¬“ 3-month fixed deposits - Bank of Ayudhya

®”π«π‡ß‘π Amount (Baht) 2549/2006 2548/2005

4.00-4.75%

1.00%

14,000,000.00

5,517,670.33

‡ß‘πΩ“°ª√–®” 3 ‡¥◊Õπ - ∏𓧓√°√ÿ߇∑æ 3-month fixed deposits - Bangkok Bank

3.25%

1.00%

7,777,790.12

11,494,540.96

‡ß‘πΩ“°ª√–®” 3 ‡¥◊Õπ - ∏𓧓√∏π™“μ 3-month fixed deposits - Thanachart Bank

5.125%

-

8,000,000.00

-

‡ß‘πΩ“°ª√–®” 6 ‡¥◊Õπ - ∏𓧓√°√ÿß»√’Õ¬ÿ∏¬“ 6-month fixed deposits - Bank of Ayudhya

3.75%

-

16,546,117.47

-

‡ß‘πΩ“°ª√–®” 6 ‡¥◊Õπ - ∏𓧓√∏π™“μ 6-month fixed deposits - Thanachart Bank

4.25-4.75%

-

22,218,332.82

-

‡ß‘πΩ“°ª√–®” 12 ‡¥◊Õπ - ∏𓧓√‰∑¬∏𓧓√ 12-month fixed deposits - Bank Thai

5.00-5.25%

1.75-2.25%

3,000,000.00

17,218,332.82

71,542,240.41

34,230,544.11

√«¡ Total 6. ‡ß‘π≈ß∑ÿπ√–¬–¬“« - ‡ß‘πΩ“°ª√–®”∏𓧓√ ª√–°Õ∫¥â«¬ Long-term Investment - Fixed Deposits Õ—μ√“¥Õ°‡∫’Ȭ Interest Rate 2549/2006 2548/2005

√“¬°“√ Description ‡ß‘πΩ“°ª√–®” 24 ‡¥◊Õπ - ∏𓧓√°√ÿß»√’Õ¬ÿ∏¬“ 24-month fixed deposits - Bank of Ayudhya ‡ß‘πΩ“°ª√–®” 24 ‡¥◊Õπ - ∏𓧓√°√ÿ߉∑¬ 24-month fixed deposits - Krung Thai Bank ‡ß‘πΩ“°ª√–®” 24 ‡¥◊Õπ - ∏𓧓√‰∑¬∏𓧓√ 24-month fixed deposits - Bank Thai √«¡ Total

28

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬

®”π«π‡ß‘π Amount (Baht) 2549/2006 2548/2005 2548/2005 2548/2005

2.25%

2.25%

13,579,716.24

13,579,716.24

-

1.50%

-

20,158,517.37

2%

2%

7,000,000.00

7,000,000.00

20,579,716.24

40,738,233.61


7. ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å -  ÿ∑∏‘ Property, Plant and Equipment - Net 7.1 ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å · ¥ß¥â«¬¬Õ¥§ß‡À≈◊Õ ÿ∑∏‘‡π◊ËÕß®“°‰¡à “¡“√∂·¬°· ¥ß√“§“∑ÿπ·≈–§à“‡ ◊ËÕ¡√“§“  – ¡‰¥â ª√–°Õ∫¥â«¬ Property, plant and equipment are shown in net remaining value because cost and accumulated depreciation cannot be itemized. Àπ૬ : ∫“∑ / Unit : Baht √“¬°“√ 2549/2006 2548/2005 Description ∑’Ë¥‘π 1,800,000.00 1,800,000.00 Property Õ“§“√À≈—߇°à“ Old Plant

138,380.76

155,985.84

Õ“§“√À≈—ß„À¡à New Plant

555,043.58

714,159.33

 à«πª√—∫ª√ÿßÕ“§“√ Plant Improvement

17,480.54

19,845.54

‡§√◊ËÕß„™â ”π—°ß“π Office Equipment

23.00

23.00

2,510,927.88

2,690,013.71

179,085.83

179,085.83

√«¡ Total §à“‡ ◊ËÕ¡√“§“ª√–®”ªï Annual Depreciation

Annual Report 2006 The Thai Life Assurance Association

29


7.2 Õÿª°√≥å ∑’Ë “¡“√∂·¬°· ¥ß√“§“∑ÿπ·≈–§à“‡ ◊ËÕ¡√“§“ – ¡‰¥â ª√–°Õ∫¥â«¬ Equipment whose cost and accumulated depreciation can be itemized. Àπ૬ : ∫“∑ / Unit : Baht

√“¬°“√ Description

2549/2006

‡æ‘Ë¡¢÷Èπ Increase

2548/2005

7,837,558.33

832,836.90

8,670,395.23

-

36,272.08

36,272.08

7,837,558.33

869,108.98

8,706,667.31

6,215,623.83

634,288.83

6,849,912.66

-

5,633.93

5,633.93

√«¡ Total

6,215,623.83

639,922.76

6,855,546.59

Õÿª°√≥å- ÿ∑∏‘ Equipment-net

1,621,934.50

1,851,120.72

§à“‡ ◊ËÕ¡√“§“ª√–®”ªï Annual Depreciation

904,049.59

639,922.76

√“§“∑ÿπ Cost ‡§√◊ËÕß„™â ”π—°ß“π Office Equipment ‡§√◊ËÕßμ°·μàß ”π—°ß“π Office Miscellaneous √«¡ Total §à“‡ ◊ËÕ¡√“§“ – ¡ Accumulated Depreciation ‡§√◊ËÕß„™â ”π—°ß“π Office Equipment ‡§√◊ËÕßμ°·μàß ”π—°ß“π Office Miscellaneous

30

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬


8. ¿“√–ºŸ°æ—π Obligation ≥ «—π∑’Ë 30 ¡‘∂ÿπ“¬π 2549 ·≈– 2548  ¡“§¡¡’¿“√–ºŸ°æ—π®“°°“√ÕÕ°Àπ—ß ◊էȔª√–°—π¢Õß∏𓧓√æ“≥‘™¬å ®”π«π 0.28 ≈â“π∫“∑ ´÷ËߧȔª√–°—π‚¥¬‡ß‘πΩ“°∏𓧓√®”π«π 0.67 ≈â“π∫“∑ As of June 30, 2006 and 2005, TLAA assumed an obligation from the issuance of a letter of guaranty by commercial bank in the amount of 0.28 million baht. The obligation was guaranteed by the bank deposits of 0.67 million baht. 9. ¿“…’¡Ÿ≈§à“‡æ‘Ë¡®“°°“√∂Ÿ°ª√–‡¡‘π VAT from Audit „π√–À«à“ߪï 2548  ¡“§¡‰¥â∂Ÿ°ª√–‡¡‘π¿“…’¡Ÿ≈§à“‡æ‘Ë¡ ‡π◊ËÕß®“° ¡“§¡‰¡à‰¥â¬◊Ëπ¿“…’¢“¬„π à«π¢Õ߇ߑπ§à“∫”√ÿß  ¡“™‘°√«¡§à“‡∫’Ȭª√—∫·≈–‡ß‘π‡æ‘Ë¡‡ªìπ®”π«π‡ß‘π∑—Èß ‘Èπ 13.88 ≈â“π∫“∑ During the year of 2005, TLAA was audited the VAT by the Revenue Department in association with failure to file return on sales tax for membership fee including penalty resulting in the amount of 13.88 million baht. 10. °“√Õπÿ¡—μ‘ß∫°“√‡ß‘π Approval of Financial Statement ß∫°“√‡ß‘ππ’ȉ¥â√—∫Õπÿ¡—μ‘®“°°√√¡°“√ ¡“§¡·≈â« The financial statement has been approved by TLAA Board of Directors.

Annual Report 2006 The Thai Life Assurance Association

31


¿“«–‡»√…∞°‘®‰∑¬·≈–∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ ªï 2548-2549 Overview of Thai Economy and Thai Life Insurance Industry 2005 - 2006

°. ¿“«–‡»√…∞°‘®‰∑¬ªï 2548-2549

I. Thai Economy in 2005 - 2006

„πªï 2548 μ≈Õ¥∑—Èߪ√…∞°‘®‰∑¬¢¬“¬μ—«√âÕ¬≈– 4.5 ™–≈Õμ—«≈ß®“°√âÕ¬≈– 6.3 „πªï 2547 ‡π◊ËÕß¡“®“°°“√ àß ÕÕ° ÿ∑∏‘¢Õß ‘π§â“·≈–∫√‘°“√ª√—∫μ—« Ÿß¢÷Èπ ‚¥¬∑’ËÕÿª ß§å ¿“¬„πª√–‡∑»∑—Èß°“√„™â®à“¬·≈–°“√≈ß∑ÿπ™–≈Õμ—«≈ßμ“¡ ¿“«–√“§“πÈ”¡—π∑’Ë¡’·π«‚πâ¡ Ÿß¢÷ÈπÕ¬à“ßμàÕ‡π◊ËÕß  àߺ≈μàÕ °“√ª√—∫‡æ‘Ë¡μâπ∑ÿπ√“§“ ‘π§â“ √«¡∑—ÈßÕ—μ√“¥Õ°‡∫’Ȭ∏𓧓√ æ“≥‘™¬å·≈–Õ—μ√“¥Õ°‡∫’Ȭ‡ß‘π°Ÿâ°Á¡’°“√ª√—∫μ—«‡æ‘Ë¡ Ÿß¢÷Èπ‡™à𠇥’¬«°—π

The overall Thai economy in 2005 grew at the rate of 4.5% down from 6.3% in 2004. The driving force was the increasing level of net export of goods and services while the domestic demand, albeit spending and investment, experienced a slowdown due to persistent higher oil prices. This resulted in higher cost of product as well as higher interest rate from commercial banks and higher interest rate from loans.

Õ—μ√“°“√¢¬“¬μ—«¢Õ߇»√…∞°‘®‰∑¬

(% Change of Gross Domestic Product : GDP)

%

8.0 7.0 6.0 5.0 4.0 3.0 2.0 1.0

2543 2000

2544 2001

2545 2002

2546 2003

2547 2004

2548 2005

2549 2006

∑’Ë¡“ : ∏𓧓√·Ààߪ√–‡∑»‰∑¬ ≥ «—π∑’Ë 8 ‡¡…“¬π 2550 / Source : The Bank of Thailand as of 8 April 2007

 ”À√—∫º≈°√–∑∫Õ◊ËπÊ ‰¥â·°à Õ—μ√“‡ß‘π‡øÑÕ∑’ˇæ‘Ë¡ Ÿß¢÷È𠇪ìπÕ¬à“ß¡“° °“√‡¡◊Õß¿“¬„πª√–‡∑»‰¡à¡’‡ ∂’¬√¿“æ ¿—¬ ∏√√¡™“μ‘ ∑ ’ Ë ‡ °‘ ¥ ¢÷ È π À≈“¬§√— È ß ‰¥â ∑ ”≈“¬√–∫∫‡»√…∞°‘ ® „π ª√–‡∑» ‡Àμÿ°“√≥å°àÕ§«“¡‰¡à ß∫„π 3 ®—ßÀ«—¥™“¬·¥π¿“§ „μâ ·≈–‚√§‰¢âÀ«—¥π°∑’ˬ—ߧߡ’°“√√–∫“¥‡ªìπ√–¬–Ê

Other impacts include higher inflation rate, insecure domestic political situation, devastating natural occurrences ruining local economy, local unrests in 3 provinces along Southern borders, and Bird flu contagion.

Real GDP Growth 10

Q4-06=4.2 5

Q3-06=4.7 0

% -5 -15

Q1-98 Q3-98 Q1-99 Q3-99 Q1-00 Q3-00 Q1-01 Q3-01 Q1-02 Q3-02 Q1-03 Q3-03 Q1-04 Q3-04 Q1-05 Q3-05 Q1-06 Q3-06

-10

∑’Ë¡“ : ∏𓧓√·Ààߪ√–‡∑»‰∑¬ ≥ «—π∑’Ë 8 ‡¡…“¬π 2550 / Source : The Bank of Thailand as of 8 April 2007

32

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬


‡§√◊ËÕß™’ȇ»√…∞°‘®¡À¿“§¢Õ߉∑¬ Thailand Macro-Economic Indicators 2543/2000 2544/2001 2545/2002 2546/2003 2547/2004 2548/2005 2549/2006 2550/2007 proj. 1. ®”π«πª√–™“°√ (≈â“π§π) Population (millions) 2. º≈‘μ¿—≥±å„πª√–‡∑» GDP 2.1 º≈‘μ¿—≥±å√«¡ ≥ √“§“§ß∑’Ë ªï 2531 (æ—π≈â“π∫“∑) GDP at constant 1988 price (billion baht) (% °“√‡ª≈’ˬπ·ª≈ß) (% change) 2.2 º≈‘μ¿—≥±å√«¡ ≥ √“§“ ªí®®ÿ∫—π (æ—π≈â“π∫“∑) GDP at current price (billion baht) (% °“√‡ª≈’ˬπ·ª≈ß) (% change) 2.3 º≈‘μ¿—≥±åª√–™“™“μ‘ (∫“∑μàÕ§π) GNP per capita (baht) 3. Õ—μ√“‡ß‘π‡øÑÕ Inflation 3.1 ¥—™π’√“§“ºŸâ∫√‘‚¿§∑—Ë«‰ª (2545=100) Headline Consumer Price Index (2002=100) (% °“√‡ª≈’ˬπ·ª≈ß) (% change) 3.2 ¥—™π’√“§“ºŸâ∫√‘‚¿§æ◊Èπ∞“π (2545=100) Core Consumer Price Index (2002=100) (% °“√‡ª≈’ˬπ·ª≈ß) (% change) 4. ¿“§μà“ߪ√–‡∑» (æ—π≈â“π¥Õ≈≈“√å  √Õ.) External Account (billions of US$) †4.1  ‘π§â“ÕÕ° Export (% °“√‡ª≈’ˬπ·ª≈ß) (% change)

61.88

62.31

62.80

63.08

61.97

62.42

62.83

62.83

3,008.4

3,073.6

3,237.0

3,468.2

3,685.90

3,851.3

4,043.60

....

4.8

2.2

5.3

7.1

6.3

4.5

5.0

....

4,922.7

5,133.5

5,450.6

5,917.4

6,489.8

7,087.7

7,813.1

....

6.2

4.3

6.2

8.6

9.7

9.2

10.2

....

77,863

80,558

84,919

91,216

99,127

106,816

117,362

....

97.8

99.4

100.0

101.8

104.6

109.3

114.4

114.8

1.6

1.6

0.7

1.8

2.7

4.5

4.7

2.7

98.4

99.6

100.0

100.2

100.6

102.2

104.5

105.1

0.7

1.3

0.4

0.2

0.4

1.6

2.3

1.4

67.9

63.1

66.1

78.1

94.9

109.2

128.2

...

19.5

-7.1

4.8

18.2

21.6

15.0

17.4

....

Annual Report 2006 The Thai Life Assurance Association

33


2543/2000 2544/2001 2545/2002 2546/2003 2547/2004 2548/2005 2549/2006 2550/2007 proj. 4.2  ‘π§â“‡¢â“ Import (% °“√‡ª≈’ˬπ·ª≈ß) (% change) 5. Õ—μ√“¥Õ°‡∫’Ȭ (≥  ‘Èπªï) Interest rate (year end) †- ≈Ÿ°§â“™—Èπ¥’ MLR Prime rate - ‡ß‘πΩ“°ª√–®” ( 1 ªï) Fixed deposits (1 yr.) 6. Õ—μ√“·≈°‡ª≈’ˬπ ∫“∑ : ¥Õ≈≈“√å  √Õ. Exchange rate Baht : US$ †(Õ—μ√“Õâ“ßÕ‘ß) ‡©≈’ˬ (Reference rate) average 7.  ‘π‡™◊ËÕ„πª√–‡∑» : √«¡‡ß‘π ≈ß∑ÿπ (% °“√‡ª≈’ˬπ·ª≈ß) Domestic credit : Included investment (% change) -  ‘π‡™◊ËÕ‡Õ°™π Private (% °“√‡ª≈’ˬπ·ª≈ß) (% change) 8. ‡ß‘πΩ“° Deposit (% °“√‡ª≈’ˬπ·ª≈ß) (% change)

62.4

60.6

63.4

74.3

93.5

117.7

126.0

....

31.3

-3.0

4.6

17.4

25.7

25.9

7.0

....

7.50-8.25

7.00-7.50

7.50-8.00

7.50-8.00

3.5

2.75-3.00

2.0

1.0

1.0

2.50-3.50

4.00-5.00

3.50-4.50

40.2

44.5

43.0

41.5

40.3

40.3

37.9

35.7

-7.4

-6.1

7.8

1.0

6.3

3.2

1.2

....

-8.5

-7.5

8.5

3.1

5.9

2.4

0.5

....

5.3

4.0

2.5

4.4

2.6

8.4

5.7

....

6.50-7.00 5.50 - 5.75 5.50 - 5.75 6.50-6.75

∑’Ë¡“ : 1. ”π—°ß“π§≥–°√√¡°“√æ—≤π“°“√‡»√…∞°‘®·≈– —ߧ¡·Ààß™“μ‘ 2. ∏𓧓√·Ààߪ√–‡∑»‰∑¬ ≥ «—π∑’Ë 8 ‡¡…“¬π 2550 Source: 1. Office of the National Economic and Social Development Board 2. The Bank of Thailand as of 8 April 2007

„π§√÷Ëߪï·√°¿“«–‡»√…∞°‘®‰∑¬¡’§«“¡‡ ’ˬ߮“°°“√ ¢“¥¥ÿ≈∑“ß°“√§â“ ·≈–¥ÿ≈∫—≠™’‡¥‘π –æ—¥„π√–¥—∫ Ÿß ·μà„π ™à«ß§√÷ËߪïÀ≈—ß¡’°“√ àßÕÕ° ÿ∑∏‘¢Õß ‘π§â“·≈–∫√‘°“√ª√—∫μ—«¥’ ¢÷Èπ ‡π◊ËÕß®“°√—∞∫“≈¡’π‚¬∫“¬‡√àß√—¥°“√ àßÕÕ°·≈–°“√ ∫√‘À“√®—¥°“√π”‡¢â“ ‘π§â“ √«¡∑—Èß ¿“«°“√≥å°“√∑àÕ߇∑’ˬ« ‰¥â¡’°“√ª√—∫μ—«¥’¢÷ÈπÀ≈—ß®“°∑’Ë¡’°“√À¥μ—«„π™à«ß§√÷Ëߪï·√° ¥â«¬°“√ √â“ߧ«“¡‡™◊ËÕ¡—Ëπ„Àâ°—∫π—°∑àÕ߇∑’ˬ«

34

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬

Although Thai economy in the first half underwent the risk from trade deficit and high current account balance, the economy in the second half was helped by improved net export of goods and services which came from the countryûs focus on export and import goods management as well as recovery in tourism arena after a sharp drop-off in the first half due to lack of touristsû confidence.


”À√—∫‰μ√¡“  ÿ¥∑⓬¢Õߪï 2548 ∑“ߥâ“π°“√∫√‘‚¿§ ¢Õ߇հ™π¡’°“√¢¬“¬μ—«≈¥≈߇À≈◊Շ撬ß√âÕ¬≈– 4.0 ™–≈Õ μ—«≈ß®“° “¡‰μ√¡“ ·√° ´÷Ëß°”≈—ß´◊ÈÕ¢Õߪ√–™“™π≈¥≈ß¡’ °“√„™â®à“¬Õ¬à“ß√–¡—¥√–«—ß¡“°¢÷Èπ ‡π◊ËÕß¡“®“°°“√ª√—∫‡æ‘Ë¡ ¢÷Èπ¢Õß√“§“ ‘π§â“‚¥¬∑—Ë«‰ª·≈–√“§“πÈ”¡—πÕ¬à“ßμàÕ‡π◊ËÕß ·≈–®“°°“√ª√—∫μ—«‡æ‘Ë¡¢÷Èπ¢ÕßÕ—μ√“¥Õ°‡∫’Ȭ∑—Èß„πμ≈“¥∑ÿπ μ≈“¥‡ß‘π ¢≥–‡¥’¬«°—π°“√≈ß∑ÿπ°Á¬—߉¥â™–≈Õμ—«≈ß®“° “¡ ‰μ√¡“ ·√°‡™àπ‡¥’¬«°—π

During the last quarter of 2005, the private consumption dropped to 4.0%, a considerable decline from the first three quarter, as the consumers pulled back their spending. Price hike on generic products, ever-increasing oil prices, and rising interest rate in the equity and money market were contributing factors to the pullback. Meanwhile, the investment slowed down from the first three quarter as well.

‚¥¬√«¡·≈â«μ≈Õ¥∑—Èߪï 2548 ¿“§‡Õ°™π¡’°“√„™â®à“¬ ·≈–°“√≈ß∑ÿπ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 4.4 ·≈–√âÕ¬≈– 11.2 μ“¡ ≈”¥—∫ „π∑’Ëπ’È°“√≈ß∑ÿπ„π°“√°àÕ √â“ß¡’°“√™–≈Õμ—«‡π◊ËÕß¡“ ®“°§«“¡μâÕß°“√„π∑’ËÕ¬ŸàÕ“»—¬¢Õߪ√–™“™π≈¥≈߇æ√“– μâÕß¡’°“√„™â®à“¬Õ¬à“ß√–¡—¥√–«—ß  à«π¿“§√—∞¬—ߧߡ’°“√ ≈ß∑ÿπ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 10.6 ·≈–°“√„™â®à“¬¢Õß√—∞∫“≈‡æ◊ËÕ°“√ Õÿª‚¿§∫√‘‚¿§‰¥â‡æ‘Ë¡¢÷Èπ∂÷ß√âÕ¬≈– 12.0

All through 2005, the private consumption and investment was up 4.4% and 11.2% respectively whereby investment in construction showed sign of a slowdown due to declining need in residence from general public because of spending pullback. The governmentûs investment was up 10.6% while the governmentûs spending on consumption grew 12%.

∑“ߥâ“π°“√ àßÕÕ°„πª≈“¬ªï‰¥â¡’°“√™–≈Õμ—«≈߇™à𠇥’¬«°—∫°“√ àßÕÕ°¢Õß¿Ÿ¡‘¿“§‡Õ‡™’¬∑’Ë¡’°“√™–≈Õμ—« Õ“∑‘ ‡™àπ ®’π ‡°“À≈’„μâ  ‘ߧ‚ª√å ·≈–øî≈‘ªªîπ å ‡π◊ËÕß¡“®“° §à“‡ß‘π„π¿Ÿ¡‘¿“§∑’Ë Ÿß¢÷Èπ Õ’°∑—Èߪ√–‡∑»‰∑¬μâÕß¡’°“√·¢àߢ—π ¥â“πμâπ∑ÿπ°“√º≈‘μ°—∫ª√–‡∑»∑’Ë¡’μâπ∑ÿπ°“√º≈‘μ∑’ËμË”°«à“ ‡™à𠮒𠇫’¬¥π“¡ ·≈–ª√–‡∑»„π·∂∫¿Ÿ¡‘¿“§Õ‡¡√‘°“„μâ ·≈–Õ‡¡√‘°“°≈“ß  àߺ≈„Àâ√“§“ àßÕÕ°¢Õ߉∑¬™–≈Õμ—«≈ß Õ¬à“߉√°Áμ“¡‚¥¬√«¡·≈â«°“√ àßÕÕ°¢Õ߉∑¬μ≈Õ¥∑—Èߪﬗߡ’ ¡Ÿ≈§à“Õ¬Ÿà„π‡°≥±å∑’Ë¥’·≈–πà“æÕ„®

Thai exports suffered the same downturn at the end of the year as its ASEAN exporting countries, such as China, South Korea, Singapore and Philippines, resulting from stronger currencies in the region. Another negative factor for Thailand centered around intense competition on cost of production with countries with lower cost of production, i.e., China, Vietnam, and countries from Central and South America, resulting in weak export prices. However, Thai exports value in general remained robust and satisfactory.

„π™à«ßª≈“¬ªïπ—Èπ ¥â“π°“√π”‡¢â“ ‘π§â“®“°μà“ߪ√–‡∑» ¢Õ߉∑¬¡’°“√™–≈Õμ—«≈ßÕ¬à“ßμàÕ‡π◊ËÕß ‡ªìπº≈¡“®“°°“√π” ‡¢â“„πÀ¡«¥πÈ”¡—π‰¥â™–≈Õμ—«≈ßμ“¡ª√‘¡“≥°“√π”‡¢â“ √«¡ ∑—Èß°“√π”‡¢â“∑Õߧ”°Á™–≈Õμ—«≈ß °“√π”‡¢â“‡À≈Á°°Á≈¥≈ß ‡™à 𠇥’ ¬ «°— π ·μà ° “√π”‡¢â “ „πÀ¡«¥ ‘ π §â “ ∑ÿ π ·≈–À¡«¥ «—μ∂ÿ¥‘∫¬—ߧߡ’°“√‡æ‘Ë¡¢÷Èπ Ÿß ‡π◊ËÕß¡“®“°¬—ß¡’°“√º≈‘μ·≈– °“√≈ß∑ÿπ∑’ˇæ‘Ë¡Õ¬Ÿà ·≈–¡Ÿ≈§à“°“√π”‡¢â“∑’Ë¡’°“√™–≈Õμ—« ™â“°«à“°“√™–≈Õμ—«¢Õß°“√ àßÕÕ°  àߺ≈„Àâª√–‡∑»°≈—∫¡“ ¢“¥¥ÿ≈°“√§â“Õ’°§√—ÈßÀπ÷Ëß ·μà‡¡◊ËÕ√«¡°—∫°“√‡°‘π¥ÿ≈¢Õß ∫√‘°“√·≈–‡ß‘π‚Õπ∑’ˬ—ß ŸßÕ¬Ÿà ®÷ß∑”„Àâ¥ÿ≈∫—≠™’‡¥‘π –æ—¥‡°‘π ¥ÿ≈Õ¬Ÿà‡≈Á°πâÕ¬ ‚¥¬√«¡·≈â«μ≈Õ¥∑—Èߪï‰∑¬¢“¥¥ÿ≈°“√§â“·≈–

Thai imports of foreign goods gradually declined toward the end of the year in response to a pullback in oil, gold and steel imports. However, the imports under capital goods and raw materials remained high due to high level of production and investment. With the decline of value of imports was much slower than the decline of value of exports, Thai economy experienced trade deficit once again. But combined with trade surplus from service sector and relatively high balance of transfer, Thai economy still showed slight positive current account balance. The overall Thai trade balance and current account balance were in a deficit

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∫—≠™’‡¥‘π –æ—¥¢“¥¥ÿ≈ ∂÷ß·¡â«à“¥ÿ≈∫√‘°“√ √“¬‰¥â·≈– ‡ß‘π‚Õπ∑’ˇ°‘π¥ÿ≈Õ¬Ÿà‡æ’¬ß‡≈Á°πâÕ¬ °Á‰¡à‡æ’¬ßæÕ∑’Ë®–π”¡“ ™¥‡™¬°—∫°“√¢“¥¥ÿ≈°“√§â“‰¥â  √ÿª‰¥â«à“‰∑¬¢“¥¥ÿ≈‡π◊ËÕß¡“ ®“°√“§“πÈ”¡—π «—μ∂ÿ¥‘∫ª√–‡¿∑‡À≈Á°·≈–∑Õߧ”∑’ˬ—ß¡’ °“√π”‡¢â“„πÕ—μ√“∑’Ë ŸßÕ¬Ÿà ‚¥¬√«¡„πªï 2548 ‰∑¬‡°‘¥¿“«–‡ß‘π‡øÑÕ∑’Ë Ÿß¢÷Èπ¡“° °“√¢“¥¥ÿ ≈ ∫— ≠ ™’ ‡ ¥‘ π  –æ— ¥ ‰¥â ° ≈“¬‡ªì π ·√ß°¥¥— π μà Õ ‡ ∂’¬√¿“æ·≈–§«“¡¡—Ëπ§ß¢Õß¿“«–‡»√…∞°‘®‰∑¬  ”À√—∫ Õ—μ√“°“√«à“ßß“π„πªï 2548 ≈¥≈߇π◊ËÕß®“°¡’°“√®â“ßß“π ‡æ‘Ë¡¢÷Èπ πÕ°®“°π’Ȭ—ß¡’·√ß°¥¥—π®“°√“§“ ‘π§â“∑’ˇæ‘Ë¡ Ÿß¢÷Èπ Õ¬à“ßμàÕ‡π◊ËÕß ‡π◊ËÕß¡“®“°μâπ∑ÿπ°“√º≈‘μ∑’ˇæ‘Ë¡ Ÿß¢÷Èπμ“¡ √“§“πÈ”¡—π¥’‡´≈·≈–√“§“«—μ∂ÿ¥‘∫∑’Ë„™â„π°“√º≈‘μ πÕ°®“° π’È¥—™π’√“§“ºŸâº≈‘쉥â‡æ‘Ë¡‡√Á«°«à“¥—™π’√“§“ºŸâ∫√‘‚¿§ àߺ≈„À⺟⠺≈‘ μ º≈— ° ¿“√–¢Õßμâ π ∑ÿ 𠉪¬— ß ºŸ â ∫ √‘ ‚ ¿§  à ß º≈„Àâ Õ — μ √“ ‡ß‘π‡øÑÕ¬—ߧߡ’·π«‚πâ¡ Ÿß¢÷ÈπÕ¬à“ßμàÕ‡π◊ËÕß ∑“ߥâ“π¿“§°“√‡ß‘π Õ—μ√“¥Õ°‡∫’Ȭ‰¥â¡’°“√ª√—∫ Ÿß¢÷Èπ Õ¬à“ßμàÕ‡π◊ËÕß  àߺ≈„Àâ¡’°“√Ω“°‡ß‘π∏𓧓√æ“≥‘™¬å‡æ‘Ë¡¢÷Èπ ‚¥¬‡©æ“–‡ß‘πΩ“°ª√–®”√–¬–¬“«¡’Õ—μ√“°“√¢¬“¬μ—«Õ¬à“ß ™—¥‡®π  à«π°“√¢¬“¬μ—«¢Õß∑“ߥâ“π ‘π‡™◊ËÕ‡√‘Ë¡¡’ —≠≠“≥ ™–≈Õμ—« ‡π◊ËÕß¡“®“°∏𓧓√·≈–∫√‘…—∑‡ß‘π∑ÿπª≈àÕ¬ ‘π‡™◊ËÕ ·°à¿“§∏ÿ√°‘®‰¥â™–≈Õμ—«≈ß  à«π ‘π‡™◊ËÕ∑’Ë„Àâ·°à∏ÿ√°‘®μ—«°≈“ß ∑“ß°“√‡ß‘π‰¥â¡’°“√ª√—∫μ—«‡æ‘Ë¡¢÷Èπ‡≈Á°πâÕ¬ ·≈–®“°°“√ ¢¬“¬μ—«¢Õß ‘π‡™◊ËÕ∑’Ë™–≈Õμ—«π’È àߺ≈μàÕ ¿“æ§≈àÕß„π√–∫∫ ∏𓧓√„Àâ≈¥≈߇≈Á°πâÕ¬ ·μà‚¥¬√«¡·≈â« ¿“æ§≈àÕߢÕß μ≈“¥‡ß‘π¬—ßÕ¬Ÿà„π√–¥—∫∑’Ë Ÿß  à«πÕ—μ√“¥Õ°‡∫’Ȭ√–¬–¬“«¢Õß∏𓧓√æ“≥‘™¬å∑’Ë¡’°“√ ª√—∫μ—«‡æ‘Ë¡ Ÿß¢÷ÈπÕ¬à“ßμàÕ‡π◊ËÕßπ—Èπ „π‰μ√¡“  ÿ¥∑⓬¢Õßªï ‰¥â¡’°“√ª√—∫‡æ‘Ë¡¢÷ÈπÕ’° 2 §√—Èß §√—Èß·√°ª√—∫‡¡◊ËÕ ‘Èπ‰μ√¡“  3 ‡ªìπ√âÕ¬≈– 3.25 μàÕªï ·≈–‡¡◊ËÕ ‘Èπ‰μ√¡“  4 ª√—∫‡ªìπ√âÕ¬ ≈– 4.0 μàÕªï  àߺ≈„ÀâÕ—μ√“¥Õ°‡∫’Ȭ√–¬– —Èπ„πμ≈“¥‡ß‘π ª√—∫μ—«‡æ‘Ë¡¢÷Èπμ“¡∑—π∑’ √«¡∑—Èß∑”„ÀâÕ—μ√“º≈μÕ∫·∑π¢Õß æ—π∏∫—μ√√–¬– —Èπ‰¥â¡’°“√‡§≈◊ËÕπ‰À«‰ª„π∑‘»∑“߇¥’¬«°—π æ√âÕ¡∑—Èß¡’°“√ àߺà“ππ‚¬∫“¬°“√‡ß‘π‰ª ŸàÕ—μ√“¥Õ°‡∫’Ȭ‡ß‘π Ω“°·≈–‡ß‘π°ŸâÕ¬à“ß™—¥‡®π ∏𓧓√æ“≥‘™¬å¢π“¥„À≠à 5 ·Ààß ª√—∫‡æ‘Ë¡Õ—μ√“¥Õ°‡∫’Ȭ‡ß‘πΩ“°·≈–‡ß‘π°Ÿâ¢÷ÈπÕ¬à“ßμàÕ ‡π◊ËÕß ·¡â«à“®–¡’ ¿“æ§≈àÕ߇À≈◊ÕÕ¬Ÿà¡“° ‚¥¬∑’ËÕ—μ√“¥Õ°

36

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬

for the entire year despite positive balance of service and transfer. In short, Thai economy incurred trade deficit in response to prices of oil and raw materials like iron and gold. In 2005, Thailand, by far, had to endure rising inflation situation and deficit current account balance that weighted heavily on the stability and security of Thai economy. In reference to the rate of unemployment in 2005, it showed a decline as a result of improved employment picture. Besides, there was continuing pressure from ever-rising product prices due to higher cost of production as the price of diesel and raw material used in the production kept on rising. Meanwhile, as long as the producer insisted on passing higher production cost to the consumer at the time that the producer price index outpaced the consumer price index at a much faster rate; the rate of inflation would remain on an upward trend. In the financial sector of the economy, rising interest rate attributed to higher level of savings among commercial banks, especially into a product like long-term fixed deposit. In the lending side, there was sign of a slowdown due to the fact that banks and commercial lenders pulled back the lending. The lending to financial intermediaries saw a slight upward movement. With the slowdown in the lending business, it slightly reduced the liquidity in the banking sector. However the overall liquidity of the financial market remained at a high level. Long-term interest rate of commercial banks remained in the upward trend through the last quarter of the year where there were two rate hikes. The first rate hike at the end of third quarter moved the interest rate to 3.25%. The second rate hike at the end of fourth quarter took the interest rate to 4.0%. The effect of two rate hikes immediately sent short-term interest rate up as well as caused the yield on short-term treasury bills to move in the same direction. Such monetary policy had been clearly passed on to the interest rates of savings and loans. Five major commercial banks continued to raise their interest rates of savings and loans even though there was evidence


‡∫’Ȭ‡ß‘πΩ“°ª√–®” 3 ‡¥◊Õπ·≈– 1 ªï ª√—∫ Ÿß¢÷ÈπÕ¬à“ß™—¥‡®π ‡¡◊ËÕ ‘Èπªï‰¥âª√—∫‡ªìπ√âÕ¬≈– 2.4 ·≈– 2.94 μ“¡≈”¥—∫ „π¢≥– ∑’ËÕ—μ√“¥Õ°‡∫’Ȭ‡ß‘πΩ“°ÕÕ¡∑√—æ¬å¬—߉¡à¡’°“√‡ª≈’ˬπ·ª≈ß·μà Õ¬à“ß„¥ æ√âÕ¡°—ππ’ȉ¥â¡’°“√ª√—∫Õ—μ√“¥Õ°‡∫’Ȭ‡ß‘π°Ÿâ MLR ®“°√âÕ¬≈– 6.25 ‡ªìπ√âÕ¬≈– 6.55

of plenty liquidity in the market. That resulted in interest rates of 3-month and 1-year fixed deposit moving higher to end the year at 2.4% and 2.94% respectively. Meanwhile, interest rate for savings account had yet to change, the interest rate for MLR loan moved from 6.25% to 6.55%.

 ”À√—∫Àπ’È NPLs ≥  ‘Èπªï 2548 ‰¥â≈¥≈ß®“°‰μ√¡“  3 ‡π◊ËÕß®“°¡’¢âÕ √ÿª∑’Ë™—¥‡®π„π°“√ª√—∫ª√ÿß‚§√ß √â“ßÀπ’È·≈– ‡√‘Ë¡¡’°“√™”√–Àπ’È∫“ß à«π¢Õß∫√‘…—∑∑’æ’‰Õ ´÷Ë߇ªìπ≈Ÿ°Àπ’È√“¬ „À≠à  àߺ≈„Àâ∏𓧓√æ“≥‘™¬å¡’‡ß‘π ”√Õß ”À√—∫√Õß√—∫°“√ ¢¬“¬μ—«¢Õß ‘π‡™◊ËÕ„πªï 2549 ¡“°¢÷Èπ „π¢≥–∑’Ë ‘π∑√—æ¬å√Õ °“√¢“¬ÕÕ°§à Õ π¢â “ ß∑√ßμ— « ‰¡à ¡ ’ ° “√‡ª≈’ Ë ¬ π·ª≈ß„Àâ ‡ ÀÁ π ™—¥‡®π‡∑à“„¥π—°

NPL loans, at the end of 2005, declined from the third quarter where there was conclusive agreement in the debt restructuring and repayment a portion of TPI loan, considered the largest outstanding loans at the time. This resulted in increased reserve to support loan expansion by commercial bank in 2006 while any decisive changes had yet to materialize for NPA.

„πªï 2549 ‡»√…∞°‘ ® ‰∑¬¡’ ° “√¢¬“¬μ— « √â Õ ¬≈– 5  ”À√—∫ªí®®—¬μà“ßÊ∑’Ë àߺ≈μàÕ¿“«–‡»√…∞°‘®„π™à«ß√–¬–‡«≈“ ¥—ß°≈à“«¡’¥—ßπ’È

In 2006, Thai economy grew 5.5% to end the second quarter. There were several contributing factors that led to Thai economy over these periods as followed.

ªí®®—¬‡ ’ˬ߷≈–¢âÕ®”°—¥¿“¬πÕ° 1) √“§“πÈ”¡—π„πμ≈“¥‚≈°∑’ˬ—ߧߺ—πº«πÕ¬à“ß√ÿπ·√ß ·≈–‡æ‘Ë¡ Ÿß¢÷ÈπÕ¬à“ßμàÕ‡π◊ËÕß Õ—π‡π◊ËÕß¡“®“°√–¥—∫§«“¡ μâÕß°“√∫√‘‚¿§πÈ”¡—π¥‘∫¬—ßÕ¬Ÿà„π√–¥—∫ Ÿß ‚¥¬‡©æ“–§«“¡ μâÕß°“√¢Õß®’π·≈– À√—∞œ‡ªì𠔧—≠ Õ’°∑—Èß°”≈—ß°“√º≈‘μ πÈ”¡—π¬—ߧߡ’§«“¡μ÷ßμ—« ‡ªìπªí®®—¬ ”§—≠∑’Ë àߺ≈°√–∑∫μàÕ §«“¡º—πº«π¢Õß√“§“πÈ”¡—π„π¢≥–π—Èπ  ∂“π°“√≥姫“¡ ‰¡à·πàπÕπ·≈–§«“¡¢—¥·¬âß∑“ß°“√‡¡◊ÕߢÕߪ√–‡∑»ºŸâº≈‘μ πÈ”¡—π∑’Ë¡’·π«‚π⡬◊¥‡¬◊ÈÕ ¡’°“√‡°Áß°”‰√¢Õß°Õß∑ÿπª√–°—𠧫“¡‡ ’ˬßμà“ßÊ ¿“¬„μ₧√ß √â“ߥâ“𧫓¡μâÕß°“√·≈– ‡ß◊ËÕπ‰¢¥â“π°“√º≈‘μ∑’Ë¡’§«“¡º—πº«π Õ¬à“߉√°Áμ“¡¬—ß¡’  —≠≠“≥∑’Ë¥’«à“√“§“πÈ”¡—π®–¬—ߧ߉¡à‡æ‘Ë¡®“°‡¥‘¡¡“°π—° ‡π◊ËÕß¡“®“°°“√ª√–™ÿ¡¢Õß°≈ÿà¡ OPEC ‰¥â¡’¡μ‘∑’˪√–™ÿ¡ ¬◊π¬—π«à“®–¬—ߧ߉¡à≈¥°”≈—ß°“√º≈‘μπÈ”¡—π¥‘∫≈ß Õ’°∑—Èß‚√ß °≈—ËππÈ”¡—π„π À√—∞œ ‡√‘Ë¡∑¬Õ¬≈¥°”≈—ß°“√°≈—Ëπ≈ß ‡æ◊ËÕ´àÕ¡ ∫”√ÿߪ√–®”ªï  àߺ≈„À⧫“¡μâÕß°“√„™âπÈ”¡—π≈¥≈ß

Risk Factors and External Limitations 1) Oil prices in the world market had been extremely volatile and remained on an upward trend in response to high level of demand for crude oil consumption mainly from China and the US. Meanwhile, another critical factor contributing to the volatility in the oil price at the time was the tight production capacity. Uncertainty and political conflict among oil exporting countries could prolong. There was profit-taking on several protection funds designed to safeguard structure in term of production needs and conditions which remained volatile. However, there were signs pointing to stable pricing due to the fact that the resolution from OPEC meeting to keep the crude oil production steady as well as the refineries in the US to scale down refinery activities for annual maintenance which contributed to declining oil consumption.

2) Õ—μ√“¥Õ°‡∫’Ȭ„πμ≈“¥‡ß‘π¬—ߧߡ’·π«‚π⡇æ‘Ë¡ Ÿß¢÷Èπ Õ¬à “ ßμà Õ ‡π◊ Ë Õ ß  à ß º≈μà Õ °“√™–≈Õμ— « °“√¢¬“¬μ— « ∑“ß ‡»√…∞°‘®¢Õߪ√–‡∑»„π¿Ÿ¡‘¿“§μà“ßÊ ¡’º≈μàÕ°“√ àßÕÕ° ¢Õ߉∑¬‡™àπ‡¥’¬«°—π ·≈–πÕ°®“°π’ÈÕ—μ√“¥Õ°‡∫’Ȭ„πμ≈“¥

2) Interest rates in the financial market continued to move upward resulting in a deceleration in the countryûs economic expansion in many regions and affecting the countryûs export as well. Furthermore, rising interest rate in

Annual Report 2006 The Thai Life Assurance Association

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‡ß‘π√–À«à“ߪ√–‡∑»∑’Ë Ÿß¢÷Èπ‡ªìπªí®®—¬ ”§—≠∑’Ë∑”„Àâ∏𓧓√ ·Ààߪ√–‡∑»‰∑¬μ—¥ ‘π„®ª√—∫‡æ‘Ë¡Õ—μ√“¥Õ°‡∫’Ȭπ‚¬∫“¬ ¿“¬„πª√–‡∑»

the financial market aboard was a driving force that made Bank of Thailand decide to raise the domestic interest rate.

3) ‡»√…∞°‘ ® ‚≈°¬— ß ¡’ § «“¡‡ ’ Ë ¬ ßμà Õ °“√ª√— ∫ μ— « ®“° ªí≠À“§«“¡‰¡à ¡¥ÿ≈  àߺ≈∑”„À⇰‘¥§«“¡¢—¥·¬âß∑“ß°“√ §â“√–À«à“ß À√—∞œ·≈–®’π ∑”„Àâ¿“«–‡»√…∞°‘®¢Õß À√—∞œ ®’π ·≈–‡Õ‡™’¬¡’°“√™–≈Õμ—«≈ß „π¢≥–∑’ˇ»√…∞°‘®≠’˪ÿÉπ‰¥â ¡’°“√¢¬“¬μ—«¥’¡“° ‡»√…∞°‘®¢Õ߇°“À≈’„μâ·≈– À¿“æ ¬ÿ‚√ªøóôπμ—«¥’¢÷Èπμ“¡≈”¥—∫

3) World economy remained vulnerable to the correction from imbalances triggered the trade conflict between the US and China resulting in a slowdown of economic activities of the US, China and Asia. At the same time, the Japanese economy expanded at a healthy rate along with Korean and EU economy.

ªí®®—¬‡ ’ˬ߷≈–¢âÕ®”°—¥¿“¬„πª√–‡∑» 1) Õ—μ√“‡ß‘π‡øÑÕ∑’ˇæ‘Ë¡ Ÿß¢÷Èπμ—Èß·μà§√÷ËßÀ≈—ߪï 2548  àß º≈¡“®π∂÷ߪï 2549 ∂◊Õ«à“‡ªìπ¢âÕ®”°—¥„π°“√„™â®à“¬¢Õß¿“§ §√—«‡√◊Õπ ·≈–¡’º≈μàÕ°“√μ—¥ ‘π„®„π°“√≈ß∑ÿπ¢Õß¿“§ ∏ÿ√°‘®‡Õ°™π 2) Õ—μ√“¥Õ°‡∫’Ȭ„πμ≈“¥‡ß‘π¡’·π«‚πâ¡ Ÿß¢÷ÈπÕ¬à“ßμàÕ ‡π◊ËÕßμ“¡π‚¬∫“¬°“√‡ß‘π∑’ˇ¢â¡ß«¥¡“°¢÷Èπ ∑—Èßπ’ȇæ◊ËÕ√—°…“ ‡ ∂’¬√¿“æ¢Õ߇»√…∞°‘®  àߺ≈„Àâª√–™“™π¡’°“√„™â®à“¬ Õ¬à“ß√–¡—¥√–«—ß·≈–¿“§∏ÿ√°‘®°Á¡’§«“¡√–¡—¥√–«—ß„π°“√ ≈ß∑ÿπ¡“°¬‘Ëߢ÷Èπ  “¡“√∂≈¥·√ß°¥¥—π®“°®“°¿“«–‡ß‘π‡øÑÕ ∑’ˇæ‘Ë¡ Ÿß¢÷Èπ®“°§«“¡μâÕß°“√ ‘π§â“·≈–∫√‘°“√≈߉¥â

Risk Factors and Domestic Limitations 1) Rising inflation rate, since the second half of 2005, persisted to the year of 2006 and curbed the household spending. The same effect also impacted the investment decision making of private business sector. 2) Interest rate in the financial market continued on an upward trend in response to tighter monetary policy in order to maintain economic stability. This caused the general public to reign in their spending and the business sector to tighten their investment. Continuing on such monetary policy could reduce the inflationary pressure caused by the consumption of goods and services. 3) High potential of deficit trade balance could be attributed to high level of crude oil price which led to appropriate management of imports. 4) Political uncertainty that led to the abolishment of Parliament on 24 February 2006 shook the investorsû confidence and their investment consideration. However, certain investment projects which had gained the government budget approval would be allowed to proceed without much impact to the rest of the economy because of moderate strength in the countryûs economic fundamental. As for the direction of overall economic policy, the government weighted heavily to strengthen structural economic reform to compete with foreign countries. In addition, there was an evidence of fiscal and financial discipline to foster economic stability as well as to promote international cooperation to strengthen production potential of the country.

3) ¥ÿ≈°“√§â“¡’·π«‚πâ¡¢“¥¥ÿ≈ Ÿß ‡π◊ËÕß®“°√“§“πÈ”¡—𠥑∫∑’ˬ—ß∑√ßμ—«Õ¬Ÿà„π√–¥—∫ Ÿß  àߺ≈„ÀâμâÕß¡’°“√∫√‘À“√ ®—¥°“√°“√π”‡¢â“∑’ˇÀ¡“– ¡ 4) °“√‡ª≈’ˬπ·ª≈ß∑“ß°“√‡¡◊Õß∑’Ë¡’°“√¬ÿ∫ ¿“‡¡◊ËÕ«—π ∑’Ë 24 °ÿ¡¿“æ—π∏å 2549  àߺ≈°√–∑∫μàÕ§«“¡‡™◊ËÕ¡—Ëπ¢Õßπ—° ≈ß∑ÿπ·≈–°“√μ—¥ ‘π„®„π°“√≈ß∑ÿπ Õ¬à“߉√°Áμ“¡¬—ß¡’ ‚§√ß°“√≈ß∑ÿπ∫“ß‚§√ß°“√∑’¿Ë “§√—∞‰¥â¡°’ “√Õπÿ¡μ— ß‘ ∫ª√–¡“≥ „Àâ·≈â« ¥—ßπ—Èπ®–¬—ߧߡ’°“√¥”‡π‘π°“√μàÕ‰ª‚¥¬‰¡à àߺ≈ °√–∑∫μàÕ‡»√…∞°‘®‚¥¬√«¡ ‡π◊ÕË ß®“°«à“æ◊πÈ ∞“π∑“߇»√…∞°‘® ¢Õ߉∑¬§àÕπ¢â“ß·¢Áß·√ß ∑‘»∑“ß°“√¥”‡π‘ππ‚¬∫“¬∑“ß ‡»√…∞°‘® √—∞∫“≈¬—ߧ߄À⧫“¡ ”§—≠„π°“√ª√—∫‚§√ß √â“ß ‡»√…∞°‘®„Àâ¡’§«“¡·¢Áß·°√àß “¡“√∂·¢àߢ—π°—∫μà“ߪ√–‡∑» ‰¥â πÕ°®“°π’Ȭ—ß¡’°“√√—°…“«‘π—¬∑“ß°“√‡ß‘π·≈–°“√§≈—ß ‡æ◊ËÕ„À⇰‘¥§«“¡¡’‡ ∂’¬√¿“æ∑“߇»√…∞°‘® √«¡∑—È߬—ß¡’°“√  à߇ √‘¡§«“¡√à«¡¡◊Õ√–À«à“ߪ√–‡∑»∑’Ë®–™à«¬‡æ‘Ë¡»—°¬¿“æ ∑“ß°“√º≈‘μ¢Õߪ√–‡∑»‰¥â‡ªìπÕ¬à“ߥ’

38

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬


ªí®®—¬ π—∫ πÿπ°“√¢¬“¬μ—« 1) √—∞∫“≈¡’°“√¥”‡π‘πß“ππ‚¬∫“¬¥â“π°“√ª√–À¬—¥ æ≈—ßß“π ‚¥¬ à߇ √‘¡„Àâ¡’°“√„™âæ≈—ßß“πÕ◊Ëπ∑¥·∑𠇪ìπ à«π  π—∫ πÿπ≈¥°“√¢“¥¥ÿ≈°“√§â“·≈–¥ÿ≈∫—≠™’‡¥‘π –æ—¥ 2) √—∞∫“≈¡’°“√ à߇ √‘¡°“√ àßÕÕ°·≈–∫√‘À“√®—¥°“√ °“√π”‡¢â“„Àâ¡’§«“¡‡À¡“– ¡ 3) √—∞∫“≈‰¥â‡√àß°“√ª√–™“ —¡æ—π∏å·≈– √â“ߧ«“¡‡™◊ËÕ ¡—Ëπ·°π—°∑àÕ߇∑’ˬ«∑—Èß„π·≈–μà“ߪ√–‡∑» „Àâ°≈—∫¡“∑àÕ߇∑’ˬ« „πª√–‡∑»‰∑¬À≈—ß®“°∑’ˇ°‘¥¿—¬æ‘∫—μ‘∑“ß∏√√¡™“μ‘·≈–§«“¡ ‰¡à ß∫„π 3 ®—ßÀ«—¥™“¬·¥π¿“§„μâ  àߺ≈„Àâ°“√∑àÕ߇∑’ˬ« ¢Õ߉∑¬øóôπμ—«μàÕ‡π◊ËÕß®“°ª≈“¬ªï 2548 4) „π¿“§ à«π°“√≈ß∑ÿπ¢Õß√—∞«‘ “À°‘®·≈–°“√„™â®à“¬ ß∫ª√–¡“≥¢Õß√—∞‡ªìπ‰ªμ“¡·ºπß“π∑’Ë«“߉«â 5) Õ—μ√“°”≈—ß°“√º≈‘μ∑’ˇæ‘Ë¡¢÷Èπ ∂◊Õ«à“‡ªìπªí®®—¬∑’Ë¥’μàÕ π—°≈ß∑ÿπ∑’Ë®–¡’°“√≈ß∑ÿπ‰¥âÕ¬à“ßμàÕ‡π◊ËÕ

¢. ¿“«–∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ªï 2548-2549 1. ¿“æ√«¡∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ªï 2548 ∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬μ≈Õ¥ªï 2548 ‚¥¬√«¡¡’Õ—μ√“°“√ ‡μ‘∫‚μ¢Õ߇∫’Ȭª√–°—π¿—¬√—∫‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 10.8 ®“°√âÕ¬≈– 13.3 „πªï 2547 ´÷Ë߇ªìπÕ—μ√“°“√‡μ‘∫‚μ∑’Ë≈¥≈ß®“°ªï∑’˺à“π ¡“‡æ’¬ß‡≈Á°πâÕ¬ ∑—Èßπ’È¡“®“°°“√¢¬“¬μ—«¢Õß ‘π§â“ª√–‡¿∑ ÕÕ¡∑√—æ¬å√–¬– —Èπ ·≈–  ‘π§â“ª√–‡¿∑®à“¬§√—È߇¥’¬«  ”À√—∫ ªí ® ®— ¬ ‡ ’ Ë ¬ ß∑“߇»√…∞°‘ ® ∑’ Ë   ”§— ≠  à ß º≈°√–∑∫μà Õ ∏ÿ √ °‘ ® ª√–°—π™’«‘μ‰∑¬ ‰¥â·°à 1) √“§“πÈ”¡—π¡’·π«‚π⡇æ‘Ë¡ Ÿß¢÷ÈπÕ¬à“ßμàÕ‡π◊ËÕß  àߺ≈ μàÕ¿“§°“√º≈‘μμâÕߪ√—∫μâπ∑ÿπ√“§“ ‘π§â“‡æ‘Ë¡ Ÿß¢÷Èπμ“¡ √“§“πÈ”¡—π¥’‡´≈ ∑”„Àâ¿“§§√—«‡√◊Õπ¡’°“√„™â®à“¬™–≈Õμ—«≈ß Õ¬à“ß™—¥‡®π ‡πâπ´◊ÈÕ ‘π§â“∑’Ë¡’§«“¡®”‡ªìπμàÕ°“√¥”√ß™’æ ‡∑à“π—Èπ 2) °“√ª√— ∫ μ— « ‡æ‘ Ë ¡  Ÿ ß ¢÷ È π ¢ÕßÕ— μ √“¥Õ°‡∫’ È ¬ ∏𓧓√ æ“≥‘™¬åÕ¬à“ßμàÕ‡π◊ËÕß  àߺ≈„Àâª√–™“™π¡’°“√π”‡ß‘πΩ“° ª√–®”¡“°¢÷Èπ  —ß‡°μ‰¥â®“°Õ—μ√“‡ß‘πΩ“°∏𓧓√∑’ˇæ‘Ë¡¢÷Èπ 3) ªí ≠ À“§«“¡‰¡à ¡ ’ ‡  ∂’ ¬ √¿“æ∑“ß°“√‡¡◊ Õ ß ¡’ ° “√ ™ÿ¡πÿ¡ª√–∑â«ß√—∞∫“≈  àߺ≈°√–∑∫μàÕ§«“¡‡™◊ËÕ¡—Ëπ¢Õß≈Ÿ°§â“ ∑’ˇªìπ°≈ÿà¡π—°≈ß∑ÿπ∑”„Àâ¡’°“√™–≈Õμ—«„π°“√π”‡ß‘π≈ß∑ÿπ À√◊ÕÕÕ¡∑√—æ¬å√–¬– —Èπ

Factors to Support Growth 1) Government sector put in place energy saving policy to promote other forms of renewable energy which served to lessen the trade deficit and current account balance. 2) Government sector encouraged the promotion of exports and better management of imports. 3) Government sector heightened the public relations awareness and rebuilt confidence of both domestic and international tourists in choosing Thailand as their choice of tourism destination following natural catastrophe and recent unrest along the border of 3 Southern provinces. Since the end of 2005, the countryûs tourism continued to rebound. 4) Investment from the State Enterprise sector and fiscal spending from the Government were in line with the forecast. 5) Improved production capacity rate was considered a positive factor for investors to continue their investment.

II. Thai Life Insurance Business in 2005-2006 1. Overall Thai Life Insurance Business in 2005 Thai life insurance in 2005 saw overall premium growth rate up 10.8%, compared with 13.3% in 2004 -- a small decline of growth from previous year. Increasing sales of short-term savings products and single premium products contributed to decline of growth while other important economic risk factors that impacted Thai life insurance were as follows: 1) Potential higher oil price continued to impact production sector which had to adjust the cost of production higher to track the price of diesel. This action caused a sharp pullback in the household sector by purchasing only necessity goods. 2) Rising interest rate of commercial banks continued to attribute to great numbers of regular savings by the general public by noticing from higher savings rate among banks. 3) Political uncertainty with anti-government demonstration continued to erode customer confidence, especially groups of investors, attributing to the slowdown in short-term investment and savings. Annual Report 2006 The Thai Life Assurance Association

39


4) ¿— ¬ ∏√√¡™“μ‘ ∑ ’ Ë ∑ ”≈“¬√–∫∫‡»√…∞°‘ ® „πª√–‡∑» §«“¡‰¡à ß∫„π 3 ®—ßÀ«—¥™“¬·¥π¿“§„μâ ·≈–‚√§‰¢âÀ«—¥π° ∑’ˬ—ߧߡ’°“√√–∫“¥‡ªìπ√–¬–Ê ≈â«π àߺ≈°√–∑∫μàÕ§«“¡ ‡™◊ËÕ¡—Ëπ¢Õߪ√–™“™π·≈–π—°≈ß∑ÿπ∑—Èß ‘Èπ

4) Natural catastrophe disrupting domestic economy, unrest along the border of 3 Deep Southern provinces, and outbreak of bird flu had all caused severe impacts to general public and investor confidence.

1.1 º≈°“√¥”‡π‘πß“π¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ ªï 2548

1.1 Performance of Thai Life Insurance Business in 2005

1.1.1 ‡∫’Ȭª√–°—π¿—¬√—∫ ‚¥¬√«¡μ≈Õ¥∑—Èߪï 2548 ∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬¡’‡∫’Ȭ ª√–°—π¿—¬√—∫ ÿ∑∏‘ 163,101 ≈â“π∫“∑ Õ—μ√“°“√‡μ‘∫‚μ√âÕ¬ ≈– 10.8 ‡ªìπ‡∫’Ȭª√–°—π¿—¬√—∫ªï·√° 30,213 ≈â“π∫“∑ Õ—μ√“°“√‡μ‘∫‚μ√âÕ¬≈– 4.6 ‡æ‘Ë¡¢÷Èπ®“°√âÕ¬≈– -2.2 „πªï 2547 ‡∫’Ȭª√–°—π¿—¬√—∫ªïμàÕ‰ª 118,752 ≈â“π∫“∑ Õ—μ√“ §«“¡§ßÕ¬Ÿà√âÕ¬≈– 89 ·≈–‡∫’Ȭª√–°—π¿—¬®à“¬§√—È߇¥’¬« 14,135 ≈â“π∫“∑ Õ—μ√“°“√‡μ‘∫‚μ≈¥≈߇À≈◊Õ√âÕ¬≈– 0.6 · ¥ß„Àâ‡ÀÁπ∂÷ß°“√™–≈Õμ—«‡æ◊ËÕ°“√∫√‘‚¿§À√◊Õ°“√ÕÕ¡¢Õß ª√–™“™π

1.1.1 Premium Overall performance in 2005, Thai life insurance industry collected 163,101 million Baht in total premium, a growth of 10.8%. Out of total premium, 30,213 million Baht was first year premium with 4.6% growth, up from -2.2% in 2004, 118,752 million Baht was renewal premium with 89% persistency rate, and 14,135 million Baht was single premium, -0.6% growth. These numbers reflected a slowdown in consumption or savings from general public.

‡∫’Ȭª√–°—π¿—¬√—∫ ÿ∑∏‘ªï 2548

‡∫’Ȭª√–°—π¿—¬√—∫ªï·√° (First Year Premiums) ‡∫’Ȭª√–°—π¿—¬®à“¬§√—È߇¥’¬« (Single Premiums)

(Net Written Premiums as of 2005)

‡∫’Ȭª√–°—π¿—¬ªïμàÕ‰ª (Renewal Premiums) ‡∫’Ȭª√–°—π¿—¬√—∫√«¡ (Total Premiums)

(≈â“π∫“∑ / Million Baht)

140,000 120,000 100,000 80,000 60,000 40,000 20,000 0

 “¡—≠ (Ordinary)

Õÿμ “À°√√¡ °≈ÿà¡ (Industrial) (Group) ª√–‡¿∑ (Type)

Õÿ∫—쑇Àμÿ  à«π∫ÿ§§≈ (PA)

∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

 —¥ à«π¢Õ߇∫’Ȭª√–°—π¿—¬√—∫ ÿ∑∏‘ªï 2548 ‡∫’Ȭª√–°—π ¿—¬√—∫ªï·√°¡’ —¥ à«π√âÕ¬≈– 18.52 ‡∫’Ȭª√–°—π¿—¬√—∫ªïμàÕ‰ª¡’  —¥ à«π Ÿß ÿ¥∂÷ß√âÕ¬≈– 72.81 ·≈–‡∫’Ȭª√–°—π¿—¬√—∫®à“¬§√—Èß ‡¥’¬«√âÕ¬≈– 8.67 ´÷Ë߇ªìπ —¥ à«π∑’ËπâÕ¬¡“°‡¡◊ËÕ‡∑’¬∫°—∫‡∫’Ȭ ª√–°—π¿—¬√—∫ªï·√°·≈–‡∫’Ȭª√–°—π¿—¬√—∫ªïμàÕ‰ª

40

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬

Proportion of net written premium in 2005 was as followed. First year premium contributed 18.52% whereas the largest contribution came from renewal premium at 72.81% followed by single premium at 8.67%, the smallest contribution compared with first year premium and renewal premium.


—¥ à«π‡∫◊Ȭª√–°—π¿—¬√—∫ ÿ∑∏‘ªï 2548 (Ratio of Net Written Premiums in 2005) ‡∫’Ȭª√–°—π¿—¬√—∫ªï·√° (First Year Premiums)

18.52% ‡∫’Ȭª√–°—π¿—¬ªïμàÕ‰ª (Renewal Premiums)

‡∫’Ȭª√–°—π¿—¬®à“¬§√—È߇¥’¬« (Single Premiums)

72.81%

8.67%

∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

®“° ∂‘쑬âÕπÀ≈—ß√–À«à“ߪï 2539-2548 ®–‡ÀÁπ«à“„π 5 ªï·√°‡∫’Ȭª√–°—π¿—¬√—∫ ÿ∑∏‘¡’°“√∑√ßμ—«‰¡à‡§≈◊ËÕπ‰À«√ÿπ·√ß ·μàÀ≈—ß®“°ªï 2544 ‡∫’Ȭª√–°—π¿—¬√—∫ ÿ∑∏‘¡’°“√¥’¥μ—«¢÷Èπ Õ¬à“ß√ÿπ·√ß ‡Àμÿº≈ª√–°“√Àπ÷Ë߇π◊ËÕß¡“®“°°“√‡æ‘Ë¡§à“≈¥ À¬àÕπ¿“…’‡ß‘π‰¥â∫ÿ§§≈∏√√¡¥“¢Õ߇∫’Ȭª√–°—π™’«‘μ®“°‡¥‘¡ 10,000 ∫“∑ ‡ªìπ 50,000 ∫“∑ ·≈–¿“«–‡»√…∞°‘®∑’ˇμ‘∫‚μ ‡∫’Ȭª√–°—π¿—¬√—∫ ÿ∑∏‘∑’ˇæ‘Ë¡¢÷ÈπÕ¬à“ß™—¥‡®π§◊Õ‡∫’Ȭª√–°—π¿—¬ √—∫®à“¬§√—È߇¥’¬«∑’Ë¡’°“√¥’¥μ—«¢÷Èπ®“°√–¥—∫‡¥‘¡ · ¥ß„Àâ‡ÀÁπ «à“°√¡∏√√¡åª√–°—π™’«‘μ·∫∫™”√–‡∫’Ȭ§√—È߇¥’¬«‰¥â√—∫§«“¡ π‘¬¡¡“°¢÷Èπ ·≈–‡∫’Ȭª√–°—π¿—¬√—∫ªïμàÕ‰ª°Á¡’°“√‡æ‘Ë¡ Ÿß¢÷Èπ Õ¬à“ß™—¥‡®π‡™àπ‡¥’¬«°—π · ¥ß«à“ºŸâ‡Õ“ª√–°—π¿—¬¡’«‘𗬄𠰓√ÕÕ¡¡“°¢÷Èπ √«¡∑—ÈßÕ—μ√“º≈μÕ∫·∑π¬—ߧߠŸß°«à“Õ—μ√“ ¥Õ°‡∫’Ȭ‡ß‘πΩ“°∏𓧓√´÷Ë߬—ߧߠ“¡“√∂¥÷ߥŸ¥„®‰¥â¥’

Statistics of net written premium by Thai life insurance industry in comparison between 1996 to 2005 showed that during the first 5 year, the net written premium remained stable with no severe movement. However, net written premium moved upward severely after 2001. One of several reasons was the effect of increase in personal income tax deduction for insurance premium from 10,000 Baht to 50,000 Baht. Net written premium that witnessed a sharp rise was single premium which saw tremendous jump from the previous level. This showed that single premium had been gaining the popularity steadily while renewal premium experienced sharp rise as the insureds were more disciplined with their savings. Comparing with banksû deposit savings rate, the industryûs superior yield continued to draw attention.

≈â“π∫“∑ / Mill. Bht

‡∫’Ȭª√–°—π¿—¬√—∫ ÿ∑∏‘√–À«à“ߪï 2539-2548 (Net Written Premiums during the year 1996-2005) 180,000 160,000 140,000 120,000 100,000 80,000 60,000 40,000 20,000 0

2539 1996

2540 1997

2541 1998

2542 1999

2543 2000

2544 2001

2545 2002

2546 2003

2547 2004

2548 2005

ªï / Year ‡∫’Ȭª√–°—π¿—¬√—∫ªï·√° (First Year Premiums) ‡∫’Ȭª√–°—π¿—¬®à“¬§√—È߇¥’¬« (Single Premiums)

‡∫’Ȭª√–°—π¿—¬ªïμàÕ‰ª (Renewal Premiums) ‡∫’Ȭª√–°—π¿—¬√—∫√«¡ (Total Premiums)

∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

Annual Report 2006 The Thai Life Assurance Association

41


1.1.2 Õ—μ√“°“√‡μ‘∫‚μ Õ—μ√“°“√‡μ‘∫‚μ¢Õ߇∫’Ȭª√–°—π¿—¬√—∫ ÿ∑∏‘√–À«à“ߪï 2539-2548 „π™à«ßªï 2541-2542 ‡°‘¥«‘°ƒμ‘∑“߇»√…∞°‘®„π ª√–‡∑»Õ¬à“ß√ÿπ·√ß  àߺ≈°√–∑∫°“√¥”‡π‘π∏ÿ√°‘®À≈“¬ ª√–‡¿∑·≈– ∂“∫—π°“√‡ß‘π∑ÿ°¿“§ à«π º≈®“°°“√≈Õ¬μ—« ¢Õß§à“‡ß‘π∫“∑∑”„Àâ§à“‡ß‘π∫“∑ÕàÕπμ—«≈ßÕ¬à“ß√«¥‡√Á« À≈“¬ ∫√‘…—∑®πμâÕߪ‘®°“√≈߇π◊ËÕß®“°‰¡à “¡“√∂∑πμàÕ·√ß °¥¥—π®“°¿“«–‡»√…∞°‘®∑’ˬ˔·¬à„π¢≥–π—Èπ‰¥â ª√–™“™π «à“ßß“π‡ªìπ®”π«π¡“°‰¡à¡’°”≈—ß´◊ÈÕ ‘π§â“Õÿª‚¿§∫√‘‚¿§ μà“ßÊ ‰¥â ·μà¿“¬À≈—ß∑’Ë¡’°“√‡ª≈’ˬπ·ª≈ß√—∞∫“≈„π°“√ ∫√‘À“√ª√–‡∑»√–∫∫‡»√…∞°‘®„πª√–‡∑»‡√‘Ë¡¥’¢÷Èπμ“¡≈”¥—∫ ∏ÿ√°‘®ª√–°—π™’«‘μ®÷ß¡’Õ—μ√“°“√‡μ‘∫‚μ‡æ‘Ë¡ Ÿß¢÷Èπ·∫∫°â“« °√–‚¥¥ ∑—Èßπ’È∏ÿ√°‘®ª√–°—π™’«‘쉥â√—∫ªí®®—¬ π—∫ πÿπ®“°∑“ß ¿“§√—∞„π°“√ª√–°Õ∫∏ÿ√°‘®„πÀ≈“¬Ê ¥â“π‡ªìπÕ¬à“ߥ’ √«¡ ∑—Èß¡’π‚¬∫“¬ª≈Ÿ°Ωíß«‘π—¬°“√ÕÕ¡„Àâ°—∫ª√–™“™πÕ¬à“ß®√‘ß®—ß Õ¬à“߉√°Áμ“¡„π™à«ßÀ≈—ß∏ÿ√°‘®ª√–°—π™’«‘μ‡√‘Ë¡¡’Õ—μ√“°“√ ‡μ‘∫‚μ∑’Ë™–≈Õμ—«≈ß ‡π◊ËÕß®“°‰¥â√—∫º≈°√–∑∫®“°¿“«–∑“ß ‡»√…∞°‘®‚¥¬√«¡

1.1.2 Growth Rate The growth rate of net written premium from 1996 to 2005 came amid the countryûs financial crisis affecting all types of businesses and financial institutions. Floating ùBahtû currency caused the currency to drastically weaken. Many companies, in no position to withstand pressure from deteriorating economy at the time, were forced to shut down their businesses. A lot of people was out of job and had no purchasing power to acquire any consumption goods. Afterward, change to government started to turn around the domestic economy. The life insurance industry had leapfrogged in terms of growth rate as accommodating factors from the government supported several aspects of the business operation, including initiative to stimulate rigorous savings discipline among general public. At any rate, the life insurance industry began to see a declining growth over the latter period due to impact to an overall economy.

Õ—μ√“°“√‡μ‘∫‚μ¢Õ߇∫’Ȭª√–°—π¿—¬√—∫ ÿ∑∏‘ªï 2539-2548 (Growth of Net Written Premiums : 1996-2005) 30

24.91

25 20

22.35 20.74

16.13

15

% 10 5

15.95

13.25

10.83

10.8

4.84

0 -5 -10

-4.2

2539 2540 2541 2542 2543 2544 2545 2546 2547 2548 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 ªï / Year

∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

42

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬


1.1.3 ®”π«π°√¡∏√√¡åª√–°—π™’«μ‘ ·≈–‡ß‘π‡Õ“ ª√–°—π¿—¬ 1.1.3.1 ®”π«π°√¡∏√√¡åª√–°—π™’«‘μ∑’ˇæ‘Ë¡¢÷Èπ „πªï 2548 ∏ÿ√°‘®ª√–°—π™’«‘μ¡’®”π«π°√¡∏√√¡åª√–°—π ™’«‘μ∑’ˇæ‘Ë¡¢÷Èπ∑—Èß ‘Èπ 2,057,303 °√¡∏√√¡å ‚¥¬¡’®”π«π‡ß‘π ‡Õ“ª√–°—π¿—¬ 1,020,235 ≈â“π∫“∑ ´÷Ë߇ªìπ°√¡∏√√¡åª√–°—π ™’«‘μª√–‡¿∑ “¡—≠·∫∫μ≈Õ¥™’æ®”π«π 813,313 °√¡∏√√¡å ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ 137,679 ≈â“π∫“∑ ·∫∫ – ¡ ∑√—æ¬å®”π«π 909,604 °√¡∏√√¡å ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ 154,814 ≈â“π∫“∑ ·∫∫‡©æ“–°“≈®”π«π 153,019 ≈â“π ∫“∑ ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ 43,771 ≈â“π∫“∑  ”À√—∫°√¡∏√√¡åª√–°—π™’«‘μª√–‡¿∑Õÿμ “À°√√¡·≈– °≈ÿà¡ ¡’®”π«π°√¡∏√√¡åª√–°—π™’«‘μ 174,526 °√¡∏√√¡å ·≈– 5,652 °√¡∏√√¡å ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ 12,558 ≈â“π∫“∑ ·≈– 640,427 ≈â“π∫“∑ μ“¡≈”¥—∫ ª√–‡¿∑ (Type)  “¡—≠ (Ordinary) - μ≈Õ¥™’æ (Whole Life) -  – ¡∑√—æ¬å (Endowment) - ‡©æ“–°“≈ (Term) - Õ◊ËπÊ (Others) Õÿμ “À°√√¡ (Industrial) °≈ÿà¡ (Group) √«¡ (Total)

®”π«π°√¡∏√√¡å ª√–°—π¿—¬ (No. of Policies) 1,877,125 813,313 909,604 153,019 1,189 174,526 5,652 2,057,303

1.1.3 No. of Policy and Sum Assured 1.1.3.1 Rising No. of Policy In 2005, Thai life insurance industry had written a total of 2,057,303 policies for total sum assured of 1,020,235 million Baht, of which 813,313 policies written were Ordinary Whole Life product for sum assured of 137,679 million baht, 909,604 policies written were Endowment product for sum assured of 154,814 million Baht, and 153,019 policies written were Term product for sum assured of 43,771 million Baht.

174,526 policies and 5,652 policies were sold for Industry and Group products for sum assured of 12,558 million Baht and 640,427 million Baht respectively.

%  —¥ à«π (Ratio) 91.24

8.48 0.28 100.00

‡ß‘π‡Õ“ª√–°—π¿—¬ (Sum Insured) (≈â“π∫“∑:Mill. Bht.) 367,250 137,679 154,814 43,771 30,986 12,558 640,427 1,020,235

%  —¥ à«π (Ratio) 36.00

1.23 62.77 100.00

∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

 —¥ à«π®”π«π°√¡∏√√¡åª√–°—π¿—¬ª√–‡¿∑ “¡—≠ Ÿß ÿ¥ ∂÷ß√âÕ¬≈– 91.24 √Õß≈ß¡“‡ªìπ°√¡∏√√¡åª√–°—π¿—¬ª√–‡¿∑ Õÿ μ  “À°√√¡√â Õ ¬≈– 8.48 „π¢≥–∑’ Ë ° √¡∏√√¡å ª √–°— π ¿— ¬ ª√–‡¿∑°≈ÿà¡¡’ —¥ à«π°√¡∏√√¡åª√–°—π¿—¬μË” ÿ¥‡æ’¬ß√âÕ¬≈– 0.28 ·μà„π∑“ß°≈—∫°—π°√¡∏√√¡åª√–°—π¿—¬ª√–‡¿∑°≈ÿà¡¡’ ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ Ÿß ÿ¥∂÷ß√âÕ¬≈– 62.77 ‡π◊ËÕß®“°¡’ ®”π«π√“¬¡“°°«à“

Proportion of number of policies from Ordinary product was 91.24% followed by Industry product contributing 8.48%. Meanwhile, Group product contributed the least only 0.28%. On the other hand, Group product generated the highest sum insured at 62.77% due to numerous cases.

Annual Report 2006 The Thai Life Assurance Association

43


1.1.3.2 ®”π«π°√¡∏√√¡åª√–°—π™’«‘μ√“¬„À¡à „πªï 2548 ∏ÿ√°‘®ª√–°—π™’«‘μ¡’®”π«π°√¡∏√√¡åª√–°—π ™’ « ‘ μ √“¬„À¡à ∑ — È ß  ‘ È π 1,767,417 °√¡∏√√¡å ®”π«π‡ß‘ π ‡Õ“ ª√–°—π¿—¬ 770,251 ≈â“π∫“∑ ´÷Ë߇ªìπ°√¡∏√√¡åª√–°—π™’«‘μ ª√–‡¿∑ “¡—≠·∫∫μ≈Õ¥™’æ®”π«π 717,826 °√¡∏√√¡å ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ 122,878 ≈â“π∫“∑ ·∫∫ – ¡ ∑√—æ¬å®”π«π 856,765 °√¡∏√√¡å ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ 144,443 ≈â“π∫“∑ ·∫∫‡©æ“–°“≈®”π«π 15,940 ≈â“π ∫“∑ ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ 23,337 ≈â“π∫“∑  ”À√—∫°√¡∏√√¡åª√���°—π™’«‘μª√–‡¿∑Õÿμ “À°√√¡·≈– °≈ÿà¡ ¡’®”π«π°√¡∏√√¡åª√–°—π™’«‘μ 170,696 °√¡∏√√¡å ·≈– 5,001 °√¡∏√√¡å ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ 11,287 ≈â“π ∫“∑ ·≈– 467,320 ≈â“π∫“∑ μ“¡≈”¥—∫

1.1.3.2 No. of Policy (New Business) In 2005, Thai life insurance industry had written a total of 1,767,417 new policies for sum insured of 770,251 million Baht, of which 717,826 policies written were Ordinary Whole Life product for sum insured of 122,878 million Baht, 856,765 policies written were Endowment product for sum insured of 144,443 million Baht, and 15,940 policies written were Term product for sum insured of 23,337 million Baht. 170,696 policies and 5,001 policies were sold for Industrial and Group products for sum insured of 11,287 million Baht and 467,320 million Baht respectively.

®”π«π°√¡∏√√¡åª√–°—π™’«‘μªï 2539-2548 °√¡∏√√¡å / Policies

(No. of Policies : 1996-2005) 2,000,000 1,800,000 1,600,000 1,400,000 1,200,000 1,000,000 800,000 600,000 400,000 200,000 0

2539 2540 2541 2542 2543 2544 2545 2546 2547 2548 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 ªï / Year

∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬·≈–‡ß‘π‡Õ“ª√–°—π‡©≈’ˬμàÕ°√¡∏√√¡åªï 2539-2548 900,000 800,000 700,000 600,000 500,000 400,000 300,000 200,000 100,000 0

0.5 0.45 0.4 0.35 0.3 0.25 0.2 0.15 0.1 0.05 0

2539 2540 2541 2542 2543 2544 2545 2546 2547 2548 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

ªï / Year ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ (Sum Insured) ‡ß‘π‡Õ“ª√–°—π¿—¬‡©≈’ˬμàÕ°√¡∏√√¡å (Sum Insured per policy) ∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

44

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬

≈â“π∫“∑ / Mill. Bht

≈â“π∫“∑ / Mill. Bht

(Sum Insured and Sum Insured per Policy : 1996-2005)


®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬‡©≈’ˬμàÕ°√¡∏√√¡å„πªï 2548 ¡’ ®”π«π 440,000 ∫“∑μàÕ°√¡∏√√¡å ·≈–„π·μà≈–ªï®”π«π‡ß‘π ‡Õ“ª√–°—π¿—¬‡©≈’ˬμàÕ°√¡∏√√¡å¡’·π«‚πâ¡ Ÿß¢÷Èπ ∫àß™’È„Àâ‡ÀÁπ ∂÷ߺŸâ‡Õ“ª√–°—π¿—¬μâÕß°“√§«“¡§ÿ⡧√Õß¡“°¢÷Èπ

Average sum insured per policy in 2005 registered 440,000 Baht per policy and afterward, average sum insured per policy showed a higher potential in each upcoming year indicating the need for greater protection from insureds.

1.1.3.3 ®”π«π°√¡∏√√¡åª√–°—π™’«‘μ∑’Ë¡’º≈∫—ߧ—∫ „πªï 2548 ∏ÿ√°‘®ª√–°—π™’«‘μ¡’®”π«π°√¡∏√√¡åª√–°—π ™’«‘μ∑’Ë¡’º≈∫—ߧ—∫∑—Èß ‘Èπ 11,183,758 °√¡∏√√¡å ‚¥¬¡’®”π«π ‡ß‘π‡Õ“ª√–°—π¿—¬ 3,098,454 ≈â“π∫“∑ ‡ªìπ°√¡∏√√¡åª√–°—π ™’ « ‘ μ ª√–‡¿∑ “¡— ≠ ·∫∫μ≈Õ¥™’ æ ®”π«π 2,936,332 °√¡∏√√¡å ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ 514,611 ≈â“π∫“∑ ·∫∫ – ¡∑√—æ¬å®”π«π 5,294,701 °√¡∏√√¡å ®”π«π‡ß‘π‡Õ“ ª√–°— π ¿— ¬ 1,034,865 ≈â “ π∫“∑ ·∫∫‡©æ“–°“≈®”π«π 437,070 ≈â“π∫“∑ ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ 138,084 ≈â“π ∫“∑

1.1.3.3 No. of Policy In forced Thai life insurance industry had a total of 11,183,758 policies in force in 2005 representing 3,098,454 million Baht in sum insured, of which 2,936,332 policies in force were Ordinary Whole Life product representing 514,611 million Baht in sum insured, 5,294,701 policies in force were Endowment product representing 1,034,865 million Baht in sum insured, and 437,070 policies in force were Term product representing 138,084 million Baht in sum insured.

 ”À√—∫°√¡∏√√¡åª√–°—π™’«‘μª√–‡¿∑Õÿμ “À°√√¡·≈– °≈ÿà¡ ¡’®”π«π°√¡∏√√¡åª√–°—π™’«‘μ 2,498,157 °√¡∏√√¡å ·≈– 14,886 °√¡∏√√¡å ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ 129,756 ≈â“π∫“∑ ·≈– 1,279,763 ≈â“π∫“∑ μ“¡≈”¥—∫

In the Industrial and Group product, the total number of policies in force was 2,498,157 for Industrial and 14,886 for Group while the sum insured were 129,756 million Baht for Industrial and 1,279,763 million Baht for Group.

°√¡∏√√¡åª√–°—π™’«‘μ∑’Ë¡’º≈∫—ߧ—∫‡¡◊ËÕ ‘Èπªï 2548 10,000,000 9,000,000 8,000,000 7,000,000 6,000,000 5,000,000 4,000,000 3,000,000 2,000,000 1,000,000 0

1,800,000 1,600,000 1,400,000 1,200,000 1,000,000 800,000 600,000 400,000 200,000 0

 “¡—≠ (Ordinary)

Õÿμ “À°√√¡ (Industrial)

≈â“π∫“∑ / Mill. Bht

°√¡∏√√¡å / Policy

Policies in Force at the end of year 2005

°≈ÿà¡ (Group)

ª√–‡¿∑ / Type ®”π«π°√¡∏√√¡å †(No. of Policies)

®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ †(Sum Insured)

∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

®“° ∂‘μ‘¢Õß®”π«π°√¡∏√√¡åª√–°—π™’«‘μ∑’Ë¡’º≈∫—ߧ—∫ ·≈–Õ—μ√“ à«π¢ÕߺŸâ∂◊Õ°√¡∏√√¡åª√–°—π™’«‘μ„π·μà≈–ªï∑’ˇæ‘Ë¡ ¢÷Èπ · ¥ß„Àâ‡ÀÁπ∂÷ߪ√–™“™π„À⧫“¡ π„®„π°“√ÕÕ¡°—∫ °“√ª√–°— π ™’ « ‘ μ ¡“°¢÷ È π ‚¥¬„πªï 2548 ¡’ ® ”π«πºŸ â ∂ ◊ Õ °√¡∏√√¡åª√–°—π™’«‘μ‡æ‘Ë¡¢÷Èπ‡ªìπ√âÕ¬≈– 17.92 ®“°√âÕ¬≈– 16.76 „πªï 2547

The statistics of increasing number of policies in force and proportion of policyholders during 1996-2005 showed that the general public was paying more attention to savings through insurance. The percentage of policyholders had climbed to 17.92% in 2005 from 16.76% in 2004.

Annual Report 2006 The Thai Life Assurance Association

45


®”π«π°√¡∏√√¡åª√–°—π™’«‘μ∑’Ë¡’º≈∫—ߧ—∫‡¡◊ËÕ ‘Èπªï·≈–®”π«πºŸâ∂◊Õ°√¡∏√√¡åª√–°—π™’«‘μ 2539-2548 Policies in force and Penetration rate : 1996-2005

20 18 16 14 12 10 8 6 4 2 0

°√¡∏√√¡å / Policy

12,000,000 10,000,000 8,000,000 6,000,000 4,000,000 2,000,000 0

%

2539 2540 2541 2542 2543 2544 2545 2546 2547 2548 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

ªï / Year ®”π«π°√¡∏√√¡åª√–°—π™’«‘μ∑’Ë¡’º≈∫—ߧ—∫ (Policies in force) ®”π«πºŸâ∂◊Õ°√¡∏√√¡åª√–°—π™’«‘μ (Penetration rate) ∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

1.1.3.4 ®”π«π‡ß‘π∑’Ë®à“¬μ“¡°√¡∏√√¡åª√–°—π™’«‘μ „πªï 2548 ∏ÿ√°‘®ª√–°—π™’«‘μ¡’®”π«π‡ß‘π∑’Ë®à“¬μ“¡ °√¡∏√√¡åª√–°—π™’«‘μ√«¡∑—Èß ‘Èπ 56,999 ≈â“π∫“∑  ”À√—∫‡ß‘π ®à“¬ 3 Õ—π¥—∫·√° ‰¥â·°à ‡ß‘π§√∫°”Àπ¥ 25,208 ≈â“π ∫“∑ §‘¥‡ªìπ —¥ à«π√âÕ¬≈– 44.2 ‡ß‘π‡«π§◊π 8,952 ≈â“π ∫“∑  —¥ à«π√âÕ¬≈– 15.7 ·≈–‡ß‘π¡√≥°√√¡ 7,142 ≈â“π ∫“∑  —¥ à«π√âÕ¬≈– 12.5

1.1.3.4 Policy Benefit Payment Total amount of policy benefit payment for life insurance industry was 56,999 million Baht in 2005. The top 3 benefit payments were maturity with 25,208 million Baht, 44.2% of total payment, surrender with 8,952 million Baht, 15.7% of total payment, and death claim with 7,142 million Baht, 12.5% of total payment.

®”π«π‡ß‘π∑’Ë®à“¬μ“¡°√¡∏√√¡åª√–°—π™’«‘μªï 2548 Total

(Benefit Payments Incurred in 20005) 60,000

Others

Health

Accient & Disablility

10,000

Annuity

20,000

Surrender

30,000

Death

40,000

Maturity

50,000

0

∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

 —¥ à«π‡ß‘π∑’Ë®à“¬μ“¡°√¡∏√√¡åªï 2548

(Ratio of Benfit Payment Incurred in 2005)

Õÿ∫—쑇Àμÿ·≈– ‡ß‘π®à“¬‡æ◊ËÕ°“√ ∑ÿææ≈¿“æ ª√–°—π ÿ¢¿“æ Accident & Health Benefit Disablity 12.26%

Õ◊ËπÊ Others

§√∫°”Àπ¥ Maturity

¡√≥°√√¡ Death

‡«π§◊π ‡ß‘π‰¥âª√–®” Surrender Annuity

7.76%

47.07%

13.54%

16.72% 0.02%

2.63%

∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

46

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬


1.1.3.5 §à“„™â®à“¬„π°“√¥”‡π‘π∏ÿ√°‘®ª√–°—π™’«‘μ „πªï 2548 ∏ÿ√°‘®ª√–°—π™’«‘μ¡’§à“„™â®à“¬„π°“√¥”‡π‘π ∏ÿ√°‘®ª√–°—π™’«‘μ√«¡∑—Èß ‘Èπ 43,896 ≈â“π∫“∑ §à“„™â®à“¬  Ÿß ÿ¥ 3 Õ—π¥—∫·√° ‰¥â·°à §à“®â“ß·≈–§à“∫”‡ÀπÁ® 27,993 ≈â“π∫“∑ §à“„™â®à“¬„π°“√¥”‡π‘πß“π 13,090 ≈â“π∫“∑ ·≈–§à“„™â®à“¬„π°“√√—∫ª√–°—π¿—¬ 2,766 ≈â“π∫“∑ §‘¥‡ªìπ  —¥ à«π√âÕ¬≈– 63.8 29.8 ·≈– 6.3 μ“¡≈”¥—∫

1.1.3.5 Operating Expenses in Life Insurance industry In 2005, operating expenses in the life insurance industry totaled 43,896 million Baht. The top 3 expenses were commission and brokerages with 27,993 million Baht, operating expenses for 13,090 million Baht, and underwriting expenses for 2,766 million Baht, attributing to 63.8%, 29.8% and 6.3% of total expenses respectively.

§à“„™â®à“¬„π°“√¥”‡π‘πß“πªï 2548 (Operating Expenses as of 2006) 43,896

Total Others Expenses

47

Operating Expenses

13,090

Underwritting Expenses

2,766

Commission & Brokerages

27,993 0

5,000 10,000 15,000 20.000 25,000 30,000 35,000 40,000 45,000 50,000

≈â“π∫“∑ / Mill. Bht ∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

 —¥ à«π§à“„™â®à“¬„π°“√¥”‡π‘πß“πªï 2548 (Ratio of Expenses as of 2005)

Others Expenses

0.11%

Operating Expenses

29.82%

Commission & Brokerages

63.77%

Underwriting Expenses

6.30%

∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

1.1.3.6  ‘π∑√—æ¬å  ‘π∑√—æ¬å√«¡¢Õß∏ÿ√°‘®ª√–°—π™’«‘μªï 2548 ¡’®”π«π∑—Èß  ‘Èπ 620,418 ≈â“π∫“∑ ‡æ‘Ë¡ Ÿß¢÷Èπ®“°ªï 2547 ∂÷ß√âÕ¬≈– 17.82 ‡ªìπÀ≈—°∑√—æ¬å√—∞∫“≈·≈–√—∞«‘ “À°‘® 354,663 ≈â“π ∫“∑ ¡’ —¥ à«π Ÿß ÿ¥„π®”π«π ‘π∑√—æ¬å∑—ÈßÀ¡¥∂÷ß√âÕ¬≈– 57.17 √Õß≈ß¡“‡ªìπÀ≈—°∑√—æ¬å‡Õ°™π 148,524 ≈â“π∫“∑  —¥ à«π√âÕ¬≈– 23.94 Õ—π¥—∫ “¡‡ªìπ‡ß‘π„Àâ°Ÿâ¬◊¡ 52,051 ≈â“π∫“∑  —¥ à«π√âÕ¬≈– 8.39

1.1.3.6 Assets Total assets of life insurance industry in 2005 was 620,418 million Baht, an increase of 17.82% from 2004. Of the overall total assets, the largest in terms of percentages was government and state enterprise securities amounted to 354,663 million Baht, or 57.17%. The second largest in terms of percentages was private securities amounted to 148,524 million Baht, or 23.94%. The third largest in terms of percentages was loans amounted to 52,051 million Baht, or 8.39%. Annual Report 2006 The Thai Life Assurance Association

47


‘π∑√—æ¬å√«¡¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ√–À«à“ߪï 2539-2548 (Total Assets of Life Insurance Industry in 1996-2005) 2548/2005 2547/2004 2546/2003 2545/2002 2544/2001 2543/2000 2542/1999 2541/1998 2540/1997 2539/1996

620,418 526,573 450,355 351,709 289,941 243,052 216,520 184,577 162,955 Total Assets 145,900

≈â“π∫“∑ / Mill. Bht

∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

ß∫¥ÿ≈∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ªï 2548 Assets Side of Balance Sheet for 2005  ‘π∑√—æ¬å (Assets) 1. 2. 3. 4. 5. 6. 7.

8. 9. 10. 11. 12. 13.

À≈—°∑√—æ¬å√—∞∫“≈·≈–√—∞«‘ “À°‘® (Government Security) À≈—°∑√—æ¬å‡Õ°™π (Private Security) À≈—°∑√—æ¬åμà“ߪ√–‡∑» (Foreige Security) ‡ß‘π„Àâ°Ÿâ¬◊¡ (Loans) ‡ß‘π≈ß∑ÿπÕ◊Ëπ (Other Investment) ‡ß‘π ¥·≈–‡ß‘πΩ“° ∂“∫—π°“√‡ß‘π (Cash and Financial Institution Deposits) Õ —ßÀ“√‘¡∑√—æ¬å·≈– ‘π∑√—æ¬å¥”‡π‘πß“π (Immovable Assets and Operating Assets) - ∑’Ë∑”°“√ (Building) - Õ —ßÀ“√‘¡∑√—æ¬åÕ◊Ëπ (Other Immovable Assets) -  ‘π∑√—æ¬å¥”‡π‘πß“π (Operating Assets) ‡ß‘π«“߉«â®“°°“√ª√–°—π¿—¬μàÕ (Amount Deposit on Reinsurance Treaties) ‡ß‘π§â“ß√—∫‡°’ˬ«°—∫°“√ª√–°—π¿—¬μàÕ (Due from Reinsurers) ‡∫’Ȭª√–°—π¿—¬§â“ß√—∫ (Uncollected Premiums) √“¬‰¥â®“°°“√≈ß∑ÿπ§â“ß√—∫ (Accrued Income)  ‘π∑√—æ¬åÕ◊Ëπ (Other Assets) ∫—≠™’‡¥‘π –æ—¥ ”π—°ß“π„À≠à (Head Office Account)* √«¡ ‘π∑√—æ¬å Total Assets

À¡“¬‡Àμÿ : * „™â ”À√—∫ “¢“¢Õß∫√‘…—∑μà“ߪ√–‡∑» (use for foreige brance) ∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

48

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬

®”π«π‡ß‘π (Amount) ≈â“π∫“∑ (Mill. Bht.)

%  —¥ à«π (Ratio)

354,663 148,524 15,333 52,051 1,458 18,011

57.17 23.94 2.47 8.39 0.23 2.90

11,437

1.84

7,828 1,958 1,651 1

0.00

1,052

0.17

8,034 8,579 1,276 -

1.29 1.38 0.21 -

620,418

100.00


1.1.3.7 Àπ’È ‘π·≈–‡ß‘π°Õß∑ÿπ Àπ’È ‘π·≈–‡ß‘π°Õß∑ÿπ¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬„πªï 2548 ¡’®”π«π∑—Èß ‘Èπ 620,418 ≈â“π∫“∑ ‡ªìπÀπ’È ‘π√«¡ 538,184 ≈â“π∫“∑ ‡ªìπ‡ß‘π°Õß∑ÿπ√«¡ 82,235 ≈â“π∫“∑

1.1.3.7 Liabilities and Capital Liabilities and capital of life insurance industry in 2005 was 620,418 million Baht, included 538,184 million Baht in total liabilities and 82,235 million Baht in total capital.

„π à«π¢ÕßÀπ’È ‘π‡ªìπ‡ß‘π ”√Õߪ√–°—π¿—¬ 490,140 ≈â“π∫“∑ ¡’ —¥ à«π Ÿß ÿ¥∂÷ß√âÕ¬≈– 91.07 √Õß≈ß¡“‡ªìπÀπ’È  ‘πÕ◊Ëπμ“¡°√¡∏√√¡åª√–°—π¿—¬ 17,373 ≈â“π∫“∑  —¥ à«π √âÕ¬≈– 3.23

In the total liabilities, life policy reserves accounted for 490,140 million Baht, contributing the largest percentage with 91.07%. The second largest percentage was due to insureds which accounted for 17,373 million Baht, contributing only 3.23%.

Àπ’È ‘π·≈–‡ß‘π°Õß∑ÿπ ®”π«π‡ß‘π (Amount) (Liabilities and Capital Funds) ≈â“π∫“∑ (Mill. Bht.) 1. ‡ß‘π ”√Õߪ√–°—π¿—¬ (Life Policy Reserves) 490,140 2. ‡ß‘π∑’ËμâÕß®à“¬μ“¡°√¡∏√√¡åª√–°—π¿—¬§â“ß®à“¬ (Unpaid Losses) 6,107 3. Àπ’È ‘πÕ◊Ëπμ“¡°√¡∏√√¡åª√–°—π¿—¬ (Due to Insureds) 17,373 4. ‡ß‘πª√–°—π∑’Ë∂◊Õ‰«â®“°°“√ª√–°—π¿—¬μàÕ 81 (Amount Withheld on Reinsurance Treaties) 5. ‡ß‘π§â“ß®à“¬‡°’ˬ«°—∫°“√ª√–°—π¿—¬μàÕ (Due to Reinsurers) 648 6. ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘π 37 (Loans and Bank Overdraft) 7. §à“„™â®à“¬§â“ß®à“¬ (Accrued Expenses) 7,258 8. Àπ’È ‘πÕ◊Ëπ (Other Liabilities) 16,126 9. ∫—≠™’‡¥‘π –æ—¥ ”π—°ß“π„À≠à (Head Office Account)* 414 √«¡Àπ’È ‘π (Total Liabilities) 538,184 10. ‡ß‘π°Õß∑ÿπ (Capital Funds) ∑ÿπ™”√–·≈â« (®¥∑–‡∫’¬π.............................∫“∑) 21,809 Paid-up Capital (Registered..........................Baht) ‡ß‘π≈ß∑ÿπ®“° ”π—°ß“π„À≠à (Investment from Headquarter) ( “¢“¢Õß∫√‘…—∑μà“ߪ√–‡∑»)* (Foreign Companyûs Branch)* „∫ ”§—≠· ¥ß ‘∑∏‘∑’Ë®–´◊ÈÕÀÿâπ (Warrant)  à«π‡°‘π (μË”°«à“) ∑ÿπ (Surplus (Deficit)) 10,915 °”‰√ (¢“¥∑ÿπ)  – ¡ (Retain Earnings (Losses)) - ®—¥ √√·≈â« (Appropriated) 272 - ¬—߉¡à‰¥â®—¥ √√ (Unappropriated) 49,239 √«¡‡ß‘π°Õß∑ÿπ (Total Capital Funds) 82,235 √«¡Àπ’È ‘π·≈–‡ß‘π°Õß∑ÿπ 620,418 (Total Liabilities and Capital Funds)

%  —¥ à«π (Ratio) 91.07 1.13 3.23 0.01 0.12 0.01 1.35 3.00 0.08 100.00 26.52 -

13.27 0.33 59.88 100.00

À¡“¬‡Àμÿ : * „™â ”À√—∫ “¢“¢Õß∫√‘…—∑μà“ߪ√–‡∑» (use for foreige brance) ∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association Annual Report 2006 The Thai Life Assurance Association

49


1.1.3.8 °“√≈ß∑ÿπ¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ (°)  ‘π∑√—æ¬å≈ß∑ÿπ „πªï 2548 ∏ÿ√°‘®ª√–°—π™’«‘μ¡’ ‘π∑√—æ¬å≈ß∑ÿπ∑—Èß ‘Èπ 583,782 ≈â“π∫“∑ °“√≈ß∑ÿπ Ÿß ÿ¥ 3 Õ—π¥—∫·√° ‰¥â·°à À≈— ° ∑√— æ ¬å √ — ∞ ∫“≈·≈–√— ∞ «‘   “À°‘ ® 354,663 ≈â “ π∫“∑  —¥ à«π√âÕ¬≈– 60.8  “‡Àμÿ∑’ˇªìπ°“√≈ß∑ÿπ Ÿß ÿ¥‡π◊ËÕß®“°¡’ §«“¡‡ ’ˬßπâÕ¬·≈–„Àâº≈μÕ∫·∑π„πÕ—μ√“∑’Ë·πàπÕπ √Õß≈ß ¡“‡ªìπ°“√≈ß∑ÿπ„πÀ≈—°∑√—æ¬å‡Õ°™π 148,524 ≈â“π∫“∑  —¥ à«π√âÕ¬≈– 25.4 ·≈–‡ß‘π„Àâ°Ÿâ¬◊¡·≈–‡ß‘π≈ß∑ÿπÕ◊ËπÊ 53,508 ≈â“π∫“∑  —¥ à«π√âÕ¬≈– 9.2

1.1.3.8 Investment of Life Insurance Industry (i) Investment Assets In 2005, life insurance industry had total invested assets of 583,782 million Baht. Among the top 3 investments, the largest investment was government and state enterprise securities amounted to 354,663 million Baht, or 60.8%, due to the least risk appetite with stable rate of return. The second largest investment was private securities amounted to 148,524 million Baht, or 25.4%, contributing the highest rate of return. The third largest investment was loans and other investments amounted to 53,508 million Baht, or 9.2%.

®”π«πå ‘π∑√—æ¬å·≈– ‘π∑√—æ¬å≈ß∑ÿπªï 2539-2548 (Assets & Investment Assets in 1996-2005) 700,000

 ‘π∑√—æ¬å Assets  ‘π∑√—æ¬å≈ß∑ÿπ Investment Asset

600,000 500,000 400,000 300,000 200,000 100,000 0

2539 2540 2541 2542 2543 2544 2545 2546 2547 2548 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

ªï / Year ∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

Õ—μ√“ à«π°“√≈ß∑ÿπ (Ratio of Investment)

%

96 94 92 90 88 86 84 82

2539 2540 2541 2542 2543 2544 2545 2546 2547 2548 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

50

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬


Õ—μ√“ à«π°“√≈ß∑ÿπ¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ„π·μà≈–ªï¡’ ·π«‚πâ¡ Ÿß¢÷ÈπÕ¬à“ßμàÕ‡π◊ËÕß ‡ªìπ‰ªμ“¡ —¥ à«π¢Õß®”π«π  ‘π∑√—æ¬å∑’ˇæ‘Ë¡¢÷Èπ

Investment ratio of life insurance investment in each year continued on an upward trend in relations to the proportion of incremental assets.

°“√≈ß∑ÿπ¢Õß∏ÿ√°‘®ª√–°—π™’«‘μåªï 2548 (investment of Life Insurance Industry as of 2005) ≈â“π∫“∑ (Mill. Bht)

Other Loans & Investments

53,508 9.17%

Deposit at Financial Institutions with Interest

11,753 2.01%

Government Security

354,663 60.75%

Private Security Foreige Security

148,524 25.44%

15,333 2.63%

∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

„πªï 2548 ¿“§√—∞¡’¡“μ√°“√ π—∫ πÿπ°“√≈ß∑ÿπ¢Õß ∏ÿ √ °‘ ® ª√–°— π ™’ « ‘ μ ‚¥¬°“√Õπÿ ≠ “μ„Àâ ∫ √‘ … — ∑ ª√–°— π ™’ « ‘ μ  “¡“√∂≈ß∑ÿπ„πμà“ߪ√–‡∑»‰¥â ®÷ß∑”„Àâ¡’®”π«π‡ß‘π∑’Ë≈ß∑ÿπ „πÀ≈—°∑√—æ¬åμà“ߪ√–‡∑» 15,333 ≈â“π∫“∑ §‘¥‡ªìπ —¥ à«π ¢Õß ‘π∑√—æ¬å≈ß∑ÿπ∑—ÈßÀ¡¥√âÕ¬≈– 2.63 ∂◊Õ«à“¬—ß¡’®”π«π∑’Ë ‰¡à Ÿß¡“° ‡π◊ËÕß®“°¬—ß¡’ªí®®—¬∑’ˇªìπ¢âÕ®”°—¥À≈“¬ª√–°“√ (¢) Õ—μ√“º≈μÕ∫·∑π®“°°“√≈ß∑ÿπ ®“° ∂‘ μ ‘ Õ — μ √“º≈μÕ∫·∑π®“°°“√≈ß∑ÿ π ¢Õß∏ÿ √ °‘ ® ª√–°—π™’«‘μ‰∑¬„π·μà≈–ªï®–æ∫«à“Õ¬Ÿà„π‡°≥±å∑’Ë¥’ ∂÷ß·¡â«à“ „π√–¬–À≈—ßÕ—μ√“º≈μÕ∫·∑π¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ®–¡’·π« ‚πâ¡≈¥≈ß ‚¥¬ªï 2548 ¡’Õ—μ√“º≈μÕ∫·∑π√âÕ¬≈– 5.91  “‡Àμÿ∑’ËÕ—μ√“º≈μÕ∫·∑π„π°“√≈ß∑ÿπ¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ ‰∑¬¡’·π«‚πâ¡≈¥≈߇π◊ËÕß¡“®“°‰¥â√—∫º≈°√–∑∫®“°ªí®®—¬≈∫ ∑“߇»√…∞°‘®‚¥¬√«¡ ¥—ßπ—Èπ®÷ß®”‡ªìπ∑’Ë¿“§∏ÿ√°‘®μâÕß¢Õ ¢¬“¬™àÕß∑“ß°“√≈ß∑ÿπ®“°¿“§√—∞‡æ‘Ë¡¡“°¢÷Èπ ‡æ◊ËÕ„À≥â Õ—μ√“º≈μÕ∫·∑π∑’ˇ撬ßæÕμàÕ°“√π”¡“§◊π„À⺟â‡Õ“ª√–°—π ¿—¬μ“¡∑’ˉ¥â·®âß„À⺟â‡Õ“ª√–°—π¿—¬√—∫∑√“∫

In 2005, the government had put in place investment promotion measure for life insurance Industry by allowed life insurers to invest aboard. The investment in foreign securities valued 15,333 million Baht, 2.63% of total invested asset. Low investment value could be attributing to several restrictive factors including foreign risk factors which were higher than domestic ones. (ii) Investment Yield From the statistics, the investment yield of life insurance industry in each year was considering acceptable even though the rate of return of life insurance industry trended down in the recent year. In 2005, the yield rate was 5.91% characterized by the effect from overall negative economic factors. Thus, it was essential that the businesses were allowed to invest in other investment sources from the government in search of adequate return to reimburse guarantee to insureds.

Annual Report 2006 The Thai Life Assurance Association

51


Õ—μ√“º≈μÕ∫·∑π®“°°“√≈ß∑ÿπ√–À«à“ߪï 2539-2548 (Yield Rate of Life Insurance Business in 1998-2005) 10 8

%

6 4 2 0

2539 2540 2541 2542 2543 2544 2545 2546 2547 2548 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

ªï / Year ∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

1.2 μ≈“¥∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ªï 2548

52

1.2 Thai Life Insurance Market in 2005

1) º≈‘μ¿—≥±å º≈‘μ¿—≥±å¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ∑’ˉ¥â√—∫§«“¡π‘¬¡¡“° ∑’Ë ÿ¥ ®–‡ÀÁπ‰¥â®“°®”π«π°√¡∏√√¡åª√–°—π™’«‘μ√“¬„À¡à·∫∫  – ¡∑√—æ¬å∑’Ë¡’®”π«π Ÿß ÿ¥ ¡“°°«à“°√¡∏√√¡åª√–°—π™’«‘μ ·∫∫Õ◊ËπÊ √Õß≈ß¡“‡ªìπ°√¡∏√√¡åª√–°—π™’«‘μ·∫∫μ≈Õ¥™’æ ´÷ Ë ß · ¥ß„Àâ ‡ ÀÁ π ∂÷ ß §«“¡μâ Õ ß°“√„π°“√ÕÕ¡∑√— æ ¬å ¢ Õß ª√–™“™π¡’¡“°∑’Ë ÿ¥ ·≈–§«“¡μâÕß°“√§«“¡§ÿ⡧√Õ߇ªìπ  ‘ Ë ß ∑’ Ë √ Õß≈ß¡“ ¥— ß π— È π ®ÿ ¥ ‡¥à π ¢Õß°“√ª√–°— π ™’ « ‘ μ °Á § ◊ Õ º≈‘μ¿—≥±å∑’Ë„Àâ∑—Èß°“√ÕÕ¡·≈–§«“¡§ÿ⡧√Õß„π¢≥–‡¥’¬«°—π

1) Products From all new business, the most popular product in life insurance industry was endowment far more than other type of policies. Whole life policy came in second characterized primarily by the need of savings among the general public as well as need for protection as a secondary concern. Hence, the strong point of life insurance is the product that offers both savings and protection.

πÕ°®“°º≈‘μ¿—≥±åæ◊Èπ∞“π¢Õß°“√ª√–°—π™’«‘μ·≈â« „π ªï 2548 ‰¥â¡’°“√ÕÕ°º≈‘μ¿—≥±å„À¡à∑’ˇªìπº≈‘μ¿—≥±åª√–°—π ™’«‘짫∫°“√≈ß∑ÿπ‡æ◊ËÕ‡æ‘Ë¡∑“߇≈◊Õ° ”À√—∫ª√–™“™π ‚¥¬ ‡πâ π °≈ÿ à ¡ ‡ªÑ “ À¡“¬‰ª∑’ Ë π — ° ≈ß∑ÿ π º≈‘ μ ¿— ≥ ±å ¥ — ß °≈à “ «§◊ Õ °√¡∏√√¡åª√–°—π™’«‘μ Universal Life ´÷Ëß∂◊Õ«à“‡ªìπº≈‘μ¿—≥±å∑’Ë πà“ π„®‡ªìπÕ¬à“߬‘Ëß Õ¬à“߉√°Áμ“¡ º≈‘μ¿—≥±å¥—ß°≈à“«¬—ß μâÕßÕ“»—¬°“√ª√–™“ —¡æ—π∏å·≈–°“√„Àâ¢âÕ¡Ÿ≈Õ¬à“ß∂Ÿ°μâÕß ®“°ºŸâ∑’Ë∑”Àπâ“∑’ˇªìπ∑’˪√÷°…“∑“ß°“√‡ß‘πμàÕ‰ª

Aside from offering the basic product, we see a new product that bundle life insurance and investment together featured as alternatives for the general public, especially the investor group. Such product is known as ùUniversal Lifeû which considers quite an interesting product. At any rate, such product needs further publicity and proper product guidance from the financial advisor officers.

2) °“√∫√‘°“√·≈–°“√ª√–™“ —¡æ—π∏å °“√∫√‘°“√∂◊Õ«à“‡ªìπÀ—«„®∑’Ë ”§—≠¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ ∑ÿ°∫√‘…—∑‰¥â¡’°“√ª√—∫ª√ÿß«‘∏’°“√∫√‘°“√¢Õß∫√‘…—∑„Àâ¡’§«“¡ ‚¥¥‡¥àπ¡“°∑’Ë ÿ¥ ‚¥¬æ¬“¡¬“¡ √â“߇հ≈—°…≥å‡©æ“–μ—« ‡æ◊ Ë Õ ‡ªì π  ‘ Ë ß ¥÷ ß ¥Ÿ ¥ „®„Àâ ª √–™“™πÀ— π ¡“´◊ È Õ º≈‘ μ ¿— ≥ ±å ¢ Õß μπ‡Õß Õ“∑‘‡™àπ °“√®—¥μ—Èß»Ÿπ¬å∫√‘°“√≈Ÿ°§â“ À√◊Õ Call Center °“√„Àâ∫√‘°“√≈Ÿ°§â“¥â«¬°“√‡§≈◊ËÕπ¬â“¬ºŸâªÉ«¬©ÿ°‡©‘𠇪ìπμâπ

2) Customer Services and Publicity Service is the most critical element in the life insurance business. Every life insurer has improved their own customer services experience to make themselves stand out from the rest. The attempts by life insurers to create unique characteristics to entice the general public into buying their products include establishing customer services center or call center, and in case of critical transport.

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬


”À√—∫¥â“π°“√ª√–™“ —¡æ—π∏å ∑ÿ°∫√‘…—∑¡’°“√·¢àߢ—π °— π Õ¬à “ ߇μÁ ¡ ∑’ Ë ·μà ∫ √‘ … — ∑ ¢π“¥„À≠à ® –¡’ ‚ Õ°“ „π°“√∑” ª√–™“ —¡æ—π∏å¡“°°«à“ ¥â«¬°“√ª√–™“ —¡æ—π∏å§√Õ∫§≈ÿ¡ ·≈–ºà“π ◊ËÕ∑ÿ°·¢πß Õ“∑‘‡™àπ °“√‚¶…≥“∑“ß‚∑√∑—»πå «‘∑¬ÿ Àπ—ß ◊Õæ‘¡æå ‡ªìπμâπ ´÷Ëß¡’°“√„™âμâπ∑ÿπ„π°“√∑” ª√–™“ —¡æ—π∏å§àÕπ¢â“ß Ÿß ·μà°Á àߺ≈μàÕ°“√‡μ‘∫‚μ¢Õß∏ÿ√°‘® ‡ªìπÕ¬à“ߥ’ 3) ™àÕß∑“ß°“√®”Àπà“¬ μ—«·∑πª√–°—π™’«‘μ °“√®”Àπà“¬ºà“πμ—«·∑πª√–°—π™’«‘μ ∂◊Õ«à“‡ªìπ™àÕß ∑“ß°“√®”Àπà“¬À≈—°¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ ·≈–‡ªìπ™àÕß∑“ß ·√°∑’Ë “¡“√∂‡¢â“∂÷ߪ√–™“™πæ√âÕ¡„Àâ√“¬≈–‡Õ’¬¥‰¥â¥’∑’Ë ÿ¥ ¥—ßπ—Èπ®÷ß∂◊Õ«à“™àÕß∑“ßπ’È ”§—≠‡ªìπÕ¬à“߬‘Ëß ∑’Ë®– √â“ߧ«“¡√Ÿâ §«“¡‡¢â“„®‡°’ˬ«°—∫º≈‘μ¿—≥±å·≈–‡ß◊ËÕπ‰¢μà“ßÊ„Àâ™—¥‡®π‰¥â „π∑—π∑’ ¥—ßπ—Èπ ∏ÿ√°‘®ª√–°—π™’«‘μ®÷߉¥â„À⧫“¡ ”§—≠°—∫ μ— « ·∑πª√–°— π ™’ « ‘ μ ¡“°∑’ Ë   ÿ ¥ ¥â « ¬°“√¡ÿ à ß ¡— Ë π ∑’ Ë ® –æ— ≤ π“ §ÿ≥¿“æμ—«·∑πª√–°—π™’«‘μ„Àâ¡’§«“¡√Ÿâ§«“¡ “¡“√∂Õ¬à“ß ¡◊ÕÕ“™’æ ‚¥¬°“√¬°√–¥—∫μ—«·∑πª√–°—π™’«‘μ„À⇪ìπ ∑’Ë ª√÷°…“∑“ߥâ“π°“√‡ß‘π (Financial Advisor) ´÷Ëß “¡“√∂∑’Ë®– ∑”Àπâ“∑’Ë«‘‡§√“–Àå·≈–«“ß·ºπ∑“ߥâ“π°“√‡ß‘π°“√≈ß∑ÿπ„Àâ °—∫≈Ÿ°§â“‰¥â‡ªìπÕ¬à“ߥ’ Õ’°∑—È߉¥â¡’°“√æ—≤π“«‘∏’°“√𔇠πÕ ¢“¬‚¥¬π”‡∑§‚π‚≈¬’„À¡àÊ¡“‡ªìπ‡§√◊ËÕß¡◊ÕÕ”π«¬§«“¡  –¥«°„π°“√‡ πÕ¢“¬¥â«¬ °“√¢“¬ºà“π∏𓧓√ ‡π◊ËÕß®“°∏𓧓√‡ªìπ ∂“∫—π°“√‡ß‘π∑’˪√–™“™π„Àâ §«“¡‡™◊ËÕ∂◊Õ ¥—ßπ—Èπ °“√π”º≈‘μ¿—≥±å®”Àπà“¬ºà“π∏𓧓√ ®÷߇ªìπ™àÕß∑“ß∑’Ë “¡“√∂¢¬“¬°“√‡μ‘∫‚μ¢Õß∏ÿ√°‘®ª√–°—π ™’«‘μ‰¥â‡ªìπÕ¬à“ߥ’ ∫√‘…—∑ª√–°—π™’«‘μ‰∑¬‡°◊Õ∫∑ÿ°∫√‘…—∑®÷߉¥â ¡’°“√¢¬“¬™àÕß∑“ß°“√®”Àπà“¬‰ª¬—ß∏𓧓√æ“≥‘™¬å ‚¥¬ ‡√’¬°™àÕß∑“ß°“√®”Àπà“¬™π‘¥π’È«à“ çBancassuranceé ™àÕß∑“ß°“√¢“¬Õ◊ËπÊ „πªí®®ÿ∫—π°≈ÿà¡≈Ÿ°§â“¡’‡ªìπ®”π«π¡“° ¥—ßπ—Èπ ®÷߉¥â¡’ °“√æ—≤π“™àÕß∑“ß°“√®”Àπà“¬Õ◊ËπÊ¡’¢÷ÈπÕ¬à“ßÀ≈“°À≈“¬ ‡æ◊ËÕ„Àâ∂÷ß°≈ÿࡇªÑ“À¡“¬∑ÿ°°≈ÿà¡ Õ’°∑—È߇ªìπ°“√Õ”π«¬§«“¡  –¥«°„π°“√´◊ÈÕº≈‘μ¿—≥±å„Àâ¡’§√Õ∫§≈ÿ¡∑ÿ°∑’Ë Õ“∑‘‡™àπ °“√¢“¬∑“ß‚∑√»—æ∑å (Tele Marketing) , °“√¢“¬ºà“πÕߧå°√ (Worksite) , °“√¢“¬ºà“π‰ª√…≥’¬å (Post Office) , °“√¢“¬ ºà“πÕ‘π‡μÕ√å‡πÁμ ‡ªìπμâπ

The life insurers compete relentlessly in the publicity. However, the large insurers dominate their competition when it comes to any type of publicity, i.e., television commercials, radio, and prints. Such publicity cost comes with a high price tag; however, it materializes in a form of growth in the business. 3) Distribution Channel Agency The sales of life insurance through agents remain the main distribution channel of life insurance insurance. Agency remains the primary channel that reaches the general public with the best product information. Thus, this channel considers very important in educating and creating instantly clear understanding about insurance products and various provisions. Therefore, the life insurance industry has given agents the most attention with the aim to improve quality of life insurance agents by focusing on professionalism, knowledge and competence. Our goal is to create or promote the standard of life insurance agent as a financial advisor who is capable of analyzing and providing financial and investment planning for the customers in addition to developing sales presentation by integrating new technology to facilitate the sales presentation. Bancassurance As bank become a financial institution that the public trusts, bancassurance boasts well as a distribution with good potential for life insurance industry. Hence, almost all life insurers have expanded its distribution to include commercial banks by calling such distribution channel ùBancassurance.û Other Distribution Channels In todayûs world, customers are so fragmented. Therefore, there are needs to develop other distribution channels to reach every target market as well as ease the convenience of purchasing products to cover all types of medium, for example, telemarketing, worksite marketing, post office, and Internet.

Annual Report 2006 The Thai Life Assurance Association

53


2. ¿“æ√«¡∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ªï 2549

2. Overall Thai Life Insurance Business in 2006 2.1 Performance of Thai Life Insurance Business in 2006

2.1 º≈°“√¥”‡π‘πß“π¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ ªï 2549 2.1.1 ‡∫’Ȭª√–°—π¿—¬√—∫√“¬„À¡à ∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ªï 2549 ¡’‡∫’Ȭª√–°—π¿—¬√—∫√«¡ 173,486.3 ≈â“π∫“∑ Õ—μ√“°“√‡μ‘∫‚μ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 4 (2548 : 10%) ‡ªìπ‡∫’Ȭª√–°—π¿—¬√—∫ªï·√° 33,320.2 ≈â“π∫“∑ Õ—μ√“ °“√‡μ‘∫‚μ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 8 (2548 : 6%) ‡∫’Ȭª√–°—π¿—¬ªïμàÕ ‰ª 131,140.3 ≈â“π∫“∑ Õ—μ√“§«“¡§ßÕ¬Ÿà√âÕ¬≈– 86 (2548 : 89%) ·≈–‡∫’Ȭª√–°—π¿—¬®à“¬§√—È߇¥’¬« 9,025.8 ≈â“π∫“∑ Õ—μ√“°“√‡μ‘∫‚μ≈¥≈ß√âÕ¬≈– 40 (2548 : 0%) °“√≈¥≈ߢÕß ‡∫’Ȭª√–°—π¿—¬®à“¬§√—È߇¥’¬« Õ¥§≈âÕß°—∫¿“«–‡»√…∞°‘®„π ªí®®ÿ∫—π

2.1.1 New Business Premium In 2006, Thai life insurance industry garnered 173,486.3 million Baht in total premium, a growth of 4% (2005 : 10%). First year premium was 33,320.2 million Baht, a growth of only 8% (2005 : 6%). Renewal year premium registered 131,140.3 million Baht with persistency rate of 86% (2005 : 89%). And, single premium recorded 9,025.8 million Baht, 40% declining growth (2005 : 0%). Decline in single premium product coincides with the recent economic condition.

‡∫’Ȭª√–°—π¿—¬√—∫√“¬„À¡àªï 2548-2549

(New Business Premium Income 2005-2006)

2548/2005 2549/2006

180,000 160,000 140,000 120,000 100,000 80,000 60,000 40,000 20,000 0

First Year Premium

Renewal Premium

Single Premium

Total Premium

∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

2.1.2 ®”π«π°√¡∏√√¡åª√–°—π™’«‘μ·≈–®”π«π‡ß‘π ‡Õ“ª√–°—π¿—¬√“¬„À¡à „πªï 2549 ∏ÿ√°‘®ª√–°—π™’«‘μ¡’®”π«π°√¡∏√√¡åª√–°—π ™’«‘μ∑—Èß ‘Èπ 3,706,009 °√¡∏√√¡å ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ 1,850,435 ≈â“π∫“∑ ‡ªìπ°√¡∏√√¡åª√–°—π™’«‘μª√–‡¿∑ “¡—≠ 1,840,165 °√¡∏√√¡å ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ 348,613 ≈â“π∫“∑ ª√–‡¿∑Õÿ μ  “À°√√¡ 180,070 °√¡∏√√¡å ®”π«π‡ß‘ π ‡Õ“ ª√–°—π¿—¬ 12,582 ≈â“π∫“∑ ª√–‡¿∑°≈ÿà¡ 4,648 °√¡∏√√¡å ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ 655,366 ≈â“π∫“∑ ·≈–°√¡∏√√¡å ª√–°—π¿—¬Õÿ∫—쑇Àμÿ à«π∫ÿ§§≈ 1,681,126 °√¡∏√√¡å ®”π«π ‡ß‘π‡Õ“ª√–°—π¿—¬ 833,873 ≈â“π∫“∑ ®“° —¥ à«π¢Õß®”π«π°√¡∏√√¡åª√–°—π¿—¬ æ∫«à“ °√¡∏√√¡å ª √–°— π ¿— ¬ ª√–‡¿∑ “¡— ≠ ¬— ß §ß‰¥â √ — ∫ §«“¡π‘ ¬ ¡  Ÿß ÿ¥∂÷ß√âÕ¬≈– 49.65 √Õß≈ß¡“‡ªìπ°√¡∏√√¡åª√–°—π¿—¬ Õÿ∫—쑇Àμÿ à«π∫ÿ§§≈√âÕ¬≈– 45.36

54

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬

2.1.2 No. of Policy and Sum Insured (New Business) Life insurance industry had written a total of 3,706,009 policies with sum insured of 1,850,435 million Baht in 2006 breaking into 1,840,165 Ordinary policies with sum insured of 348,613 million Baht, 180,070 Industrial policies with sum insured of 12,582 million Baht, 4,648 Group policies with sum insured of 655,366 million Baht, and 1,681,126 PA policies with sum insured of 833,873 million Baht. By determining from the proportion of number of policies, it is clear that Ordinary product remains the most popular product sold with 49.65% followed closely by PA product with 45.36%.


—¥ à«π°√¡∏√√¡åª√–°—π¿—¬√“¬„À¡àªï 2549

(Ratio of No. of New Business Policies in 2006) Ordinary Industrial PA Group

0.13%

45.36%

49.65%

4.86% ∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

2.1.3  à«π·∫àß°“√μ≈“¥ „πªï 2549 ∏ÿ√°‘®ª√–°—π™’«‘μ¬—ß§ß¡’°“√ª√—∫ª√ÿß·≈– æ—≤π“√–∫∫°“√¥”‡π‘πß“π„π¥â“πμà“ßÊ √«¡∑—Èß°“√·¢àߢ—π ∑“ߥâ“π°“√‚¶…≥“ª√–™“ —¡æ—π∏åμ“¡ ◊ËÕμà“ßÊ ‡æ◊ËÕ„Àâº≈ °“√¥”‡π‘πß“π¢Õß∫√‘…—∑¡’°“√‡μ‘∫‚μ ·≈– ”À√—∫ 5 ∫√‘…—∑ ·√°∑’Ë¡’ à«π·∫àß°“√μ≈“¥ Ÿß ÿ¥„πªïπ’È ‚¥¬Õ—π¥—∫∑’Ë 1 ‰¥â·°à ∫√‘…—∑ Õ‡¡√‘°—πÕ‘π‡μÕ√å‡π™—Ëπ·π≈·Õ ™—«√—π å ®”°—¥ ¥â«¬ à«π ·∫àß°“√μ≈“¥√âÕ¬≈– 41.9 Õ—π¥—∫∑’Ë 2 ∫√‘…—∑ ‰∑¬ª√–°—π™’«‘μ ®”°—¥  à«π·∫àß°“√μ≈“¥√âÕ¬≈– 14.1 Õ—π¥—∫∑’Ë 3 ∫√‘…—∑ Õ¬ÿ∏¬“Õ≈‘Õ—π´å ´’.æ’.ª√–°—π™’«‘μ ®”°—¥ (¡À“™π)  à«π·∫àß°“√ μ≈“¥√âÕ¬≈– 10.6 Õ—π¥—∫∑’Ë 4 ∫√‘…—∑°√ÿ߇∑æª√–°—π™’«‘μ ®”°—¥  à«π·∫àß°“√μ≈“¥√âÕ¬≈– 6.0 ·≈–Õ—π¥—∫∑’Ë 5 ∫√‘…—∑ ‰∑¬æ“≥‘™¬å𑫬Õ√姉≈øáª√–°—π™’«‘μ ®”°—¥ (¡À“™π) °—∫ ∫√‘…—∑ ‡¡◊Õ߉∑¬ª√–°—π™’«‘μ ®”°—¥ ¡’ à«π·∫àß°“√μ≈“¥‡∑à“ °—π√âÕ¬≈– 5.8

2.1.3 Market Share The life insurance industry underwent the improvement and development in several facets of operating system in 2006, for example, competitions in the advertising and publicity in a variety of medium in order to advance the growth of business performance. The top 5 life insurers with the biggest market share in 2006 are American International Assurance with 41.9% , the second is Thai Life Insurance with 14.2% , the third is Ayudhya Allianz C.P. Life with 10.6% , the fourth is Bangkok Life with 6.0% and the fifth is Siam Commercial New York Life and Muang Thai Life Assurance tied with 5.8%.

ING

FLA

1.1% Others 2.0% 5.5% 2.1% KTAL

OLIC

5.1% BLA  à«π·∫àß°“√μ≈“¥ªï 2549 6.0% (Market Share as of 2006) SCNYL 5.8%

AIA

41.9%

MTL

5.8% AACP

10.6%

TLI

14.1% ∑’Ë¡“ :  ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Source : The Thai Life Assurance Association

Annual Report 2006 The Thai Life Assurance Association

55


2.2 ªí®®—¬‡ ’ˬß∑“߇»√…∞°‘® 1.) ªí®®—¬‡ ’ˬß∑’ˬ—ß¡’§«“¡ ”§—≠∑’Ë ÿ¥§◊Õ √“§“πÈ”¡—π¬—ß §ß¡’·π«‚π⡇æ‘Ë¡ Ÿß¢÷ÈπÕ¬à“ßμàÕ‡π◊ËÕß 2.) Õ—μ√“¥Õ°‡∫’Ȭ∏𓧓√æ“≥‘™¬å·≈–Õ—μ√“‡ß‘π°Ÿâ°Á¬—ß§ß ª√—∫μ—«‡æ‘Ë¡Õ¬à“ßμàÕ‡π◊ËÕ߇™àπ‡¥’¬«°—π 3.) °“√‡¡◊Õß¿“¬„πª√–‡∑»¡’°“√∑”√—∞ª√–À“√  àߺ≈ μàÕ§«“¡‡™◊ËÕ¡—Ëπ¢Õßπ—°≈ß∑ÿπ·≈–ª√–™“™π‚¥¬∑—Ë«‰ª 4.) §«“¡‰¡à ß∫„π 3 ®—ßÀ«—¥™“¬·¥π¿“§„μ⬗ߧ߇°‘¥ ¢÷ÈπÕ¬à“ßμàÕ‡π◊ËÕß ·≈–√ÿπ·√ß¡“°¬‘Ëߢ÷Èπ

2.3 º≈°√–∑∫®“°ªí®®—¬‡ ’Ë¬ß √“§“πÈ ” ¡— π ∑’ Ë ¬ — ß §ß¡’ · π«‚πâ ¡  Ÿ ß ¢÷ È π ∑ÿ ° ¢≥–∑”„Àâ ª√–™“™π¡’°“√„™â®à“¬Õ¬à“ß√–¡—¥√–«—ß  ”À√—∫Õ—μ√“¥Õ°‡∫’Ȭ ∏𓧓√æ“≥‘™¬å∑’Ë Ÿß¢÷Èπ∑”„Àâ¿“§ª√–™“™π¡’°“√Ω“°‡ß‘π ÕÕ¡‡æ‘Ë¡¡“°¢÷Èπ √«¡∑—Èßªí®®—¬‡ ’ˬßÕ◊ËπÊ ≈â«π àߺ≈°√–∑∫ μàÕ∏ÿ√°‘®ª√–°—π™’«‘μ∑”„Àâ¡’Õ—μ√“°“√‡μ‘∫‚μ™–≈Õμ—«Õ¬à“߇ÀÁπ ‰¥â™—¥ ‚¥¬‡©æ“–º≈‘μ¿—≥±å·∫∫‡∫’Ȭª√–°—π¿—¬®à“¬§√—È߇¥’¬« ¥—ßπ—Èπ∏ÿ√°‘®ª√–°—π™’«‘μ®”‡ªìπμâÕߪ√—∫°≈¬ÿ∑∏å„π°“√¥”‡π‘π ß“π„πÀ≈“¬Ê¥â“π μ≈Õ¥∑—Èß°“√æ—≤π“º≈‘μ¿—≥±å„Àâ‡À¡“–  ¡°—∫¿“«–‡»√…∞°‘®„πªí®®ÿ∫—π

3. ·π«‚πâ¡¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ªï 2549-2554 ∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬§√÷ËߪïÀ≈—ß 2549 §“¥«à“®–¡’Õ—μ√“ °“√‡μ‘∫‚μ¢Õ߇∫’Ȭª√–°—π¿—¬√—∫‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 4 ¥â«¬‡∫’Ȭ ª√–°— π ¿— ¬ √— ∫ √«¡ ≥  ‘ È π ªï 1.7 · π≈â “ π∫“∑ ®”π«π °√¡∏√√¡åª√–°—π™’«‘μ 13.3 ≈â“π°√¡∏√√¡å ´÷Ëß∏ÿ√°‘®ª√–°—π ™’«‘μ¡’Õ—μ√“°“√‡μ‘∫‚μ∑’Ë™–≈Õμ—«≈ß®“°ªï 2548 ‡ªìπÕ¬à“ß¡“° „π¢≥–‡¥’¬«°—π∏ÿ√°‘®ª√–°—π™’«‘μ®”‡ªìπμâÕß¡’°“√æ—≤π“·≈– ª√—∫ª√ÿß°“√¥”‡π‘πß“π μ≈Õ¥∑—Èß°“√·¢àߢ—π∑“ß‚¶…≥“ Õ¬à“ß√ÿπ·√߇æ◊ËÕ∑”„Àâ∏ÿ√°‘®ª√–°—π™’«‘μ¬—ß¡’°“√‡μ‘∫‚μ∑’ËμàÕ ‡π◊ËÕß

56

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬

2.2 Economic Risk Factors 1.) The most important risk factor remains rising oil prices that havenût shown sign of a slowdown. 2.) Interest rate from commercial banks and lending rate that remain on an upward trend. 3.) Domestic politics setback by coup dents the investor and general public confidence. 4.) Unrests in 3 provinces along Southern borders continue and intensify.

2.3 Impact from Risk Factors Rising oil prices cause the general public to tighten their spending. With high interest rate from commercial bank, the general public continues to put more money in savings account coupling with other risk factors affecting life insurance business. That clearly results in a slower growth rate for the industry, specifically in the single premium product, Hence, this prompts the life insurance business to adjust several areas of their operating strategies, including product development, to better suit with the current economic condition.

3. Trends of Life Insurance in 2006-2011 Thai life insurance industry estimates to see 4% growth in total premium at the end of the year marked by 3.7 million policies sold with sum assured of 1.7 billion baht. That would make life insurance business experience tremendous slower growth from 2005 caused by impacts from overall economic condition. Meanwhile, life insurance industry needs to improve and develop their business operations to cope with fierce advertising competition so as to ensure their continuous growth of the business.


¢âÕ¡Ÿ≈∏ÿ√°‘®ª√–°—π™’«‘μ„πª√–‡∑»‰∑¬ Data on Thai Life Insurance Industry ªï (æ.».) Year (B.E.) ªï (§.».) Year

2548 2005

2549 2006 Proj. 13.3

2550 2007 Proj. 14.6

2551 2008 Proj. 16.2

2552 2009 Proj. 17.9

2553 2010 Proj. 19.7

2554 2011 Proj. 21.8

18.0 16.4

10.4 18.6

10.5 21.2

10.5 24.1

10.5 27.4

10.5 31.1

29.3 4,115.1

13.7 4,963.7

13.7 5,986.2

13.7 7,219.3

13.7 8,706.5

13.7 10,500.1

32.8 4,648.6

20.6 5,486.4

20.6 6,474.0

20.6 7,639.3

20.6 9,014.4

20.6 10,637.0

21.9 173.3

18.0 192.3

18.0 212.9

18.0 235.7

18.0 260.9

18.0 288.8

4.0 590.5

11.0 711.5

10.7 857.4

10.7 1,033.2

10.7 1,245.0

10.7 1,500.2

20.5 106.4

20.5 127.6

20.5 153.2

20.5 183.8

20.5 220.5

20.5 264.6

29.4 690.1

20.0 814.3

20.0 960.8

20.0 1,133.8

20.0 1,337.9

20.0 1,578.7

18.2 750.5

18.0 900.6

18.0 1,080.8

18.0 1,296.9

18.0 1,556.3

18.0 1,867.6

21.0

20.0

20.0

20.0

20.0

20.0

62.4

62.8

63.4

64.1

64.7

65.3

66.0

0.7

0.6

1.0

1.0

1.0

1.0

1.0

7,087.7

7,740.7

8,437.7

9,196.8

10,024.5

10,926.7

11,910.1

9.2

9.2

9.0

9.0

9.0

9.0

9.0

®”π«π°√¡∏√√¡åª√–°—π¿—¬ (≈â“π°√¡∏√√¡å) 11.2 No. of Policy (Million Policies) % ¢¬“¬μ—« / Growth Rate % 8.2 ®”π«π°√¡∏√√¡åª√–°—π¿—¬+PA (≈â“π°√¡∏√√¡å) 12.7 No. of Policy + PA (Million Policies) % ¢¬“¬μ—« / Growth Rate % 8.4 ∑ÿπª√–°—π¿—¬ (æ—π≈â“π∫“∑) 3,098.5 Sum Insured (Billion Baht) % ¢¬“¬μ—« / Growth Rate % 15.9 ∑ÿπª√–°—π¿—¬+PA (æ—π≈â“π∫“∑) 3,814.7 Sum Insured + PA (Billion Baht) % ¢¬“¬μ—« / Growth Rate % 17.0 ‡∫’Ȭª√–°—π¿—¬√—∫ (æ—π≈â“π∫“∑) 163.1 Premium (Billion Baht) % ¢¬“¬μ—« / Growth Rate % 10.8 ‡ß‘π ”√Õߪ√–°—π¿—¬ª√–‡¡‘π (æ—π≈â“π∫“∑) 490.1 Estimated Life Policy Reserve (Billion Baht) % ¢¬“¬μ—« / Growth Rate % 18.1 ‡ß‘π°Õß∑ÿπª√–‡¡‘π (æ—π≈â“π∫“∑) 82.2 Estimated Capital Funds (Billion Baht) % ¢¬“¬μ—« / Growth Rate % 14.5  ‘π∑√—æ¬å≈ß∑ÿπª√–‡¡‘π (æ—π≈â“π∫“∑) 583.8 Estimated Invested Assets (Billion Baht) % ¢¬“¬μ—« / Growth Rate % 18.8  ‘π∑√—æ¬åª√–‡¡‘π (æ—π≈â“π∫“∑) 620.4 Estimated Assets (Billion Baht) % ¢¬“¬μ—« / Growth Rate % 14.8

¢âÕ¡Ÿ≈∑“߇»√…∞°‘® Economic Data ª√–™“°√ (≈â“π§π) Population (Million) % ¢¬“¬μ—« / Growth Rate % º≈‘μ¿—≥±å¡«≈√«¡¿“¬„πª√–‡∑» ≥ √“§“ªí®®ÿ∫—π (GDP) (æ—π≈â“π∫“∑) Gross Domestic Product (GDP) as of today (Billion Baht) % ¢¬“¬μ—« / Growth Rate %

Annual Report 2006 The Thai Life Assurance Association

57


ªï (æ.».) Year (B.E.) ªï (§.».) Year

2548 2005

2549 2006 Proj.

2550 2007 Proj.

2551 2008 Proj.

2552 2009 Proj.

2553 2010 Proj.

2554 2011 Proj.

®”π«π°√¡∏√√¡åª√–°—π¿—¬ : ª√–™“°√ (%) 18.00 No. of Policy : Population (%) ®”π«π°√¡∏√√¡åª√–°—π¿—¬+PA : ª√–™“°√ (%) 20.32 No. of Policy +PA : Population (% ∑ÿπª√–°—π¿—¬ : ª√–™“°√ (∫“∑) 49,655 Sum Insured : Population (Baht) ∑ÿπª√–°—π¿—¬+PA : ª√–™“°√ (∫“∑) 61,251 Sum Insured+PA : Population (Baht) ‡∫’Ȭª√–°—π¿—¬ : ª√–™“°√ (∫“∑) 2,613 Premium : Population (Baht) ‡∫’Ȭª√–°—π¿—¬ : °√¡∏√√¡å (∫“∑) 14,518 Premium : Policy (Baht) ‡∫’Ȭª√–°—π¿—¬ : º≈‘μ¿—≥±å¡«≈√«¡ ¿“¬„πª√–‡∑» (GDP) (%) 2.30 Premium : Domestic GDP (%)

21.11

23.07

25.24

27.62

30.21

33.05

26.05

29.34

33.03

37.18

41.85

47.12

65,526

78,257

93,443

111,577

133,229

159,084

74,022

86,499

101,058

118,067

137,940

161,158

2,759

3,032

3,324

3,643

3,993

4,376

13,072

13,144

13,168

13,192

13,216

13,240

2.24

2.28

2.32

2.35

2.39

2.43

% «‘‡§√“–Àå Analysis %

∑’Ë¡“ : 1. ¢âÕ¡Ÿ≈‡»√…∞°‘®®“° ¿“æ—≤πåœ, ∏𓧓√·Ààߪ√–‡∑»‰∑¬ / Economic Data from NESDB and The Bank of Thailand 2. ®”π«πª√–™“°√®“°°√¡°“√ª°§√Õß / Population figure from Department of Provincial Administration 3. ¢âÕ¡Ÿ≈ ∂‘μ‘∏ÿ√°‘®ª√–°—π™’«‘μ®“° ¡“§¡ª√–°—π™’«‘μ‰∑¬ / Life Insurance Business Statistics from The Thai Life Assurance Association

4. ¡“μ√°“√ à߇ √‘¡∏ÿ√°‘®ª√–°—π™’«‘μ

4. Supporting Measure in Life Insurance Industry 4.1 °“√ à߇ √‘¡®“°¿“§√—∞ °√¡°“√ª√–°—π¿—¬ 4.1 Governmental Support - Department of 4.1.1 °“√ à߇ √‘¡„Àâ¿“§∏ÿ√°‘®‰¥â¡’º≈‘μ¿—≥±å„À¡àÊ π” Insurance ‡ πÕ‡ªìπ∑“߇≈◊Õ°·°àª√–™“™π∑—Ë«‰ª ¥â«¬°“√ à߇ √‘¡„Àâ¡’ °√¡∏√√¡åª√–°—π¿—¬≈Ÿ°°μ—≠êŸ ‚¥¬∫ÿμ√∑’Ë™”√–‡∫’Ȭª√–°—π  ÿ¢¿“æ„Àâ°—∫∫‘¥“ ¡“√¥“ ∑—ÈߢÕßμπ‡Õß·≈–¢ÕߧŸà ¡√   “¡“√∂π”‡∫’Ȭª√–°—π¿—¬ ÿ¢¿“扪À—°≈¥À¬àÕπ¿“…’‡ß‘π‰¥â ∫ÿ§§≈∏√√¡¥“‰¥â§π≈– 15,000 ∫“∑ ·μà∑—Èßπ’ÈμâÕßÕ¬Ÿà¿“¬„μâ ‡ß◊ËÕπ‰¢∫‘¥“ ¡“√¥“ μâÕß¡’Õ“¬ÿÕ¬Ÿà„π‡°≥±å∑’Ë∫√‘…—∑æ÷ß√—∫ ª√–°—π¿—¬‰¥â ·≈–μâÕß¡’√“¬‰¥â‰¡à‡°‘π 30,000 ∫“∑μàÕªï 4.1.2 °“√‡ªî¥™àÕß∑“ß°“√≈ß∑ÿπ‡æ‘Ë¡„Àâ°—∫∏ÿ√°‘®ª√–°—π ™’«‘μ „Àâ “¡“√∂≈ß∑ÿπ„πÕ —ßÀ“√‘¡∑√—æ¬å‰¥â 4.1.3 °“√‡ √‘¡ √â“ߪ√– ‘∑∏‘¿“æ·≈–¡“μ√∞“π¢Õß ∫√‘…—∑ª√–°—π¿—¬ „Àâ¡’§«“¡¡—Ëπ§ß·≈– √â“ߧ«“¡‡™◊ËÕ¡—Ëπ„Àâ ‡°‘¥¢÷ÈπμàÕ∏ÿ√°‘®ª√–°—π¿—¬

58

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬

4.1.1 Promote life insurance industry to offer new products as alternatives for the general public including Luk Kratunyoo product by allowing children to pay health premium for their own and spouse parents and to obtain personal income tax deduction from such health premium up to 15,000 Baht. Under terms and conditions, age of parents must be within insurerûs terms of underwriting and whose incomes must not exceed 30,000 Baht a year. 4.1.2 Liberalization of investment for life insurance industry that allows investment in real estate property. 4.1.3 Strengthening efficiency and standard of life insurance companies to establish public trust and stability in the life insurance business.


4.1.4 °“√ à߇ √‘¡∫∑∫“∑°“√„Àâ∫√‘°“√¢Õß∏ÿ√°‘®ª√–°—π ™’«‘μ ‚¥¬°“√ à߇ √‘¡„Àâª√–™“™π¡’°“√ÕÕ¡√–¬–¬“«¥â«¬ °“√ª√–°—π™’«‘μ ‡æ◊ËÕ√Õß√—∫ —ߧ¡ºŸâ ŸßÕ“¬ÿ∑’Ë®–¡’¡“°¢÷Èπ„π Õπ“§μ Õ’°∑—È߇ªìπ°“√°√–μÿâπ‡ß‘πÕÕ¡„πª√–‡∑»„Àâ¡’¡“°¢÷Èπ ‡æ◊ËÕª√–‚¬™πåμàÕ°“√𔉪æ—≤π“ª√–‡∑»„π¥â“πμà“ßÊ

4.1.4 Promotion of services by life insurance industry through long-term savings by general public serves to support aging society trend that would only expand in the future as well as stimulate domestic savings for the benefits of country development.

4.1.5 °“√ªØ‘√ŸªÕߧå°√°”°—∫¥Ÿ·≈¢Õß°√¡°“√ª√–°—π ¿—¬„À⇪ìπÕߧå°√Õ‘ √– ‡æ◊ËÕ§«“¡§≈àÕßμ—«„π°“√°”°—∫¥Ÿ·≈ ‚¥¬„™â™◊ËÕ«à“ ç ”π—°ß“π§≥–°√√¡°“√°”°—∫·≈– à߇ √‘¡ ∏ÿ√°‘®ª√–°—π¿—¬é ªí®®ÿ∫—πÕ¬Ÿà√–À«à“ß°“√æ‘®“√≥“√à“ßæ√–√“™ ∫—≠≠—μ‘Õߧå°√Õ‘ √–¢Õߧ≥–°√√¡°“√°ƒ…Æ’°“

4.1.5 Structural reform of supervisory body from Department of Insurance to an independent agency lends the supervisory efficiency and flexibility under the name çThe Office of Insurance Supervision and Promotion Boardé. Nowadays, the process is in the process of law making under Self-Regulatory Organization Act.

4.1.6 °“√ª√—∫ª√ÿß°ÆÀ¡“¬ °Æ√–‡∫’¬∫ ·≈–¡“μ√°“√ „π°“√°”°—∫¥Ÿ·≈∏ÿ√°‘®ª√–°—π¿—¬„Àâ¡’§«“¡‡ªìπ¡“μ√∞“π  “°≈ √Õß√—∫§«“¡‡ª≈’ˬπ·ª≈ß„πÕπ“§μ

4.2 °“√ à߇ √‘¡®“°¿“§‡Õ°™π  ¡“§¡ª√–°—π™’«‘μ‰∑¬

4.1.6 Improving legislations, regulations and supervisory measures in the life insurance industry toward international standard and potential future changes.

4.2 Private Sector Support - The Thai Life Assurance Association

4.2.1  à߇ √‘¡·≈– π—∫ πÿπ∏ÿ√°‘®ª√–°—π™’«‘μ ‚¥¬°“√¡’ ·π«§‘ ¥ ∑’ Ë ® –æ— ≤ π“§ÿ ≥ ¿“æ∫ÿ § ≈“°√∑“ß°“√ª√–°— π ™’ « ‘ μ ¥â«¬°“√√à«¡¡◊Õ°—∫ ∂“∫—πæ—≤𓧫“¡√Ÿâμ≈“¥∑ÿπ (Thailand Securities Institute : TSI) „Àâ®—¥∑”À≈—° Ÿμ√æ—≤π“∫ÿ§≈“°√ ¢Õß∏ÿ √ °‘ ® ª√–°— π ™’ « ‘ μ „Àâ ¡ ’ § «“¡√Ÿ â § «“¡ “¡“√∂„π°“√ «‘‡§√“–Àå·≈–«“ß·ºπ∑“ß°“√‡ß‘π ‡æ◊ËÕª√–‚¬™πåμàÕ°“√ ª√–°Õ∫Õ“™’æ„πÕπ“§μ

4.2.1 Promote and support the life insurance industry with the idea to develop quality of insurance personnel. Through cooperation with Thailand Securities Institute (TSI), the insurance personnel program is developed to provide knowledge and skills in financial analysis and planning for the beneficial of future career development.

4.2.2  à߇ √‘¡·≈–ª√–™“ —¡æ—π∏姫“¡√Ÿâ§«“¡‡¢â“„® ‡°’ˬ«°—∫°“√ª√–°—π™’«‘μ„Àâ·°àª√–™“™π∑—Ë«‰ª‚¥¬°“√„À⧫“¡ √à«¡¡◊Õ°—∫Õߧå°√À√◊ÕÀπà«¬ß“π¿“¬πÕ° ‡™àπ °“√„À⧫“¡ √à«¡¡◊Õ°—∫°√ÿ߇∑æ¡À“π§√„π‚§√ß°“√ 统π¬å à߇ √‘¡°“√ ∫√‘À“√‡ß‘πÕÕ¡§√Õ∫§√—«é ¢Õß°√ÿ߇∑æ¡À“π§√ ‚¥¬°“√ ª√–™“ —¡æ—π∏å„À⧫“¡√Ÿâ§«“¡‡¢â“„®μàÕ§ÿ≥§à“·≈–ª√–‚¬™πå ¢Õß°“√ÕÕ¡‡ß‘π ºà“π√Ÿª·∫∫°“√ª√–°—π™’«‘μ ‡ªìπμâπ

4.2.2 Promote and publicize insurance knowledge and understanding to general public through cooperation with other organizations and institutions, for example, cooperation with BMA under the project çFamily Savings Planning Promotion Centeré by providing knowledge and understanding of the value and benefits of savings through insurance products.

4.2.3 °“√®—¥∑”μ”√“Õà“π‡ √‘¡‡°’ˬ«°—∫‡»√…∞»“ μ√å °“√‡ß‘π·≈–°“√ª√–°—π™’«‘μ ‚¥¬‡πâπ°“√ª≈Ÿ°Ωí߇¬“«™π¢Õß ™“μ‘∑ÿ°√–¥—∫™—Èπ‡√’¬π „Àâ¡’§«“¡√Ÿâ§«“¡‡¢â“„®‡°’ˬ«°—∫°“√ ª√–°—π™’«‘μÕ¬à“ß∂Ÿ°μâÕß·≈–‡ªìπ°“√ √â“ß∑—»π§μ‘∑’Ë¥’μàÕ°“√ ª√–°—π™’«‘μ

4.2.3 Publish additional reading materials related to economic financial and insurance by highlighting the promotion of savings among the countryûs youth in all levels of education so that they have proper knowledge and understanding of insurance and positive outlook toward life insurance. Annual Report 2006 The Thai Life Assurance Association

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60

4.2.4 ¢¬“¬°“√®—¥ Õ∫μ—«·∑π¥â«¬√–∫∫§Õ¡æ‘«‡μÕ√å ÕÕ° Ÿà»Ÿπ¬å Õ∫μà“ß®—ßÀ«—¥ ´÷Ëߢ≥–π’È°”≈—߉¥â√—∫§«“¡π‘¬¡ ‡ªìπÕ¬à“ß¡“° ‡π◊ËÕß®“°ºŸâ ¡—§√ Õ∫ “¡“√∂√Ÿâº≈ Õ∫‰¥â ∑—π∑’À≈—ß®“°∑’Ë Õ∫‡ √Á® ªí®®ÿ∫—π¡’°“√®—¥ Õ∫¥â«¬√–∫∫¥—ß °≈à“«∑’Ë ¡“§¡ª√–°—π™’«‘μ‰∑¬‡æ’¬ß·Àà߇¥’¬«

4.2.4 Expand computerized agency examination to upcountry exam center. The exam is becoming very popular because the applicant can obtain exam results immediately after the exam. Currently, the applicant can only take computerized exam at The Thai Life Assurance Association.

4.2.5 °“√¢Õ‡æ‘Ë¡§à“≈¥À¬àÕπ¿“…’‡ß‘π‰¥â∫ÿ§§≈∏√√¡¥“ ®“°‡∫’ È ¬ ª√–°— π ™’ « ‘ μ ®“°ªï ≈ –‰¡à ‡ °‘ π 50,000 ∫“∑ ‡ªì π 300,000 ∫“∑ ‡æ◊ËÕ®Ÿß„®„Àâª√–™“™π∑”ª√–°—π™’«‘μ¡“°¢÷Èπ ´÷Ëß∂◊Õ«à“‡ªìπ°“√·∫à߇∫“¿“√– «— ¥‘°“√∑“ß —ߧ¡®“°¿“§√—∞ ‰¥â‡ªìπÕ¬à“ߥ’

4.2.5 Raising personal income tax deduction for life insurance premium from 50,000 Baht a year to 300,000 Baht a year. It would motivate the general public to purchase more life insurance. It also helps lessen the burden of governmentûs social security.

4.2.6 °“√¢Õ¬°‡«âπ‡∫’Ȭª√–°—π™’«‘μ°≈ÿà¡∑’Ë𓬮â“ß®à“¬ ‡ªìπ «— ¥‘°“√„Àâ°—∫≈Ÿ°®â“ß ‰¡àμâÕß𔉪√«¡§”π«≥‡ ’¬¿“…’ ‡ß‘π‰¥â∫ÿ§§≈∏√√¡¥“

4.2.6 Exemption of group insurance premium that employers paid for as employee compensation which should not be considered part of personal income tax calculation.

4.2.7 °“√¢Õ¬°‡«âπ°“√‡¢â“ Ÿà√–∫∫¿“…’¡Ÿ≈§à“‡æ‘Ë¡ (VAT) ¢Õßμ—«·∑πª√–°—π™’«‘μ ‡π◊ËÕß®“°μâÕß°“√ à߇ √‘¡„Àâ¡’∫ÿ§§≈ ‡¢â“ ŸàÕ“™’楗߰≈à“«¡“°¢÷Èπ ·≈–‡æ◊ËÕ‰¡à„À⇪ìπ°“√‡ ’¬¿“…’´È” ´âÕπ

4.2.7 Exemption from VAT system for life insurance agents in order to promote greater inflow of personnel into insurance profession and eliminate double taxation.

√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬


ª√–«—μ‘ ¡“§¡ª√–°—π™’«‘μ‰∑¬·≈–∫∑∫“∑ ¢Õß ¡“§¡μàÕ∫√‘…—∑ ¡“™‘° History of The Thai Life Assurance Association „π™à«ßªï 2495 ºŸâ¥”‡π‘π°“√∏ÿ√°‘®ª√–°—π™’«‘μ„πª√–‡∑» ‰∑¬ ‰¥âª√–™ÿ¡ª√÷°…“À“√◊Õ „π°“√∑’Ë®–®—¥μ—ÈßÕߧå°√°≈“ß  ”À√—∫∏ÿ√°‘®ª√–°—π™’«‘μ¢÷Èπ ·≈–‰¥â®—¥μ—Èߧ≥–∑”ß“π ∑’Ë¡“ ®“°∫√‘…—∑ª√–°—π™’«‘μ ®”π«π 10 §π ®“° 10 ∫√‘…—∑¢÷Èπ ‡æ◊ËÕ ¥”‡π‘π°“√¥—ß°≈à“« μàÕ¡“„πªï 2496 §≥–∑”ß“π¥—ß°≈à“« ‰¥â¬◊ËπÀπ—ß ◊ÕμàÕ °√¡μ”√«®‡æ◊ËÕ®—¥μ—Èß ¡“§¡ª√–°—π™’«‘μ ·Ààߪ√–‡∑»‰∑¬ ‚¥¬¡’«—μ∂ÿª√– ß§å §◊Õ 1.  à߇ √‘¡°“√√—∫ª√–°—π™’«‘μ„À⇮√‘≠√ÿà߇√◊Õ߬‘Ëß Ê ¢÷Èπ‰ª 2. ª≈Ÿ°Ωíߧ«“¡ “¡—§§’√–À«à“ß∫√‘…—∑ª√–°—π™’«‘μ 3. ™à«¬‡À≈◊Õ√—∞∫“≈„π°“√§«∫§ÿ¡∫√‘…—∑ª√–°—π™’«‘μ Õ¬à“ß„°≈♑¥ 4. ª√– “πß“π„Àâ Õ¥§≈âÕßμâÕß°—π°—∫π‚¬���“¬√—∞∫“≈ Õ∏‘∫¥’°√¡μ”√«®‰¥â≈ßπ“¡Õπÿ¡—μ‘„πÀ≈—°°“√ ‡¡◊ËÕ«—π∑’Ë 16 ¡‘ ∂ ÿ 𠓬π 2496 ·≈–§≥–∑”ß“π‰¥â ¬ ◊ Ë π §”√â Õ ß¢Õ®¥ ∑–‡∫’¬π ‡ªìπ ¡“§¡μàÕ ¿“«—≤π∏√√¡·Ààß™“μ‘ ‡¡◊ËÕ«—π∑’Ë 23 ¡‘∂ÿπ“¬π 2496 „π∑’Ë ÿ¥  ¡“§¡ª√–°—π™’«‘μ·Ààߪ√–‡∑»‰∑¬ ‰¥â√—∫Õπÿ¡—μ‘„Àâ®—¥μ—ÈßÕ¬à“߇ªìπ∑“ß°“√ ‡¡◊ËÕ«—π∑’Ë 5 °√°Æ“§¡ 2499 μàÕ¡“„πªï 2510 ‰¥â¡’°“√μ√“æ√–√“™∫—≠≠—쑪√–°—π ™’«‘μ ª√–°“»„™â‡æ◊ËÕ§«∫§ÿ¡°“√¥”‡π‘πß“π¢Õß∏ÿ√°‘®ª√–°—π ™’«‘μ „Àâ¡’ª√– ‘∑∏‘¿“æ ·≈–„π«—π∑’Ë 9 惻®‘°“¬π 2510  ¡“§¡ª√–°—π™’«‘μ·Ààߪ√–‡∑»‰∑¬‰¥â‡ª≈’ˬπ™◊ËÕ‡ªìπ  ¡“§¡ ª√–°—π™’«‘μ‰∑¬ ‡æ◊ËÕ„Àâ Õ¥§≈âÕß°—∫¢âÕ∫—ߧ—∫¢Õßæ√–√“™ ∫—≠≠—μ‘°“√§â“ æ.». 2509 „π¢≥–π—Èπ ¡“§¡ª√–°—π™’«‘μ‰∑¬ ¡’ ¡“™‘°Õ¬Ÿà 8 ∫√‘…—∑ §◊Õ 1. ∫√‘…—∑ ‰∑¬ª√–°—π™’«‘μ ®”°—¥ 2. ∫√‘…—∑ ‰∑¬ª√– ‘∑∏‘ª√–°—π¿—¬ ®”°—¥ (ªí®®ÿ∫—π§◊Õ ∫√‘…—∑ ‡π™—Ëπ‰«¥åª√–°—π™’«‘μ ®”°—¥) 3. ∫√‘…—∑ Õ“§‡π¬åª√–°—π¿—¬ ®”°—¥ (ªí®®ÿ∫—π§◊Õ ∫√‘…—∑ Õ“§‡π¬åª√–°—π™’«‘μ ®”°—¥) 4. ∫√‘…—∑ ª√–°—π™’«‘μ»√’Õ¬ÿ∏¬“ ®”°—¥ (ªí®®ÿ∫—π§◊Õ ∫√‘…—∑ Õ¬ÿ∏¬“ Õ≈‘Õ—π´å ´’.æ’. ª√–°—π™’«‘μ ®”°—¥ (¡À“™π)) 5. ∫√‘…—∑ ‡¡◊Õ߉∑¬ª√–°—π™’«‘μ ®”°—¥ 6. ∫√‘…—∑ ‰∑¬ ¡ÿ∑√æ“≥‘™¬åª√–°—π¿—¬ ®”°—¥ (ªí®®ÿ∫—π§◊Õ ∫√‘…—∑ ‰∑¬ ¡ÿ∑√ª√–°—π™’«‘μ ®”°—¥) 7. ∫√‘…—∑  ¬“¡∫√‘°“√ª√–°—π™’«‘μ ®”°—¥ (ªí®®ÿ∫—π§◊Õ ∫√‘…—∑ Õ‘π‡μÕ√å‰≈øá ®ÕÀåπ·Œπ§Õ§ ª√–°—π™’«‘μ ®”°—¥ (¡À“™π))

The Thai Life Assurance Association was formed in 1952 and fully registered on 5th July, 1956 which is 50 years by now. This organization is established as a non-profit organization with the objective of gathering all Thai life insurance companies in the country, to promote friendly relation among the industry, to secure cooperation in the solution of problems, researches and exchange of ideas in the industry. Additionally, to provide life insurance education to the member companyûs personnel and also education people throughout by supplying brochures and booklets for public to get understand the needs and uses of life insurance in their daily lives, as well as by other communication media such a s newspaper, radio broadcasting, television. At present, there are 25 members. The Associationûs Structure The Association mainly consists of the Board of Directors, the sub-committees in various fields. All the 10 committees consist of at least one delegate from each member company. The main duties are to discuss the general industrial situation, problems and activities to be planned and operates. The Board of Directors will elect president who will be the chief executive officer with three vice president and secretary general. The Board also elects a treasurer to take care of the financial and account of the association. Board of Directors and sub-committee members will take office for 2 years term. Under the Board of Directors there be an administrative office which consists of permanent staffs headed by Director, who will take care of over all management of the association as assigned by the Board of Directors. The Thai Life Assurance Association has the following essential roles (both regular and particular): 1. To closely coordinate and foster cooperation and good relationship between life insurance companies and other organizations, institutions and related bodies.

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8. ∫√‘…—∑ °√ÿß ¬“¡ª√–°—π™’«‘μ ®”°—¥ (ªí®®ÿ∫—π§◊Õ ∫√‘…—∑ °√ÿ߇∑æª√–°—π™’«‘μ ®”°—¥) ‡¡◊ Ë Õ æ.». 2544  ¡“§¡‰¥— √ — ∫ Õπÿ ¡ — μ ‘ · °â ‰ ¢¢â Õ ∫— ß §— ∫  ¡“§¡ª√–°—π™’«‘μ‰∑¬„À¡à μ“¡Àπ—ß ◊Õ∑’Ë æ≥. 0410/6907 ≈ß«—π∑’Ë 17 °—𬓬π æ.». 2544 ¥—ßπ’È 1. ‡ªìπ»Ÿπ¬å√«¡¢ÕߺŸâª√–°Õ∫∏ÿ√°‘®ª√–°—π™’«‘μ ·≈–ºŸâ∑’Ë ‡°’ˬ«¢âÕß ‡æ◊ËÕ√à«¡¡◊Õ°—π„π°“√∑’Ë®– à߇ √‘¡æ—≤π“∏ÿ√°‘®°“√ ª√–°—π™’«‘μ „À⇮√‘≠°â“«Àπâ“Õ¬à“ß¡—Ëπ§ß·≈–μàÕ‡π◊ËÕß „À⇪ìπ ∑’ˇ™◊ËÕ∂◊Õ»√—∑∏“¢Õߪ√–™“™π ¡’ª√– ‘∑∏‘¿“æ·≈–¢’¥§«“¡  “¡“√∂„π°“√·¢àߢ—π„πμ≈“¥‚≈°‰¥â 2. ‡ªìπμ—«·∑π„π°“√ª°ªÑÕß√—°…“º≈ª√–‚¬™πå¢ÕߺŸâ ‡Õ“ª√–°—π¿—¬ ·≈–¢Õß∫√‘…—∑ª√–°—π™’«‘μ À√◊ÕºŸâª√–°Õ∫ ∏ÿ√°‘®∑’ˇ°’ˬ«¢âÕß°—∫°“√ª√–°—π™’«‘μ μ‘¥μ“¡·≈–º≈—°¥—π æ—≤π“°“√μà“ß Ê „π∑“ߥâ“π°ÆÀ¡“¬ ∑’ËÕ“®®–¡’º≈°√–∑∫ μàÕº≈ª√–‚¬™πå¢ÕߺŸâ‡Õ“ª√–°—π¿—¬ ·≈–¢Õß∫√‘…—∑ ¡“™‘° ª√– “πß“π·≈–„À⧫“¡√à«¡¡◊Õ°—∫√—∞∫“≈ μ≈Õ¥®π‡ πÕ §«“¡§‘¥‡ÀÁπ·≈–¢âÕ‡ πÕ·π–μàÕ¿“§√“™°“√ ·≈–Õߧå°√∑’Ë ‡°’ˬ«¢âÕß ‡æ◊ËÕæ—≤π“°‘®°“√ª√–°—π™’«‘μ„À⇮√‘≠°â“«Àπâ“ 3.  π—∫ πÿπ·≈– à߇ √‘¡„Àâ¿“§∏ÿ√°‘®ª√–°—π™’«‘μ¡’°“√ §«∫§ÿ¡¥Ÿ·≈°—π‡Õß (Self Regulation) „Àâ¡“°¬‘Ëߢ÷Èπ æ—≤π“√Ÿª ·∫∫°“√¥”‡π‘π°“√ ·≈–°“√ªØ‘∫—μ‘¢Õß∏ÿ√°‘® ¿“¬„π¢Õ∫‡¢μ ¢Õß°ÆÀ¡“¬ ·≈–À≈— ° °“√ª√–°— π ™’ « ‘ μ ®— ¥ ∑”¡“μ√∞“π ®√√¬“∫√√≥°“√ªØ‘∫—μ‘ß“π ·≈–¥Ÿ·≈„À⇪ìπ‰ªμ“¡®√√¬“ ∫√√≥¥—ß°≈à“« ‡æ◊ËÕ„Àâ∏ÿ√°‘®ª√–°—π™’«‘μ¥”‡π‘π‰ªÕ¬à“ß¡’ √–‡∫’¬∫·∫∫·ºπ ·≈–Õ¬Ÿà„𧫓¡‡™◊ËÕ∂◊Õ¢Õߪ√–™“™π 4.  à߇ √‘¡§«“¡°â“«Àπâ“∑“ß«‘™“°“√∑’ˇ°’ˬ«¢âÕß°—∫°“√ ª√–°—π™’«‘μ √«¡∑—Èß à߇ √‘¡°“√§âπ§«â“ «‘®—¬ æ—≤π“ μ”√“∑’Ë ‡°’ˬ«°—∫°“√‡√’¬π°“√ Õπ«‘™“°“√ª√–°—π™’«‘μ ‡æ◊ËÕæ—≤π“ ∏ÿ√°‘®ª√–°—π™’«‘μ„πª√–‡∑»‰∑¬„À⇮√‘≠°â“«Àπâ“∑—¥‡∑’¬¡ Õ“√¬ª√–‡∑» 5. ª√–™“ —¡æ—π∏å„Àâª√–™“™π∑—Ë«‰ªμ√–Àπ—° ‡¢â“„® ·≈–‡ÀÁπ§ÿ≥ª√–‚¬™πå¢Õß°“√ª√–°—π™’«‘μ¡“°¬‘Ëߢ÷Èπ 6. ª√– “𧫓¡√à«¡¡◊Õ °“√·≈°‡ª≈’ˬπ¢âÕ¡Ÿ≈ ∂‘μ‘ ·≈–¢à“« “√μà“ß Ê °—∫ ¡“§¡  ∂“∫—π ·≈–Õߧå°√Õ◊Ëπ Ê ∑’Ë ‡°’ˬ«¢âÕß°—∫∏ÿ√°‘®ª√–°—π™’«‘μ∑—Èß„π ·≈–μà“ߪ√–‡∑» 7.  à߇ √‘¡§«“¡ “¡—§§’ §«“¡√à«¡¡◊Õ ·≈–°“√·≈° ‡ª≈’Ë¬π§«“¡§‘¥‡ÀÁπ√–À«à“ß ¡“™‘° ªí ® ®ÿ ∫— π π’È  ¡“§¡ ¡’   ¡“™‘ ° 25 ∫√‘ …— ∑ (√«¡ ∫√‘…∑— ‰∑¬√’ª√–°—π™’«‘μ ®”°—¥)

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√“¬ß“πª√–®”ªï 2549  ¡“§¡ª√–°—π™’«‘μ‰∑¬

2. To perform activities aimed at protecting the interests of agents, and beneficial to policyholders and life insurance companies, help update development of law that affect the insured and life insurance companies; coordinate and cooperate with government as well as offer opinions and suggestions to related officials and institutions for the progress of life insurance in general. 3. To develop sound practices in the life insurance industry, to produce standard conventions for performing tasks and help members to perform and stop performing actions in accordance with right rules and regulations; and to develop sound ethics in the industry. 4. To promote study and academic research, encourage surveys concerning sound practices associated with life insurance industry and instill confidence in life insurance as a predominant vehicle for canalizing peopleûs savings and finance. 5. To undertake different activities and provide information to consumers and life insurance industry and general activities to promote right, fair practices and operations in the life insurance industry for the insurerûs benefit. 6. To promote education i.e. support and coordinate with educational institutions learning of insurance at all levels of education; to develop education courses, produce text books related to learning and teaching in life insurance, printing different documents associated with development of advanced learning of life insurance industry. 7. Public relations for life insurance industry so that general population can understand and appreciate the uses of life insurance. 8. Such other activities as can be useful to help secure a good image for life insurance industry as a whole and to achieve the purposes of Thai Life Assurance Association. At present, The Association has 25 member companies (includes Thaire Life assurance Co., Ltd.)



annual report 2006