tlaa annual report 2008 by Niedlich Schwein

ÇÔÊÑÂ·ÑÈ¹

Visions

“ÊÁÒ¤Á»ÃÐ¡Ñ¹ªÕÇÔμä·Â ÁÕº·ºÒ·ÁÒ¡¢Öé¹ã¹¡ÒÃ·ÓË¹ŒÒ·Õè ¡Ó¡Ñº´ÙáÅºÃÔÉÑ·ÊÁÒªÔ¡ãËŒÊÒÁÒÃ¶´ÙáÅ¡Ñ¹àÍ§ä´Œ μÅÍ´¨¹ à»š¹ÈÙ¹Â ¡ÅÒ§ã¹¡ÒÃ¾Ñ²¹ÒáÅÐÊ‹§àÊÃÔÁ¸ØÃ¡Ô¨»ÃÐ¡Ñ¹ªÕÇÔμ ãËŒÊÒÁÒÃ¶´Óà¹Ô¹§Ò¹ÍÂ‹Ò§ÁÕ»ÃÐÊÔ·¸ÔÀÒ¾ áÅÐ¡ÒÃàμÔºâμ ÃÇÁ·Ñé§¡ÒÃ¾Ñ²¹Ò¢Õ´¤ÇÒÁÊÒÁÒÃ¶ã¹¡ÒÃá¢‹§¢Ñ¹ ´ŒÇÂ¡ÒÃ ¾Ñ²¹Ò¤Ø³ÀÒ¾ã¹¡ÒÃ´Óà¹Ô¹§Ò¹¢Í§¸ØÃ¡Ô¨ ¡ÒÃ»¡»‡Í§ ¼Å»ÃÐâÂª¹ ¢Í§ºÃÔÉÑ·»ÃÐ¡Ñ¹ªÕÇÔμ áÅÐ¼ÙŒàÍÒ»ÃÐ¡Ñ¹ÀÑÂ”

TLAA will increase its role in promoting member companies to be self-regulated and in acting as a central body to develop and promote life insurance industy. It will promote eﬃciency, business growth and competitiveness of the business through programs that enhance the effectiveness of business operation and protect the interest of the life insurance companies and the insured.

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Missions

ÊÁÒ¤Á»ÃÐ¡Ñ¹ªÕÇÔμä·Âà»š¹Í§¤ ¡ÃËÅÑ¡¢Í§¼ÙŒ»ÃÐ¡Íº¸ØÃ¡Ô¨ »ÃÐ¡Ñ¹ªÕÇÔμ áÅÐ¡ÅØ‹ÁÇÔªÒªÕ¾·Õèà¡ÕèÂÇ¢ŒÍ§ ´ŒÇÂ¡ÒÃÊ‹§àÊÃÔÁ ãËŒÁÕ¡ÒÃºÙÃ³Ò¡ÒÃ·Ò§¤ÇÒÁ¤Ô´ÍÂ‹Ò§ã¡ÅŒªÔ´áÅÐà¡×éÍ¡ÙÅ «Öè§¡Ñ¹áÅÐ¡Ñ¹ ¾ÃŒÍÁ·Ñé§à»š¹μÑÇá·¹¢Í§¼ÙŒ»ÃÐ¡Íº¡ÒÃã¹¡ÒÃ »ÃÐÊÒ¹§Ò¹¡ÑºÀÒ¤ÃÑ°áÅÐÍ§¤ ¡ÃÍ×è¹ ãËŒÊÒÁÒÃ¶´Óà¹Ô¹ ¸ØÃ¡Ô¨´ŒÇÂ¤ÇÒÁá¢ç§á¡Ã‹§¶Ù¡μŒÍ§áÅÐμÃÇ¨ÊÍºä´ŒμÒÁËÅÑ¡ ¸ÃÃÁÒÀÔºÒÅ ÁÕ¡ÒÃ¾Ô¨ÒÃ³ÒμÔ´μÒÁ á¡Œä¢ »ÃÑº»ÃØ§ ¡® ÃÐàºÕÂº ·Õèà¡ÕèÂÇ¢ŒÍ§¡Ñº¸ØÃ¡Ô¨»ÃÐ¡Ñ¹ªÕÇÔμãËŒÊÍ´¤ÅŒÍ§¡Ñº¡ÒÃ à»ÅÕèÂ¹á»Å§¢Í§Ê¶Ò¹¡ÒÃ³ ¾ÃŒÍÁ·Ñé§»ÃÐªÒÊÑÁ¾Ñ¹¸ à¼Âá¾Ã‹ ¤ ÇÒÁÃÙ Œ ¤ ÇÒÁà¢Œ Òã¨´Œ Ò ¹¡ÒÃ»ÃÐ¡Ñ ¹ ªÕ Ç Ô μãËŒ ¡ Ñ º »ÃÐªÒª¹·ÑèÇä»ä´ŒàËç¹¤Ø³¤‹ÒáÅÐ»ÃÐâÂª¹ ¢Í§¡ÒÃ»ÃÐ¡Ñ¹ ªÕÇÔμÁÒ¡ÂÔè§¢Öé¹

TLAA is the central body of life insurance business operators and related professional groups. It promotes the integrations of ideas and acts on behalf of the business operators in coordinating with government agencies and related professional groups in order to ensure that they operate their business with strength and under an acceptable standard of good governance. TLAA will also involve in the following up and improvement of rules and regulations in accordance with changing business environment as well as the efforts to educate the public on the beneﬁts of life insurance.

ÃÒ§ÇÑÅÊÁÒ ÊÁÒ¤Á¡ÒÃ ÊÁÒ¤Á¡ÒÃ¤Œ ¡ÒÃ¤ŒÒ´Õà´‹¹ »Ã »ÃÐ¨Ó»‚ 2549 ÃÒ§ÇÑÅÊÁÒ¤Á¡ÒÃ¤ŒÒ´Õà´‹¹ »ÃÐ¨Ó»‚ 2550

Contents

02 04 06 08 10 49 50 52 53 61 87 89

“√®“°π“¬° ¡“§¡ª√–°—π™’«‘μ‰∑¬ Message from TLAA President §≥–°√√¡°“√∫√‘À“√ ¡“§¡ª√–°—π™’«‘μ‰∑¬ Executive Board §≥–°√√¡°“√ ¡“§¡ª√–°—π™’«‘μ‰∑¬ Board of Directors ·ºπ¿Ÿ¡‘°“√∫√‘À“√ß“π ¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association Organization Chart °‘®°√√¡„π√Õ∫ªï 2550-2551 Activities Implemented by TLAA 2007-2008 √“¬ß“π¢ÕßºŸâ Õ∫∫—≠™’√—∫Õπÿ≠“μ Report of the Certified Auditor ß∫¥ÿ≈ Balance Sheet ß∫√“¬‰¥â-§à“„™â®à“¬ Statement of Income and Expenditure À¡“¬‡Àμÿª√–°Õ∫ß∫°“√‡ß‘π Financial Statements ¿“æ√«¡∏ÿ√°‘®ª√–°—π™’«‘μ ªï 2550-2551 Overview of Life Insurance Business 2007-2008 ª√–«—μ‘ ¡“§¡ª√–°—π™’«‘μ‰∑¬ History of The Thai Life Assurance Association ¡“™‘° ¡“§¡ª√–°—π™’«‘μ‰∑¬ Members of The Thai Life Assurance Association

„πªï 2550 ∂÷ß·¡â«à“‡»√…∞°‘®¢Õßª√–‡∑»μà“ßÊ ∑—Ë«‚≈°®–∂Ÿ°º≈°√–∑∫®“°ªí®®—¬°“√ª√—∫√“§“πÈ”¡—π∑’Ë Ÿß¢÷Èπ √«¡‰ª∂÷ß«‘°ƒμ‘´—∫‰æ√å¡¢ÕßÕ‡¡√‘°“ ·μà ”À√—∫ª√–‡∑»‰∑¬ ∂÷ß·¡â«à“®–‰¥â√—∫º≈°√–∑∫®“°ªí®®—¬À≈“¬¥â“π ‰¥â·°à √“§“πÈ”¡—π¥‘∫∑’Ë¡’§«“¡º—πº«π °“√‡¡◊Õß¡’∫√√¬“°“»∑’Ë‰¡à·®à¡„ ·μà¿“«–‡»√…∞°‘®‰∑¬¬—ß¡’‡ ∂’¬√¿“æ∑’Ë¥’ ‚¥¬ ‡»√…∞°‘®μ≈Õ¥∑—Èßªï¡’°“√¢¬“¬μ—«¢Õß GDP Õ¬Ÿà∑’Ë 4.9% ”À√—∫∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ªï 2550 ¡’‡∫’È¬ª√–°—π¿—¬√—∫‚¥¬μ√ß√«¡®”π«π 201,942 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ®“° ‘Èπªï°àÕπ√âÕ¬≈– 16.4 ªí®®—¬∫«°∑’Ë àßº≈„Àâ∏ÿ√°‘®ª√–°—π™’«‘μ¡’Õ—μ√“°“√‡μ‘∫‚μ∑’Ë¥’ ‡π◊ËÕß¡“®“°π‚¬∫“¬‡»√…∞°‘® æÕ‡æ’¬ß∑’Ë∑”„Àâª√–™“™πÀ—π¡“‡°Á∫ÕÕ¡‡ß‘π„π√Ÿª·∫∫μà“ßÊ ‡æ‘Ë¡¡“°¢÷Èπ ‰¡à«à“®–‡ªìπ°“√Ω“°∏π“§“√ °“√≈ß∑ÿπ„π °Õß∑ÿπμà“ßÊ √«¡∂÷ß°“√´◊ÈÕª√–°—π™’«‘μ ª√–°Õ∫°—∫∑’Ë∫√‘…—∑ª√–°—π™’«‘μ‡Õß‰¥â¡’°“√æ—≤π“™àÕß∑“ß°“√®”Àπà“¬„Àâ¡’ ª√– ‘∑∏‘¿“æ¡“°¢÷Èπ ‰¡à«à“®–‡ªìπ°“√¢“¬ºà“πμ—«·∑πª√–°—π™’«‘μ °“√¢“¬ºà“π∏π“§“√æ“≥‘™¬å ·≈–°“√¢“¬ºà“π ∑“ß‚∑√»—æ∑å ‡ªìπμâπ ¢≥–π’È™àÕß∑“ß°“√ ®”Àπà“¬ºà“πμ—«·∑πª√–°—π™’«‘μ ¡’ —¥ à«π ªí®®—¬∫«°∑’Ë àßº≈„Àâ∏ÿ√°‘®ª√–°—π™’«‘μ¡’Õ—μ√“°“√‡μ‘∫‚μ ¢Õß‡∫’È¬ª√–°—π¿—¬√—∫ªï·√° Ÿß‡ªìπÕ—π¥—∫ Àπ÷Ëß®”π«π 23,114 ≈â“π∫“∑ À√◊Õ§‘¥‡ªìπ ∑’Ë¥’ ‡π◊ËÕß¡“®“°π‚¬∫“¬‡»√…∞°‘®æÕ‡æ’¬ß∑’Ë∑”„Àâª√–™“™π —¥ à«π√âÕ¬≈– 65.07 ·≈–°“√¢“¬ºà“π ∏π“§“√¡’‡∫’È¬ª√–°—π¿—¬√—∫ªï·√° Ÿß‡ªìπ À—π¡“‡°Á∫ÕÕ¡‡ß‘π„π√Ÿª·∫∫μà“ßÊ ‡æ‘Ë¡¡“°¢÷Èπ Õ—π¥—∫ Õß®”π«π 9,982 ≈â“π∫“∑ §‘¥‡ªìπ —¥ à«π√âÕ¬≈– 28.10 Õ¬à“ß‰√°Áμ“¡ ®“°º≈¢Õß°“√∑’Ë∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ ¡’Õ—μ√“°“√‡μ‘∫‚μÕ¬à“ßμàÕ‡π◊ËÕßπ—Èπ ‡π◊ËÕß¡“®“°°“√„Àâ §«“¡√à«¡¡◊Õ®“°∫ÿ§≈“°√¢Õß∏ÿ√°‘®ª√–°—π™’«‘μÀ≈“¬ΩÉ“¬ „π°“√· ¥ß§«“¡‡ÀÁπ·≈–¢âÕ‡ πÕ·π–∑’Ë‡ªìπª√–‚¬™πå „π°“√æ—≤π“∏ÿ√°‘®ª√–°—π™’«‘μ ¥â«¬°“√· ¥ß§«“¡‡ÀÁπμàÕ°“√·°â‰¢ª√—∫ª√ÿß·≈–æ—≤π“°Æ√–‡∫’¬∫¢âÕ∫—ß§—∫μà“ßÊ ¢Õß¿“§√—∞„Àâ¡’§«“¡‡À¡“– ¡ “¡“√∂ªØ‘∫—μ‘μ“¡‰¥â √«¡∑—Èß°“√‡¢â“√à«¡‡ªìπ§≥–∑”ß“πμà“ßÊ ‡æ◊ËÕ√à«¡°—π®—¥∑” §Ÿà¡◊ÕÀ√◊Õ√–‡∫’¬∫ªØ‘∫—μ‘μà“ßÊ ∑’Ë‡Õ◊ÈÕÕ”π«¬μàÕ°“√¥”‡π‘π∏ÿ√°‘®ª√–°—π™’«‘μ ®π àßº≈„Àâ∏ÿ√°‘®¡’Õ—μ√“°“√‡μ‘∫‚μÕ¬à“ß μàÕ‡π◊ËÕß‡ ¡Õ¡“ ∂÷ß·¡â«à“®–‰¥â√—∫º≈°√–∑∫®“°¿“«–‡»√…∞°‘®·≈–°“√‡¡◊Õß‚¥¬√«¡°Áμ“¡ ÿ¥∑â“¬π’È º¡¢Õ¢Õ∫§ÿ≥∑à“π∑’Ë‡°’Ë¬«¢âÕß ∑’Ë‰¥â„Àâ§«“¡√à«¡¡◊Õ°—∫ ¡“§¡ „π°“√„Àâ¢âÕ‡ πÕ·π–‡°’Ë¬«°—∫ ·π«∑“ß°“√·°â‰¢ªí≠À“·≈–·π«∑“ß°“√æ—≤π“∏ÿ√°‘®ª√–°—π™’«‘μ „π∑ÿ°Ê ¥â“π¥â«¬¥’μ≈Õ¥¡“„π√–¬–‡«≈“ 1 ªï ´÷ßË ¢âÕ‡ πÕ·π–¥—ß°≈à“«π—πÈ ¡’ «à π™à«¬æ—≤π“∏ÿ√°‘®ª√–°—π™’«‘μ„Àâ‡®√‘≠√ÿßà ‡√◊Õß¬‘ßË ¢÷πÈ ·≈–À«—ß‡ªìπÕ¬à“ß¬‘ßË «à“ ®–‰¥â√∫— §«“¡√à«¡¡◊Õ®“°∑à“π∑—ÈßÀ≈“¬ ∑’Ë°≈à“«¡“¢â“ßμâπ„π‚Õ°“ μàÕ‰ª

(π“¬ “√– ≈Ë”´”) π“¬° ¡“§¡ª√–°—π™’«‘μ

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

Message From TLAA President

Although, Thai economy in 2007 was affected by several negative factors such as the US sub-prime crisis, high oil price and domestic political unrest, the GDP of the country remained at a stable growth rate of 4.9%.

Positive factors attributed to this increase included the promotion of selfsufficient economy that stimulated public savings through bank deposit.

Despite the slowdown in economy, life insurance business in Thailand still saw a gross direct premium income of 201,942 million Baht or an increase of 16.4% from that in the previous year. Positive factors attributed to this increase included the promotion of selfsufficient economy that stimulated public savings through bank deposit, investments in securities market and life insurance. Meanwhile, life insurance, themselves, have focused their efforts on improving or developing distribution channels such as agency, Bancassurance and tele-marketing. The agency channel remains the leading income earner with the first year premium income of 23,114 million Baht or 65.07% of total income while first year premium from Bancassurance came in second at 9,982 million Baht or 28.10% of total first year premium. The continuing growth of life insurance business was also the result of a close cooperation from all parties in the industry who actively involved in providing constructive and beneficial views and recommendations for the development of the business and governmentûs rules and regulations. Before any new regulation is implemented, the regulating agency and the industry always worked together through working groups or committees to prepare regulating guidelines that are practical and acceptable to both parties. I would like to extend my sincere thanks to everyone who have rendered supports and cooperation to the works of TLAA in the past year. Your views and recommendations on how to cope with our challenges or to further develop the industry have contributed to the continuing expansion of our business. I hope to receive the same support and cooperation from everyone in the years to come. Thank you.

(Mr. Sara Lamsam) President

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

ª√–®”ªï∫√‘À“√ 1 °√°Æ“§¡ 2550 - 30 ¡‘∂ÿπ“¬π 2551

π“¬ “√– ≈Ë”´” Mr.Sara Lamsam π“¬° ¡“§¡ª√–°—π™’«‘μ‰∑¬ President

π“¬°‘μμ‘ º“ ÿ¢¥’ Mr.Kitti Phasukdee

π“ß ÿ°—≠≠“ ∑Õß™◊Ëπ®‘μμå Mrs.Sugunya Tongchoenchit

π“¬´’ ‚¥πÕ≈¥å §“√å¥’π Mr.C. Donald Carden

Õÿªπ“¬°ΩÉ“¬∫√‘À“√ Vice President (Administration)

Õÿªπ“¬°ΩÉ“¬«‘™“°“√ Vice President (Technical)

Õÿªπ“¬°ΩÉ“¬°“√μ≈“¥ Vice President (Marketing)

π“¬æ’√–æß»å Õÿàπ®‘μμå Mr.Pherapong Unchit

¥√.™“μ‘™—¬ æ“√“ ÿ¢ Dr.Chartchai Parasuk

‡≈¢“∏‘°“√ Secretary General

‡À√—≠≠‘° Treasurer

π™’«‘μ‰∑¬ 4 ¡“§¡ª√–°— The Thai Life Assurance Association

Executive Board July 1, 2007 - June 30, 2008

¥√.Õ¿‘√—°…å ‰∑æ—≤π°ÿ≈ Dr.Apirak Thaipatanakul °√√¡°“√∫√‘À“√ Director

π“¬™“≠ «√√∏π–°ÿ≈ Mr.Chan Vathanakul °√√¡°“√∫√‘À“√ Director

π“¬ ÿ∑∏‘ √®‘μ√—ß √√§å Mr.Sutti Rajitrangson °√√¡°“√∫√‘À“√ Director

π“¬«’√«ÿ≤‘ Õ— °ÿ≈ Mr.Viravudh Assakul °√√¡°“√∫√‘À“√ Director

π“ß∫ÿ…√“ Õ÷Íß¿“°√≥å Mrs.Busara Ungphakorn ºŸâÕ”π«¬°“√·≈–‡≈¢“πÿ°“√ Secretary

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

π“¬√“‡®™ ‡ ∞∞’ Mr.Rajesh Sethi °√√¡°“√∫√‘À“√ Director

ª√–®”ªï∫√‘À“√ 1 °√°Æ“§¡ 2550 - 30 ¡‘∂ÿπ“¬π 2551

π“¬ “√– ≈Ë”´” Mr.Sara Lamsam π“¬° ¡“§¡ª√–°—π™’«‘μ‰∑¬ President

π“¬°‘μμ‘ º“ ÿ¢¥’ Mr.Kitti Phasukdee

π“ß ÿ°—≠≠“ ∑Õß™◊Ëπ®‘μμå Mrs.Sugunya Tongchoenchit

π“¬´’ ‚¥πÕ≈¥å §“√å¥’π Mr.C. Donald Carden

Õÿªπ“¬°ΩÉ“¬∫√‘À“√ Vice President (Administration)

Õÿªπ“¬°ΩÉ“¬«‘™“°“√ Vice President (Technical)

Õÿªπ“¬°ΩÉ“¬°“√μ≈“¥ Vice President (Marketing)

π“¬æ’√–æß»å Õÿàπ®‘μμå Mr.Pherapong Unchit

¥√.™“μ‘™—¬ æ“√“ ÿ¢ Dr.Chartchai Parasuk

‡≈¢“∏‘°“√ Secretary General

‡À√—≠≠‘° Treasurer

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

Board of Directors July 1, 2007 - June 30, 2008

¥√.Õ¿‘√—°…å ‰∑æ—≤π°ÿ≈ Dr.Apirak Thaipatanakul

π“¬ ÿ«—≤πå ™Ÿ§√ÿ«ß»å Mr.Suvat Chookruvong

π“¬‰¡‡§‘≈ ®Õ√å® ·æ≈ä°´åμ—π Mr.Michael George Plaxton

°√√¡°“√ / Director

π“¬ ÿ∑∏‘ √®‘μ√—ß √√§å Mr.Sutti Rajitrangson

π“¬∫√Ÿ ŒÁÕ¥‡® Mr.Bruce Murray Hodges

π“¬Œ‘‚√™‘ ∑“‡∑Õ‘™‘ Mr.Hiroshi Tateishi

°√√¡°“√ / Director

π“¬™“≠ «√√∏π–°ÿ≈ Mr.Chan Vathanakul

π“¬‡∑Á¥ ´’. √‘¥®å‡«¬å Mr.Ted C. Ridgway

¥√.™«‘π ‡Õ’Ë¬¡‚ ¿≥“ Dr.Chavin Iamsopana

°√√¡°“√ / Director

π“¬«’√«ÿ≤‘ Õ— °ÿ≈ Mr.Viravudh Assakul

π“¬«‘»‘…Æå μ—ß§π—ßπÿ°Ÿ≈ Mr.Visidh Tangkanangnukul

π“¬√‘™“√å¥ ·Õπ¥√Ÿ ª√‘ß§å Mr.Richard Andrew Spring

°√√¡°“√ / Director

π“¬√“‡®™ ‡ ∞∞’ Mr.Rajesh Sethi

π“¬π¿¥≈ «“π‘™ —πμå Mr.Nophadol Vanichsunt

π“¬ ÿ√™—¬ »‘√‘«—≈≈¿ Mr.Surachai Sirivallop

°√√¡°“√ / Director

π“¬¡πμ√’ · ßÕÿ‰√æ√ Mr.Montri Seang-Uraiporn

π“¬§‘¡ ·¥ ®ÿπ Mr.Kim Dae Jun

π“¬‰μ√√—μπå ¥”‡π‘π™“≠«π‘™¬å Mr.Trirat Dumnerncharnvanit

°√√¡°“√ / Director

π“ß∫ÿ…√“ Õ÷Íß¿“°√≥å Mrs.Busara Ungphakorn ºŸâÕ”π«¬°“√·≈–‡≈¢“πÿ°“√ / Secretary

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

∫√‘…—∑ ¡“™‘° Member Companies

§≥–°√√¡°“√ ¡“§¡ Board of Directors

§≥–°√√¡°“√∫√‘À“√ ¡“§¡ Executive Board

π“ß∫ÿ…√“ Õ÷Íß¿“°√≥å Mrs.Busara Ungphakorn ºŸâÕ”π«¬°“√ Director

π“¬æ‘™“ ‘√‘‚¬∏‘π Mr.Picha Siriyodhin ºŸâ™à«¬ºŸâÕ”π«¬°“√ Assistant Director

π“¬ ÿ√»—°¥‘Ï ‡®√‘≠‚≈àÀå∑Õß¥’ Mr.Surasak Charoenlotongdee ºŸâ™à«¬ºŸâÕ”π«¬°“√ Assistant Director

π“ß¬ÿ¿“¿√≥å °’√μ‘æ‘∑¬“¿√≥å Mrs.Yupaporn Keeratipitayaporn ºŸâ™à«¬ºŸâÕ”π«¬°“√ Assistant Director

ΩÉ“¬¢âÕ¡Ÿ≈‡æ◊ËÕ°“√æ—≤π“∏ÿ√°‘®

ΩÉ“¬ª√– “πß“π·≈–§«“¡√à«¡¡◊Õ

ΩÉ“¬μ—«·∑π —¡æ—π∏å

Industry Development Department

Cooperation & Coordination Department

Agent Affairs Department

ΩÉ“¬«“ß·ºπ¬ÿ∑∏»“ μ√å

ΩÉ“¬ª√–™“ —¡æ—π∏å

ΩÉ“¬∏ÿ√°“√·≈–°“√æπ—°ß“π

Strategic Department

Public Relations Department

Administration Department

ΩÉ“¬∫—≠™’·≈–°“√‡ß‘π Accounting & Financial Department

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

The Thai Life Assurance Association Organization Chart §≥–Õπÿ°√√¡°“√§≥‘μ»“ μ√åª√–°—π¿—¬ Actuarial Sub-Committee

§≥–Õπÿ°√√¡°“√æ‘®“√≥“√—∫ª√–°—π¿—¬ Underwriting Sub-Committee

§≥–Õπÿ°√√¡°“√Ωñ°Õ∫√¡·≈–æ—≤π“μ—«·∑πª√–°—π™’«‘μ

§≥–Õπÿ°√√¡°“√

Agent Training and Development Sub-Committee

Sub-Committee

§≥–Õπÿ°√√¡°“√ àß‡ √‘¡§ÿ≥¿“æμ—«·∑π Agent Quality Promotion Sub-Committee

§≥–Õπÿ°√√¡°“√ª√–°—π¿—¬°≈ÿà¡

Group Life Insurance Sub-Committee

§≥–·æ∑¬å∑’Ëª√÷°…“

Medical Advisory Sub-Committee

§≥–Õπÿ°√√¡°“√√–∫∫∫—≠™’·≈–¿“…’ Accounting and Tax Sub-Committee

§≥–Õπÿ°√√¡°“√ ‘π‰À¡ª√–°—π™’«‘μ Claims Sub-Committee

§≥–Õπÿ°√√¡°“√°ÆÀ¡“¬ Legal Sub-Committee

§≥–Õπÿ°√√¡°“√ª√–™“ —¡æ—π∏å Public Relations Sub-Committee

§≥–Õπÿ°√√¡°“√≈ß∑ÿπ

Investment Sub-Committee

§≥–Õπÿ°√√¡°“√°“√μ≈“¥·∫∫μ√ß Direct Marketing Sub-Committee

§≥–Õπÿ°√√¡°“√ª√–°—π™’«‘μ∏π°‘® Bancassurance Sub-Committee

§≥–Õπÿ°√√¡°“√‡∑§‚π‚≈¬’ “√ π‡∑» Information Technology Sub-Committee

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

Activities Implemented by TLAA During 2007 - 2008

°‘ ® °√√¡¢Õß ¡“§¡ª√–°— π ™’ «‘ μ ‰∑¬„π√Õ∫ªï ∫ √‘ À “√ 1 °√°Æ“§¡ 2550 - 30 ¡‘∂ÿπ“¬π 2551 ‰¥â¡’°“√ àß‡ √‘¡ π— ∫ πÿ π √à « ¡°— ∫ Õß§å ° √¿“¬πÕ°·≈–°— ∫ ∫√‘ …— ∑ ¡“™‘ ° „π ∑ÿ°¥â“π Õ—π‡°’Ë¬«‡π◊ËÕß‡æ◊ËÕ°“√æ—≤π“∏ÿ√°‘®ª√–°—π™’«‘μ‚¥¬ à«π√«¡ ´÷Ëß¡’√“¬≈–‡Õ’¬¥¥—ßμàÕ‰ªπ’È

During 2007-2008, TLAA implemented the following activities with member companies and other agencies:

1. °“√·μàßμ—Èß·≈–¡Õ∫À¡“¬ºŸâ·∑π ¡“§¡‡¢â“√à«¡°‘®°√√¡°—∫Õß§å°√¿“¬πÕ° Appointment and Assignment of TLAA Representatives to Join Activities with Other Agencies: 1.1 ¿“π‘μ‘∫—≠≠—μ‘·Ààß™“μ‘ ( π™.) ‰¥â¡’§” —Ëß·μàßμ—Èß„Àâπ“¬ “√– ≈Ë”´” π“¬° ¡“§¡ª√–°—π™’«μ‘ ‰∑¬ ‡¢â“√à«¡‡ªìπ§≥–°√√¡“∏‘°“√«‘ “¡—≠ ‡æ◊ÕË æ‘®“√≥“ √à“ßæ√–√“™∫—≠≠—μ‘ª√–°—π™’«‘μ (©∫—∫∑’Ë...) æ.».... The National Legislation Assembly issued an order to appoint Mr. Sara Lamsam, TLAA President as member of the Ad Hoc Committee on New Life Insurance Act Drafting. 1.2 ”π—°ß“π§≥–°√√¡°“√°“√»÷°…“¢—Èπæ◊Èπ∞“π ‰¥â¡’§” —Ëß·μàßμ—Èß„Àâ π“¬ “√– ≈Ë”´” π“¬° ¡“§¡ª√–°—π™’«μ‘ ‰∑¬ ‡¢â“√à«¡‡ªìπ§≥–°√√¡°“√®—¥∑” ◊ÕË °“√‡√’¬π√Ÿâ “√–‡»√…∞»“ μ√å ™ÿ¥ ç‡ß‘π∑Õß ¢Õß¡’§à“é ∫Ÿ√≥“°“√μ“¡·π«∑“ß ª√—™≠“‡»√…∞°‘®æÕ‡æ’¬ß ‚¥¬‡™‘≠„Àâπ“¬° ¡“§¡ª√–°—π™’«‘μ‰∑¬‡ªìπ∑’Ëª√÷°…“ °“√®—¥∑” ◊ËÕ°“√‡√’¬π√Ÿâœ ‡æ◊ËÕ„™â‡ªìπ·π«∑“ß„Àâ§√Ÿπ”‰ª„™â‡ªìπ§Ÿà¡◊Õ°“√®—¥ °‘®°√√¡°“√‡√’¬π√Ÿâ·≈–π”‰ªª√–¬ÿ°μå„™â°—∫™’«‘μª√–®”«—π The Office of the Basic Education Commission issued an order to appoint Mr. Sara Lamsam, TLAA President as member of a committee that supervises the publication of a series of school books entitled çMoney Is a Valuable Thingé that integrated çSufficiency Economyé concept. The books will be used as teaching guidelines for teachers and for anyone to apply them into their daily life.

1.3 π“¬ “√– ≈Ë”´” π“¬° ¡“§¡ª√–°—π™’«‘μ‰∑¬ ‡¢â“√à«¡ ª√–™ÿ ¡ ‡æ◊ Ë Õ „Àâ § «“¡‡ÀÁ π ª√–°Õ∫°“√®— ¥ ∑”·ºπæ— ≤ π“√–∫∫ ∂“∫—π°“√‡ß‘π√–¬–∑’Ë 2 ‡¡◊ËÕ«—π∑’Ë 10 °—π¬“¬π 2550 ≥ ∏π“§“√ ·Ààßª√–‡∑»‰∑¬ (∏ª∑.) ‚¥¬¡’«—μ∂ÿª√– ß§å‡æ◊ËÕ„Àâ°“√æ—≤π“ √–∫∫ ∂“∫—π°“√‡ß‘π¢Õßª√–‡∑»‡ªìπ‰ª„π∑‘»∑“ß∑’Ë∂Ÿ°μâÕß·≈– ‡°‘¥ª√–‚¬™πå Ÿß ÿ¥μàÕª√–‚¬™πå à«π√«¡ Mr. Sara Lamsam represented TLAA at a meeting to develop financial institutuions in the 2nd phase on September 10, 2007 at the Bank of Thailand (BOT). The purpose of the project is to set the right direction of financial institutions in Thailand and to maximize their benefits for the country.

1.4 π“¬ “√– ≈Ë”´” π“¬° ¡“§¡ª√–°—π™’«‘μ‰∑¬ ‰¥â‡¢â“ √à«¡ª√–™ÿ¡À“√◊Õ°—∫ ”π—°∫√‘À“√Àπ’È “∏“√≥– °√–∑√«ß°“√§≈—ß ‡¡◊ËÕ«—π»ÿ°√å∑’Ë 21 °—π¬“¬π 2550 ´÷Ëß‰¥â¡’°“√À“√◊Õ‡°’Ë¬«°—∫‡√◊ËÕß °“√ÕÕ°æ—π∏∫—μ√√—∞∫“≈√–¬–¬“«„Àâ°—∫∏ÿ√°‘®ª√–°—π™’«‘μ ‡æ◊ËÕ √–¥¡‡ß‘π∑ÿπ ”À√—∫„™â„π‚§√ß°“√‡¡°–‚ª√‡®§μà“ßÊ ¢Õß√—∞∫“≈ Mr. Sara Lamsam, TLAA President attended a consultation meeting at the Office of Public Debt Administration, the Ministry of Finance to discuss the possibility that the government issue long-term treasury bonds especially for life insurance business in order to utilize the generated fund for the undertaking of infrastructure mega-projects on September 21, 2007.

1.5 ¡Õ∫À¡“¬ºŸâ·∑π ¡“§¡ª√–°—π™’«‘μ‰∑¬‰ª™’È·®ß°—∫°√¡ √√æ“°√ ‡°’Ë¬«°—∫«‘∏’°“√‡ ’¬¿“…’¢Õß°√¡∏√√¡åª√–°—π ÿ¢¿“æ ‡¡◊ËÕ«—π∑’Ë 25 °—π¬“¬π 2550 ≥ ÀâÕßª√–™ÿ¡™—Èπ 24 °√¡ √√æ“°√ ‡π◊ËÕß®“° ¡“§¡ª√–°—π«‘π“»¿—¬¢Õ„Àâ°√¡ √√æ“°√∑∫∑«π‡°’Ë¬«°—∫«‘∏’‡ ’¬¿“…’∑’Ë·μ°μà“ß°—π ”À√—∫°“√√—∫ª√–°—π ÿ¢¿“æ ¢Õß∏ÿ√°‘®ª√–°—π«‘π“»¿—¬·≈–∏ÿ√°‘®ª√–°—π™’«‘μ ‚¥¬∑’Ë°√¡∏√√¡åª√–°—π ÿ¢¿“æ∑’Ë ®”Àπà“¬‚¥¬∫√‘…—∑ª√–°—π«‘π“»¿—¬μâÕß‡ ’¬¿“…’¡Ÿ≈§à“‡æ‘Ë¡ ·μà°“√®”Àπà“¬‚¥¬ ∫√‘…—∑ª√–°—π™’«‘μ‰¥â√—∫°“√¬°‡«âπ¿“…’¡Ÿ≈§à“‡æ‘Ë¡ Representatives of TLAA were assigned to clarify an issue related to health insurance VAT at the Revenue Department on September 25, 2007. The Revenue Department set up the meeting after it received a request from the General Insurance Association to review the existing system of VAT on health insurance product. According to the current regulation, general insurers are required to pay VAT on health insurance products they sell while life insurers are not subject to such tax.

1.6 ¡Õ∫À¡“¬ºŸ·â ∑π°√√¡°“√∫√‘À“√ ¡“§¡®”π«π 6 ∑à“π ‡¢â“√à«¡ª√–™ÿ¡À“√◊Õ°—∫°√¡ √√æ“°√‡°’Ë¬«°—∫ª√–‡¥Áπ¿“…’∏ÿ√°‘® ª√–°—π™’«‘μ ‡¡◊ËÕ«—π∑’Ë 26 °—π¬“¬π 2550 ≥ ”π—°ß“π‡»√…∞°‘® °“√§≈—ß TLAA assigned 6 representatives to attend a meeting with the representatives from the Revenue Department to consult a tax-related issue at the Office of Economic Finance, the Ministry of Finance on September 26, 2007. 1.7 ¡Õ∫À¡“¬ºŸâ·∑π ¡“§¡‡¢â“ª√–™ÿ¡À“√◊Õ√à«¡°—∫ ¿“ ÀÕ°“√§â“‰∑¬ ¿“Õÿμ “À°√√¡ ·≈–°√¡ √√æ“°√ ‡¡◊ËÕ«—π∑’Ë 2 μÿ≈“§¡ 2550 ´÷Ëß¡’°“√®—¥ª√–™ÿ¡À“√◊Õ√à«¡°—π∑ÿ°Ê “¡‡¥◊Õπ TLAA assigned representatives to attend a quarterly consultation meeting with representatives the Thai Chamber of Commerce, the Industrial Council and the Revenue Department on October 2, 2007. 1.8 ¡Õ∫À¡“¬ºŸ·â ∑π‡¢â“√à«¡ª√–™ÿ¡ß“πª√–™ÿ¡ AIC §√—ßÈ ∑’Ë 33 ª√–®”ªï 2007 √–À«à“ß«—π∑’Ë 14-16 μÿ≈“§¡ 2550 ≥ ‚√ß·√¡ Prince Hotel & Residence Kuala Lumpur ª√–‡∑»¡“‡≈‡´’¬ TLAA appointed representatives to attend the 33rd AIC Conference 2007 between October 14-16, 2007 at the Prince Hotel & Residence Kuala Lumpur, Malaysia. 1.9 ·μàßμ—ßÈ π“¬ ÿ∑∏‘ √®‘μ√—ß √√§å ‡ªìπª√–∏“π§≥–°√√¡°“√ ®—¥ß“πª√–°—π™’«‘μ·Ààß™“μ‘ §√—Èß∑’Ë 9 ª√–®”ªï 2551 TLAA appointed Mr. Sutti Rajitrangson as the Chairman of the Organizing Committee of the 9th National Insurance Day 2008. 12

1.10 ¡Õ∫À¡“¬„Àâ π“ß∫ÿ…√“ Õ÷ßÍ ¿“°√≥å ºŸÕâ ”π«¬°“√ ¡“§¡ ª√–°— π ™’ « ‘ μ ‰∑¬ ‡ªì π ºŸ â · ∑π‡¢â “ · ¥ß§«“¡¬‘ π ¥’ · ≈–√— ∫ ∑√“∫ π‚¬∫“¬®“°ª≈—¥°√–∑√«ßæ“≥‘™¬å§π„À¡à §◊Õ π“¬»‘√‘æ≈ ¬Õ¥‡¡◊Õß‡®√‘≠ ·≈–Õ∏‘∫¥’°√¡°“√§â“¿“¬„π§π„À¡à §◊Õ π“¬¬√√¬ß æ«ß√“™ ‡¡◊ËÕ«—π∑’Ë 15 μÿ≈“§¡ 2550 Mrs. Busara Ungphakorn, TLAA Director was appointed as a representative of TLAA to congratulate and to obtain policy guidance from Mr. Siriphon Yodmuangcharoen, the new Permanent Secretary of Commerce and Mr. Yanyong Puangrad, the Director-General of Internal Trade Department, the Ministry of Commerce on October 15, 2007. 1.11 ¡Õ∫À¡“¬ºŸâ·∑π‡¢â“√à«¡ª√–™ÿ¡°—∫μ≈“¥À≈—°∑√—æ¬å ·Ààßª√–‡∑»‰∑¬ (μ≈∑.) ‡æ◊ËÕÀ“√◊Õ‡°’Ë¬«°—∫·π«∑“ß§«“¡√à«¡¡◊Õ ‡æ◊ËÕæ—≤π“∏ÿ√°‘®ª√–°—π¿—¬„πμ≈“¥∑ÿπ ‚¥¬¡’®ÿ¥ª√– ß§å‡æ◊ËÕ„Àâ ∏ÿ√°‘®ª√–°—π¿—¬∑—Èß∏ÿ√°‘®ª√–°—π™’«‘μ·≈–∏ÿ√°‘®ª√–°—π«‘π“»¿—¬‡¢â“ ¡“¡’ à«π√à«¡„π°“√æ—≤π“μ≈“¥∑ÿπ„Àâ¡“°¢÷Èπ TLAA assigned representatives to attend a meeting at the Securities and Exchange of Thailand to discuss a plan to jointly develop insurance business in securities market. 1.12 ¡Õ∫À¡“¬ºŸ·â ∑π‡¢â“√à«¡ª√–™ÿ¡°—∫§≥–°√√¡°“√ àß‡ √‘¡ °‘®°√√¡ ¡“§¡°“√§â“ ‡¡◊ËÕ«—π∑’Ë 8 μÿ≈“§¡ 2550 ‡æ◊ËÕÀ“√◊Õ‡√◊ËÕß °“√ª√–°«¥ ¡“§¡°“√§â“¥’‡¥àπ ª√–®”ªï 2550 TLAA assigned representatives to attend a meeting organized by Trade Associations Promotion Committee on October 8, 2007 to discuss the plan to enter the Best Trade Association Competition 2007.

Activities Implemented by TLAA During 2007 - 2008 1.13 ·μàßμ—Èß (1) π“ß “«∑—»π’¬å ∏√√¡æ‘æ‘∏ (2) πæ.‡∑Õ¥»—°¥‘Ï ‚√®πå ÿ√°‘μμ‘ ·≈– (3) æ≠.«“ π“ ª√–‡ √‘∞ ‘∑∏‘Ï ‡¢â“√à«¡‡ªìπ §≥–∑”ß“π¿“§’§«“¡√à«¡¡◊Õæ—≤π“√–∫∫°“√§‘¥§à“„™â®“à ¬„π°“√ √—°…“æ¬“∫“≈ (Standard Itemized Billing) ¢Õß ¡“§¡‚√ßæ¬“∫“≈ ‡Õ°™π TLAA appointed (1) Ms. Thassanee Dhammapipit (2) Dr. Terdsak Rojsurakitti, M.D. (3) Dr. Wassana Prasertsit, M.D., to be members of the Standard Itemized Billing Joint Working Group of the Private Hospitals Association.

1.14 ¡Õ∫À¡“¬„Àâπ“ß∫ÿ…√“ Õ÷ßÍ ¿“°√≥å ºŸÕâ ”π«¬°“√ ¡“§¡ ª√–°—π™’«‘μ‰∑¬ ‡¢â“√—∫√“ß«—≈ ¡“§¡°“√§â“¥’‡¥àπª√–®”ªï 2550 ´÷Ëß®—¥¢÷Èπ‚¥¬°√¡æ—≤π“∏ÿ√°‘®°“√§â“ °√–∑√«ßæ“≥‘™¬å ·≈– ¿“ ÀÕ°“√§â“·Ààßª√–‡∑»‰∑¬ ‡¡◊ËÕ«—π∑’Ë 29 μÿ≈“§¡ 2550 ≥ ÀâÕß «‘¿“«¥’∫Õ≈√Ÿ¡ ‚√ß·√¡‡´Áπ∑√—≈‚´øî‡∑≈ ·°√π¥å °√ÿß‡∑æœ TLAA assigned Mrs. Busara Ungphakorn, TLAA Director to receive the Outstanding Trade Association Award for 2007, presented by the Department of Business Development, the Ministry of Commerce and the Thai Chamber of Commerce on October 29, 2007 at the Vipavadee Ballroom, the Central Sofitel Grand Hotel, Bangkok.

1.16 ·μàßμ—ßÈ π“¬ ÿ∑∏‘ √®‘μ√—ß √√§å ‡ªìπºŸ·â ∑π ¡“§¡‡¢â“√à«¡ ‡ªìπ§≥–°√√¡°“√∫√‘À“√‚§√ß°“√ª√–°—π¿—¬Õÿ∫—μ‘‡Àμÿ‡Õ◊ÈÕÕ“∑√ TLAA appointed Mr. Sutti Rajitrangson as a representative to be a member of the Uar Arthorn Accident Insurance Management Committee. 1.17 ·μàßμ—Èß (1) π“¬æ’√–æß»å Õÿàπ®‘μμå ‡≈¢“∏‘°“√ ¡“§¡ (2) π“ß∫ÿ…√“ Õ÷Íß¿“°√≥å ºŸâÕ”π«¬°“√ ¡“§¡ ·≈– (3) π“¬æ‘™“ ‘√‚‘ ¬∏‘π ºŸ™â «à ¬ºŸÕâ ”π«¬°“√ ¡“§¡ ‡ªìπºŸ·â ∑π‡¢â“√à«¡‡ªìπ°√√¡°“√ μ—¥ ‘π®—¥°“√·¢àß¢—πμÕ∫ªí≠À“∑“ß°“√‡ß‘π ç‡ß‘π∑Õß ¢Õß¡’§à“ The Champion 2007é √Õ∫™‘ß™π–‡≈‘» ‡¡◊ËÕ«—π∑’Ë 7 ∏—π«“§¡ 2550 ≥ ‚√ß‡√’¬πª√–∂¡™àÕßππ∑√’ TLAA appointed Mr. Peerapong Unchit, the General Secretary, Mrs. Busara Ungphakorn, Director and Mr. Picha Siriyothin, Assistant Director to represent TLAA as the judges of the final round of çThe Champion 2007é financial-related quiz tournament on December 7, 2007 at the Chongnonsee Elementary School.

1.15 ¡Õ∫À¡“¬ºŸâ·∑π‡¢â“√—∫√“ß«—≈‚§√ß°“√ª√–°“»‡°’¬√μ‘§ÿ≥√“ß«—≈¥’‡¥àπ¥â“π®√√¬“∫√√≥ ÀÕ°“√§â“‰∑¬ ª√–®”ªï 2550 ‡¡◊ËÕ«—π∑’Ë 27 æƒ»®‘°“¬π 2550 ¡Õ∫√“ß«—≈‚¥¬ œæ≥œ æ≈‡Õ° ‡ª√¡ μ‘≥ Ÿ≈“ππ∑å ª√–∏“πÕß§¡πμ√’ TLAA assigned representatives to receive the Thai Chamber of Commerce Business Ethics Standard Best Award 2007 (TCC BEST Award 2007), presented by Gen. Prem Tinsulanond, Chairman of the Privy Council on November 27, 2007.

Activities Implemented by TLAA During 2007 - 2008 1.18 ¡Õ∫À¡“¬ºŸâ·∑π ¡“§¡®”π«π 2 ∑à“π ª√–°Õ∫¥â«¬ (1) π“¬° ¡“§¡ª√–°—π™’«‘μ‰∑¬ (π“¬ “√– ≈Ë”´”) ‚¥¬μ”·Àπàß (2) °√√¡°“√∫√‘À“√ ¡“§¡ (π“¬ ÿ∑∏‘ √®‘μ√—ß √√§å) ´÷Ëß®–¡’°“√ À¡ÿπ‡«’¬πμ“¡§«“¡‡À¡“– ¡ ‡¢â“‡ªìπ°√√¡°“√∫√‘À“√°Õß∑ÿπ ª√–°—π™’«‘μ Appointed TLAA President (Sara Lamsam) and another Board member (Sutti Rajitrangson as ex officio representatives to serve as members of the Life Insurance Fund Management Board. 1.19 ·μàßμ—Èß π“¬æ’√–æß»å Õÿàπ®‘μμå ‡≈¢“∏‘°“√ ¡“§¡ ·≈– π“¬ ÿ√»—°¥‘Ï ‡®√‘≠‚≈àÀ∑å Õß¥’ ºŸ™â «à ¬ºŸÕâ ”π«¬°“√ ¡“§¡ ‡ªìπºŸ·â ∑π ¡“§¡ª√–°— π ™’ « ‘ μ ‰∑¬‡¢â “ √à « ¡‡ªì π §≥–°√√¡°“√™à « ¬‡À≈◊ Õ ºŸâª√– ∫¿—¬®“°Õÿ∫—μ‘¿—¬√“¬„À≠à Appointed Mr. Peerapong Unchit, TLAA Secretary-General and Mr. Surasak Charoenlothongdee, TLAA Assistant Director as representatives in Disaster Victims Assistance Committee.

1.20 ¡Õ∫À¡“¬„Àâπ“¬ ÿ√»—°¥‘Ï ‡®√‘≠‚≈àÀå∑Õß¥’ ‡ªìπºŸâ·∑π ¡“§¡ª√–°—π™’«‘μ‰∑¬ ‡¢â“√à«¡‡ªìπ§≥–°√√¡°“√¢Õß»Ÿπ¬å àß‡ √‘¡°“√∫√‘À“√‡ß‘πÕÕ¡§√Õ∫§√—« °√ÿß‡∑æ¡À“π§√ Assigned Mr. Surasak Charoenlothongdee as TLAA representative to serve as a member of the Family Saving Management Board of the Bangkok Metropolitan Administration. 1.21 ·μàßμ—ßÈ ºŸ·â ∑π®“° Õπ°.§≥‘μ»“ μ√åª√–°—π¿—¬ Õπ°.≈ß∑ÿπ ·≈– Õπ°.√–∫∫∫—≠™’·≈–¿“…’ ‡¢â“√à«¡‡ªìπ§≥–∑”ß“π√à«¡√–À«à“ß ¿“§√—∞·≈–‡Õ°™π„π°“√æ‘®“√≥“°”Àπ¥·π«∑“ß„π°“√°”°—∫ ¥Ÿ·≈‡ß‘π°Õß∑ÿπμ“¡√–¥—∫§«“¡‡ ’Ë¬ß (Risk-Based Capital : RBC) Appointed representatives of the Actuarial, Investment and Accounting and Tax System Sub-Committees to serve as members of the RBC Working Group.

1.22 ·μàßμ—ßÈ ºŸ·â ∑π®“° Õπ°.√–∫∫∫—≠™’·≈–¿“…’ ·≈– Õπ°. §≥‘μ»“ μ√åª√–°—π¿—¬ ‡¢â“√à«¡‡ªìπ§≥–∑”ß“π»÷°…“¡“μ√∞“π °“√∫—≠™’ “°≈∑’Ë‡°’Ë¬«¢âÕß°—∫°“√ª√–°—π¿—¬ (IFRS 4) Appointed representatives of the Actuarial, and Accounting and Tax System Sub-Committees to serve as members of the IFRS 4 Working Group. 1.23 ¡Õ∫À¡“¬ºŸ·â ∑π (π“¬ ÿ«∑‘ ¬å ≥ μ–°—«Ë ∑ÿßà ) ≈ßæ◊πÈ ∑’∑Ë ‡Ë’ °‘¥ Õÿ∫—μ‘‡Àμÿ°√≥’ “¬°“√∫‘π One-Two-Go ≈◊Ëπ‰∂≈™π¢â“ß run way ¢≥–≈ß®Õ¥∑’Ë π“¡∫‘ππ“π“™“μ‘¿Ÿ‡°Áμ √à«¡°—∫ ”π—°ß“π§≥– °√√¡°“√°”°—∫·≈– àß‡ √‘¡∏ÿ√°‘®ª√–°—π¿—¬ (§ª¿.) ·≈– ¡“§¡ ª√–°—π«‘π“»¿—¬ ‡æ◊ËÕÕ”π«¬§«“¡ –¥«°¥â“π¢âÕ¡Ÿ≈¢à“« “√·≈– °“√ª√– “πß“π¥â“π°“√ª√–°—π¿—¬·°à≠“μ‘·≈–ºŸªâ √– ∫Õÿ∫μ— ‡‘ Àμÿ Assigned Mr. Suvit Na Takuatung as a representative to assist the victims of the One-Two-Go plane crash incident in Phuket Airport in conjunction with the Office of the Insurance Commission and the General Insurance Association. 1.24 ¡Õ∫À¡“¬ºŸ·â ∑π‡¢â“√à«¡ª√–™ÿ¡°—∫§≥–∑”ß“πæ‘®“√≥“ ‡ªî¥‡ √’°“√§â“∫√‘°“√¥â“π°“√‡ß‘π ≥ ”π—°ß“π‡»√…∞°‘®°“√ §≈—ß Assigned representatives to attend a meeting on Trade and Financial Liberalization at the Office of Economic Finance. 1.25 ¡Õ∫À¡“¬ºŸ â · ∑π‡¢â “ √à « ¡ª√–™ÿ ¡ °— ∫ §≥–°√√¡°“√ °Æ√–‡∫’¬∫°“√§â“√–À«à“ßª√–‡∑» ¿“ÀÕ°“√§â“·Ààßª√–‡∑»‰∑¬ Assigned representatives to attend a meeting organized by the Thai Chamber of Commerce on international trade regulations. 1.26 ¡Õ∫À¡“¬„Àâº·âŸ ∑π‡¢â“√à«¡ª√–™ÿ¡°—∫§≥–Õπÿ°√√¡°“√ ª√–‡¥Áπ∑“ß°“√§â“ ¿“ÀÕ°“√§â“·Ààßª√–‡∑»‰∑¬ Assigned representative to attend a meeting of the Trade Issues Sub-Committee of the Thai Chamber of Commerce.

1.27 ·μà ß μ— È ß ºŸ â · ∑π‡¢â “ √à « ¡‡ªì π §≥–∑”ß“π√à “ ßÀ≈— ° Ÿ μ √ Õ∫√¡ ”À√—∫ºŸâ¢Õ√—∫„∫Õπÿ≠“μ‡ªìπμ—«·∑πª√–°—π™’«‘μ Assigned representative to attend a meeting with the Agency License Training Working Committee. 1.28 ¡Õ∫À¡“¬„Àâπ“ß∫ÿ…√“ Õ÷ßÍ ¿“°√≥å ºŸÕâ ”π«¬°“√ ¡“§¡ ª√–°—π™’«μ‘ ‰∑¬ ‡ªìπºŸ·â ∑π‡¢â“√à«¡‡ªìπ§≥–∑”ß“π°”Àπ¥À≈—°‡°≥±å „π°“√¡Õ∫√“ß«—≈∫√‘…∑— ª√–°—π¿—¬∑’¡Ë °’ “√∫√‘À“√ß“π¥’‡¥àπ ª√–®”ªï æ.». 2550 Assigned Mrs. Busara Ungphakorn, TLAA Director as a representative to serve as a member of the working group to select the best insurance company in 2007. 1.29 ·μàßμ—ÈßºŸâ·∑π∑’Ë¡’Õ”π“®‡μÁ¡¢ÕßÀÕ°“√§â“‰∑¬ §◊Õ (1) π“¬ “√– ≈Ë”´” π“¬° ¡“§¡ª√–°—π™’«‘μ‰∑¬ (2) π“¬æ’√–æß»å Õÿàπ®‘μμå ‡≈¢“∏‘°“√ ‡¢â“‡ªìπ°√√¡°“√¢Õß ¿“ÀÕ°“√§â“·Ààß ª√–‡∑»‰∑¬ Appointed Mr. Sara Lamsam, TLAA President and Mr. Peerapong Unchit, TLAA Secretary-General as the authorized representatives to serve as members of the Thai Chamber of Commerce Board. 1.30 ¡Õ∫À¡“¬„Àâπ“ß∫ÿ…√“ Õ÷ßÍ ¿“°√≥å ºŸÕâ ”π«¬°“√ ¡“§¡ ª√–°—π™’«‘μ‰∑¬ ‡ªìπºŸâ·∑π‡¢â“√à«¡√—∫øíß∑‘»∑“ß·ºπ°“√¥”‡π‘π ß“π¢Õß ”π—°ß“π §ª¿. ª√–®”ªï 2551 ‡¡◊ËÕ«—π∑’Ë 20 ∏—π«“§¡ 2551 æ√âÕ¡·≈°‡ª≈’Ë¬π¢âÕ§‘¥‡ÀÁπ√–À«à“ß ”π—°ß“π §ª¿. ·≈– ∏ÿ√°‘®¿“§‡Õ°™π Assigned Mrs. Busara Ungphakorn, TLAA Director as representative to attend a meeting to announce policies and plans of the Office of Insurance Commission on December 20, 2008.

Activities Implemented by TLAA During 2007 - 2008 1.31 ·μàßμ—ÈßºŸâ·∑π®“°∫√‘…—∑ª√–°—π™’«‘μ‡¢â“√à«¡‡ªìπ§≥– ∑”ß“π°“√æ‘®“√≥“·π«∑“ß·≈–®—¥∑”§Ÿà¡◊Õ„π°“√°”°—∫§«“¡ ‡ ’Ë¬ß¥â“πªØ‘∫—μ‘°“√ (Operational Risk) Appointed staff of member companies to participate in the preparation of the Operational Risk Guidance. 1.32 ¡Õ∫À¡“¬ºŸâ·∑π‡¢â“√à«¡°“√ª√–™ÿ¡™’È·®ß¿“§’‡§√◊Õ¢à“¬ ‡æ◊ËÕ°“√∑”ß“π√à«¡°—πμ“¡æ√–√“™∫—≠≠—μ‘ ÿ¢¿“æ·Ààß™“μ‘ æ.». 2550 ‡¡◊ËÕ«—π∑’Ë 8 ¡°√“§¡ æ.». 2551 ´÷Ëß ”π—°ß“π§≥–°√√¡°“√ ÿ¢¿“æ·Ààß™“μ‘ ( ™.) ‰¥â®¥— ∑” ç‚§√ß°“√ª√–™ÿ¡™’·È ®ß¿“§’‡§√◊Õ¢à“¬ ‡æ◊ËÕ°“√∑”ß“π√à«¡°—πμ“¡æ√–√“™∫—≠≠—μ‘ ÿ¢¿“æ·Ààß™“μ‘ æ.». 2550é ¢÷Èπ Assigned representatives to attend a meeting organized by the National Health Board to announce plans to be implemented by involved agencies under the National Health Act, B.E. 2007 on January 8, 2008.

1.33 ¡Õ∫À¡“¬π“¬æ‘™“ ‘√‚‘ ¬∏‘π ºŸ™â «à ¬ºŸÕâ ”π«¬°“√ ¡“§¡ ‡ªìπ«‘∑¬“°√„πß“π‡ «π“ ‡√◊ÕË ß çª√–°—π¿—¬ : „Àâª√–‚¬™πå°∫— °“√§â“ ¡“°°«à“∑’§Ë ¥‘ é ®—¥‚¥¬ ”π—°ß“π §ª¿. ‚¥¬¡’«μ— ∂ÿª√– ß§åμÕâ ß°“√ √â“ß§«“¡√Ÿâ §«“¡‡¢â“„® ·≈– àß‡ √‘¡„Àâª√–™“™π‰¥âπ”√–∫∫ °“√ª√–°—π¿—¬¡“„™â„Àâ‡°‘¥ª√–‚¬™πå°—∫™’«‘μª√–®”«—π ·≈–°“√ ª√–°Õ∫∏ÿ√°‘®°“√§â“∑ÿ°ª√–‡¿∑‰¥âÕ¬à“ß∂Ÿ°μâÕß·≈–‡À¡“– ¡ ß“π¥—ß°≈à“«®—¥¢÷Èπ∑—ÈßÀ¡¥ 5 §√—Èß ¥—ßπ’È ®—ßÀ«—¥‡™’¬ß√“¬ √–À«à“ß«—π∑’Ë 15-17 °ÿ¡¿“æ—π∏å 2551 ®—ßÀ«—¥Õÿ∫≈√“™∏“π’ √–À«à“ß«—π∑’Ë 28 °ÿ¡¿“æ—π∏å - 1 ¡’π“§¡ 2551 ®—ßÀ«—¥√–¬Õß √–À«à“ß«—π∑’Ë 7-9 ¡’π“§¡ 2551 ®—ßÀ«—¥°“≠®π∫ÿ√’ √–À«à“ß«—π∑’Ë 14-16 ¡’π“§¡ 2551 ®—ßÀ«—¥ ÿ√“…Æ√å∏“π’ √–À«à“ß«—π∑’Ë 21-23 ¡’π“§¡ 2551 Assigned Mr. Picha Siriyodhin, TLAA Assistant Director to be a speaker on çInsurance Has More Profits to Business Than You Thinké at the events organized by the Office of Insurance Commission at the following provinces: Chiangrai between February 15-17, 2008 Ubol between February 28 to March 1, 2008. Rayong between March 7-9, 2008. Kanchanaburi between March 14-16, 2008 Surat Thani between March 21-23, 2008.

1.34 ¡Õ∫À¡“¬„Àâπ“ß∫ÿ…√“ Õ÷ßÍ ¿“°√≥å ºŸÕâ ”π«¬°“√ ¡“§¡ ª√–°—π™’«‘μ‰∑¬ ‡¢â“√à«¡ª√–™ÿ¡°—∫ ”π—°ß“π §ª¿. ‡√◊ËÕß°“√ ®—¥∑” ç‚§√ß°“√¬ÿ«™πª√–°—π¿—¬„π‚√ß‡√’¬πé ª√–®”ªï 2551 ´÷Ëß ‰¥â‡™‘≠ºŸâ∑’Ë®–„Àâ°“√ π—∫ πÿπ‚§√ß°“√‡¢â“√à«¡ª√–™ÿ¡‡æ◊ËÕ°”Àπ¥ √Ÿª·∫∫·≈–À≈—°‡°≥±å„π°“√®—¥ß“π ‚§√ß°“√¬ÿ«™πª√–°—π¿—¬ „π‚√ß‡√’¬π Assigned Mrs. Busara Ungphakorn, TLAA Director to attend a meeting organized by the Office of Insurance Commission to discuss a plan to implement the çInsurance Youth Project 2008é. The attendants are potential sponsors of the events.

1.35 ¡Õ∫À¡“¬„Àâπ“ß∫ÿ…√“ Õ÷ßÍ ¿“°√≥å ºŸÕâ ”π«¬°“√ ¡“§¡ ª√–°—π™’«‘μ‰∑¬ ‡ªìπºŸâ·∑π√à«¡®—¥∑”∫—π∑÷°¢âÕμ°≈ß§«“¡√à«¡¡◊Õ °“√‡ªìπÕß§å°√μâπ·∫∫‚§√ß°“√ Health Meeting °—∫°√¡Õπ“¡—¬ ·≈–¿“§’‡§√◊Õ¢à“¬æ—π∏¡‘μ√ 15 ∂“∫—π Assigned Mrs. Busara Ungphakorn, TLAA Director to attend the signing of MOU to promote çHealthy Meetingé between the Health Department and 15 other agencies. 1.36 ·μà ß μ— È ß §≥–∑”ß“π‡©æ“–°‘ ® ‡æ◊ Ë Õ »÷ ° …“°ÆÀ¡“¬∑’ Ë ‡°’Ë¬«¢âÕß°—∫∏ÿ√°‘®ª√–°—π™’«‘μ ®”π«π 9 ©∫—∫ Set up an ad hoc committee to study 9 life insurance related legislations.

Activities Implemented by TLAA During 2007 - 2008 2. °“√ àß‡ √‘¡·≈–æ—≤π“§«“¡√Ÿâ „Àâ·°àæπ—°ß“π∫√‘…—∑ ¡“™‘° °“√ —¡¡π“ / ∫√√¬“¬æ‘‡»… Promotion and Development of career knowledge for staff of TLAA member companies through seminar/lecture. 2.1 ®— ¥ — ¡ ¡π“‡™‘ ß ªØ‘ ∫ — μ ‘ ° “√‡√◊ Ë Õ ß çº≈°√–∑∫®“°√à “ ß æ√–√“™∫—≠≠—μ§‘ ¡âÿ §√Õß¢âÕ¡Ÿ≈ à«π∫ÿ§§≈∑’¡Ë μ’ Õà ∏ÿ√°‘®ª√–°—π™’«μ‘ é ‡¡◊ËÕ«—π∑’Ë 21 °—π¬“¬π 2550 ≥ ‚√ß·√¡¥‘ ‡Õ¡‡¡Õ√—≈¥å ∂ππ √—™¥“¿‘‡…° Organized workshop on çImpact of Private Information Act on Life Insurance Businessé at the Emerald Hotel on September 21, 2007. 2.2 ®— ¥ — ¡ ¡π“´— ° ´â Õ ¡§«“¡‡¢â “ „®‡°’ Ë ¬ «°— ∫ çª√–°“» ”π—°ß“π§≥–°√√¡°“√°”°—∫·≈– àß‡ √‘¡°“√ª√–°Õ∫∏ÿ√°‘® ª√–°—π¿—¬ ‡√◊ËÕß À≈—°‡°≥±å «‘∏’°“√®—¥μ—Èß ·≈–°“√¥”‡π‘π°“√ Àπà«¬√—∫‡√◊ËÕß√âÕß‡√’¬π¢Õß∫√‘…—∑ª√–°—π™’«‘μé ‚¥¬°”Àπ¥®—¥ «—πæÿ∏∑’Ë 28 æƒ»®‘°“¬π 2550 ‚√ß·√¡«‘π‡´Õ√å «‘∑ å ∂ππ ÿ¢¡ÿ «‘∑ Organized a seminar to prepare staff of member companies for the promulgation of Office of Insurance Commission on çComplaint Unit of Life Insurance Companyé on November 28, 2007 at the Winsor Suite Hotel, Sukhumvit.

2.3 ®—¥ —¡¡π“‡™‘ßªØ‘∫—μ‘°“√‡√◊ËÕß ç‚§√ß°“√æ—≤π“√Ÿª·∫∫ °“√Ωñ°Õ∫√¡„À¡à·≈–°“√æ—≤π“∫ÿ§≈“°√ —¡¡π“‡™‘ßªØ‘∫—μ‘°“√ À—«¢âÕ «‘ —¬∑—»πåªï 2008 ¢Õß«‘∑¬“°√·≈–°“√®—¥°‘®°√√¡ —¡æ—π∏å ª√–°—π™’«μ‘ é √–À«à“ß«—π∑’Ë 18-19 ¡°√“§¡ 2551 ≥ ∫â“π «π¢«¥·°â« ®—ßÀ«—¥π§√π“¬° Organize a workshop on çA Project to Develop Training Course and Human Resource Development 2008é between January 18-19, 2008 at Baan Suan Kwad Kaew, Nakhon Nayok Province. 2.4 ®—¥ª√–™ÿ¡ AIMA VI √–À«à“ß«—π∑’Ë 14-17 μÿ≈“§¡ 2550 ≥ ‚√ß·√¡¡≥‡±’¬√√‘‡«Õ√å‰´¥å Organized the AIMA VI meeting between October 14-17, 2007 at the Montien Riverside Hotel.

2.5 ®—¥ —¡¡π“‡√◊ÕË ß °“√¥”√ß‡ß‘π°Õß∑ÿπμ“¡√–¥—∫§«“¡‡ ’¬Ë ß (Risk-Based Capital) ‚¥¬§≥–Õπÿ°√√¡°“√≈ß∑ÿπ ‡æ◊ËÕ»÷°…“ À≈—°‡°≥±å·≈–·π«∑“ß°“√°”°—∫¥Ÿ·≈ ∂“∫—π°“√‡ß‘π∑’Ë ∏ª∑. „™âÕ¬Ÿà ·≈–»÷°…“º≈°√–∑∫ ¢âÕ¥’ ¢âÕ‡ ’¬ ®“°°“√π” RBC ¡“„™â°—∫ ∂“∫—π°“√‡ß‘π‰∑¬ ‡¡◊ËÕ«—πæÿ∏∑’Ë 16 ¡°√“§¡ 2551 ≥ ‚√ß·√¡ μ«—ππ“√“¡“¥“ The Investment Sub-Committee organized a seminar on Risk-Based-Capital to study the regulatory criteria and direction adopted by the Bank of Thailand and the impacts of RBC implementation on life insurance business at the Tawana Ramada Hotel on January 16, 2008.

2.7 ®—¥ —¡¡π“«‘™“°“√ Financial Underwriting Discussion ‚¥¬§≥–Õπÿ°√√¡°“√æ‘®“√≥“√—∫ª√–°—π¿—¬ ‡¡◊ËÕ«—πæÿ∏∑’Ë 13 °ÿ¡¿“æ—π∏å 2551 ≥ ÀâÕß‡ ◊ÕªÉ“ ™—Èπ 3 Õ“§“√ÀÕª√–™ÿ¡‡¡◊Õß‰∑¬ ª√–°—π™’«‘μ The Underwriting Sub-Committee organized a panel discussion on çFinancial Underwriting Discussioné at Sua Pa Room, Muangthai Life on February 13, 2008.

2.6 ®—¥ —¡¡π“ The 17th TLAA-FALIA Seminar ´÷Ëß‰¥â°”Àπ¥ ®—¥ —¡¡π“ª√–°—π™’«μ‘ ¿“¬„μâÀ«— ¢âÕ‡√◊ÕË ß çIndividual Life Insurance Product Development responding to the Aging Societyé ‡¡◊ËÕ«—π∑’Ë 5 °ÿ¡¿“æ—π∏å 2551 ≥ ‚√ß·√¡¥ÿ ‘μ∏“π’ Organized the 17th TLAA-FALIA Seminar on çIndividual Life Insurance Product Development responding to the Aging Societyé on February 5, 2008 at the Dusit Thani Hotel.

2.8 ®—¥‡ «π“„Àâ§«“¡√Ÿâ‡°’Ë¬«°—∫æ√–√“™∫—≠≠—μ‘ª√–°—π™’«‘μ ©∫—∫„À¡à ·°à‡®â“Àπâ“∑’ËºŸâ®—¥Ωñ°Õ∫√¡μ—«·∑πª√–°—π™’«‘μ ‡¡◊ËÕ«—π∑’Ë 14 °ÿ¡¿“æ—π∏å 2551 ≥ ÀâÕß¥“√“√—μπå ‚√ß·√¡‡øî ∑å ∂ππ‡æ™√∫ÿ√’ «—μ∂ÿª√– ß§å‡æ◊ÕË „Àâ§«“¡√Ÿ‡â ©æ“– à«π∑’‡Ë °’¬Ë «¢âÕß°—∫μ—«·∑πª√–°—π ™’«‘μ„πæ√–√“™∫—≠≠—μ‘ª√–°—π™’«‘μ©∫—∫„À¡à·°à‡®â“Àπâ“∑’ËºŸâ®—¥Ωñ° Õ∫√¡μ—«·∑πª√–°—π™’«‘μ Organized a panel discussion to provide knowledge on new life insurance act to agency trainers of TLAA member companies on February 14, 2008 at First Hotel, Bangkok.

Activities Implemented by TLAA During 2007 - 2008 2.9 ®—¥ —¡¡π“‡™‘ßªØ‘∫—μ‘°“√‡√◊ËÕß ç°“√æ‘®“√≥“ ‘π‰À¡°—∫ §«“¡√Ÿâ∑“ß°“√·æ∑¬å¥â“ππ‘μ‘‡«™ ·≈–·π«§”æ‘æ“°…“»“≈Æ’°“é §√—Èß∑’Ë 2/2550-2551 √–À«à“ß«—π∑’Ë 21- 23 ¡’π“§¡ 2551 ≥ ‚√ß·√¡ «π∫«°À“¥™–Õ” ®—ßÀ«—¥‡æ™√∫ÿ√’ Organized a workshop on çClaim Management, Forensic Science and Judgments of the Supreme Courté at Beach Garden Hotel, Cha Am, Petchburi between March 21-23, 2008. The objective was to provide knowledge on these subjects to staff of member companies.

2.10 ®—¥∫√√¬“¬¥â“π«‘™“°“√‡√◊ËÕß çÀ≈—°‡°≥±å°“√æ‘®“√≥“ √—∫ª√–°—π¿—¬°≈ÿà¡ ·≈–·π«‚πâ¡°“√μ≈“¥ª√–°—π¿—¬°≈ÿà¡é ‚¥¬¡’ «—μ∂ÿª√– ß§å‡æ◊ËÕæ—≤π“§«“¡√Ÿâ§«“¡‡¢â“„®„π°“√ªØ‘∫—μ‘ß“π∑’Ë ‡°’¬Ë «¢âÕß°—∫°“√æ‘®“√≥“√—∫ª√–°—π¿—¬°≈ÿ¡à ·≈–°“√μ≈“¥ª√–°—π¿—¬ °≈ÿ¡à ∑∫∑«π·°àºªâŸ Ø‘∫μ— ß‘ “π ®—¥√–À«à“ß«—π∑’Ë 20-21 ¡’π“§¡ 2551 ≥ ÀâÕßæ“‚π√“¡“ ™—Èπ 14 ‚√ß·√¡¥‘‡Õ¡‡¡Õ√—≈¥å ∂.√—™¥“¿‘‡…° Organized a lecture on çCriteria for Group Insurance Underwriting and Trends of Group Insuranceé for staff of member companies at the Emerald Hotel, Bangkok between March 20-21, 2008.

Activities Implemented by TLAA During 2007 - 2008 2.11 ®—¥ —¡¡π“‡√◊ËÕß çBancassurance Õ’°∑“ß‡≈◊Õ°¢Õß°“√ ª√–°—π™’«‘μé „π«—π∑’Ë 14 ¡’π“§¡ 2551 ≥ ‚√ß·√¡¥‘‡Õ¡‡¡Õ√—≈¥å ∂.√—™¥“¿‘‡…° Organized a seminar on çBancassurance: Another Option for Life Insuranceé at the Emerald Hotel on March 14, 2008. 2.12 ®— ¥ — ¡ ¡π“«‘ ™ “°“√ ”À√— ∫ ºŸ â æ ‘ ® “√≥“√— ∫ ª√–°— π ¿— ¬ ‡√◊ÕË ß çNon Medical Underwritingç „π«—π»ÿ°√å∑Ë’ 16 æƒ…¿“§¡ 2551 ≥ ÀâÕß‡ ◊ÕªÉ“ ™—Èπ 3 Õ“§“√ÀÕª√–™ÿ¡‡¡◊Õß‰∑¬ª√–°—π™’«‘μ Organized a seminar on çNon-Medical Underwritingé on Friday, May 16, 2008 at Sua Pa Room, Muangthai Life.

2.13 ®—¥ª√–™ÿ¡«‘™“°“√ª√–®”ªï ‡«™»“ μ√åª√–°—π™’«‘μ‰∑¬ §√—Èß∑’Ë 6 (TIMAC-6) „π«—π∑’Ë 17-18 ¡‘∂ÿπ“¬π 2551 ≥ ‚√ß·√¡ Swissotel Le Concord ∂ππ√—™¥“¿‘‡…° Àâ«¬¢«“ß ´÷Ëß¡’°“√ Õ¿‘ª√“¬·≈–∫√√¬“¬«‘™“°“√‡°’¬Ë «°—∫‚√§∑’æË ∫∫àÕ¬ „π°“√æ‘®“√≥“ √—∫ª√–°—π·≈– ‘π‰À¡ ‚¥¬·æ∑¬åºŸâ‡™’Ë¬«™“≠ “¢“μà“ßÊ Organized the TIMAC-6 meeting on June 17-18, 2008 at the Swissotel Le Concord, Ratchadapisek Road. The event features lecture and discussion on frequently found diseases by doctors who are experts on many medical subjects. 2.14 ®—¥ —¡¡π“‡√◊ËÕß ç‡æ‘Ë¡æŸπ»—°¬¿“æπ—°ª√–™“ —¡æ—π∏åé „π«—π∑’Ë 25 ‡¡…“¬π 2551 ≥ AIA Training Center ™—Èπ 6 Õ“§“√ “∑√´‘μ’È ∂ππ “∑√„μâ Organized a seminar on çEnhancing Public Relations Expertiseé on April 25, 2008 at the AIA Training Center, Sathorn City Building, Sathorn Road, Bangkok

2.15 ®—¥ —¡¡π“«‘™“°“√‡√◊ÕË ß çEnd-to-End Business Continuity Plan to help ensure Continuous operationsé ‡¡◊ÕË «—π∑’Ë 18 °—π¬“¬π 2550 ´÷Ëß‡ªìπ°“√ —¡¡π“‡°’Ë¬«°—∫°“√®—¥°“√§«“¡‡ ’Ë¬ß¥â“πμà“ßÊ ∑’Ë‡°‘¥¢÷Èπ®“°ªí®®—¬√Õ∫¥â“π ·≈–π”‰ª Ÿà°“√∫√‘À“√®—¥°“√§«“¡ ‡ ’Ë¬ßÕ¬à“ß‡À¡“– ¡ Organized a seminar on çEnd-to-End Business Continuity Plan to Help Ensure Continuous Operationsé on September 18, 2007 to discuss how to manage risks.

2.16 ®—¥∫√√¬“¬∑“ß«‘™“°“√¢Õß§≥–Õπÿ°√√¡°“√ ‘π‰À¡ ª√–°—π™’«μ‘ §√—ßÈ ∑’Ë 3 ‡√◊ÕË ß ç§«“¡√Ÿ∑â “ß°ÆÀ¡“¬ ·≈–·π«§”æ‘æ“°…“ »“≈Æ’°“‡°’Ë¬«°—∫°“√æ‘®“√≥“ ‘π‰À¡é ‚¥¬¡’‡π◊ÈÕÀ“°“√∫√√¬“¬ ‡°’Ë¬«°—∫ “√– ”§—≠¢Õß¡“μ√“ 865 ·≈–¡“μ√“ 866 ª√–¡«≈ °ÆÀ¡“¬·æàß·≈–æ“≥‘™¬å ·≈–§”æ‘æ“°…“»“≈Æ’°“∑’ Ë ”§—≠ ·≈– ‡°’Ë¬«¢âÕß°—∫§«“¡√Ÿâ∑“ß°“√·æ∑¬å ·≈–¢âÕ°ÆÀ¡“¬∑’Ë»“≈„™â‡ªìπ ·π«∑“ß°“√æ‘æ“°…“ °”Àπ¥®—¥„π«—π∑’Ë 24 ¡‘∂ÿπ“¬π 2551 ≥ ‚√ß·√¡¥‘‡Õ¡‡¡Õ√—≈¥å The Claim Sub-Committee organized a special lecture on çLegal Knowledge and Judgments of Supreme Court on ClaimRelated Casesé on June 24, 2008 at the Emerald Hotel. The lecture focused on Section 865 and 866 of the Civil and Commercial Code as well as the Supreme Court judgment on Claim-Related Cases.

Activities Implemented by TLAA During 2007 - 2008

3. °“√‡º¬·æ√àª√–™“ —¡æ—π∏å Public Relations Activities 3.1 ®— ¥ ß“π«— π ª√–°— π ™’ « ‘ μ ·Àà ß ™“μ‘ §√— È ß ∑’ Ë 8 ªï 2550 √–À«à“ß«—π∑’Ë 28-31 °√°Æ“§¡ 2550 ≥ »Ÿπ¬å°“√§â“øî«‡®Õ√å æ“√å§ √—ß ‘μ Organized the 8th National Insurance Day 2007 between July 28-31, 2007 at the Future Park Rangsit Mall. 3.2 ®— ¥ — ¡ ¡π“ºŸ â ◊ Ë Õ ¢à “ «ª√–®”ªï 2550 „πÀ— « ¢â Õ ‡√◊ Ë Õ ß ç‚Õ°“ ·≈–Õÿª √√§¢Õß™àÕß∑“ß°“√¢“¬„À¡àé √–À«à“ß«—π∑’Ë 22-23 °—π¬“¬π 2550 ≥ ‚√ß·√¡‰Õ¬å «√√§å √’ Õ√å∑ ·Õπ¥å ª“ æ—∑¬“ Organized a press seminar on çOpportunities and Obstacles for New Channel Distributionsé between September 22-23, 2007 at the Aysawan Resort Hotel, Pataya.

3.3 √à«¡‡ªìπ‡®â“¿“æ®—¥ —¡¡π“ºŸâ∫√‘À“√√–¥—∫ Ÿßªï 2550 „πÀ—«¢âÕ ç∫∑∫“∑ ¿“√°‘® ”π—°ß“π§≥–°√√¡°“√°”°—∫·≈– àß‡ √‘¡°“√ª√–°—π¿—¬ : §«“¡§“¥À«—ß¢Õß¿“§∏ÿ√°‘®ª√–°—π¿—¬·≈– ª√–™“™πé √–À«à“ß«—π∑’Ë 7-9 °—π¬“¬π 2550 ≥ ‚√ß·√¡¥ÿ ‘μ √’ Õ√å∑ æ—∑¬“ Joined the Office of Insurance Commission and the General Insurance Association to organize the 2007 Senior Executive Seminar on çRoles and Missions of the Office of Insurance Commission: Expectation of Private Sector and the Publicé between September 7-9, 2007 at the Dusit Resort, Pattaya.

3.4 ‡¢â“√à«¡®—¥π‘∑√√»°“√ß“π ç«—π™¡√¡‡¬“«™π√—°§«“¡ ª≈Õ¥¿—¬ §√—Èß∑’Ë 8é ª√–®”ªï 2550 ‡æ◊ËÕ‡∑‘¥æ√–‡°’¬√μ‘„π«‚√°“ «—π‡©≈‘¡æ√–™π¡æ√√…“ ¡‡¥Á®æ√–π“ß‡®â“ ‘√°‘ μ‘ Ï‘ æ√–∫√¡√“™‘ππ’ “∂ ‡¡◊ËÕ«—π∑’Ë 12 ‘ßÀ“§¡ 2550 ≥ «π —μ«å¥ÿ ‘μ Joined an exhibition at the ç8 th Youth for Safetyé to commemorate the birthday of Her Majesty the Queen on August 12, 2007 at the Dusit Zoo. 3.5 ®—¥∑”Àπ—ß ◊Õ§Ÿà¡◊Õª√–°—π™’«‘μ‡æ◊ËÕ‡º¬·æ√à 2 ‡≈à¡ §◊Õ Àπ—ß ◊Õ§Ÿ¡à Õ◊ ª√–°—π™’«μ‘ √“¬∫ÿ§§≈·≈–Àπ—ß ◊Õ§Ÿ¡à Õ◊ ª√–°—π¿—¬°≈ÿ¡à Published the 2nd Edition of çLife Insurance Handbooké on individual and group insurance 3.6 àßπ“¬ ÿ«‘∑¬å ≥ μ–°—Ë«∑ÿàß ºŸâ®—¥°“√ΩÉ“¬∏ÿ√°“√·≈–°“√ æπ—°ß“π ≈ßæ◊Èπ∑’Ë∑’Ë‡°‘¥Õÿ∫—μ‘‡Àμÿ√à«¡°—∫ ”π—°ß“π§≥–°√√¡°“√ °”°—∫·≈– àß‡ √‘¡∏ÿ√°‘®ª√–°—π¿—¬ (§ª¿.) ·≈– ¡“§¡ª√–°—π «‘π“»¿—¬ ‡æ◊ËÕÕ”π«¬§«“¡ –¥«°¥â“π¢âÕ¡Ÿ≈¢à“« “√·≈–°“√ ª√– “πß“π¥â“π°“√ª√–°—π¿—¬·°à≠“μ‘·≈–ºŸâª√– ∫Õÿ∫—μ‘‡Àμÿ Assigned Mr. Suwit Na Takuathung, the Office and Personnel Manager to join the Office of Insurance Commission and the General Insurance Association to provide assistance to people affected by natural disaster. 3.7 ®—¥æ‘¡æåÀπ—ß ◊Õ√«¡§”æ‘æ“°…“Æ’°“ ‡æ◊ÕË „™â‡ªìπ‡Õ° “√ ª√–°Õ∫°“√ —¡¡π“ æ√âÕ¡°—∫¡Õ∫„Àâ°—∫∫√‘…—∑ ¡“™‘° ¡“§¡ Àâ Õ ß ¡ÿ ¥ »“≈∑— Ë « ª√–‡∑» Àâ Õ ß ¡ÿ ¥ ∂“∫— π °“√»÷ ° …“√–¥— ∫ Õÿ¥¡»÷°…“∑’Ë‡ªî¥ Õπ«‘™“ª√–°—π¿—¬ ·≈– ”π—°ß“πª√–°—π¿—¬ ®—ßÀ«—¥∑—Ë«ª√–‡∑» Published a book featuring collections of Supreme Court judgments to be used in seminars and distributed to member companies, libraries around the country and at the Provincial Insurance Offices.

3.8 ‡¢â“√à«¡ÕÕ°∫Ÿ∏‡º¬·æ√à°“√ª√–°—π™’«‘μ°—∫ ”π—°ß“π §ª¿. „πß“π ç¡À°√√¡ª√–°—π¿—¬·≈– ‘π§â“√“§“∂Ÿ°é √–À«à“ß «—π∑’Ë 5-14 μÿ≈“§¡ 2550 ≥ °√¡ àß‡ √‘¡°“√ àßÕÕ° Joined the Office of Insurance Commission to set up a booth at the çCheap Goodsé event held between October 5-14, 2007 at the Export Promotion Center. 3.9 °“√‰¥â√—∫‡≈◊Õ°„Àâ‡ªìπ‡®â“¿“æ®—¥ß“π PIC §√—Èß∑’Ë 24 ªï 2009 ‚¥¬„™â ∂“π∑’Ë®—¥„π°√ÿß‡∑æœ ºŸâ∑’Ë‡¢â“√à«¡ª√–™ÿ¡ PIC ¡’∑—Èß °≈ÿà¡ª√–‡∑»„π‡Õ‡™’¬·≈–¬ÿ‚√ª ®”π«π§π∑’Ë‡¢â“√à«¡ª√–™ÿ¡ ª√–¡“≥ 350 °«à“§π ∂◊Õ‡ªìπ‚Õ°“ ∑’Ë®–‰¥âª√–™“ —¡æ—π∏å∏ÿ√°‘® ª√–°—π™’«‘μ‰∑¬ TLAA was selected to host the 24th PIC in November 2009. The event will be held in Bangkok and it is expected that more than 350 senior executives of life insurance companies from all over the world would attend the conference.

Activities Implemented by TLAA During 2007 - 2008 3.10 ‡¢â“√à«¡ÕÕ°∫Ÿ∏„πß“π Money Expo 2008 √–À«à“ß«—π∑’Ë 8-11 æƒ…¿“§¡ 2551 ≥ »Ÿπ¬å°“√ª√–™ÿ¡·Ààß™“μ‘ ‘√‘°‘μ‘Ï Set up a booth at the Money Expo 2008 between May 8-11, 2008 at the Sirikit Convention Center.

3.11 ª√–™“ —¡æ—π∏å‡°’Ë¬«°—∫∏ÿ√°‘®ª√–°—π™’«‘μºà“π ∂“π’«‘∑¬ÿ «æ. FM 91 ·≈– ∂“π’‡§√◊Õ¢à“¬μà“ß®—ßÀ«—¥∑—ÈßÀ¡¥ 17 ∂“π’ ∑—Ë«ª√–‡∑» Launched public relations campaign to promote public awareness on life insurance through Sor Wor Por FM 91 and its 17 network radio stations aroung the country.

4. °“√ àß‡ √‘¡ π—∫ πÿπ¥â“π°“√»÷°…“ Educational Promotion 4.1 „πªï∫√‘À“√ 2550-2551 ‰¥âμ—Èßß∫ª√–¡“≥ ”À√—∫¡Õ∫ ∑ÿπ·≈–√“ß«—≈°“√»÷°…“ √«¡‡ªìπ‡ß‘π∑—Èß ‘Èπ 316,000 ∫“∑ ¥—ßπ’È - ∑ÿπ°“√»÷°…“ ∑ÿπ≈– 10,000 ∫“∑ ®”π«π 16 ∑ÿπ ‡ªìπ‡ß‘π 160,000 ∫“∑ - √“ß«—≈°“√»÷°…“ √“ß«—≈≈– 4,000 ∫“∑ ®”π«π 15 √“ß«—≈ 60,000 ∫“∑ - √“ß«—≈ ASA COURSE I √“ß«—≈≈– 6,000 ∫“∑ ®”π«π 4 √“ß«—≈ ‡ªìπ‡ß‘π 24,000 ∫“∑ - √“ß«—≈ ASA COURSE II √“ß«—≈≈– 8,000 ∫“∑ ®”π«π 4 √“ß«—≈ ‡ªìπ‡ß‘π 32,000 ∫“∑ - ‡ß‘π√“ß«—≈°“√»÷°…“®“° The Oriental Life Insurance Cultural Development Center (OLICD) √“ß«—≈≈– 4,000 ∫“∑ ®”π«π 10 √“ß«—≈ ‡ªìπ‡ß‘π 40,000 ∫“∑ In 2007 and 2008, TLAA provided the following financial support to universities student, totaling 316,000 Baht: - 16 scholarships: 10,000 Baht per person, totaling 160,000 Baht - 15 Educational Awards: 4,000 Baht per person, totaling 60,000 Baht - 4 ASA COURSE I Award at 6,000 Baht per person, totaling 24,000 Baht - 4 ASA COURSE II Award at 8,000 Baht per person, totaling 32,000 Baht - Educational Award from the Oriental Life Insurance Cultural Development Center (OLICD) at 4,000 Baht per person, totaling 40,000 Baht

4.2 „Àâ°“√ π—∫ πÿπ‡ß‘π®”π«π 1 ≈â“π∫“∑ „π‚§√ß°“√ ç‡ß‘π∑Õß ¢Õß¡’§à“ The Champion 2008é ¢Õß TSI ‡æ◊ËÕ àß‡ √‘¡ §«“¡√Ÿâ∑“ß¥â“π°“√∫√‘À“√°“√‡ß‘π °“√≈ß∑ÿπ ·≈–°“√ª√–°—π™’«‘μ ·°à‡¬“«™π√–¥—∫¡—∏¬¡»÷°…“μÕπª≈“¬∑—Ë«ª√–‡∑» Provided 1 million Baht financial support to support the çChampion 2008é organized by the Thailand Securities Institute (TSI) to promote awareness on financial management, investment and life insurance to secondary school students all over the country. 4.3 ª√—∫ª√ÿß‡π◊ÈÕÀ“Àπ—ß ◊ÕÕà“π‡æ‘Ë¡‡μ‘¡ “√–‡»√…∞»“ μ√å ç™ÿ¥æÕ‡æ’¬ßÕ¬à“ß‡æ’¬ßæÕé √–¥—∫™—Èπ ª.1 - ¡.6 ®”π«π 17 ‡≈à¡ „Àâ¡’§«“¡‡À¡“– ¡·≈–¡’‡π◊ÈÕÀ“∑’Ë‡°’Ë¬«¢âÕß°—∫°“√ª√–°—π™’«‘μ ¡“°¢÷Èπ Completed a project to improve the content of extracurriculum books on çSufficient Economyé for Grade 1-12 students, totaling 17 volumes.

5 °“√ àß‡ √‘¡ π—∫ πÿπμ—«·∑πª√–°—π™’«‘μ Agency Promotion 5.1 ¢¬“¬°“√®— ¥ Õ∫μ— « ·∑πª√–°— π ™’ « ‘ μ ¥â « ¬√–∫∫ §Õ¡æ‘«‡μÕ√å‰ª¬—ßμà“ß®—ßÀ«—¥ 7 ®—ßÀ«—¥ ‰¥â·°à ™≈∫ÿ√’ ¢Õπ·°àπ π§√√“™ ’¡“ æ‘…≥ÿ‚≈° ‡™’¬ß„À¡à ÿ√“…Æ√å∏“π’ ·≈– Õ.À“¥„À≠à ®. ß¢≈“ Expanded computerized agency license examinations to 7 provinces, i.e., Cholburi, Khonkaen, Nakhon Ratchasima, Pitsanuloke, Chiangmai, Surat Thani and Haad Yai, Songkhla. 5.2 ¥”‡π‘ π °“√®— ¥ Õ∫μ— « ·∑πª√–°— π ™’ « ‘ μ ¥â « ¬√–∫∫ §Õ¡æ‘«‡μÕ√å∑’Ë ¡“§¡ „π√–¬–·√°®—¥ Õ∫‡ “√å‡«âπ‡ “√å ‚¥¬‡√‘Ë¡ ¥”‡π‘π°“√μ—Èß·μà‡¥◊Õπ°—π¬“¬π 2550 Started to provide computerized agency license exam at TLAA office every other Saturday since September 2007.

Activities Implemented by TLAA During 2007 - 2008 5.3 ®—¥ß“πæ‘∏’ ¡Õ∫√“ß«—≈μ—«·∑π§ÿ≥¿“æ¥’‡¥àπ·Ààß™“μ‘ ª√–®”ªï 2551 À√◊Õ Thailand National Quality Awards [TNQA] ‡¡◊ËÕ«—π»ÿ°√å∑’Ë 13 ¡‘∂ÿπ“¬π 2551 ≥ ÀâÕß √Õ¬—≈ ®Ÿ∫‘≈’Ë ∫Õ≈√Ÿ¡ Õ“§“√™“‡≈π‡®Õ√å Õ‘¡·æÁ§ ‡¡◊Õß∑Õß∏“π’ Organized the Thailand National Quality Awards [TNQA] on June 13, 2008 at the Challenger Impact, Muangthong Thani Conference Center.

5.4 ‡ πÕÀ≈—° Ÿμ√°“√Õ∫√¡‡æ◊ËÕ¢Õ√—∫·≈–¢ÕμàÕ„∫Õπÿ≠“μ ‡ªìπμ—«·∑πª√–°—π™’«‘μ „Àâ ”π—°ß“π §ª¿.‰¥âæ‘®“√≥“ Proposed training curriculum for consideration and approval by the Office of Insurance Commission. 5.5 ‡ πÕ§«“¡‡ÀÁπμàÕ ”π—°ß“π §ª¿. ‡æ◊ËÕª√—∫ª√ÿß§≈—ß ¢âÕ Õ∫∑’„Ë ™â„π°“√ Õ∫‡æ◊ÕË ¢Õ√—∫„∫Õπÿ≠“μ‡ªìπμ—«·∑πª√–°—π™’«μ‘ „Àâ Õ¥§≈âÕß‡ªìπ‰ªμ“¡°ÆÀ¡“¬∑’Ë‡ª≈’Ë¬π·ª≈ß æ√–√“™∫—≠≠—μ‘ ª√–°—π™’«‘μ ©∫—∫∑’Ë 2 (æ.». 2551) Propose recommendations on how to improve the agency license examination database to conform with new life insurance act and rules and regulations.

6. °“√∫√‘®“§·≈– π—∫ πÿπ°‘®°√√¡Õß§å°√¿“¬πÕ° Donations and Supports Given to Other Agencies 6.1 π— ∫ πÿ π ª√– “πß“π°“√∫√‘ ® “§‚≈À‘ μ „Àâ ° — ∫ ¿“°“™“¥‰∑¬ ‡π◊ËÕß„π‚Õ°“ °“√®—¥ß“π«—πª√–°—π™’«‘μ·Ààß™“μ‘ §√—ßÈ ∑’Ë 9 ‡¡◊ÕË «—π∑’Ë 31 °√°Æ“§¡ 2551 ≥ »Ÿπ¬å∫√‘°“√‚≈À‘μ·Ààß™“μ‘ ¿“°“™“¥‰∑¬ Organized a blood donation to commemorate the 9 th National Insurance Day at the Thai Red Cross on July 31, 2008. 6.2 π—∫ πÿπª√– “πß“π°“√∫√‘°“√μ√«® ÿ¢¿“æ„Àâ°—∫ ª√–™“™π ‡π◊ÕË ß„π‚Õ°“ °“√®—¥ß“π«—πª√–°—π™’«μ‘ ·Ààß™“μ‘ §√—ßÈ ∑’Ë 9 ‡¡◊ËÕ«—π∑’Ë 26-27 °√°Æ“§¡ 2551 ≥ »Ÿπ¬å°“√§â“øî«‡®Õ√å æ“√å§ √—ß ‘μ Organized free medical checkup to the public during the event to celebrate the 9th National Insurance Day between July 26-27, 2008 at the Future Park Rangsit Mall. 6.3 π—∫ πÿπ°“√®—¥∫Ÿ∏„π°‘®°√√¡æ‘∏’‡ªî¥∫â“πÀπ—ß ◊Õ·≈– ß“π«—π‡ªî¥°√–ªÿ°™ÿ¡™π∫â“π§Ÿ§μæ—≤π“ §√—Èß∑’Ë 4 ≥ ‚√ß‡√’¬π Õπ»“ π“ ™ÿ¡™π∫â“π§Ÿ§μæ—≤π“ ·¢«ß/‡¢μ¡’π∫ÿ√’ ®—¥‚¥¬ ”π—°ß“π‡¢μ¡’π∫ÿ√’ °√ÿß‡∑æ¡À“π§√ ‡¡◊ËÕ«—π∑’Ë 25 æƒ…¿“§¡ 2551 Joined and supported an event organized by Minburi District to open the çBook Houseé and çthe 4th Community Saving Programé at Baan Kukot Community School, Minburi District, Bangkok on May 25, 2008.

6.4 π—∫ πÿπ«‘∑¬“°√‚¥¬ π“¬æ‘™“ ‘√‚‘ ¬∏‘π ºŸ™â «à ¬ºŸÕâ ”π«¬°“√ ¡“§¡ª√–°—π™’«μ‘ ‰∑¬ ‡ªìπºŸ·â ∑π√à«¡°“√‡ «π“ ‡√◊ÕË ß çª√–°—π¿—¬... „Àâª√–‚¬™πå°—∫°“√§â“¡“°°«à“∑’Ë§‘¥é ‡π◊ËÕß„πß“π —¡¡π“ ‡√◊ËÕß ç°ÆÀ¡“¬©∫—∫·°â‰¢...¡‘μ‘„À¡àª√–°—π¿—¬‰∑¬é ®—¥‚¥¬ ”π—°ß“π §≥–°√√¡°“√°”°—∫·≈– àß‡ √‘¡°“√ª√–°Õ∫∏ÿ√°‘®ª√–°—π¿—¬ ‡¡◊ËÕ«—π∑’Ë 12 æƒ…¿“§¡ 2551 ≥ »Ÿπ¬å°“√ª√–™ÿ¡·Ààß™“μ‘ ‘√‘°‘μ‘Ï Assigned Mr. Picha Siriyodhin, TLAA Assistant Director to be a panel speaker at a seminar on new life insurance act organized by the Office of Insurance Commission at the Sirikit Convention Center on May 12, 2008.

Activities Implemented by TLAA During 2007 - 2008 6.5 π—∫ πÿπ°“√®—¥∫Ÿ∏π‘∑√√»°“√„πß“π —¡¡π“ ‡√◊ËÕß ç°ÆÀ¡“¬©∫—∫·°â‰¢...¡‘μ‘„À¡àª√–°—π¿—¬‰∑¬é ®—¥‚¥¬ ”π—°ß“π §≥–°√√¡°“√°”°—∫·≈– àß‡ √‘¡°“√ª√–°Õ∫∏ÿ√°‘®ª√–°—π¿—¬ ‡¡◊ËÕ«—π∑’Ë 12 æƒ…¿“§¡ 2551 ≥ »Ÿπ¬å°“√ª√–™ÿ¡·Ààß™“μ‘ ‘√‘°‘μ‘Ï Set up a booth to join the seminar on New Life Insurance Act organized by the Office of Insurance Commission on May 12, 2008 at the Sirikit Convention Center.

6.9 π— ∫ πÿ π °“√·¢à ß ¢— π °Õ≈å ø °“√°ÿ » ≈™‘ ß ∂â « ¬√“ß«— ≈ ª√–∑“π∑Ÿ ≈ °√–À¡à Õ ¡À≠‘ ß Õÿ ∫ ≈√— μ π√“™°— ≠ ≠“ ‘ √ ‘ « — ≤ π“ æ√√≥«¥’ ®—¥‚¥¬¡Ÿ≈π‘∏‘ “πΩíπ ∫√‘…—∑ øîπ—π´à“ª√–°—π™’«‘μ ®”°—¥ ®”π«π‡ß‘π 25,000 ∫“∑ ·¢àß¢—π‡¡◊ËÕ«—π∑’Ë 17 ∏—π«“§¡ 2550 Donated 25,000 Baht to support the Princess Ubol Ratana Trophy golf tournament organized by Saan Fun Foundation, Finansa Life Assurance Col., Ltd., on December 17, 2007.

6.6 π—∫ πÿπ«‘∑¬“°√ ‚¥¬ π“¬·æ∑¬å ¡™“¬ Õ—§√«‘‡π§ §≥–·æ∑¬å∑’Ëª√÷°…“ ¡“§¡ª√–°—π™’«‘μ‰∑¬ ‡ªìπºŸâ·∑π√à«¡ π∑π“„π√“¬°“√ ç™à«¬§‘¥ ™à«¬∑”é ∑“ß ∂“π’‚∑√∑—»πå ™àÕß 3 ‡¡◊ËÕ«—π∑’Ë 28 ¡’π“§¡ 2551 ‡æ◊ËÕª√–™“ —¡æ—π∏åß“π ç¡À°√√¡√«¡ æ≈§π√—°…å™’«‘μ(™’«“)é ®—¥‚¥¬ ∫√‘…—∑ “√–»‘≈ªá ‰∑¬∑—»πå ®”°—¥ Assigned Dr. Somchai Akaravinek, M.D., the member of TLAA Medical Advisory Board to be a guest speaker at a program broadcast on TV3 Channel to promote çPeople Who Love Their Lifeé event on March 28, 2008.

6.10 π—∫ πÿπ«‘∑¬“°√ ‚¥¬ π“¬®—°√°ƒ™ ∫ÿ≠‡°μÿ √Õßª√–∏“π §≥–Õπÿ°√√¡°“√ ‘π‰À¡ª√–°—π™’«‘μ ∫√√¬“¬„π°“√ —¡¡π“‡√◊ËÕß ç°“√®—¥°“√-°“√ª√–°—π ÿ¢¿“æ·≈–ª√–°—πÕÿ∫—μ‘‡Àμÿ à«π∫ÿ§§≈é ®—¥‚¥¬ ™¡√¡ª√–°—π¿—¬Õÿ∫—μ‘‡Àμÿ·≈– ÿ¢¿“æ §≥–Õπÿ°√√¡°“√ ª√–°—π¿—¬‡∫Á¥‡μ≈Á¥ ¡“§¡ª√–°—π«‘π“»¿—¬ ‡¡◊ÕË «—π∑’Ë 14 ∏—π«“§¡ 2550 ≥ ‚√ß·√¡ Swissotel Le Concorde °√ÿß‡∑æœ Assigned Mr. Chakrit Booket, Vice Chairperson of TLAA Claim Sub-Committee to be a speaker at a seminar on çManaging Health Insurance and PAé organized by Accident Insurance Club, the General Insurance Association on December 14, 2007 at the Swissotel Le Concorde Bangkok.

6.7 π—∫ πÿπ√à«¡‡ªìπ‡®â“¿“æ®—¥‡ «π“ ‡√◊ËÕß çºŸâº≈‘μ‰¡à√Ÿâ°Á ‡®äß ºŸâ∫√‘‚¿§‰¡à√Ÿâ°Áμ“¬é ®—¥‚¥¬ÀÕ°“√§â“‰∑¬·≈– ¿“ÀÕ°“√§â“ ·Ààßª√–‡∑»‰∑¬ ‡¡◊ËÕ«—π∑’Ë 13 ¡’π“§¡ 2551 ≥ ‚√ß·√¡¡‘√“‡§‘≈ ∂.«‘¿“«¥’ °√ÿß‡∑æœ π—∫ πÿπ‡ªìπ®”π«π‡ß‘π 20,000 ∫“∑ Joined and Co-Hosted a seminar on çIf Manufacturer Donût Know, They Would Go Bankrupt and If Consumers Donût Know, They Would Dieé organized by the Thai Chamber of Commerce on March 13, 2008 at the Miracle Hotel, Bangkok. TLAA donated 20,000 Baht to support the event. 6.8 ¡“§¡ª√–°—π™’«‘μ‰∑¬ ‚¥¬§≥–Õπÿ°√√¡°“√ ‘π‰À¡ ª√–°—π™’«‘μ √à«¡∫√‘®“§‡§√◊ËÕß∑”πÈ”√âÕπ-πÈ”‡¬Áπ ®”π«π 1 ‡§√◊ËÕß „Àâ°—∫‚√ßæ¬“∫“≈»√’π§√‘π∑√å ¡À“«‘∑¬“≈—¬¢Õπ·°àπ ®—ßÀ«—¥ ¢Õπ·°àπ ‡¡◊ËÕ«—π∑’Ë 8 °ÿ¡¿“æ—π∏å 2551 TLAA Claim Sub-Committee donated 1 unit of hot and Cold water maker to Srinakarin Hospital, Khon Kaen University, Khon Kaen on February 8, 2008.

6.11 π—∫ πÿπ‚¶…≥“ª√–™“ —¡æ—π∏å„πÀπ—ß ◊Õª√–™ÿ¡∑“ß «‘™“°“√¢Õß ¡“§¡®‘μ«‘∑¬“§«“¡¡—πË §ß·Ààßª√–‡∑»‰∑¬ §√—ßÈ ∑’Ë 37 ª√–®”ªï 2551 ‡√◊ËÕß ç°“√‡¡◊Õß ‡»√…∞°‘® ™’«‘μ§π‰∑¬ „§√ °”Àπ¥é ‡ªìπ®”π«π‡ß‘π 20,000 ∫“∑ ‡¡◊ÕË «—π∑’Ë 13 ∏—π«“§¡ 2550 Placed a 20,000 Baht advertisement in a meeting document published for a meeting on çWho Determine Politics, Economics, and the Lives of Thai Peopleé, by the Psychology for National Securities Association on December 13, 2007. 6.12 π—∫ πÿπ¢Õß√“ß«—≈æ‘‡»…®—∫©≈“° ”À√—∫ß“π‡≈’È¬ß ªï„À¡à‡æ◊ËÕ‡ªìπ¢«—≠·≈–°”≈—ß„®„Àâ°—∫æπ—°ß“πÀÕ°“√§â“‰∑¬·≈– ¿“ÀÕ°“√§â“·Ààßª√–‡∑»‰∑¬ ®”π«π‡ß‘π 1,500 ∫“∑ ‡¡◊ËÕ«—π∑’Ë 3 ∏—π«“§¡ 2551 Donated 1,500 Baht as a gift for prize drawing at a New Year Party for the staff of the Thai Chamber of Commerce on December 3, 2008.

6.13 π—∫ πÿπ«‘∑¬“°√∫√√¬“¬∑“ß«‘™“°“√ ‚¥¬ π“ß∫ÿ…√“ Õ÷Íß¿“°√≥å ºŸâÕ”π«¬°“√ ¡“§¡ª√–°—π™’«‘μ‰∑¬ ‡æ◊ËÕ√–¥¡·≈–√—∫ øíß§«“¡§‘¥‡ÀÁπ®“°ΩÉ“¬∑’Ë‡°’Ë¬«¢âÕß„π°“√æ—≤π“√–∫∫ª√–°—π ™’«‘μ„πª√–‡∑»‰∑¬ ®—¥‚¥¬ ∫√‘…—∑ »‘§√‘π∑√å ®”°—¥ (¡À“™π) ‡¡◊ËÕ «—π∑’Ë 6 æƒ»®‘°“¬π 2550 ≥ ‚√ßæ¬“∫“≈»‘§√‘π∑√å °√ÿß‡∑æœ Assigned a speaker by Mrs. Busara Ungphakorn, TLAA Director to speak and to exchange opinions on life insurance system in Thailand organized by Sikarin (Public) Co., Ltd., on November 6, 2007 at Sikarin Hospital, Bangkok. 6.14 π— ∫ πÿ π °“√ÕÕ°∫Ÿ ∏ · ¥ßπ‘ ∑ √√»°“√ °“√®— ¥ ß“π ç∑»«√√…·Ààß§«“¡·¢Áß·°√àß¢Õß ∂“∫—π°“√§â“‰∑¬é ‡æ◊ËÕ· ¥ß ∂÷ ß ∫∑∫“∑¢Õß ¡“§¡ Ÿ à “¬μ“¢Õß ¡“§¡°“√§â “ ·≈–∫ÿ § §≈ ∑—Ë«‰ª ®—¥‚¥¬°√¡æ—≤π“∏ÿ√°‘®°“√§â“ ‡¡◊ËÕ«—π∑’Ë 29 μÿ≈“§¡ 2550 ≥ ‚√ß·√¡‚´øî‡∑≈ ‡´Áπ∑“√“ ·°√π¥å °√ÿß‡∑æœ Set up an booth at an exhibition on çThe Decade of Strength for Thai Trade Organizationé to publicize the role of TLAA. The event was organized by the Department of Business Development on October 29, 2007 at the Sofitel Centara Grand Hotel, Bangkok.

6.15 π— ∫ πÿ π ‚§√ß°“√·¢à ß ¢— π μÕ∫ªí ≠ À“¥â “ π°“√‡ß‘ π ”À√—∫‡¬“«™π√–¥—∫ ¡.4 ¡.5 ç‡ß‘π∑Õß¡’§à“ : The Championé ª√–®”ªï 2551 ®—¥‚¥¬μ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ √à«¡°—∫ ”π—°ß“π§≥–°√√¡°“√°“√»÷°…“¢—πÈ æ◊πÈ ∞“π°√–∑√«ß»÷°…“∏‘°“√ ®”π«π‡ß‘π 1,000,000 ∫“∑ ‡¡◊ËÕ«—π∑’Ë 24 μÿ≈“§¡ 2550 ·≈– π—∫ πÿπ√“ß«—≈æ‘‡»… ”À√—∫ºŸâ‰¥â√—∫√“ß«—≈™π–‡≈‘» 10,000 ∫“∑ ·≈–√“ß«—≈™¡‡™¬ 3 √“ß«—≈ √“ß«—≈≈– 3,000 ∫“∑ ”À√—∫°“√·¢àß¢—π The Star of Insurance ´÷Ëß‰¥â¡’°“√®—¥¢÷Èπ‡¡◊ËÕ«—π∑’Ë 7 ∏—π«“§¡ 2550 ∑’Ë‚√ß‡√’¬πª√–∂¡ππ∑√’ °√ÿß‡∑æœ Donated 1,000,000.00 Baht to support a quiz program call çThe Champion 2008. organized by the Securities and Exchange of Thailand and the Basic Education Department to promote awareness and understanding on financial matters among secondary school children on October 24, 2007. TLAA also donated 10,000 Baht as a special award for the winner of the Star of Insurance, and 3 complimentary award of 3,000 Baht for each of the three runner-ups. The event was held at the Nonsi Elementary school on December 7, 2007.

Activities Implemented by TLAA During 2007 - 2008 6.16 π—∫ πÿπ°“√®—¥∫Ÿ∏°‘®°√√¡√≥√ß§å‡º¬·æ√à‚§√ß°“√ ç∫—≠™’‡ß‘πÕÕ¡ ‡æ◊ËÕ™’«‘μæÕ‡æ’¬ß μ“¡·π«æ√–√“™¥”√‘é ‡æ◊ËÕ √≥√ß§å‡º¬·æ√à§«“¡√Ÿâ‡°’Ë¬«°—∫°“√„™â®à“¬‡ß‘π °“√ √â“ß«‘π—¬ ∑“ß°“√‡ß‘π °“√‡°Á∫ÕÕ¡‡ß‘π ®—¥‚¥¬ ”π—°æ—≤π“ —ß§¡ ‡¡◊ËÕ«—π∑’Ë 22 μÿ≈“§¡ 2551 ≥ »Ÿπ¬å°“√§â“‡´Áπ∑√—≈‡«‘≈¥å Set up an exhibition booth to promote çSaving Account for Sufficient Life Pursuant to Royal Initiativeé organized by the Social Development Bureau on October 22, 2008 at the Central World Center.

6.20 π—∫ πÿπ‚§√ß°“√√≥√ß§åμ√«®«—¥§«“¡¥—π‚≈À‘μ∑—Ë« ‰∑¬ çμ√«®«—¥§«“¡¥—π ªÑÕß°—π¿—¬‡ß’¬∫é ‡æ◊ËÕ √â“ß®‘μ ”π÷°„Àâ ¥Ÿ·≈ ÿ¢¿“æ ªÑÕß°—π°àÕπ‡°‘¥‚√§ ‚¥¬‡©æ“–§«“¡¥—π‚≈À‘μ Ÿß∑’Ë ‡ªìπ “‡Àμÿ ”§—≠π”‰ª Ÿà°≈ÿà¡‚√§À—«„® ®—¥‚¥¬ °√¡ π—∫ πÿπ ∫√‘°“√ ÿ¢¿“æ °√–∑√«ß “∏“√≥ ÿ¢ ‡ªìπ®”π«π‡ß‘π 50,000 ∫“∑ Donated 50,000 Baht to support a campaign to promote awareness on the importance of having blood pressure checkup organized by Health Service Support Department, the Ministry of Commerce.

6.17 π— ∫ πÿ π §à “ ‚¶…≥“ ·≈–‡™à “ æ◊ È π ∑’ Ë „ π°“√®— ¥ · ¥ß π‘∑√√»°“√„π‚§√ß°“√ —¡¡π“√–¥—∫™“μ‘ ‡√◊ËÕß Õÿ∫—μ‘‡Àμÿ®√“®√ §√—Èß∑’Ë 8 ç∑âÕß∂‘Ëπ ™ÿ¡™π ∂ππª≈Õ¥¿—¬ √à«¡„®≈¥Õÿ∫—μ‘‡Àμÿé ®—¥‚¥¬ ”π—°ß“ππ‚¬∫“¬·≈–·ºπ°“√¢π àß·≈–®√“®√ ‡¡◊ÕË «—π∑’Ë 10-12 μÿ≈“§¡ 2550 ≥ Õ“§“√ 9 Õ‘¡·æÁ§ §Õπ‡«π™—Ëπ ‡´Áπ‡μÕ√å ‡¡◊Õß∑Õß∏“π’ ‡ªìπ®”π«π‡ß‘π 35,000 ∫“∑ Donated 35,000 Baht to support advertising and space rental cost at an event to prevent road accidents organized by the Office of Transportation and Traffic Policies Office on October 10-12, 2007 at Impact Convention Center, Muangthong Thani.

6.21 π—∫ πÿπ∫—μ√‡¢â“√à«¡ß“π Dinner Talk ‡æ◊ËÕ„Àâ§«“¡√Ÿâ·°à Õß§å°√·≈–ºŸâ∫√‘À“√¢Õß∫√‘…—∑„Àâ‡™à“´◊ÈÕ ºŸâ®”Àπà“¬√∂¬πμå ·≈– ºŸ‡â °’¬Ë «¢âÕß∑√“∫∂÷ß∑‘»∑“ß‡»√…∞°‘®¿“¬„πª√–‡∑» ®—¥‚¥¬ ¡“§¡ ∏ÿ√°‘®‡™à“´◊ÕÈ ‰∑¬ ®”π«π 2,500 ∫“∑ ‡¡◊ÕË «—π∑’Ë 18 °√°Æ“§¡ 2550 Donated 2,500 Baht to buy tickets for a çDinner Talké organized on July 18, 2007 by the Hire Purchase Association to educate the auto hire purchase companies and car dealers on the economic direction of Thailand.

6.18 π—∫ πÿπ¡Õ∫Àπ—ß ◊Õ §√ÿ¿—≥±å ™ÿ¥π—°‡√’¬π ∂ÿß‡∑â“ ‡ ◊ÈÕ °—πΩπ ·≈–∑ÿπÕ“À“√°≈“ß«—π ®”π«π 10,000 ∫“∑ √«¡‡ªìπ‡ß‘π ∑—Èß ‘Èπ 97,867 ∫“∑ „Àâ°—∫‚√ß‡√’¬π∫â“πÀ‘π«ß ®.™≈∫ÿ√’ ‡π◊ËÕß„π ‚Õ°“ °“√®—¥ß“π —¡¡π“ºŸ â ÕË◊ ¢à“«‡»√…∞°‘® ‡¡◊ÕË «—π∑’Ë 23 °—π¬“¬π 2550 ∑’Ë®—ßÀ«—¥™≈∫ÿ√’ Donated books, teaching material, uniforms and rain coats worth 97,867 Baht to Baan Hin Wong School in Cholburi Province after a press seminar on September 23, 2007. 6.19 „Àâ§«“¡√à«¡¡◊Õ ª√– “πß“π°—∫∫√‘…∑— ª√–°—π™’«μ‘ °√≥’ Õÿ∫—μ‘‡Àμÿ “¬°“√∫‘π «—π ∑Ÿ ‚° ‡¡◊ËÕ«—π∑’Ë 16 °—π¬“¬π 2550 Coordinated with member companies to provide assistance for victims of the One-Two-Go plane crash in Phuket on September 16, 2007.

6.22 π—∫ πÿπ/‡º¬·æ√àÀπ—ß ◊Õ√Õ∫√Ÿâ‡√◊ËÕßª√–°—π™’«‘μ ·≈– §Ÿà¡◊Õ°“√ª√–°—π™’«‘μ°≈ÿà¡„Àâ°—∫∫√‘…—∑ª√–°—π™’«‘μ·≈– ”π—°ß“π “¢“„πμà“ß®—ßÀ«—¥ ”π—°ß“π§≥–°√√¡°“√°”°—∫·≈– àß‡ √‘¡ °“√ª√–°Õ∫∏ÿ√°‘®ª√–°—π¿—¬ à«π¿Ÿ¡‘¿“§ ”π—°ß“πμ—«·∑π À√◊Õ Àπà«¬ß“πÕ◊Ëπ∑’Ëª√– ß§å®–π”Àπ—ß ◊Õ¥—ß°≈à“«‡æ◊ËÕ‡º¬·æ√à§«“¡√Ÿâ ‡°’Ë¬«°—∫°“√ª√–°—π™’«‘μ„Àâ°—∫ª√–™“™π Published books and manual on life insurance knowledge to be distributed to life insurance companies, the Provincial Insurance Offices of the Office of Insurance Commission, agent offices throughout the country and other interested agencies. 6.23 ª√– “πß“π°—∫∫√‘…—∑ ¡“™‘°„π°“√μ√«® Õ∫°“√∑” ª√–°—π™’«‘μ„Àâ°—∫ª√–™“™π∑—Ë«‰ª∑’Ë¡’Àπ—ß ◊Õ∂÷ß ¡“§¡‡æ◊ËÕ¢Õ §«“¡√à«¡¡◊Õ„π°“√μ√«® Õ∫°“√∑”ª√–°—π™’«‘μ Coordinated with member companies to check insurance records of some insured who asked TLAA check facts related to their insurance.

6.24 π— ∫ πÿ π §à “ „™â ® à “ ¬„π°“√¥”‡π‘ π ß“π¢Õß ¡“§¡ π— ° §≥‘ μ »“ μ√å ª √–°— π ¿— ¬ ·Àà ß ª√–‡∑»‰∑¬ ‡ªì π ‡ß‘ π ®”π«π 1,000,000 ∫“∑ Donated 1,000,000 Baht to support the activities and operations of the Thai Actuary Society.

7. °“√æ—≤π“∏ÿ√°‘®ª√–°—π™’«‘μ Development of Life Insurance Business. 7.1 ‡ πÕ°√–∑√«ß°“√§≈—ßæ‘®“√≥“ª√–‡¥Áπ¿“…’∑’Ë‡°’Ë¬«°—∫ °“√ª√–°Õ∫∏ÿ√°‘®ª√–°—π™’«‘μ ´÷Ëß‰¥â‡ πÕ„Àâ¡’°“√ª√—∫ª√ÿß ¡“μ√°“√∑“ß¥â“π¿“…’∑’Ë‡°’Ë¬«°—∫∏ÿ√°‘®ª√–°—π™’«‘μ 4 ª√–‡¥Áπ ¥—ßπ’È 1) ‡ πÕ„Àâæ‘®“√≥“‡æ‘Ë¡§à“≈¥À¬àÕπ¿“…’‡ß‘π‰¥â ”À√—∫‡∫’È¬ ª√–°—π™’«‘μ®“° 50,000 ∫“∑ ‡ªìπ 300,000 ∫“∑ 2) ‡ πÕ„Àâæ‘®“√≥“¬°‡«âπ‡∫’È¬ª√–°—π™’«‘μ°≈ÿà¡∑’Ëπ“¬®â“ß ®à“¬‡ªìπ «— ¥‘°“√·°à≈°Ÿ ®â“ß ‰¡àμÕâ ßπ”‰ª√«¡‡ªìπ√“¬‰¥â¢Õß≈Ÿ°®â“ß 3) ‡ πÕ„Àâ¡°’ “√§”π«≥‡ß‘π ”√Õßª√–°—π¿—¬μ“¡À≈—°‡°≥±å ¢Õßπ—°§≥‘μ»“ μ√åª√–°—π¿—¬ ´÷Ëß®”‡ªìπμâÕß¡’°“√·°â‰¢ª√–¡«≈ √—…Æ“°√¡“μ√“ 65 μ√’ (1) °. 4) ‡ πÕ„Àâæ‘®“√≥“¬°‡«âπμ—«·∑πª√–°—π™’«‘μ‡¢â“ Ÿà√–∫∫ °“√®—¥‡°Á∫¿“…’¡Ÿ≈§à“‡æ‘Ë¡ Proposed the Ministry of Finance to carry a change or reform on the following 4 areas of taxation that affect life insurance Business. 1) An increase of tax deductible on premium from 50,000 Baht to 300,000 Baht. 2) A tax exemption for group insurance plan that the employers buy for their employees. The Revenue Department currently treats this employee welfare as taxable income. 3) Proposed an amendment to Section 65 (tri) of the Revenue Code so the calculation of insurance reserve is based on actuarial basis only. 4) Abolition of VAT tax on agents whose income reached certain level.

7.2 ‡ πÕ∏π“§“√·Ààßª√–‡∑»‰∑¬æ‘®“√≥“ π—∫ πÿπ°“√ „™â·À≈àß‡ß‘π∑ÿπ¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ„π‚§√ß°“√‡æ◊ËÕ°“√æ—≤π“ ª√–‡∑» Submitted a proposal to the Bank of Thailand to support the use of financial resource of life insurance business for implementation of mega-projects. 7.3 ‡ πÕ§«“¡‡ÀÁπμàÕ°“√æ‘®“√≥“®—¥∑”√à“ßæ√–√“™∫—≠≠—μ‘ §≥–°√√¡°“√°”°—∫·≈– àß‡ √‘¡°“√ª√–°Õ∫∏ÿ√°‘®ª√–°—π¿—¬ (§ª¿.) Provided opinions on the drafting of the Office of Insurance Commission Act. 7.4 ‡ πÕ§«“¡‡ÀÁπμàÕ°“√æ‘®“√≥“®—¥∑”√à“ßæ√–√“™∫—≠≠—μ‘ ª√–°—π™’«‘μ (©∫—∫∑’Ë...) æ.»... Provided opinions on the drafting of the new Life Insurance Act. 7.5 · ¥ß§«“¡§‘¥‡ÀÁπ‡°’Ë¬«°—∫·∫∫®”≈Õß (Model) ‡æ◊ËÕ °”Àπ¥§à“Õâ“ßÕ‘ß„π°“√§”π«≥√–¥—∫‡ß‘π°Õß∑ÿπ (Parameter À√◊Õ Risk weight) ”À√—∫§«“¡‡ ’Ë¬ß®“°°“√√—∫ª√–°—π™’«‘μ (Life insurance risk) μ“¡‚§√ß°“√°”Àπ¥√–¥—∫§«“¡‡æ’¬ßæÕ¢Õß‡ß‘π °Õß∑ÿπ¢Õß∏ÿ√°‘®ª√–°—π¿—¬μ“¡√–¥—∫§«“¡‡ ’Ë¬ß (Risk-Based Capital Adequacy) ´÷Ëßπ”‡ πÕ‚¥¬ ».¥√. Õ—≠≠“ ¢—π∏«‘∑¬å ‡¡◊ËÕ «—π∑’Ë 11 °√°Æ“§¡ 2550 Provided feedbacks on the preparation of model to set the parameter or risk weight to be used as reference for risk-based capital adequacy, presented by Prof. Dr. Anya Khanthavit on July 11, 2007. 7.6 °“√‡¢â“æ∫À“√◊Õ°—∫·æ∑¬ ¿“ ‡æ◊ËÕ·°âªí≠À“‡°’Ë¬«°—∫ ‡√◊ËÕß°“√°√–∑”º‘¥/°“√‡¢’¬π‡§≈¡¢Õß·æ∑¬å „Àâ°—∫ºŸâ‡Õ“ª√–°—π ™’«‘μ∑’Ë‰¡à¡’°“√‡®Á∫ªÉ«¬®√‘ß ‚¥¬√«¡¡“°—∫§à“√—°…“æ¬“∫“≈ Arranged a meeting with the Medical Profession Council for a consultation on how to solve a problem related to fraudulent claim for illness compensation.

Activities Implemented by TLAA During 2007 - 2008 7.7 „πªí®®ÿ∫—π∫√‘…—∑ ¡“™‘°‰¥â¡’°“√ª√–°—π¿—¬√à«¡¡“°¢÷Èπ ®÷ ß ¢Õ§«“¡√à « ¡¡◊ Õ „Àâ ∫ √‘ … — ∑ ¡“™‘ ° à ß √“¬™◊ Ë Õ ºŸ â ª √– “πß“π Contact Point ∫√‘…—∑≈– 1 §π æ√âÕ¡°—∫¢Õ§«“¡√à«¡¡◊Õ„π°“√ √à«¡°—π°”Àπ¥·∫∫øÕ√å¡°“√‡™Á§ª√–°—π¿—¬√à«¡ ‡æ◊ËÕ„Àâ∫√‘…—∑ ¡“™‘°„™â„π°“√‡™Á§ª√–°—π¿—¬√à«¡‰¥â –¥«°¡“°¢÷Èπ In response to an increase in number of companies that jointly issue insurance contract, TLAA has asked member companies to provide a list of contact persons and to design a standard form in order to facilitate a process to check coinsurance. 7.8 ®—¥∑”‚ª√·°√¡ ”À√—∫∫—π∑÷°¢âÕ¡Ÿ≈≈â¡≈–≈“¬/¬°‡≈‘° ≈â¡≈–≈“¬ „Àâ¡’§«“¡ Õ¥§≈âÕß°—π°—∫ MIB ‡æ◊ËÕ„Àâ∫√‘…—∑ ¡“™‘° “¡“√∂„™â¢âÕ¡Ÿ≈ –¥«°¢÷Èπ Developed a program to maintain records on bankruptcy and cancellation of bankrupted status to be in conform with the MIB. 7.9 ‡ πÕ§«“¡‡ÀÁπ„π°“√ª√—∫ª√ÿß·∫∫øÕ√å¡°≈“ß‡æ◊ËÕ„™â „πß“πª√–°—π¿—¬ (·æ∑¬ ¿“) Provided opinions on how to improve standard insurance form (Medical Council) 7.10 ¢âÕ‡ πÕ·π–„π°“√·°â‰¢ª√—∫ª√ÿß√à“ßª√–°“»°√¡°“√ ª√–°—π¿—¬ ‡√◊ËÕß À≈—°‡°≥±å «‘∏’°“√®—¥μ—Èß ·≈–°“√¥”‡π‘π°“√ Àπà«¬√—∫‡√◊ËÕß√âÕß‡√’¬π Provide recommendations on how an improvement on the OIC Notification on Establishment of Complaint Unit in Life Insurance Companies. 7.11 ‡ πÕ¢Õ·°â‰¢ª√–°“»≈ß∑ÿπ à«π∑’Ë 15 ‡ß◊ËÕπ‰¢°“√∑” ∏ÿ√°√√¡´◊ÈÕÀ√◊Õ¢“¬À≈—°∑√—æ¬å‚¥¬¡’ —≠≠“¢“¬À√◊Õ´◊ÈÕ§◊π ∑—Èßπ’È ‰¥â‡ πÕ¢Õ·°â‰¢„π à«π¢Õß°“√μ’¡Ÿ≈§à“„Àâ‡ªìπ‰ªμ“¡√“§“μ≈“¥ ¿“¬„μâ‡ß◊ËÕπ‰¢¢Õß∏π“§“√·Ààßª√–‡∑»‰∑¬ Requested the OIC to adjust certain provision in Section 15 of the Investment Notification in order to enable companies to engage in securities trading. TLAA requested that the value should be based on the market price as practiced by the Bank of Thailand.

7.12 ‡ πÕ§«“¡‡ÀÁπ‡°’Ë¬«°—∫À≈—°‡°≥±å°“√„Àâ§«“¡‡ÀÁπ ™Õ∫°“√ª√–°— π ™’ « ‘ μ ·∫∫™”√–‡∫’ È ¬ ª√–°— π ¿— ¬ §√— È ß ‡¥’ ¬ « ´÷ Ë ß ª√–°Õ∫‰ª¥â«¬ (1) ·∫∫·≈–¢âÕ§«“¡¢Õß°√¡∏√√¡åª√–°—π™’«‘μ ª√–‡¿∑ “¡—≠ ∑’Ë™”√–‡∫’È¬ª√–°—π¿—¬§√—Èß‡¥’¬« ©∫—∫¡“μ√∞“π (2) À≈—°‡°≥±å°“√„Àâ§«“¡‡ÀÁπ™Õ∫ ·∫∫·≈–¢âÕ§«“¡°“√®à“¬ º≈ª√–‚¬™πåμ“¡°√¡∏√√¡åª√–°—π¿—¬·≈–Õ—μ√“‡∫’È¬ª√–°—π¿—¬ ”À√—∫°“√ª√–°—π™’«‘μ∑’Ë™”√–‡∫’È¬ª√–°—π¿—¬§√—Èß‡¥’¬« (3) √à“ß À≈—°‡°≥±å°“√°”Àπ¥Õ—μ√“‡ß‘π§à“‡«π§◊π°√¡∏√√¡åª√–°—π¿—¬ ·≈–‡ß◊ËÕπ‰¢°“√®à“¬‡ß‘π Proposed the criteria used by the OIC to approve the following single-premium product (1) standard provision of ordinary life single premium product (2) Criteria for approving the form and wording of single premium life insurance product. (3) the drafted criteria for setting surrender value and payment conditions. 7.13 ‡ πÕ„Àâ ∏ π“§“√·Àà ß ª√–‡∑»‰∑¬·°â ‰ ¢§” — Ë ß °√≥’ ∑ ’ Ë ∫√‘…—∑ª√–°—π™’«‘μ„Àâ≈Ÿ°§â“‡ªìπºŸâ°Ÿâ¬◊¡‡ß‘πμ“¡°√¡∏√√¡åª√–°—π ™’«‘μ ∂◊Õ«à“‡ªìπ°“√„Àâ ‘π‡™◊ËÕ·°à≈Ÿ°§â“μ“¡æ√–√“™∫—≠≠—μ‘°“√ ª√–°Õ∫∏ÿ√°‘®¢âÕ¡Ÿ≈‡§√¥‘μ ¥—ßπ—Èπ ¡“™‘°®÷ß¡’Àπâ“∑’Ë„π°“√π” àß¢âÕ¡Ÿ≈¥—ß°≈à“«·°à∫√‘…—∑¢âÕ¡Ÿ≈‡§√¥‘μ ´÷Ëßª√–‡¥Áπ¥—ß°≈à“« ‡ªìπ°“√°Ÿâ¬◊¡‡ß‘πμ“¡°√¡∏√√¡åª√–°—π™’«‘μ ®÷ß‰¡à§«√·®âß∫√‘…—∑ ¢âÕ¡Ÿ≈‡§√¥‘μ ‡π◊ËÕß®“°¡’°“√®à“¬Õ—μ√“¥Õ°‡∫’È¬·μ°μà“ß®“°°“√ °Ÿâ¬◊¡‡ß‘π‚¥¬∑—Ë«‰ª Proposed to the Bank of Thailand that life insurance companies should not be subject to the requirement to submit policy loan information to the credit bureau because this type of loan is different from those of bank loans and interest payment is also different. 7.14 ®—¥∑” √à“ßÀ≈—°‡°≥±å °“√ªØ‘∫—μ‘ß“π°“√‡ πÕ¢“¬ ª√–°—π™’«‘μºà“π∑“ß‚∑√»—æ∑å‚¥¬μ—«·∑πª√–°—π™’«‘μÀ√◊Õπ“¬Àπâ“ ª√–°—π™’«‘μ ‡æ◊ËÕ„Àâ∫√‘…—∑ª√–°—π™’«‘μπ”‰ªªØ‘∫—μ‘‡ªìπ¡“μ√∞“π ‡¥’¬«°—π Drafted a standard guideline to be used in tele-marketing of life insurance products by agent or brokers.

7.15 ‡ πÕ¢Õ·°â‰¢ª√–°“»°√–∑√«ßæ“≥‘™¬å ‡√◊ÕË ß °“√≈ß∑ÿπ ª√–°Õ∫∏ÿ√°‘®Õ◊Ëπ¢Õß∫√‘…—∑ª√–°—π™’«‘μ Proposed an amendment to the Investment Notification issued by the Ministry of Commerce. 7.16 ‡ πÕ§«“¡‡ÀÁπ„π°“√ª√—∫ª√ÿß·ºπæ—≤π“°“√ª√–°—π¿—¬ ©∫—∫∑’Ë 1 (æ.». 2549-2554) ¢Õß ”π—°ß“π §ª¿. Provided opinions on Insurance Business Development Master Plan (2006-2011) to the Office on Insurance Commission. 7.17 ®—¥ ç —≠®√‡¬’Ë¬¡·æ∑¬å/‚√ßæ¬“∫“≈é ª√–®”ªï 25502551 ´÷Ëß‡ªìπ‚√ßæ¬“∫“≈∑’Ë¡’·æ∑¬å·μàßμ—Èß¢Õß ¡“§¡ ®”π«π 3 ¿“§ ¿“§≈– 4 ‚√ßæ¬“∫“≈ §◊Õ ¿“§‡Àπ◊Õ ®—ßÀ«—¥‡™’¬ß„À¡à √–À«à“ß«—π∑’Ë 31 ¡.§. - 1 °.æ. 2551 ¿“§μ–«—πÕÕ°‡©’¬ß‡Àπ◊Õ ®—ßÀ«—¥Õÿ∫≈√“™∏“π’ √–À«à“ß«—π∑’Ë 6-7 ¡’.§. 2551 ¿“§„μâ Õ”‡¿ÕÀ“¥„À≠à ®—ßÀ«—¥ ß¢≈“ √–À«à“ß«—π∑’Ë 3-4 ‡¡.¬. 2551 ‡æ◊ËÕ®–‰¥â√—∫∑√“∫‡°’Ë¬«°—∫·π«∑“ß°“√ªØ‘∫—μ‘ß“π¢Õß·μà≈– ‚√ßæ¬“∫“≈ ´÷ËßÕ“®®–¡’·π«∑“ß°“√ªØ‘∫—μ‘∫“ßª√–°“√∑’Ë‰¥â μ√«®√—°…“§π‰¢â∑’Ë‡ªìπºŸâ‡Õ“ª√–°—π¿—¬ ‰¡àμ√ßμ“¡«—μ∂ÿª√– ß§å ¢Õß°“√ª√–°—π™’«‘μ Organized field trips to visit doctors and hospitals that have doctors appointed by TLAA in 3 regions (4 hospital in each region). The North: Chaingmai, January 31 to February 1, 2008 The Northeast: Ubol, March 6-7, 2008 The South: Haad Yai, Songkhla, April 3-4, 2008 The purpose of the field trip is to learn about the practices, adopted by each hospital in order to ensure that their practices are in line with the objectives of having insurance protection.

7.18 ®—¥ —¡¡π“‡™‘ßªØ‘∫—μ‘°“√ ‡√◊ËÕß ç·π«∑“ß°“√§—¥‡≈◊Õ° μ—«·∑π∑’Ë¡’§ÿ≥¿“æ„Àâ Õ¥§≈âÕß°—∫ æ.√.∫. ©∫—∫„À¡àé ‡°’Ë¬«°—∫ §ÿ≥ ¡∫—μ‘ ·≈–§«“¡√—∫º‘¥™Õ∫¢Õßμ—«·∑πª√–°—π™’«‘μ °“√¢Õ μàÕ„∫Õπÿ≠“μ·≈–°“√‡æ‘°∂Õπ„∫Õπÿ≠“μμ—«·∑πª√–°—π™’«‘μ ´÷Ëß ‰¥â°”Àπ¥®—¥ —¡¡π“√–À«à“ß«—π∑’Ë 6-7 ¡’π“§¡ 2551 ∑’Ë®—ßÀ«—¥ π§√π“¬° Organized a workshop on çGuidelines for Recruiting Agents Whose Qualifications Are In Compliance with Requirements in the New Life Insurance Acté at Nakhon Nayok Province between March 6-7, 2008. 7.19 ‡ πÕ§«“¡‡ÀÁπ‡°’Ë¬«°—∫‡√◊ËÕß À≈—°‡°≥±å «‘∏’°“√ ·≈– Õ—μ√“‡ß‘π ¡∑∫∑’Ë∫√‘…—∑ª√–°—π«‘π“»¿—¬ ∫√‘…—∑ª√–°—π™’«‘μ μâÕß π” àß„Àâ·°à ”π—°ß“π§≥–°√√¡°“√°”°—∫·≈– àß‡ √‘¡°“√ª√–°Õ∫ ∏ÿ√°‘®ª√–°—π¿—¬ Provided opinions on the regulation on criteria and methods for remitting the contribution levy to the Office of Insurance Commission. 7.20 ‡ πÕ§«“¡‡ÀÁπμàÕ√à“ßª√–°“» ”π—°ß“π §ª¿. ‡√◊ËÕß À≈—°‡°≥±å «‘∏’°“√ ·≈–‡ß◊ËÕπ‰¢„π°“√®—¥ √√ ‘π∑√—æ¬å‰«â ”À√—∫ Àπ’È ‘π·≈–¿“√–ºŸ°æ—πμ“¡ —≠≠“ª√–°—π™’«‘μ æ.». 2551 Proposed opinions to the OIC on the drafted regulation on allocation of assets to back up liabilities and policy obligations. 7.21 ‡ πÕ§«“¡‡ÀÁπμàÕ√à“ß APEC Privacy Framework „π ∞“π–∑’Ë‰∑¬‡ªìπ à«πÀπ÷Ëß¢Õß‡Õ‡ª§ ´÷Ëß®–‡ªìπ·π«∑“ß°“√ªØ‘∫—μ‘ ∑’Ë¥’‡°’Ë¬«°—∫°“√π”¢âÕ¡Ÿ≈ à«π∫ÿ§§≈‰ª„™â Provided opinions on APEC Privacy Framework which will become a standard guideline for the use of private information.

Activities Implemented by TLAA During 2007 - 2008 7.22 ‡ πÕ§«“¡‡ÀÁπ‡°’Ë¬«°—∫ ç√à“ßª√–°“»‡°’Ë¬«°—∫π—° §≥‘μ»“ μ√åª√–°—π¿—¬é „Àâ ”π—°ß“π §ª¿. æ‘®“√≥“ª√—∫ª√ÿß ·°â‰¢„Àâ¡’§«“¡‡À¡“– ¡ Õ¥§≈âÕß°—∫§«“¡‡ªìπ®√‘ß·≈– “¡“√∂ ªØ‘∫—μ‘‰¥â Proposed opinions to the OIC on the drafted regulation on insurance actuarial profession to ensure that they are practical.

7.24 ‡ πÕ§«“¡§‘¥‡ÀÁπ‡°’¬Ë «°—∫√à“ß°Æ°√–∑√«ß √à“ßª√–°“» §≥–°√√¡°“√°”°—∫·≈– àß‡ √‘¡°“√ª√–°Õ∫∏ÿ√°‘®ª√–°—π¿—¬ ·≈– √à“ß·π«∑“ß„π°“√μ√«® Õ∫·≈–°”°—∫∫√‘…—∑ª√–°—π¿—¬ √«¡∑—Èß §à“∏√√¡‡π’¬¡ª√–°—π™’«‘μ Propose opinions on the drafted ministerial rules, the Commissionerûs Notification and the guideline for auditing and regulating life insurance companies, including life insurance fee. 7.25 ‡ πÕ§«“¡‡ÀÁπ‡°’Ë¬«°—∫√à“ß§” —Ëßπ“¬∑–‡∫’¬π ‡√◊ËÕß °“√„Àâ§«“¡‡ÀÁπ™Õ∫·∫∫·≈–¢âÕ§«“¡°√¡∏√√¡åª√–°—π™’«‘μ ª√–‡¿∑ “¡—≠ ∑’Ë™”√–‡∫’È¬ª√–°—π¿—¬§√—Èß‡¥’¬« ©∫—∫¡“μ√∞“π ‡©æ“–‡ß◊ËÕπ‰¢‡°’Ë¬«°—∫°“√®à“¬‡ß‘π§◊π°√≥’ºŸâ‡Õ“ª√–°—π¿—¬∂Ÿ°ºŸâ√—∫ ª√–‚¬™πå¶à“μ“¬‚¥¬‡®μπ“ Proposed opinions on the drafted Commissioner Order on the approval process for the standard form and wordings of ordinary single premium life insurance policy, particularly on a condition related to the conditions for benefit payment of the insured who were intentionally murdered. 7.26 ™’È·®ß‡®μπ“√¡≥åμàÕ ”π—°ß“π§≥–°√√¡°“√°”°—∫ ·≈– àß‡ √‘¡°“√ª√–°Õ∫∏ÿ√°‘®ª√–°—π¿—¬‚¥¬‡√Á« æ√âÕ¡∑—Èß¡’ Àπ—ß ◊Õ·®âß‡«’¬π∫√‘…—∑ ¡“™‘°¢Õ§«“¡√à«¡¡◊Õ„π°“√À¬ÿ¥¢“¬ º≈‘μ¿—≥±å∑’Ë¡’§”«à“ çTAXé ª√“°ØÕ¬Ÿà„π™◊ËÕ·∫∫ Informed member companies of the real intention of the Office of Insurance Commission for allowing tax deduction on premium and asked member companies to stop using the word çTaxé as a part of the product name.

7.23 ‡ πÕ§«“¡‡ÀÁπ‡°’Ë¬«°—∫ °“√∑’Ë ”π—°ß“π §ª¿. ¬°‡≈‘° ¡ÿ¥∑–‡∫’¬π‡°’Ë¬«°—∫∏ÿ√°‘®ª√–°—π™’«‘μ 12 ‡≈à¡ ·≈–∫√‘…—∑®–μâÕß ®—¥∑” ¡ÿ¥∑–‡∫’¬π„ÀâÕ¬Ÿà„π√ŸªÕ‘‡≈Á°∑√Õπ‘° ‡æ◊ËÕ§«“¡ –¥«°„π °“√ªØ‘∫—μ‘ß“π¢Õß∫√‘…—∑ª√–°—π™’«‘μ Proposed opinions on the OIC plan to cancel the use of 12 life insurance registration book and replace them with electronic versions.

7.27 ‡ πÕ§«“¡‡ÀÁπ‡æ◊ËÕª√–°Õ∫°“√æ‘®“√≥“√à“ßæ√–√“™ ∫—≠≠—μ‘§ÿâ¡§√Õß¢âÕ¡Ÿ≈ à«π∫ÿ§§≈ æ.». ... ¢Õß ”π—°ß“πª≈—¥ ”π—°π“¬°√—∞¡πμ√’ ‚¥¬ ”π—°§≥–°√√¡°“√¢âÕ¡Ÿ≈¢à“« “√∑“ß √“™°“√ Provided opinions on the drafted çPrivate Information Protection Acté, sponsored by the Office of Official Information Board, the Office of the Prime Minister.

7.28 ‡ πÕ§«“¡‡ÀÁπ‡°’Ë¬«°—∫√Ÿª·∫∫°√¡∏√√¡åª√–°—π™’«‘μ∑’Ë ®–‰¥â√—∫ ‘∑∏‘≈¥À¬àÕπ¿“…’‡ß‘π‰¥â®“°‡∫’È¬ª√–°—π™’«‘μ∂÷ß ”π—°ß“π §ª¿. ‡æ◊ËÕ‡ªìπ°“√ π—∫ πÿππ‚¬∫“¬°“√°√–μÿâπ‡»√…∞°‘® ‚¥¬ °“√„Àâª√–™“™π “¡“√∂π”‡∫’È¬ª√–°—π™’«‘μ¡“≈¥À¬àÕπ¿“…’‡ß‘π ‰¥â «à π∫ÿ§§≈®”π«π 100,000 ∫“∑ ®÷ß‰¥âπ”‡ πÕ√Ÿª·∫∫°√¡∏√√¡å ª√–°—π™’«‘μ„Àâ¡’¡“μ√∞“π‡¥’¬«°—π Proposed opinions to the OIC on the appropriate features of life insurance products whose premium is tax deductible. In order to support economic stimulus policy, the insureds are allowed a total of 100,000 Baht tax deduction on the premium they paid. The business sector felt that tax deductible product should be in the same standard. 7.29 »÷°…“√“¬≈–‡Õ’¬¥μà“ßÊ º≈‘μ¿—≥±å¢Õß∏ÿ√°‘®ª√–°—π «‘π“»¿—¬∑’Ë∑—∫´âÕπ°—∫¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ·≈–¡’º≈°√–∑∫μàÕ º≈‘μ¿—≥±å¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ ‡æ◊ËÕ®–‰¥âÀ“·π«∑“ß„π°“√·°â‰¢ ªí≠À“μàÕ‰ª Conducted a study on features of insurance products being offered by life and non-life companies which are overlapping and affecting the sales of life insurance product. The purpose is to find a way to solve the problem.

8. °“√ª√—∫ª√ÿß°“√∫√‘À“√ß“π¢Õß ¡“§¡ Administrative and Office Improvements 8.1 ®—¥´◊ÈÕ∑’Ë¥‘π¢â“ß∑’Ë∑”°“√ ¡“§¡ª√–°—π™’«‘μ‰∑¬ ‡æ◊ËÕ °àÕ √â“ßÕ“§“√∑’Ë∑”°“√„À¡à „Àâ “¡“√∂√Õß√—∫°“√¢¬“¬ß“π¢Õß ¡“§¡„πªí®®ÿ∫π— ∑’¡Ë ¡’ “°¢÷πÈ ‡æ◊ÕË §«“¡§≈àÕßμ—«„π°“√∫√‘À“√ß“π ¥â“πμà“ßÊ Purchased the land adjacent to TLAA office as part of the plan to build new and bigger office building. 8.2 ‡æ‘Ë¡«ß‡ß‘π ¥¬àÕ¬¢Õß ¡“§¡ª√–°—π™’«‘μ‰∑¬®“°‡¥‘¡ 20,000 ∫“∑ ‡ªìπ 40,000 ∫“∑¢÷Èπ ‡æ◊ËÕ§«“¡§≈àÕßμ—«„π°“√ ∫√‘À“√ß“π¥â“π°“√‡ß‘π Increased an amount of petty cash from 20,000 Baht to 40,000 Baht.

8.3 ª√—∫‡ª≈’Ë¬π„™â∫√‘°“√∏ÿ√°√√¡∑“ß°“√‡ß‘π¢Õß∏π“§“√ °√ÿß‰∑¬ ´÷Ëß‰¥âæ—≤π“√–∫∫ New Corporate Banking ∑¥·∑π √–∫∫‡¥‘¡ §◊Õ Corporate Online ·≈– Corporate Banking on Lotus Notes ‡æ◊ËÕ§«“¡ –¥«°„π°“√∑”∏ÿ√°√√¡∑“ß°“√‡ß‘π·≈–‡ªìπ°“√ ª√—∫ª√ÿß√–∫∫°“√ªØ‘∫—μ‘ß“π∑“ß°“√‡ß‘π¢Õß ¡“§¡„Àâ¡’§«“¡ ∑—π ¡—¬¡“°¢÷Èπ Adjusted to financial transaction of the Krungthai Bankûs new corporate banking system that replaced corporate online and corporate banking on Lotus Notes in order to facilitate financial transaction of TLAA. 8.4 °”Àπ¥√–‡∫’¬∫¡“μ√∞“π§à“μÕ∫·∑π«‘∑¬“°√„πß“π —¡¡π“¢Õß ¡“§¡ „Àâ¡’·π«∑“ß°“√‡∫‘°®à“¬Õ—μ√“§à“μÕ∫·∑π «‘∑¬“°√„πÕ—μ√“‡¥’¬«°—π Set new standard for the renumeration rate for seminar or lecture guest speakers. 8.5 ¥”‡π‘ π °“√ à ß μ— « ‡≈¢„Àâ ° — ∫ ¡“§¡ª√–°— π ™’ « ‘ μ ‰∑¬ ª√–¡«≈º≈ ¡’ ° “√≈ß∫— π ∑÷ ° μ— « ‡≈¢·∫∫À≈“°À≈“¬‰¡à ‡ ªì π ·π«∑“ß‡¥’¬«°—π ‡æ◊ËÕ„Àâμ—«‡≈¢¡’§«“¡πà“‡™◊ËÕ∂◊Õ¡“°¬‘Ëß¢÷Èπ Provided statistical figures to TLAA for processing and standardizing entry process to ensure an accuracy of the figure. 8.6 ª√—∫ª√ÿß°“√√“¬ß“πμ—«‡≈¢¢âÕ¡Ÿ≈ ∂‘μ‘‡∫’È¬ª√–°—π¿—¬√—∫ √“¬‡¥◊Õπ (ª™.1-2) ¢Õß∫√‘…—∑ ¡“™‘°„Àâ¡’°“√√“¬ß“πμ—«‡≈¢„π ·π«∑“ß‡¥’¬«°—π ‡æ◊ËÕ§«“¡πà“‡™◊ËÕ∂◊Õ¢Õß¢âÕ¡Ÿ≈∑’Ë®–π”‰ª„™â ª√–‚¬™πå„π°“√«“ß°≈¬ÿ∑∏å∑“ß°“√μ≈“¥¢Õß∫√‘…—∑ª√–°—π™’«‘μ μàÕ‰ª Improved the monthly business statistic report (Por Chor 12) to ensure that the business reports of member companies are prepared on the same standard and can be used for formulating marketing strategies. 8.7 ª√—∫ª√ÿß«‘∏’°“√®—¥ àß√“¬ß“π ∂‘μ‘°“√ Õ∫§«“¡√Ÿâ‡æ◊ËÕ ¢Õ√—∫„∫Õπÿ≠“μ‡ªìπμ—«·∑πª√–°—π™’«‘μ „Àâ°—∫∫√‘…—∑ ¡“™‘° Improved the system to submit reports on agency license examination to member companies.

Activities Implemented by TLAA During 2007 - 2008 8.9 ª√—∫ª√ÿß√–‡∫’¬∫ªØ‘∫μ— «‘ “à ¥â«¬°“√®à“¬‡∫’¬È ‡≈’¬È ß‡¥‘π∑“ß °“√‰ªªØ‘ ∫ — μ ‘ ß “π¢Õßæπ— ° ß“π ¡“§¡ª√–°— π ™’ « ‘ μ ‰∑¬ „Àâ ¡ ’ §«“¡‡À¡“– ¡‡ªìπ∏√√¡¡“°¢÷Èπ Improved practical guidelines on travel allowance payment for staff. 8.10 ª√—∫ª√ÿß√–‡∫’¬∫«à“¥â«¬°“√„Àâ «— ¥‘°“√¥â“πμà“ßÊ ·°à æπ—°ß“π ¡“§¡ª√–°—π™’«‘μ‰∑¬ „Àâ¡’·π«∑“ß°“√ªØ‘∫—μ‘∑’Ë‡ªìπ ¡“μ√∞“π ·≈–‡æ◊ËÕ‡ªìπ°“√‡æ‘Ë¡¢«—≠°”≈—ß„®„π°“√ªØ‘∫—μ‘ß“π ¢Õßæπ—°ß“π ¡“§¡ √«¡∑—Èß‡æ◊ËÕ‡ªìπ°“√æ—≤π“§ÿ≥¿“æ™’«‘μ¢Õß æπ—°ß“π ¡“§¡„Àâ¥’¢÷Èπ°«à“‡¥‘¡ Improved rules and regulations on TLAA staff welfare schemes to ensure that they are standardized and increase staff morale. 8.11 ª√—∫ª√ÿß·π«∑“ß°“√ªØ‘∫—μ‘‡°’Ë¬«°—∫ Black List μ—«·∑π ª√–°—π™’«‘μ∑’Ë∫√‘…—∑ ¡“™‘° àß„Àâ ¡“§¡ª√–°—π™’«‘μ‰∑¬ ·≈– ¡“§¡‰¥âπ”·®âß·°à∫√‘…—∑ ¡“™‘°‡æ◊ËÕª√–‚¬™πåμàÕ°“√§—¥‡≈◊Õ° μ—«·∑πª√–°—π™’«‘μ∑’Ë¡’§ÿ≥¿“æ Improved the practical guideline for submitting and exchanging the blacklist of agents. 8.12 ª√—∫‡ª≈’Ë¬π√–∫∫°“√®—¥∑”‡Õ° “√ª√–°Õ∫°“√ª√–™ÿ¡ §≥–°√√¡°“√∫√‘À“√ ¡“§¡ ‚¥¬‡ª≈’Ë¬π®“°‡¥‘¡ ¡“§¡®—¥∑” ‡ªìπ·øÑ¡‡Õ° “√ ¡“‡ªìπ°“√®—¥∑”‡ªìπ·ºàπ CD ·∑π Improved the production process of TLAA Board meeting by replacing the paper document with CD. 8.13 ®—¥®â“ß Net-Com Professional Company Limited „Àâ ‡ªìπ∫√‘…—∑ºŸâæ—≤π“√–∫∫‡«Á∫‰´μå ¡“§¡ª√–°—π™’«‘μ‰∑¬ „Àâ‡ªìπ »Ÿπ¬å°≈“ß„Àâ∫√‘°“√¢âÕ¡Ÿ≈ “√ π‡∑»∏ÿ√°‘®ª√–°—π™’«‘μ Hired the Net-Com Professional Company Limited to design TLAA new website to provide information to life insurance companies.

8.14 æ‘®“√≥“„Àâ‡ß‘π§à“§√Õß™’æ·°àæπ—°ß“π ¡“§¡ª√–°—π ™’«‘μ‰∑¬ ‡π◊ËÕß®“°¿“«–‡»√…∞°‘®„πªí®®ÿ∫—π¡’§«“¡º—πº«π‡ªìπ Õ¬à“ß¡“° Õ—μ√“‡ß‘π‡øÑÕ‡æ‘Ë¡ Ÿß¢÷Èπ àßº≈°√–∑∫μàÕ§à“§√Õß™’æ Ÿß¢÷Èπμ“¡ Increased amount of living allowance for TLAA staff to be in line with changing economic condition where cost of living has increased as a result of inflation.

9. °“√æ—≤π“∫ÿ§≈“°√¢Õß ¡“§¡ª√–°—π™’«‘μ‰∑¬ Personnel Development Assigned TLAA personnel to attend training courses and seminars inside the country and overseas as follows: 9.1 „Àâ ‡ ®â “ Àπâ “ ∑’ Ë ¡“§¡‡¢â “ √à « ¡ — ¡ ¡π“«‘ ™ “°“√ (FPO FORUM) ‡√◊ËÕß °“√∫√‘À“√§«“¡‡ ’Ë¬ß¢Õß°Õß∑ÿπ‡æ◊ËÕ°“√≈ß∑ÿπ ¢π“¥„À≠à ®—¥‚¥¬ ”π—°ß“π‡»√…∞°‘®°“√§≈—ß ( »§.) ‡¡◊ËÕ«—π∑’Ë 12 ¡’.§. 51 «—μ∂ÿª√– ß§å‡æ◊ËÕ‡º¬·æ√à§«“¡√Ÿâ·≈–√–¥¡§«“¡§‘¥ ‡ÀÁπ‡°’Ë¬«°—∫°“√∫√‘À“√§«“¡‡ ’Ë¬ß¢Õß°Õß∑ÿπ‡æ◊ËÕ°“√≈ß∑ÿπ¢π“¥ „À≠à ·≈–π”º≈ √ÿª∑’Ë‰¥â®“°°“√‡ «π“‡ªìπ¢âÕ¡Ÿ≈ª√–°Õ∫„π °“√π”‡ πÕπ‚¬∫“¬∑’Ë‡°’Ë¬«¢âÕß Assigned TLAA staff to attend a FPO Forum seminar on çRisk Management by Large Scale Investment Fundé organized by the Office of Economic Finance on March 12, 2008. The purpose was to disseminate knowledge on risk management by large investment fund that can be used to apply into the jobs of the participants. 9.2 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡Ωñ°Õ∫√¡ ç¬ÿ∑∏»“ μ√å°“√ ‡ √‘¡ √â“ß§«“¡¡—Ëπ§ß¢Õß™“μ‘é ‡¡◊ËÕ«—π∑’Ë 3-5 °—π¬“¬π 2550 ®—¥ ‚¥¬ ¡“§¡§«“¡¡—Ëπ§ßª≈Õ¥¿—¬·Ààßª√–‡∑»‰∑¬ Assigned TLAA staff to attend a training on çNational Security Strategiesé organized by the Security Association of Thailand between September 3-5, 2007.

9.3 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡ —¡¡π“ºŸâ∫√‘À“√ ”π—°ß“π §≥–°√√¡°“√°”°—∫·≈– àß‡ √‘¡°“√ª√–°Õ∫∏ÿ√°‘®ª√–°—π¿—¬ √à«¡°—∫¿“§∏ÿ√°‘® ªï 2550 ‡√◊ËÕß ç¡‘μ‘„À¡à°“√ª√–°—π¿—¬ ŸàÕπ“§μé ‡¡◊ËÕ«—π∑’Ë 7-9 °—π¬“¬π 2550 Assigned TLAA staff to attend a seminar on çNew Dimension of Insurance for the Futureé organized by the Office of Insurance Commission and private sector between September 7-9, 2007 9.4 „Àâ ‡ ®â “ Àπâ “ ∑’ Ë ¡“§¡‡¢â “ √à « ¡ — ¡ ¡π“‡√◊ Ë Õ ß Foreign Investment and Risk Analysis : Enhancing Thai Global Investment ®—¥‚¥¬∏π“§“√·Ààßª√–‡∑»‰∑¬ ‡¡◊ËÕ«—π∑’Ë 5 æƒ»®‘°“¬π 2550 ≥ ÀâÕßª√–™ÿ¡Õ“§“√ 3 ™—Èπ 7 ∏π“§“√·Ààßª√–‡∑»‰∑¬ Assigned TLAA staff to attend a seminar on çForeign Investment and Risk Analysis : Enhancing Thai Global Investmenté organized by the Bank of Thailand on November 5, 2007 at the BOT.

9.5 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“Õ∫√¡∑“ß«‘™“°“√ çRBC and capital management for ERMé ‡¡◊ËÕ«—π∑’Ë 25 ¡’π“§¡ 2551 ≥ ÀâÕß§√‘ μ—≈ ‚√ß·√¡μ«—ππ“ °√ÿß‡∑æœ ®—¥‚¥¬ ¿“§«‘™“ ∂‘μ‘ §≥–æ“≥‘™¬»“ μ√å·≈–°“√∫—≠™’ ®ÿÃ“≈ß°√≥å¡À“«‘∑¬“≈—¬ Assigned TLAA staff to attend a training course on çRBC and capital management for ERMé organized by the Statistics Department, the Faculty of Commerce and Accountancy, Chulalongkorn University on March 25, 2008 at the Tawana Hotel Bangkok.

Activities Implemented by TLAA During 2007 - 2008 9.6 „Àâ‡®â“Àπâ“∑’ Ë ¡“§¡‡¢â“Õ∫√¡‚§√ß°“√Ωñ°Õ∫√¡À≈—° Ÿμ√ CISA (Certified Investment and Securities Analysis Program) √–¬–‡«≈“°“√Õ∫√¡∑—ÈßÀ¡¥ 75 ™—Ë«‚¡ß ´÷Ëß‡ªìπ‚§√ß°“√∫√‘°“√ ∑“ß«‘™“°“√·≈– —ß§¡ §≥–æ“≥‘™¬œ √–À«à“ß«—π∑’Ë 26 ‡¡…“¬π 1 ¡‘∂ÿπ“¬π 2551 ®—¥‚¥¬ TSI √à«¡°—∫§≥–æ“≥‘™¬»“ μ√å·≈– °“√∫—≠™’ ¡À“«‘∑¬“≈—¬∏√√¡»“ μ√å Assigned TLAA staff to attend a 75 hour training course on CISA (Certified Investment and Securities Analysis Program), organized by the Faculty of Commerce and Accountancy, Thammasat University and TSI between April 26 to June 1, 2008. 9.7 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡ß“π‡ «π“: √“¬ß“πº≈°“√ «‘®—¬ °“√»÷°…“ çGold Futuresé ·≈– ‡ «π“ çGold Futures... ‚Õ°“ ∑Õß¢Õß°“√≈ß∑ÿπ?é ®—¥‚¥¬ μ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑» ‰∑¬ «—π»ÿ°√å∑’Ë 13 ¡‘∂ÿπ“¬π 2551 ‡«≈“ 08.30-12.00 π. ≥ ÀÕª√–™ÿ ¡ »“ μ√“®“√¬å — ß ‡«’ ¬ π Õ‘ π ∑√«‘ ™ — ¬ ™— È π 3 Õ“§“√ μ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ Assigned TLAA staff to attend a panel discussion and study report on çGold Futuresé and çGold Future: Your Golden Opportunityé organized by the Securities and Exchange of Thailand on June 13, 2008 at the SET. 9.8 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡°“√ —¡¡π“À—«¢âÕ çª√—∫ Õß§å ° √Õ¬à “ ß‰√‡¡◊ Ë Õ ª√–°— π ¿— ¬ ‰∑¬ μâ Õ ß‡ªì π ¡À“™πé ®— ¥ ‚¥¬ μ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ „π«—π»ÿ°√å∑’Ë 4 ‡¡…“¬π 2551 ‡«≈“ 8.30-12.00 π. ≥ ÀâÕßª√–™ÿ¡ 1101 ™—Èπ 11 Õ“§“√ μ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ Assigned staff to attend a seminar on çHow To Restructure When Non-Life Companies Must Be Publicé organized by the Securities and Exchange of Thailand on April 4, 2008 at the SET.

9.9 „Àâ‡®â“Àπâ“∑’ Ë ¡“§¡‡¢â“√à«¡ —¡¡π“ ‡√◊ÕË ß çIBM System Storage Solution Day 2007 IT in Trend - in Trend ITé ®—¥‚¥¬ ∫√‘…—∑ ‰Õ∫’‡ÕÁ¡ ª√–‡∑»‰∑¬ ®”°—¥ ‡¡◊ËÕ«—π∑’Ë 18 °—π¬“¬π 2550 ≥ ÀâÕß·°√π¥å∫Õ≈√Ÿ¡ ‚√ß·√¡Õ‘π‡μÕ√å§Õπμ‘‡πÁπμ—≈ °√ÿß‡∑æœ Assigned staff to attend a seminar on çIBM System Storage Solution Day 2007 IT in Trend - in Trend ITé organized by IBM Thailand on September 18, 2007 at the Grand Ballroom, InterContinental Hotel, Bangkok. 9.10 „Àâ‡®â“Àπâ“∑’ Ë ¡“§¡‡¢â“√à«¡ —¡¡π“‡√◊ÕË ß ç‡«∑’ “∏“√≥– °√Õ∫‡®√®“°“√§â“‡ √’¢Õß‰∑¬ : Õß§å∑’Ë 1 Õ“‡´’¬π-§Ÿà‡®√®“é ‡¡◊ËÕ «—π∑’Ë 6 ∏—π«“§¡ 2550 ≥ ÀâÕßÕ‚π¡“ ·°√π¥å ‚√ß·√¡Õ‚π¡“ °√ÿß‡∑æœ ®—¥‚¥¬°√¡‡®√®“°“√§â“√–À«à“ßª√–‡∑» Assigned staff to attend a seminar on çPublic Forum for Trade Liberalization Negotiation of ASEAN Countriesé organized by the Trade Negotiation Department on December 6, 2007 at the Anoma Hotel, Bangkok 9.11 „Àâ‡®â“Àπâ“∑’ Ë ¡“§¡‡¢â“√à«¡ —¡¡π“ Risk Based Capital : RBC ®—¥‚¥¬ ∂“∫—πª√–°—π¿—¬¡“‡≈‡´’¬ ‡¡◊ÕË «—π∑’Ë 5 ∏—π«“§¡ 2550 ≥ ª√–‡∑»¡“‡≈‡´’¬ Assigned TLAA staff to attend a seminar on Risk Based Capital : RBC organized by Malaysia Insurance Institute on December 5, 2007 in Malaysia. 9.12 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡ —¡¡π“ ‚§√ß°“√ àß‡ √‘¡ ·≈–æ—≤π“°“√„™â ICT (§√—Èß∑’Ë 1,2) À—«¢âÕ çæ√–√“™∫—≠≠—μ‘«à“¥â«¬ °“√°√–∑”§«“¡º‘¥‡°’Ë¬«°—∫§Õ¡æ‘«‡μÕ√å æ.».2550é ®—¥‚¥¬ °√–∑√«ß‡∑§‚π‚≈¬’ “√ π‡∑»·≈–°“√ ◊ËÕ “√ ‡¡◊ËÕ«—π∑’Ë 16-17 °√°Æ“§¡ 2550 ‡«≈“ 08.30-16.30 π. ≥ ÀâÕß«’π— ™—Èπ 3 ‚√ß·√¡ ¡‘√“‡§‘≈ ·°√π¥å §Õπ‡«π™—Ëπ Assigned TLAA staff to attend a seminar on çComputer Crime Act, 2007é organized by the Ministry of Information and Computer Technology between July 16-17, 2007 at the Grand Miracle Hotel, Bangkok.

9.13 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡Õ∫√¡ ‚§√ß°“√ çAPC University Program 2007é ‡ªìπ°“√ª√–¬ÿ°μå„™â√–∫∫‰øøÑ“‡æ◊ËÕ ∑”„Àâ√–∫∫§Õ¡æ‘«‡μÕ√å·≈–Õÿª°√≥å‡πÁμ‡«‘√å§∑”ß“π‰¥âÕ¬à“ß¡’ ª√– ‘∑∏‘¿“æ¡“°¢÷Èπ ®—¥‚¥¬ ∫√‘…—∑ Õ‡¡√‘°—π æ“«‡«Õ√å §Õπ ‡«Õ√å™—Ëπ (APC) ª√–‡∑»‰∑¬ ®”°—¥ ‡¡◊ËÕ«—π∑’Ë 16-17 ‘ßÀ“§¡ 2550 ≥ ÀâÕß Innovation ™—Èπ 15 Õ“§“√√ÿàß‚√®πå∏π°ÿ≈ ∂ππ√—™¥“¿‘‡…° Assigned TLAA staff to attend a training program on çAPC University Program 2007é organized by the American Power Conversion (APC) Thailand between August 16-17, 2007 at Rungrojthanakul Building, Ratchadapisek Road. 9.14 „Àâ‡®â“Àπâ“∑’ Ë ¡“§¡‡¢â“√à«¡ —¡¡π“ ‡√◊ÕË ß çIBM System Storage Solution Day 2007 IT in Trend - in Trend ITé ®—¥‚¥¬ ∫√‘…—∑ ‰Õ∫’‡ÕÁ¡ ª√–‡∑»‰∑¬ ®”°—¥ ‡¡◊ËÕ«—π∑’Ë 18 °—π¬“¬π 2550 ≥ ÀâÕß·°√π¥å∫Õ≈√Ÿ¡ ‚√ß·√¡Õ‘π‡μÕ√å§Õπμ‘‡πÁπμ—≈ °√ÿß‡∑æœ Assigned TLAA staff to join a seminar on çIBM System Storage Solution Day 2007 IT in Trend - in Trend ITé organized by IBM Thailand on September 18, 2007 at the Inter-Continental Hotel. 9.15 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡ —¡¡π“ ‡√◊ËÕß ç4th CIO16 Security Conference & Showcase Empowering CIOs in our Unified Communityé ‡¡◊ËÕ«—πæÿ∏∑’Ë 28 æƒ»®‘°“¬π 2550 ‡«≈“ 08.30 -17.00 π. ≥ Plaza Athenee, A Royal Meridien Hotel. Assigned TLAA staff to attend çThe 4th CIO16 Security Conference & Showcase Empowering CIOs in our Unified Communityé seminar on November 28, 2007 at the Plaza Athenee, A Royal Meridien Hotel.

9.16 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡ —¡¡π“ ‡√◊ËÕß çBCPBusiness Continuity Planningé ‡∑§‚π‚≈¬’§Õ¡æ‘«‡μÕ√å ”À√—∫°“√ «“ß·ºπ√Õß√— ∫ °“√¥”‡π‘ π ∏ÿ √ °‘ ® „Àâ ‡ °‘ ¥ °“√μà Õ ‡π◊ Ë Õ ß ®— ¥ ‚¥¬ Twoplus Soft Co., Ltd. ‡¡◊ËÕ«—πæÿ∏∑’Ë 5 ¡’π“§¡ 2551 ≥ ÀâÕß ‡®â“æ√–¬“ ‚√ß·√¡‡¥Õ–·°√π¥å Õ¬ÿ∏¬“ ∫“ß°Õ° ∂ππ√—™¥“¿‘‡…° Assigned TLAA staff to attend a seminar on çBCP-Business Continuity Planningé organized by Twoplus Soft Co., Ltd. On March 5, 2008 at the Grand Ayudhaya Hotel, Bangkok. 9.17 „Àâ‡®â“Àπâ“∑’ Ë ¡“§¡‡¢â“√à«¡ —¡¡π“ ‡√◊ÕË ß çThe Business Success through IT-Based Communicationsé ®—¥‚¥¬ ∫√‘…∑— «’∫∑’ ’ §Õ¡¡‘«π‘‡§™—πË ®”°—¥ ‡¡◊ÕË «—π»ÿ°√å∑Ë’ 21 ¡’π“§¡ 2551 ≥ ÀâÕß·°√π¥å ∫Õ≈√Ÿ¡ 1 ‚√ß·√¡‡™Õ√“μ—π ·°√π¥å ÿ¢ÿ¡«‘∑ Assigned TLAA staff to attend a seminar on çThe Business Success through IT-Based Communicationsé organized by the VBT Communication on March 21, 2008 at the Sheraton Grand, Sukhumvit, Bangkok. 9.18 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡ —¡¡π“ ‡√◊ËÕß ç°ÆÀ¡“¬ °“√§â“°“√≈ß∑ÿπ¢Õß®’πé ®—¥‚¥¬ ”π—°ß“π¬ÿ∑∏»“ μ√å°“√ æ“≥‘™¬å °√–∑√«ßæ“≥‘™¬å √à«¡°—∫ Àπ—ß ◊Õæ‘¡æå„π‡§√◊Õ¡μ‘™π ·≈–∏π“§“√° ‘°√‰∑¬ ≥ ÀâÕß·°√π¥å ‰¥¡Õπ¥å ∫Õ≈√Ÿ¡ Õ‘¡·æ§ ‡¡◊Õß∑Õß∏“π’ ‡¡◊ËÕ«—πÕ—ß§“√∑’Ë 25 ¡’π“§¡ 2551 Assigned TLAA staff to attend a seminar on çInvestment Laws in Chinaé organized by the Office of Commercial Strategy, the Ministry of Commerce, Matichon News Group and Kasikorn Bank on March 25, 2008 at Impact Muangthong Thani.

Activities Implemented by TLAA During 2007 - 2008 9.19 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡ —¡¡π“ ‡√◊ËÕß çThailand IT Outsourcing Trend in Financial Services Sector : Opportunity & Challengeé ®— ¥ ‚¥¬ ‡¢μÕÿ μ “À°√√¡´Õø∑å · «√å ª √–‡∑»‰∑¬ (Software park Thailand) √à«¡°—∫μ≈“¥À≈—°∑√—æ¬å·Ààßª√–‡∑»‰∑¬ ‡¡◊ËÕ«—π»ÿ°√å∑’Ë 23 æƒ…¿“§¡ 2551 ≥ ÀâÕßÕÕ¥‘∑Õ‡√’¬¡ ™—Èπ 3 Õ“§“√´Õø∑å·«√åæ“√å§ ∂ππ·®âß«—≤π– Assigned TLAA staff to attend a seminar on çThailand IT Outsourcing Trend in Financial Services Sector : Opportunity & Challengeé organized by the Software park Thailand in conjunction with the Securities and Exchange of Thailand on May 23, 2008 at the Software Park Building, Chaengwatana Road, Bangkok. 9.20 „Àâ‡®â“Àπâ“∑’ Ë ¡“§¡‡¢â“√à«¡ª√–™ÿ¡ —¡¡π“‡™‘ßªØ‘∫μ— °‘ “√ ‡√◊ËÕß °“√‡μ√’¬¡§«“¡æ√âÕ¡¢Õß¿“§∏ÿ√°‘®„π°“√√—∫¡◊Õ°“√√–∫“¥ „À≠à¢Õß‚√§‰¢âÀ«—¥„À≠à/‰¢âÀ«—¥π° √–À«à“ß«—π∑’Ë 2 - 4 ‡¡.¬. 2551 ≥ ‚√ß·√¡¡‘√“‡§‘≈ ·°√π¥å §Õπ‡«π™—Ëπ °√ÿß‡∑æœ ®—¥‚¥¬¡Ÿ≈π‘∏‘ àß‡ √‘¡°“√»÷°…“‰¢âÀ«—¥„À≠à ·≈–°√¡§«∫§ÿ¡‚√§ °√–∑√«ß “∏“√≥ ÿ¢ Assigned TLAA staff to attend a workshop on çHow the Business Sector Can Prepare To Cope with Avian Flué organized Flu Study Promotion Foundation and the Ministry of Public Health between April 2-4, 2008 at the Miracle Grand Hotel, Bangkok. 9.21 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡ —¡¡π“·≈–ª√– “πß“π °“√®—¥ª√–™ÿ¡ AIMA-VI (Academy of Insurance Medicine of Asia) √–À«à“ß«—π∑’Ë 14 - 17 μÿ≈“§¡ 2551 ®—¥‚¥¬ AIMA ª√–‡∑» ‘ß§‚ª√å √à«¡°—∫§≥–·æ∑¬å∑’Ëª√÷°…“ ¡“§¡ª√–°—π™’«‘μ‰∑¬ ≥ ‚√ß·√¡¡≥‡±’¬√√‘‡«Õ√å‰´¥å Assigned TLAA staff to attend the AIMA-VI (Academy of Insurance Medicine of Asia) organized by the AIMA of Singapore between October 14-17, 2008 with a group of TLAA Medical Advisory Board members.

9.22 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡ª√–™ÿ¡√—∫øíß§«“¡§‘¥‡ÀÁπ ‡°’Ë¬«°—∫√à“ßÀ≈—° Ÿμ√·°π°≈“ß°“√»÷°…“¢—Èπæ◊Èπ∞“π æÿ∑∏»—°√“™ 2544 (©∫—∫ª√—∫ª√ÿß) ‡¡◊ÕË «—π∑’Ë 25 °.æ. 2551 ≥ ‚√ß·√¡√Õ¬—≈√‘‡«Õ√å ∂.®√—≠ π‘∑«ß»å °√ÿß‡∑æœ ®—¥‚¥¬ ”π—°«‘™“°“√·≈–¡“μ√∞“π °“√»÷°…“ °√–∑√«ß»÷°…“∏‘°“√ Assigned TLAA staff to attend a public hearing meeting on basic education curriculum B.E. 2544 (Revised version) on February 25, 2008 at Royal River Hotel, Bangkok. 9.23 ®—¥Ωñ°Õ∫√¡ —¡¡π“æπ—°ß“π ¡“§¡ ‡√◊ËÕß ç°“√Ωñ°®‘μ „Àâæ√âÕ¡ ”À√—∫°“√∑”ß“πé 17-19 ‘ßÀ“§¡ 2550 ≥ ‚√ß·√¡ ‚π‚«‡∑≈ ®.√–¬Õß Organized TLAA staff seminar on çTo Prepare Mental Readiness for Worké at Novotel Hotel, Rayong Province between August 17-19, 2007. 9.24 ®—¥Ωñ°Õ∫√¡ —¡¡π“æπ—°ß“π ¡“§¡ √–À«à“ß«—π∑’Ë 25-27 ¡°√“§¡ 2551 ≥ ‡¢“„À≠à ®.π§√√“™ ’¡“ Organized training and seminar for TLAA staff between January 25-27, 2007 at Khao Yai National Park, Nakhon Ratchasima. 9.25 ®—¥Ωñ°Õ∫√¡ —¡¡π“æπ—°ß“π ¡“§¡ √–À«à“ß«—π∑’Ë 27-29 ¡‘∂ÿπ“¬π 2551 ≥ »Ÿπ¬åΩñ°Õ∫√¡Õà“«§ÿâß°√–‡∫π ®.®—π∑∫ÿ√’ Organized training and seminar for TLAA staff on between June 27-29, 2008 at Ao Kungkraben Training Center, Chantaburi Province. 9.26 „Àâ ‡ ®â “ Àπâ “ ∑’ Ë ¡“§¡‡¢â “ √— ∫ °“√Õ∫√¡À≈— ° Ÿ μ √°“√ °”Àπ¥¡“μ√∞“πÀ√◊Õμ—«™’È«—¥§«“¡ ”‡√Á®¢Õßº≈ß“π ®—¥‚¥¬ ÀÕ°“√§â“‰∑¬ ‡¡◊ËÕ«—π∑’Ë 22 ‡¡…“¬π 2551 ≥ ÀâÕß —¡¡π“ 3 ¡“§¡°“√®—¥°“√∏ÿ√°‘®·Ààßª√–‡∑»‰∑¬ Assigned TLAA staff to attend a training course on key performance indicators organized by the Thai Chamber of Commerce on April 22, 2008 at the Business Management Association of Thailand.

9.27 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡ª√–™ÿ¡‚§√ß°“√®—¥ —¡¡π“ √–¥—∫™“μ‘ ‡√◊ËÕß Õÿ∫—μ‘‡Àμÿ®√“®√ §√—Èß∑’Ë 8 ç∑âÕß∂‘Ëπ ™ÿ¡™π ∂ππ ª≈Õ¥¿—¬ √à«¡„®≈¥Õÿ∫—μ‘‡Àμÿé „π«—π»ÿ°√å∑’Ë 28 °—π¬“¬π 2550 ‡«≈“ 10.00-12.00 π. ≥ ÀâÕßª√–™ÿ¡ ”π—°ß“ππ‚¬∫“¬·≈– ·ºπ°“√¢π àß·≈–®√“®√ ( π¢.) ∂ππ‡æ™√∫ÿ√’ °√ÿß‡∑æ¡À“π§√ Assigned TLAA staff to attend a seminar on çTraffic Accidenté on September 28, 2007 at the Office of Transport and Traffic Policy and Planning, Bangkok. 9.28 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡ª√–™ÿ¡ —¡¡π“‡æ◊ËÕ√—∫øíß §«“¡§‘¥‡ÀÁπ‡°’Ë¬«°—∫√à“ßæ√–√“™∫—≠≠—μ‘§ÿâ¡§√Õß¢âÕ¡Ÿ≈ à«π ∫ÿ§§≈ æ.»... ®—¥‚¥¬ ”π—°ß“π§≥–°√√¡°“√¢âÕ¡Ÿ≈¢à“« “√¢Õß √“™°“√ ”π—°ß“πª≈—¥ ”π—°π“¬°√—∞¡πμ√’ ‡¡◊ËÕ«—π∑’Ë 3 ‡¡…“¬π 2551 ‡«≈“ 8.30-16.30 π. ≥ ÀâÕßªîòπ‡°≈â“ 2 ‚√ß·√¡√Õ¬—≈ ´‘μ’È °√ÿß‡∑æ¡À“π§√ Assigned TLAA staff to attend a seminar and public hearing on personal information protection act, organized by the Office of Official Information Board, the Office of the Prime Minister on April 3, 2008 at the Royal City Hotel, Bangkok. 9.29 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡ —¡¡π“‡√◊ËÕß √à“ßπ‚¬∫“¬ °“√æ—≤π“¡“μ√°“√ªÑÕß°—π·≈–ª√“∫ª√“¡°“√øÕ°‡ß‘π·≈–°“√ μà Õ μâ “ π°“√ π— ∫ πÿ π ∑“ß°“√‡ß‘ π ·°à ° “√°à Õ °“√√â “ ¬„Àâ ‡ ªì π ¡“μ√∞“π “°≈ ®—¥‚¥¬ ”π—°ß“πªÑÕß°—π·≈–ª√“∫ª√“¡°“√ øÕ°‡ß‘π ( ”π—°ß“π ªªß.) ‡¡◊ËÕ«—πæÿ∏∑’Ë 28 æƒ…¿“§¡ 2551 ‡«≈“ 8.30-16.30 π. ≥ ÀâÕß§Õπ‡«π™—Ëπ ‚√ß·√¡·Õ¡∫“ ´“‡¥Õ√å ∂ππ ÿ¢ÿ¡«‘∑ Assigned TLAA staff to attend a seminar on çAnti-Money Laundering and the Financing of International Terrorism Drafted Acté organized by the Office of Money Laundering Prevention and Suppression on May 28, 2008 at the Ambassordor Hotel, Bangkok.

9.30 „Àâ‡®â“Àπâ“∑’Ë ¡“§¡‡¢â“√à«¡øíß°“√∫√√¬“¬‡√◊ËÕß ç∏ÿ√°‘® °“√‡ß‘π‰∑¬°—∫ªí≠À“øÕ°‡ß‘π °μ‘°“„À¡à∑§Ë’ «√√Ÿéâ ®—¥‚¥¬ ”π—°ß“π ªÑÕß°—π·≈–ª√“∫ª√“¡°“√øÕ°‡ß‘π ( ”π—°ß“π ªªß.) ‡¡◊ËÕ«—π∑’Ë 30 æƒ…¿“§¡ 2551 ‡«≈“ 13.30-16.30 π. ≥ ÀâÕß·°√π¥å ∫Õ≈√Ÿ¡ ‚√ß·√¡‡´Áπ®Ÿ√’Ë ª“√å§ ∂ππ√“™ª√“√¿ œ≈œ Assigned TLAA staff to attend a lecture on çThailandûs Financial Business and Money Laundering Problem: New Rules You Should Knowé organized by the Office of Money Laundering Prevention and Suppression on May 30, 2008 at the Century Park Hotel, Bangkok.

10. ¥â“π°“√μà“ßª√–‡∑» International Activities: 10.1 „Àâ§«“¡√à«¡¡◊Õ ·≈–μ‘¥μàÕÀπà«¬ß“π¿“§√—∞·≈–¿“§ ‡Õ°™π°—∫μà“ßª√–‡∑» ¥—ßπ’È Followings are activities implemented in conjunction with government and private agencies in foreign countries. 10.1.1 ®—¥ àßÀπ—ß ◊Õ√“¬ß“πª√–®”ªï ¡“§¡ª√–°—π™’«‘μ ‰∑¬„Àâ°—∫Àπà«¬ß“πμà“ßª√–‡∑»∑’Ëμ‘¥μàÕ·≈–·≈°‡ª≈’Ë¬π√“¬ß“π ª√–®”ªï°—∫ ¡“§¡ ®”π«π 30 Àπà«¬ß“π„πμà“ßª√–‡∑» ‡™àπ ≠’ËªÿÉπ ŒàÕß°ß ‘ß§‚ª√å ¡“‡≈‡´’¬ øî≈‘ªªîπ å ·≈– À√—∞Õ‡¡√‘°“ ‡ªìπμâπ Provided TLAA annual report to 30 foreign agencies in many countries such as Japan, Hong Kong, Singapore, Malaysia, Philippines and the US. 10.1.2 „Àâ§«“¡√à«¡¡◊ÕÀπà«¬ß“πμà“ßª√–‡∑»∑’Ëμ‘¥μàÕ¢Õ ¢âÕ¡Ÿ≈‡°’Ë¬«°—∫∏ÿ√°‘®ª√–°—π™’«‘μ„πª√–‡∑»‰∑¬ ‚¥¬‡©æ“–¢âÕ¡Ÿ≈ ¥â“π ∂‘μ‘ ·≈– ¿“«–∏ÿ√°‘®ª√–°—π™’«‘μ„πªí®®ÿ∫—π Provided life insurance business and statistical information to several foreign agencies and companies.

Activities Implemented by TLAA During 2007 - 2008 10.1.3 μ‘¥μàÕª√– “πß“π°—∫§≥–°√√¡°“√∫√‘À“√°“√®—¥ß“π Pacific Insurance Conference ∑’ªË √–‡∑»¡“‡≈‡´’¬ ‡π◊ÕË ß®“° ¡“§¡ ‰¥â√—∫‡°’¬√μ‘„Àâ‡ªìπ‡®â“¿“æ®—¥°“√ª√–™ÿ¡ Pacific Insurance Conference §√—Èß∑’Ë 24 „πª√–‡¥Áπ‡°’Ë¬«°—∫‡√◊ËÕß Building a WorldClass Business in the Asia Pacific Region °”Àπ¥®—¥„π√–À«à“ß «—π∑’Ë 1-4 æƒ»®‘°“¬π 2552 ≥ ‚√ß·√¡·™ß°√’≈“ °√ÿß‡∑æ¡À“π§√ Coordinated with Malaysiaûs Organizing Committee of the PIC conference for the preparation of the 24th PIC that Thailand by TLAA will host the event in November 1-4, 2009 at the Royal Orchid Sheraton Hotel. The theme of the conference is çBuilding a World-Class Business in the Asia Pacific Regioné. 10.1.4 μ‘¥μàÕª√– “πß“π°—∫§≥–°√√¡°“√®—¥ß“π ASEAN Insurance Council (AIC) §√—Èß∑’Ë 33 ∑’Ëª√–‡∑»¡“‡≈‡´’¬ ‡æ◊ËÕ·®âß°“√ ‡¢â“√à«¡ª√–™ÿ¡¢Õßπ“¬° ¡“§¡ª√–°—π™’«μ‘ ‰∑¬ (π“¬ “√– ≈Ë”´”) ‡≈¢“∏‘°“√ ¡“§¡ª√–°—π™’«‘μ‰∑¬ (π“¬æ’√–æß»å Õÿàπ®‘μμå) ºŸâÕ”π«¬°“√ ¡“§¡ª√–°—π™’«‘μ‰∑¬ (π“ß∫ÿ…√“ Õ÷Íß¿“°√≥å) ·≈–ºŸ™â «à ¬ºŸÕâ ”π«¬°“√ ¡“§¡ª√–°—π™’«μ‘ ‰∑¬ (π“¬æ‘™“ ‘√‚‘ ¬∏‘π) ‡ªìπºŸ·â ∑π ¡“§¡ª√–°—π™’«μ‘ ‰∑¬‡¢â“√à«¡ª√–™ÿ¡ ASEAN Insurance Council (AIC) §√—Èß∑’Ë 33 ∑’Ëª√–‡∑»¡“‡≈‡´’¬ ‡¡◊ËÕ«—π∑’Ë 14-16 æƒ»®‘°“¬π 2550 Appointed Sara Lamsam, TLAA President, Peerapong Unchit, Secretary-General, Busara Ungphakorn, TLAA Director, Picha Siriyodhin, Asst. Director as representatives to attend the 33 rd ASEAN Insurance Council (AIC) in Malaysia between November 14-16, 2007.

- μ‘¥μàÕª√– “πß“π„Àâ§«“¡√à«¡¡◊Õ°—∫ The Oriental Life Insurance Cultural development Center (OLICD) „π°“√®—¥ —¡¡π“ OLIS - 2008 Bangkok „πª√–‡∑»‰∑¬ Provided assistance and coordination to the Oriental Life Insurance Cultural Development Center (OLICD) of Japan to publicize among TLAA member companies about the seminar to be organized by the OLICD in Japan as follows: - OLIS 2008 Spring seminar on çMarketingé between June 12-17, 2008 in Tokyo, Japan. - OLIS 2007 October seminar on çThe trends of Japanese life insurance industry - marketing aspects, risk management, etc. between October 18-23, 2007 in Tokyo, Japan. - Provided coordination support to the Oriental Life Insurance Cultural development Center (OLICD) for the OLIS 2008 seminar to be held in Bangkok, Thailand.

10.1.5 μ‘ ¥ μà Õ ª√– “πß“π°— ∫ Oriental Life Insurance Cultural Development Center (OLICD) ª√–‡∑»≠’ËªÿÉπ ·≈–·®âß ∫√‘ … — ∑ ¡“™‘ ° „Àâ ∑ √“∫‡°’ Ë ¬ «°— ∫ °“√®— ¥ — ¡ ¡π“ Oriental Life Insurance Cultural Development Center (OLICD) ª√–‡∑»≠’ËªÿÉπ Õ¬à“ßμàÕ‡π◊ËÕß ¥—ßπ’È - OLIS 2008 Spring ª√–‡¥Á π ‡°’ Ë ¬ «°— ∫ ‡√◊ Ë Õ ß Marketing °”Àπ¥®—¥„π√–À«à“ß«—π∑’Ë 12-17 ¡‘∂ÿπ“¬π 2551 ≥ °√ÿß‚μ‡°’¬« ª√–‡∑»≠’ËªÿÉπ - OLIS 2007 Oct ª√–‡¥Áπ‡°’Ë¬«°—∫ the trends of Japanese life insurance industry - marketing aspects, risk management, etc. °”Àπ¥®—¥¢÷Èπ„π√–À«à“ß«—π∑’Ë 18-23 μÿ≈“§¡ 2550 ≥ °√ÿß‚μ‡°’¬« ª√–‡∑»≠’ËªÿÉπ

10.1.6 μ‘ ¥ μà Õ ª√– “πß“π°— ∫ The Foundation for the Advancement of Life and Insurance Around the world (FALIA) ª√–‡∑»≠’ËªÿÉπ ‡æ◊ËÕ·®âßºŸâ·∑π ¡“§¡·≈–ºŸâ·∑π∫√‘…—∑ ¡“™‘° ¡“§¡ª√–°—π™’«‘μ‰∑¬‰¥â‡¢â“√à«¡ —¡¡π“μ“¡∑’Ë‰¥â√—∫Àπ—ß ◊Õ‡™‘≠ ·≈–°“√ π—∫ πÿπ®“° The Foundation for the Advancement of Life and Insurance Around the world (FALIA) ª√–‡∑»≠’ËªÿÉπÕ¬à“ß μàÕ‡π◊ËÕß ¥—ßπ’È - Individual Life Insurance Marketing Course ª√–‡¥Áπ‡°’Ë¬« °—∫ Individual Life Insurance Sales Strategies responding to Changes in Life Insurance Market °”Àπ¥®—¥„π√–À«à“ß«—π∑’Ë 3-10 °—π¬“¬π 2551 ≥ ‡¡◊Õß‚¬‚°Œ“¡“ ª√–‡∑»≠’ËªÿÉπ - Asset Management Course ª√–‡¥Áπ‡°’Ë¬«°—∫ Asset Management Strategy from the Perspective of ALM and Risk Management °”Àπ¥®—¥„π√–À«à“ß«—π∑’Ë 23-29 °√°Æ“§¡ 2551 ≥ ‡¡◊Õß‚¬‚°Œ“¡“ ª√–‡∑»≠’ËªÿÉπ - Information Technology Course ª√–‡¥Áπ‡°’Ë¬«°—∫‡√◊ËÕß IT Utilization to support Corporate Management Strategy of a Life Insurance Company ‡¡◊ËÕ«—π∑’Ë 18-25 ¡‘∂ÿπ“¬π 2551 ≥ ‡¡◊Õß ‚¬‚°Œ“¡“ ª√–‡∑»≠’ËªÿÉπ - „Àâ§«“¡√à«¡¡◊Õ°“√®—¥ —¡¡π“ TLAA - FALIA §√—Èß∑’Ë 17 „π ª√–‡¥Áπ‡°’¬Ë «°—∫‡√◊ÕË ß Individual Life Insurance Product Development responding to the Aging Society ‡¡◊ËÕ«—π∑’Ë 5 °ÿ¡¿“æ—π∏å 2551 ≥ ‚√ß·√¡¥ÿ ‘μ∏“π’ °√ÿß‡∑æœ - Top Executives Seminar ª√–‡¥Áπ‡°’Ë¬«°—∫‡√◊ËÕß çHighroad to Success in Corporate Management in the Era of Mega competitioné ‡¡◊ËÕ«—π∑’Ë 10-16 μÿ≈“§¡ 2550 ≥ ‡¡◊Õß‚¬‚°Œ“¡“ ª√–‡∑»≠’ËªÿÉπ Provided assistance and coordination to the Foundation for the Advancement of Life and Insurance Around the world (FALIA) of Japan by publicizing its plan to organize a seminar in Japan in following topics: - çIndividual Life Insurance Marketing Course: Individual Life Insurance Sales Strategies responding to Changes in Life Insurance Marketé between September 3-10, 2008 in Yokohama, Japan.

- çAsset Management Course: Asset Management Strategy from the Perspective of ALM and Risk Managementé between July 23-29, 2008 in Yokohama, Japan. - çInformation Technology Course: IT Utilization to support Corporate Management Strategy of a Life Insurance Companyé between June 18-25, 2008 in Yokohama, Japan. - Co-hosted the 17th TLAA - FALIA seminar on çIndividual Life Insurance Product Development responding to the Aging Societyé on February 5, 2008 at the Dusit Thani Hotel, Bangkok. - Top Executives Seminar on çHighroad to Success in Corporate Management in the Era of Mega - competitioné between October 10-16, 2007 in Yokohama, Japan.

Activities Implemented by TLAA During 2007 - 2008 10.2 „Àâ°“√μâÕπ√—∫ ·≈–·≈°‡ª≈’Ë¬π§«“¡§‘¥‡ÀÁπ‡°’Ë¬«°—∫ ∏ÿ√°‘®ª√–°—π™’«‘μ°—∫ºŸâ·∑πÕß§å°√√–À«à“ßª√–‡∑» ¥—ßπ’È Welcoming and Exchanging Ideas on Life Insurance Business with Foreign Visitors: 10.2.1 „Àâ°“√μâÕπ√—∫ Mr. Hiroshi Nakajima, President of OLICD ºŸâ·∑π®“° Oriental Life Insurance Cultural Development Center (OLICD) ª√–‡∑»≠’ËªÿÉπ ‡¡◊ËÕ«—π∑’Ë 2 ‡¡…“¬π 2551 Welcomed Mr. Hiroshi Nakajima, President of OLICD who represented the Oriental Life Insurance Cultural Development Center (OLICD) of Japan on April 2, 2008. 10.2.2 „Àâ ° “√μâ Õ π√— ∫ ºŸ â · ∑π®“° Nippon Life Insurance Company ª√–‡∑»≠’ËªÿÉπ ‡¡◊ËÕ«—π∑’Ë 10 ¡’π“§¡ 2551 Welcomed the representative from Nippon Life Insurance Company of Japan on March 10, 2008. 10.2.3 „Àâ°“√μâÕπ√—∫ºŸâ·∑π®“° The Dai-ichi Mutual Life Insurance Company ª√–‡∑»≠’ËªÿÉπ ‡¡◊ËÕ«—π∑’Ë 4 °ÿ¡¿“æ—π∏å 2551 ®”π«π 4 §π ¥—ßπ’È - Mr. Kozo Kita , General Manager - Mr. Yuzuru Furumura, General Manager of Japanese Business Development - Mr. Tokuyoshi Koizumi, General Manager of Seminars Department - Mr. Hirokazu Ohira , Managing Director Welcome 4 representatives from the Dai-ichi Mutual Life Insurance Company of Japan on February 4, 2008 the guests are: - Mr. Kozo Kita , General Manager - Mr. Yuzuru Furumura, General Manager of Japanese Business Development - Mr. Tokuyoshi Koizumi, General Manager of Seminars Department - Mr. Hirokazu Ohira, Managing Director

10.2.4 „Àâ°“√μâÕπ√—∫æ√âÕ¡ª√– “πß“ππ—¥À¡“¬°“√‡¢â“æ∫ ºŸ·â ∑π∏ÿ√°‘®ª√–°—π¿—¬„πª√–‡∑»‰∑¬„Àâ°∫— Mr. Hiroshi Nakajima, President OLICD ºŸâ·∑π®“° Oriental Life Insurance Cultural Development Center (OLICD) ª√–‡∑»≠’ËªÿÉπ ‚¥¬‡¢â“æ∫ºŸâ·∑π ¡“§¡ª√–°—π™’«‘μ‰∑¬‡¡◊ËÕ«—π∑’Ë 2 ‡¡…“¬π 2551 Arranged the meeting between Mr. Hiroshi Nakajima, President OLICD who represented the Oriental Life Insurance Cultural Development Center (OLICD) of Japan and TLAA member companies during his visit on April 2, 2008. 10.2.5 „Àâ°“√μâÕπ√—∫æ√âÕ¡ª√– “πß“ππ—¥À¡“¬°“√‡¢â“æ∫ ºŸâ·∑π∏ÿ√°‘®ª√–°—π¿—¬„πª√–‡∑»‰∑¬„Àâ°—∫ºŸâ·∑π®“° Oriental Life Insurance Cultural Development Center (OLICD) ª√–‡∑» ≠’ËªÿÉπ ‚¥¬‡¢â“æ∫ºŸâ·∑π ¡“§¡ª√–°—π™’«‘μ‰∑¬‡¡◊ËÕ«—π∑’Ë 29 æƒ»®‘°“¬π 2550 ®”π«π 2 §π ¥—ßπ’È - Mr. Shusaku Noguchi, Secretary General - Mr. Ichiro Kimura, Manager Welcomed and arranged the meeting between representatives of the Oriental Life Insurance Cultural Development Center (OLICD) of Japan with representatives of the General Insurance Association and the Thai Life Assurance Association on November 29, 2007. The guests are: - Mr. Shusaku Noguchi, Secretary General - Mr. Ichiro Kimura, Manager

10.2.6 „Àâ°“√μâÕπ√—∫ºŸ·â ∑π®“° Allianz Group ΩÉ“¬ Regulatory Affairs, Legal and Compliance ®“°ª√–‡∑»Õ‘ π ‚¥π’ ‡ ´’ ¬ ·≈– ¡“‡≈‡´’¬ ‚¥¬‡¢â“æ∫ºŸâ·∑π ¡“§¡ª√–°—π™’«‘μ‰∑¬ ‡¡◊ËÕ«—π∑’Ë 13 æƒ»®‘°“¬π 2550 ®”π«π 3 §π ¥—ßπ’È - Ms. Shamla Palany, Senior Manager Legal & Compliance Department - Mr. Mursosan Wiguna, HR, IS, Legal, Compliance and Sales Service, Indonesia - Mr. Vincentius wilianto, Director of Actuarial Services, Allianz Life Indonesia Welcomed the guests from Allianz Groupûs Regulatory Affairs, Legal and Compliance of Indonesia and Malaysia on November 13, 2007. The 3 guests were: - Ms. Shamla Palany, Senior Manager Legal & Compliance Department - Mr. Mursosan Wiguna, HR, IS, Legal, Compliance and Sales Service, Indonesia - Mr. Vincentius Wilianto, Director of Actuarial Services, Allianz Life Indonesia

10.2.7 „Àâ°“√μâÕπ√—∫ Mr. Yutaro Oku ºŸâ·∑π®“° Nomura Research Institute ´÷Ëß‡ªìπ ∂“∫—π«‘®—¬®“°ª√–‡∑»≠’ËªÿÉπ ‚¥¬‡¢â“ æ∫ºŸâ·∑π ¡“§¡ª√–°—π™’«‘μ‰∑¬ ‡¡◊ËÕ«—π∑’Ë 16 μÿ≈“§¡ 2550 Welcome Mr. Yutaro Oku, the representative of the Nomura Research Institute of Japan on October 16, 2007. 10.2.8 „Àâ°“√μâÕπ√—∫ºŸâ·∑π®“° Oriental Life Insurance Cultural Development Center (OLICD) ª√–‡∑»≠’ËªÿÉπ ‡¡◊ËÕ«—π∑’Ë 22 ‘ßÀ“§¡ 2551 ®”π«π 2 §π ¥—ßπ’È - Mr. Hiroshi Nakajima, President - Mr. Ichiro Kimura, Manager Welcome the following representatives of the Oriental Life Insurance Cultural Development Center (OLICD), Japan on August 22, 2008. - Mr. Hiroshi Nakajima, President - Mr. Ichiro Kimura, Manage

Report of the Certified Auditor

‡ πÕ §≥–°√√¡°“√·≈– ¡“™‘° ¡“§¡ª√–°—π™’«‘μ‰∑¬ ¢â“æ‡®â“‰¥âμ√«® Õ∫ß∫¥ÿ≈ ≥ «—π∑’Ë 30 ¡‘∂ÿπ“¬π 2551 ·≈– 2550 ·≈–ß∫√“¬‰¥â-§à“„™â®à“¬ ”À√—∫ªï ‘Èπ ÿ¥«—π‡¥’¬«°—π¢Õß·μà≈–ªï ¢Õß ¡“§¡ª√–°—π™’«‘μ‰∑¬ ´÷ËßºŸâ∫√‘À“√¢Õß ¡“§¡‡ªìπºŸâ√—∫º‘¥™Õ∫μàÕ§«“¡∂Ÿ°μâÕß·≈–§√∫∂â«π¢Õß¢âÕ¡Ÿ≈„πß∫°“√‡ß‘π‡À≈à“π’È à«π ¢â“æ‡®â“‡ªìπºŸâ√—∫º‘¥™Õ∫„π°“√· ¥ß§«“¡‡ÀÁπμàÕß∫°“√‡ß‘π¥—ß°≈à“«®“°º≈°“√μ√«® Õ∫¢Õß¢â“æ‡®â“ ¢â“æ‡®â“‰¥âªØ‘∫—μ‘ß“πμ√«® Õ∫μ“¡¡“μ√∞“π°“√ Õ∫∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª ´÷Ëß°”Àπ¥„Àâ¢â“æ‡®â“μâÕß«“ß·ºπ·≈–ªØ‘∫—μ‘ß“π ‡æ◊ËÕ„Àâ‰¥â§«“¡‡™◊ËÕ¡—ËπÕ¬à“ß¡’‡Àμÿº≈«à“ ß∫°“√‡ß‘π· ¥ß¢âÕ¡Ÿ≈∑’Ë¢—¥μàÕ¢âÕ‡∑Á®®√‘ßÕ—π‡ªìπ “√– ”§—≠À√◊Õ‰¡à °“√μ√«® Õ∫√«¡∂÷ß°“√„™â «‘∏’°“√∑¥ Õ∫À≈—°∞“πª√–°Õ∫√“¬°“√∑—Èß∑’Ë‡ªìπ®”π«π‡ß‘π·≈–°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈„πß∫°“√‡ß‘π °“√ª√–‡¡‘π§«“¡‡À¡“– ¡¢ÕßÀ≈—° °“√∫—≠™’∑’Ë ¡“§¡„™â·≈–ª√–¡“≥°“√‡°’Ë¬«°—∫√“¬°“√∑“ß°“√‡ß‘π∑’Ë‡ªìπ “√– ”§—≠ ´÷ËßºŸâ∫√‘À“√‡ªìπºŸâ®—¥∑”¢÷Èπ μ≈Õ¥®π°“√ª√–‡¡‘π ∂÷ß§«“¡‡À¡“– ¡¢Õß°“√· ¥ß√“¬°“√∑’Ëπ”‡ πÕ„πß∫°“√‡ß‘π‚¥¬√«¡ ¢â“æ‡®â“‡™◊ËÕ«à“°“√μ√«® Õ∫¥—ß°≈à“«„Àâ¢âÕ √ÿª∑’Ë‡ªìπ‡°≥±å Õ¬à“ß‡À¡“– ¡„π°“√· ¥ß§«“¡‡ÀÁπ¢Õß¢â“æ‡®â“ ¢â“æ‡®â“‡ÀÁπ«à“ß∫°“√‡ß‘π¢â“ßμâππ’È · ¥ß∞“π–°“√‡ß‘π ≥ «—π∑’Ë 30 ¡‘∂ÿπ“¬π 2551 ·≈– 2550 ·≈–º≈°“√¥”‡π‘πß“π ”À√—∫ªï ‘Èπ ÿ¥«—π‡¥’¬«°—π¢Õß·μà≈–ªï¢Õß ¡“§¡ª√–°—π™’«‘μ‰∑¬ ‚¥¬∂Ÿ°μâÕßμ“¡∑’Ë§«√„π “√– ”§—≠μ“¡À≈—°°“√∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª

(¥√.«‘√—™ Õ¿‘‡¡∏’∏”√ß) ºŸâ Õ∫∫—≠™’√—∫Õπÿ≠“μ‡≈¢∑–‡∫’¬π 1378 14 °√°Æ“§¡ 2551 To TLAA Board of Directors and Member Companies I have examined the balance sheets and statement of income and expense of the Thai Life Assurance Association on June 30, 2008 and 2007 and the related statements of income and expenditure for the year then ended. Executives of the audited organization is responsible for the accuracy of this auditing and I shall be responsible for the views I gave on the auditing of the financial statements. I conducted my audits in accordance with generally accepted auditing standards. Those standards that I planed and performed the audit to obtain reasonable assurance about whether the financial statements are free of material misstatements. An audit included examining, on a test basis, evidence supporting the amount, disclosures in the financial statements, the assessment of the accounting principle used and significant estimates made by the management, as well as evaluating the whole financial statements presentation. I believe that my audit provided a reasonable basis for my opinion. In my opinion, is the financial statements present fairly, the financial position of the Thai Life Assurance Association has at June 30, 2008 and 2007 and the results of its operations for the years then ended, in conformity with generally accepted accounting principles on a consistent basis.

Dr. Virach Apimetheedamrong Auditor (Certified No. 1378) July 14, 2008 ¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 49

Balance Sheet

≥ «—π∑’Ë 30 ¡‘∂ÿπ“¬π 2551 ·≈– 2550 Àπà«¬ : ∫“∑

‘π∑√—æ¬å ‘π∑√—æ¬åÀ¡ÿπ‡«’¬π ‡ß‘π ¥·≈–‡ß‘πΩ“° ∂“∫—π°“√‡ß‘π (À¡“¬‡Àμÿ 4) ‡ß‘π≈ß∑ÿπ™—Ë«§√“«-‡ß‘πΩ“°ª√–®”∏π“§“√ (À¡“¬‡Àμÿ 5) ≈Ÿ°Àπ’È ¡“™‘° ‘π∑√—æ¬åÀ¡ÿπ‡«’¬πÕ◊Ëπ √«¡ ‘π∑√—æ¬åÀ¡ÿπ‡«’¬π ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬π ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å- ÿ∑∏‘ (À¡“¬‡Àμÿ 3.2 ·≈– 6) ‡ß‘πΩ“°∏π“§“√μ‘¥¿“√–§È”ª√–°—π (À¡“¬‡Àμÿ 9) ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ √«¡ ‘π∑√—æ¬å‰¡àÀ¡ÿπ‡«’¬π √«¡ ‘π∑√—æ¬å

2551

2550

7,433,924.42 58,783,351.83 2,251,335.83 1,408,258.02 69,876,870.10

8,900,621.48 96,356,646.16 1,314,813.12 1,263,370.47 107,835,451.23

53,952,598.15 708,883.20

6,154,284.23 684,713.13

125,804,081.07

114,726,213.62

317,543.88 4,636,761.30

298,990.90 32,064.41 4,308,495.75

452,251.78

769,795.66

100,283,019.90 11,416,522.23

95,189,707.31 5,093,312.59

125,804,081.07

114,726,213.62

Àπ’È ‘π·≈– à«π¢Õß ¡“§¡œ Àπ’È ‘πÀ¡ÿπ‡«’¬π ‡®â“Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï (À¡“¬‡Àμÿ 3.3 ·≈– 7) ¿“…’‡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 ‡®â“Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ- ÿ∑∏‘ (À¡“¬‡Àμÿ 3.3 ·≈– 7) ”√Õß‡ß‘π∫”‡ÀπÁ®æπ—°ß“π √«¡Àπ’È ‘π‰¡àÀ¡ÿπ‡«’¬π √«¡Àπ’È ‘π à«π¢Õß ¡“§¡œ √“¬‰¥â Ÿß°«à“§à“„™â®à“¬¬°¡“ ∫«° √“¬‰¥â Ÿß°«à“§à“„™â®à“¬ ”À√—∫ªï √«¡ à«π¢Õß ¡“§¡œ √«¡Àπ’È ‘π·≈– à«π¢Õß ¡“§¡œ À¡“¬‡Àμÿª√–°Õ∫ß∫°“√‡ß‘π‡ªìπ à«πÀπ÷Ëß¢Õßß∫°“√‡ß‘ππ’È

(π“¬ “√– ≈Ë”´”) π“¬° ¡“§¡œ

π™’«‘μ‰∑¬ 50 ¡“§¡ª√–°— The Thai Life Assurance Association

(¥√.™“μ‘™—¬ æ“√“ ÿ¢) ‡À√—≠≠‘° ¡“§¡œ

Balance Sheet

As of June 30, 2008 and 2007 Unit : Baht

Asset Current Asset Cash and Deposit at Financial Institutions (Note 4) Investment Capital and Fixed Deposit at Banks (Note 5) Members Receivable Other Current Asset Total Current Asset Non-Current Asset Land, Plant and Equipment-Net (Note 3.2 and 6) Bank Deposit with Obligation (Note 9) Other Non-Current Asset Total Non-Current Asset Total Asset

2008

2007

7,433,924.42 58,783,351.83 2,251,335.83 1,408,258.02 69,876,870.10

8,900,621.48 96,356,646.16 1,314,813.12 1,263,370.47 107,835,451.23

53,952,598.15 708,883.20 1,265,729.62 55,927,210.97 125,804,081.07

6,154,284.23 684,713.13 51,765.03 6,890,762.39 114,726,213.62

317,543.88 274,709.98 4,636,761.30 5,229,015.16

298,990.90 132,064.41 4,308,495.75 4,739,551.06

452,251.78 8,423,272.00 8,875,523.78 14,104,538.94

769,795.66 8,933,847.00 9,703,642.66 14,443,193.72

100,283,019.90 11,416,522.23 111,699,542.13 125,804,081.07

95,189,707.31 5,093,312.59 100,283,019.90 114,726,213.62

Liability and TLAA Equity Current Liability Liability Under Hire Purchase Contracts Due Within One Year (Note 3.3 and 7) Accrued Corporate Tax Liability Other Current Liability Total Current Liability Non-Current Liability Liability Under Hire-Purchase Contract-Net (Note 3.3 and 7) Reserve for Staff Pension Total Non-Current Liability Total Liability TLAA Equity Forwarded Balance Plus Balance of the Year Total TLAA Equity Total Liability and TLAa Equity Note to Financial Statement is a part of this balance sheet.

(Sara Lamsam) TLAA President

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 51

(Dr. Chartchai Parasuk) Treasurer

Statement of Income and Expenditure

”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 30 ¡‘∂ÿπ“¬π 2551 ·≈– 2550

For the Year Ended on June 30, 2008 and 2007 Àπà«¬ : ∫“∑ / Unit : Baht

√“¬‰¥â / Income ‡ß‘π§à“∫”√ÿß ¡“™‘° Membership Fee √“¬‰¥â®“°°“√ Õ∫μ—«·∑π Income from Agency License Exam Project ¥Õ°‡∫’È¬√—∫ Interest Receivable √“¬‰¥âÕ◊Ëπ Other Incomes √«¡√“¬‰¥â Total Income

2551 / 2008

2550 / 2007

43,222,847.49

40,354,618.68

15,499,510.32

9,527,628.09

2,005,074.11

3,678,992.22

2,039,544.82

2,979,004.48

62,766,976.74

56,540,243.47

11,619,510.45

8,896,253.89

15,245,030.31

13,168,552.98

15,418,462.09

14,227,695.85

2,129,000.00

8,278,512.27

6,387,163.15

6,257,884.02

50,799,166.00

50,828,899.01

11,967,810.74

5,711,344.46

551,288.51

618,031.87

11,416,522.23

5,093,312.59

§à“„™â®à“¬ / Expenditure §à“„™â®à“¬®“°°“√ Õ∫μ—«·∑π Agency License Exam Project Expenditure §à“„™â®à“¬‡°’Ë¬«°—∫æπ—°ß“π Staff-Related Expenditure §à“„™â®à“¬ ”π—°ß“π Office Expenditure ‡ß‘π∫√‘®“§°“√»÷°…“·≈–°“√°ÿ»≈ Educational and Charitable Donations §à“„™â®à“¬Õπÿ°√√¡°“√ Sub-Committee-Related Expenditure √«¡§à“„™â®à“¬ Total Expenditure √“¬‰¥â Ÿß°«à“§à“„™â®à“¬°àÕπ¿“…’‡ß‘π‰¥â Balance ¿“…’‡ß‘π‰¥â (À¡“¬‡Àμÿ 8) Income Tax (Note 8) √“¬‰¥â Ÿß°«à“§à“„™â®à“¬ ”À√—∫ªï Balance À¡“¬‡Àμÿª√–°Õ∫ß∫°“√‡ß‘π‡ªìπ à«πÀπ÷Ëß¢Õßß∫°“√‡ß‘ππ’È Note to the Financial Statement is a part of this financial statement

(π“¬ “√– ≈Ë”´”) π“¬° ¡“§¡œ

π™’«‘μ‰∑¬ 52 ¡“§¡ª√–°— The Thai Life Assurance Association

(¥√.™“μ‘™—¬ æ“√“ ÿ¢) ‡À√—≠≠‘° ¡“§¡œ

Financial Statements

«—π∑’Ë 30 ¡‘∂ÿπ“¬π 2551 ·≈– 2550 June 30, 2008 and 2007 1. ¢âÕ¡Ÿ≈∑—Ë«‰ª General Information ∂“π–¢Õß ¡“§¡ Status of TLAA

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

∂“π∑’Ëμ—Èß ¡“§¡ Office Address

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

≈—°…≥–°“√¥”‡π‘πß“π Type of Operation

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

§à“„™â®à“¬‡°’Ë¬«°—∫æπ—°ß“π ”À√—∫ªï 2551 ·≈– 2550 Staff-related expenses in 2008 and 2007

15.25 ≈â“π∫“∑ ·≈– 13.17 ≈â“π∫“∑ μ“¡≈”¥—∫ 15.25 and 13.17 million Baht respectively.

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 53

Financial Statements

2. ‡°≥±å „π°“√®—¥∑”ß∫°“√‡ß‘π

2. Basis of financial statement preparation.

ß∫°“√‡ß‘ππ’È‰¥â®—¥∑”¢÷Èπμ“¡À≈—°°“√∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª

3. √ÿªπ‚¬∫“¬°“√∫—≠™’∑’Ë ”§—≠ 3.1 °“√√—∫√Ÿâ√“¬‰¥â·≈–§à“„™â®à“¬ ¡“§¡∫—π∑÷°√“¬‰¥â·≈–§à“„™â®à“¬μ“¡‡°≥±å§ß§â“ß 3.2 ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å · ¥ß„π√“§“∑ÿπ §à“‡ ◊ËÕ¡ √“§“Õ“§“√·≈–Õÿª°√≥å§”π«≥‚¥¬ - ‘π∑√—æ¬å∑’Ë¡’Õ¬Ÿà°àÕπ «—π∑’Ë 1 ¡°√“§¡ 2529 §”π«≥ ‚¥¬«‘∏’¬Õ¥§ß‡À≈◊Õ - ‘π∑√—æ¬å∑‰Ë’ ¥â¡“μ—ßÈ ·μà «—π∑’Ë 1 ¡°√“§¡ 2529 §”π«≥ ‚¥¬«‘∏’‡ âπμ√ß Õ“¬ÿ°“√„™âß“π‚¥¬ª√–¡“≥¢Õß ‘π∑√—æ¬å¡’¥—ßπ’È

√“¬°“√ Specification

This financial statement is prepared in compliance with the generally accepted accounting principles.

3. Summary of significant accounting policies 3.1 Recognition of Revenues and Expenses. Revenues and expenses are recognized on accrual basis. 3.2 Properties, plants and equipment Properties, plants and equipment are stated at cost. Depreciation is calculated as follows: - Depreciation of assets possessed before January 1, 1986 is based on the balance after deduction. - Depreciation of assets possessed from January 1, 1986 is based on a straight-line method according to useful life of the assets. Estimated Useful Life of Assets

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

Õ“§“√ Plant à«πª√—∫ª√ÿßÕ“§“√ Plant Improvement ‡§√◊ËÕß„™â ”π—°ß“π Office equipment ‡§√◊ËÕßμ°·μàß ”π—°ß“π Office Decorative Items ¬“πæ“Àπ– Vehicles

20 20 5 5 5

3.3 —≠≠“‡™à“∑“ß°“√‡ß‘π —≠≠“‡™à“´÷ËßºŸâ‡™à“‰¥â√—∫‚Õπº≈μÕ∫·∑π·≈–§«“¡‡ ’Ë¬ß à«π„À≠à¢Õß°“√‡ªìπ‡®â“¢Õß∑√—æ¬å ‘π ¬°‡«âπ°√√¡ ‘∑∏‘Ï ∑“ß°ÆÀ¡“¬∂◊Õ‡ªìπ —≠≠“‡™à“∑“ß°“√‡ß‘π ¡“§¡∫—π∑÷° ‘π∑√—æ¬å∑’Ë‡™à“„π√“§“¬ÿμ‘∏√√¡ ≥ «—π‡√‘Ë¡μâπ¢Õß —≠≠“ ‡™à“æ√âÕ¡°—∫¿“√–Àπ’È ‘π∑’Ë®–μâÕß®à“¬§à“‡™à“„πÕπ“§μ À—°¥â«¬ à«π∑’Ë‡ªìπ¥Õ°‡∫’È¬ ¥Õ°‡∫’È¬À√◊Õ§à“„™â®à“¬∑“ß °“√‡ß‘π√—∫√Ÿâ‡ªìπ§à“„™â®à“¬„πß∫°”‰√¢“¥∑ÿπμ“¡ à«π¢Õß ‡ß‘πμâπ§ß‡À≈◊Õ

3.3 Financial Lease A lease from which rewards and significant risks of ownership, except legal ownership have been transferred to the lessee are held as a financial lease. TLAA recognizes leased assets in fair value on the effective date of the lease along with liabilities payable in the future less interest. Interest and financial expenses are recognized in the statement of profit and loss according to the principal balance.

π™’«‘μ‰∑¬ 54 ¡“§¡ª√–°— The Thai Life Assurance Association

Financial Statements

3.4 √“¬°“√∫—≠™’∑’Ë‡ªìπ‡ß‘πμ√“μà“ßª√–‡∑» √“¬°“√∫—≠™’∑’Ë‡ªìπ‡ß‘πμ√“μà“ßª√–‡∑»‰¥â∫—π∑÷°‡ªìπ ‡ß‘π∫“∑ ‚¥¬„™âÕ—μ√“·≈°‡ª≈’Ë¬π ≥ «—π∑’Ë‡°‘¥√“¬°“√ ‘π∑√—æ¬å·≈–Àπ’È ‘π∑’Ë‡ªìπ‡ß‘πμ√“μà“ßª√–‡∑»∑’Ë¡’¬Õ¥§ß ‡À≈◊Õ ≥ «—π∑’Ë„πß∫¥ÿ≈‰¥â∫—π∑÷°‰«â‡ªìπ‡ß‘π∫“∑‚¥¬„™â Õ—μ√“·≈°‡ª≈’Ë¬π ≥ «—π∑’Ë„πß∫¥ÿ≈ º≈°”‰√À√◊Õ¢“¥∑ÿπ ®“°Õ—μ√“·≈°‡ª≈’Ë¬π ‰¥â∫—π∑÷°‡ªìπ√“¬‰¥âÀ√◊Õ§à“„™â®à“¬ „π°“√¥”‡π‘πß“π√–À«à“ßªï 3.5 °“√„™âª√–¡“≥°“√∑“ß∫—≠™’ „π°“√®—¥∑”ß∫°“√‡ß‘π„Àâ‡ªìπ‰ªμ“¡À≈—°°“√∫—≠™’∑’Ë √—∫√Õß∑—Ë«‰ª ΩÉ“¬∫√‘À“√μâÕß„™â°“√ª√–¡“≥·≈–μ—Èß¢âÕ ¡¡μ‘∞“πÀ≈“¬ª√–°“√ ´÷Ëß®–¡’º≈°√–∑∫μàÕ®”π«π ‡ß‘π∑’Ë‡°’Ë¬«°—∫√“¬‰¥â §à“„™â®à“¬ ‘π∑√—æ¬å·≈–Àπ’È ‘π √«¡ ∑—Èß°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈‡°’Ë¬«°—∫ ‘π∑√—æ¬å·≈–Àπ’È ‘π∑’ËÕ“® ®–‡°‘¥¢÷Èπ º≈∑’Ë‡°‘¥¢÷Èπ®√‘ßÕ“®·μ°μà“ß‰ª®“°®”π«π∑’Ë ª√–¡“≥‰«â 3.6 º≈ª√–‚¬™πå¢Õßæπ—°ß“π ¡“§¡®—¥„Àâ¡°’ Õß∑ÿπ ”√Õß‡≈’¬È ß™’æ ´÷ßË ‡ªìπ≈—°…≥– ¢Õß·ºπ°“√®à“¬ ¡∑∫μ“¡∑’Ë‰¥â°”Àπ¥°“√®à“¬ ¡∑∫ ‰«â·≈â« ‘π∑√—æ¬å¢Õß°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ‰¥â·¬°ÕÕ° ‰ª®“° ‘π∑√—æ¬å¢Õß ¡“§¡ ·≈–‰¥â√—∫°“√∫√‘À“√‚¥¬ ºŸâ®—¥°“√°Õß∑ÿπ¿“¬πÕ° °Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ¥—ß°≈à“« ‰¥â√—∫‡ß‘π – ¡‡¢â“°Õß∑ÿπ®“°æπ—°ß“π·≈–‡ß‘π ¡∑∫ ®“° ¡“§¡ ‡ß‘π®à“¬ ¡∑∫°Õß∑ÿπ ”√Õß‡≈’È¬ß™’æ∫—π∑÷° ‡ªìπ§à“„™â®à“¬„πß∫°”‰√¢“¥∑ÿπ ”À√—∫√Õ∫√–¬–‡«≈“ ∫—≠™’∑‡Ë’ °‘¥√“¬°“√π—πÈ ¡“§¡®–∫—π∑÷°§à“„™â®“à ¬ ”À√—∫ º≈ª√–‚¬™πåæπ—°ß“π°√≥’‡°…’¬≥Õ“¬ÿμ“¡°ÆÀ¡“¬ ·√ßß“π‰∑¬„πªï∑’Ë¡’°“√‡°…’¬≥Õ“¬ÿ

3.4 Foreign Currency Transactions Foreign currency transactions are recorded in Thai Baht denomination, basing on the exchange rate on the transaction date. The balance of foreign currency assets and liabilities at the balance sheet date are recorded in Thai Baht denomination, basing on the exchange rate on the balance sheet date. Gain and loss from currency exchange rates are recorded as operating revenues or expenses of that year. 3.5 Use of Accounting Estimate Preparation of financial statement in compliance with the generally accepted accounting principles requires the management to make estimates and assumptions that affect the amounts of revenue, expenses, assets, liabilities and disclosure of assets and liabilities reported in these financial statements and related notes. Actual results could differ from those estimates. 3.6 Staff Benefits TLAA established a provident fund based on contribution whose rate is pre-fixed. Assets of the provident fund is separated from those of TLAA and are managed by external fund manager. Contribution to the provident fund is from the staff and TLAA and is recognized as expenses in the statement of revenue and expenses in the accounting period when the transactions occurred. TLAA shall recognize staff pension benefit payment according to Thai labor law as the expense in the retirement year.

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 55

Financial Statements

4. ‡ß‘π ¥·≈–‡ß‘πΩ“° ∂“∫—π°“√‡ß‘π ª√–°Õ∫¥â«¬ Cash and Deposits in Financial Institutions: √“¬°“√ Description ‡ß‘π ¥ Cash ‡ß‘πΩ“°°√–· √“¬«—π Current Accounts - ∏π“§“√‰∑¬æ“≥‘™¬å ®”°—¥ (¡À“™π) Siam Commercial Bank - ∏π“§“√°√ÿß‰∑¬ ®”°—¥ (¡À“™π) Krungthai Bank ‡ß‘πΩ“°ÕÕ¡∑√—æ¬å Saving Accounts - ∏π“§“√‰∑¬æ“≥‘™¬å ®”°—¥ (¡À“™π) Siam Commercial Bank - ∏π“§“√°√ÿß‰∑¬ ®”°—¥ (¡À“™π) Krungthai Bank - ∏π“§“√°√ÿß»√’Õ¬ÿ∏¬“ ®”°—¥ (¡À“™π) Krungsri Ayudhaya Bank - ∏π“§“√∏π™“μ ®”°—¥ (¡À“™π) Thanachart Bank ‡™Á§„π¡◊Õ Check in Hand √«¡ Total

®”π«π‡ß‘π (∫“∑) Amount (Baht) 2551 / 2008 2550 / 2007 93,100.00

70,438.00

(3,698,924.91)

(1,561,143.34)

2,000.00

1,000.00

7,584,376.04

7,497,500.94

1,759,006.47

2,427,441.32

72,935.32

10,149.00

512,755.57

289,549.53

1,108,675.93

165,686.03

7,433,924.42

8,900,621.48

π™’«‘μ‰∑¬ 56 ¡“§¡ª√–°— The Thai Life Assurance Association

Financial Statements

5. ‡ß‘π≈ß∑ÿπ™—Ë«§√“« - ‡ß‘πΩ“°ª√–®”∏π“§“√ ª√–°Õ∫¥â«¬ Temporary Investment-Bank Deposit √“¬°“√ Description

®”π«π‡ß‘π (∫“∑) Amount (Baht) 2551 2550 2008 2007

‡ß‘πΩ“°ª√–®” 3 ‡¥◊Õπ 3 Month Fixed Deposit Accounts - ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) Bangkok Bank (Public) - ∏π“§“√‰∑¬∏π“§“√ ®”°—¥ (¡À“™π) Bank Thai (Public) ‡ß‘πΩ“°ª√–®” 6 ‡¥◊Õπ 6 month Fixed Deposit Accounts - ∏π“§“√°√ÿß»√’Õ¬ÿ∏¬“ ®”°—¥ (¡À“™π) Krung Sri Ayudhaya Bank - ∏π“§“√∏π™“μ ®”°—¥ (¡À“™π) Thanachart Bank - ∏π“§“√‰∑¬∏π“§“√ ®”°—¥ (¡À“™π) Bank Thai ‡ß‘πΩ“°ª√–®” 12 ‡¥◊Õπ 12 Month Fixed Deposit Accounts - ∏π“§“√‰∑¬∏π“§“√ ®”°—¥ (¡À“™π) Bank Thai - ∏π“§“√°√ÿß‡∑æ ®”°—¥ (¡À“™π) Bangkok Bank - ∏π“§“√°√ÿß»√’Õ¬ÿ∏¬“ ®”°—¥ (¡À“™π) Krung Sri Ayudhaya Bank - ∏π“§“√∏π™“μ ®”°—¥ (¡À“™π) Thanachart Bank √«¡ Total

Õ—μ√“¥Õ°‡∫’È¬ (%) Interest (%) 2551 2550 2008 2007

236.12

230.30

2.375

3.25-3.75

4,000,000.00

3.00

12,774,101.47

2.50-5.00

32,317,134.89

12,597,975.76

3.00-3.25

2.625-4.875

9,000,000.00

19,546,117.47

3.00

4.00-5.00

8,000,000.00

7,647,012.78

3.25

5.00

175,980.82

7,000,000.00

2.250-2.375

2.25-3.00

1,000,000.00

1,622,073.52

2.38

5.00

4,290,000.00

35,169,134.86

2.625-3.625

58,783,351.83

96,356,646.16

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 57

Financial Statements

6. Property, Plant and Equipment-Net:

6. ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å - ÿ∑∏‘ 6.1 ∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å · ¥ß¥â«¬¬Õ¥§ß‡À≈◊Õ ÿ∑∏‘ ‡π◊ËÕß®“°‰¡à “¡“√∂·¬°· ¥ß√“§“∑ÿπ·≈–§à“‡ ◊ËÕ¡√“§“ – ¡‰¥â ª√–°Õ∫¥â«¬

6.1 Property, Plant and Equipment-Net (Cost and Accumulated Depreciation Can Not Be Shown):

Àπà«¬ : ∫“∑ / Unit : Baht

√“¬°“√ Description ∑’Ë¥‘π Property Õ“§“√À≈—ß‡°à“ Old Office Building Õ“§“√À≈—ß„À¡à New Office Building à«πª√—∫ª√ÿßÕ“§“√ Improved Parts Of Office ‡§√◊ËÕß„™â ”π—°ß“π Office Equipment √«¡ Total §à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï Annual Depreciation

2551 2008

2550 2007

1,800,000.00

1.00

236,812.08

395,927.83

12,750.54

15,115.54

23.00

2,049,586.62

2,211,067.37

161,480.75

299,860.51

π™’«‘μ‰∑¬ 58 ¡“§¡ª√–°— The Thai Life Assurance Association

Financial Statements

6.2 Property, Plant and Equipment Whose Cost and Accumulated Depreciation Can Be Shown:

6.2 Õÿª°√≥å ∑’Ë “¡“√∂·¬°· ¥ß√“§“∑ÿπ·≈–§à“‡ ◊ËÕ¡√“§“ – ¡‰¥â ª√–°Õ∫¥â«¬

Àπà«¬ : ∫“∑ / Unit : Baht

√“¬°“√ Description

2550 2007

‡æ‘Ë¡¢÷Èπ Increase

®”Àπà“¬ Disposed

2551 2008

√“§“∑ÿπ Cost ∑’Ë¥‘π Property ‡§√◊ËÕß„™â ”π—°ß“π Office Equipment ‡§√◊ËÕßμ°·μàß ”π—°ß“π Office Decoration ¬“πæ“Àπ– Vehicles ß“π√–À«à“ß∑”/μ‘¥μ—Èß Works in Progress √«¡ Total

45,000,000.00

8,767,496.59

2,166,173.43

(273,040.00)

10,660,630.02

118,920.49

62,771.07

181,691.56

1,628,213.79

2,087,159.00

10,514,630.87

49,316,103.50

(273,040.00)

59,557,694.37

6,372,241.47

991,263.97

(273,038.00)

7,090,467.44

23,590.23

31,307.90

54,898.13

175,582.31

333,734.96

509,317.27

6,571,414.01

1,356,306.83

(273,038.00)

7,654,682.84

§à“‡ ◊ËÕ¡√“§“ – ¡ Accumulated Depreciation ‡§√◊ËÕß„™â ”π—°ß“π Office Equipment ‡§√◊ËÕßμ°·μàß ”π—°ß“π Office Decoration ¬“πæ“Àπ– Vehicle √«¡ Total Õÿª°√≥å- ÿ∑∏‘ Equipment-Net §à“‡ ◊ËÕ¡√“§“ ”À√—∫ªï Yearly Depreciation

3,943,216.86

51,903,011.53

846,653.64

1,356,306.83

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 59

Financial Statements

7. ‡®â“Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ª√–°Õ∫¥â«¬ Liabilities Under Hire-Purchase: Àπà«¬ : ∫“∑ / Unit : Baht

‡®â“Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ Liabilities Under Hire-Purchase À—° ¥Õ°‡∫’È¬√Õ°“√μ—¥®à“¬ Less Deferred Tax À—° ‡®â“Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï Less Liabilities Under Hire-Purchase Due in 1 Year. ‡®â“Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ- ÿ∑∏‘ Liabilities Under Hire-Purchase- Net

2551 2008

2550 2007

822,108.00

1,174,440.00

(52,312.34)

(105,653.44)

769,795.66 (317,543.88)

1,068,786.56 (298,990.90)

452,251.78

769,795.66

‡®â“Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëßªï ‰¥â· ¥ß¿“¬„μâÀπ’È ‘πÀ¡ÿπ‡«’¬π Hire purchase contract payable within 1 year is reported under current liabilities.

8. ¿“…’‡ß‘π‰¥â

8. Corporate Income Tax:

¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈¢Õß ¡“§¡ ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 30 ¡‘∂ÿπ“¬π 2551 ·≈– 2550 §”π«≥®“°√“¬‰¥â°àÕπÀ—°√“¬®à“¬ à«π∑’ËμâÕß‡ ’¬¿“…’μ“¡ª√–¡«≈√—…Æ“°√ ¥—ßπ’È - √“¬‰¥â®“°°“√ Õ∫μ—«·∑π·≈–√“¬‰¥âÕ◊Ëπ §”π«≥„π Õ—μ√“√âÕ¬≈– 2 - √“¬‰¥â¥Õ°‡∫’È¬√—∫§”π«≥„πÕ—μ√“√âÕ¬≈– 10

TLAA gross revenues as of June 30, 2008 and 2007 which are subject to tax payment according to the Revenue Code are: - Income from agency license exam project and others are subject to 2% tax. - Interest earning is subject to 10% tax.

9. ¿“√–ºŸ°æ—π ≥ «—π∑’Ë 30 ¡‘∂ÿπ“¬π 2551 ·≈– 2550 ¡“§¡¡’¿“√–ºŸ°æ—π ®“°°“√ÕÕ°Àπ—ß ◊Õ§È”ª√–°—π¢Õß∏π“§“√æ“≥‘™¬å®”π«π 0.56 ≈â“π∫“∑ ·≈– 0.27 ≈â“π∫“∑ μ“¡≈”¥—∫ ´÷Ëß§È”ª√–°—π‚¥¬‡ß‘π Ω“°∏π“§“√

9. Obligations: As of June 30, 2008 and 2007, TLAA had obligation from the issuance of a letter of guaranty by commercial bank amounting 0.56 and 0.21 million Baht, respectively.

10. Approval of Financial Statement This financial statement is approved by TLAA Board on July 14, 2008.

10. °“√Õπÿ¡—μ‘ß∫°“√‡ß‘π ß∫°“√‡ß‘ππ’È‰¥â√—∫Õπÿ¡—μ‘®“°°√√¡°“√ ¡“§¡ ‡¡◊ËÕ«—π∑’Ë 14 °√°Æ“§¡ 2551

π™’«‘μ‰∑¬ 60 ¡“§¡ª√–°— The Thai Life Assurance Association

Overview of Life Insurance Business in 2007-2008

1. ¿“æ√«¡‡»√…∞°‘®‰∑¬ªï 2550

1. Overview of Thai Life Insurance Business in 2007

¿“«–‡»√…∞°‘®‰∑¬ªï 2550 ¡’Õ—μ√“°“√¢¬“¬μ—«¢Õß GDP √âÕ¬≈– 4.9 (ªï 2549 ¡’°“√¢¬“¬μ—«√âÕ¬≈– 5.2) ∑—Èßπ’È ‡π◊ËÕß¡“®“° °“√™–≈Õμ—«¢Õß°“√„™â®à“¬·≈–°“√≈ß∑ÿπ¢Õß¿“§‡Õ°™π „π ¢≥–‡¥’¬«°—πª√‘¡“≥·≈–¡Ÿ≈§à“°“√ àßÕÕ°¡’°“√¢¬“¬μ—«∑’Ë¥’ ´÷Ëß ª√‘¡“≥°“√ àßÕÕ°‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 11.8 ·≈–¡Ÿ≈§à“°“√ àßÕÕ°„π √Ÿª¢Õß‡ß‘π¥Õ≈≈“√å √Õ. ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 18.1 √«¡∑—Èßª√‘¡“≥ °“√π”‡¢â“‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 4.1 ·≈–¡Ÿ≈§à“°“√π”‡¢â“„π√Ÿª¢Õß‡ß‘π ¥Õ≈≈“√å √Õ. ‡æ‘¡Ë ¢÷πÈ √âÕ¬≈– 9.6 àßº≈„Àâª√–‡∑»‰∑¬¡’¥≈ÿ °“√§â“ ‡°‘π¥ÿ≈

The GDP of Thailand in 2007 was 4.9%, against that of 5.2% in 2006 due to a slowdown in public consumption and private investment. Meanwhile, the countryûs export sector grew quite well with an increase in export volume of 11.8% or 18.1% in terms of value in US dollars. The total volume of imports grew by 4.1% or 9.6% in terms of value in US dollars, thus, resulted in a trade surplus for Thailand.

°“√‡°‘π¥ÿ≈°“√§â“∑’Ë¡’Õ¬Ÿà„π√–¥—∫ Ÿß„πªï 2550 π—Èπ –∑âÕπ„Àâ ‡ÀÁπ°“√‡ª≈’Ë¬π·ª≈ß„πÀ≈“¬Ê ¥â“π ‰¥â·°à (1) °“√≈ß∑ÿπ™–≈Õμ—«≈ßμàÕ‡π◊ËÕßμ—Èß·μàªï 2549 ∑”„Àâ§«“¡ μâÕß°“√ ‘π§â“∑ÿπ≈¥≈ß (2) §«“¡‡™◊ËÕ¡—Ëπ¿“§∏ÿ√°‘®≈¥≈ß·≈–∑”„Àâ°“√™–≈Õμ—«¢Õß °“√≈ß∑ÿπ¿“§‡Õ°™π¡’§«“¡√ÿπ·√ß¡“°°«à“ª°μ‘ (3) ¢’¥§«“¡ “¡“√∂„π°“√·¢àß¢—π∑’Ë·∑â®√‘ß‡æ‘Ë¡ Ÿß¢÷Èπ„π°≈ÿà¡ ‘π§â“∑’Ëª√–‡∑»‰∑¬‡ªìπ·À≈àßº≈‘μ∑’Ë ”§—≠ ‡™àπ ‘π§â“Õ‘‡≈Á°∑√Õπ‘° å ·≈–¬“π¬πμå °“√‡ª≈’Ë¬π·ª≈ßπ’È àßº≈„Àâ∞“π√“¬‰¥â®“°°“√ àßÕÕ° ‡æ‘Ë¡ Ÿß¢÷Èπ ·≈–¡’ à«π™à«¬™¥‡™¬°“√¢“¥¥ÿ≈πÈ”¡—π‰¥â¡“°¢÷Èπ (4) „πªï 2550 ¡’°“√„™âæ≈—ßß“π∑¥·∑π¡“°¢÷Èπ àßº≈„Àâ ª√‘¡“≥°“√π”‡¢â“πÈ”¡—π¥‘∫·≈–‡™◊ÈÕ‡æ≈‘ß≈¥≈ß ·≈–¡Ÿ≈§à“°“√π”‡¢â“ πÈ”¡—π¥‘∫·≈–‡™◊ÈÕ‡æ≈‘ß√«¡„π√Ÿª¢Õß‡ß‘π¥Õ≈≈“√å √Õ. ‡æ‘Ë¡¢÷Èπ ‡æ’¬ß‡≈Á°πâÕ¬

Trade surplus in 2007 indicated that the following changes have occurred. (1) The continuing slowdown in investment that has started since 2006 has caused a decrease in demand for capital goods. (2) The drop of confidence in business sector has caused a slowdown in private investment to be worse than normal. (3) Exports of certain products manufactured in Thailand such as electronics and automotive greatly attributed to an increase in export earning and help compensate the oil deficit. (4) In 2007, an increasing use of alternative energy has resulted in a decrease in import volume of crude oil. However, the total value of crude oil and fuel import in terms of US dollars slightly increased.

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 61

Overview of Life Insurance Business in 2007-2008

®“°°“√∑’Ë‡»√…∞°‘®‰∑¬¡’°“√¢¬“¬μ—«„πªï 2550 àßº≈„Àâ¡’ °“√®â“ßß“π‡æ‘Ë¡¢÷Èπ∂÷ß√âÕ¬≈– 1.6 Õ—μ√“°“√«à“ßß“π‡©≈’Ë¬√âÕ¬≈– 1.4 ¿“æ√«¡¢Õß‡»√…∞°‘ ® ‰∑¬¬— ß ¡’ ‡ ∂’ ¬ √¿“æ·μà · √ß°¥¥— π ‡ß‘π‡øÑÕ‡æ‘Ë¡ Ÿß¢÷Èπ Õ—μ√“¥Õ°‡∫’È¬„πμ≈“¥‡ß‘π∑√ßμ—« ¡’°“√‡√àß ª≈àÕ¬ ‘π‡™◊ËÕ¡“°¢÷Èπ ¢≥–‡¥’¬«°—π‡ß‘πΩ“°∏π“§“√™–≈Õμ—«≈ß Õ¬à“ßμàÕ‡π◊ËÕß àßº≈„Àâ ¿“æ§≈àÕß‡√‘Ë¡≈¥≈ß ·μà¬—ßÕ¬Ÿà„π√–¥—∫ Ÿß §à“‡ß‘π∫“∑·¢Áß§à“¢÷Èπ‡¡◊ËÕ‡∑’¬∫°—∫‡ß‘π¥Õ≈≈“√å √Õ. ¥—™π’√“§“ μ≈“¥À≈—°∑√—æ¬åª√—∫μ—«‡æ‘Ë¡¢÷Èπ·¡â«à“®–¡’§«“¡º—πº«πμ“¡°“√ ‡§≈◊ËÕπ¬â“¬‡ß‘π∑ÿπ¢Õßπ—°≈ß∑ÿπμà“ß™“μ‘ ”À√—∫∞“π–°“√§≈—ß ¢“¥¥ÿ≈ß∫ª√–¡“≥·≈–¢“¥¥ÿ≈‡ß‘π ¥ ∑—Èßπ’È ‡ªìπ‰ªμ“¡π‚¬∫“¬ °“√§≈—ß·∫∫¢“¥¥ÿ≈‡æ◊ËÕ°√–μÿâπ‡»√…∞°‘® μ≈Õ¥ªï 2550 ªí®®—¬∑’Ë π—∫ πÿπ°“√¢¬“¬μ—«¢Õß‡»√…∞°‘® ª√–°Õ∫¥â « ¬ ¿“«–‡»√…∞°‘ ® ¢Õßª√–‡∑» °“√ à ß ÕÕ°‡ªì π √“¬°“√∑’Ë ”§—≠¢Õß‰∑¬∑’Ë¡’°“√¢¬“¬μ—« Ÿß¢÷Èπ ·≈–‡Õ◊ÈÕª√–‚¬™πå μàÕ°“√ àßÕÕ°¢Õß‰∑¬ °“√‡√àß√—¥°“√‡∫‘°®à“¬ß∫ª√–¡“≥√—∞∫“≈ ·≈–ß∫≈ß∑ÿπ√—∞«‘ “À°‘®μàÕ‡π◊ËÕßÕ—μ√“¥Õ°‡∫’È¬μË”≈ß„π§√÷Ëßªï·√° ·≈–§«“¡‡™◊ËÕ¡—ËπºŸâ∫√‘‚¿§·≈–¿“§∏ÿ√°‘®¥’¢÷Èπ„π™à«ßª≈“¬ªï À¡“¬‡Àμÿ : ¢â Õ ¡Ÿ ≈ ¿“æ√«¡‡»√…∞°‘ ® ‰∑¬®“° ”π— ° ¬ÿ∑∏»“ μ√å·≈–°“√«“ß·ºπ‡»√…∞°‘®¡À¿“§ ”π—°ß“π§≥– °√√¡°“√æ—≤π“°“√‡»√…∞°‘®·≈– —ß§¡·Ààß™“μ‘ ≥ «—π∑’Ë 25 °ÿ¡¿“æ—π∏å 2551

An economic expansion in 2007 has caused an increase of 1.6% in employment while the unemployment rate was at 1.4%. And although the overall economy was still stable, there was a pressure of increasing inflation. Interest rate in the market was also stable and commercial banks still increase their lending volume. Meanwhile, the value of bank deposit continued to slow down, causing a decrease in liquidity, although its overall status remained at high level. The value of Thai Baht against US dollars was strengthened while the stock market index remained high, despite the fluctuation, caused by an outflow of foreign capital. The Thai government adopted budget and cash deficit policies in order to stimulate economy. Throughout the year 2007, factors attributed to an economic expansion included domestic economic condition, exports, government and state enterprises budget spending, in couple with low interest rate and improved consumers and business confidence at the end of the year. Note: Overview of Thai Economy, the Office of Macro Economic Strategy and Planning, the Office of the National Economic and Social Development Board, February 25, 2008.

π™’«‘μ‰∑¬ 62 ¡“§¡ª√–°— The Thai Life Assurance Association

Overview of Life Insurance Business in 2007-2008

Thailandûs Macro Economic Indicators 2009 proj. 1. Population (Million persons)

2008 proj.

2007

2006

2005

2004

---

63.39

63.04

62.83

62.42

61.97

---

4,369.4

4,259.6

4,059.6

3,858.0

3,688.1

---

2.6

4.9

5.2

4.6

6.3

---

9,102.7

8,493.3

7,841.3

7,092.8

6,489.4

(% change)

---

7.2

8.3

10.6

9.3

9.7

2.3 GNP per capita (Baht : Person)

---

130,616.9

123,673.4

114,748.0

103,667.8

96,049.2

-0.3

5.5

2.3

4.7

4.5

2.7

1.00-1.75

1.75-2.00

2.25-2.38

4.00-5.00

2.50-3.50

1.00-1.00

35.33

33.36

34.56

37.93

40.27

2. GDP 2.1 GDP at constant 1988 price (Billions of Baht) (% change) 2.2 GDP at current price (Billions of Baht)

3. Inflation 4. Fixed deposits (1 yr.) 5. Exchange rate (Baht : 1 USD)

∑’Ë¡“ : ∏π“§“√·Ààßª√–‡∑»‰∑¬ ¢âÕ¡Ÿ≈ª√—∫ª√ÿß≈à“ ÿ¥ ≥ «—π∑’Ë 31 ¡’π“§¡ 2552 Source: The Bank of Thailand. Latest Update on March 31, 2009.

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 63

Overview of Life Insurance Business in 2007-2008

GDP of Thailand 8

%Change

7.1 6.3

5.2

4.9

4.6

5 4

2.6

3 2

2003

2004

2005

2006

2007

2008 GDP of Thailand

% of Interest rate - 1 year fixed deposits 6.00

5.00

5.00 4.00

4.00

3.50 3.00

2.38

2.50 2.25

2.00 1.00 0

1.00

2.00

1.75

1.00

1.00 2003

2004

2005

2006

2007

2008

2009 p. Min Max

∑’Ë¡“ : ∏π“§“√·Ààßª√–‡∑»‰∑¬ ¢âÕ¡Ÿ≈ª√—∫ª√ÿß≈à“ ÿ¥ ≥ «—π∑’Ë 31 ¡’π“§¡ 2552 Source: The Bank of Thailand. Latest Update on March 31, 2009. π™’«‘μ‰∑¬ 64 ¡“§¡ª√–°— The Thai Life Assurance Association

Overview of Life Insurance Business in 2007-2008

2. ¿“æ√«¡‡»√…∞°‘®‰∑¬ªï 2551

2. An Overview of Thai Economy in 2008

¿“æ√«¡‡»√…∞°‘®‰∑¬ªï 2551 ¡’Õ—μ√“°“√¢¬“¬μ—«¢Õß GDP ‡æ’¬ß√âÕ¬≈– 2.6 ≈¥μË”≈ß¡“°°«à“ªï 2550 ∂◊Õ«à“‡ªìπ·√ß¢—∫ ‡§≈◊ËÕπ‡»√…∞°‘®∑’ËπâÕ¬¡“° ·√ß°¥¥—π‡ß‘π‡øÑÕ„π‰μ√¡“ ∑’Ë 4 ≈¥≈ß ‡ªìπ√âÕ¬≈– 2.1 ‡π◊ËÕß¡“®“°√“§“πÈ”¡—π·≈–√“§“ ‘π§â“‚¿§¿—≥±å ∑’Ë≈¥≈ß ·≈–‡©≈’Ë¬∑—ÈßªïÕ—μ√“‡ß‘π‡øÑÕÕ¬Ÿà∑’Ë√âÕ¬≈– 5.5 ¿“æ√«¡ ‡»√…∞°‘®¬—ß§ß¡’‡ ∂’¬√¿“æ

In 2008, Thai GDP was at 2.6% which was a sharp decrease from that in 2007 while inflation in the 4th quarter dropped to 2.1% as a result of a decrease in the price of oil and consumer goods. The yearly average of inflation was at 5.5%. The overall economic condition was still stable.

Õ—μ√“¥Õ°‡∫’È¬‡ß‘πΩ“°≈¥≈ß ·μàÕ—μ√“‡ß‘π‡øÑÕ≈¥≈ß‡√Á«°«à“ àßº≈„ÀâÕ—μ√“¥Õ°‡∫’È¬·∑â®√‘ß°≈—∫¡“‡ªìπ∫«°·≈–‡æ‘Ë¡¢÷Èπ ®÷ß¬—ß ‰¡à‡ªìπªí®®—¬ π—∫ πÿπ‡»√…∞°‘®„π™à«ß‡»√…∞°‘®¢“≈ß ‘π‡™◊ËÕ ™–≈Õμ—«·≈–‡ß‘πΩ“°‡√àßμ—«¢÷Èπ∑”„Àâ ¿“æ§≈àÕß à«π‡°‘π°≈—∫¡“ ‡æ‘Ë¡¢÷Èπ à«π§à“‡ß‘π∫“∑‡¡◊ËÕ‡∑’¬∫°—∫‡ß‘π¥Õ≈≈“√å √Õ. ÕàÕπ§à“≈ß μàÕ‡π◊ËÕß ªí≠À“Àπ’È¥âÕ¬§ÿ≥¿“æ‰¥âπ”‰ª Ÿà«‘°ƒμ∑“ß°“√‡ß‘π„π «ß°«â“ß ·≈–ªí≠À“∑“ß°“√‡¡◊Õß¿“¬„πª√–‡∑» àßº≈„Àâ§«“¡ ‡™◊ËÕ¡—Ëπ¢Õßπ—°≈ß∑ÿπ≈¥≈ß

Bank deposit interest continued to decrease while inflation also dropped at a faster rate. The situation caused real interest rate to become positive and to increase. The slowdown in bank lending and an increase in deposit caused a recurrence of liquidity surplus. The value of Thai Baht continued to decrease against US dollar. Non-performing loans led to a widespread financial crisis and domestic political unrest have affected the confidence of investors.

∞“π–°“√§≈— ß ¢“¥¥ÿ ≈ ß∫ª√–¡“≥·≈–¢“¥¥ÿ ≈ ‡ß‘ π ¥‡ªì π ®”π«π Ÿß∂÷ß 129,003 ≈â“π∫“∑ ·≈– 208,134 ≈â“π∫“∑ „π™à«ß ‡¥◊Õπμÿ≈“§¡∂÷ß∏—π«“§¡ 2551 ‡π◊ËÕß®“°°“√®—¥‡°Á∫√“¬‰¥â≈¥≈ß ·≈–μË”°«à“‡ªÑ“À¡“¬¡“° ®÷ß‰¡à‡æ’¬ßæÕ°—∫°“√‡∫‘°®à“¬„π¥â“π √“¬®à“¬ Àπ’È “∏“√≥–§ß§â“ß ≥ ‘Èπ‡¥◊Õπæƒ»®‘°“¬π 2551 ‡æ‘Ë¡ ¡“°¢÷Èπ§‘¥‡ªìπ√âÕ¬≈– 37 ¢Õß GDP à«π„À≠à‡æ‘Ë¡¢÷Èπ®“°Àπ’È¢Õß √—∞«‘ “À°‘®∑’Ë‰¡à„™à ∂“∫—π°“√‡ß‘π

During October to December 2008, the country saw the budget and cash deficit of as high as 129,003 million Baht and 208,134 million Baht respectively. During a period between October to December 2008, the governmentûs revenue collection was much below the target and thus caused an insufficiency of fund to cover the expenses. As of the end of November 2008, the total of accrued public debt increased by 37% of GDP. Most of the increase was attributed by the debts of state enterprises that are not financial institutions.

ª√–‡¥ÁπÀ≈—°∑’Ë‡ªìπªí®®—¬ àßº≈°√–∑∫μàÕ¿“«–‡»√…∞°‘®‰∑¬ „πªï 2551 ¡’¥—ßπ’È (1) º≈°√–∑∫®“°¿“«–«‘°ƒμ¢Õß‡»√…∞°‘®‚≈° ´÷Ëß‡ªìπº≈ °√–∑∫μàÕ‡π◊ËÕßμàÕ§à“„™â®à“¬ º≈°“√≈ß∑ÿπ·≈–°“√§â“√–À«à“ß ª√–‡∑»¢Õßª√–‡∑»μà“ßÊ ∑’Ë≈¥≈ß ‡ªìπº≈„Àâ¡Ÿ≈§à“·≈–ª√‘¡“≥ °“√ àßÕÕ°À¥μ—«≈ßÕ¬à“ß™—¥‡®π ·≈–°“√≈ß∑ÿπ∑—Èß¿“§‡Õ°™π ·≈–¿“§√—∞À¥μ—«„π¢≥–∑’Ë°“√„™â®à“¬¢Õß§√—«‡√◊Õπ™–≈Õμ—«‡≈Á° πâÕ¬ àßº≈„Àâ¿“§°“√º≈‘μÀ¥μ—«∑—Èß¿“§Õÿμ “À°√√¡ °“√¢π àß °“√°àÕ √â“ß ·≈–¿“§∫√‘°“√ ∑”„Àâ°“√ àßÕÕ° ‘π§â“·≈–∫√‘°“√ ∑àÕß‡∑’Ë¬«¢Õß‰∑¬À¥μ—«„π‰μ√¡“ 4

Key factors attributed to Thai economy in 2008 include: (1) Global economic crisis has affected the expenses, investment return and the volume of international trade. The value and volume of Thailand exports dropped sharply. Private and public investment contracted while household consumption decelerated. The situation caused a slowdown in industrial productivity, transportation, construction and service sector including tourism in the 4th quarter.

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 65

Overview of Life Insurance Business in 2007-2008

(2) §«“¡‰¡à ß∫·≈–ªí≠À“¥â“π°“√‡¡◊Õß ·≈–°“√ªî¥ π“¡∫‘π π“π“™“μ‘∑—Èß 2 ·Ààß ‰¥â àßº≈°√–∑∫´È”‡μ‘¡μàÕ°“√∑àÕß‡∑’Ë¬«·≈– ‡ªìπÕÿª √√§μàÕ°“√¢π àß ‘π§â“√–À«à“ßª√–‡∑» √«¡∑—Èß‰¥â àßº≈ „Àâ§«“¡‡™◊ËÕ¡—Ëπ¢Õßª√–™“™π·≈–¿“§∏ÿ√°‘®‡Õ°™π≈¥≈ß ¡’º≈ °√–∑∫μàÕ°“√„™â®à“¬·≈–°“√≈ß∑ÿπ¿“§‡Õ°™π

(2) Political unrest by demonstrators have worsened the problem of tourism industry and affected international air transportation activities. The situation also caused public and private sector to become less confident and more cautious about spending and investment.

(3) °“√‡ª≈’Ë¬π·ª≈ß√—∞∫“≈À≈“¬§√—Èß ∑”„Àâ°“√‡∫‘°®à“¬ ß∫ª√–¡“≥¿“§√—∞¡’§«“¡≈à“™â“ ·≈–μË”°«à“‡ªÑ“À¡“¬·≈–°“√ ¥”‡π‘π‚§√ß°“√≈ß∑ÿπ¿“§√—∞¡’§«“¡≈à“™â“

(3) The frequent change of government has caused a delay in budget withdrawal and spending and governmentûs investment projects.

„πªï 2552 ·π«‚πâ¡‡»√…∞°‘®‚≈°®–¢¬“¬μ—«‡æ’¬ß√âÕ¬≈– -0.5 ∂÷ß 0.5 ´÷Ëß®–‡ªìπ°“√¢¬“¬μ—«μË” ÿ¥π—∫μ—Èß·μàÀ≈—ß ß§√“¡‚≈° §√—Èß∑’Ë 2 ·≈–¡“μ√°“√°“√·°â‰¢ªí≠À“∑“ß‡»√…∞°‘®¢Õßª√–‡∑» μà“ßÊ ‰¥â‡√‘Ë¡ª√–°“»„π™à«ß‰μ√¡“ ÿ¥∑â“¬¢Õßªï 2551 ·≈–μâπªï 2552 §“¥«à“®–™à«¬„Àâ‡»√…∞°‘®‚≈°øóôπμ—«Õ¬à“ß™â“Ê „π™à«ß ª≈“¬ªï ¿“¬„μâ‡ß◊ËÕπ‰¢∑’Ëªí≠À“¿“§°“√‡ß‘π‰¥âºà“πæâπ®ÿ¥μË” ÿ¥ ‰ª·≈â«·≈–§«“¡‡™◊ËÕ¡—Ëπ‡√‘Ë¡ª√—∫μ—«¥’¢÷Èπ ·μà ”À√—∫‡»√…∞°‘®¢Õß ‰∑¬„πªï 2552 §“¥«à“®–™–≈Õμ—«≈ßÕ¬à“ß¡“° ∑”„Àâ¡’·π«‚πâ¡ ¢Õß°“√¢¬“¬μ—«Õ¬Ÿà∑’Ëª√–¡“≥√âÕ¬≈– -2.7 ∂÷ß -4.9 ‡π◊ËÕß®“° «‘°ƒμ‘°“√‡ß‘π‚≈°¬—ß àßº≈°√–∑∫μàÕ‡»√…∞°‘®ª√–‡∑»À≈—° ·≈– ª√–‡∑»„π¿Ÿ ¡ ‘ ¿ “§À¥μ— « ≈ßÕ¬à “ ßμà Õ ‡π◊ Ë Õ ß √«¡∑— È ß ‡Àμÿ ° “√≥å ∑“ß°“√‡¡◊Õß¢Õß‰∑¬¬—ßªíòπªÉ«π ·≈–æ∫«à“°“√ àßÕÕ°¢Õß‰∑¬ À¥μ—«Õ¬à“ß√ÿπ·√ß ¢≥–∑’ËÕÿª ß§å¿“§‡Õ°™π¬—ß¡’§«“¡ÕàÕπ·Õ ·¡â«à“√—∞®–¡’·ºπ°√–μÿâπ‡»√…∞°‘®™à«¬™¥‡™¬Õÿª ß§å¢Õß¿“§ ‡Õ°™π ·μà‡»√…∞°‘®‰∑¬¬—ß¡’§«“¡‡ ’Ë¬ß·¡â«à“‡ß‘π‡øÑÕ∑—Ë«‰ª·≈– ‡ß‘π‡øÑÕæ◊Èπ∞“π®–ª√—∫μ—«≈¥≈ß §≥–°√√¡°“√π‚¬∫“¬°“√‡ß‘π (°πß.) ®÷ß®”‡ªìπμâÕß„™âπ‚¬∫“¬°“√‡ß‘π∑’ËºàÕπ§≈“¬‡æ◊ËÕ°√–μÿâπ ‡»√…∞°‘®„πª√–‡∑»

It is expected that in 2009, Thai economy will grow at the rate of -0.5-0.5%, the lowest since WW2. It is also expected that all economic stimulus plans initiated during a period starting from the last quarter of 2008 to the beginning of 2009, would cause the world economy to make a slow recovery at the end of 2009, provided that the economic crisis has bottomed out and confidence level picked up. As a slowdown in Thai economy will get worse in 2009, it is expected that the economic growth rate will be around -2.7 to -4.9% due to the lingering global financial crisis, an economic slowdown in the region and domestic political unrest. Exports from Thailand will drastically drop while demand from private sector will remain weak. Despite the governmentûs economic stimulus efforts to offset the demand from private sector, the Thai economy remains at risk. And although, the general or basic inflation has dropped, it is still necessary for the National Monetary Policy Board to implement relaxed monetary policy in order to stimulate local economy.

À¡“¬‡Àμÿ : ¢âÕ¡Ÿ≈¿“æ√«¡‡»√…∞°‘®‰∑¬ªï 2551 ·≈–·π«‚πâ¡ªï 2552 ®“° ”π—°¬ÿ∑∏»“ μ√å·≈–°“√«“ß·ºπ‡»√…∞°‘®¡À¿“§ ”π—°ß“π§≥–°√√¡°“√æ—≤π“°“√‡»√…∞°‘®·≈– —ß§¡·Ààß™“μ‘ ≥ «— π ∑’ Ë 23 °ÿ ¡ ¿“æ— π ∏å 2552 ·≈– √ÿ ª ¢à “ «‡»√…∞°‘ ® ÀÕ°“√§â “ ‰∑¬ ¿“ÀÕ°“√§â “ ·Àà ß ª√–‡∑»‰∑¬ ‡¡◊ Ë Õ «— π ∑’ Ë 9 ‡¡…“¬π 2552

Note: Overview of Thai Economy in 2008 and 2009, the Office of Macro Economic Strategy and Planning, the Office of the National Economic and Social Development Board, February 23, 2009 and News Summary by the Thai Chamber of Commerce, April 9, 2009.

π™’«‘μ‰∑¬ 66 ¡“§¡ª√–°— The Thai Life Assurance Association

Overview of Life Insurance Business in 2007-2008

3. ∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ªï 2550

3. The Thai Life Insurance Business in 2007

3.1 ®”π«π‡∫’È¬ª√–°—π™’«‘μ ®“°μ“√“ß®–æ∫«à“∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ªï 2550 ¡’Õ—μ√“°“√ ‡μ‘∫‚μ Ÿß¢÷Èπ®“°ªï°àÕπ∂÷ß√âÕ¬≈– 16.69 (2549 : +3.84%) ¥â«¬‡∫’È¬ ª√–°—π¿—¬√—∫ ÿ∑∏‘√«¡ 197,623 ≈â“π∫“∑ ‡ªìπ‡∫’È¬ª√–°—π¿—¬√—∫ªï ·√° 42,954 ≈â“π∫“∑ Õ—μ√“°“√‡μ‘∫‚μ√âÕ¬≈– 31.81 (2549 : 7.86%) ‡∫’È¬ª√–°—π¿—¬ªïμàÕÕ“¬ÿ 137,377 ≈â“π∫“∑ Õ—μ√“°“√ ‡μ‘∫‚μ√âÕ¬≈– 6.90 ·≈–¡’Õ—μ√“§«“¡§ßÕ¬Ÿà√âÕ¬≈– 85 (2549 : 86%) ·≈–‡∫’È¬ª√–°—π¿—¬®à“¬§√—Èß‡¥’¬« 17,293 ≈â“π∫“∑ Õ—μ√“ °“√‡μ‘∫‚μ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 109.34 (2549 : -41.56%)

3.1 Amount of Life Insurance Premiums

The table shows that in 2007, life insurance business in Thailand saw a growth of 16.69% (2006 : +3.84%) with total net premium income of 197,623 million Baht in which 42,954 million Baht or an increase of 31.81% (2006 : 7.86%) was first year premium, 137,377 million Baht or an increase of 6.90% was renewal premiums while the persistency rate was 85% (2006 : 86%) and 17, 293 million Baht or an increase of 109.34% (2006 : -41.56%) was single-premiums.

Net Written Premiums Àπà«¬ : ≈â“π∫“∑ / Unit : Million Baht

Net Written Premiums / Year

2549 2006

2550 2007

% Growth

- First Year Premiums (Less Refund)

32,589

42,954

31.81%

- Renewal Premiums (Less Refund)

128,511

137,377

6.90%

8,261

17,293

109.33%

Total (including Single Premium)

169,361

197,624

16.69%

Excluding Single Premium

161,100

180,331

11.94%

- Single Premiums (Less Refund)

∑’Ë¡“ : ∂‘μ‘√“¬ß“π∏ÿ√°‘®ª√–°—π™’«‘μªï 2550 ¡“§¡ª√–°—π™’«‘μ‰∑¬ Source: Life Insurance Statistic Report 2007, The Thai Life Assurance Association.

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 67

Overview of Life Insurance Business in 2007-2008

ªí®®—¬μà“ßÊ ∑’Ë¡’º≈μàÕ°“√¢¬“¬μ—«¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ„πªï 2550 Õ—μ√“¥Õ°‡∫’È¬·≈–º≈μÕ∫·∑π¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ¬—ßÕ¬Ÿà „π‡°≥±å¥’ Õ’°∑—Èß∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬‰¥â¡’°“√æ—≤π“º≈‘μ¿—≥±å „À¡àÊ ∑’ËÀ≈“°À≈“¬ πÕßμÕ∫§«“¡μâÕß°“√¢Õß≈Ÿ°§â“„π«ß°«â“ß °“√‡√à ß æ— ≤ π“™à Õ ß∑“ß°“√®”Àπà “ ¬„Àâ ¡ ’ À ≈“°À≈“¬™à Õ ß∑“ß ¡“°¢÷Èπ “¡“√∂‡¢â“∂÷ß·≈–Õ”π«¬§«“¡ –¥«°·°à≈Ÿ°§â“‰¥â‡ªìπ Õ¬à“ß¥’ ·≈–°“√·¢àß¢—π„Àâ§«“¡√Ÿâ‡°’Ë¬«°—∫°“√ª√–°—π™’«‘μ·°à ª√–™“™π √«¡∑—Èß°“√‚¶…≥“ª√–™“ —¡æ—π∏åμà“ßÊ 3.2 ®”π«π°√¡∏√√¡åª√–°—π™’«‘μ√“¬„À¡à·≈–°√¡∏√√¡å ª√–°—π™’«‘μ∑’Ë¡’º≈∫—ß§—∫

Factors attributed to such growth include interest and returns in life insurance business remained at good level, availability of newly developed and diverse products, introduction of new distribution channels, improved customer services and successful public awareness campaigns.

3.2 New Business and In-force Policies

New Business and In-force Policies New Business 2006 2007

% growth

In-force Policies 2006 2007

% growth

No. of Policies - Ordinary

1,819,142

2,094,952

15.16

9,641,392

10,692,952

10.91

- Industrial

179,888

233,205

29.64

2,426,024

2,381,806

-1.82

5,117

4,042

-21.01

16,150

17,265

6.90

2,004,147

2,332,199

16.37

12,083,566

13,092,023

8.35

- Ordinary

358,064

426,188

19.03

1,894,290

2,121,950

12.02

- Industrial

12,580

17,160

36.41

130,668

133,034

1.81

523,407

520,512

-0.55

1,663,389

1,796,561

8.01

894,051

963,860

7.81

3,688,348

4,051,545

9.85

19%

21%

- Group Total Sum Insured (Million Baht)

- Group Total Penetration rate

∑’Ë¡“ : ∂‘μ‘√“¬ß“π∏ÿ√°‘®ª√–°—π™’«‘μªï 2550 ¡“§¡ª√–°—π™’«‘μ‰∑¬ Source: Business Report 2007: The Thai Life Assurance Association À¡“¬‡Àμÿ : Penetration rate = No. of Policies in-force / No. of Population Note: Penetration rate = No. of Policies in-force / No. of Population

π™’«‘μ‰∑¬ 68 ¡“§¡ª√–°— The Thai Life Assurance Association

Overview of Life Insurance Business in 2007-2008

®“°μ“√“ß¢â“ßμâπ ∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬¡’°√¡∏√√¡åª√–°—π ™’«‘μ∑’Ë¡’º≈∫—ß§—∫„πªï 2550 ¡’®”π«π∑—Èß ‘Èπ 13,092,023 °√¡∏√√¡å ¡’Õ—μ√“°“√‡μ‘∫‚μ‡æ‘Ë¡¢÷Èπ®“°ªï°àÕπ√âÕ¬≈– 8.35 (2549 : 8.05%) ”À√—∫°√¡∏√√¡åª√–°—π™’«‘μ√“¬„À¡àªï 2550 ¡’®”π«π∑—Èß ‘Èπ 2,332,199 °√¡∏√√¡å Õ—μ√“°“√‡μ‘∫‚μ Ÿß¢÷Èπ√âÕ¬≈– 16.37 ®“°ªï 2549 ‡ªìπ°√¡∏√√¡åª√–°—π™’«‘μª√–‡¿∑ “¡—≠ 2,094,952 °√¡∏√√¡å ¡’Õ—μ√“°“√‡μ‘∫‚μ√âÕ¬≈– 15.16 °√¡∏√√¡åª√–°—π™’«‘μª√–‡¿∑ Õÿμ “À°√√¡ 233,205 °√¡∏√√¡å ¡’Õ—μ√“°“√‡μ‘∫‚μ√âÕ¬≈– 29.64 „π¢≥–∑’ Ë Õ — μ √“°“√‡μ‘ ∫ ‚μ¢Õß°√¡∏√√¡å ª √–°— π ™’ « ‘ μ ª√–‡¿∑ Õÿμ “À°√√¡∑’Ë¡’º≈∫—ß§—∫≈¥≈ß√âÕ¬≈– 1.82 ·≈–°√¡∏√√¡åª√–°—π ™’«‘μª√–‡¿∑°≈ÿà¡ 4,042 °√¡∏√√¡å ¡’Õ—μ√“°“√‡μ‘∫‚μ≈¥≈ß√âÕ¬≈– 21.01 ·μàÕ—μ√“°“√‡μ‘∫‚μ¢Õß°√¡∏√√¡åª√–°—π™’«‘μª√–‡¿∑°≈ÿà¡∑’Ë ¡’º≈∫—ß§—∫°≈—∫‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 6.90

The table above shows that in 2007, the total number of policy-in-force was 13,092,023 or an increase of 8.35% compared with 8.05% in 2006 while total number of new policies was 2,332,199 or an increase of 16.37% from that in the previous year. Of all new policies, 2,094,952 were ordinary life which represented an increase of 15.16% from the previous year, 2,233,205 were industrial insurance products which represented a decrease of 1.82% from the previous year, 4,042 were group products which represented a decrease of 21.01% from the previous year. However, the total number of in-force group life policies increased by 6.90%.

Õ¬à“ß‰√°Áμ“¡ª√–™“™π¬—ß„Àâ§«“¡ π„®„π°“√∑”ª√–°—π™’«μ‘ ª√–‡¿∑ “¡—≠ ·≈– π„®„π°“√∑”ª√–°—π™’«‘μª√–‡¿∑Õÿμ “À°√√¡ ‡æ‘Ë¡¢÷Èπ

The figure above also shows that more people are interested in ordinary and group insurance products.

3.3 Õ—μ√“°“√∂◊Õ§√Õß°√¡∏√√¡åª√–°—π™’«‘μ ®”π«πºŸâ∂◊Õ°√¡∏√√¡åª√–°—π™’«‘μ„πªï 2550 ¡’∂÷ß√âÕ¬≈– 21 (2549 : +19%) ¢Õßª√–™“°√∑—ÈßÀ¡¥ Õ¬à“ß‰√°Áμ“¡ °√¡∏√√¡åª√–°—π™’«‘μª√–‡¿∑ “¡—≠¬—ß§ß¡’ —¥ à«π°√¡∏√√¡å Ÿß ÿ¥ „π®”π«π°√¡∏√√¡åª√–°—π™’«‘μª√–‡¿∑ μà“ßÊ

3.3 Persistency Rate The total number of policy holders in 2007 represented 21% of total population in Thailand against that of 19.0% in 2006. Of this total, the number of ordinary life insurance policies was the highest.

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 69

Overview of Life Insurance Business in 2007-2008

3.4 ®”π«π‡ß‘π ”√Õßª√–°—π¿—¬ „πªï 2550 ∏ÿ√°‘®ª√–°—π™’«μ‘ ‰∑¬¡’‡ß‘π ”√Õßª√–°—π¿—¬®”π«π 646,321 ≈â“π∫“∑ §‘¥‡ªìπ —¥ à«π Ÿß∂÷ß√âÕ¬≈– 91.39 ¢ÕßÀπ’È ‘π √«¡∑—ÈßÀ¡¥®”π«π 707,250 ≈â“π∫“∑

3.4 Insurance Reserve In 2007, the total amount of insurance reserve in the industry was 646,421 million Baht or 91.39% of total liabilities of 707,250 million Baht.

—¥ à«π¢ÕßÀπ’È ‘π√«¡ªï 2550 Ratio of Total Liabilities in 2007 Life Policy Reserves 91.39% Unpaid Losses 1.49% Due to Insureds 3.43% Amount Withheld on Reinsurance Treaties 0.01% Due to Reinsurers 0.14% Loans and Bank Overdraft 0.00% Accrued Expenses 1.24% Other Liabilities 2.16% Head Office Account 0.14%

∑’Ë¡“ : ∂‘μ‘√“¬ß“π∏ÿ√°‘®ª√–°—π™’«‘μªï 2550 ¡“§¡ª√–°—π™’«‘μ‰∑¬ Source : Life Insurance Statistic Report 2007, The Thai Life Assurance Association.

π™’«‘μ‰∑¬ 70 ¡“§¡ª√–°— The Thai Life Assurance Association

Overview of Life Insurance Business in 2007-2008

3.5 ‡ß‘π°Õß∑ÿπ „πªï 2550 ∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬¡’‡ß‘π°Õß∑ÿπ®”π«π 110,047 ≈â“π∫“∑ „π®”π«ππ’È‡ªìπ∑ÿπ™”√–·≈â«®”π«π 25,068 ≈â“π∫“∑ à«π‡°‘π∑ÿπ®”π«π 22,791 ≈â“π∫“∑ °”‰√ – ¡∑’Ë®—¥ √√·≈â« ®”π«π 931 ≈â“π∫“∑ ·≈–∑’Ë¬—ß‰¡à‰¥â®¥— √√®”π«π 61,257 ≈â“π∫“∑

3.5 Capital Funds In 2007, the total capital funds in Thai life insurance business was 110,047 million Baht in which 25,068 million Baht was paid up capital, 22,791 million Baht was surplus capital and 931 and 61,257 million Baht were appropriated and un-appropriated retained earning respectively.

‡ß‘π°Õß∑ÿπ Capital Funds °”‰√ (¢“¥∑ÿπ) – ¡¬—ß‰¡à‰¥â®—¥ √√ 61,257 ≈â“π∫“∑ 55% Un-appropriated retained earnings = 61,257 million Baht or 55%. ∑ÿπ™”√–·≈â« 25,068 ≈â“π∫“∑ 23% Paid-Up Capital Funds = 25,068 million Baht or 23%. à«π‡°‘π (μË”°«à“) ∑ÿπ 22,791 ≈â“π∫“∑ 21% Surplus (lower than) capitals = 22,791 million Baht or 21%. °”‰√ (¢“¥∑ÿπ) – ¡®—¥ √√·≈â« 931 ≈â“π∫“∑ 1% Appropriated retained earning = 931 million Baht or 1%.

∑’Ë¡“ : ∂‘μ‘√“¬ß“π∏ÿ√°‘®ª√–°—π™’«‘μªï 2550 ¡“§¡ª√–°—π™’«‘μ‰∑¬ Source : Life Insurance Statistic Report 2007, The Thai Life Assurance Association.

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 71

Overview of Life Insurance Business in 2007-2008

3.6 ‘π∑√—æ¬å√«¡ „πªï 2550 ∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬¡’ ‘π∑√—æ¬å√«¡ 817,297 ≈â“π∫“∑ ¡’Õ—μ√“°“√‡μ‘∫‚μ√âÕ¬≈– 16.15 ®“°ªï°àÕπ à«π„À≠à ‡ªìπÀ≈—°∑√—æ¬å√—∞∫“≈·≈–√—∞«‘ “À°‘® (Government Security) §‘¥ ‡ªìπ —¥ à«π¢Õß ‘π∑√—æ¬å∑—ÈßÀ¡¥√âÕ¬≈– 55.05 √Õß≈ß¡“‡ªìπ À≈—°∑√—æ¬å‡Õ°™π (Private Security) ·≈–‡ß‘π„Àâ°Ÿâ¬◊¡ (Loans) —¥ à«π√âÕ¬≈– 26.31 ·≈– 7.79 μ“¡≈”¥—∫

3.6 Total Assets In 2007, the total assets in Thai life insurance industry was 817,297 million Baht or an increase of 16.15% from the previous year. Most of the assets or 55,05% were government securities, followed by private securities and loans which represented 26.31% and 7.79% of total assets respectively.

—¥ à«π¢Õß ‘π∑√—æ¬å√«¡ ªï 2550 Ratio of Total Assets Due from Reinsurers, 0.02% Amount Deposit on Reinsurance treaties, 0.004% Immovable Assets and Operating Assets, 1.58%

Uncollected Premiums, 1.21% Accured Income, 1.44% Other Assets, 0.12%

Cash and Financial Institution Deposit, 2.17%

Other Investment, 0.19% Loans, 7.79% Foreign Security, 4.12% Private Security, 26.31% Government Security, 55.05% ∑’Ë¡“ : ∂‘μ‘√“¬ß“π∏ÿ√°‘®ª√–°—π™’«‘μªï 2550 ¡“§¡ª√–°—π™’«‘μ‰∑¬ Source : Life Insurance Statistic Report 2007, The Thai Life Assurance Association.

π™’«‘μ‰∑¬ 72 ¡“§¡ª√–°— The Thai Life Assurance Association

Overview of Life Insurance Business in 2007-2008

3.7 ‘π∑√—æ¬å≈ß∑ÿπ ®“°·ºπ¿Ÿ¡‘ · ¥ß„Àâ‡ÀÁπ«à“„πªï 2550 ∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ ¡’°“√≈ß∑ÿπ„π¥â“πμà“ßÊ ¥—ßπ’È À≈—°∑√—æ¬å√—∞∫“≈·≈–√—∞«‘ “À°‘® ®”π«π 449,934 ≈â“π∫“∑ (2549 : 401,107 ≈â“π∫“∑) À≈—°∑√—æ¬å ‡Õ°™π®”π«π 215,012 (2549 : 171,367 ≈â“π∫“∑) ·≈–À≈—°∑√—æ¬å μà“ßª√–‡∑»®”π«π 33,685 ≈â“π∫“∑ (2549 : 19,045 ∫“∑) ´÷Ëß„π ªï 2550 π’È¡’°“√≈ß∑ÿπ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 16.41 ·≈–§‘¥‡ªìπ —¥ à«π∂÷ß √âÕ¬≈– 94.89 ¢Õß ‘π∑√—æ¬å√«¡∑—ÈßÀ¡¥

3.7 Investment Assets The chart shows that in 2007, life insurance companies in Thailand invested 449,934 million Baht (401,107 million Baht in 2006) in government and state enterprise securities, 215,012 million Baht (171,367 million Baht in 2006) in private securities and 33,685 million Baht in foreign securities (19,045 million Baht in 2006). Investment assets in 2007 grew by 16.41% or 94.89% of total assets.

Investment Asset of Life Insurance Industry Million Baht 500,000 450,000 400,000 350,000 300,000 250,000 200,000 150,000 100,000 50,000 0 2003

2004

Government Security Foreige Security Deposits at Financial Institutions with Interest

2005

2006 Private Security Other Loans & Investments

∑’Ë¡“ : ∂‘μ‘√“¬ß“π∏ÿ√°‘®ª√–°—π™’«‘μªï 2550 ¡“§¡ª√–°—π™’«‘μ‰∑¬ Source : Life Insurance Statistic Report 2007, The Thai Life Assurance Association.

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 73

2007

Overview of Life Insurance Business in 2007-2008

—¥ à«π°“√≈ß∑ÿπ„πÀ≈—°∑√—æ¬å Investment Portfolio

Other Loans & Investments 8.41%

Deposits at Financial Institutions with Interest 1.51%

Foreige Security 4.34%

Private Security 27.72% Government Security 58.01%

∑’Ë¡“ : ∂‘μ‘√“¬ß“π∏ÿ√°‘®ª√–°—π™’«‘μªï 2550 ¡“§¡ª√–°—π™’«‘μ‰∑¬ Source : Life Insurance Statistic Report 2007, The Thai Life Assurance Association.

π™’«‘μ‰∑¬ 74 ¡“§¡ª√–°— The Thai Life Assurance Association

Overview of Life Insurance Business in 2007-2008

Yield Rate Investment Yield Rate 6.60% 6.50% 6.40% 6.30% 6.20% 6.10% 6.00% 5.90% 5.80% 5.70% 5.60%

6.51% 6.22% 6.07% 5.91%

2003

2004

2005

5.90%

2006

2007 Investment Yield rate

∑’Ë¡“ : ∂‘μ‘√“¬ß“π∏ÿ√°‘®ª√–°—π™’«‘μªï 2550 ¡“§¡ª√–°—π™’«‘μ‰∑¬ Source : Life Insurance Statistic Report 2007, The Thai Life Assurance Association. À¡“¬‡Àμÿ : Õ—μ√“º≈μÕ∫·∑π®“°°“√≈ß∑ÿπ‰¥â¡’°“√§”π«≥√«¡ Capital Gain (Loss) ‡¢â“‰ª¥â«¬ Note : Investment yield rate includes capital gain (loss).

”À√—∫Õ—μ√“º≈μÕ∫·∑π®“°°“√≈ß∑ÿπ„πªï 2550 Õ¬Ÿà∑’Ë √–¥—∫√âÕ¬≈– 6.07 (2549 : 5.90%) ‡π◊ËÕß¡“®“°¡’®”π«π‡ß‘π‡∫’È¬ ª√–°—π¿—¬‡æ‘Ë¡ Ÿß¢÷Èπ¡“°°«à“‡¥‘¡ ®÷ß∑”„Àâ‡ß‘πÀ¡ÿπ‡«’¬π„π√–∫∫ ¡’¡“°¢÷Èπ ª√–°Õ∫°—∫¿“§√—∞‰¥â¡’°“√ª√—∫ª√ÿß°Æ√–‡∫’¬∫°“√ ≈ß∑ÿπ∑’Ë‡Õ◊ÈÕÕ”π«¬μàÕ°“√¥”‡π‘πß“π¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ¡“°¢÷Èπ ·≈–ª√—∫¢¬“¬™àÕß∑“ß°“√≈ß∑ÿπ‡æ‘Ë¡®“°‡¥‘¡ ®÷ß∑”„Àâ∏ÿ√°‘® ª√–°—π™’«‘μ¡’Õ—μ√“º≈μÕ∫·∑π∑’Ë¥’

Investment yield rate in 2007 was at 6.07% level against that of 5.90% in the previous year. An increase was due mainly on a rise in insurance premium earning, higher liquidity in the business, supportive government rules and regulations and an increase in investment channels.

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 75

Overview of Life Insurance Business in 2007-2008

4. ∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ªï 2551

4. Thai Life Insurance Business in 2008

4.1 ‡∫’È¬ª√–°—π¿—¬√—∫ªï 2551 ‡∫’ È ¬ ª√–°— π ™’ « ‘ μ μ— È ß ·μà ‡ ¥◊ Õ π¡°√“§¡-∏— π «“§¡ 2551 ¡’ ®”π«π 221,969.1 ≈â“π∫“∑ ¡’Õ—μ√“°“√‡μ‘∫‚μ√âÕ¬≈– 10.1 ‡¡◊ËÕ ‡∑’¬∫°—∫ªï∑’Ë·≈â«„π√–¬–‡«≈“‡¥’¬«°—π (2550 : +16.7%) ‡ªìπ‡∫’È¬ ª√–°—π¿—¬√—∫ªï·√°®”π«π 44,733.1 ≈â“π∫“∑ Õ—μ√“°“√‡μ‘∫‚μ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 2.4 (2550 : +31.8%) ‡∫’È¬ª√–°—π¿—¬μàÕÕ“¬ÿ®”π«π 153,230.3 ≈â“π∫“∑ ¡’Õ—μ√“§«“¡§ßÕ¬Ÿà√âÕ¬≈– 84 (2550 : +85%) §‘¥‡ªìπÕ—μ√“°“√‡μ‘∫‚μ√âÕ¬≈– 9.7 (2550 : +6.9%) ·≈–‡∫’È¬ ª√–°—π¿—¬®à“¬§√—Èß‡¥’¬«®”π«π 24,005.7 ≈â“π∫“∑ Õ—μ√“°“√ ‡μ‘∫‚μ√âÕ¬≈– 31.1 (2550 : +109.3%)

4.1 Premium Income in 2008 Total premium income during Jan-Dec 2008 was 221,969.1 million Baht or an increase of 10.1% compared with that of 16.7% in the previous year. Of this total, 44,733.1 million Baht was first year premium which was an increase of 2.4% against that of 31.8% in the previous year, 153,230.3 million Baht was renewal premium which represented an increase of 84% compared with 85% in 2007, persistency rate was 84% (2007 : + 85%) or an increase of 9.7% (2007 : +6.9%) and 24,005.7 million Baht was single premium which was an increase of 31.1% against that of 109.3% in 2007.

À“°‰¡à√«¡‡∫’È¬ª√–°—π¿—¬√—∫·∫∫®à“¬§√—Èß‡¥’¬« ®–¡’‡∫’È¬ ª√–°—π¿—¬√—∫√«¡√–À«à“ß‡∫’È¬ª√–°—π¿—¬√—∫ªï·√°·≈–ªïμàÕÕ“¬ÿ ®”π«π 197,963.4 ≈â“π∫“∑ ´÷Ëß¡’Õ—μ√“°“√‡μ‘∫‚μ√âÕ¬≈– 8.0

If single premium income is excluded, the total combined premium of first year and renewal was 197,963.4% million Baht or an increase of 8.0%. Àπà«¬ : ≈â“π∫“∑ / Unit : Million Baht

2007

2008

% growth

Premium Income - First Year Premium : FYP

43,703.7

44,733.1

2.4

139,654.5

153,230.3

9.7

18,310.3

24,005.7

31.1

including single premium

201,668.5

221,969.1

10.1

excluding single premium

183,358.2

197,963.4

8.0

- Renewal Premium - Single Premium

∑’Ë¡“ : ∂‘μ‘√“¬ß“π ª™.1-2 ‡¥◊Õπ∏—π«“§¡ 2551 ¡“§¡ª√–°—π™’«‘μ‰∑¬ Source : Life Insurance Statistic Report 2008, The Thai Life Assurance Association.

π™’«‘μ‰∑¬ 76 ¡“§¡ª√–°— The Thai Life Assurance Association

Overview of Life Insurance Business in 2007-2008

4.2 à«π·∫àß°“√μ≈“¥ ®“°·ºπ¿Ÿ¡‘ · ¥ß„Àâ‡ÀÁπ∂÷ß à«π·∫àß°“√μ≈“¥´÷Ëß§‘¥μ“¡ ‡∫’È¬ª√–°—π¿—¬√—∫√«¡¢Õß∫√‘…—∑ª√–°—π™’«‘μ„πª√–‡∑»‰∑¬ μ—Èß·μà ‡¥◊Õπ¡°√“§¡-∏—π«“§¡ 2551 ‚¥¬∫√‘…—∑∑’Ë¡’ à«π·∫àß°“√μ≈“¥ 10 Õ—π¥—∫·√° ‰¥â·°à (1) ∫√‘…—∑ Õ‡¡√‘°—πÕ‘π‡μÕ√å‡π™—Ëπ·π≈·Õ ™—«√—π å ®”°—¥ √âÕ¬≈– 37.52 (2) ∫√‘…—∑ ‰∑¬ª√–°—π™’«‘μ ®”°—¥ √âÕ¬≈– 14.53 (3) ∫√‘…—∑ ‡¡◊Õß‰∑¬ª√–°—π™’«‘μ ®”°—¥ √âÕ¬≈– 7.77 (4) ∫√‘…—∑ ‰∑¬æ“≥‘™¬åπ‘«¬Õ√å§‰≈øáª√–°—π™’«‘μ ®”°—¥ (¡À“™π) √âÕ¬≈– 6.80

4.2 Market Share The chart shows the top 10 market share ranking, based on gross premium income during Jan-Dec 2008 of the following companies. (1) AIA 37.52% (2) Thai Life 14.53% (3) Muangthai Life 7.77% (4) Siam Commercial New York Life 6.80%

à«π·∫àß°“√μ≈“¥‡∫’È¬ª√–°—π¿—¬√—∫√«¡ªï 2551 Total Premium Market Share as of 2008 ING, 2.79% TLA, 2.22%

Others, 6.49%

KTAL, 4.08% OLIC, 4.45%

AACP, 6.56% AIA, 37.52% BLA, 6.79%

SCNYL, 6.80%

MTL, 7.77% TLI, 14.53% ∑’Ë¡“ : ∂‘μ‘√“¬ß“π ª™.1-2 ‡¥◊Õπ∏—π«“§¡ 2551 ¡“§¡ª√–°—π™’«‘μ‰∑¬ Source: PC 1-2 Reports, Dec 2008, TLAA

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 77

Overview of Life Insurance Business in 2007-2008

(5) ∫√‘…∑— °√ÿß‡∑æª√–°—π™’«μ‘ ®”°—¥ (¡À“™π) √âÕ¬≈– 6.79 (6) ∫√‘…∑— Õ¬ÿ∏¬“ Õ≈‘Õ—π´å ´’.æ’. ª√–°—π™’«μ‘ ®”°—¥ (¡À“™π) √âÕ¬≈– 6.56 (7) ∫√‘…—∑ ‰∑¬ ¡ÿ∑√ª√–°—π™’«‘μ ®”°—¥ √âÕ¬≈– 4.45 (8) ∫√‘…—∑ °√ÿß‰∑¬ ·Õ°´à“ ª√–°—π™’«‘μ ®”°—¥ √âÕ¬≈– 4.08 (9) ∫√‘…—∑ ‰Õ‡ÕÁπ®’ª√–°—π™’«‘μ ®”°—¥ √âÕ¬≈– 2.79 (10) ∫√‘…—∑ ∏π™“μª√–°—π™’«‘μ ®”°—¥ √âÕ¬≈– 2.22 4.3 ®”π«π°√¡∏√√¡åª√–°—π™’«‘μ

(5) (6) (7) (8) (9) (10)

Bangkok Life AACP Ocean Life Krungthai AXA Life ING Life Thanachart Life

6.79% 6.56% 4.45% 4.08% 2.79% 2.22%

4.3 Number of New Policies

Number of New Policies January - December, 2008 2007

2008

% growth

Number of Policies - Ordinary

2,113,330

2,307,467

9.19

- Industrial

234,731

275,359

17.31

3,943

3,656

-7.28

1,775,392

1,851,447

4.28

including PA

4,127,396

4,437,929

7.52

excluding PA

2,352,004

2,586,482

9.97

- Group - Personal Accident : PA Number of Policies

∑’Ë¡“ : ∂‘μ‘√“¬ß“π ª™.1-2 ‡¥◊Õπ∏—π«“§¡ 2550-2551 ¡“§¡ª√–°—π™’«‘μ‰∑¬ Source : PC 1-2 Reports, Dec 2008, TLAA

π™’«‘μ‰∑¬ 78 ¡“§¡ª√–°— The Thai Life Assurance Association

Overview of Life Insurance Business in 2007-2008

®”π«π°√¡∏√√¡å ª √–°— π ™’ « ‘ μ ∑’ Ë ‡ ¢â “ ¡“„À¡à μ — È ß ·μà ‡ ¥◊ Õ π ¡°√“§¡-∏—π«“§¡ 2551 ‡¡◊ËÕ√«¡ PA ¡’®”π«π∑—Èß ‘Èπ 4,437,929 °√¡∏√√¡å ¡’Õ—μ√“°“√‡μ‘∫‚μ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 7.52 ‡¡◊ËÕ‡∑’¬∫°—∫ √–¬–‡«≈“‡¥’¬«°—π„πªï 2550 ∂â“À“°‰¡à√«¡°√¡∏√√¡åª√–°—π Õÿ∫—μ‘‡Àμÿ à«π∫ÿ§§≈ ®–¡’®”π«π°√¡∏√√¡å∑—Èß ‘Èπ 2,586,482 °√¡∏√√¡å ¥â«¬Õ—μ√“°“√‡μ‘∫‚μ√âÕ¬≈– 9.97

The total number of new life insurance policies during January to December 2008, including PA was 4,437,929 or an increase of 7.52% compared with that in the same period of 2007. The total number of new life insurance policies during January to December 2008, exclusive of PA was 2,586,482 or an increase of 9.97% compared with that in the same period of 2007.

”À√—∫®”π«π°√¡∏√√¡åª√–°—π™’«‘μ∑’Ë¡’Õ—μ√“°“√‡μ‘∫‚μ≈¥≈ß §◊Õ °√¡∏√√¡åª√–°—π™’«‘μ°≈ÿà¡ ∑’Ë¡’®”π«π°√¡∏√√¡å∑—Èß ‘Èπ 3,656 °√¡∏√√¡å ¡’Õ—μ√“°“√‡μ‘∫‚μ≈¥≈ß√âÕ¬≈– 7.28

Insurance product whose sales has dropped was group life insurance whose total sales was 3,656 or a decrease of 7.28%.

5. °≈¬ÿ∑∏å°“√¥”‡π‘πß“πªï 2550-2551

5. Operational Strategies for 2007-2008

®“°ªí®®—¬≈∫∑“ß¿“«–‡»√…∞°‘®∑’Ë°≈à“«‰«â¢â“ßμâπ ·≈– àßº≈ °√–∑∫μàÕ∏ÿ√°‘®ª√–°—π™’«‘μ„πªï 2550-2551 ∑”„Àâ¿“§∏ÿ√°‘®μâÕß ‡√àß√—¥ª√—∫°≈¬ÿ∑∏å„π°“√¥”‡π‘πß“πÀ≈“¬Õ¬à“ß ‡æ◊ËÕ„Àâ∏ÿ√°‘®¡’ °“√‡μ‘∫‚μÕ¬à“ßμàÕ‡π◊ËÕß °≈¬ÿ∑∏å¥â“πμà“ßÊ ∑’Ë∏ÿ√°‘®ª√–°—π™’«‘μ‰¥â ¡’°“√‡√àßæ—≤π“·≈–ª√—∫ª√ÿß ‰¥â·°à

The above-mentioned negative factors that adversely affected life insurance business during 2007-2008 have prompted life insurance companies to adjust their business operational strategies in order to maintain stable growth. Areas of business whose strategies have been improved to meet changing situation include:

1. ¥â“π°“√∫√‘À“√®—¥°“√ ¡’°“√ª√—∫ª√ÿß√–∫∫°“√∫√‘À“√ °“√®—¥°“√¿“¬„πÕß§å°√„Àâ¡’§«“¡‡À¡“– ¡∑—π ¡—¬¡“°¢÷Èπ ∑”„Àâ‡æ‘Ë¡ª√– ‘∑∏‘¿“æ°“√¥”‡π‘πß“π¢Õß∏ÿ√°‘®¡“°¢÷Èπ √«¡∑—Èß¡’ °“√æ—≤π“§ÿ≥¿“æ∫ÿ§≈“°√¢ÕßÕß§å°√Õ¬à“ßμàÕ‡π◊ËÕß ¡Ë”‡ ¡Õ

1. Management: Life companies have modernized their internal management system in order to improve operational and personnel efficiency.

2. ¥â“πº≈‘μ¿—≥±å ¡’°“√ª√—∫ª√ÿß·≈–æ—≤π“º≈‘μ¿—≥±å„À¡à ∑’ËÀ≈“°À≈“¬‡À¡“– ¡°—∫§«“¡μâÕß°“√¢Õßª√–™“™π∑ÿ°√–¥—∫ Õ¬à“ß°«â“ß¢«“ß

2. Products: Existing products have been improved and a wide variety of new products have been developed to meet the needs of people at all economic levels.

3. ¥â“πμ—«·∑πª√–°—π™’«‘μ ¡’°“√æ—≤π“«‘∏’°“√®—¥ Õ∫μ—«·∑π ª√–°—π™’«‘μ„Àâ¡’§«“¡∑—π ¡—¬¡“°¢÷Èπ “¡“√∂„Àâ∫√‘°“√ Õ∫·°àºâŸ ∑’Ë ¡—§√ Õ∫‰¥âÕ¬à“ß√«¥‡√Á«·≈–∑—Ë«∂÷ß§≈Õ∫§≈ÿ¡∑ÿ°æ◊Èπ∑’Ë¢Õß ª√–‡∑»‰∑¬ ¥â«¬°“√æ—≤π“√–∫∫°“√ Õ∫μ—«·∑πª√–°—π™’«‘μ„Àâ ‡ªìπ√–∫∫§Õ¡æ‘«‡μÕ√å‰ª¬—ß¿Ÿ¡‘¿“§μ“¡®—ßÀ«—¥μà“ßÊ √«¡∑—Èß°“√ æ—≤π“§≈—ß¢âÕ Õ∫„Àâ¡’§«“¡∑—π ¡—¬‡À¡“– ¡¡“°¢÷Èπ

3. Agency: More efficient and computerized agency license examination are now available for those who want to join this profession both in Bangkok and many other provinces throughout the country. Exam question database has been also updated on regularly.

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 79

Overview of Life Insurance Business in 2007-2008

∂‘μ‘μ—«·∑πª√–°—π™’«‘μ √–À«à“ßªï 2541-2550 Life Insurance Agents During the Year 1998-2007 ªï Year

μ—«·∑π∑’Ë ‰¥â√—∫„∫Õπÿ≠“μ∑—Èß ‘Èπ Total Number of License at The End of Year

% + (-)

2541 / 1998

184,437

21.42

2542 / 1999

217,548

17.95

2543 / 2000

279,896

28.66

2544 / 2001

329,079

17.57

2545 / 2002

366,022

11.23

2546 / 2003

438,237

19.73

2547 / 2004

229,160

(47.71)

2548 / 2005

266,763

16.41

2549 / 2006

293,192

9.91

2550 / 2007

385,032

31.32

∑’Ë¡“ : ”π—°ß“π§≥–°√√¡°“√°”°—∫·≈– àß‡ √‘¡°“√ª√–°Õ∫∏ÿ√°‘®ª√–°—π¿—¬ Source: The Office of Insurance Commission (OIC)

π™’«‘μ‰∑¬ 80 ¡“§¡ª√–°— The Thai Life Assurance Association

Overview of Life Insurance Business in 2007-2008

Õ—μ√“°“√‡μ‘∫‚μ¢Õßμ—«·∑πª√–°—π™’«‘μ Growth of Agency 40.00% 30.00% 20.00% 10.00% 0.00% 1998

1999

2000

2001

2002

2003

2004

2005

2006

2007

-10.00% -20.00% -30.00% -40.00% -50.00% -60.00% ®“°·ºπ¿Ÿ¡¢‘ “â ßμâπ μ—«·∑πª√–°—π™’«‘μ¡’Õμ— √“°“√‡μ‘∫‚μ∑ÿ°ªï ¬°‡«âπ„πªï 2547 °√¡°“√ª√–°—π¿—¬„π¢≥–π—Èπ À√◊Õ ”π—°ß“π §≥–°√√¡°“√°”°—∫·≈– àß‡ √‘¡°“√ª√–°Õ∫∏ÿ√°‘®ª√–°—π¿—¬ (§ª¿.) ‰¥â¡’°“√ª√—∫ª√ÿß∞“π¢âÕ¡Ÿ≈¢Õß®”π«πμ—«·∑πª√–°—π™’«‘μ „À¡à ®÷ß∑”„Àâ¡’Õ—μ√“°“√‡μ‘∫‚μ≈¥μË”≈ß 1. ¥â “ π°“√μ≈“¥ ¡’ ° “√æ— ≤ π“°≈¬ÿ ∑ ∏å ∑ “ß°“√μ≈“¥„π À≈“¬«‘∏’ ´÷Ëß¡’°“√·¢àß¢—π∑“ß¥â“π°“√μ≈“¥Õ¬à“ß√ÿπ·√ß ‰¡à«à“®– ‡ªìπ∑“ß¥â“π°“√∑”ª√–™“ —¡æ—π∏å„πÀ≈“¬Ê ™àÕß∑“ß ∑’Ë “¡“√∂ ‡¢â“∂÷ßºŸâ∫√‘‚¿§∑ÿ°√–¥—∫

The above chart shows that the number of life insurance agents has increased every year, except 2004 when the then Department of Insurance (Now OIC) was improving agency exam question database. 1. Marketing: Many new marketing strategies have been developed in order to maintain competitiveness in this highly competitive market, including public relations strategy, geared to reach consumers at all levels.

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 81

Overview of Life Insurance Business in 2007-2008

2. ¥â“π™àÕß∑“ß°“√®”Àπà“¬ ¡’°“√æ—≤π“·≈–‡æ‘Ë¡™àÕß∑“ß °“√®”Àπà“¬„Àâ¡’¡“°¢÷Èπ πÕ°‡Àπ◊Õ®“°°“√¢“¬ºà“πμ—«·∑π ‰¥â·°à °“√¢“¬ºà“π∏π“§“√ °“√¢“¬ºà“π∑“ß‚∑√»—æ∑å °“√¢“¬ ºà“πÕß§å°√ °“√¢“¬ºà“π‰ª√…≥’¬å ‡ªìπμâπ

2. Channels of Distribution: Existing distribution channels have been further developed while new ones have been established in the market in addition to the traditional agency channel. These new channels include Bancassurance, telemarketing, organization and post office, etc.

First Year Premium and Renewal Premium (Ordinary Life) by Distribution Channel : January-December 2008 Tele Marketing, 5.46%

Work Site, 1.99% Agent Broker Bancassurance Post Office Direct Mail Tele Marketing Work Site Others

Bancassurance, 30.10%

∑’Ë¡“ : ∂‘μ‘√“¬ß“π‡∫’È¬ª√–°—π¿—¬√—∫ªï·√°·¬°μ“¡™àÕß∑“ß°“√®”Àπà“¬ ª√–‡¿∑ “¡—≠ ªï 2551 ¡“§¡ª√–°—π™’«‘μ‰∑¬ Source: Statistical Report of First Year Premium, Classified by Channel of Distributions, Ordinary, 2008, TLAA

π™’«‘μ‰∑¬ 82 ¡“§¡ª√–°— The Thai Life Assurance Association

Overview of Life Insurance Business in 2007-2008

®“°·ºπ¿Ÿ¡‘¢â“ßμâπ · ¥ß„Àâ‡ÀÁπ∂÷ß à«π·∫àß¢Õß‡∫’È¬ª√–°—π ¿—¬√—∫ªï·√° ª√–‡¿∑ “¡—≠ ∑’Ë®”Àπà“¬ºà“π™àÕß∑“ßμà“ßÊ μ—Èß·μà ‡¥◊ Õ π¡°√“§¡-∏— π «“§¡ 2551 ´÷ Ë ß ¡’ ™ à Õ ß∑“ß°“√®”Àπà “ ¬∑’ Ë ¡ ’ —¥ à«π¢Õß‡∫’È¬ª√–°—π¿—¬√—∫¡“°∑’Ë ÿ¥ 3 Õ—π¥—∫·√° ‰¥â·°à (1) ¢“¬ºà“πμ—«·∑π √âÕ¬≈– 62.13 (2) ¢“¬ºà“π∏π“§“√ √âÕ¬≈– 30.10 (3) ¢“¬ºà“π‚∑√»—æ∑å √âÕ¬≈– 5.46

The chart above shows that the top 3 ranking of market share, based on first year premium of ordinary product, sold through different channels of distribution during January to December 2008 are: (1) Agency 62.13% (2) Bancassurance 30.10% (3) Tele-Marketing 5.46%

6. °“√‡ª≈’Ë¬π·ª≈ß·≈–°“√ àß‡ √‘¡®“°¿“§√—∞ ªï 2550-2551

6. Changes and Supports from Government Agencies in 2007-2008

∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬„πªï 2549-2550 ¡’°“√‡ª≈’Ë¬π·ª≈ß∑’Ë ”§—≠ §◊Õ ¿“§√—∞‰¥âæ‘®“√≥“ª√—∫ª√ÿßæ√–√“™∫—≠≠—μ‘ª√–°—π ™’«‘μ æ.». 2535 ¡“‡ªìπæ√–√“™∫—≠≠—μ‘ª√–°—π™’«‘μ æ.». 2535 ·°â‰¢‡æ‘Ë¡‡μ‘¡‚¥¬ æ√–√“™∫—≠≠—μ‘ª√–°—π™’«‘μ (©∫—∫∑’Ë 2) æ.». 2550 àßº≈„Àâ‡°‘¥°“√‡ª≈’Ë¬π·ª≈ß¢Õß°Æ√–‡∫’¬∫∑’Ë„™â∫—ß§—∫ ”À√—∫∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬À≈“¬ª√–°“√ Õ“∑‘‡™àπ (1) °“√®—¥ ∑”¡“μ√∞“π¢—ÈπμË”°“√∫√‘À“√§«“¡‡ ’Ë¬ß¿—¬¢Õß∏ÿ√°‘®ª√–°—π¿—¬ (2) °“√®—¥∑”§Ÿà¡◊Õ°“√∫√‘À“√§«“¡‡ ’Ë¬ß¥â“πªØ‘∫—μ‘°“√¢Õß∏ÿ√°‘® ª√–°—π¿—¬ (3) ·π«∑“ß°“√μ√«® Õ∫∞“π–°“√¥”‡π‘πß“π ∫√‘…—∑ª√–°—π™’«‘μ (4) °“√»÷°…“°“√¥”√ß‡ß‘π°Õß∑ÿπμ“¡√–¥—∫ §«“¡‡ ’Ë¬ß (Risk-Based Capital)

Major changes in Thai life insurance business in 2006-2007 included the promulgation of Life Insurance Act (No. 2), B.E. 2550 which was an amendment to the Life Insurance Act, B.E. 2535. As a result, many new rules and regulations have been implemented or developed. They include: (1) minimum requirement for solvency of life insurance companies (2) Operational Risk Management Guidance (3) Guidelines for Auditing Operational Condition and (4) Risk - Based Capital.

πÕ°®“°π’È ¿“§√—∞¬—ß‰¥â¡’°“√æ‘®“√≥“‡æ‘Ë¡§à“≈¥À¬àÕπ¿“…’ ‡ß‘π‰¥â∫ÿ§§≈∏√√¡¥“¢Õß‡∫’È¬ª√–°—π™’«‘μ®“° 50,000 ∫“∑ ‡ªìπ 100,000 ∫“∑ àßº≈„Àâ∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬‰¥â√—∫§«“¡ π„®®“° ª√–™“™π∑—Ë«‰ª‰¥â‡ªìπÕ¬à“ß¥’ ·≈–‡ªìπªí®®—¬À≈—°ª√–°“√Àπ÷Ëß∑’Ë ∑”„Àâ∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬¡’Õ—μ√“°“√‡μ‘∫‚μÕ¬Ÿà„π‡°≥±å¥’

Major positive change was an increase in the maximum amount of tax deductible for premium from 50,000 Baht to 100,000 Baht. An increase attracted the people to be interested in life insurance products and thus affected stable growth of business.

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 83

Overview of Life Insurance Business in 2007-2008

¢âÕ¡Ÿ≈∏ÿ√°‘®ª√–°—π™’«‘μ‰∑¬ Key Indicators of Thai Life Insurance Industry ªï (æ.».) Year (A.D.)

2547 2004

2548 2005

2549 2006

2550 2007

2551 2008 Proj.

2552 2009 Proj.

10.4

11.2

12.1

13.1

14.3

15.2

7.5

8.2

7.6

8.3

9.0

6.5

2,673.2

3,098.5

3,688.3

4,051.5

4,497.2

4,767.0

% ¢¬“¬μ—« (%Change)

13.4

15.9

19.0

9.8

11.0

6.0

‡∫’È¬ª√–°—π¿—¬√—∫ (æ—π≈â“π∫“∑) Premium Income (Billion Baht)

151.1

166.8

173.5

201.9

222.0

240.9

% ¢¬“¬μ—« (%Change)

16.3

10.4

4.0

16.4

9.9

8.5

‡ß‘π ”√Õßª√–°—π¿—¬ª√–‡¡‘π (æ—π≈â“π∫“∑) Life Policy Reserves (Billion Baht)

415.0

490.1

559.1

646.3

743.3

817.6

% ¢¬“¬μ—« (%Change)

21.0

18.1

14.1

15.6

15.0

10.0

71.8

82.2

90.5

110.0

132.1

145.3

1.4

14.5

10.1

21.6

20.0

10.0

‘π∑√—æ¬å≈ß∑ÿπª√–‡¡‘π (æ—π≈â“π∫“∑) Investment Assets (Billion Baht)

491.4

583.8

666.2

775.6

899.7

989.6

% ¢¬“¬μ—« (%Change)

17.6

18.8

14.1

16.4

16.0

10.0

‘π∑√—æ¬åª√–‡¡‘π (æ—π≈â“π∫“∑) Assets (Billion Baht)

540.4

620.4

703.6

817.3

948.1

1,042.9

% ¢¬“¬μ—« (%Change)

20.0

14.8

13.4

16.2

16.0

10.0

¢âÕ¡Ÿ≈∏ÿ√°‘®ª√–°—π™’«‘μ„πª√–‡∑»‰∑¬ (Thai Life Insurance Industry) ®”π«π°√¡∏√√¡åª√–°—π¿—¬ (≈â“π°√¡∏√√¡å) No. of Policies (Mill.) % ¢¬“¬μ—« (%Change) ®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ (æ—π≈â“π∫“∑) Sum Insured (Billion Baht)

‡ß‘π°Õß∑ÿπª√–‡¡‘π (æ—π≈â“π∫“∑) Capital Funds (Billion Baht) % ¢¬“¬μ—« (%Change)

π™’«‘μ‰∑¬ 84 ¡“§¡ª√–°— The Thai Life Assurance Association

Overview of Life Insurance Business in 2007-2008

ªï (æ.».) Year (A.D.)

2547 2004

2548 2005

2549 2006

2550 2007

2551 2008 Proj.

2552 2009 Proj.

¢âÕ¡Ÿ≈∑“ß‡»√…∞°‘® (Economic Indicator) ª√–™“°√ (≈â“π§π) Population (Million)

62.0

62.4

62.8

63.0

63.4

64.0

% ¢¬“¬μ—« (%Change)

(1.8)

0.7

0.3

0.01

1.0

º≈‘μ¿—≥±å¡«≈√«¡¿“¬„πª√–‡∑» ≥ √“§“§ß∑’Ë ªï 3,688.10 2531 (GDP) (æ—π≈â“π∫“∑) GDP at constant 1988 price (Billion Baht)

3,858.00

4,059.60

4,259.60

4,369.40

4,251.43

% ¢¬“¬μ—« (%Change)

4.6

5.2

4.9

2.6

(2.7)

º≈‘ μ ¿— ≥ ±å ¡ «≈√«¡¿“¬„πª√–‡∑» ≥ √“§“ 6,489.4 ªí®®ÿ∫—π (GDP) (æ—π≈â“π∫“∑) GDP at current price (Billion Baht)

7,092.8

7,841.3

8,493.3

9,102.7

8,856.9

% ¢¬“¬μ—« (%Change)

9.7

9.3

10.6

8.3

7.2

(2.7)

®”π«π°√¡∏√√¡åª√–°—π¿—¬ : ª√–™“°√ (%) No. of Policies : Population (%)

16.78

18.00

19.23

22.51

23.74

®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ : ª√–™“°√ (∫“∑) Sum Insured : Population (Baht)

43,138

49,655

6.3

% «‘‡§√“–Àå

58,704

20.77 64,269

70,945

74,457

‡∫’ È ¬ ª√–°— π ¿— ¬ : º≈‘ μ ¿— ≥ ±å ¡ «≈√«¡¿“¬„π 4.10 ª√–‡∑» (GDP)(%) Premium Income : GDP at constant price (%)

4.32

4.27

4.74

5.08

5.67

‡∫’ È ¬ ª√–°— π ¿— ¬ :º≈‘ μ ¿— ≥ ±å ¡ «≈√«¡¿“¬„π ª√–‡∑» (GDP)(%) Premium Income : GDP at current price (%)

2.35

2.21

2.38

2.44

2.72

2.28

Update 17.4.09 ∑’Ë¡“ : 1. ¢âÕ¡Ÿ≈‡»√…∞°‘®®“° ¿“æ—≤πåœ, ∏π“§“√·Ààßª√–‡∑»‰∑¬ ‡¡◊ËÕ 31.3.2009 2. ®”π«πª√–™“°√®“°°√¡°“√ª°§√Õß 3. ¢âÕ¡Ÿ≈ ∂‘μ∏‘ √ÿ °‘®ª√–°—π™’«μ‘ ®“° ¡“§¡ª√–°—π™’«μ‘ ‰∑¬

Source: 1. Economic statistics of the Office of National Economic and Social Development Board, the Bank of Thailand as of 31.3.2009 2. Number of population, the Dept of Local Administration 3. TLAA Annual Business Statistical Report

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 85

Overview of Life Insurance Business in 2007-2008

À¡“¬‡Àμÿ : 1. ‡∫’È¬ª√–°—π¿—¬√—∫‚¥¬μ√ß ®“°√“¬ß“π ∂‘μ‘∏ÿ√°‘® ª√–°—π™’«‘μª√–®”ªï ¢Õß ¡“§¡ª√–°—π™’«‘μ‰∑¬ 2. ®”π«π°√¡∏√√¡åª√–°—π¿—¬ ·≈–®”π«π‡ß‘π‡Õ“ ª√–°—π¿—¬ ‡ªìπ¢Õß®”π«π°√¡∏√√¡å∑’Ë¡’º≈∫—ß§—∫ ∑—ÈßÀ¡¥ 3. ®”π«π‡∫’ È ¬ ª√–°— π ¿— ¬ √— ∫ ®”π«π°√¡∏√√¡å ª√–°—π¿—¬ ·≈–®”π«π‡ß‘π‡Õ“ª√–°—π¿—¬ ªï 2551 ®“°√“¬ß“π ª™.1-2 4. ª√–¡“≥°“√º≈‘μ¿—≥±å¡«≈√«¡¿“¬„πª√–‡∑» ≥ √“§“§ß∑’Ë ·≈–√“§“ªí®®ÿ∫—π ªï 2552 5. ª√–¡“≥°“√ª√–™“°√ªï 2552

Note : 1. Direct premium income from TLAA Annual Business Statistical Report. 2. Total number of policies and amount of premium income of policies in force. 3. Amount of premium income, number of policies and total amount of sum-insured in 2008, Por Chor 1-2 Reports. 4. Estimated GDP based on constant and current price of 2009. 5. Estimated number of population 2009 6. Estimated premium income in 2009 based on GDP

π™’«‘μ‰∑¬ 86 ¡“§¡ª√–°— 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—ÈßÕß§å°√°≈“ß ”À√—∫ ∏ÿ√°‘®ª√–°—π™’«‘μ¢÷Èπ ·≈–‰¥â®—¥μ—Èß§≥–∑”ß“π ∑’Ë¡“®“°∫√‘…—∑ ª√–°—π™’«‘μ ®”π«π 10 §π ®“° 10 ∫√‘…—∑¢÷Èπ ‡æ◊ËÕ¥”‡π‘π°“√ ¥—ß°≈à“« μà Õ ¡“„πªï 2496 §≥–∑”ß“π¥— ß °≈à “ « ‰¥â ¬ ◊ Ë π Àπ— ß ◊ Õ μà Õ °√¡μ”√«®‡æ◊ËÕ®—¥μ—Èß ¡“§¡ª√–°—π™’«‘μ ·Ààßª√–‡∑»‰∑¬ ‚¥¬ ¡’«—μ∂ÿª√– ß§å §◊Õ 1. àß‡ √‘¡°“√√—∫ª√–°—π™’«‘μ„Àâ‡®√‘≠√ÿàß‡√◊Õß¬‘Ëß Ê ¢÷Èπ‰ª 2. ª≈Ÿ°Ωíß§«“¡ “¡—§§’√–À«à“ß∫√‘…—∑ª√–°—π™’«‘μ 3. ™à«¬‡À≈◊Õ√—∞∫“≈„π°“√§«∫§ÿ¡∫√‘…—∑ª√–°—π™’«‘μÕ¬à“ß „°≈â™‘¥ 4. ª√– “πß“π„Àâ Õ¥§≈âÕßμâÕß°—π°—∫π‚¬∫“¬√—∞∫“≈ Õ∏‘∫¥’°√¡μ”√«®‰¥â≈ßπ“¡Õπÿ¡—μ‘„πÀ≈—°°“√ ‡¡◊ËÕ«—π∑’Ë 16 ¡‘∂ÿπ“¬π 2496 ·≈–§≥–∑”ß“π‰¥â¬◊Ëπ§”√âÕß¢Õ®¥∑–‡∫’¬π ‡ªìπ ¡“§¡œ μàÕ ¿“«—≤π∏√√¡·Ààß™“μ‘ ‡¡◊ËÕ«—π∑’Ë 23 ¡‘∂ÿπ“¬π 2496 „π∑’Ë ÿ¥ ¡“§¡ª√–°—π™’«‘μ·Ààßª√–‡∑»‰∑¬ ‰¥â√—∫Õπÿ¡—μ‘„Àâ®—¥μ—Èß Õ¬à“ß‡ªìπ∑“ß°“√ ‡¡◊ËÕ«—π∑’Ë 5 °√°Æ“§¡ 2499 μàÕ¡“„πªï 2510 ‰¥â¡’°“√μ√“æ√–√“™∫—≠≠—μ‘ª√–°—π™’«‘μ ª√–°“»„™â‡æ◊ËÕ§«∫§ÿ¡°“√¥”‡π‘πß“π¢Õß∏ÿ√°‘®ª√–°—π™’«‘μ „Àâ¡’ ª√– ‘∑∏‘¿“æ ·≈–„π«—π∑’Ë 9 æƒ»®‘°“¬π 2510 ¡“§¡ª√–°—π ™’«‘μ·Ààßª√–‡∑»‰∑¬‰¥â‡ª≈’Ë¬π™◊ËÕ‡ªìπ ¡“§¡ª√–°—π™’«‘μ‰∑¬ ‡æ◊ËÕ„Àâ Õ¥§≈âÕß°—∫¢âÕ∫—ß§—∫¢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 ∫√‘…—∑ øîπ—π´à“ª√–°—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. ∫√‘…—∑ ‡¡◊Õß‰∑¬ª√–°—π™’«‘μ ®”°—¥ 6. ∫√‘…—∑ ‰∑¬ ¡ÿ∑√æ“≥‘™¬åª√–°—π¿—¬ ®”°—¥ (ªí®®ÿ∫—π§◊Õ ∫√‘…—∑ ‰∑¬ ¡ÿ∑√ª√–°—π™’«‘μ ®”°—¥)

In 1952, a Working Committee that comprised 10 representatives of 10 life insurance companies was formed in order to plan for the establishment of a central body for the life insurance business in Thailand. In the following year, the Working Committee has officially filed an application with the Police Department to establish the Life Insurance Association of Thailand to fulfill the following objectives. 1. To promote the continuing progress of life insurance business 2. To foster harmonious relationship between life insurance companies. 3. To render assistance and cooperation to the governmentûs regulating effort. 4. To coordinate among member companies for compliance with government policies. On June 16, 1953, the Director-General of the Police Department approved in principle the application to establish the Life Insurance Association of Thailand and on June 23, 1053, the Working Group further filed an application to establish an association with the National Cultural Council. The establishment of Life Insurance Association of Thailand was officially approved on July 5, 1956. Then in 1967, the Life Insurance Act was promulgated to regulate the operation of life insurance business. On November 9, 1967, the name of the association was changed from the Life Insurance Association of Thailand to the current name of the Thai Life Assurance Association to be in line with the regulation in the Life Insurance Act. At that time, TLAA has 8 following companies as members. 1. The Thai Life Co., Ltd. 2. The Thaiprasit Insurance Co., Ltd. (Now is Finansa Life Assurance Co., Ltd.) 3. The Southeast Insurance Co., Ltd. (Now is the Southeast Life Insurance Co., Ltd.) 4. Sri Ayudhaya Life Insurance Co., Ltd. (Now is Ayudhaya Allianz C.P. Life Public Company Limited) 5. Muangthai Life Insurance Co., Ltd. 6. The Ocean Commercial Insurance Co., Ltd. (Now is Ocean Life Co., Ltd.) 87

7. ∫√‘…—∑ ¬“¡∫√‘°“√ª√–°—π™’«‘μ ®”°—¥ (ªí®®ÿ∫—π§◊Õ ∫√‘…—∑ ·¡πŸ‰≈øá ª√–°—π™’«‘μ (ª√–‡∑»‰∑¬) ®”°—¥ (¡À“™π)) 8. ∫√‘…—∑ °√ÿß ¬“¡ª√–°—π™’«‘μ ®”°—¥ (ªí®®ÿ∫—π§◊Õ ∫√‘…—∑ °√ÿß‡∑æª√–°—π™’«‘μ ®”°—¥ (¡À“™π)) ‡¡◊ËÕ æ.». 2544 ¡“§¡œ ‰¥—√—∫Õπÿ¡—μ‘·°â‰¢¢âÕ∫—ß§—∫ ¡“§¡ ª√–°—π™’«‘μ‰∑¬„À¡à μ“¡Àπ—ß ◊Õ∑’Ë æ≥. 0410/6907 ≈ß«—π∑’Ë 17 °—π¬“¬π æ.». 2544 ¥—ßπ’È 1. ‡ªìπ»Ÿπ¬å√«¡¢ÕßºŸâª√–°Õ∫∏ÿ√°‘®ª√–°—π™’«‘μ ·≈–ºŸâ∑’Ë ‡°’¬Ë «¢âÕß ‡æ◊ÕË √à«¡¡◊Õ°—π„π°“√∑’®Ë – àß‡ √‘¡æ—≤π“∏ÿ√°‘®°“√ª√–°—π ™’«‘μ „Àâ‡®√‘≠°â“«Àπâ“Õ¬à“ß¡—Ëπ§ß·≈–μàÕ‡π◊ËÕß „Àâ‡ªìπ∑’Ë‡™◊ËÕ∂◊Õ »√—∑∏“¢Õßª√–™“™π ¡’ª√– ‘∑∏‘¿“æ·≈–¢’¥§«“¡ “¡“√∂„π°“√ ·¢àß¢—π„πμ≈“¥‚≈°‰¥â 2. ‡ªìπμ—«·∑π„π°“√ª°ªÑÕß√—°…“º≈ª√–‚¬™πå¢ÕßºŸâ‡Õ“ ª√–°—π¿—¬ ·≈–¢Õß∫√‘…—∑ª√–°—π™’«‘μ À√◊ÕºŸâª√–°Õ∫∏ÿ√°‘®∑’Ë ‡°’Ë¬«¢âÕß°—∫°“√ª√–°—π™’«‘μ μ‘¥μ“¡·≈–º≈—°¥—πæ—≤π“°“√μà“ßÊ „π∑“ß¥â“π°ÆÀ¡“¬ ∑’ËÕ“®®–¡’º≈°√–∑∫μàÕº≈ª√–‚¬™πå¢Õß ºŸâ‡Õ“ª√–°—π¿—¬ ·≈–¢Õß∫√‘…—∑ ¡“™‘° ª√– “πß“π·≈–„Àâ§«“¡ √à«¡¡◊Õ°—∫√—∞∫“≈ μ≈Õ¥®π‡ πÕ§«“¡§‘¥‡ÀÁπ·≈–¢âÕ‡ πÕ·π– μàÕ¿“§√“™°“√ ·≈–Õß§å°√∑’Ë‡°’Ë¬«¢âÕß ‡æ◊ËÕæ—≤π“°‘®°“√ª√–°—π ™’«‘μ„Àâ‡®√‘≠°â“«Àπâ“ 3. π— ∫ πÿ π ·≈– à ß ‡ √‘ ¡ „Àâ ¿ “§∏ÿ √ °‘ ® ª√–°— π ™’ « ‘ μ ¡’ ° “√ §«∫§ÿ¡¥Ÿ·≈°—π‡Õß (Self Regulation) „Àâ¡“°¬‘Ëß¢÷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·≈„Àâ‡ªìπ‰ªμ“¡®√√¬“∫√√≥¥—ß°≈à“« ‡æ◊ËÕ „Àâ∏ÿ√°‘®ª√–°—π™’«‘μ¥”‡π‘π‰ªÕ¬à“ß¡’√–‡∫’¬∫·∫∫·ºπ ·≈–Õ¬Ÿà„π §«“¡‡™◊ËÕ∂◊Õ¢Õßª√–™“™π 4. àß‡ √‘¡§«“¡°â“«Àπâ“∑“ß«‘™“°“√∑’‡Ë °’¬Ë «¢âÕß°—∫°“√ª√–°—π ™’«‘μ √«¡∑—Èß àß‡ √‘¡°“√§âπ§«â“ «‘®—¬ æ—≤π“ μ”√“∑’Ë‡°’Ë¬«°—∫°“√ ‡√’¬π°“√ Õπ«‘™“°“√ª√–°—π™’«‘μ ‡æ◊ËÕæ—≤π“∏ÿ√°‘®ª√–°—π™’«‘μ„π ª√–‡∑»‰∑¬„Àâ‡®√‘≠°â“«Àπâ“∑—¥‡∑’¬¡Õ“√¬ª√–‡∑» 5. ª√–™“ —¡æ—π∏å„Àâª√–™“™π∑—Ë«‰ªμ√–Àπ—° ‡¢â“„® ·≈– ‡ÀÁπ§ÿ≥ª√–‚¬™πå¢Õß°“√ª√–°—π™’«‘μ¡“°¬‘Ëß¢÷Èπ 6. ª√– “π§«“¡√à«¡¡◊Õ °“√·≈°‡ª≈’Ë¬π¢âÕ¡Ÿ≈ ∂‘μ‘·≈–¢à“« “√μà“ßÊ °—∫ ¡“§¡ ∂“∫—π ·≈–Õß§å°√Õ◊ËπÊ ∑’Ë‡°’Ë¬«¢âÕß°—∫ ∏ÿ√°‘®ª√–°—π™’«‘μ∑—Èß„π ·≈–μà“ßª√–‡∑» 7. àß‡ √‘¡§«“¡ “¡—§§’ §«“¡√à«¡¡◊Õ ·≈–°“√·≈°‡ª≈’Ë¬π §«“¡§‘¥‡ÀÁπ√–À«à“ß ¡“™‘° ªí®®ÿ∫—ππ’È ¡“§¡œ ¡’ ¡“™‘° 25 ∫√‘…—∑ (√«¡ ∫√‘…—∑ ‰∑¬√’ ª√–°—π™’«‘μ ®”°—¥) 88

7. Siam Life Insurance Service Co., Ltd. (Now is Manulife Insurance (Thailand) Public Company Limited. 8. Krung Siam Life Insurance Co., Ltd. (Now is Bangkok Life Assurance Public Co., Ltd.) In 2001, TLAA was approved by a letter No. Por Nor 0410/ 6907, dated September 17, 2001 to change its rules and regulations as followed. 1. To be a central body for life insurance business operators and related parties to jointly promote the continuing and stable progress, credibility, efficiency and global competitiveness of Thai life insurance business. 2. To protect the interest of the insured, life insurance companies or operators of life insurance-related businesses. To monitor and promote development of laws that affect the interest of the insured and member companies. To coordinate and to provide support to government agencies as well as to provide views and recommendations to government and related agencies on further development of life insurance business. 3. To promote and to support life insurance companies to practice self-regulation, to improve business operation within the legal framework and life insurance business principles as well as to establish ethical standard and compliance and to ensure that the business is operated in good order and with public trust. 4. To promote progress in technical areas of life insurance business as well as research and development efforts that would contribute to development of business operation to international standard. 5. To create public awareness on the benefits and importance of life insurance. 6. To coordinate and to exchange statistics and other information with domestic and foreign associations, institutions and other related agencies. 7. To promote harmonious relationship, cooperation and an exchange of views among member companies. Now, TLAA has 25 member companies, including the ThaiRe Insurance Public Co., Ltd.)

Members of The Thai Life Assurance Association π“¬™“≠ «√√∏π–°ÿ≈

Mr. Chan Vathanakul °√√¡°“√ºŸâ®—¥°“√„À≠à President

∫√‘…—∑ °√ÿß‡∑æª√–°—π™’«‘μ ®”°—¥ (¡À“™π) 23/115-121 √Õ¬—≈´‘μ’ÈÕ‡«π‘« ∂.æ√–√“¡ 9 ‡¢μÀâ«¬¢«“ß °√ÿß‡∑æœ 10310 ‚∑√. 0-2777-8888 ·ø°´å 0-2777-8899

Bangkok Life Assurance Public Co.,Ltd.

23/115-121 Royal City Avenue, Rama 9 Rd. Huaykwang, Bangkok 10310 Tel. 0-2777-8888 Fax. 0-2777-8899 www.bla.co.th

π“¬‰¡‡§‘≈ ®Õ√å® ·æ≈ä°´åμ—π ∫√‘…—∑ °√ÿß‰∑¬-·Õ°´à“ ª√–°—π™’«‘μ ®”°—¥ Mr. Michael George Plaxton 2034/136,138-143 Õ“§“√Õ‘μ—≈‰∑¬ ∑“«‡«Õ√å ™—Èπ 27, 32-33 ∂ππ‡æ™√∫ÿ√’μ—¥„À¡à ª√–∏“π°√√¡°“√∫√‘À“√ Chief Executive Officer

·¢«ß∫“ß°–ªî ‡¢μÀâ«¬¢«“ß °√ÿß‡∑æœ 10310 ‚∑√. 0-2723-4000 ·ø°´å 0-2723-4032

Krungthai - AXA Life Assurance Co.,Ltd. 2034/136,138-143 Italthai Tower 27, 32-33 Floor New Petchburi Rd., Bangkrapi Huaykwang, Bangkok 10310 Tel. 0-2723-4000 Fax 0-2723-4032 www.krungthai-axa.co.th

π“¬§’∏ ·Õπ¥√Ÿ«å ∫√Ÿ§ å Mr. Keith Brooks ª√–∏“π‡®â“Àπâ“∑’Ë∫√‘À“√ Country Manager / Chief Executive Officer

∫√‘…—∑ ‡®π‡πÕ√“≈’Ë ª√–°—π™’«‘μ (‰∑¬·≈π¥å) ®”°—¥ ™—Èπ 16 ¬Ÿπ‘μ 1602-1605 Õ“§“√ ´’Õ“√å´’ ∑“«‡«Õ√å ÕÕ≈´’™—Ëπ ‡æ≈ 87/2 ∂ππ«‘∑¬ÿ ·¢«ß≈ÿ¡æ‘π’ ‡¢μª∑ÿ¡«—π °√ÿß‡∑æœ 10330 ‚∑√. 0-2685-3828 ·ø°´å 0-2685-3829

Generali Life Assurance (Thailand) Co.,Ltd.

16th Floor, Unit 1602-1605, CRC Tower, All Season Place, 87/2 Wireless Road, Lumpini Patumwan Bangkok 10330 Tel. 0-2685-3828 Fax 0-2685-3829 www.generalithailand.com

∫√‘…—∑ ‰∑¬§“√å¥‘ø ª√–°—π™’«‘μ ®”°—¥ π“¬«‘»‘…Æå μ—ß§π—ßπÿ°Ÿ≈ Mr. Visidh Tangkanangnukul 36/11,36/59-62 Õ“§“√æ’‡Õ ∑“«‡«Õ√å ™—Èπ G ·≈– ™—Èπ 18 ∂. ÿ¢ÿ¡«‘∑ 21 ºŸâ®—¥°“√∑—Ë«‰ª General Manager

·¢«ß§≈Õß‡μ¬‡Àπ◊Õ ‡¢μ«—≤π“ °√ÿß‡∑æœ 10110 ‚∑√. 0-2645-8500 ·ø°´å 0-2645-8585

Thai Cardif Life Assurance Co., Ltd.

36/11, 36/59-62 PS Tower, G and 18th Floor Sukhumvit 21 Road, North-Klongtoey, Wattana Bangkok 10110 Tel. 0-2645-8500 Fax 0-2645-8585 www.thaicardif.com

π“¬‰™¬ ‰™¬«√√≥

Mr. Chai Chaiyawan °√√¡°“√ºŸâ®—¥°“√„À≠à President

∫√‘…—∑ ‰∑¬ª√–°—π™’«‘μ ®”°—¥ 123 ∂ππ√—™¥“¿‘‡…° ¥‘π·¥ß °√ÿß‡∑æœ 10400 ‚∑√. 0-2247-0247-8 ·ø°´å 0-2246-9946-7

Thai Life Insurance Co.,Ltd.

123 Rachadaphisek Rd. Din Daeng, Bangkok 10400 Tel. 0-2247-0247-8 Fax 0-2246-9946-7 www.thailife.co.th

π“¬´’ ‚¥πÕ≈¥å §“√å¥’π Mr. C. Donald Carden °√√¡°“√ºŸâ®—¥°“√„À≠à President & CEO

∫√‘…—∑ ‰∑¬æ“≥‘™¬åπ‘«¬Õ√å§‰≈øáª√–°—π™’«‘μ ®”°—¥ (¡À“™π) 1060 ∂.‡æ™√∫ÿ√’μ—¥„À¡à (Õ“§“√ 1 ∏π“§“√‰∑¬æ“≥‘™¬å) √“™‡∑«’ °√ÿß‡∑æœ 10400 ‚∑√. 0-2655-3000 ·ø°´å 0-2256-1666

Siam Commercial New York Life Insurance Public Co.,Ltd. 1060 New Petchburi Rd. (SCB BUILDING 1) Rajthevee, Bangkok 10400 Tel. 0-2655-3000 Fax 0-2256-1666 www.scnyl.com

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 89

Members of The Thai Life Assurance Association ∫√‘…—∑ ‰∑¬√’ª√–°—π™’«‘μ ®”°—¥ 223/1 ´Õ¬√à«¡ƒ¥’ ∂ππ«‘∑¬ÿ °√ÿß‡∑æœ 10330 ‚∑√. 0-2256-6822 ·ø°´å 0-2256-6565

Thaire Life Assurance Co.,Ltd.

π“¬ ÿ√™—¬ »‘√‘«—≈≈¿ Mr. Surachai Sirivallop °√√¡°“√ºŸâÕ”π«¬°“√ President & CEO

223/1 Soi Ruamruedee, Wireless Rd. Bangkok 10330 Tel. 0-2256-6822 Fax 0-2256-6565 www.thaire.co.th

∫√‘…—∑ ‰∑¬ ¡ÿ∑√ª√–°—π™’«‘μ ®”°—¥

π“ß¥—¬π“ ∫ÿππ“§

∫√‘…—∑ ∏π™“μª√–°—π™’«‘μ ®”°—¥

¥√.™“μ‘™—¬ æ“√“ ÿ¢ Mr. Chartchai Parasuk °√√¡°“√ºŸâ®—¥°“√ Managing Director

170/74-83 Õ“§“√‚Õ‡™’Ë¬π∑“«‡«Õ√å 1 ∂.√—™¥“¿‘‡…° ‡¢μ§≈Õß‡μ¬ °√ÿß‡∑æœ 10110 Mrs. Dayana Bunnag °√√¡°“√ºŸâ®—¥°“√ ‚∑√. 0-2261-2300 ·ø°´å 0-2261-3344-55 Managing Director Ocean Life Insurance Co.,Ltd. 170/74-83 Ocean Tower 1 Rachadaphisek Rd. Klongtoey Bangkok 10110 Tel. 0-2261-2300 Fax 0-2238-4157, 0-2261-3344-55 www.ocean.co.th

‡≈¢∑’Ë 231 Õ“§“√∏π™“μª√–°—π™’«‘μ ∂.√“™¥”√‘ ·¢«ß≈ÿ¡æ‘π’ ‡¢μª∑ÿ¡«—π °√ÿß‡∑æœ 10330 ‚∑√. 0-2207-4200 ·ø°´å 0-2253-8484

Thanachart Life Assurance Co.,Ltd.

231 Thanachart Life Assurance Building Rachadamri Road, Lumpini, Pathumwan, Bangkok 10330 Tel. 0-2207-4200 Fax 0-2253-8484 www.thanachartlife.co.th

∫√‘…—∑ ∫“ß°Õ° Àª√–°—π™’«‘μ ®”°—¥ 177/1 ∂. ÿ√«ß»å ·¢«ß ÿ√‘¬«ß»å ‡¢μ∫“ß√—° °√ÿß‡∑æœ 10500 ‚∑√. 0-2634-7323-30 ·ø°´å 0-2634-7331

BUI Life Insurance Co.,Ltd.

¥√.™«‘π ‡Õ’Ë¬¡‚ ¿≥“ Dr. Chavin Iamsopana °√√¡°“√ºŸâ®—¥°“√„À≠à President

177/1 Surawong Rd. Bangrak, Bangkok 10500 Tel. 0-2634-7323-30 Fax 0-2634-7331

∫√‘…—∑ ª√–°—π™’«‘μπ§√À≈«ß‰∑¬ ®”°—¥ 169 Õ“§“√∏π“§“√π§√À≈«ß‰∑¬ “¢“ ÿ∑∏‘ “√ ∂ππ ÿ∑∏‘ “√«‘π‘®©—¬ ·¢«ß “¡‡ π„π ‡¢μæ≠“‰∑ °√ÿß‡∑æœ 10400 ‚∑√. 0-2616-2324 ·ø°´å 0-2616-2343

Siam City Life Assurance Co.,Ltd.

π“¬ ÿ«‘∑¬å «—™√Õ”‰æ«—≥¬å Mr.Suwit Wachara-Ampaiwan √—°…“°“√°√√¡°“√ºŸâ®—¥°“√ (on behalf of) Managing Director

169 Siam City Bank Suthisan Branch Bldg. Suthisan Rd., Samsennai, Payathai, Bangkok 10400 Tel. 0-2616-2324 Fax 0-2616-2343 www.scilife.co.th

∫√‘…—∑ æ√Ÿ‡¥Áπ‡™’¬≈ ª√–°—π™’«‘μ (ª√–‡∑»‰∑¬) ®”°—¥ (¡À“™π) 82 Õ“§“√· ß∑Õß∏“π’ ™—Èπ 28, 30-31 ∂. “∏√‡Àπ◊Õ ·¢«ß ’≈¡ ∫“ß√—° °√ÿß‡∑æœ 10500 ‚∑√. 0-2352-8000 ·ø°´å 0-2639-9700

Prudential Life Assurance (Thailand) Public Co.,Ltd.

82 Saengsthong Thani Bldg. 28, 30-31 Flr., North Sathorn Rd. Bangrak Bangkok 10500 Tel. 0-2352-8000 Fax 0-2639-9700 www.prudential.co.th

π™’«‘μ‰∑¬ 90 ¡“§¡ª√–°— The Thai Life Assurance Association

π“¬∫‘π“¬—§ ¥—μμ“

Mr. Binayak Dutta °√√¡°“√ºŸâ®—¥°“√ Chief Executive Officer

Members of The Thai Life Assurance Association

π“¬¡πμ√’ · ßÕÿ‰√æ√

Mr. Montri Saeng-Uraiporn °√√¡°“√ºŸâ®—¥°°“√ President

∫√‘…—∑ øîπ—π´à“ª√–°—π™’«‘μ ®”°—¥ 2032 Õ“§“√øîπ—π´à“ª√–°—π™’«‘μ ∂.‡æ™√∫ÿ√’μ—¥„À¡à ·¢«ß∫“ß°–ªî ‡¢μÀâ«¬¢«“ß °√ÿß‡∑æœ 10310 ‚∑√. 0-2632-5000 ·ø°´å 0-2632-5500

Finansa Life Assurance Co.,Ltd.

Finansa Tower 2032 New Petchburi Rd. Bangkapi, Huaykwang, Bangkok 10310 Tel. 0-2632-5000 Fax 0-2632-5500 www.finansalife.com

π“¬Œ‘‚√™‘ ∑“‡∑Õ‘™‘ Mr. Hiroshi Tateishi °√√¡°“√ºŸâ®—¥°“√ Managing Director

∫√‘…—∑ ¡‘≈‡≈’¬ ‰≈øá Õ‘π™—«√—π å (ª√–‡∑»‰∑¬) ®”°—¥ (¡À“™π) ‡≈¢∑’Ë 195 Õ“§“√‡ÕÁ¡‰æ√å∑“«‡«Õ√å ™—Èπ 26 ∂. “∑√„μâ ·¢«ß¬“ππ“«“ ‡¢μ “∑√ °√ÿß‡∑æœ 10120 ‚∑√. 0-2670-1400 ·ø°´å 0-2670-1401-8

Millea Life Insurance (Thailand) Public Co.,Ltd.

195 Empire Tower Building 26th Fl., South Sathorn Rd., Yannawa, Sathorn Bangkok 10120 Tel. 0-2670-1400 Fax 0-2670-1401-8 www.millealife.co.th

π“¬ “√– ≈Ë”´” Mr. Sara Lamsam °√√¡°“√ºŸâ®—¥°“√ President

∫√‘…—∑ ‡¡◊Õß‰∑¬ª√–°—π™’«‘μ ®”°—¥ 250 ∂ππ√—™¥“¿‘‡…° Àâ«¬¢«“ß °√ÿß‡∑æœ 10320 ‚∑√. 0-2276-1025-7 ·ø°´å 0-2276-1997-8

Muang Thai Life Assurance Co.,Ltd.

250 Rachadaphisek Rd. Huaykwang, Bangkok 10320 Tel. 0-2276-1025-7 Fax 0-2276-1997-8 www.muangthai.co.th

π“¬§√‘ ‚μ‡øÕ√å ‡μ’¬« Mr. Christopher Teo ºŸâ®—¥°“√„À≠à & ª√–∏“π‡®â“Àπâ“∑’Ë∫√‘À“√ President & CEO

π“¬‡¬‘π Œ’ §—ß Mr. Yeon Hee Kang ª√–∏“π∫√‘À“√ President

∫√‘…—∑ ·¡πŸ‰≈øá ª√–°—π™’«‘μ (ª√–‡∑»‰∑¬) ®”°—¥ (¡À“™π) 364/30 ∂ππ»√’Õ¬ÿ∏¬“ æ≠“‰∑ °√ÿß‡∑æœ 10400 ‚∑√. 0-2246-7650-99 ·ø°´å 0-2248-5391

Manulife Insurance (Thailand) Public Company Limited 364/30 Sri Ayudhaya Rd. Phayathai,Bangkok 10400 Tel. 0-2246-7650-99 Fax 0-2248-5391 www.manulife.co.th

∫√‘…—∑ ¬“¡´—¡´ÿßª√–°—π™’«‘μ ®”°—¥ 2922/240-241 ™—Èπ 15 Õ“§“√™“≠Õ‘ √– 2 ∂.‡æ™√∫ÿ√’μ—¥„À¡à ‡¢μÀâ«¬¢«“ß °√ÿß‡∑æœ 10320 ‚∑√. 0-2308-2245-52 ·ø°´å 0-2308-2269

Siam Samsung Life Insurance Co.,Ltd.

2922/240-241 Charnissara Tower 2, 15th Fl., New Petchburi Rd., Huaykwang, Bangkok 10320 Tel. 0-2308-2245-52 Fax 0-2308-2269 www.siamsamsung.co.th

∫√‘…—∑ ¬“¡ª√–°—π™’«‘μ ®”°—¥ §ÿ≥√—™π’ ‡Õßªí≠≠“‡≈‘» Mrs. Rashanee Engpanyalert 75/72-73 Õ“§“√‚Õ‡™’Ë¬π∑“«‡«Õ√å 2 ™—Èπ 30 ÿ¢ÿ¡«‘∑ 19 ·¢«ß§≈Õß‡μ¬‡Àπ◊Õ °√√¡°“√ºŸâ®—¥°“√ Managing Director

‡¢μ«—≤π“ °√ÿß‡∑æœ 10110 ‚∑√. 0-2260-5536-43 ·ø°´å 0-2260-5561

Siam Life Insurance Co.,Ltd.

75/72-73 Ocean Tower 2, 30th Floor, Sukhumvit 19, Wattana, Bangkok 10110 Tel. 0-2260-5536-43 Fax 0-2260-5561 www.siamlife.co.th

¡“§¡ª√–°—π™’«‘μ‰∑¬ The Thai Life Assurance Association 91

Members of The Thai Life Assurance Association ∫√‘…—∑ Àª√–°—π™’«‘μ ®”°—¥ 13 Õ“§“√ π.¡. . 2 ™—Èπ 2 —ππ‘∫“μ À°√≥å·Ààßª√–‡∑»‰∑¬ ∂ππæ‘™—¬ ‡¢μ¥ÿ ‘μ °√ÿß‡∑æœ 10300 ‚∑√. 0-2669-3243-50 ·ø°´å 0-2669-3252

Saha Life Insurance Co.,Ltd.

π“¬ Àæ≈ —ß¢å‡¡¶ Mr. Sahaphon Sangmek ºŸâ®—¥°“√„À≠à Managing Director

13 Naw Maw Saw Bldg. 2nd Fl. Co-operative League of Thailand Pichai Rd., Dusit, Bangkok 10300 Tel. 0-2669-3243-50 Fax 0-2669-3252 www.sahalife.co.th

∫√‘…—∑ Õ¬ÿ∏¬“ Õ≈‘Õ—π´å ´’.æ’. ª√–°—π™’«‘μ ®”°—¥ (¡À“™π) 898 Õ“§“√‡æ≈‘π®‘μ∑“«‡«Õ√å ™—Èπ 2, 6 ∂.‡æ≈‘π®‘μ °√ÿß‡∑æœ 10330 ‚∑√. 0-2305-7000 ·ø°´å 0-2263-0313-4

Ayudhya Allianz C.P. Life Public Co.,Ltd.

π“¬ μ’‡øÉπ ·Õπ‚∑π’ ·Õª‡ªîô≈¬“√å¥ Mr. Stephen Anthony Appleyard °√√¡°“√ºŸâ®—¥°“√„À≠à President

898 Ploenchit Tower 2nd, 6th Floor Ploenchit Rd., Bangkok 10330 Tel. 0-2305-7000 Fax 0-2263-0313-4 www.aacp.co.th

∫√‘…—∑ Õ‡¡√‘°—πÕ‘π‡μÕ√å·π™™—Ëπ·π≈·Õ ™—«√—π å ®”°—¥ 181 Õ“§“√‡Õ‰Õ∑“«‡«Õ√å ∂ππ ÿ√«ß»å ∫“ß√—° °∑¡. 10500 ‚∑√. 0-2634-8888 ·ø°´å 0-2236-6452

American International Assurance Co.,Ltd.

181 AI Tower, Surawong Rd., Bangrak, Bangkok 10500 Tel. 0-2634-8888 Fax 0-2236-6452 www.aia.co.th

∫√‘…—∑ Õ“§‡π¬åª√–°—π™’«‘μ ®”°—¥ 315 ∂ππ ’≈¡ ‡¢μ∫“ß√—° °√ÿß‡∑æœ 10500 ‚∑√. 0-2631-1331 ·ø°´å 0-2236-7614

The South East Life Insurance Co.,Ltd.

π“¬‚∑¡— ‡®¡ å ‰«∑å Mr. Thomas J. White √Õßª√–∏“π∫√‘À“√√–¥—∫ Ÿß·≈– ºŸâ®—¥°“√∑—Ë«‰ª Executive Vice President and General Manager

π“¬‚™μ‘æ—≤πå æ’™“ππ∑å Mr. Chotiphat Bijananda √—°…“°“√°√√¡°“√ºŸâ®—¥°“√ (on behalf of)Managing Director

315 Silom Rd., Bangrak, Bangkok 10500 Tel. 0-2631-1331 Fax 0-2236-7614 www.southeastlife.co.th

∫√‘…—∑ ‡Õ´ ‰≈øá ·Õ ™—«√—π´å ®”°—¥ 130-132 Õ“§“√ ‘π∏√ ∑“«‡«Õ√å 1 ™—Èπ 11-12 ∂ππ«‘∑¬ÿ ·¢«ß≈ÿ¡æ‘π’ ‡¢μª∑ÿ¡«—π °√ÿß‡∑æœ 10330 ‚∑√. 0-2615-6800 ‚∑√ “√ 0-2675-3818

Ace Life Assurance Co.,Ltd.

π“¬‡∫√∑∑å Õ≈—π §≈‘ß‡≈àÕ√å Mr. Brett Alan Klingler ª√–∏“π‡®â“Àπâ“∑’Ë∫√‘À“√ Global Chief Distribution Office

130-132 Sindhorn Building, Tower 1, 11th-12th Floor Wireless Road, Lumpini, Pathumwan Bangkok 10330 Tel. 0-2615-6800 Fax 0-2675-3818 www.acelife.co.th

∫√‘…—∑ ·Õä¥«“π´å ‰≈øá ·Õ ™—«√—π å ®”°—¥ ‡≈¢∑’Ë 2 Õ“§“√‡æ≈‘π®‘μ‡´Áπ‡μÕ√å ™—Èπ 5 ∂. ÿ¢ÿ¡«‘∑ ·¢«ß§≈Õß‡μ¬ ‡¢μ§≈Õß‡μ¬ °√ÿß‡∑æœ 10110 ‚∑√. 0-2648-3600 ‚∑√ “√ 0-2648-3555

Advance Life Assurance Co.,Ltd

π“¬‡™“«åæ—π∏ÿå æ—π∏ÿå∑Õß Mr. Chaowphan Phanthong °√√¡°“√ºŸâ®—¥°“√ Managing Director

2 Ploenchit Center, 5 Floor Sukhumvit Road, Klongtoey Bangkok 10110 Tel. 0-2648-3600 Fax. 0-2648-3555 www.alife.co.th

∫√‘…—∑ ‰Õ‡ÕÁπ®’ ª√–°—π™’«‘μ ®”°—¥ 130-132 Õ“§“√ ‘π∏√∑“«‡«Õ√å 3 ™—Èπ 29 ∂ππ«‘∑¬ÿ ≈ÿ¡æ‘π’ ª∑ÿ¡«—π °√ÿß‡∑æœ 10330 ‚∑√. 0-2263-3900 ·ø°´å 0-2263-3899

ING Life Limited

130-132 Sindhorn Tower 3, 29th Fl., Wireless Rd., Lumpini Pathumwan Bangkok 10330 Tel. 0-2263-3900 Fax 0-2263-3899 www.inglife.co.th π™’«‘μ‰∑¬ 92 ¡“§¡ª√–°— The Thai Life Assurance Association

π“¬√“‡®™ ‡ ∞∞’ Mr. Rajesh Sethi ª√–∏“π‡®â“Àπâ“∑’Ë∫√‘À“√ Chief Executive Office