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

2006 ANNUAL REPORT

SERVICE WITH PASSION

SHANGHAI

NEW YORK TAIWAN

BANGKOK

√“¬ß“πª√–®”ªï 2549


CONTENT “√∫—≠

01 03 04 07 09 13 15 32 37 41

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

71 Message from the Board of Directors 73 Audit Committeeûs Report 74 General Information 77 Financial Highlights 79 Nature of Business 83 Risk Factors 85 Shareholding and Management Structure 102 Connected Transactions 107 Management Discussion and Analysis 111 Financial Statements


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º≈ª√–°Õ∫°“√ªï 2549 ”À√—∫º≈ª√–°Õ∫°“√¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ¡’ ‘π∑√—æ¬å√«¡®”π«π 9,444 ≈â“π∫“∑‡ª√’¬∫‡∑’¬∫°—∫ªï 2548 ®”π«π 7,898 ≈â“π∫“∑§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 19.6 Õ—π‡ªìπº≈¡“®“°°“√‡μ‘∫‚μ¢ÕßæÕ√åμ ‘π‡™◊ËÕ‡ªìπÀ≈—° °”‰√ ÿ∑∏‘√«¡®“°°“√ ¥”‡π‘πß“π®”π«π 119 ≈â“π∫“∑‰¥â™à«¬≈¥¿“√–‡ß‘π°Ÿâ¬◊¡∑’Ë „™â „π°“√¢¬“¬ ‘π∑√—æ¬å¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬≈ß∫“ß à«π  ”À√—∫ à«π¢ÕߺŸâ∂◊ÕÀÿâπ‰¥â ¢¬“¬μ—«®“° 895 ≈â“π∫“∑„πªï 2548 ‡ªìπ 1,576 ≈â“π∫“∑„πªï 2549 À√◊Õ§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 76.1 ´÷Ë߇ªìπº≈¡“®“°°“√‡æ‘Ë¡¢÷Èπ ¢Õß∑ÿπ®¥∑–‡∫’¬π™”√–·≈â«®“° 575 ≈â“π∫“∑ ‡ªìπ 1,150 ≈â“π∫“∑·≈–°”‰√ ÿ∑∏‘∑’ˇæ‘Ë¡¢÷Èπ ∑“ߥâ“πÀπ’È ‘π√«¡‰¥â‡æ‘Ë¡¢÷Èπ®“° 7,003 ≈â“π∫“∑ „πªï 2548 ‡ªìπ 7,867 ≈â“π∫“∑„πªï 2549 À√◊Õ§‘¥‡ªìπÕ—μ√“°“√‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 12.3 √“¬‰¥â√«¡‡æ‘Ë¡¢÷Èπ®“° 742 ≈â“π∫“∑„πªï 2548 ‡ªìπ 897 ≈â“π∫“∑„πªï 2549 À√◊Õ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 20.9 ¥Õ°‡∫’Ȭ®à“¬ ”À√—∫ªï 2549 ¡’®”π«π 391 ≈â“π∫“∑ „π¢≥–∑’˪ï 2548 Õ¬Ÿà∑’Ë®”π«π 210 ≈â“π∫“∑  –∑âÕπ∂÷ß ¿“«–Õ—μ√“¥Õ°‡∫’Ȭ„πμ≈“¥∑’Ë Ÿß¢÷Èπ¡“°·≈–°“√°Ÿâ¬◊¡‡ß‘π∑’ˇæ‘Ë¡¢÷Èπ  àߺ≈„Àâ°”‰√ ÿ∑∏‘√«¡≈¥≈ß®“° 146 ≈â“π∫“∑„πªï 2548 ‡ªìπ 119 ≈â“π∫“∑„πªï 2549 À√◊Õ§‘¥‡ªìπÕ—μ√“°“√≈¥≈ß√âÕ¬≈– 19.0  ”À√—∫Õ—μ√“°”‰√ ÿ∑∏‘ (Net Profit Margin) ·≈–Õ—μ√“º≈μÕ∫·∑πºŸâ∂◊ÕÀÿâπ (Return on Equity) „πªï 2549 Õ¬Ÿà∑’Ë√âÕ¬≈– 13.22 ·≈–√âÕ¬≈– 9.59 μ“¡≈”¥—∫ ∂÷ß·¡â«à“æÕ√åμ ‘π‡™◊ËÕ‡™à“´◊ÈÕ ≈’ ´‘Ëß·≈–·ø§μÕ√‘Ëß®–‡æ‘Ë¡¢÷Èπ®“° 7,749 ≈â“π∫“∑„πªï 2548 ‡ªìπ 9,230 ≈â“π∫“∑„πªï 2549 °Áμ“¡ §ÿ≥¿“æ¢Õß ‘π∑√—æ¬å¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¬—ߧßÕ¬Ÿà „π‡°≥±å∑’Ë¥’ ‚¥¬ —¥ à«π ‘π‡™◊ËÕ∑’Ë ‰¡à°àÕ„À⇰‘¥√“¬‰¥â (NPLs) μàÕ ‘π‡™◊ËÕ√«¡Õ¬Ÿà∑’Ë√âÕ¬≈– 0.54 ¢ÕßæÕ√åμ ‘π‡™◊ËÕ ≥  ‘Èπªï 2549  ”À√—∫Õ—μ√“ à«π§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ μàÕ  ‘π‡™◊ËÕ∑’ˉ¡à°àÕ„À⇰‘¥√“¬‰¥â (NPLs) Õ¬Ÿà „πÕ—μ√“ Ÿß∂÷ß√âÕ¬≈– 242.6  –∑âÕπ∂÷ߧ«“¡‡æ’¬ßæÕ¢Õß°“√μ—Èß ”√Õß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬

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ª√–™ÿ¡„À≠à “¡—≠ª√–®”ªïºŸâ∂◊ÕÀÿâπ§√—Èß∑’Ë 22/2549 Annual General Meeting of Shareholders No. 22nd/2006

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ª√–™ÿ¡«‘ “¡—≠ºŸâ∂◊ÕÀÿâπ§√—Èß∑’Ë 1/2549 Extraordinary General Meeting of Shareholders No. 1st/2006


¢â Õ¡Ÿ≈∑“ß°“√‡ß‘π‚¥¬ √ÿª 2549  ‘π∑√—æ¬å  ‘π∑√—æ¬å√«¡ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ -  ÿ∑∏‘ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π -  ÿ∑∏‘ ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß -  ÿ∑∏‘ Àπ’È ‘π·≈– à«π¢ÕߺŸâ∂◊ÕÀÿâπ Àπ’È ‘π√«¡  à«π¢ÕߺŸâ∂◊ÕÀÿâπ º≈°“√¥”‡π‘πß“π √“¬‰¥â√«¡ √“¬‰¥â®“°¥Õ°º≈‡™à“´◊ÈÕ √“¬‰¥âμ“¡ —≠≠“≈’ ´‘Ëß √“¬‰¥â®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ Àπ’È Ÿ≠·≈–Àπ’È ß —¬®– Ÿ≠ ¥Õ°‡∫’¬È ®à“¬ °”‰√ ÿ∑∏‘À≈—ß¿“…’ Õ—μ√“ à«π· ¥ß§«“¡ “¡“√∂„π°“√À“°”‰√ Õ—μ√“¥Õ°‡∫’Ȭ√—∫ 1/ Õ—μ√“¥Õ°‡∫’Ȭ®à“¬ 1/  à«πμà“ßÕ—μ√“¥Õ°‡∫’Ȭ Õ—μ√“°”‰√ ÿ∑∏‘ Õ—μ√“º≈μÕ∫·∑πºŸâ∂◊ÕÀÿâπ °”‰√ ÿ∑∏‘μÕà Àÿπâ ¡Ÿ≈§à“∑“ß∫—≠™’μàÕÀÿâπ Õ—μ√“°“√®à“¬‡ß‘πªíπº≈ Õ—μ√“‡ß‘πªíπº≈μàÕÀÿâπ Õ—μ√“ à«π· ¥ßª√– ‘∑∏‘¿“æ„π°“√¥”‡π‘πß“π Õ—μ√“º≈μÕ∫·∑π®“° ‘π∑√—æ¬å Õ—μ√“°“√À¡ÿπ¢Õß ‘π∑√—æ¬å Õ—μ√“ à«π«‘‡§√“–Àåπ‚¬∫“¬∑“ß°“√‡ß‘π Õ—μ√“ à«πÀπ’È ‘πμàÕ à«π¢ÕߺŸâ∂◊ÕÀÿâπ Õ—μ√“ à«π‡ß‘π„Àâ°ŸâμàՇߑπ°Ÿâ Õ—μ√“ à«π‡ß‘π„Àâ ‘π‡™◊ËÕ∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥âμàÕ ‘π‡™◊ËÕ√«¡

2548

2547

≈â“π∫“∑ 9,443.84 8,075.62 567.77 464.18

7,898.33 6,639.10 620.46 406.09

6,027.93 4,866.34 686.70 304.17

7,867.36 1,576.48

7,003.18 875.15

5,421.23 606.70

896.80 655.35 58.88 36.51 303.86 45.33 391.22 118.57

741.56 510.62 69.70 28.45 291.78 49.49 209.81 146.46

557.98 388.23 46.61 15.10 237.88 36.15 115.06 137.65

% % % % % ∫“∑/Àÿâπ ∫“∑/Àÿâπ % ∫“∑/Àÿâπ

8.93 5.60 3.33 13.22 9.59 0.82 6.85 47.11 0.60

8.97 3.83 5.14 19.75 19.31 1.46 7.78 50.13 0.60

8.77 2.93 5.84 24.67 26.30 1.68 6.59 -

(%) (‡∑à“)

1.37 0.10

2.10 0.11

2.60 0.11

(‡∑à“) (‡∑à“) (%)

4.99 1.17 0.54

7.82 1.13 0.43

8.94 1.12 0.37

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7


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2549

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875.15

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2547

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118.57

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2547

146.46

557.98

2547

896.80

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8

2549

606.70

7,898.33

2548

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137.65

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∏ÿ√°‘®°“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß  ”À√—∫ ∏ÿ√°‘®°“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß ∫√‘…—∑¬àÕ¬‡√‘Ë¡„Àâ∫√‘°“√μ—Èß·μàªï 2542 °≈ÿà¡≈Ÿ°§â“ ‘π‡™◊ËÕ·ø§μÕ√‘Ëß à«π„À≠à‡ªìπ ºŸªâ √–°Õ∫°“√¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡∑’¡Ë §’ «“¡μâÕß°“√‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π√–¬– —πÈ ·≈–ª√–°Õ∫∏ÿ√°‘®„πÕÿμ “À°√√¡∑’¡Ë ·’ π«‚πâ¡°“√‡μ‘∫‚μ¥’ ¡’º≈ª√–°Õ∫°“√¥’ ¡’∞“π–°“√‡ß‘π¡—Ëπ§ß ·≈–¡’§«“¡ “¡“√∂„π°“√ºàÕπ™”√–Àπ’ȉ¥âμ“¡°”Àπ¥ °≈ÿà¡≈Ÿ°§â“‡ªÑ“À¡“¬¢Õß∫√‘…—∑¬àÕ¬ ”À√—∫ ∫√‘°“√ª√–‡¿∑π’È ‰¥â·°à ºŸâª√–°Õ∫°“√„πÕÿμ “À°√√¡Õ‘‡≈Á°∑√Õπ‘° å Õÿμ “À°√√¡∫√√®ÿ¿—≥±å Õÿμ “À°√√¡‡§¡’¿—≥±å·≈–æ≈“ μ‘° ·≈– Õÿμ “À°√√¡‡§√◊ËÕß¡◊Õ·≈–‡§√◊ËÕß®—°√‡ªìπμâπ ≈—°…≥–°“√„Àâ∫√‘°“√¢Õß ‘π‡™◊ËÕ·ø§μÕ√‘Ëß ®”·π°‰¥â‡ªìπ 2 √Ÿª·∫∫„À≠àÊ ‰¥â·°à  ‘π‡™◊ËÕ ·ø§μÕ√‘Ëß¿“¬„πª√–‡∑» (Domestic Factoring) ´÷Ë߇ªìπ°“√√—∫´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß„π°“√√—∫‡ß‘π®“°≈Ÿ°Àπ’È°“√§â“¢ÕߺŸâ¢“¬ ‘π§â“·≈–∫√‘°“√ ∑’Ë¡’§Ÿà§â“ (ºŸâ´◊ÈÕ) Õ¬Ÿà¿“¬„πª√–‡∑» °≈ÿà¡≈Ÿ°§â“ à«π„À≠à‡ªìπºŸâª√–°Õ∫∏ÿ√°‘®¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡„πª√–‡∑» ·≈– ‘π‡™◊ËÕ·ø§μÕ√‘Ëß √–À«à“ߪ√–‡∑» (International Factoring) ´÷Ë߇ªìπ°“√√—∫´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’È°“√§â“®“°ºŸâ¢“¬ ‘π§â“·≈–∫√‘°“√∑’Ë¡’§Ÿà§â“ (ºŸâ´◊ÈÕ) Õ¬Ÿà „πμà“ߪ√–‡∑» ∑—Èßπ’È ‘π‡™◊ËÕ·ø§μÕ√‘Ëß√–À«à“ߪ√–‡∑»·∫àßÕÕ°‡ªìπ 2 ª√–‡¿∑À≈—° §◊Õ  ‘π‡™◊ËÕ·ø§μÕ√‘Ë߇æ◊ËÕ°“√π”‡¢â“ ∫√‘…—∑¬àÕ¬„Àâ∫√‘°“√°“√§È”ª√–°—𧫓¡ “¡“√∂„π°“√™”√–‡ß‘π¢ÕߺŸâ´◊ÈÕ (ºŸâπ”‡¢â“) μàÕºŸâ¢“¬∑’ËÕ¬Ÿàμà“ߪ√–‡∑» À“°ºŸâπ” ‡¢â“‰¡à “¡“√∂™”√–‡ß‘π§à“ ‘π§â“·≈–∫√‘°“√¿“¬À≈—ß®“°§√∫°”Àπ¥™”√– 90 «—π ∫√‘…—∑¬àÕ¬„π∞“π–ºŸâ§È”ª√–°—πμâÕß™”√–‡ß‘π §à“ ‘π§â“·≈–∫√‘°“√·∑π ‚¥¬∫√‘…—∑¬àÕ¬®–∑”°“√‰≈à‡∫’Ȭ®“°ºŸâ´◊ÈÕ (ºŸâπ”‡¢â“) À√◊ÕºŸâ§È”ª√–°—π¢ÕߺŸâ´◊ÈÕμàÕ‰ª „π°√≥’∑’ˬ—ß¡’¢âÕ‚μâ·¬âß √–À«à“ߺŸâ´◊ÈÕ·≈–ºŸâ¢“¬ ∫√‘…—∑¬àÕ¬‰¡àμâÕß√—∫º‘¥™Õ∫™”√–‡ß‘π§à“ ‘π§â“·≈–∫√‘°“√®π°«à“¢âÕ‚μâ·¬âߥ—ß°≈à“«®–À¡¥‰ª  ‘π‡™◊ËÕ·ø§μÕ√‘Ë߇æ◊ËÕ°“√ àßÕÕ° (Export Factoring) ∫√‘…—∑¬àÕ¬‡ªìπμ—«°≈“ß„π°“√μ‘¥μàÕª√– “πß“π°—∫ºŸâ „Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ë߇æ◊ËÕ°“√π”‡¢â“¢ÕߺŸâπ”‡¢â“∑’ËÕ¬Ÿàμà“ß ª√–‡∑»´÷Ë߇ªìπ∫√‘…—∑§Ÿà§â“¢ÕߺŸâ àßÕÕ°„πª√–‡∑» æ√âÕ¡∫√‘°“√μ√«® Õ∫∞“π–¢ÕߺŸâπ”‡¢â“„πμà“ߪ√–‡∑»ºà“πºŸâ „Àâ∫√‘°“√ ‘π‡™◊ËÕ ·ø§μÕ√‘Ë߇æ◊ËÕ°“√π”‡¢â“ ·≈–√—∫ª√–°—πÀπ’È ‰¡à Ÿ≠μàÕºŸâ àßÕÕ° À“°ºŸâπ”‡¢â“„πμà“ߪ√–‡∑»‰¡à “¡“√∂™”√–‡ß‘π§à“ ‘π§â“·≈–∫√‘°“√ ¿“¬À≈—ß®“°§√∫°”Àπ¥™”√– 90 «—π ºŸâ „Àâ∫√‘°“√ ‘π‡™◊ËÕ·ø§μÕ√‘Ë߇æ◊ËÕ°“√π”‡¢â“¢ÕߺŸâπ”‡¢â“∑’ËÕ¬Ÿàμà“ߪ√–‡∑»®–™”√–‡ß‘π§à“  ‘π§â“·≈–∫√‘°“√„Àâ∫√‘…—∑¬àÕ¬·∑π ‡æ◊ËÕ𔉪™”√–§à“ ‘π§â“·≈–∫√‘°“√„Àâ°—∫ºŸâ àßÕÕ°μàÕ‰ª ªí®®ÿ∫—π∫√‘…—∑¬àÕ¬‡ªìπ ¡“™‘°¢Õß ¡“§¡·ø§μÕ√‘Ëß√–À«à“ߪ√–‡∑» (Factors Chain International À√◊Õ FCI)

4.

∏ÿ√°‘®°“√„Àâ∫√‘°“√ ‘π‡™◊ËÕ·≈–°“√∫√‘°“√Õ◊ËπÊ ∫√‘…—∑„Àâ∫√‘°“√ ‘π‡™◊ËÕª√–‡¿∑Õ◊Ë𠇙àπ  ‘π‡™◊ËÕ∫ÿ§§≈ (Personal Loan) ·≈– ‘π‡™◊ËÕ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå (Floor Plan Financing) ‚¥¬ ‘π‡™◊ËÕ∫ÿ§§≈‡ªìπ∫√‘°“√ ‘π‡™◊ËÕ摇»…‡©æ“–·°à°≈ÿà¡≈Ÿ°§â“™—Èπ¥’¢Õß∫√‘…—∑∑’Ë¡’§«“¡μâÕß°“√„™â‡ß‘π «ß‡ß‘π ‘π‡™◊ËÕ°”À𥉫â √“¬≈– 50,000 ∫“∑ √–¬–‡«≈“ºàÕπ™”√–‡ªìπ√–¬– —Èπ ‚¥¬¡’À≈—°ª√–°—π‡ªìπ√∂¬πμåμ“¡ —≠≠“‡™à“´◊ÈÕ ∫√‘…—∑‡√‘Ë¡„Àâ∫√‘°“√ ‘π‡™◊ËÕ à«π ∫ÿ§§≈μ—Èß·μàªï 2545 πÕ°®“°π’È μ—Èß·μàª≈“¬ªï 2546 ∫√‘…—∑‡√‘Ë¡„Àâ∫√‘°“√ ‘π‡™◊ËÕ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå (Floor Plan Financing)  ”À√—∫„™â‡ªìπ·À≈àß ‡ß‘π∑ÿπ„π°“√®—¥´◊ÈÕ√∂¬πμå‡æ◊ËÕπ”¡“®”Àπà“¬ ·≈–‡æ◊Ëՙ૬‡ √‘¡ ¿“æ§≈àÕß„Àⷰຟ⮗¥®”Àπà“¬√∂¬πμå ‚¥¬∫√‘…—∑‡≈◊Õ°„Àâ°“√ π—∫ πÿπ ‡©æ“–ºŸâ®—¥®”Àπà“¬√∂¬πμå∑’ˇªìπºŸâ®—¥À“≈Ÿ°§â“ ‘π‡™◊ËÕ‡™à“´◊ÈÕ„Àâ·°à∫√‘…—∑ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’∫√‘°“√Õ◊ËπÊ ‰¥â·°à ∫√‘°“√®¥∑–‡∫’¬π·≈–μàÕ¿“…’∑–‡∫’¬π√∂¬πμå ·≈–°“√„Àâ∫√‘°“√¥â“πª√–°—π¿—¬ ‡ªìπμâπ ‡æ◊ËÕ°“√„Àâ∫√‘°“√Õ¬à“ߧ√∫«ß®√


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ªï 2549 ªï 2548 ªï 2547 √“¬‰¥â √âÕ¬≈– √“¬‰¥â √âÕ¬≈– √“¬‰¥â √âÕ¬≈– (≈â“π∫“∑) (≈â“π∫“∑) (≈â“π∫“∑) 655.35 73.08 510.62 68.86 388.23 69.58 58.88 6.56 69.70 9.40 46.61 8.35 36.51 4.07 28.45 3.84 15.10 2.71 146.06 16.29 132.79 17.90 108.04 19.36 896.80 100.00 741.56 100.00 557.98 100.00

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¿“«–°“√·¢àߢ—π∑“ß∏ÿ√°‘® 1.

∏ÿ√°‘®‡™à“´◊ÈÕ√∂¬πμå „πªï 2549 °“√·¢àߢ—π„π∏ÿ√°‘® ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πμå ”À√—∫°≈ÿà¡≈Ÿ°§â“∫ÿ§§≈∏√√¡¥“¡’§«“¡√ÿπ·√ß¡“°¢÷Èπ ®“°√“§“πÈ”¡—π·≈– Õ—μ√“¥Õ°‡∫’Ȭ∑’ËÕ¬Ÿà „π√–¥—∫ Ÿß ·≈–®“°°“√∑’Ë∏𓧓√·Ààߪ√–‡∑»‰∑¬°”Àπ¥·ºπæ—≤π“√–∫∫ ∂“∫—π°“√‡ß‘π·≈–Õπÿ≠“μ„Àâ∏𓧓√ æ“≥‘™¬å “¡“√∂„Àâ∫√‘°“√„π∏ÿ√°‘®‡™à“´◊ÈÕ‰¥â  àߺ≈°√–∑∫„π¥â“π°“√°”Àπ¥√“§“·≈–°“√„Àâ∫√‘°“√ ‡π◊ËÕß®“° ∂“∫—π°“√‡ß‘π¡’μâπ∑ÿπ ∑“ß°“√‡ß‘π∑’ËμË”°«à“ ¡’‡§√◊Õ¢à“¬§√Õ∫§≈ÿ¡æ◊Èπ∑’Ë¡“°°«à“ ∂◊Õ‰¥â«à“‡ªìπ§Ÿà·¢àߢ—π√“¬„À¡à∑’Ë∑”„Àâ°“√·¢àߢ—π„π∏ÿ√°‘®°“√‡™à“´◊ÈÕ√∂¬πμå∑«’ §«“¡√ÿπ·√ß¡“°¢÷Èπ Õ¬à“߉√°Áμ“¡ °“√∑’Ëπ‚¬∫“¬¢Õß∫√‘…—∑‰¡à ‰¥â‡πâπ°“√·¢àߢ—π∑“ߥâ“π√“§“‡æ’¬ßÕ¬à“߇¥’¬« ·μà¡ÿà߇πâπ§ÿ≥¿“æ°“√„Àâ∫√‘°“√ √«¡∂÷ß °“√°”Àπ¥ —¥ à«π ‘π‡™◊ËÕ¢Õß√∂¬πμå „À¡à·≈–√∂¬πμå „™â·≈â«∑’ˇÀ¡“– ¡‡æ◊ËÕ„Àâ ‰¥âº≈μÕ∫·∑π„π√–¥—∫∑’Ë¥’ ·≈–¡’§«“¡‡ ’ˬß∑’ˬա√—∫‰¥â ª√–°Õ∫°—∫ °“√∑’Ë∫√‘…—∑¡’ª√– ∫°“√≥å·≈–§«“¡™”π“≠„π°“√∑”∏ÿ√°‘®‡™à“´◊ÈÕ√∂¬πμå¡“¬“«π“π ¡’º≈‘μ¿—≥±å∑’Ë „Àâ∫√‘°“√À≈“°À≈“¬ °“√∫√‘°“√∑’Ë –¥«° √«¥‡√Á« ‡®â“Àπâ“∑’Ë∑’Ë¡’§«“¡√Ÿâ·≈–¡’§«“¡‡™’ˬ«™“≠ √–∫∫°“√Õπÿ¡—μ‘·≈–§«∫§ÿ¡ ‘π‡™◊ËÕ∑’Ë√—¥°ÿ¡ ·≈–°“√ √â“ߧ«“¡  —¡æ—π∏å∑’Ë¥’√–À«à“ߧŸà§â“ ∑”„Àâ∫√‘…—∑ “¡“√∂·¢àߢ—π°—∫§Ÿà·¢àߢ—π„πÕÿμ “À°√√¡‰¥â

2.

∏ÿ√°‘®≈’ ´‘Ëß / ∏ÿ√°‘®‡™à“´◊ÈÕ‡§√◊ËÕß®—°√·≈–¬“πæ“Àπ–  ”À√—∫∏ÿ√°‘®≈’ ´‘Ëß / ‡™à“´◊ÈÕ‡§√◊ËÕß®—°√·≈–¬“πæ“Àπ–´÷Ëß¡ÿà߇πâπ°≈ÿà¡≈Ÿ°§â“π‘μ‘∫ÿ§§≈ºŸâª√–°Õ∫∏ÿ√°‘®π—Èπ ∂÷ß·¡â¡’°“√·¢àߢ—π√ÿπ·√ß ¡“°¢÷πÈ ·≈–‰¥â√∫— º≈°√–∑∫®“°ªí®®—¬À≈—°¢â“ßμâπ‡™àπ‡¥’¬«°—∫∏ÿ√°‘®‡™à“´◊ÕÈ √∂¬πμå°≈ÿ¡à ≈Ÿ°§â“∫ÿ§§≈∏√√¡¥“ ·μà°¡Á °’ “√·¢àߢ—π∑’√Ë πÿ ·√ßπâÕ¬°«à“ ‡π◊ËÕß®“°®”π«π§Ÿà·¢àߢ—π„πÕÿμ “À°√√¡¡’ ‰¡à¡“°π—° ·≈– —¥ à«π°“√∂◊Õ§√Õßμ≈“¥¢ÕߧŸà·¢àߢ—π„πμ≈“¥„°≈⇧’¬ß°—π πÕ°®“°π’È °“√„™â ®à“¬¥â“π°“√≈ß∑ÿπ∑—Èß®“°¿“§‡Õ°™π·≈–√—∞∫“≈¬—ߧߢ¬“¬μ—« ‚¥¬Õ—μ√“°“√„™â°”≈—ß°“√º≈‘μ¿“§Õÿμ “À°√√¡ (Industrial Capacity Utilization Rate) Õ¬Ÿà „π√–¥—∫ª√–¡“≥Õ—μ√“√âÕ¬≈– 70-81 √–À«à“ߪï 2548 - 2549 ´÷Ëß –∑âÕπ∂÷ß·π«‚π⡧«“¡μâÕß°“√´◊ÈÕ ‡§√◊ËÕß®—°√∑’ˇæ‘Ë¡¢÷Èπ‡æ◊ËÕπ”¡“ª√—∫ª√ÿßÀ√◊Õ¢¬“¬°”≈—ß°“√º≈‘μ ∑”„Àâ·π«‚πâ¡°“√¢¬“¬μ—«¢Õßμ≈“¥„Àâ∫√‘°“√ ‘π‡™◊ËÕ‡™à“´◊ÈÕ/ ≈’ ´‘Ëß ‡§√◊ËÕß®—°√·≈–¬“πæ“Àπ–¡’¡“°¢÷Èπ ª√–°Õ∫°—∫°“√∑’Ë∫√‘…—∑¬àÕ¬¡’ª√– ∫°“√≥姫“¡™”π“≠„π∏ÿ√°‘®¡“π“π°«à“ 20 ªï §«“¡ —¡æ—π∏å∑’Ë¥’ °—∫ºŸâ·∑π®”Àπà“¬∑√—æ¬å ‘π∑’Ëπ”¡“„Àâ∫√‘°“√ ·≈–π‚¬∫“¬¥â“π√“§“∑’Ë ‰¡à¡ÿà߇πâπ°“√·¢àߢ—π¥â“π√“§“ ·μà „À⧫“¡ ”§—≠¥â“π°“√æ—≤π“ §ÿ≥¿“æ°“√„Àâ∫√‘°“√ ª√–°Õ∫°—∫∑√—æ¬å ‘π∑’Ë „Àâ∫√‘°“√‡™à“´◊ÈÕ / ≈’ ´‘Ëß ¡’ ¿“æ§≈àÕß Ÿß ∫√‘…—∑¬àÕ¬®÷ß¡’»—°¬¿“æ„π°“√·¢àߢ—π¿“¬„μâ¿“«– °“√·¢àߢ—π„πμ≈“¥∑’Ë√ÿπ·√ß¡“°¢÷Èπ

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14

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15


................................................................................................................................................ ‚§√ß √â“ß°“√∂◊ÕÀÿâπ √“¬™◊ËÕºŸâ∂◊ÕÀÿâπ„À≠à 10 √“¬·√° ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ≈”¥—∫ 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.

√“¬™◊ËÕºŸâ∂◊ÕÀÿâπ ∫√‘…—∑ ‰™≈’ ‰ø·ππ´å ®”°—¥ ∫√‘…—∑ ‡Õ ‡§ ‡ÕÁπ‡μÕ√å ‰æ√ å (ª√–‡∑»‰∑¬) ®”°—¥ ∏𓧓√°√ÿ߇∑æ ®”°—¥ (¡À“™π) 𓬙“μ√’ ‚ ¿≥æπ‘™ ∫√‘…—∑ ‰∑¬‡ÕÁπ«’¥’Õ“√å ®”°—¥ ∫√‘…—∑ °√ÿ߇∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) Mr. Koo John-Lee π“ß·««μ“ À≈ŸÕ“√’¬å ÿ«√√≥ ¥√. Õ”π«¬ «’√«√√≥ ∫√‘…—∑À≈—°∑√—æ¬å ‡Õ‡´’¬æ≈—  ®”°—¥ (¡À“™π) √«¡

®”π«πÀÿâπ (Àÿâπ) 86,096,730 80,447,280 16,899,560 11,212,360 10,812,800 2,204,280 1,079,640 1,040,000 925,600 826,620 211,544,870

√âÕ¬≈– (%) 37.43 34.98 7.35 4.87 4.70 0.96 0.47 0.45 0.40 0.36 91.97

°“√®—¥°“√ ‚§√ß √â“ß°“√®—¥°“√¢Õß∫√‘…—∑ª√–°Õ∫¥â«¬ §≥–°√√¡°“√∫√‘…—∑ §≥–°√√¡°“√μ√«® Õ∫ §≥–°√√¡°“√∫√‘À“√ ·≈– §≥–ºŸâ∫√‘À“√ §≥–°√√¡°“√∫√‘…—∑ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 §≥–°√√¡°“√∫√‘…—∑ ª√–°Õ∫¥â«¬ºŸâ∑√ߧÿ≥«ÿ≤‘ 12 ∑à“π ‚¥¬ 3 ∑à“𠇪ìπ°√√¡°“√Õ‘ √–¥”√ßμ”·Àπàß §≥–°√√¡μ√«® Õ∫¢Õß∫√‘…—∑ ¥—ßπ’È 1 ¥√. Õ”π«¬ «’√«√√≥ ª√–∏“π°√√¡°“√/ ª√–∏“π°√√¡°“√∫√‘À“√ 2 𓬂≈ ®ÿπ ≈Õß °√√¡°“√∫√‘À“√/ °√√¡°“√ºŸâ®—¥°“√ 3 𓬇∑’¬π∑«’  √–μ—πμ‘Ï °√√¡°“√∫√‘À“√/ √Õß°√√¡°“√ºŸâ®—¥°“√ 4 𓬇™π ¬‘ß Œÿ¬ °√√¡°“√∫√‘À“√ 5 π“¬Œ«ß ‡™ß À¡‘ß °√√¡°“√ 6 π“¬Œ«ß À¡‘ß øŸ (≈“ÕÕ°) ** °√√¡°“√ 𓬇©‘π ™‘ ™‘ß (‡¢â“„À¡à) ** °√√¡°“√ 7 π“¬øß ≈Õß ‡™π °√√¡°“√ 8 𓬇®’¬ À¡‘ß À¬“ß °√√¡°“√ 9 π“ߪؑ¡“ ™«≈‘μ °√√¡°“√ 10 𓬪√–¥‘…∞ »«— μπ“ππ∑å ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 11 π“¬Õπ—πμå »«— μπ“ππ∑å °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– 12 √». ¥√.  ÿª√’¬“ §«√‡¥™–§ÿªμå * °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– À¡“¬‡Àμÿ * ∑’˪√–™ÿ¡§≥–°√√¡°“√∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) §√—Èß∑’Ë 4/2549 ‡¡◊ËÕ«—π∑’Ë 10 情¿“§¡ 2549 ¡’¡μ‘√—∫∑√“∫°“√≈“ÕÕ°¢Õßæ≈μ”√«®‚∑ æ‘™‘§«√‡¥™–§ÿªμå ®“°°“√‡ªìπ°√√¡°“√μ√«® Õ∫/°√√¡°“√Õ‘ √–¢Õß∫√‘…—∑ ·≈–·μàßμ—Èß√». ¥√.  ÿª√’¬“ §«√‡¥™–§ÿªμå ‡¢â“¥”√ßμ”·Àπàß°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √–·∑π ** ∑’˪√–™ÿ¡§≥–°√√¡°“√∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) §√—Èß∑’Ë 2/2550 ‡¡◊ËÕ«—π∑’Ë 28 °ÿ¡¿“æ—π∏å 2550 ¡’¡μ‘√—∫∑√“∫°“√≈“ÕÕ°¢Õß π“¬Œ«ß À¡‘ß øŸ ®“°°“√‡ªìπ°√√¡°“√¢Õß∫√‘…—∑ ‚¥¬¡’º≈μ—Èß·μà«—π∑’Ë 1 ¡’π“§¡ 2550 ∑’˪√–™ÿ¡°√√¡°“√∫√‘…—∑ §√—Èß∑’Ë 3/2550 ‡¡◊ËÕ«—π∑’Ë 22 ¡’π“§¡ 2550 ‰¥â¡’ ¡μ‘·μàßμ—Èß π“¬‡©‘π ™‘ ™‘ß ‡¢â“¥”√ßμ”·Àπàß°√√¡°“√‚¥¬¡’º≈μ—Èß·μà«—π∑’Ë 22 ¡’π“§¡ 2550

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¢Õ∫‡¢μÕ”π“®Àπâ“∑’Ë¢Õߧ≥–°√√¡°“√∫√‘…—∑ 1. ∫√‘À“√®—¥°“√„À⇪ìπ‰ªμ“¡°ÆÀ¡“¬ «—μ∂ÿª√– ß§å ·≈–¢âÕ∫—ߧ—∫¢Õß∫√‘…—∑μ≈Õ¥®π¡μ‘¢Õß∑’˪√–™ÿ¡ºŸâ∂◊ÕÀÿâπ∑’Ë™Õ∫¥â«¬°ÆÀ¡“¬ √«¡∑—Èß¡’ Õ”π“®°√–∑”°“√„¥Ê μ“¡∑’Ë ‰¥â√–∫ÿ‰«â „πÀπ—ß ◊Õ∫√‘§≥Àå π∏‘À√◊Õ∑’ˇ°’ˬ«¢âÕß°—∫°“√¥—ß°≈à“«¿“¬„μâæ√–√“™∫—≠≠—μ‘∫√‘…—∑¡À“™π®”°—¥¥â«¬ §«“¡´◊ËÕ —μ¬å ÿ®√‘μ·≈–√–¡—¥√–«—ß√—°…“º≈ª√–‚¬™πå¢Õß∫√‘…—∑ ·≈–®–μâÕß¡’°“√‡ªî¥‡º¬¢âÕ¡Ÿ≈Õ¬à“ß∂Ÿ°μâÕߧ√∫∂â«π‰¥â¡“μ√∞“π·≈–‚ª√àß„  2. ¡’Õ”π“®æ‘®“√≥“Õπÿ¡—μ‘°“√„Àâ ‘π‡™◊ËÕ (Credit Approval) §à“„™â®à“¬∑—Ë«‰ª∑’ËΩÉ“¬∫√‘À“√¬—߉¡à¡’π‚¬∫“¬°”À𥉫â (Non-Policy Expenses) ·≈–°“√®—¥´◊ÕÈ °“√¢“¬∑√—æ¬å π‘ ∑’ΩË “É ¬∫√‘À“√¬—߉¡à¡π’ ‚¬∫“¬°”À𥉫âÀ√◊Õ∑’¡Ë ‘„™à‡ªìπ∏ÿ√°√√¡ª°μ‘ (Buying & Selling of Non-Policy Assets) °“√®—¥∑”·ºπ∏ÿ√°‘®·≈–ß∫ª√–¡“≥ª√–®”ªï¢Õß∫√‘…—∑ μ≈Õ¥®ππ‚¬∫“¬À√◊Õ°“√∫√‘À“√ß“πÕ◊Ëπ„¥∑’ËΩÉ“¬∫√‘À“√¬—߉¡à‰¥â°”À𥉫âÀ√◊Õ∑’ËÕ¬Ÿà πÕ°¢Õ∫Õ”π“®¢Õߧ≥–°√√¡°“√∫√‘À“√ ´÷Ë߉¥â‡ πÕ‡æ◊ËÕ¢ÕÕπÿ¡—μ‘‚¥¬§≥–°√√¡°“√∫√‘À“√ ∑—Èßπ’È¿“¬„πÕ”π“® ·≈–/À√◊ի߇ߑπ∑’˧≥– °√√¡°“√∫√‘…—∑‰¥â√—∫Õπÿ¡—μ‘®“°∑’˪√–™ÿ¡ºŸâ∂◊ÕÀÿâπ 3. §≥–°√√¡°“√Õ“®·μàßμ—Èß°√√¡°“√ ·≈–/À√◊Õ ºŸâ∫√‘À“√®”π«πÀπ÷Ëßμ“¡∑’ˇÀÁπ ¡§«√‚¥¬„Àâ¡’Õ”π“®Àπâ“∑’Ë∫√‘À“√®—¥°“√∫√‘…—∑μ“¡∑’ˉ¥â√—∫ ¡Õ∫À¡“¬®“°§≥–°√√¡°“√∫√‘…—∑°Á ‰¥â‡«âπ·μà®–¡’¢âÕ∫—ߧ—∫¢Õß∫√‘…—∑°”Àπ¥Àâ“¡‰¡à „Àâ§≥–°√√¡°“√¡’Õ”π“®¥—ß°≈à“«√–∫ÿ‰«â ‚¥¬™—¥·®âß 4. °√√¡°“√μâÕ߉¡àª√–°Õ∫°‘®°“√Õ—π¡’ ¿“æÕ¬à“߇¥’¬«°—π·≈–‡ªìπ°“√·¢àߢ—π°—∫°‘®°“√¢Õß∫√‘…—∑ À√◊Õ‡¢â“‡ªìπÀÿâπ à«π„πÀâ“ßÀÿâπ à«π “¡—≠ À√◊Õ‡ªìπÀÿâπ à«π‰¡à®”°—¥§«“¡√—∫º‘¥„πÀâ“ßÀÿâπ à«π®”°—¥ À√◊Õ‡ªìπ°√√¡°“√¢Õß∫√‘…—∑‡Õ°™πÀ√◊Õ∫√‘…—∑¡À“™π®”°—¥Õ◊Ëπ„¥∑’˪√–°Õ∫°‘®°“√ Õ—π¡’ ¿“æÕ¬à“߇¥’¬«°—π ·≈–‡ªìπ°“√·¢àߢ—π°—∫°‘®°“√¢Õß∫√‘…—∑‰¡à«à“‡æ◊ËÕª√–‚¬™πå¢Õß°√√¡°“√π—Èπ‡ÕßÀ√◊Õª√–‚¬™πå¢ÕߺŸâÕ◊Ëπ‡«âπ·μà‰¥â ·®âß„Àâ∑’˪√–™ÿ¡ºŸâ∂◊ÕÀÿâπ ∑√“∫°àÕπ∑’Ë®–¡’¡μ‘·μàßμ—Èß°√√¡°“√ºŸâπ—Èπ 5. °√√¡°“√μâÕß·®âß„Àâ∫√‘…—∑∑√“∫‚¥¬‰¡à™—°™â“ „π°√≥’∑’Ë°√√¡°“√¡’ à«π‰¥â‡ ’¬‰¡à«à“‚¥¬μ√ßÀ√◊Õ‚¥¬ÕâÕ¡„π —≠≠“„¥Ê ∑’Ë∫√‘…—∑∑”¢÷Èπ√–À«à“ß √Õ∫ªï∫—≠™’ ‚¥¬√–∫ÿ¢âÕ‡∑Á®®√‘߇°’ˬ«°—∫≈—°…≥–¢Õß —≠≠“ §Ÿà —≠≠“ ·≈– à«π‰¥â‡ ’¬¢Õß°√√¡°“√„π —≠≠“π—ÈπÀ√◊Õ„π°√≥’∑’Ë°√√¡°“√∂◊ÕÀÿâπ À√◊ÕÀÿâπ°ŸâÀ√◊ÕÀ≈—°∑√—æ¬åÕ◊Ëπ„¥„π∫√‘…—∑À√◊Õ∫√‘…—∑„π‡§√◊Õ‡æ‘Ë¡¢÷ÈπÀ√◊Õ≈¥≈ß„π√–À«à“ß√Õ∫ªï∫—≠™’ 6. °√√¡°“√∑’Ë¡’ à«π‰¥â‡ ’¬„π‡√◊ËÕß„¥‡√◊ËÕßÀπ÷Ë߉¡à¡’ ‘∑∏‘ÕÕ°‡ ’¬ß≈ߧ–·ππ„π‡√◊ËÕßπ—Èπ 7. „π°√≥’∑’Ë°“√≈ß¡μ‘ „π∑’˪√–™ÿ¡¡’§–·ππ‡ ’¬ß‡∑à“°—π„Àâª√–∏“π„π∑’˪√–™ÿ¡¡’‡ ’¬ß‡æ‘Ë¡¢÷ÈπÕ’°Àπ÷Ë߇ ’¬ß‡ªìπ‡ ’¬ß™’È¢“¥ 8. °”Àπ¥„Àâ∫√‘…—∑¡’√–∫∫°“√§«∫§ÿ¡·≈–μ√«® Õ∫¿“¬„π∑’Ë¡’ª√– ‘∑∏‘¿“æ·≈–ª√– ‘∑∏‘º≈‚¥¬®—¥„Àâ¡’ΩÉ“¬μ√«® Õ∫¿“¬„π‡ªìπºŸâμ‘¥μ“¡·≈– ¥”‡π‘π°“√√à«¡·≈–ª√– “πß“π°—∫§≥–°√√¡°“√μ√«® Õ∫ ‡æ◊ËÕ„Àâ°“√¥”‡π‘πß“π‡ªìπ‰ªμ“¡¢âÕ°”Àπ¥¢Õß°ÆÀ¡“¬·≈–°Æ√–‡∫’¬∫¢âÕ ∫—ߧ—∫¢ÕßÀπ૬ߓπ∑’ˇ°’ˬ«¢âÕß‚¥¬¬÷¥À≈—°®√‘¬∏√√¡∑“ß∏ÿ√°‘® ∑—Èßπ’È °“√¡Õ∫Õ”π“®¥—ß°≈à“«¢â“ßμâπ„Àâ·°à§≥–°√√¡°“√π—Èπ μâÕßÕ¬Ÿà¿“¬„μâÀ≈—°‡°≥±å¢Õß°ÆÀ¡“¬·≈–°Æ√–‡∫’¬∫¢âÕ∫—ߧ—∫¢Õß∫√‘…—∑ ·≈– Àπ૬ߓπ∑’ˇ°’ˬ«¢âÕß ‡™àπ  ”π—°ß“π§≥–°√√¡°“√°”°—∫À≈—°∑√—æ¬å·≈–μ≈“¥À≈—°∑√—æ¬å μ≈“¥À≈—°∑√—æ¬å·Ààߪ√–‡∑»‰∑¬ §≥–°√√¡°“√∫√‘À“√ §≥–°√√¡°“√∫√‘À“√ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ª√–°Õ∫¥â«¬°√√¡°“√ 6 ∑à“π ¥—ßπ’È 1 ¥√. Õ”π«¬ «’√«√√≥ ª√–∏“π°√√¡°“√/ ª√–∏“π°√√¡°“√∫√‘À“√ 2 𓬂≈ ®ÿπ ≈Õß °√√¡°“√∫√‘À“√/ °√√¡°“√ºŸâ®—¥°“√ 3 𓬇∑’¬π∑«’  √–μ—πμ‘Ï °√√¡°“√∫√‘À“√/ √Õß°√√¡°“√ºŸâ®—¥°“√ 4 𓬇™π ¬‘ß Œÿ¬ °√√¡°“√∫√‘À“√ 5 π“¬Œ«ß ‡™ß À¡‘ß °√√¡°“√ 6 π“¬øß ≈Õß ‡™π °√√¡°“√ ¢Õ∫‡¢μÕ”π“®Àπâ“∑’Ë¢Õߧ≥–°√√¡°“√∫√‘À“√ 1. ªØ‘∫—μ‘Àπâ“∑’Ë ‚¥¬∑—Ë«‰ª„ππ“¡¢Õß∫√‘…—∑ ·≈–‡æ◊ËÕº≈ª√–‚¬™πå¢Õß∫√‘…—∑·≈–∫√‘…—∑„π‡§√◊Õ„π°“√ª√–°Õ∫∏ÿ√°‘® 2. ¡’Õ”π“®„π°“√®—¥°“√·≈–∫√‘À“√°‘®°“√¢Õß∫√‘…—∑ μ“¡«—μ∂ÿª√– ß§å ¢âÕ∫—ߧ—∫ ¡μ‘∑’˪√–™ÿ¡ºŸâ∂◊ÕÀÿâπ ·≈–/À√◊Õ ¡μ‘∑’˪√–™ÿ¡§≥–°√√¡°“√ ¢Õß∫√‘…—∑∑ÿ°ª√–°“√

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¡’Õ”π“®æ‘®“√≥“Õπÿ¡—μ‘°“√„Àâ ‘π‡™◊ËÕ (Credit Approval) §à“„™â®à“¬∑—Ë«‰ª∑’ËΩÉ“¬∫√‘À“√¬—߉¡à¡’π‚¬∫“¬°”À𥉫â (Non-Policy Expenses) °“√®—¥´◊ÕÈ ·≈–°“√¢“¬∑√—æ¬å π‘ ∑’ΩË “É ¬∫√‘À“√¬—߉¡à¡π’ ‚¬∫“¬°”À𥉫âÀ√◊Õ∑’¡Ë ‘„™à‡ªìπ∏ÿ√°√√¡ª°μ‘ (Buying & Selling of Non-Policy Assets) ·≈–𔇠πÕ§≥–°√√¡°“√∫√‘…—∑À“°‡°‘π°«à“Õ”π“® ·≈–/À√◊Õ «ß‡ß‘π∑’Ë ‰¥â√—∫Õπÿ¡—μ‘ ‰«â  ”À√—∫π‚¬∫“¬À√◊Õ°“√∫√‘À“√ß“π∫ÿ§§≈ ´÷Ëß §√Õ∫§≈ÿ¡°“√«à“®â“ß °”Àπ¥Õ—μ√“§à“®â“ß °“√‚Õ𠂬°¬â“¬ °“√‡≈◊ËÕπμ”·Àπàß °“√æâπ®“°°“√‡ªìπæπ—°ß“π °“√„Àâ√“ß«—≈ º≈μÕ∫·∑π °“√¢÷Èπ‡ß‘π‡¥◊Õπª√–®”ªï¢Õß∫√‘…—∑ μ≈Õ¥®π°“√∫√‘À“√ß“π∫ÿ§§≈  “¡“√∂Õπÿ¡—쑉¥âμ“¡∑’Ë ‰¥â√—∫¡Õ∫À¡“¬®“°§≥–°√√¡°“√∫√‘…—∑ „Àâ¡’ÕÌ“π“®„π°“√¡Õ∫ÕÌ“π“®™à«ß„Àâ°—∫°√√¡°“√§πÀπ÷Ëߧπ„¥À√◊ÕÀ≈“¬§π„π§≥–°√√¡°“√∫√‘À“√À√◊Õ∫ÿ§§≈Õ◊Ëπ„¥„π°“√ªØ‘∫—μ‘°“√Õ¬à“ß Àπ÷ËßÕ¬à“ß„¥ ‚¥¬Õ¬Ÿà¿“¬„μâ°“√§«∫§ÿ¡¢Õߧ≥–°√√¡°“√∫√‘À“√ À√◊Õμ“¡∑’˧≥–°√√¡°“√∫√‘À“√‡ÀÁπ ¡§«√ ·≈–¿“¬„π√–¬–‡«≈“∑’˧≥– °√√¡°“√∫√‘À“√°”Àπ¥ ´÷Ëߧ≥–°√√¡°“√∫√‘À“√Õ“®¬°‡≈‘°‡æ‘°∂Õ𠇪≈’ˬπ·ª≈ß À√◊Õ·°â ‰¢Õ”π“®∑’Ë ‰¥â „Àâ ‰«â°—∫∫ÿ§§≈∑’Ë ‰¥â√—∫¡Õ∫ÕÌ“π“® ™à«ßπ—ÈπÊ ‰¥âμ“¡∑’ˇÀÁπ ¡§«√ ªØ‘∫—μ‘Àπâ“∑’ËÕ◊ËπÊ μ“¡∑’Ë ‰¥â√—∫¡Õ∫À¡“¬®“°§≥–°√√¡°“√∫√‘…—∑ ∑—Èßπ’È °“√¡Õ∫Õ”π“®¥—ß°≈à“«¢â“ßμâπ„Àâ·°à§≥–°√√¡°“√∫√‘À“√π—Èπ μâÕß Õ¬Ÿà¿“¬„μâÀ≈—°‡°≥±å¢Õß°ÆÀ¡“¬·≈–°Æ√–‡∫’¬∫¢âÕ∫—ߧ—∫¢Õß∫√‘…—∑μ≈Õ¥®π°ÆÀ¡“¬∑’ˇ°’ˬ«¢âÕß ·≈–°”Àπ¥„Àâ√“¬°“√∑’Ë°√√¡°“√∫√‘À“√ À√◊Õ∫ÿ§§≈∑’ËÕ“®¡’§«“¡¢—¥·¬âß ¡’ à«π‰¥â‡ ’¬ À√◊ÕÕ“®¡’§«“¡¢—¥·¬âß∑“ߺ≈ª√–‚¬™πåÕ◊Ëπ„¥°—∫∫√‘…—∑ À√◊Õ∫√‘…—∑¬àÕ¬∑’Ë¡‘„™à√“¬°“√∏ÿ√°‘®ª°μ‘ À√◊Õ‡ªìπ‰ªμ“¡‡ß◊ËÕπ‰¢°“√§â“ „Àâ°√√¡°“√∫√‘À“√´÷Ëß¡’ à«π‰¥â‡ ’¬„π‡√◊ËÕß„¥‰¡à¡’ ‘∑∏‘Õπÿ¡—μ‘°“√∑”√“¬°“√π—Èπ·≈–„Àâ√“¬ß“π§≥–°√√¡°“√ ∫√‘…—∑‡æ◊ËÕ∑√“∫μàÕ‰ª ‡æ◊ËÕ„Àâ Õ¥§≈âÕß°—∫√–‡∫’¬∫·≈–¢âÕ°”Àπ¥¢Õßμ≈“¥À≈—°∑√—æ¬å·Ààߪ√–‡∑»‰∑¬

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§≥–ºŸâ∫√‘À“√ √“¬™◊ËÕºŸâ∫√‘À“√ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ¡’¥—ßπ’È 1 ¥√. Õ”π«¬ «’√«√√≥ 2 𓬂≈ ®ÿπ ≈Õß 3 𓬇∑’¬π∑«’ √–μ—πμ‘Ï 4 𓬻√“¬ÿ∑∏å ¢“«≈–‡Õ’¬¥ 5 𓬥𗬠≈“¿“«‘«—≤πå 6 𓬻√“¬ÿ∑∏‘Ï ™—¬ «— ¥‘Ï 7 𓬙π¡å摇™… μ—πμ‘°‘μμ‘¿‘≠‚≠

ª√–∏“π°√√¡°“√/ ª√–∏“π°√√¡°“√∫√‘À“√ °√√¡°“√∫√‘À“√/ °√√¡°“√ºŸâ®—¥°“√ °√√¡°“√∫√‘À“√/ √Õß°√√¡°“√ºŸâ®—¥°“√ ºŸâ®—¥°“√∑—Ë«‰ª À—«ÀπⓇ®â“Àπâ“∑’Ë∫—≠™’·≈–°“√‡ß‘π/ ‡≈¢“πÿ°“√§≥–°√√¡°“√ À—«ÀπⓇ®â“Àπâ“∑’Ë “√ π‡∑»/ √—°…“°“√À—«ÀπⓇ®â“Àπâ“∑’Ë∏ÿ√°“√ ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ªÕ“«ÿ‚ 

¢âÕ¡Ÿ≈§≥–°√√¡°“√·≈–ºŸâ∫√‘À“√ ¥√. Õ”π«¬ «’√«√√≥

μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫π— 2542 - ªí®®ÿ∫π— 2542 - ªí®®ÿ∫π—

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

μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫π— 2542 - ªí®®ÿ∫π— 2542 - ªí®®ÿ∫—π

°√√¡°“√∫√‘À“√/°√√¡°“√ºŸâ®—¥°“√ ª√‘≠≠“‚∑ ∫√‘À“√∏ÿ√°‘® University of Santa Clara U.S.A.

ª√–∏“π°√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ª√–∏“π°√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ª√–∏“π°√√¡°“√ / ª√–∏“π°√√¡°“√∫√‘À“√ ∫√‘…—∑ °√ÿ߇∑æ·°√π¥å·ª´‘øî§≈’  ®”°—¥ (¡À“™π) 2545 - ªí®®ÿ∫π— ª√–∏“π°√√¡°“√ ∫√‘…—∑  À¬Ÿ‡π’Ë¬π ®”°—¥ (¡À“™π) 2545 - ªí®®ÿ∫π— ª√–∏“π°√√¡°“√ ∫√‘…—∑ ¬Ÿ‡π’ˬπÕÿμ “À°√√¡ ‘Ëß∑Õ ®”°—¥ (¡À“™π) 2542 - ªí®®ÿ∫π— ª√–∏“π°√√¡°“√ ∫√‘…—∑ ªŸπ´’‡¡πμå‡Õ‡´’¬ ®”°—¥ (¡À“™π) ª√–∏“π°√√¡°“√ ∫√‘…—∑ ¬Ÿ‡π’ˬπ‡ÕÁπ‡πÕ√å¬’Ë ®”°—¥ 2540 - ªí®®ÿ∫π— °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 18/2548 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548 ‡æ‘Ë¡¢÷Èπ 462,800 Àÿâπ (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 925,600 Àÿâπ) 𓬂≈ ®ÿπ ≈Õß

°√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °√√¡°“√ / °√√¡°“√ºŸâ®—¥°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °√√¡°“√∫√‘À“√ / °√√¡°“√ºŸâ®—¥°“√ ∫√‘…—∑ °√ÿ߇∑æ·°√π¥å·ª´‘øî§≈’  ®”°—¥ (¡À“™π) °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 22/2547 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548 ‰¡à‡ª≈’ˬπ·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 180,050 Àÿâπ)

19


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𓬇∑’¬π∑«’ √–μ—πμ‘Ï

μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2549 - ªí®®ÿ∫π— 2547 - ªí®®ÿ∫π— 2547 - ªí®®ÿ∫π— 2542 - ªí®®ÿ∫π— 2535 - ªí®®ÿ∫π— 2535 - 2549 °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√

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

μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2549 - ªí®®ÿ∫π— 2549 - ªí®®ÿ∫π— 2549 - ªí®®ÿ∫π— 2549 - ªí®®ÿ∫π— 2544 - 2549 °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√

°√√¡°“√∫√‘À“√ ª√‘≠≠“‚∑ ∫√‘À“√∏ÿ√°‘® National Central University Taiwan R.O.C.

√Õß°√√¡°“√ºŸâ®—¥°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °√√¡°“√∫√‘À“√ ∫√‘…—∑ °√ÿ߇∑æ·°√π¥å·ª´‘øî§≈’  ®”°—¥ (¡À“™π) °√√¡°“√ ∫√‘…—∑ °√ÿ߇∑æ·°√π¥å·ª´‘øî§≈’  ®”°—¥ (¡À“™π) °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ºŸâ®—¥°“√∑—Ë«‰ª ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 22/2547 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2549 ‰¡à‡ª≈’ˬπ·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 189,400 Àÿâπ) 𓬇™π ¬‘ß Œÿ¬

°√√¡°“√ / °√√¡°“√∫√‘À“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °√√¡°“√ / °√√¡°“√∫√‘À“√ ∫√‘…—∑ °√ÿ߇∑æ·°√π¥å·ª´‘øî§≈’  ®”°—¥ (¡À“™π) ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ªÕ“«ÿ‚  ∫√‘…—∑ °√ÿ߇∑æ·°√π¥å·ª´‘øî§≈’  ®”°—¥ (¡À“™π) Executive Vice President ∫√‘…—∑ ‰™≈’  ‰ø·ππ´å ®”°—¥ Executive Vice President, Chailease Consumer Finance Co., Ltd. À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 57/2549 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548 ‰¡à¡’ π“¬Œ«ß ‡™ß À¡‘ß

μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫π— 2547 - ªí®®ÿ∫π— 2549 - ªí®®ÿ∫π— 2549 - ªí®®ÿ∫π— 2548 - ªí®®ÿ∫π— 2547 - ªí®®ÿ∫π— 2547 - ªí®®ÿ∫π— 2547 - ªí®®ÿ∫π— 2538 - 2546 °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548

20

°√√¡°“√ ª√‘≠≠“‚∑ °“√®—¥°“√ Massachusetts Institute of Technology (MIT) U.S.A. °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °√√¡°“√ ∫√‘…—∑ °√ÿ߇∑æ·°√π¥å·ª´‘øî§≈’  ®”°—¥ (¡À“™π) Chairman, Chailease International Leasing Co., Ltd. Non-executive Director, Responze TV International Ltd. °√√¡°“√ºŸâ®—¥°“√ ∫√‘…—∑ ‡Õ‡§ ‡ÕÁπ‡μÕ√å ‰æ√ å (ª√–‡∑»‰∑¬) ®”°—¥ Chairman, My-Funding Corporation Secretary General / CSO, Chailease Group Senior Executive Vice President, Chailease Finance Co., Ltd. Chairman / CEO, Otto-Chailease Mailorder Co.,Ltd. ‰¡à¡’ ‰¡à‡ª≈’ˬπ·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 231,400 Àÿâπ)


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π“¬Œ«ß À¡‘ß øŸ ≈“ÕÕ°®“°μ”·Àπàß ¡’º≈«—π∑’Ë 1 ¡’π“§¡ 2550

μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2545 - ªí®®ÿ∫π— 2545 - ªí®®ÿ∫π— 2545 - ªí®®ÿ∫π— 2537 - ªí®®ÿ∫π— °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548

𓬇©‘π ™‘™‘ß ‡¢â“√—∫μ”·Àπàß«—π∑’Ë 22 ¡’π“§¡ 2550

μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2550 - ªí®®ÿ∫π— 2550 - ªí®®ÿ∫π— 2547 - ªí®®ÿ∫π— 2546 - ªí®®ÿ∫π— 2546 - ªí®®ÿ∫π— 2545 - ªí®®ÿ∫π— 2545 - ªí®®ÿ∫π— 2543 - ªí®®ÿ∫π— 2543 - 2545 °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548

π“¬øß ≈Õß ‡™π

μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2542 - ªí®®ÿ∫π— 2542 - ªí®®ÿ∫π— 2545 - ªí®®ÿ∫π— 2543 - 2545 °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548

°√√¡°“√ ª√‘≠≠“μ√’ ∫√‘À“√∏ÿ√°‘® Soochow University Taiwan R.O.C. °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °√√¡°“√ ∫√‘…—∑ °√ÿ߇∑æ·°√π¥å·ª´‘øî§≈’  ®”°—¥ (¡À“™π) Chairman, Chailease Finance Co., Ltd. Chairman / President, Grand Pacific Investment & Development Co.,Ltd. ‰¡à¡’ ‰¡à‡ª≈’ˬπ·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 231,400 Àÿâπ) °√√¡°“√ ª√‘≠≠“‚∑ Master of Science, Sloan School of MIT U.S.A. °√√¡°“√ ¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °√√¡°“√ ¢Õß∫√‘…—∑ °√ÿ߇∑æ·°√π¥å·ª´‘øî§≈’  ®”°—¥ (¡À“™π) Director ¢Õß Grand Pacific Investment & Development Co., Ltd. Chief Financial Officer ¢Õß Chailease Finance Co., Ltd. Chief Financial Officer ¢Õß Chailease Group Director ¢Õß My-Funding Car Leasing Corporation Executive Director ¢Õß ABA Universal Corp Senior Executive Vice President ¢Õß My-Funding Corp Director ¢Õß Chailease Resources Trading Co., Ltd. ‰¡à¡’ ‰¡à¡’ °√√¡°“√ ª√‘≠≠“‚∑ °“√®—¥°“√ Massachusetts Institute of Technology (MIT) U.S.A. °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °√√¡°“√ ∫√‘…—∑ °√ÿ߇∑æ·°√π¥å·ª´‘øî§≈’  ®”°—¥ (¡À“™π) President ∫√‘…—∑ ‰™≈’  ‰ø·ππ´å ®”°—¥ President, Chailease Acom Finance Co.,Ltd. ‰¡à¡’ ‰¡à‡ª≈’ˬπ·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 231,400 Àÿâπ)

21


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𓬇®’¬ À¡‘ß À¬“ß

μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2548 - ªí®®ÿ∫π— 2548 - ªí®®ÿ∫π— 2548 - ªí®®ÿ∫π— 2547 - ªí®®ÿ∫π— 2546 - ªí®®ÿ∫π— 2543 - 2546 °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548 π“ߪؑ¡“ ™«≈‘μ

μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2542 - ªí®®ÿ∫π— 2536 - ªí®®ÿ∫π— 2548 - ªí®®ÿ∫π— 2544 - 2548 °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√

°√√¡°“√ ª√‘≠≠“‚∑ ∫√‘À“√∏ÿ√°‘® University of Missouri U.S.A. °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) °√√¡°“√ ∫√‘…—∑ °√ÿ߇∑æ·°√π¥å·ª´‘øî§≈’  ®”°—¥ (¡À“™π) Chief Financial Officer, Chailease International Finance Corporation Vice President, Finance & Administrative Dept., My-Funding Corporation Special Assistant to Chairman, Chailease Group Manager, Finance & Administrative Dept., My Funding Corporation ‰¡à¡’ ‰¡à¡’ °√√¡°“√ ª√‘≠≠“μ√’ ∑ƒ…Æ’∫—≠™’ ®ÿÓ≈ß°√≥å¡À“«‘∑¬“≈—¬

°√√¡°“√ ∫√‘…—∑ °√ÿ߇∑æ·°√π¥å·ª´‘øî§≈’ ®”°—¥ (¡À“™π) °√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) Senior Vice President ΩÉ“¬ºŸâ®—¥°“√„À≠à ∏𓧓√°√ÿ߇∑æ ®”°—¥ (¡À“™π) °√√¡°“√/ ºŸâ™à«¬°√√¡°“√ºŸâÕ”π«¬°“√ ∫√‘…—∑‡ß‘π∑ÿπ ∫—«À≈«ß ®”°—¥ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548 ≈¥≈ß 37,500 Àÿâπ (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 213,900 Àÿâπ) 𓬪√–¥‘…∞ »«— μπ“ππ∑å μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫π— 2548 - 2549 2547 - ªí®®ÿ∫π— 2546 - 2549 2544 - 2549 2543 - ªí®®ÿ∫π— °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√

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

ª√–∏“π°√√¡°“√μ√«® Õ∫/°√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ ∑’˪√÷°…“§≥–°√√¡“∏‘°“√°“√æ—≤𓇻√…∞°‘®  ¿“ºŸâ·∑π√“…Æ√ °√√¡°“√Õ‘ √– ∫√‘…—∑ ‰∑¬øî≈å¡ Õ‘π¥— ∑√’ ®”°—¥ (¡À“™π) °√√¡°“√ ∫√‘…—∑ »Ÿπ¬å√—∫Ω“°À≈—°∑√—æ¬å (ª√–‡∑»‰∑¬) ®”°—¥ π—°«‘™“°“√ §≥–°√√¡“∏‘°“√°“√‡ß‘π °“√§≈—ß °“√∏𓧓√œ  ¿“ºŸâ·∑π√“…Æ√ °√√¡°“√/°√√¡°“√μ√«® Õ∫ ∫√‘…—∑À≈—°∑√—æ¬å ‡§®’ ‰Õ ®”°—¥ (¡À“™π) À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 19/2547 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Directors Certification Program √ÿàπ∑’Ë 3/2543 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ Audit Committee √ÿàπ∑’Ë 3/2547 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ Improving the Quality of Financial Reporting √ÿàπ∑’Ë 4/2549 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√ Chief Financial Officer Certification Program √ÿàπ∑’Ë 1/2547 ®“° ¡“§¡π—°∫—≠™’·≈–ºŸâ Õ∫∫—≠™’√—∫Õπÿ≠“μ·Ààߪ√–‡∑»‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548 ‰¡à‡ª≈’ˬπ·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 60,000 Àÿâπ)

22


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π“¬Õπ—πμå »«— μπ“ππ∑å

μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥

°√√¡°“√μ√«® Õ∫ / °√√¡°“√Õ‘ √– Commerce Course The Institute of Foreign Languages Business Development & Management Course

ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫π— 2541 - ªí®®ÿ∫π— 2541 - ªí®®ÿ∫π— °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√

°√√¡°“√μ√«® Õ∫/°√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) Executive Vice Chairman, Shanghai Kinghill Co., Ltd. Pudong P.R.O.C. °√√¡°“√ºŸâ®—¥°“√, Star of Andaman Co. , Ltd. À≈—° Ÿμ√ Director Accreditation Program No. 38/2548 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548 ‰¡à‡ª≈’ˬπ·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 50,000 Àÿâπ) √.». ¥√.  ÿª√’¬“ §«√‡¥™–§ÿªμå

μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2549 - ªí®®ÿ∫π— 2529 - ªí®®ÿ∫π— 2547 - 2549 2543 - 2547 °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√

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

°√√¡°“√μ√«® Õ∫/°√√¡°“√Õ‘ √– ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) √Õß»“ μ√“®“√¬å ¿“§«‘™“‡»√…∞»“ μ√å §≥–‡»√…∞»“ μ√å ¡À“«‘∑¬“≈—¬‡°…μ√»“ μ√å ∑’˪√÷°…“ºŸâÕ”π«¬°“√ ”π—°ß“π‡»√…∞°‘®°“√§≈—ß  ”π—°ß“π‡»√…∞°‘®°“√§≈—ß §≥∫¥’§≥–‡»√…∞»“ μ√å ¡À“«‘∑¬“≈—¬‡°…μ√»“ μ√å À≈—° Ÿμ√ Director Accreditation Program √ÿàπ∑’Ë 56/2549 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548 ‰¡à‡ª≈’ˬπ·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 60,000 Àÿâπ) √«¡°“√∂◊ÕÀ≈—°∑√—æ¬å‚¥¬ºŸâ‡°’ˬ«¢âÕß π“¬»√“¬ÿ∑∏å ¢“«≈–‡Õ’¬¥

μ”·Àπàß §ÿ≥«ÿ≤°‘ “√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2549 - ªí®®ÿ∫π— 2537 - 2549 °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548 𓬥𗬠≈“¿“«‘«—≤πå

μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2547 - ªí®®ÿ∫π— 2546 - ªí®®ÿ∫π— 2546 - ªí®®ÿ∫π— 2545 - 2546

ºŸ®â ¥— °“√∑—«Ë ‰ª ª√‘≠≠“μ√’ °“√μ≈“¥ ¡À“«‘∑¬“≈—¬∏√√¡»“ μ√å ºŸâ®—¥°“√∑—Ë«‰ª ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ª ΩÉ“¬§«∫§ÿ¡ ‘π‡™◊ËÕ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘® ≈’ ´‘Ëß ®”°—¥ (¡À“™π) ‰¡à¡’ ‰¡à‡ª≈’ˬπ·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 126,800 Àÿâπ) À—«ÀπⓇ®â“Àπâ“∑’Ë∫—≠™’·≈–°“√‡ß‘π / ‡≈¢“πÿ°√√¡§≥–°√√¡°“√ ª√‘≠≠“‚∑ ∫√‘À“√∏ÿ√°‘® San Diego State University U.S.A.

‡≈¢“πÿ°“√§≥–°√√¡°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) À—«ÀπⓇ®â“Àπâ“∑’Ë∫—≠™’·≈–°“√‡ß‘π ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) À—«ÀπⓇ®â“Àπâ“∑’∫Ë ≠— ™’·≈–°“√‡ß‘π ∫√‘…∑— °√ÿ߇∑æ·°√π¥å·ª´‘ø§î ≈’  ®”°—¥ (¡À“™π) ºŸâ®—¥°“√Õ“«ÿ‚ ΩÉ“¬∫—≠™’·≈–°“√‡ß‘π ∫√‘…—∑ ∑ÿπ‡∑Á°´å ªî ‚μ√‡§¡’§Õ≈ (ª√–‡∑»‰∑¬) ®”°—¥ (¡À“™π) °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548 ‰¡à‡ª≈’ˬπ·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 89,080 Àÿâπ) 23


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𓬻√“¬ÿ∑∏å ™—¬ «— ¥‘Ï

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

À—«ÀπⓇ®â“Àπâ“∑’Ë “√ π‡∑» / √—°…“°“√À—«ÀπⓇ®â“Àπâ“∑’Ë∏ÿ√°“√ ª√‘≠≠“‚∑ «‘∑¬“»“ μ√å  ∂“∫—π∫—≥±‘μæ—≤π∫√‘À“√»“ μ√å

√—°…“°“√À—«ÀπⓇ®â“Àπâ“∑’Ë∏ÿ√°“√ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘® ≈’ ´‘Ëß ®”°—¥ (¡À“™π) À—«ÀπⓇ®â“Àπâ“∑’Ë “√ π‡∑» ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘® ≈’ ´‘Ëß ®”°—¥ (¡À“™π) À—«ÀπⓇ®â“Àπâ“∑’˪ؑ∫—μ‘°“√ ∫√‘…—∑ ‰Õ´’Õ’ §Õπ´—≈μ‘Èß ®”°—¥ À≈—° Ÿμ√ª√–°“»π’¬∫—μ√°√√¡°“√∫√‘…—∑‰∑¬ Director Certification Program √ÿàπ∑’Ë 48/2547 ®“° ¡“§¡ à߇ √‘¡ ∂“∫—π°√√¡°“√∫√‘…—∑‰∑¬ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548 ‰¡à‡ª≈’ˬπ·ª≈ß (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 55,000 Àÿâπ) 𓬙π¡å懑 ™∞ μ—πμ‘°μ‘ μ‘¿≠‘ ‚≠

μ”·Àπàß §ÿ≥«ÿ≤‘°“√»÷°…“ Ÿß ÿ¥ ª√– ∫°“√≥å∑”ß“π 2549 - ªí®®ÿ∫π— 2545 - 2549 °“√Õ∫√¡À≈—° Ÿμ√°√√¡°“√ ®”π«πÀÿâπ∑’Ë∂◊Õ ≥ 31 ∏—𫓧¡ 2549 ‡∑’¬∫°—∫ªï 2548

ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ªÕ“«ÿ‚ ª√‘≠≠“μ√’ ‡»√…∞»“ μ√å ¡À“«‘∑¬“≈—¬∏√√¡»“ μ√å ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ªÕ“«ÿ‚  ΩÉ“¬∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ºŸâ™à«¬ºŸâ®—¥°“√∑—Ë«‰ª ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ‰¡à¡’ ≈¥≈ß 4,500 Àÿâπ (¡’®”π«π§ß‡À≈◊Õ‡∑à“°—∫ 140,300 Àÿâπ)

°“√ √√À“§≥–°√√¡°“√·≈–ºŸâ∫√‘À“√ ∫√‘…—∑‰¡à¡’§≥–°√√¡°“√ √√À“‡æ◊ËÕ§—¥‡≈◊Õ°∫ÿ§§≈∑’Ë®–‡¢â“¥”√ßμ”·Àπà߇ªìπ°√√¡°“√·≈–ºŸâ∫√‘À“√ °“√§—¥‡≈◊Õ°„™â«‘∏’æ‘®“√≥“√à«¡°—π √–À«à“ߧ≥–°√√¡°“√∫√‘…—∑·≈–§≥–°√√¡°“√μ√«® Õ∫ ‚¥¬∫ÿ§§≈∑’Ë®–‡¢â“¡“¥”√ßμ”·Àπàß°√√¡°“√À√◊ÕºŸâ∫√‘À“√¢Õß∫√‘…—∑μâÕ߇ªìπºŸâ∑’ˉ¡à¡’ ≈—°…≥–μâÕßÀâ“¡μ“¡°ÆÀ¡“¬ ·≈–°“√§—¥‡≈◊Õ°°√√¡°“√®–æ‘®“√≥“μ“¡∑’Ë “√– ”§—≠¢ÕߢâÕ∫—ߧ—∫¢Õß∫√‘…—∑‰¥â°”À𥉫â ∑—Èßπ’È∑’˪√–™ÿ¡ºŸâ∂◊ÕÀÿâπ‡ªìπ ºŸâÕπÿ¡—μ‘°“√·μàßμ—Èß·≈–°”Àπ¥§à“μÕ∫·∑π¢Õߧ≥–°√√¡°“√ ·≈–§≥–°√√¡°“√∫√‘À“√‡ªìπºŸâÕπÿ¡—μ‘°“√·μàßμ—Èß·≈–°”Àπ¥§à“μÕ∫·∑πºŸâ∫√‘À“√ §à“μÕ∫·∑π°√√¡°“√ °√√¡°“√∫√‘À“√ ·≈–ºŸâ∫√‘À“√ §à“μÕ∫·∑π∑’ˇªìπμ—«‡ß‘π 1. §à“μÕ∫·∑π°√√√¡°“√ „πªï 2549 §à“μÕ∫·∑π°√√¡°“√¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ª√–°Õ∫¥â«¬ §à“‡∫’Ȭª√–™ÿ¡´÷Ë߉¥â√—∫Õπÿ¡—μ‘®“°∑’˪√–™ÿ¡ºŸâ∂◊ÕÀÿâπ ¥—ßπ’È ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– §à“μÕ∫·∑πª√–®” 30,000 ∫“∑μàÕ‡¥◊Õπ °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– §à“μÕ∫·∑πª√–®” 20,000 ∫“∑μàÕ‡¥◊Õπ ª√–∏“π°√√¡°“√/ °√√¡°“√∫√‘À“√ §à“μÕ∫·∑πª√–®” 10,000 ∫“∑μàÕ‡¥◊Õπ °√√¡°“√∑’Ë ‰¡à‡ªìπºŸâ∫√‘À“√ §à“μÕ∫·∑πª√–®” 10,000 ∫“∑μàÕ‡¥◊Õπ

24


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§à“μÕ∫·∑π°√√¡°“√ª√–®”ªï 2549 ™◊ÕË μ”·Àπàß ¥√. Õ”π«¬ «’√«√√≥ ª√–∏“π°√√¡°“√/ ª√–∏“π°√√¡°“√∫√‘À“√ 𓬂≈ ®ÿπ ≈Õß °√√¡°“√∫√‘À“√/ °√√¡°“√ºŸâ®—¥°“√ 𓬇∑’¬π∑«’ √–μ—πμ‘Ï °√√¡°“√∫√‘À“√/ √Õß°√√¡°“√ºŸâ®—¥°“√ π“¬∂—ß ‰≈à À«—ß (≈“ÕÕ°) °√√¡°“√∫√‘À“√/ √Õß°√√¡°“√ºŸâ®—¥°“√ 𓬇™π ¬‘ß Œÿ¬ (‡¢â“„À¡à) °√√¡°“√∫√‘À“√ π“¬Œ«ß ‡™ß À¡‘ß °√√¡°“√ π“¬Œ«ß À¡‘ß øŸ °√√¡°“√ π“¬øß ≈Õß ‡™π °√√¡°“√ 𓬇®’¬ À¡‘ß À¬“ß °√√¡°“√ π“ߪؑ¡“ ™«≈‘μ °√√¡°“√ 𓬪√–¥‘…∞ »«— μπ“ππ∑å ª√–∏“π°√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– π“¬Õπ—πμå »«— μπ“ππ∑å °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– æ≈μ”√«®‚∑æ‘™‘μ §«√‡¥™–§ÿªμå (≈“ÕÕ°) °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– √». ¥√.  ÿª√’¬“ §«√‡¥™–§ÿªμå (‡¢â“„À¡à) °√√¡°“√μ√«® Õ∫/ °√√¡°“√Õ‘ √– √«¡ 2.

∫“∑ 120,000 120,000 120,000 20,000 100, 000 120,000 120,000 120,000 120,000 120,000 360,000 240,000 80,000 160,000 1,920,000

§à“μÕ∫·∑πºŸâ∫√‘À“√ „πªï 2549 §à“μÕ∫·∑πºŸâ∫√‘À“√¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ®”π«π√«¡ 8 ∑à“π ª√–°Õ∫¥â«¬ ‡ß‘π‡¥◊Õπ ‚∫π— ‡ß‘π ¡∑∫°Õß∑ÿπ  ”√Õ߇≈’Ȭߙ’æ ‡ß‘πª√–°—π —ߧ¡ ·≈–º≈μÕ∫·∑πÕ◊ËπÊ ‚¥¬ “¡“√∂®”·π°‡ªìπ ‡ß‘π‡¥◊Õπ·≈–‚∫π—  ®”π«π 27.46 ≈â“π∫“∑ ·≈–‡ß‘π  ¡∑∫°Õß∑ÿπ ”√Õ߇≈’Ȭߙ’æ ‡ß‘πª√–°—π —ߧ¡ √«¡∑—Èߺ≈μÕ∫·∑πÕ◊Ëπ ®”π«π 0.80 ≈â“π∫“∑ √«¡§à“μÕ∫·∑π°√√¡°“√∫√‘À“√·≈– ºŸâ∫√‘À“√∑’ˇªìπμ—«‡ß‘π√«¡ 28.26 ≈â“π∫“∑ §à“μÕ∫·∑πÕ◊Ëπ -‰¡à¡’-

°“√∂◊Õ§√ÕßÀ≈—°∑√—æ¬å¢Õß°√√¡°“√·≈–ºŸâ∫√‘À“√ ™◊ÕË Àÿâπ “¡—≠ (Àÿâπ) ≥  ‘Èπªï 2549 ≥  ‘Èπªï 2548 ‡ª≈’ˬπ·ª≈ß °√√¡°“√ ¥√. Õ”π«¬ «’√«√√≥ 925,600 462,800 462,800 𓬂≈ ®ÿπ ≈Õß 180,050 180,050 𓬇∑’¬π∑«’  √–μ—πμ‘Ï 189,400 189,400 𓬇™π ¬‘ß Œÿ¬ π“¬Œ«ß ‡™ß À¡‘ß 231,400 231,400 π“¬Œ«ß À¡‘ß øŸ 231,400 231,400 ºŸâ∫√‘À“√ 𓬻√“¬ÿ∑∏å ¢“«≈–‡Õ’¬¥** 126,800 126,800 𓬥𗬠≈“¿“«‘«—≤πå 89,080 89,080 -

Àÿâπ “¡—≠ (Àÿâπ) ≥  ‘Èπªï 2549 ≥  ‘Èπªï 2548 ‡ª≈’ˬπ·ª≈ß °√√¡°“√ π“¬øß ≈Õß ‡™π 𓬇®’¬ À¡‘ß À¬“ß π“ߪؑ¡“ ™«≈‘μ 𓬪√–¥‘…∞ »«— μπ“ππ∑å π“¬Õπ—πμå »«— μπ“ππ∑å √». ¥√.  ÿª√’¬“ §«√‡¥™“§ÿªμå* ºŸâ∫√‘À“√ 𓬻√“¬ÿ∑∏å ™—¬ «— ¥‘Ï π“¬™π¡å摇™… μ—πμ‘°‘μμ‘¿‘≠‚≠**

231,400 213,900 60,000 50,000 60,000

231,400 251,400 60,000 50,000 60,000

(37,500) -

55,000 140,300

55,000 144,800

(4,500)

* √«¡°“√∂◊ÕÀ≈—°∑√—æ¬å ‚¥¬ºŸâ‡°’ˬ«¢âÕß ** ¥”√ßμ”·ÀπàߺŸâ∫√‘À“√ ‡¡◊ËÕ«—π∑’Ë 1 ‡¡…“¬π 2549

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À≈—°°“√°”°—∫°‘®°“√∑’Ë¥’ °“√°”°—∫¥Ÿ·≈°‘®°“√ ∫√‘…—∑‰¥â°”Àπ¥π‚¬∫“¬°“√¥”‡π‘πß“π∑’ˇ°’ˬ«¢âÕß°—∫√–∫∫°“√°”°—∫¥Ÿ·≈°‘®°“√¢ÕßΩÉ“¬∫√‘À“√ ‡æ◊ËÕ„Àâ°“√∫√‘À“√ß“π¢Õß∫√‘…—∑‡ªìπ‰ª Õ¬à“ß¡’ª√– ‘∑∏‘¿“æ¡“°∑’Ë ÿ¥ ‚¥¬∑’˧≥–°√√¡°“√∫√‘…—∑¡’π‚¬∫“¬°“√ªØ‘∫—μ‘μ“¡¢âÕæ÷ߪؑ∫—μ‘∑’Ë¥’ (Code of Best Practice)  ”À√—∫°“√‡ªìπ °√√¡°“√∫√‘…—∑®¥∑–‡∫’¬π ‡æ◊ËÕ„À⇪ìπ‰ªμ“¡·π«∑“ߢÕßμ≈“¥À≈—°∑√—æ¬å·Ààߪ√–‡∑»‰∑¬ √«¡∑—È߇ªìπ°“√‡ √‘¡ √â“ߧ«“¡‚ª√àß„ ·≈– ª√– ‘∑∏‘¿“æ¢Õß°“√∫√‘À“√Õ—π®–𔉪 Ÿà°“√ √â“ߧ«“¡‡™◊ËÕ¡—Ëπ„À⇰‘¥¢÷Èπ·°àºŸâ∂◊ÕÀÿâπ ºŸâ≈ß∑ÿπ ·≈–ºŸâ∑’ˇ°’ˬ«¢âÕß∑ÿ°ΩÉ“¬‰¥â ∑—Èßπ’È ∫√‘…—∑‰¥â°”Àπ¥°“√ °”°—∫¥Ÿ·≈°‘®°“√∑’Ë¥’¥—ßμàÕ‰ªπ’È 1) π‚¬∫“¬‡°’ˬ«°—∫°“√°”°—∫¥Ÿ·≈°‘®°“√ §≥–°√√¡°“√¢Õß∫√‘…—∑μ√–Àπ—°∂÷ߧ«“¡ ”§—≠¢Õß°“√°”°—∫¥Ÿ·≈°‘®°“√∑’Ë¥’ ‚¥¬¡’π‚¬∫“¬„π°“√∫√‘À“√®—¥°“√∏ÿ√°‘®Õ¬à“ß¡’ ª√– ‘∑∏‘¿“æ·≈–¡’§«“¡‡ªìπ∏√√¡μàÕºŸâ¡’ à«π‰¥â‡ ’¬·≈–ºŸâ∑’ˇ°’ˬ«¢âÕß∑ÿ°ΩÉ“¬ ∑—Èßπ’È ‡æ◊ËÕ‡ √‘¡ √â“ߪ√– ‘∑∏‘¿“æ¢ÕßΩÉ“¬®—¥°“√ ·≈–‡æ◊ËÕ°“√ ¥”‡π‘π∏ÿ√°‘®„Àâ¡’°“√‡®√‘≠‡μ‘∫‚μ¿“¬„μ⧫“¡‚ª√àß„ ·≈–®√‘¬∏√√¡∑“ß∏ÿ√°‘®∑’Ë¥’Õ—π®–™à«¬‡æ‘Ë¡¢’¥§«“¡ “¡“√∂„π°“√·¢àߢ—π¢Õß∫√‘…—∑ ·≈– √â“ߧ«“¡‡™◊ËÕ¡—Ëπμ≈Õ¥®πª√–‚¬™πå „π√–¬–¬“«„À⇰‘¥·°àºŸâ∂◊ÕÀÿâπ ºŸâ≈ß∑ÿπ ·≈–ºŸâ∑’ˇ°’ˬ«¢âÕß∑ÿ°ΩÉ“¬ πÕ°®“°π’Ȭ—ß°”Àπ¥π‚¬∫“¬„π ‡√◊ËÕßÀ≈—°°“√·≈–·π«∑“ߪؑ∫—μ‘ „π°“√°”°—∫¥Ÿ·≈°‘®°“√∑’Ë¥’¢Õß∫√‘…—∑ ´÷Ëߧ√Õ∫§≈ÿ¡∂÷ß°“√°”Àπ¥ ‘∑∏‘·≈–§«“¡‡∑à“‡∑’¬¡°—π¢ÕߺŸâ∂◊ÕÀÿâπ ·≈–ºŸâ¡’ à«π‰¥â‡ ’¬ °“√°”À𥂧√ß √â“ß ∫∑∫“∑ Àπâ“∑’Ë §«“¡√—∫º‘¥™Õ∫ ·≈–§«“¡‡ªìπÕ‘ √–¢Õߧ≥–°√√¡°“√ °“√‡ªî¥‡º¬¢âÕ¡Ÿ≈ Ÿà  “∏“√≥–™πÕ¬à“ß∂Ÿ°μâÕß·≈– ¡Ë”‡ ¡Õ °“√§«∫§ÿ¡·≈–∫√‘À“√§«“¡‡ ’Ë¬ß ·≈–°“√ à߇ √‘¡°“√¥”‡π‘π∏ÿ√°‘®Õ¬à“ß¡’®√‘¬∏√√¡

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12)

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√“¬≈–‡Õ’¬¥√“¬°“√√–À«à“ß°—π ‚¥¬¡μ‘§≥–°√√¡°“√§√—Èß∑’Ë 2/2550 ‡¡◊ËÕ«—π∑’Ë 28 °ÿ¡¿“æ—π∏å 2550 ¡’§≥–°√√¡°“√μ√«® Õ∫´÷Ë߇ªìπ°√√¡°“√Õ‘ √–‡¢â“√à«¡ª√–™ÿ¡ ‡æ◊ËÕ Õ∫∑“π√“¬°“√√–À«à“ß°—π ”À√—∫ß«¥ ‘Èπ ÿ¥ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2548 ·≈– ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ‰¥â „À⧫“¡‡ÀÁπ«à“°“√∑” √“¬°“√√–À«à“ß°—π‡ªì𧫓¡®”‡ªìπ„π°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª ‡ß◊ËÕπ‰¢μà“ßÊ ¢Õß√“¬°“√√–À«à“ß°—π°—∫∫ÿ§§≈∑’ËÕ“®¡’§«“¡¢—¥·¬âß„π™à«ß√–¬–‡«≈“ ¥—ß°≈à“«‡ªìπ‰ªμ“¡√“§“μ≈“¥ √“§“μ“¡ —≠≠“·≈–√“§“∑’Ëμ°≈ß°—π ´÷Ëß¡’§«“¡ ¡‡Àμÿ ¡º≈·≈–‡ªìπ‰ªμ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª ‚¥¬¡’ √“¬≈–‡Õ’¬¥¥—ßμàÕ‰ªπ’È

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¡Ÿ≈§à“√“¬°“√√–À«à“ß°—π ”À√—∫ß«¥ ‘Èπ ÿ¥ (æ—π∫“∑) 31 ∏.§. 2549 31 ∏.§. 2548

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

1. ∏𓧓√°√ÿ߇∑æ ®”°—¥ (¡À“™π)/ ‡ß‘πΩ“°∏𓧓√ª√–‡¿∑ÕÕ¡∑√—æ¬å - §≥–°√√¡°“√μ√«® Õ∫ ·≈–/À√◊Õ - ∂◊ÕÀÿâπ√âÕ¬≈– 7.35 „π∫√‘…—∑ °√–· √“¬«—π ‡ß‘π‡∫‘°‡°‘π∫—≠™’ °√√¡°“√Õ‘ √– ‰¥â Õ∫∑“π·≈–æ‘®“√≥“ ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ ‡ß‘π°Ÿâ¬◊¡√–¬–¬“« √“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ«à“ §‘¥Õ—μ√“¥Õ°‡∫’È¬μ“¡Õ—μ√“μ≈“¥ ¡’§«“¡ ·≈–§à“∏√√¡‡π’¬¡Õ“«—≈¢Õß∫√‘…—∑·≈– ∫√‘…—∑¬àÕ¬‡æ◊ËÕ‡ªìπ‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π  ¡‡Àμÿ ¡º≈·≈–‡ªìπ‰ªμ“¡°“√ ·≈–‡æ◊ËÕ¢¬“¬°“√ª√–°Õ∫∏ÿ√°‘® ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª 1. ‡ß‘πΩ“°ÕÕ¡∑√—æ¬å·≈–°√–· √“¬«—π 47,382.73 18,648.08 2. ‡ß‘π‡∫‘°‡°‘π∫—≠™’ 89,439.44 57,800.90 3. ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ 1,525,000.00 2,990,000.00 4. ‡ß‘π°Ÿ¬â ¡◊ √–¬–¬“« 1,000,000.00 1,000,000.00 5. ¥Õ°‡∫’¬È §â“ß®à“¬ 4,657.80 4,218.86 6. ¥Õ°‡∫’Ȭ®à“¬ 178,611.44 106,825.59 7. §à“∏√√¡‡π’¬¡Õ“«—≈ 904.93 586.04 8. §à“∏√√¡‡π’¬¡Õ“«—≈®à“¬≈à«ßÀπâ“ 246.57 246.57 2. ∫√‘…—∑ °√ÿ߇∑æª√–°—π¿—¬ ®”°—¥ ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ¢Õß∫√‘…—∑¬àÕ¬‡æ◊ËÕ„™â - §≥–°√√¡°“√μ√«® Õ∫ ·≈–/À√◊Õ (¡À“™π)/ ‡ªìπ‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π‚¥¬§‘¥¥Õ°‡∫’Ȭ °√√¡°“√Õ‘ √– ‰¥â Õ∫∑“π·≈–æ‘®“√≥“ - ∂◊ÕÀÿâπ√âÕ¬≈– 0.96 „π∫√‘…—∑ μ“¡Õ—μ√“μ≈“¥ √“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ«à“§‘¥ Õ—μ√“¥Õ°‡∫’È¬μ“¡Õ—μ√“μ≈“¥ ¡’ 1. ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ 60,000.00 60,000.00 §«“¡ ¡‡Àμÿ ¡º≈·≈–‡ªìπ‰ªμ“¡ 2. ¥Õ°‡∫’Ȭ®à“¬ 2,446.36 907.40 °“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª 3. 𓬮“μÿæ—≤πå §ÿªμ«≥‘™°ÿ≈ À√◊Õ ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ ‡ß‘π°Ÿâ¬◊¡√–¬–¬“« - §≥–°√√¡°“√μ√«® Õ∫ ·≈–/À√◊Õ Mr. Jeffrey L.S. Koo ¥Õ°‡∫’Ȭ§â“ß®à“¬ ·≈–¥Õ°‡∫’Ȭ®à“¬¢Õß °√√¡°“√Õ‘ √– ‰¥â Õ∫∑“π·≈–æ‘®“√≥“ (∫ÿ§§≈Õ◊Ëπ∑’ˇ°’ˬ«¢âÕß)/ ∫√‘…—∑¬àÕ¬ ‚¥¬§‘¥¥Õ°‡∫’È¬μ“¡ √“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ«à“ - ‡ªìπºŸâ°àÕμ—Èß∏ÿ√°‘®¢Õß°≈ÿà¡∏ÿ√°‘® Õ—μ√“μ≈“¥ §‘¥Õ—μ√“¥Õ°‡∫’È¬μ“¡Õ—μ√“μ≈“¥ μ√–°Ÿ≈§Ÿ ¡’§«“¡ ¡‡Àμÿ ¡º≈·≈–‡ªìπ‰ªμ“¡ 1. ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ - °“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª 2. ‡ß‘π°Ÿ¬â ¡◊ √–¬–¬“« 70,000.00 70,000.00 3. ¥Õ°‡∫’¬È §â“ß®à“¬ 244.94 244.94 4. ¥Õ°‡∫’Ȭ®à“¬ 2,884.00 2,884.00

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∫ÿ§§≈∑’ËÕ“®¡’§«“¡¢—¥·¬âß/ ≈—°…≥–§«“¡ —¡æ—π∏å

≈—°…≥–√“¬°“√

4. China Trust Commercial Bank/ - ∫√‘…—∑∑’ˇ°’ˬ«¢âÕß°—∫ºŸâ∂◊ÕÀÿâπ„À≠à ¢Õß∫√‘…—∑ (∫√‘…—∑ ‰™≈’ ‰ø·ππ´å ®”°—¥ ·≈– ∫√‘…—∑ ‡Õ‡§ ‡ÕÁπ‡μÕ√å ‰æ√å  (ª√–‡∑»‰∑¬) ®”°—¥) - °√√¡°“√¢Õß China Trust Commercial Bank §◊Õ π“¬§Ÿ ®ÕÀåπ ‡≈’Ë¬π ‡ªìπæ’Ë™“¬ ¢Õß𓬧Ÿ ®ÕÀåπ ≈’ ´÷Ë߇§¬‡ªìπ °√√¡°“√∫√‘…—∑ ·≈–‰¥â≈“ÕÕ° ®“°°“√‡ªìπ°√√¡°“√¢Õß∫√‘…—∑ μ—Èß·μà ‡¥◊Õπ¡’π“§¡ 2548

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ¢Õß∫√‘…—∑·≈– ∫√‘…—∑¬àÕ¬ ‡æ◊ËÕ„™â‡ªìπ‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π „π«ß‡ß‘π ‘π‡™◊ËÕ√«¡ 40 ≈â“π‡À√’¬≠  À√—∞Õ‡¡√‘°“ ‚¥¬ “¡“√∂‡≈◊Õ°∑’Ë®– °Ÿâ¬◊¡‚¥¬μ√ß À√◊Õ‡∫‘°„™â ‘π‡™◊ËÕ„π√Ÿª Standby Letter of Credit ‡æ◊ËÕ𔉪 §È”ª√–°—π°“√°Ÿâ¬◊¡‡ß‘π®“° ∂“∫—π °“√‡ß‘πÕ◊Ëπ

1. ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ 2. ¥Õ°‡∫’¬È §â“ß®à“¬ 3. ¥Õ°‡∫’Ȭ®à“¬ 4. §à“∏√√¡‡π’¬¡ Standby L/C 5. §à“∏√√¡‡π’¬¡ Standby L/C ®à“¬≈à«ßÀπâ“ 5. °Õß∑ÿπ‡ªî¥ ·Õ ‡´∑ æ≈—  ∫√‘…—∑ÕÕ°μ—Ϋ‡ß‘π√–¬– —ÈπÕ“¬ÿ‰¡à‡°‘π  ∂“∫—πªíπº≈ °Õß∑ÿπ‡ªî¥ 3 ‡¥◊Õπ‡æ◊ËÕ°Ÿâ¬◊¡‡ß‘π√–¬– —Èπ„™â‡ªìπ ·Õ ‡´∑ æ≈—  ∑«’‡ß‘πÕÕ¡ 1, 2 ‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π¢Õß∫√‘…—∑ ‚¥¬§‘¥ ·≈– °Õß∑ÿπ‡ªî¥·Õ ‡´∑ æ≈—  ¥Õ°‡∫’È¬μ“¡Õ—μ√“μ≈“¥ Õπ—πμ∑√—æ¬å - ∫√‘À“√®—¥°“√‚¥¬∫√‘…∑— 1. ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ À≈—°∑√—æ¬å®—¥°“√°Õß∑ÿπ 2. ¥Õ°‡∫’Ȭ®à“¬≈à«ßÀπâ“ ·Õ ‡´∑ æ≈—  ®”°—¥ ´÷Ë߇ªìπ 3. ¥Õ°‡∫’Ȭ®à“¬ ∫√‘…—∑¬àÕ¬¢Õß∫√‘…—∑À≈—°∑√—æ¬å ‡Õ‡´’¬ æ≈—  ®”°—¥ (¡À“™π) ‚¥¬∫√‘…—∑À≈—°∑√—æ¬å ‡Õ‡´’¬ æ≈—  ®”°—¥ (¡À“™π) ‡ªìπ ºŸâ∂◊ÕÀÿâπ·≈–‡ªìπ∫√‘…—∑∑’ˇ°’ˬ« ¢âÕß°—∫ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑

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¡Ÿ≈§à“√“¬°“√√–À«à“ß°—π ”À√—∫ß«¥ ‘Èπ ÿ¥ (æ—π∫“∑) 31 ∏.§. 2549 31 ∏.§. 2548

‡Àμÿº≈ §«“¡®”‡ªìπ¢Õß°“√ ∑”√“¬°“√√–À«à“ß°—π / À¡“¬‡Àμÿ - §≥–°√√¡°“√μ√«® Õ∫ ·≈–/À√◊Õ °√√¡°“√Õ‘ √– ‰¥â Õ∫∑“π·≈–æ‘®“√≥“ √“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ«à“ §‘¥¥Õ°‡∫’È¬μ“¡Õ—μ√“μ≈“¥ ·≈– §à“∏√√¡‡π’¬¡¡’§«“¡ ¡‡Àμÿ ¡º≈ ·≈–‡ªìπ‰ªμ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª

5,046.14 8,749.18

17,472.45

1,108.67

948.61

1,227.43

§≥–°√√¡°“√μ√«® Õ∫ ·≈–/À√◊Õ °√√¡°“√Õ‘ √– ‰¥â Õ∫∑“π·≈–æ‘®“√≥“ √“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ«à“ §‘¥Õ—μ√“¥Õ°‡∫’È¬μ“¡Õ—μ√“μ≈“¥ ¡’§«“¡  ¡‡Àμÿ ¡º≈·≈–‡ªìπ‰ªμ“¡°“√ª√–°Õ∫ 190,000.00 ∏ÿ√°‘®∑—Ë«‰ª 1,227.43 3,390.89


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6. π“¬Õÿ¥¡»—°¥‘Ï ™“§√’¬«≥‘™¬å - ‡ªìπ°√√¡°“√ºŸâ¡’Õ”π“®≈ßπ“¡ ·≈–ºŸâ∫√‘À“√¢Õß∫√‘…—∑ À≈—°∑√—æ¬å ‡Õ‡´’¬ æ≈— ®”°—¥ (¡À“™π) ´÷Ë߇ªìπºŸâ∂◊ÕÀÿâπ·≈– ‡ªìπ∫√‘…—∑∑’ˇ°’ˬ«¢âÕß°—∫ºŸâ∂◊Õ Àÿâπ„À≠à¢Õß∫√‘…—∑

∫√‘…—∑ÕÕ°μ—Ϋ‡ß‘π√–¬– —ÈπÕ“¬ÿ‰¡à‡°‘π 3 ‡¥◊Õπ‡æ◊ËÕ°Ÿâ¬◊¡‡ß‘π√–¬– —Èπ„™â‡ªìπ ‡ß‘π∑ÿπÀ¡ÿπ‡«’¬π¢Õß∫√‘…—∑ ‚¥¬§‘¥ ¥Õ°‡∫’È¬μ“¡Õ—μ√“μ≈“¥ 1. ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ 2. ¥Õ°‡∫’¬È §â“ß®à“¬ 3. ¥Õ°‡∫’Ȭ®à“¬  ‘π∑√—æ¬å™”√–≈à«ßÀπâ“ ·≈–¿“√–ºŸ°æ—π ¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬®“°°“√«à“®â“ß æ—≤π“√–∫∫§Õ¡æ‘«‡μÕ√å´Õø·«√å¡Ÿ≈§à“ 615,385 ¥Õ≈≈“√å À√—∞ (ª√–¡“≥ 22.30 ≈â“π∫“∑) ‚¥¬‡ªìπ¢Õß∫√‘…—∑ 492,308 ‡À√’¬≠¥Õ≈≈“√å À√—∞ (ª√–¡“≥ 17.84 ≈â“π∫“∑) ·≈– ∫√‘…—∑¬àÕ¬ 123,077 ‡À√’¬≠ ¥Õ≈≈“√å À√—∞ (ª√–¡“≥ 4.46 ≈â“π∫“∑)

7. My Funding Corporation/ - ‡ªìπ∫√‘…—∑∑’Ë¡’ºŸâ∂◊ÕÀÿâπ„À≠à·≈– ¡’°√√¡°“√√à«¡°—π ¥—ßπ’È ºŸâ∂◊ÕÀÿâπ„À≠à√à«¡°—π ‰¥â·°à ∫√‘…—∑ ‰™≈’ ‰ø·ππ´å ®”°—¥ ´÷Ëß¡’ —¥ à«π°“√∂◊ÕÀÿâπ„π My Funding Corporation §‘¥‡ªìπ√âÕ¬≈– 100 °√√¡°“√√à«¡°—π ‰¥â·°à 𓬧Ÿ ®ÕÀåπ ≈’ ·≈–π“¬Œ«ß ‡™ß À¡‘ß (𓬧Ÿ ®ÕÀåπ ≈’ ‰¥â≈“ÕÕ° ‡¡◊ËÕ‡¥◊Õπ¡’π“§¡ 2548) 1.  ‘π∑√—æ¬å™”√–≈à«ßÀπâ“ 2. ¿“√–ºŸ°æ—π 8. ∫√‘…—∑ ‰™≈’  ‰ø·ππ´å ®”°—¥/ √“¬®à“¬§à“∑’˪√÷°…“®“°°“√„Àâ∫√‘°“√ - ‡ªìπºŸâ∂◊ÕÀÿâπ√“¬„À≠à „π∫√‘…—∑ μ√«® Õ∫¿“¬„π °“√®—¥À“·À≈àß ∂◊ÕÀÿâπ√âÕ¬≈– 37.43 ‡ß‘π∑ÿπ·≈–°“√∫√‘À“√ß“π¢Õß∫√‘…—∑ ·≈–∫√‘…—∑¬àÕ¬ √«¡∑—Èߧà“∏√√¡‡π’¬¡ °“√§È”ª√–°—π‡ß‘π°Ÿâ´÷Ëß∫√‘…—∑°Ÿâ¬◊¡®“°  ∂“∫—π°“√‡ß‘πÕ◊Ëπ

1. √“¬®à“¬§à“∑’˪√÷°…“·≈–∫√‘À“√ß“π 2. §à“∏√√¡‡π’¬¡°“√§È”ª√–°—π‡ß‘π°Ÿâ 3. §à“∏√√¡‡π’¬¡°“√§È”ª√–°—π‡ß‘π°Ÿâ §â“ß®à“¬

¡Ÿ≈§à“√“¬°“√√–À«à“ß°—π ”À√—∫ß«¥ ‘Èπ ÿ¥ (æ—π∫“∑) 31 ∏.§. 2549 31 ∏.§. 2548

1,121.03

17,712.30 6,688.77

5,285.38 5,285.38

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

§≥–°√√¡°“√μ√«® Õ∫ ·≈–/À√◊Õ °√√¡°“√Õ‘ √– ‰¥â Õ∫∑“π·≈–æ‘®“√≥“ √“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ«à“ §‘¥Õ—μ√“¥Õ°‡∫’È¬μ“¡Õ—μ√“μ≈“¥ ¡’§«“¡  ¡‡Àμÿ ¡º≈·≈–‡ªìπ‰ªμ“¡°“√ª√–°Õ∫ 45,000.00 ∏ÿ√°‘®∑—Ë«‰ª 5.68 1,035.47 - §≥–°√√¡°“√μ√«® Õ∫ ·≈–/À√◊Õ °√√¡°“√Õ‘ √– ‰¥â Õ∫∑“π·≈–æ‘®“√≥“ √“¬°“√¥—ß°≈à“«·≈â«¡’§«“¡‡ÀÁπ«à“¡’ ¡Ÿ≈§à“´÷Ë߇ªìπ‰ªμ“¡ —≠≠“∑’Ëμ°≈ß°—π ¡’§«“¡ ¡‡Àμÿ ¡º≈ ·≈–‡ªìπ‰ªμ“¡ °“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª

17,712.30 7,601.47 - §≥–°√√¡°“√μ√«® Õ∫ ·≈–/À√◊Õ °√√¡°“√Õ‘ √– ‰¥â Õ∫∑“π·≈–æ‘®“√≥“ √“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ«à“ ¡’¡Ÿ≈§à“‡ªìπ‰ªμ“¡√“§“μ≈“¥·≈– ‡ª√’¬∫‡∑’¬∫‰¥â°—∫¢π“¥¢Õß ‘π∑√—æ¬å ·≈–∫√‘°“√Õâ“ßÕ‘ß„π°≈ÿà¡∫√‘…—∑ ¡’§«“¡  ¡‡Àμÿ ¡º≈·≈–‡ªìπ‰ªμ“¡°“√ 3,529.41 ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª 765.59 765.59

35


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∫ÿ§§≈∑’ËÕ“®¡’§«“¡¢—¥·¬âß/ ≈—°…≥–§«“¡ —¡æ—π∏å 9. °Õß∑ÿπ∫√‘À“√ ‘π∑√—æ¬å “∏√ ´‘μ∑’È “«‡«Õ√å/ - ‡ªìπ°Õß∑ÿπ∑’ˇ°’ˬ«¢âÕß°—∫ ∫®°.´‘μ’ȇ√’¬≈μ’È ´÷Ëß ∫®°.´‘μ’ȇ√’¬≈μ’È ‡°’ˬ«¢âÕß°—∫ ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑ §◊Õ ∏𓧓√°√ÿ߇∑æ ®”°—¥ (¡À“™π) 10. °Õß∑ÿπ√«¡∫“ß°Õ°°“√凥π∑å/ - ‡ªìπ°Õß∑ÿπ∑’ˇ°’ˬ«¢âÕß°—∫ ∫®°.´‘μ’ȇ√’¬≈μ’È ´÷Ëß ∫®°.´‘μ’ȇ√’¬≈μ’È ‡°’ˬ«¢âÕß°—∫ ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑ §◊Õ ∏𓧓√°√ÿ߇∑æ ®”°—¥ (¡À“™π) 11. Chailease Credit Service Co.,Ltd./ - ‡ªìπ∫√‘…—∑∑’Ë¡’ºŸâ∂◊ÕÀÿâπ„À≠à √à«¡°—π ‰¥â·°à ∫√‘…—∑ ‰™≈’  ‰ø·ππ´å ®”°—¥ ´÷Ëß¡’ —¥ à«π °“√∂◊ÕÀÿâπ„π Chailease Credit Service Co., Ltd. §‘¥‡ªìπ√âÕ¬≈– 100

≈—°…≥–√“¬°“√

¡Ÿ≈§à“√“¬°“√√–À«à“ß°—π ”À√—∫ß«¥ ‘Èπ ÿ¥ (æ—π∫“∑) 31 ∏.§. 2549 31 ∏.§. 2548

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

12,436.06

- §≥–°√√¡°“√μ√«® Õ∫ ·≈–/À√◊Õ °√√¡°“√Õ‘ √– ‰¥â Õ∫∑“π·≈–æ‘®“√≥“ √“¬°“√¥—ß°≈à“«·≈â«¡’§«“¡‡ÀÁπ«à“¡’ ¡Ÿ≈§à“‡ªìπ‰ªμ“¡√“§“μ“¡ —≠≠“∑’Ë μ°≈ß°—π ¡’§«“¡ ¡‡Àμÿ ¡º≈·≈– 9,411.93 ‡ªìπ‰ªμ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª

560.00

- §≥–°√√¡°“√μ√«® Õ∫ ·≈–/À√◊Õ °√√¡°“√Õ‘ √– ‰¥â Õ∫∑“π·≈–æ‘®“√≥“ √“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ«à“¡’ ¡Ÿ≈§à“‡ªìπ‰ªμ“¡√“§“μ“¡ —≠≠“∑’Ë μ°≈ß°—π ¡’§«“¡ ¡‡Àμÿ ¡º≈·≈– 360.00 ‡ªìπ‰ªμ“¡°“√ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª

189.06 15.48

- §≥–°√√¡°“√μ√«® Õ∫ ·≈–/À√◊Õ °√√¡°“√Õ‘ √– ‰¥â Õ∫∑“π·≈–æ‘®“√≥“ √“¬°“√¥—ß°≈à“«·≈â« ¡’§«“¡‡ÀÁπ«à“¡’ ¡Ÿ≈§à“‡ªìπ‰ªμ“¡√“§“μ≈“¥ ¡’§«“¡  ¡‡Àμÿ ¡º≈ ·≈–‡ªìπ‰ªμ“¡°“√ 691.86 ª√–°Õ∫∏ÿ√°‘®∑—Ë«‰ª 41.05

√“¬®à“¬§à“‡™à“æ◊Èπ∑’ˮե√∂ ”À√—∫ ∑√—æ¬å ‘π∑’ˬ÷¥¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ ‚¥¬ —≠≠“¡’√–¬–‡«≈“ 1 ªï μ—Èß·μà «—π∑’Ë 1 惻®‘°“¬π - 31 μÿ≈“§¡ 1. √“¬®à“¬§à“‡™à“æ◊Èπ∑’Ë √“¬‰¥â§à“∏√√¡‡π’¬¡·≈–√“¬‰¥â §à“∏√√¡‡π’¬¡§â“ß√—∫®“°°“√„Àâ∫√‘°“√  ‘π‡™◊ËÕ·ø§μÕ√‘Ë߇æ◊ËÕ°“√π”‡¢â“¢Õß ∫√‘…—∑¬àÕ¬ 1. √“¬‰¥â§à“∏√√¡‡π’¬¡ 2. √“¬‰¥â§à“∏√√¡‡π’¬¡§â“ß√—∫

∑’Ë¡“ : ß∫°“√‡ß‘π√«¡¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ªï 2548 - ªï 2549 μ√«® Õ∫‚¥¬ºŸâ Õ∫∫—≠™’

36

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


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“Õ∏‘∫“¬·≈–°“√«‘‡§√“–Àå∞“π–∑“ß°“√‡ß‘π ·≈–º≈°“√¥”‡π‘πß“π

................................................................................................................................................ ¿“æ√«¡¢Õߺ≈°“√¥”‡π‘πß“π∑’˺à“π¡“ „πªï 2549 ‡»√…∞°‘®‰∑¬‚¥¬√«¡ª√—∫μ—«¥’¢÷Èπ‡≈Á°πâÕ¬®“°ªï 2548 ‚¥¬¡’Õ—μ√“°“√¢¬“¬μ—«√âÕ¬≈– 5.0 ‡ª√’¬∫‡∑’¬∫°—∫ªï∑’Ë·≈â«´÷Ëß¡’ Õ—μ√“ °“√¢¬“¬μ—«√âÕ¬≈– 4.5 ‚¥¬¡’º≈¡“®“°°“√ àßÕÕ°∑’¢Ë ¬“¬μ—« Ÿß√âÕ¬≈– 17.4 ¢≥–∑’°Ë “√π”‡¢â“™–≈Õμ—«≈ß¡“°‚¥¬¢¬“¬μ—«‡æ’¬ß√âÕ¬≈– 7.0 ‡ ∂’¬√¿“æ ‡»√…∞°‘®‚¥¬√«¡Õ¬Ÿà „π‡°≥±å¥’ ®“°¥ÿ≈∫—≠™’‡¥‘π –æ—¥∑’ˇ°‘π¥ÿ≈·≈–∞“π–‡ß‘π ”√Õß√–À«à“ߪ√–‡∑»∑’Ë Ÿß¢÷Èπ ·¡â«à“Õ—μ√“‡ß‘π‡øÑÕ∑—Ë«‰ª·≈–Õ—μ√“ ‡ß‘π‡øÑÕæ◊πÈ ∞“π‡©≈’¬Ë  Ÿß¢÷πÈ ®“°ªï∑·’Ë ≈â«‚¥¬Õ¬Ÿ∑à √’Ë Õâ ¬≈– 4.7 ·≈– √âÕ¬≈– 2.3 μ“¡≈”¥—∫·μà·√ß°¥¥—π¥â“π√“§“ª√—∫≈¥≈ß™—¥‡®π„π§√÷ßË À≈—ߢÕߪï 2549 Õ¬à“߉√°Áμ“¡°“√„™â®“à ¬¿“¬„πª√–‡∑»‚¥¬‡©æ“–°“√≈ß∑ÿπ¿“§‡Õ°™π‰¥â™–≈Õμ—«≈ß®“°ªï°Õà π‡π◊ÕË ß®“°‰¥â√∫— º≈°√–∑∫®“°√“§“πÈ”¡—π∑’∑Ë √ßμ—«„π√–¥—∫ Ÿß √«¡∂÷ß°“√™–≈Õμ—«¢ÕßÕÿª ß§å „πª√–‡∑» Õ—μ√“¥Õ°‡∫’Ȭ√–¬– —Èπ„πμ≈“¥‡ß‘π Ÿß‡æ‘Ë¡¢÷Èπ„π™à«ß§√÷Ëß·√°¢Õßªï ·μà‡√‘Ë¡∑√ßμ—«„π™à«ß§√÷ËßÀ≈—ߢÕߪï ∑—Èßπ’ÈÕ—μ√“¥Õ°‡∫’Ȭμ≈“¥´◊ÈÕ§◊πæ—π∏∫—μ√√–¬– 1 «—𠇩≈’ˬ∑—ÈߪïÕ¬Ÿà∑’Ë√âÕ¬≈– 4.64 μàÕªï´÷Ëß Ÿß°«à“§à“‡©≈’ˬ¢Õߪï∑’Ë·≈â«∑’ËÕ¬Ÿà∑’ËÕ—μ√“√âÕ¬≈– 2.63 μàÕªï  ”À√—∫¬Õ¥¢“¬√∂¬πμå „À¡à „πªï 2549 ¬—ߧßÕ¬Ÿà „π√–¥—∫ Ÿß‡∑à“°—∫ 682,500 §—π≈¥≈߇≈Á°πâÕ¬®“°®”π«π 703,432 §—π„πªï 2548 À√◊Õ≈¥≈ß√âÕ¬≈– 3.0 Õ¬à“߉√°Áμ“¡Õ—μ√“°“√„™â°”≈—ß°“√º≈‘μ¢ÕßÕÿμ “À°√√¡ (Industrial Capacity Utilization Rate) ‰¥â‡æ‘Ë¡¢÷Èπ®“°Õ—μ√“ √âÕ¬≈– 72.0 „πªï 2548 ‡ªìπÕ—μ√“√âÕ¬≈– 74.2 „πªï 2549 ∫àß∫Õ°∂÷ߧ«“¡μâÕß°“√¢¬“¬°”≈—ß°“√º≈‘μ„πÀ≈“¬∏ÿ√°‘® ‚¥¬À¡«¥ ‘π§â“∑’Ë¡’°“√ º≈‘μ¢¬“¬μ—«¥’ ‰¥â·°àÀ¡«¥Õ‘‡≈Á§∑√Õπ‘° å ‡§√◊ËÕߥ◊Ë¡·≈–Õ“À“√ ¥—™π’°“√Õÿª‚¿§∫√‘ ‚¿§¿“§‡Õ°™π (Private Consumption Index) ¢¬“¬μ—«‡≈Á° πâÕ¬„πÕ—μ√“√âÕ¬≈– 1.3 ‡ª√’¬∫‡∑’¬∫°—∫ªï∑’Ë·≈â«∑’Ë¢¬“¬μ—«„πÕ—μ√“√âÕ¬≈– 0.6 ‡π◊ËÕß®“°ºŸâ∫√‘‚¿§√–¡—¥√–«—ß°“√„™â®à“¬¡“°¢÷ÈπÕ—π‡ªìπº≈¡“®“° Õ—μ√“‡ß‘π‡øÑÕ·≈–Õ—μ√“¥Õ°‡∫’Ȭ∑’Ë∑√ßμ—«„π√–¥—∫ Ÿß  ”À√—∫¥—™π’°“√≈ß∑ÿπ¿“§‡Õ°™π (Private Investment Index) ¢¬“¬μ—«„πÕ—μ√“√âÕ¬≈– 1.3 ™–≈Õμ—«≈ß¡“°®“°ªï∑’Ë·≈â«∑’Ë¢¬“¬μ—«„πÕ—μ√“√âÕ¬≈– 8.5 ‡¡◊ËÕæ‘®“√≥“¿“æ√«¡¢Õߺ≈°“√¥”‡π‘πß“π ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’°”‰√ ÿ∑∏‘ √«¡ 118.57 ≈â“π∫“∑ ≈¥≈ߪ√–¡“≥√âÕ¬≈– 19.04 ®“°ªï 2548 ´÷ËßÕ¬Ÿà∑’Ë 146.46 ≈â“π∫“∑ ‚¥¬¡’ “‡ÀμÿÀ≈—°¡“®“°Õ—μ√“¥Õ°‡∫’Ȭ∑’Ë Ÿß¢÷Èπ¡“° Õ—μ√“º≈μÕ∫·∑πμàÕ à«π¢ÕߺŸâ∂◊ÕÀÿâπ (ROE) ‡∑à“°—∫√âÕ¬≈– 9.59 „πªï 2549 ‡ª√’¬∫‡∑’¬∫°—∫√âÕ¬≈– 19.31 „πªï 2548 °”‰√μàÕÀÿâπ‡∑à“°—∫ 0.82 ∫“∑ ≈¥≈ß®“°®”π«π 1.46 ∫“∑„πªï 2548 ´÷Ëß à«πÀπ÷Ëß ‡ªìπº≈®“°°“√∑’Ë∫√‘…—∑‰¥â‡æ‘Ë¡∑ÿπ®¥∑–‡∫’¬π™”√–·≈â«·≈â«®“° 575 ≈â“π∫“∑ ‡ªìπ 1,150 ≈â“π

º≈°“√¥”‡π‘πß“π √“¬‰¥â „πªï 2549 ∫√‘…∑— ·≈–∫√‘…∑— ¬àÕ¬¡’√“¬‰¥â√«¡‡∑à“°—∫ 896.80 ≈â“π∫“∑ ‡æ‘¡Ë ¢÷πÈ √âÕ¬≈– 20.93 ®“°ªï 2548 ´÷ßË ¡’√“¬‰¥â√«¡ ‡∑à“°—∫ 741.56 ≈â“π∫“∑ ‚¥¬¡’√“¬‰¥âÀ≈—°®“°¥Õ°º≈‡™à“´◊ÈÕ §‘¥‡ªìπ√âÕ¬≈– 73.08 ¢Õß√“¬‰¥â√«¡ °“√ª√—∫μ—«‡æ‘Ë¡¢÷Èπ¥—ß°≈à“«‡ªìπº≈¡“®“°°“√¢¬“¬¬Õ¥ ‘π‡™◊ËÕ ‡™à“´◊ÈÕ„À¡à ∑—Èß ‘π‡™◊ËÕ‡™à“´◊ÈÕ√∂¬πμå‡æ◊ËÕ°“√æ“≥‘™¬å  ‘π‡™◊ËÕ‡™à“´◊ÈÕ‡§√◊ËÕß®—°√·≈–Õÿª°√≥å¢Õß¿“§Õÿμ “À°√√¡ ‚¥¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ (°àÕπ À—°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠) ≥  ‘Èπªï 2549 ‡∑à“°—∫ 8,163.95 ≈â“π∫“∑ ª√—∫μ—«‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 21.88 ®“°®”π«π 6,698.40 ≈â“π∫“∑ ≥  ‘Èπªï 2548  ”À√—∫√“¬‰¥â®“° —≠≠“‡™à“°“√‡ß‘π·≈– —≠≠“‡™à“¥”‡π‘πß“π„πªï 2549 π—Èπ ¡’ —¥ à«π√âÕ¬≈– 6.56 ¢Õß√“¬‰¥â√«¡ ´÷Ëß¡’®”π«π‡∑à“°—∫ 58.88 ≈â“π∫“∑ ‚¥¬ª√—∫μ—«≈¥≈ß√âÕ¬≈– 15.52 ®“°®”π«π 69.70 ≈â“π∫“∑„πªï 2548 √“¬‰¥â®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß„πªï 2549 ´÷Ëߧ‘¥‡ªìπ —¥ à«π√âÕ¬≈– 4.07 ¢Õß√“¬‰¥â√«¡¡’®”π«π‡∑à“°—∫ 36.51 ≈â“π∫“∑ À√◊Õª√—∫μ—« ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 28.33 ®“°®”π«π 28.45 ≈â“π∫“∑„πªï 2548 ‚¥¬°“√‡æ‘Ë¡¢÷Èπ¥—ß°≈à“«‡ªìπ‰ªμ“¡°“√¢¬“¬μ—«¢Õߧ«“¡μâÕß°“√‡ß‘π ∑ÿπÀ¡ÿπ‡«’¬π¢ÕߺŸâª√–°Õ∫°“√∏ÿ√°‘®¢π“¥°≈“ß·≈–¢π“¥¬àÕ¡ πÕ°®“°π’È ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¬—ß¡’√“¬‰¥âÕ◊Ëπ®“°  ‘π‡™◊ËÕ à«π∫ÿ§§≈  ‘π‡™◊ËÕ·°àºŸâ®—¥®”Àπà“¬√∂¬πμå √“¬‰¥â®“°‡ß‘π„Àâ°Ÿâ¬◊¡ √“¬‰¥â§à“ª√—∫ ≈à“™â“ √“¬‰¥â§à“∑’˪√÷°…“·≈–„Àâ∫√‘°“√‡°’ˬ«°—∫¥â“πª√–°—π¿—¬ ‡ªìπμâπ ‚¥¬„πªï 2549 √“¬‰¥âÕ◊Ëπ¡’®”π«π‡∑à“°—∫ 146.06 ≈â“π∫“∑ À√◊Õª√—∫μ—« ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 9.99 ®“°®”π«π‡∑à“°—∫ 132.79 ≈â“π∫“∑„πªï 2548 ‚¥¬¡’ªí®®—¬À≈—°®“°°“√‡æ‘Ë¡¢÷Èπ¢Õß√“¬‰¥â®“°°“√„Àâ∫√‘°“√¥â“πª√–°—π¿—¬ ‚¥¬„πªï 2549 ¡’®”π«π‡∑à“°—∫ 55.02 ≈â“π∫“∑ ¢¬“¬μ—«‡æ‘Ë¡¢÷Èπ„πÕ—μ√“√âÕ¬≈– 9.91 ®“°®”π«π 50.06 ≈â“π∫“∑„πªï 2548

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§à“„™â®“à ¬ §à“„™â®“à ¬√«¡ (√«¡Àπ’ È ≠Ÿ ·≈–Àπ’ È ß —¬®– Ÿ≠ ¥Õ°‡∫’¬È ®à“¬·≈–¿“…’‡ß‘π‰¥âπμ‘ ∫‘ §ÿ §≈) ¢Õß∫√‘…∑— ·≈–∫√‘…∑— ¬àÕ¬„πªï 2549 ¡’®”π«π 778.26 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 30.78 ®“°®”π«π 595.09 ≈â“π∫“∑„πªï 2548 ¥—ßπ’È §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ „πªï 2549 §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ ¡’®”π«π‡∑à“°—∫ 303.86 ≈â“π∫“∑ §‘¥‡ªìπ√âÕ¬≈– 39.04 ¢Õß§à“„™â®à“¬√«¡ ·≈–‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 4.14 ®“°®”π«π 291.78 ≈â“π∫“∑„πªï 2548 §à“„™â®à“¬„π°“√¢“¬·≈–∫√‘À“√ à«π„À≠à ª√–°Õ∫¥â«¬ ‡ß‘π‡¥◊Õπ ‚∫π— ·≈–§à“„™â®à“¬æπ—°ß“π ´÷Ëß §‘¥‡ªìπ√âÕ¬≈– 22.03 ¢Õß§à“„™â®à“¬√«¡  à«πÀπ’È Ÿ≠·≈–§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¡’®”π«π 45.33 ≈â“π∫“∑ §‘¥‡ªìπ√âÕ¬≈– 5.82 ¢Õß§à“„™â®à“¬√«¡ ¥Õ°‡∫’¬È ®à“¬ ¥Õ°‡∫’Ȭ®à“¬‡ªìπμâπ∑ÿπÀ≈—°„π°“√¥”‡π‘π∏ÿ√°‘®¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ „πªï 2549 ¡’®”π«π‡∑à“°—∫ 391.22 ≈â“π∫“∑ §‘¥‡ªìπ√âÕ¬≈– 50.27 ¢Õß§à“„™â®à“¬√«¡ ‚¥¬‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 86.46 ®“°®”π«π 209.81 ≈â“π∫“∑„πªï 2548 ´÷Ë߇ªìπº≈®“°°“√¢¬“¬∏ÿ√°‘®·≈–®“°°“√ª√—∫μ—« ‡æ‘Ë¡¢÷Èπ¢ÕßÕ—μ√“¥Õ°‡∫’Ȭ ¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈ „πªï 2549 ¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈¡’®”π«π 36.39 ≈â“π∫“∑ À√◊Õ≈¥≈ß√âÕ¬≈– 10.63 ®“°®”π«π 40.72 ≈â“π∫“∑„πªï 2548 ‡ªìπº≈¡“ ®“°°”‰√°àÕπ¿“…’‡ß‘π‰¥âπ‘μ‘∫ÿ§§≈∑’Ë≈¥≈ß ·≈–Õ—μ√“¿“…’∑’Ë≈¥≈ß®“°√âÕ¬≈– 30 ‡ªìπ√âÕ¬≈– 25 ®“°°“√‡ªìπ∫√‘…—∑®¥∑–‡∫’¬π„πμ≈“¥À≈—° ∑√—æ¬å·Ààߪ√–‡∑»‰∑¬‡ªìπ√–¬–‡«≈“ 5 ªï μ—Èß·μà ªï 2549 ∂÷ߪï 2553 °”‰√ ÿ∑∏‘ „πªï 2549 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’°”‰√ ÿ∑∏‘À≈—ßÀ—°¿“…’‡∑à“°—∫ 118.57 ≈â“π∫“∑ À√◊Õ≈¥≈ߪ√–¡“≥√âÕ¬≈– 19.04 ®“°®”π«π 146.46 ≈â“π∫“∑„πªï 2548 °”‰√μàÕÀÿâπ≈¥≈ß®“° 1.46 ∫“∑μàÕÀÿâπ„πªï 2548 ‡ªìπ 0.82 ∫“∑μàÕÀÿâπ„πªï 2549 ´÷Ëßªí®®—¬À≈—°‡ªìπº≈®“°°“√‡ πÕ¢“¬ Àÿâπ “¡—≠‡æ‘Ë¡∑ÿπ®”π«π 115,000,000 Àÿâπ ·°àºŸâ∂◊ÕÀÿâπ‡¥‘¡„πÕ—μ√“ à«π 1 Àÿâπ “¡—≠‡¥‘¡ : 1 Àÿâπ “¡—≠„À¡à „π™à«ßª≈“¬‡¥◊Õ𠰗𬓬π 2549 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’Õ—μ√“°”‰√ ÿ∑∏‘·≈–Õ—μ√“º≈μÕ∫·∑πμàÕºŸâ∂◊ÕÀÿâπ ”À√—∫ªï 2549 ∑’Ë√âÕ¬≈– 13.22 ·≈–√âÕ¬≈– 9.59 ‡ª√’¬∫‡∑’¬∫°—∫ªï 2548 ∑’Ë √âÕ¬≈– 19.75 ·≈–√âÕ¬≈– 19.31 μ“¡≈”¥—∫

∞“π–∑“ß°“√‡ß‘π ‘π∑√—æ¬å ≥  ‘Èπªï 2549 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’  ‘π∑√—æ¬å√«¡‡∑à“°—∫ 9,443.84 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 19.57 ®“°®”π«π 7,898.33 ≈â“π∫“∑ ≥  ‘Èπªï 2548 ‚¥¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ÿ∑∏‘ ´÷Ë߇ªìπ ‘π∑√—æ¬åÀ≈—°¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ §‘¥‡ªìπ —¥ à«π√âÕ¬≈– 85.51 ¢Õß ‘π∑√—æ¬å√«¡ ®“°°“√∑’Ë∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’ª√– ‘∑∏‘¿“æ∑’Ë¥’ „π°“√®—¥‡°Á∫Àπ’È ¢π“¥æÕ√åμ ‘π‡™◊ËÕ∑’ˇæ‘Ë¡¢÷Èπ·≈–º≈®“°°“√μ—¥Àπ’È Ÿ≠  ‘π‡™◊ËÕ∑’Ë ‰¡à°àÕ„À⇰‘¥√“¬‰¥â (NPLs) ≥  ‘Èπªï 2549 ¡’®”π«π‡∑à“°—∫ 50.55 ≈â“π∫“∑ À√◊Õ‡∑à“°—∫√âÕ¬≈– 0.55 ¢Õ߬ե≈Ÿ°Àπ’È√«¡ (°àÕπÀ—°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠) πÕ°®“°π’È Õ—μ√“ à«π§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ μàÕ  ‘π‡™◊ËÕ∑’Ë ‰¡à°àÕ„À⇰‘¥√“¬‰¥â (NPLs) Õ¬Ÿà „πÕ—μ√“ Ÿß∂÷ß√âÕ¬≈– 242.82  –∑âÕπ∂÷ߧ«“¡‡æ’¬ßæÕ¢Õß°“√ μ—Èß ”√Õß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ Àπ’È ‘π ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’Àπ’È ‘π√«¡ ≥  ‘Èπªï 2549 ‡∑à“°—∫ 7,867.36 ≈â“π∫“∑ ‚¥¬¡’‡ß‘π°Ÿâ¬◊¡√«¡ 7,704.86 ≈â“π∫“∑ ´÷Ëߪ√–°Õ∫¥â«¬ ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπª√–‡¿∑ ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π¿“¬„πª√–‡∑» ·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß √«¡∑—È߇ߑπ°Ÿâ¬◊¡√–¬– —Èπ Õ◊Ëπ®”π«π 5,904.86 ≈â“π∫“∑ À√◊Õ§‘¥‡ªìπ√âÕ¬≈– 76.64 ¢Õ߇ߑπ°Ÿâ¬◊¡√«¡ Õ¬à“߉√°Áμ“¡‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ„π —¥ à«π∑’Ë Ÿß®–‰¡à¡’º≈°√–∑∫μàÕ  ¿“æ§≈àÕß∑“ß°“√‡ß‘π¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬‡π◊ËÕß®“°‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ à«π„À≠à¡“®“°°≈ÿࡺŸâ∂◊ÕÀÿâπ„À≠à´÷Ë߇ªìπ ∂“∫—π°“√‡ß‘π¢π“¥„À≠à ¥—ßπ—Èπ∑”„Àâ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ “¡“√∂∫√‘À“√μâπ∑ÿπ∑“ß°“√‡ß‘πÕ¬à“ß¡’ª√– ‘∑∏‘¿“æ 38


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ª√–‡¿∑Àπ’ È π‘ ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π - ‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘π∑’ˇ°’ˬ«¢âÕß°—π - ‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘πÕ◊Ëπ ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„π 1 ªï ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ √«¡‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“° ∂“∫—π°“√‡ß‘π √«¡‡ß‘π°Ÿâ¬◊¡√–¬–¬“« ‡ß‘π°Ÿâ¬◊¡√«¡

≥ «—π∑’Ë 31 ∏.§. 2549 ®”π«π‡ß‘π (≈â“π∫“∑) √âÕ¬≈– (%) 5,667.56 73.56 1,614.44 20.95 4,053.12 52.61 60.00 0.78 70.00 0.91 107.30 1.39 5,904.86 76.64 1,000.00 12.98 800.00 10.38 1,800.00 23.36 7,704.86 100.00

¿“æ§≈àÕß ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 °”Àπ¥°“√®à“¬™”√–§◊π‡ß‘π°Ÿâ®“°¬Õ¥‡ß‘π°Ÿâ ·≈–‡ß‘π§à“ß«¥∑’˧“¥«à“®–‰¥â√—∫„π™à«ß√–¬–‡«≈“μà“ßÊ  “¡“√∂  √ÿª ‰¥â¥ß— π’È √–¬–‡«≈“ ¿“¬„π 1 ªï ‡°‘π°«à“ 1 ªï ·μà ‰¡à‡°‘π 2 ªï ‡°‘π°«à“ 2 ªï ·μà ‰¡à‡°‘π 3 ªï ‡°‘π°«à“ 3 ªï ≈Ÿ°Àπ’ÈÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â √«¡

°”Àπ¥™”√–§◊πÀπ’ȇߑπ°Ÿâ¬◊¡ (≈â“π∫“∑) 5,904.86 1,000.00 800.00 7,704.86

§à“ß«¥∑’Ë®–‰¥â√—∫™”√–®“°≈Ÿ°Àπ’È (≈â“π∫“∑) 4,703.49 3,026.39 1,733.27 966.32 53.39 10,482.86

®“° à«πμà“ß√–À«à“ߧà“ß«¥∑’Ë®–‰¥â√—∫™”√–¿“¬„π 1 ªï ·≈–°”Àπ¥™”√–§◊πÀπ’ȇߑπ°Ÿâ¬◊¡¿“¬„π 1 ªï ®”π«π 1,201.37 ≈â“π∫“∑¢â“ßμâπ Õ“® °≈à“«‰¥â«à“ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬‰¡à¡’º≈°√–∑∫„π‡√◊ËÕß ¿“æ§≈àÕß∑“ß°“√‡ß‘π‡π◊ËÕß®“°‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ∫“ß à«π ‡ªìπ‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘π ∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π®”π«π 1,744.44 ≈â“π∫“∑ ´÷Ëß Ÿß°«à“ à«πμà“ߢâ“ßμâπ πÕ°®“°π’È ®“°Õ¥’μ∑’˺à“π¡“ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬®—¥«à“‡ªìπ ≈Ÿ°§â“™—Èπ¥’¢Õß ∂“∫—π°“√‡ß‘πμà“ßÊ ´÷Ë߉¡à‡§¬∂Ÿ°‡√’¬°§◊π‡ß‘π°Ÿâ°àÕπ°”Àπ¥·≈– “¡“√∂μàÕÕ“¬ÿ —≠≠“‡ß‘π°Ÿâ¡“‚¥¬μ≈Õ¥·¡â „π™à«ß¿“«–«‘°ƒμ ‡»√…∞°‘®¢Õߪ√–‡∑» Õ¬à“߉√°Áμ“¡ ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¬—ß¡’«ß‡ß‘π ‘π‡™◊Ëէ߇À≈◊Õ®“° ∂“∫—π°“√‡ß‘πÕ◊ËπÕ’°ª√–¡“≥ 3,262 ≈â“π∫“∑‰«â ”√Õß ´÷Ëß –∑âÕπ„Àâ‡ÀÁ𧫓¡‡æ’¬ßæÕ¢Õß ¿“æ§≈àÕß∑“ß°“√‡ß‘π¢Õß∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬ πÕ°®“°π’È ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¬—ߧߪ√—∫ª√ÿß‚§√ß √â“ß·À≈àß ∑’Ë¡“¢Õ߇ߑπ∑ÿπ„Àâ‡À¡“– ¡¢÷Èπ ‚¥¬∑¬Õ¬ª√—∫‡ª≈’ˬπ°“√°Ÿâ¬◊¡‡ß‘π√–¬– —Èπ„À⇪ìπ‡ß‘π°Ÿâ¬◊¡√–¬–¬“« ‡æ◊ËÕ‰¡à „Àâ°√–∑∫μàÕμâπ∑ÿπ∑“ß°“√‡ß‘π √«¡∂÷ß ¡’π‚¬∫“¬°√–®“¬§«“¡‡ ’ˬ߄π‡√◊ËÕߢÕß·À≈à߇ߑπ∑ÿπ·À≈àß„À¡àπÕ°®“°‡ß‘π°Ÿâ¬◊¡®“° ∂“∫—π°“√‡ß‘π‡™àπºà“πμ≈“¥∑ÿ𠇪ìπμâπ

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à«π¢ÕߺŸâ∂◊ÕÀÿâπ ≥  ‘Èπªï 2549 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬¡’ à«π¢ÕߺŸâ∂◊ÕÀÿâπ‡∑à“°—∫ 1,576.48 ≈â“π∫“∑ ‡æ‘Ë¡¢÷Èπ√âÕ¬≈– 76.11 ®“°®”π«π 895.16 ≈â“π∫“∑ ≥  ‘Èπªï 2548 ‚¥¬¡’∑ÿπ™”√–·≈â«®”π«π 1,150 ≈â“π∫“∑·≈–¡’°”‰√ – ¡‡∑à“°—∫ 281.11 ≈â“π∫“∑ ∑—Èßπ’Èªí®®—¬À≈—°∑’Ë∑”„Àâ à«π¢ÕߺŸâ∂◊ÕÀÿâπ‡æ‘Ë¡ ¢÷πÈ ‡°‘¥¢÷πÈ ®“°°”‰√ ÿ∑∏‘¢Õß∫√‘…∑— ·≈–∫√‘…∑— ¬àÕ¬ ·≈–°“√∑’∫Ë √‘…∑— ‰¥â‡ πÕ¢“¬Àÿπâ  “¡—≠‡æ‘¡Ë ∑ÿπ®”π«π 115,000,000 Àÿπâ „Àâ·°àº∂Ÿâ Õ◊ Àÿπâ ‡¥‘¡„π —¥ à«π 1 Àÿâπ “¡—≠‡¥‘¡ : 1 Àÿâπ “¡—≠„À¡à „π™à«ßª≈“¬‡¥◊Õπ°—𬓬π 2549 ∑’˺à“π¡“  àߺ≈„Àâ∑ÿπ®¥∑–‡∫’¬π™”√–·≈⫇æ‘Ë¡¢÷Èπ®“°®”π«π 575 ≈â“π∫“∑ ≥  ‘Èπªï 2548 ‡ªìπ 1,150 ≈â“π∫“∑ ≥  ‘Èπªï 2549 ·≈–∑”„Àâ ¡Ÿ≈§à“∑“ß∫—≠™’μàÕÀÿâπª√—∫μ—«≈¥≈ß ‡ªìπ 6.85 ∫“∑μàÕÀÿâπ ≥  ‘Èπªï 2549 ®“° 7.78 ∫“∑μàÕÀÿâπ ≥  ‘Èπªï 2548 §à“μÕ∫·∑π¢ÕߺŸâ Õ∫∫—≠™’ „πªï 2549 ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬®à“¬§à“μÕ∫·∑π¢ÕߺŸâ Õ∫∫—≠™’ ¥—ßπ’È 1. §à“μÕ∫·∑π®“°°“√ Õ∫∫—≠™’ „Àâ·°à ºŸâ Õ∫∫—≠™’¢Õß∫√‘…—∑ „π√Õ∫∫—≠™’∑’˺à“π¡“¡’®”π«π√«¡ 0 ∫“∑  ”π—°ß“π∑’˺Ÿâ Õ∫∫—≠™’ —ß°—¥ ∫ÿ§§≈À√◊Õ°‘®°“√∑’ˇ°’ˬ«¢âÕß°—∫ºŸâ Õ∫∫—≠™’·≈– ”π—°ß“π Õ∫∫—≠™’∑’˺Ÿâ Õ∫∫—≠™’ —ß°—¥„π√Õ∫ ∫—≠™’∑’˺à“π¡“®”π«π√«¡ 1,610,000 ∫“∑ ‚¥¬‡ªìπ§à“ Õ∫∫—≠™’®”π«π√«¡ 1,610,000 ∫“∑ ·≈–‰¡à¡’§à“„™â®à“¬Õ◊Ëπ∑’Ë ‡°’ˬ«¢âÕß°—∫°“√ Õ∫∫—≠™’ 2. §à“∫√‘°“√Õ◊πË ∫√‘…—∑·≈–∫√‘…—∑¬àÕ¬®à“¬§à“μÕ∫·∑π¢Õßß“π∫√‘°“√Õ◊Ëπ ´÷Ë߉¥â·°à §à“„™â®à“¬„π°“√®—¥ à߇հ “√ §à“‡¥‘π∑“ß ‡ªìπμâπ „Àâ·°à ºŸâ Õ∫∫—≠™’¢Õß∫√‘…—∑ „π√Õ∫∫—≠™’∑’˺à“π¡“®”π«π√«¡ 0 ∫“∑  ”π—°ß“π∑’˺Ÿâ Õ∫∫—≠™’ —ß°—¥ ∫ÿ§§≈À√◊Õ°‘®°“√∑’ˇ°’ˬ«¢âÕß°—∫ºŸâ Õ∫∫—≠™’·≈– ”π—°ß“π Õ∫∫—≠™’∑’˺Ÿâ Õ∫∫—≠™’ —ß°—¥ „π√Õ∫ ∫—≠™’∑’˺à“π¡“®”π«π√«¡ 0 ∫“∑

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 ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬ √“¬ß“π ·≈– ß∫°“√‡ß‘π√«¡ 31 ∏—𫓧¡ 2549 ·≈– 2548

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‡ πÕμàÕºŸâ∂◊ÕÀÿâπ·≈–§≥–°√√¡°“√¢Õß ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ¢â“懮Ⓣ¥âμ√«® Õ∫ß∫¥ÿ≈√«¡ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ß∫°”‰√¢“¥∑ÿπ√«¡ ß∫· ¥ß°“√‡ª≈’ˬπ·ª≈ß à«π¢Õß ºŸâ∂◊ÕÀÿâπ√«¡·≈–ß∫°√–· ‡ß‘π ¥√«¡ ”À√—∫ªï ‘Èπ ÿ¥«—π‡¥’¬«°—π¢Õß·μà≈–ªï¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬ ·≈–‰¥â μ√«® Õ∫ß∫°“√‡ß‘π‡©æ“–¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘® ≈’ ´‘Ëß ®”°—¥ (¡À“™π) ¥â«¬‡™àπ°—π ´÷ËߺŸâ∫√‘À“√¢Õß°‘®°“√‡ªìπºŸâ√—∫º‘¥™Õ∫μàÕ§«“¡∂Ÿ°μâÕß ·≈–§√∫∂â«π¢ÕߢâÕ¡Ÿ≈„πß∫°“√‡ß‘π‡À≈à“π’È  à«π¢â“懮ⓇªìπºŸâ√—∫º‘¥™Õ∫„π°“√· ¥ß§«“¡‡ÀÁπμàÕß∫°“√‡ß‘π¥—ß°≈à“«®“°º≈°“√μ√«® Õ∫¢Õß ¢â“懮ⓠ¢â“懮Ⓣ¥âªØ‘∫—μ‘ß“πμ√«® Õ∫μ“¡¡“μ√∞“π°“√ Õ∫∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª ´÷Ëß°”Àπ¥„Àâ¢â“懮â“μâÕß«“ß·ºπ·≈–ªØ‘∫—μ‘ß“π‡æ◊ËÕ„À≥⧫“¡ ‡™◊ËÕ¡—ËπÕ¬à“ß¡’‡Àμÿº≈«à“ß∫°“√‡ß‘π· ¥ß¢âÕ¡Ÿ≈∑’Ë¢—¥μàÕ¢âÕ‡∑Á®®√‘ßÕ—π‡ªìπ “√– ”§—≠À√◊Õ‰¡à °“√μ√«® Õ∫√«¡∂÷ß°“√„™â«‘∏’°“√∑¥ Õ∫À≈—°∞“π ª√–°Õ∫√“¬°“√∑—Èß∑’ˇªìπ®”π«π‡ß‘π·≈–°“√‡ªî¥‡º¬ ¢âÕ¡Ÿ≈„πß∫°“√‡ß‘π °“√ª√–‡¡‘𧫓¡‡À¡“– ¡¢ÕßÀ≈—°°“√∫—≠™’∑’Ë°‘®°“√„™â·≈–ª√–¡“≥°“√ ‡°’ˬ«°—∫√“¬°“√ ∑“ß°“√‡ß‘π∑’ˇªìπ “√– ”§—≠ ´÷ËߺŸâ∫√‘À“√‡ªìπºŸâ®—¥∑”¢÷Èπ μ≈Õ¥®π°“√ª√–‡¡‘π∂÷ߧ«“¡‡À¡“– ¡¢Õß°“√· ¥ß √“¬°“√∑’Ë𔇠πÕ „πß∫°“√‡ß‘π‚¥¬√«¡ ¢â“懮Ⓡ™◊ËÕ«à“°“√μ√«® Õ∫¥—ß°≈à“«„Àâ¢âÕ √ÿª∑’ˇªìπ‡°≥±åÕ¬à“߇À¡“– ¡ „π°“√· ¥ß§«“¡‡ÀÁπ¢Õߢâ“懮ⓠ¢â“懮ⓇÀÁπ«à“ ß∫°“√‡ß‘π¢â“ßμâππ’È· ¥ß∞“π–°“√‡ß‘π ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 º≈°“√¥”‡π‘πß“π·≈–°√–· ‡ß‘π ¥  ”À√—∫ªï ‘Èπ ÿ¥«—π‡¥’¬«°—π¢Õß·μà≈–ªï¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬ ·≈–‡©æ“–¢Õß∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ‚¥¬∂Ÿ°μâÕßμ“¡∑’˧«√„π “√– ”§—≠μ“¡À≈—°°“√∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª

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2549

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54,017,370 23,702,230 24,078,707 8,070,571 2,164,500 1,725,750 2,164,500 1,725,750 3,238,486,839 2,601,002,917 2,740,245,391 2,315,527,034 299,656,570 313,522,992 447,450,152 381,660,478 48,658,361 6,695,941 39,207,118 6,695,941 31,761,072 9,552,511 25,838,995 9,124,320 80,638,410 101,487,540 65,938,722 51,990,224 4,202,833,274 3,439,350,359 2,897,473,433 2,393,133,840

4,837,129,809 4,038,096,415 4,379,150,503 3,745,832,709 268,118,282

306,940,276

-

-

16,734,755 24,430,560 10,448,757 - 510,704,844 508,842,980 336,640 350,720 57,982,042 61,121,238 43,444,782 46,135,184 34,055,597 22,590,254 34,055,597 22,590,254 16,201,138 5,446,121 3,526,248 2,012,660 5,241,007,020 4,458,975,584 4,970,881,974 4,325,413,787 9,443,840,294 7,898,325,943 7,868,355,407 6,718,547,627

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43


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15, 18 18

5,667,558,826 4,252,800,898 4,274,352,341 3,408,837,008 60,000,000 295,000,000 - 235,000,000

18 18 16

70,000,000 1,050,000,000 - 900,000,000 10,188,127 5,235,084 6,445,161 3,778,836 107,300,000 163,000,000 107,300,000 163,000,000 146,109,776 154,734,499 103,775,274 112,778,190 6,061,156,729 5,920,770,481 4,491,872,776 4,823,394,034

18 17

1,000,000,000 1,070,000,000 1,000,000,000 1,000,000,000 800,000,000 - 800,000,000 6,200,934 12,401,869 1,806,200,934 1,082,401,869 1,800,000,000 1,000,000,000 7,867,357,663 7,003,172,350 6,291,872,776 5,823,394,034


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1,150,000,000

575,000,000 1,150,000,000

575,000,000

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

575,000,000 1,150,000,000 84,428,259 141,185,450 4,188,003 4,188,003

575,000,000 84,428,259 4,188,003

19,743,270 13,814,677 19,743,270 13,814,677 261,365,908 217,722,654 261,365,908 217,722,654 1,576,482,631 895,153,593 1,576,482,631 895,153,593 9,443,840,294 7,898,325,943 7,868,355,407 6,718,547,627

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18

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655,350,866 36,511,263 58,008,642 870,265 1,754,419 25,942,936 55,021,193 63,337,486 896,797,070

510,615,817 28,452,126 67,164,523 2,535,257 860,065 23,433,745 50,056,842 58,437,479 741,555,854

572,156,301 1,649,581 23,370,398 51,880,253 45,306,119 56,235,847 750,598,499

469,238,790 860,065 19,870,162 47,945,089 34,726,154 57,741,370 630,381,630

1,425,974 303,855,557 45,331,820 350,613,351 546,183,719 -391,217,515 -36,394,357 118,571,847

3,297,068 291,777,782 49,486,723 344,561,573 396,994,281 -209,808,757 -40,723,492 146,462,032

246,705,671 39,693,465 286,399,136 464,199,363 -322,240,826 -23,386,690 118,571,847

237,851,624 33,755,965 271,607,589 358,774,041 -176,859,512 -35,452,497 146,462,032

0.82

1.46

0.82

1.46

144,931,507

100,506,849

144,931,507

100,506,849

23


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460,000,000 4.2

19.1 19.1 21 26

19.2 19.2 21 26

ß∫°“√‡ß‘π√«¡/ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ º≈μà“ß®“°°“√ °”‰√ – ¡  à«π‡°‘π ª√—∫‚§√ß √â“ß ®—¥ √√·≈â« ¡Ÿ≈§à“Àÿπâ ºŸâ∂◊ÕÀÿâπ  ”√Õßμ“¡°ÆÀ¡“¬ ¬—߉¡à ‰¥â®¥—  √√ √«¡ (ª√—∫ª√ÿß„À¡à) 3,200,000 4,188,003 6,882,736 132,425,517 606,696,256

460,000,000 3,200,000 115,000,000 89,700,000 - -8,471,741 575,000,000 84,428,259 575,000,000 57,500,000 -742,809 1,150,000,000 141,185,450

4,188,003 4,188,003 4,188,003

6,882,736 6,931,941 13,814,677 5,928,593 19,743,270

14,767,046 147,192,563 146,462,032 -6,931,941 -69,000,000 217,722,654 118,571,847 -5,928,593 -69,000,000 261,365,908

14,767,046 621,463,302 146,462,032 204,700,000 -8,471,741 -69,000,000 895,153,593 118,571,847 632,500,000 -742,809 -69,000,000 1,576,482,631

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118,571,847

146,462,032

118,571,847

146,462,032

45,331,820 5,700,136 14,080 13,470,072 18,337,369 -438,750 712,561 -

49,486,723 1,262,569 11,520 12,501,258 12,554,279 -830,700 -807,138 -

39,693,465 5,700,136 9,773,309 18,337,369 -438,750 -2,196,204 -56,235,847

33,755,965 1,299,214 8,133,300 12,554,279 -830,700 -663,318 -57,741,370

201,699,135

220,640,543

133,205,325

142,969,402

-1,469,663,903 -1,792,865,236 -1,077,438,050 -1,433,782,756 51,593,143 57,376,035 -68,087,814 -103,599,846 -52,995,183 10,870,952 -32,995,183 10,870,952 -42,812,355 -26,247,224 -37,595,656 -25,090,566 20,748,407 -29,649,642 -13,979,595 -13,766,803 -29,802,711 -20,377,487 -29,802,711 -20,377,487 3,737,353 -2,901,466 -6,109,206 -4,148,218 4,953,043 -926,916 2,666,325 -1,204,160 -8,624,723 5,668,453 -9,002,916 -3,498,289 -6,200,935 -1,395,456,543 -1,682,011,834 -1,071,051,667 -1,348,027,925


ß ∫°√–· ‡ß‘π ¥ (μàÕ)

................................................................................................................................................ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬  ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548

ß∫°“√‡ß‘π√«¡ À¡“¬‡Àμÿ °√–· ‡ß‘π ¥®“°°‘®°√√¡≈ß∑ÿπ ´◊ÕÈ Õÿª°√≥å ‡ß‘π ¥√—∫®“°°“√®”Àπà“¬Õÿª°√≥å ‡ß‘πªíπº≈√—∫ ‡ß‘π ¥ ÿ∑∏‘‰¥â¡“®“° („™â ‰ª„π) °‘®°√√¡≈ß∑ÿπ °√–· ‡ß‘π ¥®“°°‘®°√√¡®—¥À“‡ß‘π ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π‡æ‘Ë¡¢÷Èπ (≈¥≈ß) ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π ‡æ‘Ë¡¢÷Èπ (≈¥≈ß) ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ‡æ‘Ë¡¢÷Èπ (≈¥≈ß) ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π ‡æ‘Ë¡¢÷Èπ (≈¥≈ß) ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“° ∂“∫—π°“√‡ß‘π‡æ‘Ë¡¢÷Èπ ‡ß‘π ¥√—∫®“°°“√‡æ‘Ë¡∑ÿπ ‡ß‘π ¥®à“¬§à“„™â®à“¬„π°“√ÕÕ°Àÿâπ “¡—≠‡æ‘Ë¡∑ÿπ ‡ß‘πªíπº≈®à“¬ ‡ß‘π ¥ ÿ∑∏‘‰¥â¡“®“°°‘®°√√¡®—¥À“‡ß‘π ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥‡æ‘Ë¡¢÷Èπ (≈¥≈ß)  ÿ∑∏‘ ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥μâπªï ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ª≈“¬ªï (À¡“¬‡Àμÿ 20) ¢âÕ¡Ÿ≈°√–· ‡ß‘𠥇ªî¥‡º¬‡æ‘Ë¡‡μ‘¡: ‡ß‘π ¥®à“¬√–À«à“ߪÀ√—∫: ¥Õ°‡∫’¬È ®à“¬ ¿“…’‡ß‘π‰¥âπμ‘ ∫‘ §ÿ §≈

2549

2548 (ª√—∫ª√ÿß„À¡à)

(Àπ૬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ 2549 2548 (ª√—∫ª√ÿß„À¡à)

-17,346,858 6,303,422 -11,043,436

-16,091,028 1,152,007 -14,939,021

-7,563,956 2,677,252 54,373,983 49,487,279

-14,095,286 667,194 83,314,973 69,886,881

1,383,119,388

115,000,000

853,000,000

-285,000,000

-235,000,000 -55,700,000

265,000,000 163,000,000

-235,000,000 -55,700,000

235,000,000 163,000,000

-1,050,000,000 1,000,000,000 -900,000,000 1,000,000,000 800,000,000 - 800,000,000 632,500,000 204,700,000 632,500,000 204,700,000 -742,809 -8,471,741 -742,809 -8,471,741 -69,000,000 -69,000,000 -69,000,000 -69,000,000 1,405,176,579 1,670,228,259 1,025,057,191 1,240,228,259 -1,323,400 -26,722,596 3,492,803 -37,912,785 -34,098,668 -7,376,072 -45,766,437 -7,853,652 -35,422,068 -34,098,668 -42,273,634 -45,766,437

387,555,735 38,322,071

210,797,029 38,390,668

319,878,550 29,694,575

178,407,663 35,095,199

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

49


À ¡“¬‡Àμÿª√–°Õ∫ß∫°“√‡ß‘π√«¡

................................................................................................................................................ ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) ·≈–∫√‘…—∑¬àÕ¬  ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548

1.

¢âÕ¡Ÿ≈∑—Ë«‰ª ∫√‘…—∑ ‡Õ‡´’¬‡ √‘¡°‘®≈’ ´‘Ëß ®”°—¥ (¡À“™π) (ç∫√‘…—∑œé) ®—¥μ—Èߢ÷Èπ‡ªìπ∫√‘…—∑¡À“™π·≈–¡’¿Ÿ¡‘≈”‡π“„πª√–‡∑»‰∑¬ ∫√‘…—∑œ¡’∫√‘…—∑ ‰™≈’  ‰ø·ππ´å ®”°—¥ ·≈–∫√‘…—∑ ‡Õ ‡§ ‡ÕÁπ‡μÕ√å‰æ√ å (ª√–‡∑»‰∑¬) ®”°—¥ ´÷Ë߇ªìπºŸâ∂◊ÕÀÿâπ°≈ÿࡇ¥’¬«°—π‡ªìπºŸâ∂◊ÕÀÿâπ„À≠à ∫√‘…—∑œ¥”‡π‘π ∏ÿ√°‘®À≈—°„π°“√„Àâ∫√‘°“√‡™à“´◊ÈÕ√∂¬πμå ‚¥¬¡’∑’ËÕ¬Ÿàμ“¡∑’Ë®¥∑–‡∫’¬π §◊Õ ‡≈¢∑’Ë 175 Õ“§“√ “∏√´‘μ’È∑“«‡«Õ√å ™—Èπ 24 ∂ππ “∑√„μâ ·¢«ß ∑ÿàß¡À“‡¡¶ ‡¢μ “∑√ °√ÿ߇∑æ¡À“π§√

2.

‡°≥±å „π°“√®—¥∑”ß∫°“√‡ß‘π ß∫°“√‡ß‘ππ’È®—¥∑”¢÷Èπμ“¡¡“μ√∞“π°“√∫—≠™’∑’Ë°”Àπ¥„πæ√–√“™∫—≠≠—μ‘«‘™“™’æ∫—≠™’ æ.». 2547 ·≈–°“√· ¥ß√“¬°“√„πß∫°“√ ‡ß‘π‰¥â∑”¢÷Èπ‡æ◊ËÕ„À⇪ìπ‰ªμ“¡¢âÕ°”Àπ¥„πª√–°“»°√¡æ—≤π“∏ÿ√°‘®°“√§â“≈ß«—π∑’Ë 14 °—𬓬π 2544 ÕÕ°μ“¡§«“¡„πæ√–√“™∫—≠≠—μ‘ °“√∫—≠™’ æ.». 2543 ß∫°“√‡ß‘ππ’È ‰¥â®—¥∑”¢÷Èπ‚¥¬„™â‡°≥±å√“§“∑ÿπ‡¥‘¡‡«âπ·μà®–‰¥â‡ªî¥‡º¬‡ªìπÕ¬à“ßÕ◊Ëπ„ππ‚¬∫“¬°“√∫—≠™’

3.

‡°≥±å „π°“√®—¥∑”ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π√«¡π’È ‰¥â®—¥∑”¢÷Èπ‚¥¬√«¡ß∫°“√‡ß‘π¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ ´÷Ëß¡’√“¬≈–‡Õ’¬¥¥—ßπ’È

∫√‘…—∑¬àÕ¬

∫√‘…—∑ °√ÿ߇∑æ·°√π¥å ·ª´‘øî§≈’ ®”°—¥ (¡À“™π)

≈—°…≥–∏ÿ√°‘®

‡™à“´◊ÈÕ ≈’ ´‘Ëß ·≈–√—∫´◊ÈÕ ‘∑∏‘ ‡√’¬°√âÕß®“°≈Ÿ°Àπ’È

Õ—μ√“√âÕ¬≈– ¢Õß°“√∂◊ÕÀÿπâ 2549 2548 (√âÕ¬≈–) (√âÕ¬≈–) 99.99 99.99

®—¥μ—Èߢ÷Èπ „πª√–‡∑»

‰∑¬

√âÕ¬≈–¢Õß ‘π∑√—æ¬å∑’Ë √«¡Õ¬Ÿà „π ‘π∑√—æ¬å√«¡ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 2548 (√âÕ¬≈–) (√âÕ¬≈–) 22.10 21.38

√âÕ¬≈–¢Õß√“¬‰¥â∑’Ë√«¡ Õ¬Ÿà „π√“¬‰¥â√«¡ ”À√—∫ªï  ‘Èπ ÿ¥«—π∑’Ë 31 ∏—𫓧¡ 2549 2548 (√âÕ¬≈–) (√âÕ¬≈–) 24.07 23.40

‡π◊ÕË ß®“°∫√‘…∑— œ·≈–∫√‘…∑— ¬àÕ¬¡’§≥–°√√¡°“√·≈–°≈ÿ¡à ºŸ∂â Õ◊ Àÿπâ ‡¥‘¡√à«¡°—π∑—ßÈ °àÕπ·≈–À≈—ß®“°∑’Ë∫√‘…∑— œ‡¢â“´◊ÕÈ °‘®°“√¢Õß∫√‘…∑— ¬àÕ¬ ¥—ßπ—Èπ ∫√‘…—∑œ®÷ß∫—π∑÷°º≈μà“ß√–À«à“ß¡Ÿ≈§à“μ“¡∫—≠™’¢Õß ‘π∑√—æ¬å ÿ∑∏‘¢Õß∫√‘…—∑¬àÕ¬·≈–√“§“∑ÿπ∑’Ë®à“¬´◊ÈÕ®”π«π 4.2 ≈â“π∫“∑ ‡ªìπ √“¬°“√„π à«π¢ÕߺŸâ∂◊ÕÀÿâπ ¬Õ¥§ß§â“ß√–À«à“ß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ √“¬°“√√–À«à“ß°—π∑’Ë¡’ “√– ”§—≠ ‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬μ“¡∫—≠™’¢Õß∫√‘…—∑œ·≈– à«π ¢ÕߺŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑¬àÕ¬‰¥âμ—¥ÕÕ°®“°ß∫°“√‡ß‘π√«¡π’È·≈â« 4.

50

°“√‡ª≈’ˬπ·ª≈ßπ‚¬∫“¬°“√∫—≠™’/¡“μ√∞“π°“√∫—≠™’ „À¡à∑’˪√–°“»„™â 4.1 „π‡¥◊Õπμÿ≈“§¡ 2549 ¿“«‘™“™’æ∫—≠™’ ‰¥âÕÕ°ª√–°“» ¿“«‘™“™’æ∫—≠™’ ©∫—∫∑’Ë 26/2549 ‡√◊ËÕß ¡“μ√∞“π°“√∫—≠™’ ©∫—∫∑’Ë 44 ‡√◊ËÕß ß∫°“√‡ß‘π√«¡·≈–°“√∫—≠™’ ”À√—∫‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬ (·°â ‰¢‡æ‘Ë¡‡μ‘¡ §√—Èß∑’Ë 1) ‚¥¬„Àâ·°â ‰¢°“√∫—π∑÷°∫—≠™’‡ß‘π≈ß∑ÿπ „π∫√‘…—∑¬àÕ¬ °‘®°“√∑’Ë¡’Õ”π“®§«∫§ÿ¡√à«¡ ·≈– ∫√‘…—∑√à«¡„πß∫°“√‡ß‘π‡©æ“–°‘®°“√®“°«‘∏’ à«π‰¥â‡ ’¬¡“‡ªìπ«‘∏’√“§“∑ÿπ ‚¥¬ °‘®°“√∑’Ë ‰¡àª√– ß§å®–„™â«‘∏’√“§“∑ÿπ„πªï 2549 °Á „Àâ „™â«‘∏’ à«π‰¥â‡ ’¬μ“¡‡¥‘¡®π∂÷ß ‘Èπªï 2549 ·≈–„Àâ „™â«‘∏’√“§“∑ÿπ‡√‘Ë¡μ—Èß·μà«—π∑’Ë 1 ¡°√“§¡ 2550 ∑—ßÈ π’∫√‘ È …∑— œ‡≈◊Õ°∑’®Ë –‡ª≈’¬Ë π·ª≈ß«‘∏°’ “√∫—π∑÷°∫—≠™’ „πªï 2550 Õ¬à“߉√°Áμ“¡ À“°∫√‘…∑— œ‡ª≈’¬Ë π·ª≈ß«‘∏°’ “√∫—π∑÷°∫—≠™’ „πªï 2549 °”‰√ ÿ∑∏‘ „πß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—𫓧¡ 2549 ®–≈¥≈߇ªìπ®”π«π‡ß‘πª√–¡“≥ 1.86 ≈â“π ∫“∑ (0.01 ∫“∑μàÕÀÿâπ) ·≈– à«π¢ÕߺŸâ∂◊ÕÀÿâπ„πß∫¥ÿ≈‡©æ“–∫√‘…—∑œ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ®–≈¥≈߇ªìπ®”π«π‡ß‘πª√–¡“≥ 10.80 ≈â“π∫“∑


4.2

5.

„πªï 2549 ∫√‘…—∑œ‰¥â‡ª≈’ˬπ·ª≈ßπ‚¬∫“¬°“√∫—≠™’‡°’ˬ«°—∫°“√√—∫√Ÿâ§à“π“¬Àπâ“®à“¬∑’ˇ°‘¥¢÷Èπ®“° —≠≠“‡™à“´◊ÈÕ ‚¥¬∫√‘…—∑œ√—∫√Ÿâ§à“ π“¬Àπâ“®à“¬μ“¡ —¥ à«π¢Õß√“¬‰¥â∑’Ë√—∫√Ÿâμ≈Õ¥Õ“¬ÿ¢Õß —≠≠“·∑π°“√√—∫√Ÿâ‡ªìπ§à“„™â®à“¬∑—π∑’ „πß«¥∑’ˇ°‘¥√“¬°“√μ“¡∑’ˇ§¬ªØ‘∫—μ‘ ¡“μ—Èß·μàªï 2545 ‡æ◊ËÕ„Àâß∫°“√‡ß‘π¢Õß∫√‘…—∑œ· ¥ß¢âÕ¡Ÿ≈∑“ß°“√‡ß‘πÕ¬à“߇À¡“– ¡¬‘Ëߢ÷Èπ „π°“√‡ª≈’ˬπ·ª≈ßπ‚¬∫“¬°“√∫—≠™’ ¥—ß°≈à“« ∫√‘…—∑œ‰¥âª√—∫¬âÕπÀ≈—ßß∫°“√‡ß‘π∑’Ë· ¥ß‡ª√’¬∫‡∑’¬∫‰«â ≥ ∑’Ëπ’È ‚¥¬∂◊Õ‡ ¡◊Õπ«à“∫√‘…—∑œ‰¥â „™â«‘∏’°“√∫—π∑÷°∫—≠™’¥—ß°≈à“« μ—Èß·μà‡√‘Ë¡μâπ °“√ª√—∫ª√ÿßπ’È∑”„Àâ∫√‘…—∑œ¡’°”‰√ ÿ∑∏‘ ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ‡æ‘Ë¡¢÷Èπ®”π«π 11.5 ≈â“π∫“∑ ·≈– 7.8 ≈â“π∫“∑ μ“¡≈”¥—∫ º≈ – ¡¢Õß°“√ª√—∫ª√ÿß®“°Õ¥’μ∂÷ßμâπªï 2548 ‰¥â· ¥ß‰«â „πÀ—«¢âÕ çº≈ – ¡®“°°“√ ‡ª≈’ˬπ·ª≈ßπ‚¬∫“¬°“√∫—≠™’‡°’ˬ«°—∫°“√√—∫√Ÿâ§à“π“¬Àπâ“®à“¬é „πß∫· ¥ß°“√‡ª≈’ˬπ·ª≈ß à«π¢ÕߺŸâ∂◊ÕÀÿâπ

π‚¬∫“¬°“√∫—≠™’∑’Ë ”§—≠ 5.1 °“√√—∫√Ÿâ√“¬‰¥â °) √“¬‰¥â®“°¥Õ°º≈‡™à“´◊ÈÕ/√“¬‰¥â®“° —≠≠“‡™à“°“√‡ß‘π/√“¬‰¥â¥Õ°‡∫’Ȭ®“°‡ß‘π„Àâ°Ÿâ¬◊¡ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬√—∫√Ÿâ√“¬‰¥â®“°¥Õ°º≈‡™à“´◊ÈÕ √“¬‰¥â®“° —≠≠“‡™à“°“√‡ß‘π·≈–√“¬‰¥â¥Õ°‡∫’Ȭ®“°‡ß‘π„Àâ°Ÿâ ¬◊¡μ“¡Õ—μ√“º≈μÕ∫·∑π∑’·Ë ∑â®√‘ßμ“¡√–¬–‡«≈“¢Õß —≠≠“ ‚¥¬®–√—∫√Ÿâ „π«—π∑’∂Ë ß÷ °”Àπ¥™”√–§à“ß«¥ ‰¡à«“à ®–‡°Á∫‡ß‘π‰¥âÀ√◊Õ‰¡à ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬À¬ÿ¥√—∫√Ÿâ√“¬‰¥â‡¡◊ËÕ≈Ÿ°Àπ’ȧâ“ß™”√–§à“ß«¥‡°‘π°«à“ 6 ß«¥ ¢) √“¬‰¥â®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß ∫√‘…—∑¬àÕ¬∫—π∑÷°√“¬‰¥â§à“∏√√¡‡π’¬¡∑’ˇ°’ˬ«¢âÕß°—∫°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕ߇¡◊ËÕ‰¥â∑” —≠≠“‚Õπ ‘∑∏‘‡√’¬°√âÕß·≈–√—∫ √Ÿâ√“¬‰¥â¥Õ°‡∫’Ȭ®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕßμ“¡‡°≥±å —¥ à«π¢Õ߇«≈“ ∫√‘…—∑¬àÕ¬À¬ÿ¥√—∫√Ÿâ√“¬‰¥â¥Õ°‡∫’Ȭ‡¡◊ËÕ≈Ÿ°Àπ’ȧâ“ß ™”√–‡°‘π°«à“ 4 ‡¥◊Õπ §) √“¬‰¥â§à“‡™à“μ“¡ —≠≠“‡™à“¥”‡π‘πß“π ∫√‘…—∑¬àÕ¬√—∫√Ÿâ√“¬‰¥â§à“‡™à“μ“¡ —≠≠“‡™à“¥”‡π‘πß“πμ“¡√–¬–‡«≈“°“√‡™à“ ß) √“¬‰¥â®“°§à“ª√—∫≈à“™â“ √“¬‰¥â®“°§à“ª√—∫≈à“™â“√—∫√Ÿâ‡ªìπ√“¬‰¥âμ“¡®”π«π∑’Ë ‰¥â√—∫®√‘ß ®) √“¬‰¥â®“°°“√·π–π”≈Ÿ°§â“‡°’ˬ«°—∫ª√–°—π¿—¬ √“¬‰¥â®“°°“√·π–π”≈Ÿ°§â“‡°’ˬ«°—∫ª√–°—π¿—¬√—∫√Ÿâ‡ªìπ√“¬‰¥âμ“¡‡°≥±å§ß§â“ß 5.2

μâπ∑ÿπ∑“ßμ√ß∑’ˇ°‘¥¢÷Èπ®“° —≠≠“‡™à“´◊ÈÕ μâπ∑ÿπ∑“ßμ√ß∑’ˇ°‘¥¢÷Èπ®“° —≠≠“‡™à“´◊ÈÕ ‡™àπ §à“π“¬Àπâ“®à“¬ ‡ªìπμâπ ®–√—∫√Ÿâ‡ªìπ§à“„™â®à“¬„πß∫°”‰√¢“¥∑ÿπμ“¡  —¥ à«π¢Õß√“¬‰¥â∑’Ë√—∫√Ÿâμ≈Õ¥Õ“¬ÿ —≠≠“

5.3

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

5.4

≈Ÿ°Àπ’È·≈–§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ  —≠≠“‡™à“°“√‡ß‘π ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·≈–≈Ÿ°Àπ’ȇߑπ„Àâ°Ÿâ¬◊¡ · ¥ß¥â«¬®”π«πÀπ’餧 ‡À≈◊Õμ“¡ —≠≠“À—°¥â«¬¥Õ°º≈‡™à“´◊ÈÕ·≈–¥Õ°‡∫’Ȭ∑’ˬ—߉¡à∂◊Õ‡ªìπ√“¬‰¥â·≈– §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ∫√‘…—∑œμ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ”À√—∫≈Ÿ°Àπ’ȇ™à“´◊ÈÕ·≈–≈Ÿ°Àπ’ȇߑπ„Àâ°Ÿâ¬◊¡μ“¡º≈¢“¥∑ÿπ ‚¥¬ª√–¡“≥∑’ËÕ“®®–‡°Á∫‡ß‘π®“° ≈Ÿ°Àπ’È ‰¡à ‰¥â ‚¥¬æ‘®“√≥“®“° ∂“π–ªí®®ÿ∫—π¢Õß≈Ÿ°Àπ’ȧߧâ“ß §«“¡ “¡“√∂„π°“√™”√–Àπ’È¢Õß≈Ÿ°Àπ’È ª√– ∫°“√≥å·≈–¢âÕ¡Ÿ≈ §«“¡‡ ’¬À“¬∑’ˇ°‘¥¢÷Èπ®√‘ß„πÕ¥’μ ∫√‘…—∑¬àÕ¬μ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ”À√—∫≈Ÿ°Àπ’ȇ™à“´◊ÈÕ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ≈Ÿ°Àπ’È ‡ß‘π°Ÿâ¬◊¡·≈–≈Ÿ°Àπ’È®“°°“√ ´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß ´÷Ë߇ªìπÀπ’È∑’ˇ°‘¥®“° ‘π‡™◊ËÕ‡æ◊ËÕ°“√æ“≥‘™¬å (Commercial loan) ‚¥¬æ‘®“√≥“®“° ∂“π–·≈–§«“¡ “¡“√∂„π °“√™”√–Àπ’È¢Õß≈Ÿ°Àπ’È·≈–¡Ÿ≈§à“À≈—°ª√–°—π 51


5.5

‘π∑√—æ¬å√Õ°“√¢“¬  ‘π∑√—æ¬å√Õ°“√¢“¬‡ªìπ ‘π∑√—æ¬å´÷Ë߉¥â¬÷¥¡“®“°≈Ÿ°Àπ’ȇ™à“´◊ÈÕ·≈–≈Ÿ°Àπ’È —≠≠“‡™à“°“√‡ß‘π ·≈–‰¥â· ¥ß‰«â „π√“§“∑ÿπ (´÷Ëß  à«π„À≠àª√–°Õ∫¥â«¬§à“ß«¥∑’˧â“ß™”√– ÿ∑∏‘) À√◊Õ¡Ÿ≈§à“ ÿ∑∏‘∑’˧“¥«à“®–¢“¬‰¥â·≈â«·μà√“§“„¥®–μË”°«à“ ‚¥¬°“√μ—Èß§à“‡º◊ËÕ¡Ÿ≈§à“≈¥ ≈ß ”À√—∫ ‘π∑√—æ¬å∑’ˬ÷¥§◊π

5.6

‡ß‘π≈ß∑ÿπ ‡ß‘π≈ß∑ÿπ„πÀ≈—°∑√—æ¬å‡æ◊Ëէ⓷ ¥ßμ“¡¡Ÿ≈§à“¬ÿμ‘∏√√¡ ∫√‘…—∑œ∫—π∑÷°°“√‡ª≈’ˬπ·ª≈ß¡Ÿ≈§à“¢ÕßÀ≈—°∑√—æ¬å‡ªìπ√“¬°“√ °”‰√À√◊Õ¢“¥∑ÿπ„πß∫°”‰√¢“¥∑ÿπ ¡Ÿ≈§à“¬ÿμ‘∏√√¡¢ÕßÀ≈—°∑√—æ¬å „𧫓¡μâÕß°“√¢Õßμ≈“¥§”π«≥®“°√“§“‡ πÕ´◊ÈÕÀ≈—ß ÿ¥ ≥  ‘Èπ«—π∑”°“√ ÿ¥∑⓬¢Õßªï ¢Õßμ≈“¥À≈—°∑√—æ¬å·Ààߪ√–‡∑»‰∑¬ ‡ß‘π≈ß∑ÿπ„πμ√“ “√∑ÿπ∑’ˉ¡àÕ¬Ÿà „𧫓¡μâÕß°“√¢Õßμ≈“¥∂◊Õ‡ªìπ‡ß‘π≈ß∑ÿπ∑—«Ë ‰ª´÷ßË · ¥ß„π√“§“∑ÿπ ÿ∑∏‘®“°§à“‡º◊ÕË °“√¥âÕ¬§à“ (∂â“¡’) ‡ß‘π≈ß∑ÿπ„π∫√‘…—∑¬àÕ¬„πß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ· ¥ß¡Ÿ≈§à“μ“¡«‘∏’ à«π‰¥â‡ ’¬ ´÷Ëß°“√∫—π∑÷°μ“¡«‘∏’ à«π‰¥â‡ ’¬π’È ‡ß‘π ≈ß∑ÿπ®–∫—π∑÷°§√—Èß·√°„π√“§“∑ÿπ∑’Ë´◊ÈÕ¡“ ·≈–®–∂Ÿ°ª√—∫¥â«¬ à«π‰¥â‡ ’¬¢Õß∫√‘…—∑œ„πº≈°“√¥”‡π‘πß“π·μà≈–ªï¢Õß∫√‘…—∑¬àÕ¬ μ“¡Õ—μ√“ à«π°“√≈ß∑ÿπ¢Õß∫√‘…—∑œ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬„™â«‘∏’∂—«‡©≈’ˬ∂à«ßπÈ”Àπ—°„π°“√§”π«≥μâπ∑ÿπ¢Õ߇ߑπ≈ß∑ÿπ

5.7

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

52

5.8

√“¬°“√∏ÿ√°‘®°—∫∫ÿ§§≈À√◊Õ°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π ∫ÿ§§≈À√◊Õ°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π°—∫∫√‘…—∑œ À¡“¬∂÷ß ∫ÿ§§≈À√◊Õ°‘®°“√∑’Ë¡’Õ”π“®§«∫§ÿ¡∫√‘…—∑œ À√◊Õ∂Ÿ°§«∫§ÿ¡‚¥¬∫√‘…—∑œ ‰¡à«à“®–‡ªìπ‚¥¬∑“ßμ√ßÀ√◊Õ∑“ßÕâÕ¡ À√◊ÕÕ¬Ÿà¿“¬„μâ°“√§«∫§ÿ¡‡¥’¬«°—π°—∫∫√‘…—∑œ πÕ°®“°π’È ∫ÿ§§≈À√◊Õ°‘®°“√∑’‡Ë °’¬Ë «¢âÕß°—π¬—ßÀ¡“¬√«¡∂÷ß∫√‘…∑— √à«¡·≈–∫ÿ§§≈´÷ßË ¡’Õ∑‘ ∏‘æ≈Õ¬à“߇ªìπ “√– ”§—≠°—∫∫√‘…∑— œ ºŸâ∫√‘À“√ ”§—≠ °√√¡°“√À√◊Õæπ—°ß“π¢Õß∫√‘…—∑œ∑’Ë¡’Õ”π“®„π°“√«“ß·ºπ·≈–§«∫§ÿ¡°“√¥”‡π‘πß“π¢Õß∫√‘…—∑œ

5.9

—≠≠“‡™à“ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬„π∞“π–ºŸâ „Àâ‡™à“  —≠≠“‡™à“∑’˧«“¡‡ ’ˬ߷≈–º≈μÕ∫·∑π¢Õߧ«“¡‡ªìπ‡®â“¢Õß à«π„À≠à ‰¥â ‚Õπ‰ª„ÀâºŸâ‡™à“ ‚¥¬Õ“®®–¬—߉¡à¡’°“√‚Õπ°√√¡  ‘∑∏‘μ“¡°ÆÀ¡“¬∂◊Õ‡ªìπ —≠≠“‡™à“°“√‡ß‘π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–∫—π∑÷°≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ·≈– —≠≠“‡™à“°“√‡ß‘π¥â«¬ ®”π«π∑’Ë®–‰¥â√—∫μ“¡ —≠≠“À—°¥â«¬√“¬‰¥â∑“ß°“√‡ß‘π∑’ˬ—߉¡à‡°‘¥¢÷Èπ √“¬‰¥â¥Õ°º≈®“°°“√„À⇙à“√—∫√Ÿâ‡ªìπ√“¬‰¥âμ“¡Õ—μ√“º≈ μÕ∫·∑π∑’Ë·∑â®√‘ßμ“¡√–¬–‡«≈“¢Õß —≠≠“‡™à“  —≠≠“‡™à“∑’Ë∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¬—ߧߡ’§«“¡‡ ’ˬ߷≈–‰¥â√—∫º≈μÕ∫·∑π¢Õߧ«“¡‡ªìπ‡®â“¢Õß à«π„À≠à∂◊Õ‡ªìπ —≠≠“‡™à“ ¥”‡π‘πß“π


5.10 ‡ß‘πμ√“μà“ߪ√–‡∑» √“¬°“√∑’ˇªìπ‡ß‘πμ√“μà“ߪ√–‡∑»·ª≈ß§à“‡ªìπ‡ß‘π∫“∑‚¥¬„™âÕ—μ√“·≈°‡ª≈’ˬπ ≥ «—π∑’Ë∑’ˇ°‘¥√“¬°“√ ‘π∑√—æ¬å·≈–Àπ’È  ‘π∑’‡Ë ªìπμ—«‡ß‘π∑’‡Ë ªìπ‡ß‘πμ√“μà“ߪ√–‡∑»§ß‡À≈◊ÕÕ¬Ÿà ≥ «—π∑’Ë „πß∫¥ÿ≈·ª≈ß§à“‡ªìπ‡ß‘π∫“∑‚¥¬„™âÕμ— √“·≈°‡ª≈’¬Ë π ≥ «—π∑’Ë „πß∫¥ÿ≈ °”‰√·≈–¢“¥∑ÿπ∑’ˇ°‘¥®“°°“√‡ª≈’ˬπ·ª≈ß„πÕ—μ√“·≈°‡ª≈’ˬπ√«¡Õ¬Ÿà „π°“√§”π«≥º≈°“√¥”‡π‘πß“π 5.11 °“√¥âÕ¬§à“¢Õß ‘π∑√—æ¬å ∑ÿ°«—π∑’Ë „πß∫¥ÿ≈ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–∑”°“√ª√–‡¡‘π«à“¡’¢âÕ∫àß™’È´÷Ëß· ¥ß«à“ ‘π∑√—æ¬å¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¥âÕ¬§à“ ≈ßÀ√◊Õ‰¡à À“°¡’¢âÕ∫àß™’È¢Õß°“√¥âÕ¬§à“ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–∑”°“√ª√–¡“≥¡Ÿ≈§à“∑’˧“¥«à“®–‰¥â√—∫§◊π¢Õß ‘π∑√—æ¬å ·≈–À“° æ∫«à“√“§“μ“¡∫—≠™’¢Õß ‘π∑√—æ¬åπ—Èπ¡’¡Ÿ≈§à“ Ÿß°«à“¡Ÿ≈§à“∑’˧“¥«à“®–‰¥â√—∫§◊π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®–≈¥¡Ÿ≈§à“¢Õß ‘π∑√—æ¬å≈ß„Àâ ‡∑à“°—∫¡Ÿ≈§à“∑’˧“¥«à“®–‰¥â√—∫§◊π ·≈–√—∫√Ÿâº≈¢“¥∑ÿπ®“°°“√¥âÕ¬§à“¢Õß ‘π∑√—æ¬å„πß∫°”‰√¢“¥∑ÿπ ¡Ÿ≈§à“∑’˧“¥«à“®–‰¥â√—∫§◊π¢Õß  ‘π∑√—æ¬åÀ¡“¬∂÷ß√“§“¢“¬ ÿ∑∏‘À√◊Õ¡Ÿ≈§à“®“°°“√„™â¢Õß ‘π∑√—æ¬åπ—Èπ·≈â«·μà®”π«π„¥®– Ÿß°«à“ 5.12 º≈ª√–‚¬™πåæπ—°ß“π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬√—∫√Ÿâ ‡ß‘π‡¥◊Õπ §à“®â“ß ‚∫π—  ·≈–‡ß‘π ¡∑∫°Õß∑ÿπª√–°—π —ߧ¡·≈–°Õß∑ÿπ ”√Õ߇≈’Ȭߙ’懪ìπ§à“ „™â®à“¬‡¡◊ËÕ‡°‘¥√“¬°“√ 5.13 ¿“…’‡ß‘π‰¥â ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬∫—π∑÷°¿“…’‡ß‘π‰¥â ‚¥¬§”π«≥®“°°”‰√ ÿ∑∏‘∑“ß¿“…’μ“¡°ÆÀ¡“¬¿“…’Õ“°√ 5.14  —≠≠“·≈°‡ª≈’ˬπÕ—μ√“¥Õ°‡∫’Ȭ ∫√‘…—∑œ√—∫√Ÿâ®”π«π ÿ∑∏‘¢Õߥհ‡∫’Ȭ∑’Ë ‰¥â√—∫®“°/®à“¬„Àⷰয়ࠗ≠≠“μ“¡ —≠≠“·≈°‡ª≈’ˬπÕ—μ√“¥Õ°‡∫’Ȭ‡ªìπ√“¬‰¥â/§à“„™â ®à“¬„πß∫°”‰√¢“¥∑ÿπμ“¡‡°≥±å§ß§â“ß 5.15 °“√„™âª√–¡“≥°“√∑“ß∫—≠™’ „π°“√®—¥∑”ß∫°“√‡ß‘πμ“¡À≈—°°“√∫—≠™’∑’Ë√—∫√Õß∑—Ë«‰ª „π∫“ß ∂“π°“√≥åΩÉ“¬∫√‘À“√Õ“®μâÕß„™â°“√ª√–¡“≥·≈–°“√μ—Èß  ¡¡μ‘∞“π ´÷Ëß¡’º≈°√–∑∫μàÕ®”π«π‡ß‘π∑’Ë· ¥ß„πß∫°“√‡ß‘π·≈–À¡“¬‡Àμÿª√–°Õ∫ß∫°“√‡ß‘π ¥â«¬‡Àμÿπ’È º≈∑’ˇ°‘¥¢÷Èπ®√‘ß®÷ßÕ“® ·μ°μà“߉ª®“°®”π«π∑’˪√–¡“≥‰«â 6.

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ 6.1 ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕª√–°Õ∫¥â«¬ (Àπ૬: ∫“∑)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’ˬ—߉¡à∂◊Õ‡ªìπ√“¬‰¥â √«¡ À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ -  ÿ∑∏‘

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëߪï 2549 2548 3,873,508,091 3,096,240,542 (597,131,637) (470,063,638) 3,276,376,454 2,626,176,904 (37,889,615) (25,173,987) 3,238,486,839 2,601,002,917

ß∫°“√‡ß‘π√«¡ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëߪï √«¡ 2549 2548 2549 2548 5,406,300,475 4,476,016,646 9,279,808,566 7,572,257,188 (518,724,044) (403,790,042) (1,115,855,681) (873,853,680) 4,887,576,431 4,072,226,604 8,163,952,885 6,698,403,508 (50,446,622) (34,130,189) (88,336,237) (59,304,176) 4,837,129,809 4,038,096,415 8,075,616,648 6,639,099,332

53


(Àπ૬: ∫“∑)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ À—°: ¥Õ°º≈‡™à“´◊ÈÕ∑’ˬ—߉¡à∂◊Õ‡ªìπ√“¬‰¥â √«¡ À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ -  ÿ∑∏‘

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëߪï 2549 2548 3,279,237,159 2,761,403,158 (515,275,435) (428,188,002) 2,763,961,724 2,333,215,156 (23,716,333) (17,688,122) 2,740,245,391 2,315,527,034

ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëߪï 2549 2548 4,892,255,050 4,150,212,961 (475,204,011) (375,764,390) 4,417,051,039 3,774,448,571 (37,900,536) (28,615,862) 4,379,150,503 3,745,832,709

√«¡ 2549 8,171,492,209 (990,479,446) 7,181,012,763 (61,616,869) 7,119,395,894

2548 6,911,616,119 (803,952,392) 6,107,663,727 (46,303,984) 6,061,359,743

6.2

≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ ( ÿ∑∏‘®“°¥Õ°º≈‡™à“´◊ÈÕ∑’ˬ—߉¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”·π°μ“¡Õ“¬ÿ Àπ’È ‰¥â¥—ßπ’È (Àπ૬: ∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ Õ“¬ÿÀπ’§È “â ß™”√– 2549 2548 2549 2548 ¬—߉¡à§√∫°”Àπ¥™”√– 7,537,409,714 6,179,661,654 6,612,521,472 5,604,423,610 §â“ß™”√– 1 ß«¥ - 3 ß«¥ 550,456,708 461,382,041 511,176,033 450,397,267 4 ß«¥ - 6 ß«¥ 44,260,375 30,987,514 35,129,930 30,987,514 7 ß«¥ - 12 ß«¥ 22,758,681 18,627,753 16,539,160 18,589,149 ‡°‘π°«à“ 12 ß«¥¢÷Èπ‰ª 9,067,407 7,744,546 5,646,168 3,266,187 √«¡ 8,163,952,885 6,698,403,508 7,181,012,763 6,107,663,727 À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (88,336,237) (59,304,176) (61,616,869) (46,303,984) ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ -  ÿ∑∏‘ 8,075,616,648 6,639,099,332 7,119,395,894 6,061,359,743 6.3

‡¡◊ËÕ«—π∑’Ë 30 ‡¡…“¬π 2547 ¡“§¡π—°∫—≠™’·≈–ºŸâ Õ∫∫—≠™’√—∫Õπÿ≠“μ·Ààߪ√–‡∑»‰∑¬‚¥¬§«“¡‡ÀÁπ™Õ∫¢Õß ”π—°ß“π§≥– °√√¡°“√°”°—∫À≈—°∑√—æ¬å·≈–μ≈“¥À≈—°∑√—æ¬å ‰¥â°”Àπ¥·π«ªØ‘∫—μ‘∑“ß °“√∫—≠™’ ”À√—∫∏ÿ√°‘® ‘π‡™◊ËÕ‡æ◊ËÕ°“√Õÿª ‚¿§∫√‘ ‚¿§ (Consumer Finance) ‚¥¬„Àâ∫—π∑÷°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‡μÁ¡®”π«π·≈–À¬ÿ¥√—∫√Ÿâ√“¬‰¥â ”À√—∫≈Ÿ°Àπ’È∑’˧â“ß™”√–‡°‘π°«à“ 3 ß«¥ ·≈–∫—π∑÷° ”√Õß∑—Ë«‰ª ”À√—∫≈Ÿ°Àπ’È∑’Ë ‰¡à§â“ß™”√–§à“ß«¥À√◊Õ§â“ß™”√–§à“ß«¥‰¡à‡°‘π°«à“ 3 ß«¥ ´÷ËßÀ“°∫√‘…—∑œμâÕߪؑ∫—μ‘μ“¡ ·π«∑“ߥ—ß°≈à“« ‚¥¬‰¡àæ‘®“√≥“∂÷ß ”√Õß∑—Ë«‰ª ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ∫√‘…—∑œμâÕß∫—π∑÷°§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠≈¥≈߇ªìπ ®”π«π‡ß‘πª√–¡“≥ 4.30 ≈â“π∫“∑ (2548: ‡æ‘Ë¡¢÷Èπ 6.54 ≈â“π∫“∑) ·≈–μâÕß√—∫√Ÿâ√“¬‰¥â ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—𫓧¡ 2549 μË”≈߇ªìπ®”π«π‡ß‘πª√–¡“≥ 0.32 ≈â“π∫“∑ (2548: 0.37 ≈â“π∫“∑) Õ¬à“߉√°Áμ“¡ ·π«ªØ‘∫—μ‘¥—ß°≈à“«‰¥â „Àâ∑“߇≈◊Õ°‰«â ‚¥¬À“°∫√‘…—∑„¥‡ÀÁπ«à“·π«∑“ߪؑ∫—μ‘π’È ‰¡à‡À¡“– ¡„À⇪º¬ ·π«∑“ß∑’Ë∫√‘…—∑„™âæ√âÕ¡‡Àμÿº≈ª√–°Õ∫ ∑—Èßπ’È∫√‘…—∑œ¡’π‚¬∫“¬„π°“√À¬ÿ¥√—∫√Ÿâ√“¬‰¥â ”À√—∫≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’˧â“ß™”√–§à“ ß«¥‡°‘π°«à“ 6 ß«¥ ·≈–∫√‘…—∑œ‰¥âª√–¡“≥§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‚¥¬æ‘®“√≥“ ∂“π– §«“¡ “¡“√∂„π°“√™”√–Àπ’È¢Õß≈Ÿ°Àπ’È ª√– ∫°“√≥å·≈–¢âÕ¡Ÿ≈ §«“¡‡ ’¬À“¬∑’ˇ°‘¥¢÷Èπ®√‘ß„πÕ¥’μ ´÷Ëß ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ∫√‘…—∑œ‰¥âμ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ¢Õß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ‚¥¬‡©≈’ˬ„πÕ—μ√“√âÕ¬≈– 0.86 ¢Õ߬ե§ß‡À≈◊Õ¢Õß≈Ÿ°Àπ’È¥—ß°≈à“« ‚¥¬‰¡àÀ—°À≈—°ª√–°—π´÷Ëß Ÿß°«à“ Õ—μ√“√âÕ¬≈– 0.57 ´÷Ë߇ªìπÕ—μ√“§«“¡‡ ’¬À“¬®“°°“√‡°Á∫Àπ’È∑’ˇ°‘¥¢÷Èπ„π√–À«à“ß ªï 2545 ∂÷ß 31 ∏—𫓧¡ 2549 ¢Õß≈Ÿ°Àπ’È μ“¡ —≠≠“‡™à“´◊Èէ߇À≈◊Õ ≥ «—π ‘Èπªï 2544 ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ¬Õ¥§ß‡À≈◊Õ¢Õß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’˧â“ß™”√–§à“ß«¥‡°‘π°«à“ 3 ß«¥ ∑’Ë∫√‘…—∑œ¬—ߧß√—∫√Ÿâ√“¬ ‰¥â¡’®”π«π‡ß‘πª√–¡“≥ 31.15 ≈â“π∫“∑ (2548: 29.47 ≈â“π∫“∑)

54


6.4

6.5

7.

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑¬àÕ¬√«¡∑—Èß≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ≈Ÿ°Àπ’ȇߑπ°Ÿâ¬◊¡·≈–≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕ߇ªìπ Àπ’È∑’ˇ°‘¥®“° ‘π‡™◊ËÕ‡æ◊ËÕ°“√æ“≥‘™¬å (Commercial loan) ∫√‘…—∑¬àÕ¬‰¥â∫—π∑÷° §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠¢Õß≈Ÿ°Àπ’È¥—ß°≈à“«‚¥¬ æ‘®“√≥“®“° ∂“π–·≈–§«“¡ “¡“√∂„π°“√™”√–Àπ’È¢Õß≈Ÿ°Àπ’È·≈–¡Ÿ≈§à“À≈—°ª√–°—π ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ∫√‘…—∑œ‰¥â ‚Õπ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ (°àÕπÀ—°¥Õ°º≈‡™à“´◊ÈÕ∑’ˬ—߉¡à∂◊Õ ‡ªìπ√“¬‰¥â) ®”π«π 3,013.58 ≈â“π∫“∑ ·≈– 698.91 ≈â“π∫“∑ μ“¡≈”¥—∫ ‡æ◊ËÕ §È”ª√–°—π«ß‡ß‘π ‘π‡™◊ËÕ∑’ˉ¥â√—∫®“°∏𓧓√ æ“≥‘™¬åμ“¡∑’Ë°≈à“«‰«â „πÀ¡“¬‡Àμÿ 15 ·≈– 17 ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â ( ÿ∑∏‘®“°¥Õ°º≈‡™à“ ´◊ÈÕ∑’ˬ—߉¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”π«π√«¡ 30.08 ≈â“π∫“∑·≈– 26.48 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ: 28.94 ≈â“π∫“∑·≈– 24.38 ≈â“π∫“∑ μ“¡≈”¥—∫)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π 7.1 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ª√–°Õ∫¥â«¬ (Àπ૬: ∫“∑)

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π À—°: ¥Õ°‡∫’Ȭ∑’ˬ—߉¡à∂◊Õ‡ªìπ√“¬‰¥â √«¡ À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π -  ÿ∑∏‘

≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëߪï 2549 2548 353,389,809 370,559,360 (43,880,013) (47,812,722) 309,509,796 322,746,638 (9,853,226) (9,223,646) 299,656,570 313,522,992

ß∫°“√‡ß‘π√«¡ ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëߪï 2549 2548 301,392,848 338,297,926 (26,889,789) (25,061,686) 274,503,059 313,236,240 (6,384,777) (6,295,964) 268,118,282 306,940,276

√«¡ 2549 654,782,657 (70,769,802) 584,012,855 (16,238,003) 567,774,852

2548 708,857,286 (72,874,408) 635,982,878 (15,519,610) 620,463,268

7.2

≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π ( ÿ∑∏‘®“°¥Õ°‡∫’Ȭ∑’ˬ—߉¡à∂◊Õ‡ªìπ√“¬‰¥â) ®”·π°μ“¡Õ“¬ÿ Àπ’È ‰¥â¥—ßπ’È (Àπ૬: ∫“∑) ß∫°“√‡ß‘π√«¡ Õ“¬ÿÀπ’È°“√§â“ß™”√– 2549 2548 ¬—߉¡à§√∫°”Àπ¥™”√– 549,859,285 611,900,965 §â“ß™”√– 1 ß«¥ - 3 ß«¥ 16,292,705 17,933,535 4 ß«¥ - 6 ß«¥ 4,928,155 1,547,785 7 ß«¥ - 12 ß«¥ 6,777,453 138,676 ‡°‘π°«à“ 12 ß«¥¢÷Èπ‰ª 6,155,257 4,461,917 √«¡ 584,012,855 635,982,878 À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ (16,238,003) (15,519,610) ≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π -  ÿ∑∏‘ 567,774,852 620,463,268 7.3

≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“°“√‡ß‘π∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â ( ÿ∑∏‘®“°¥Õ°‡∫’Ȭ∑’ˬ—߉¡à∂◊Õ ‡ªìπ√“¬‰¥â) ®”π«π√«¡ 5.34 ≈â“π∫“∑ ·≈– 2.79 ≈â“π∫“∑ μ“¡≈”¥—∫

55


8.

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß 8.1 ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ª√–°Õ∫¥â«¬ (Àπ૬: ∫“∑)

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß À—°: ‡®â“Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß À—°: ¥Õ°‡∫’Ȭ√—∫√Õμ—¥∫—≠™’ √«¡ À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß -  ÿ∑∏‘

8.2

≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß ∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëߪï 2549 2548 596,071,081 497,078,068 (129,084,423) (105,368,527) (2,142,895) (2,457,186) 464,843,763 389,252,355 (17,393,611) (7,591,877) 447,450,152 381,660,478

ß∫°“√‡ß‘π√«¡ ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëߪï 2549 2548 18,694,311 26,693,348 (1,272,522) (1,767,964) 17,421,789 24,925,384 (687,034) (494,824) 16,734,755 24,430,560

√«¡ 2549 614,765,392 (129,084,423) (3,415,417) 482,265,552 (18,080,645) 464,184,907

2548 523,771,416 (105,368,527) (4,225,150) 414,177,739 (8,086,701) 406,091,038

≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß -  ÿ∑∏‘ ®”·π°μ“¡Õ“¬ÿÀπ’ȉ¥â¥—ßπ’È (Àπ૬: ∫“∑) ß∫°“√‡ß‘π√«¡ Õ“¬ÿÀπ’§È “â ß™”√–

¬—߉¡à§√∫°”Àπ¥™”√– §â“ß™”√– 1 ‡¥◊Õπ - 3 ‡¥◊Õπ 4 ‡¥◊Õπ - 6 ‡¥◊Õπ 7 ‡¥◊Õπ - 12 ‡¥◊Õπ ‡°‘π°«à“ 12 ‡¥◊Õπ¢÷Èπ‰ª √«¡ À—°: §à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠ ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß -  ÿ∑∏‘

56

2549 463,260,025

2548 397,456,864

2,949,509 919,636 114,437 15,021,945 482,265,552 (18,080,645) 464,184,907

12,225,046 4,495,829 414,177,739 (8,086,701) 406,091,038

8.3

≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ∫√‘…—∑¬àÕ¬‰¥â ‚Õπ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß (°àÕπÀ—°‡®â“Àπ’È®“° °“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·≈–¥Õ°‡∫’Ȭ√—∫√Õμ—¥∫—≠™’) ®”π«π 189.15 ≈â“π∫“∑ ·≈– 155.47 ≈â“π∫“∑ μ“¡≈”¥—∫ ‡æ◊ËէȔª√–°—π «ß‡ß‘π ‘π‡™◊ËÕ∑’Ë ‰¥â√—∫®“°∏𓧓√æ“≥‘™¬åμà“ߪ√–‡∑»·ÀàßÀπ÷Ëßμ“¡∑’Ë°≈à“«‰«â „πÀ¡“¬‡Àμÿ 15

8.4

≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ∫√‘…—∑¬àÕ¬¡’≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß∑’ËÀ¬ÿ¥√—∫√Ÿâ√“¬‰¥â ( ÿ∑∏‘®“°‡®â“Àπ’È®“°°“√ ´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·≈–¥Õ°‡∫’Ȭ√—∫√Õμ—¥∫—≠™’) ®”π«π 15.14 ≈â“π∫“∑ ·≈– 4.40 ≈â“π∫“∑ μ“¡≈”¥—∫


9.

≈Ÿ°Àπ’ȇߑπ„Àâ°Ÿâ¬◊¡ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ≈Ÿ°Àπ’ȇߑπ„Àâ°Ÿâ¬◊¡· ¥ß‰¥â¥—ßπ’È (Àπ૬: ∫“∑)

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

≈Ÿ°Àπ’ȇߑπ„Àâ°Ÿâ¬◊¡ ∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëߪï 2549 2548 49,883,510 7,713,219 (1,225,149) (1,017,278) 48,658,361 6,695,941

ß∫°“√‡ß‘π√«¡ ≈Ÿ°Àπ’ȇߑπ„Àâ°Ÿâ¬◊¡ ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëߪï 2549 2548 10,501,263 (52,506) 10,448,757 -

√«¡ 2549 60,384,773 (1,277,655) 59,107,118

2548 7,713,219 (1,017,278) 6,695,941 (Àπ૬: ∫“∑)

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

10.

≈Ÿ°Àπ’ȇߑπ„Àâ°Ÿâ¬◊¡ ∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëߪï 2549 2548 40,384,773 7,713,219 (1,177,655) (1,017,278) 39,207,118 6,695,941

ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ ≈Ÿ°Àπ’ȇߑπ„Àâ°Ÿâ¬◊¡ ∑’Ë∂÷ß°”Àπ¥™”√–‡°‘π°«à“Àπ÷Ëߪï 2549 2548 -

2549 40,384,773 (1,177,655) 39,207,118

2548 7,713,219 (1,017,278) 6,695,941

‘π∑√—æ¬å√Õ°“√¢“¬ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548  ‘π∑√—æ¬å√Õ°“√¢“¬· ¥ß‰¥â¥—ßπ’È ß∫°“√‡ß‘π√«¡ 2549 39,098,391 (7,337,319) 31,761,072

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

11.

√«¡

2548 11,189,694 (1,637,183) 9,552,511

(Àπ૬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ 2549 2548 33,176,314 10,761,504 (7,337,319) (1,637,184) 25,838,995 9,124,320

‡ß‘π≈ß∑ÿπ´÷Ëß∫—π∑÷°‚¥¬«‘∏’ à«π‰¥â‡ ’¬ ‡ß‘π≈ß∑ÿπ´÷Ëß∫—π∑÷°‚¥¬«‘∏’ à«π‰¥â‡ ’¬ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ª√–°Õ∫¥â«¬ (Àπ૬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ ∑ÿπ‡√’¬° ™”√–·≈â« (∫“∑)

∫√‘…—∑¬àÕ¬ ∫√‘…—∑ °√ÿ߇∑æ·°√π¥å ·ª´‘øî§≈’ ®”°—¥ (¡À“™π)

438,500,000

2549 —¥ à«π ‡ß‘π≈ß∑ÿπ (√âÕ¬≈–)

2548 √“§“∑ÿπ

¡Ÿ≈§à“μ“¡∫—≠™’ μ“¡«‘∏’ à«π‰¥â‡ ’¬

√“§“∑ÿπ

¡Ÿ≈§à“μ“¡∫—≠™’ μ“¡«‘∏’ à«π‰¥â‡ ’¬

99.99 499,908,837 510,704,844 499,908,837 508,842,980

„π√–À«à“ߪï 2549 ∫√‘…—∑œ‰¥â√—∫‡ß‘πªíπº≈®“°∫√‘…—∑¬àÕ¬®”π«π 54.37 ≈â“π∫“∑ (2548: 83.31 ≈â“π∫“∑) 57


12.

‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ‡ß‘π≈ß∑ÿπ√–¬–¬“«Õ◊Ëπ· ¥ß‰¥â¥—ßπ’È ∑ÿπ‡√’¬° ™”√–·≈â« (∫“∑)

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

13.

®”Àπà“¬Õ“À“√·≈–‡§√◊ËÕߥ◊Ë¡

—¥ à«π ‡ß‘π≈ß∑ÿπ (√âÕ¬≈–)

450,000,000

0.14

(Àπ૬: ∫“∑) ß∫°“√‡ß‘π√«¡ 2549 2548

1,140,000 (803,360) 336,640

1,140,000 (789,280) 350,720

∑’Ë¥‘π Õ“§“√·≈–Õÿª°√≥å (Àπ૬: ∫“∑) ß∫°“√‡ß‘π√«¡

∑’¥Ë π‘ √“§“∑ÿπ 31 ∏—𫓧¡ 2548 ´◊ÈÕ‡æ‘Ë¡ ®”Àπà“¬ 31 ∏—𫓧¡ 2549 §à“‡ ◊ËÕ¡√“§“ – ¡ 31 ∏—𫓧¡ 2548 §à“‡ ◊ÕË ¡√“§“ ”À√—∫ªï §à“‡ ◊ÕË ¡√“§“ ”À√—∫  à«π∑’Ë®”Àπà“¬ 31 ∏—𫓧¡ 2549 ¡Ÿ≈§à“ ÿ∑∏‘μ“¡∫—≠™’ 31 ∏—𫓧¡ 2548 31 ∏—𫓧¡ 2549 §à“‡ ◊ÕË ¡√“§“ ”À√—∫ªï 2548 2549

58

Õ“§“√

2,430,000 2,430,000

‡§√◊ËÕßμ°·μàß μ‘¥μ—Èß·≈– Õÿª°√≥å

¬“πæ“Àπ–

‡§√◊ËÕß®—°√

Õÿª°√≥å √–À«à“ßμ‘¥μ—Èß

6,770,000 67,399,235 28,794,009 14,000,000 17,712,298 - 6,023,670 11,323,188 - (1,040,394) (7,179,433) (14,000,000) 6,770,000 72,382,511 32,937,764 - 17,712,298

√«¡ 137,105,542 17,346,858 (22,219,827) 132,232,573

-

3,746,070 48,035,448 16,991,814 338,500 6,625,293 5,424,634

7,210,972 1,081,645

- 75,984,304 - 13,470,072

-

- (1,032,774) (5,878,454) (8,292,617) 4,084,570 53,627,967 16,537,994 -

- (15,203,845) - 74,250,531

2,430,000 2,430,000

3,023,930 19,363,787 11,802,195 2,685,430 18,754,544 16,399,770

6,789,028 17,712,298 61,121,238 - 17,712,298 57,982,042 12,501,258 13,470,072


(Àπ૬: ∫“∑)

∑’¥Ë π‘ √“§“∑ÿπ 31 ∏—𫓧¡ 2548 ´◊ÈÕ‡æ‘Ë¡ ®”Àπà“¬ 31 ∏—𫓧¡ 2549 §à“‡ ◊ËÕ¡√“§“ – ¡ 31 ∏—𫓧¡ 2548 §à“‡ ◊ÕË ¡√“§“ ”À√—∫ªï §à“‡ ◊ËÕ¡√“§“ ”À√—∫  à«π∑’Ë®”Àπà“¬ 31 ∏—𫓧¡ 2549 ¡Ÿ≈§à“ ÿ∑∏‘μ“¡∫—≠™’ 31 ∏—𫓧¡ 2548 31 ∏—𫓧¡ 2549 §à“‡ ◊ÕË ¡√“§“ ”À√—∫ªï 2548 2549

Õ“§“√

2,430,000 2,430,000

ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ ‡§√◊ËÕßμ°·μàß μ‘¥μ—Èß·≈– Õÿª°√≥å ¬“πæ“Àπ–

Õÿª°√≥å √–À«à“ßμ‘¥μ—Èß

√«¡

6,770,000 50,588,533 21,065,265 14,169,609 95,023,407 - 3,276,410 4,287,546 - 7,563,956 - (779,567) (5,530,224) - (6,309,791) 6,770,000 53,085,376 19,822,587 14,169,609 96,277,572

-

3,746,070 33,771,424 11,370,729 338,500 5,588,117 3,846,692

- 48,888,223 - 9,773,309

-

- (779,566) (5,049,176) 4,084,570 38,579,975 10,168,245

- (5,828,742) - 52,832,790

2,430,000 2,430,000

3,023,930 16,817,109 2,685,430 14,505,401

9,694,536 14,169,609 46,135,184 9,654,342 14,169,609 43,444,782 8,133,300 9,773,309

≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’Õÿª°√≥å®”π«πÀπ÷Ëß´÷Ëßμ—¥§à“‡ ◊ËÕ¡√“§“À¡¥·≈â«·μଗ߄™âß“πÕ¬Ÿà √“§“∑ÿπ¢ÕßÕÿª°√≥套߰≈à“«¡’®”π«π‡ß‘πª√–¡“≥ 42.47 ≈â“π∫“∑ ·≈– 40.20 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ:25.23 ≈â“π∫“∑ ·≈– 24.69 ≈â“π∫“∑ μ“¡≈”¥—∫) 14.

‘π∑√—æ¬å ‰¡àÀ¡ÿπ‡«’¬πÕ◊Ëπ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ∫√‘…∑— œ·≈–∫√‘…∑— ¬àÕ¬¡’≈°Ÿ Àπ’μÈ “¡ —≠≠“‡™à“´◊ÕÈ ·≈– —≠≠“‡™à“°“√‡ß‘π®”π«π√«¡ 81.14 ≈â“π∫“∑ ·≈– 92.72 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ¡’≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ®”π«π 19.67 ≈â“π∫“∑ ·≈– 22.32 ≈â“π∫“∑ μ“¡ ≈”¥—∫) ´÷Ëß»“≈‰¥âæ‘æ“°…“„Àâ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬™π–§¥’·≈–∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬Õ¬Ÿà√–À«à“ß°“√μ‘¥μ“¡‡æ◊ËÕ√—∫™”√–Àπ’È®“°≈Ÿ°Àπ’ȇÀ≈à“ π—πÈ ‚¥¬∫—π∑÷°‰«â „π ‘π∑√—æ¬å ‰¡àÀ¡ÿπ‡«’¬πÕ◊πË „πß∫¥ÿ≈∫√‘…∑— œ‰¥âμß—È §à“‡º◊ÕË Àπ’ È ß —¬®– Ÿ≠‰«â‡μÁ¡®”π«π ”À√—∫≈Ÿ°Àπ’¥È ß— °≈à“«‚¥¬‰¡àÀ°— À≈—°ª√–°—π  à«π∫√‘…—∑¬àÕ¬‰¥âμ—Èß§à“‡º◊ËÕÀπ’È ß —¬®– Ÿ≠‡μÁ¡®”π«π¿“¬À≈—ß®“°À—°À≈—°ª√–°—π·≈â«

59


15.

‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“° ∂“∫—π°“√‡ß‘π ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ª√–°Õ∫¥â«¬

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

(Àπ૬: ∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ 2549 2548 2549 2548 89,439,438 57,800,898 66,352,341 53,837,008 5,578,119,388 4,195,000,000 4,208,000,000 3,355,000,000 5,667,558,826 4,252,800,898 4,274,352,341 3,408,837,008

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ‡ªìπ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑®“° ∂“∫—π°“√‡ß‘πÀ≈“¬·Ààß ´÷Ëߧ‘¥¥Õ°‡∫’Ȭ„πÕ—μ√“≈Õ¬μ—«·≈–§ß∑’Ë‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“ ¥Õ°‡∫’Ȭ„πμ≈“¥ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ¥—ß°≈à“«¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬§È”ª√–°—π‚¥¬ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ° Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß∫√‘…—∑œ ≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕߢÕß∫√‘…—∑¬àÕ¬μ“¡∑’Ë°≈à“«„πÀ¡“¬‡Àμÿ¢âÕ 6.4 ·≈– 8.3 ·≈– Standby Letter of Credit ®“°∏𓧓√æ“≥‘™¬åμà“ߪ√–‡∑»∑’ˇ°’ˬ«¢âÕß°—π·ÀàßÀπ÷Ëß·≈–§È”ª√–°—π‚¥¬∫√‘…—∑ ‰™≈’  ‰ø·ππ´å ®”°—¥

60

16.

‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ‡ß‘π°Ÿâ¬◊¡√–¬– —ÈπÕ◊Ëπª√–°Õ∫¥â«¬μ—Ϋ —≠≠“„™â‡ß‘π∑’Ë∫√‘…—∑œÕÕ°„Àâ·°à∫√‘…—∑·≈–∫ÿ§§≈ ®”π«πÀπ÷Ëß ‡ß‘π°Ÿâ¬◊¡π’È ‰¡à¡’À≈—°ª√–°—π·≈–§‘¥¥Õ°‡∫’Ȭ„πÕ—μ√“§ß∑’Ë ‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’Ȭ„πμ≈“¥

17.

‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“° ∂“∫—π°“√‡ß‘π ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“° ∂“∫—π°“√‡ß‘π®”π«π 800 ≈â“π∫“∑ ‡ªìπ‡ß‘π°Ÿâ¬◊¡®“°∏𓧓√„πª√–‡∑»·ÀàßÀπ÷Ëߧ√∫°”Àπ¥™”√–∑—Èß ®”π«π„π‡¥◊Õπ¡‘∂ÿπ“¬π 2552 §‘¥¥Õ°‡∫’Ȭ„πÕ—μ√“∑’ËÕ‘ß°—∫ THBFIX ·≈–§È”ª√–°—π‚¥¬ ‘∑∏‘‡√’¬°√âÕß„π≈Ÿ°Àπ’Èμ“¡ —≠≠“‡™à“´◊ÈÕ¢Õß ∫√‘…—∑œμ“¡∑’Ë°≈à“«„πÀ¡“¬‡Àμÿ¢âÕ 6.4  —≠≠“°Ÿâ¬◊¡¥—ß°≈à“«‰¥â√–∫ÿ¢âժؑ∫—μ‘·≈–¢âÕ°”Àπ¥∫“ߪ√–°“√´÷Ëß√«¡∂÷ß°“√¥”√ß —¥ à«π°“√∂◊ÕÀÿâπ ¢ÕߺŸâ∂◊ÕÀÿâπ√“¬„À≠à·≈–¢âÕ°”Àπ¥„π°“√®à“¬‡ß‘πªíπº≈ ∫√‘…—∑œ‰¥â∑” —≠≠“·≈°‡ª≈’ˬπÕ—μ√“¥Õ°‡∫’Ȭ‡æ◊ËÕ‡ªìπ°“√ªÑÕß°—𧫓¡‡ ’ˬ߮“° Õ—μ√“¥Õ°‡∫’Ȭ¢Õ߇ߑπ°Ÿâ¬◊¡¥—ß°≈à“« √“¬≈–‡Õ’¬¥¢Õß —≠≠“·≈°‡ª≈’ˬπÕ—μ√“¥Õ°‡∫’Ȭ· ¥ß‰«â„πÀ¡“¬‡Àμÿ 28.1


18.

√“¬°“√∏ÿ√°‘®°—∫∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π „π√–À«à“ߪï ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’√“¬°“√∏ÿ√°‘®∑’Ë ”§—≠°—∫∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π √“¬°“√∏ÿ√°‘®¥—ß°≈à“«‡ªìπ‰ªμ“¡ ‡ß◊ËÕπ‰¢∑“ß°“√§â“·≈–‡°≥±åμ“¡∑’Ëμ°≈ß°—π√–À«à“ß∫√‘…—∑œ·≈–∫√‘…—∑‡À≈à“π—Èπ ´÷Ë߇ªìπ‰ªμ“¡ª°μ‘∏ÿ√°‘®‚¥¬ “¡“√∂ √ÿª‰¥â¥—ßπ’È (Àπ૬: ≈â“π∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ π‚¬∫“¬°“√°”Àπ¥√“§“ 2549 2548 2549 2548 ∫√‘…∑— ¬àÕ¬ √“¬‰¥â§à“∫√‘À“√®—¥°“√ 12.25 4.92 μâπ∑ÿπ∫«°°”‰√ à«π‡æ‘Ë¡„πÕ—μ√“√âÕ¬≈– 10 ¢“¥∑ÿπ®“°°“√¢“¬ ‘π∑√—æ¬å√Õ°“√¢“¬ 0.08 √“§“μ≈“¥ °”‰√®“°°“√®”Àπà“¬Õÿª°√≥å 1.40 - √“§“μ≈“¥ ∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π √“¬‰¥â§à“∏√√¡‡π’¬¡ Chailease Credit Service Co., Ltd. 0.19 0.69 - „°≈⇧’¬ß°—∫Õ—μ√“§à“∏√√¡‡π’¬¡∑’˧‘¥°—∫≈Ÿ°§â“√“¬Õ◊Ëπ §à“‡™à“·≈–∫√‘°“√ Õ—μ√“„°≈⇧’¬ß°—∫æ◊Èπ∑’ˇ™à“„πÕ“§“√Õ◊Ëπ∑’Ë¡’ ∑”‡≈∑’Ëμ—È߇¥’¬«°—π °Õß∑ÿπ√«¡ “∏√´‘μ’È∑“«‡«Õ√å 12.44 9.41 9.50 6.61 °Õß∑ÿπ√«¡∫“ß°Õ°°“√凥π∑å 0.56 0.36 0.56 0.36 13.00 9.77 10.06 6.97 ¥Õ°‡∫’¬È ®à“¬ „°≈⇧’¬ß°—∫Õ—μ√“¥Õ°‡∫’Ȭ¢Õ߇ߑπ°Ÿâ¬◊¡Õ◊Ëπ∑’Ë¡’ ‡ß◊ËÕπ‰¢„°≈⇧’¬ß°—π ∏𓧓√°√ÿ߇∑æ ®”°—¥ (¡À“™π) 178.61 106.83 136.60 86.85 China Trust Commercial Bank 5.05 4.28 Mr. Jeffrey Koo 2.88 2.88 Õ◊πË Ê 4.79 5.33 2.35 4.42 191.33 115.04 143.23 91.27 §à“∏√√¡‡π’¬¡ Standby Letter of Credit ·≈–°“√§È”ª√–°—π „°≈⇧’¬ß°—∫Õ—μ√“§È”ª√–°—π¢Õ߇ߑπ°Ÿâ¬◊¡Õ◊Ëπ∑’Ë¡’ China Trust Commercial Bank 8.75 17.47 8.75 17.14 ‡ß◊ËÕπ‰¢„°≈⇧’¬ß°—π ∏𓧓√°√ÿ߇∑æ ®”°—¥ (¡À“™π) 0.90 0.59 9.65 18.06 8.75 17.14 ºŸâ∂◊ÕÀÿâπ„À≠à §à“∫√‘°“√μ√«® Õ∫¿“¬„π 3.53 2.31 §à“∫√‘°“√μ√«® Õ∫¿“¬„π¢Õß°≈ÿà¡∫√‘…—∑ §‘¥®“°¢π“¥¢Õß ‘π∑√—æ¬å¢Õß·μà≈–∫√‘…—∑ §à“∏√√¡‡π’¬¡°“√§È”ª√–°—π 5.29 0.76 4.50 0.76 √âÕ¬≈– 0.35 μàÕªï

61


≈—°…≥–§«“¡ —¡æ—π∏å√–À«à“ß∫√‘…—∑œ°—∫∫ÿ§§≈À√◊Õ°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π √ÿª‰¥â¥—ßπ’È √“¬™◊ËÕ∫ÿ§§≈À√◊Õ°‘®°“√∑’ˇ°’ˬ«¢âÕß°—𠧫“¡ —¡æ—π∏å°—∫∫√‘…—∑œ ∫√‘…—∑ °√ÿ߇∑æ·°√π¥å·ª´‘øî§≈’  ®”°—¥ (¡À“™π) ∫√‘…∑— ¬àÕ¬ ∏𓧓√°√ÿ߇∑æ ®”°—¥ (¡À“™π) ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ ∫√‘…—∑ °√ÿ߇∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ Mr. Jeffrey Koo ºŸâ°àÕμ—Èß∏ÿ√°‘®¢Õß°≈ÿà¡μ√–°Ÿ≈§Ÿ My Funding Corporation ¡’ºŸâ∂◊ÕÀÿâπ„À≠à·≈–°√√¡°“√√à«¡°—π°—∫∫√‘…—∑œ Chailease Finance Co., Ltd. ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑œ Chailease Credit Service Co., Ltd. ∫√‘…—∑∑’ˇ°’ˬ«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑œ °Õß∑ÿπ√«¡ “∏√´‘μ’È∑“«‡«Õ√å °‘®°“√∑’ˇ°’ˬ«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ °‘®°“√∑’ˇ°’ˬ«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ °Õß∑ÿπ√«¡∫“ß°Õ°°“√凥π∑å °Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈—  ∂“∫—πªíπº≈ ∫√‘À“√‚¥¬∫√‘…—∑¬àÕ¬¢ÕߺŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ °Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈— ∑«’‡ß‘πÕÕ¡ 2 ∫√‘À“√‚¥¬∫√‘…—∑¬àÕ¬¢ÕߺŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ °Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈— Õπ—πμ∑√—æ¬å ∫√‘À“√‚¥¬∫√‘…—∑¬àÕ¬¢ÕߺŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ ¥√. Õÿ¥¡»—°¥‘Ï ™“§√’¬«≥‘™¬å °√√¡°“√¢ÕߺŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ China Trust Commercial Bank ∫√‘…—∑∑’ˇ°’ˬ«¢âÕß°—π°—∫ºŸâ∂◊ÕÀÿâπ„À≠à¢Õß∫√‘…—∑œ §à“μÕ∫·∑π°√√¡°“√·≈–ºŸâ∫√‘À“√ „πªï 2549 ·≈– 2548 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¥â®à“¬‡ß‘π‡¥◊Õπ ‚∫π—  §à“‡∫’Ȭª√–™ÿ¡·≈– «— ¥‘°“√Õ◊Ëπ„Àâ·°à°√√¡°“√·≈–ºŸâ∫√‘À“√ ‡ªìπ®”π«π‡ß‘π 30.18 ≈â“π∫“∑ ·≈– 22.24 ≈â“π∫“∑ μ“¡≈”¥—∫ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’¬Õ¥§ß‡À≈◊Õ∑’Ë¡’ “√– ”§—≠¢Õß ‘π∑√—æ¬å·≈–Àπ’È ‘π∑’ˇ°’ˬ«¢âÕß °—∫∫ÿ§§≈À√◊Õ°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π¥—ßπ’È (Àπ૬: ∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ 2549 2548 2549 2548 ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ ∏𓧓√°√ÿ߇∑æ ®”°—¥ (¡À“™π) 47,382,726 18,648,077 18,614,846 3,385,569 §à“∏√√¡‡π’¬¡§â“ß√—∫ Chailease Credit Service Co., Ltd. 15,482 41,050 §à“∏√√¡‡π’¬¡®à“¬≈à«ßÀπâ“ ∏𓧓√°√ÿ߇∑æ ®”°—¥ (¡À“™π) 246,575 246,575 China Trust Commercial Bank 1,108,672 948,608 1,108,672 948,608 √«¡ 1,355,247 1,195,183 1,108,672 948,608 ¥Õ°‡∫’¬È ®à“¬≈à«ßÀπâ“ °Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈— ∑«’‡ß‘πÕÕ¡ 2 1,227,432 1,227,432 ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ ®“° ∂“∫—π°“√‡ß‘π ∏𓧓√°√ÿ߇∑æ ®”°—¥ (¡À“™π) 1,614,439,439 1,997,734,010 821,352,341 1,473,770,120

62


ß∫°“√‡ß‘π√«¡ 2549 ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π ∫√‘…—∑ °√ÿ߇∑æª√–°—π¿—¬ ®”°—¥ (¡À“™π) °Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈— ∑«’‡ß‘πÕÕ¡ 2 °Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈—  ∂“∫—πªíπº≈ °Õß∑ÿπ‡ªî¥·Õ ‡´∑æ≈— Õπ—πμ∑√—æ¬å ∫ÿ§§≈Õ◊Ëπ∑’ˇ°’ˬ«¢âÕß°—π √«¡ ‡®â“Àπ’È∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π ∏𓧓√°√ÿ߇∑æ ®”°—¥ (¡À“™π) Chailease Finance Co., Ltd. ∫ÿ§§≈Õ◊Ëπ∑’ˇ°’ˬ«¢âÕß°—π √«¡

2548

(Àπ૬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ 2549 2548

60,000,000 60,000,000

60,000,000 150,000,000 30,000,000 10,000,000 45,000,000 295,000,000

-

150,000,000 30,000,000 10,000,000 45,000,000 235,000,000

4,657,801 5,285,384 244,942 10,188,127

4,218,868 765,589 250,627 5,235,084

1,949,055 4,496,106 6,445,161

3,007,562 765,589 5,685 3,778,836

≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—𠇪ìπ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑ ‰¡à¡’À≈—° ª√–°—π·≈–§‘¥¥Õ°‡∫’Ȭ„πÕ—μ√“§ß∑’Ë ‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’Ȭ„πμ≈“¥ (Àπ૬: ∫“∑) ß∫°“√‡ß‘π√«¡ ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ 2549 2548 2549 2548 ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π ∏𓧓√°√ÿ߇∑æ ®”°—¥ (¡À“™π) 1,000,000,000 2,050,000,000 1,000,000,000 1,900,000,000 ∫ÿ§§≈Õ◊Ëπ∑’ˇ°’ˬ«¢âÕß°—π 70,000,000 70,000,000 √«¡ 1,070,000,000 2,120,000,000 1,000,000,000 1,900,000,000 À—°:  à«π∑’Ë∂÷ß°”Àπ¥™”√–¿“¬„πÀπ÷Ëߪï (70,000,000) (1,050,000,000) - (900,000,000)  ÿ∑∏‘ 1,000,000,000 1,070,000,000 1,000,000,000 1,000,000,000 ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫√‘…—∑∑’ˇ°’ˬ«¢âÕß°—π¢Õß∫√‘…—∑œ‡ªìπ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑·≈–‰¡à¡’À≈—°ª√–°—π ‡ß‘π°Ÿâ¬◊¡®”π«π 900 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πμâπ∑—Èß®”π«π„π‡¥◊Õπμÿ≈“§¡ 2549 §‘¥¥Õ°‡∫’Ȭ„πÕ—μ√“ §ß∑’Ë‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’Ȭ„πμ≈“¥ ‡ß‘π°Ÿâ¬◊¡®”π«π 1,000 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πμâπ∑—Èß®”π«π¿“¬„π‡¥◊Õπ°—𬓬π 2551 §‘¥¥Õ°‡∫’Ȭ ”À√—∫ Õߪï·√°„πÕ—μ√“§ß∑’Ë‚¥¬Õâ“ßÕ‘ß°—∫ Õ—μ√“¥Õ°‡∫’Ȭ„πμ≈“¥ ·≈–„πÕ—μ√“¥Õ°‡∫’Ȭ≈Õ¬μ—« ”À√—∫ªï∑’Ë “¡ ™”√–¥Õ°‡∫’Ȭ∑ÿ° ‘Èπ‡¥◊Õπ ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π¢Õß∫√‘…—∑¬àÕ¬‡ªìπ‡ß‘π°Ÿâ¬◊¡„π °ÿ≈∫“∑·≈–‰¡à¡’À≈—°ª√–°—π ‡ß‘π°Ÿâ¬◊¡®”π«π 150 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πμâπ∑—Èß®”π«π„π‡¥◊Õπμÿ≈“§¡ 2549 §‘¥¥Õ°‡∫’Ȭ„πÕ—μ√“§ß∑’Ë‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“¥Õ°‡∫’Ȭ„πμ≈“¥ ‡ß‘π°Ÿâ¬◊¡®”π«π 70 ≈â“π∫“∑ §√∫°”Àπ¥™”√–‡ß‘πμâπ∑—Èß®”π«π„π‡¥◊Õπ¡‘∂ÿπ“¬π 2550 §‘¥¥Õ°‡∫’Ȭ„πÕ—μ√“§ß∑’Ë‚¥¬Õâ“ßÕ‘ß°—∫Õ—μ√“ ¥Õ°‡∫’Ȭ„πμ≈“¥ ™”√–¥Õ°‡∫’Ȭ∑ÿ° 6 ‡¥◊Õπ ‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ·≈–√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π¡’°“√‡§≈◊ËÕπ‰À«„π√–À«à“ߪ綾ßπ’È

63


(Àπ૬: ∫“∑) ∫√‘…∑— ∑’ˇ°’ˬ«¢âÕß°—π

ß∫°“√‡ß‘π√«¡ ∫ÿ§§≈ ∑’ˇ°’ˬ«¢âÕß°—π

√«¡

ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ ∫√‘…∑— ∫ÿ§§≈ ∑’ˇ°’ˬ«¢âÕß°—π ∑’ˇ°’ˬ«¢âÕß°—π

√«¡

‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ®“°∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 1 ¡°√“§¡ 2549 250,000,000 45,000,000 295,000,000 190,000,000 45,000,000 235,000,000 ≈¥≈ß√–À«à“ߪï (190,000,000) (45,000,000) (235,000,000) (190,000,000) (45,000,000) (235,000,000) ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 60,000,000 - 60,000,000 -

∫√‘…∑— ∑’ˇ°’ˬ«¢âÕß°—π ‡ß‘π°Ÿâ¬◊¡√–¬–¬“«®“°∫ÿ§§≈·≈–°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 1 ¡°√“§¡ 2549 ≈¥≈ß√–À«à“ßªï ¬Õ¥§ß‡À≈◊Õ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549

2,050,000,000 (1,050,000,000) 1,000,000,000

ß∫°“√‡ß‘π√«¡ ∫ÿ§§≈ ∑’ˇ°’ˬ«¢âÕß°—π

√«¡

ß∫°“√‡ß‘π ‡©æ“–∫√‘…—∑œ ∫√‘…∑— ∑’ˇ°’ˬ«¢âÕß°—π

70,000,000 2,120,000,000 1,900,000,000 - (1,050,000,000) (900,000,000) 70,000,000 1,070,000,000 1,000,000,000

¿“√–ºŸ°æ—π·≈–¿“√–§È”ª√–°—π°—∫°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’¿“√–°“√§È”ª√–°—π‡ß‘π°Ÿâ¬◊¡√–¬– —Èπ„Àâ·°à°—π·≈–°—π„π«ß‡ß‘π®”π«π 200 ≈â“π∫“∑ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ∫√‘…—∑¬àÕ¬¡’¿“√–°“√§È”ª√–°—π≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·°à°‘®°“√∑’ˇ°’ˬ«¢âÕß°—π·ÀàßÀπ÷Ëß ®”π«πª√–¡“≥ 0.05 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“À√◊Õ 1.89 ≈â“π∫“∑ (2548: 0.36 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“À√◊Õ 14.68 ≈â“π∫“∑) ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’¿“√–ºŸ°æ—πμ“¡ —≠≠“μ‘¥μ—Èß√–∫∫§Õ¡æ‘«‡μÕ√å§ß‡À≈◊Õμ“¡  —≠≠“®”π«πª√–¡“≥ 0.18 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“ À√◊Õ 6.69 ≈â“π∫“∑ (2548: 0.18 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“ À√◊Õ 7.60 ≈â“π∫“∑) (‡©æ“–∫√‘…—∑œ: 0.15 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“ À√◊Õ 5.35 ≈â“π∫“∑ (2548: 0.15 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“ À√◊Õ 6.08 ≈â“π∫“∑)) 19.

∑ÿπ‡√◊ÕπÀÿπâ 19.1 „π√–À«à“ß«—π∑’Ë 16 - 18 ‘ßÀ“§¡ 2548 ∫√‘…—∑œ‰¥â‡ πÕ¢“¬Àÿâπ “¡—≠‡æ‘Ë¡∑ÿπ®”π«π 23 ≈â“πÀÿâπ„Àâª√–™“™π∑—Ë«‰ª‡ªìπ§√—Èß ·√°„π√“§“Àÿâπ≈– 8.90 ∫“∑ ‚¥¬¡’¡Ÿ≈§à“μ√“‰«âÀÿâπ≈– 5 ∫“∑ √«¡‡ªìπ®”π«π‡ß‘π∑—Èß ‘Èπ 204.70 ≈â“π∫“∑ ∫√‘…—∑œ¡’ à«π‡°‘π ¡Ÿ≈§à“Àÿâπ®“°°“√‡ πÕ¢“¬Àÿâπ “¡—≠¥—ß°≈à“«®”π«π 89.70 ≈â“π∫“∑ ·≈–¡’§à“„™â®à“¬„π°“√ÕÕ°Àÿâπ “¡—≠®”π«π 8.47 ≈â“π∫“∑ ´÷Ëßπ”¡“À—°°≈∫°—∫ à«π‡°‘π∑ÿπ¥—ß°≈à“« ∫√‘…—∑œ‰¥â®¥∑–‡∫’¬π‡ª≈’ˬπ·ª≈ß∑ÿπ™”√–·≈â«°—∫°√–∑√«ßæ“≥‘™¬å‡¡◊ËÕ«—π∑’Ë 22  ‘ßÀ“§¡ 2548 19.2 ‡¡◊ËÕ«—π∑’Ë 12 °—𬓬π 2549 ∑’˪√–™ÿ¡«‘ “¡—≠ºŸâ∂◊ÕÀÿâπ¢Õß∫√‘…—∑œ¡’¡μ‘Õπÿ¡—μ‘ „Àâ‡æ‘Ë¡∑ÿπ®¥∑–‡∫’¬π¢Õß∫√‘…—∑œ®”π«π 575 ≈â“π ∫“∑ ®“°‡¥‘¡ 575 ≈â“π∫“∑‡ªìπ 1,150 ≈â“π∫“∑ ‚¥¬°“√ÕÕ°Àÿâπ “¡—≠„À¡à®”π«π 115 ≈â“πÀÿâπ ·≈–®—¥ √√„Àⷰຟâ∂◊ÕÀÿâπ‡¥‘¡ „π —¥ à«π 1 Àÿâπ “¡—≠‡¥‘¡μàÕ 1 Àÿâπ “¡—≠„À¡à ·≈–‡ πÕ¢“¬„π√“§“Àÿâπ≈– 5.50 ∫“∑ „π«—π∑’Ë 29 °—𬓬π 2549 ∫√‘…—∑œ‰¥â √—∫‡ß‘π§à“Àÿâπ “¡—≠‡æ‘Ë¡∑ÿπ¥—ß°≈à“«®”π«π 632.50 ≈â“π∫“∑ ‚¥¬¡’ à«π‡°‘π¡Ÿ≈§à“Àÿâπ®“°°“√‡ πÕ¢“¬Àÿâπ “¡—≠¥—ß°≈à“«®”π«π 57.50 ≈â“π∫“∑ ·≈–¡’§à“„™â®à“¬„π°“√ÕÕ°Àÿâπ “¡—≠®”π«π 0.74 ≈â“π∫“∑ ´÷Ëßπ”¡“À—°°≈∫°—∫ à«π‡°‘π∑ÿπ¥—ß°≈à“« ∫√‘…—∑œ‰¥â ®¥∑–‡∫’¬π‡ª≈’ˬπ·ª≈ß∑ÿπ™”√–·≈â«°—∫°√–∑√«ßæ“≥‘™¬å‡¡◊ËÕ«—π∑’Ë 3 μÿ≈“§¡ 2549

64


20.

‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548 ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥„πß∫°√–· ‡ß‘𠥪√–°Õ∫¥â«¬ ß∫°“√‡ß‘π√«¡

‡ß‘π ¥·≈–‡ß‘πΩ“° ∂“∫—π°“√‡ß‘π À—°: ‡ß‘π‡∫‘°‡°‘π∫—≠™’∏𓧓√ ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥

2549 54,017,370 (89,439,438) (35,422,068)

2548 23,702,230 (57,800,898) (34,098,668)

(Àπ૬: ∫“∑) ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ 2549 2548 24,078,707 8,070,571 (66,352,341) (53,837,008) (42,273,634) (45,766,437)

21.

”√Õßμ“¡°ÆÀ¡“¬ ‡æ◊ËÕ„À⇪ìπ‰ªμ“¡¡“μ√“ 116 ·Ààßæ√–√“™∫—≠≠—μ‘∫√‘…—∑¡À“™π®”°—¥ æ.». 2535 ∫√‘…—∑œμâÕß®—¥ √√°”‰√ ÿ∑∏‘ª√–®”ªï à«πÀπ÷Ëß ‰«â‡ªìπ∑ÿπ ”√Õ߉¡àπÕâ ¬°«à“√âÕ¬≈– 5 ¢Õß°”‰√ ÿ∑∏‘ª√–®”ªïÀ°— ¥â«¬¬Õ¥¢“¥∑ÿπ – ¡¬°¡“ (∂â“¡’) ®π°«à“∑ÿπ ”√Õßπ’®È –¡’®”π«π‰¡àπÕâ ¬°«à“√âÕ¬≈– 10 ¢Õß∑ÿπ®¥∑–‡∫’¬π  ”√Õßμ“¡°ÆÀ¡“¬¥—ß°≈à“«‰¡à “¡“√∂𔉪®à“¬‡ß‘πªíπº≈‰¥â

22.

®”π«π·≈–§à“„™â®à“¬‡°’ˬ«°—∫æπ—°ß“π ß∫°“√‡ß‘π√«¡ 2549

®”π«πæπ—°ß“π ≥ «—π ‘Èπªï (§π) §à“„™â®à“¬‡°’ˬ«°—∫æπ—°ß“π ”À√—∫ªï (≈â“π∫“∑)

334 171.46

2548 315 167.60

ß∫°“√‡ß‘π‡©æ“–∫√‘…—∑œ 2549 2548 258 249 137.01 134.61

23.

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

24.

¢âÕ¡Ÿ≈∑“ß°“√‡ß‘π®”·π°μ“¡ à«πß“π ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¥”‡π‘π∏ÿ√°‘®À≈—°§◊Õ∏ÿ√°‘®„Àâ∫√‘°“√‡™à“´◊ÈÕ ∏ÿ√°‘®„Àâ‡™à“ ‘π∑√—æ¬åμ“¡ —≠≠“‡™à“°“√‡ß‘π·≈– —≠≠“‡™à“ ¥”‡π‘πß“π ·≈–∏ÿ√°‘®√—∫´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß®“°≈Ÿ°Àπ’È ‚¥¬¡’ à«πß“π∑“ß¿Ÿ¡‘»“ μ√åÀ≈—°„πª√–‡∑»‰∑¬ ¥—ßπ—Èπ √“¬‰¥â °”‰√·≈– ‘π∑√—æ¬å μ“¡∑’Ë· ¥ß„πß∫°“√‡ß‘π®÷߇°’ˬ«¢âÕß°—∫ à«πß“π∏ÿ√°‘®·≈–  à«πß“π∑“ß¿Ÿ¡‘»“ μ√åμ“¡∑’Ë°≈à“«‰«â

25.

°Õß∑ÿπ ”√Õ߇≈’Ȭߙ’æ ∫√‘…∑— œ·≈–∫√‘…∑— ¬àÕ¬·≈–æπ—°ß“π‰¥â√«à ¡°—π®—¥μ—ßÈ °Õß∑ÿπ ”√Õ߇≈’¬È ß™’æ¢÷πÈ μ“¡æ√–√“™∫—≠≠—μ°‘ Õß∑ÿπ ”√Õ߇≈’¬È ß™’æ æ.». 2530 ‚¥¬∫√‘…—∑œ ∫√‘…—∑¬àÕ¬ ·≈–æπ—°ß“π®–®à“¬ ¡∑∫‡¢â“°Õß∑ÿπ‡ªìπ√“¬‡¥◊Õπ„πÕ—μ√“√âÕ¬≈– 5 ¢Õ߇ߑπ‡¥◊Õπ °Õß∑ÿπ ”√Õ߇≈’Ȭߙ’æπ’È ∫√‘À“√‚¥¬∫√‘…—∑À≈—°∑√—æ¬å®—¥°“√°Õß∑ÿπ øîπ—π´à“ ®”°—¥ ·≈–®–®à“¬„Àâ·°àæπ—°ß“π‡¡◊ËÕæπ—°ß“ππ—ÈπÕÕ°®“°ß“πμ“¡√–‡∫’¬∫«à“¥â«¬ °Õß∑ÿπ¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬ „π√–À«à“ߪï 2549 ·≈– 2548 ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¥â®à“¬‡ß‘π ¡∑∫°Õß∑ÿπ‡ªìπ®”π«π‡ß‘π 4.07 ≈â“π∫“∑ ·≈– 3.31 ≈â“π∫“∑ μ“¡≈”¥—∫ (‡©æ“–∫√‘…—∑œ: 3.48 ≈â“π∫“∑ ·≈– 2.66 ≈â“π∫“∑ μ“¡≈”¥—∫)

65


26.

‡ß‘πªíπº≈®à“¬ ‡ß‘πªíπº≈∑’˪√–°“»®à“¬„πªï 2549 ·≈– 2548 ª√–°Õ∫¥â«¬

‡ß‘πªíπº≈ ‡ß‘πªíπº≈√–À«à“ß°“≈ ‡ß‘πªíπº≈®“°°”‰√ªï 2548

Õπÿ¡—μ‘ ‚¥¬ ∑’˪√–™ÿ¡§≥–°√√¡°“√∫√‘…—∑œ ‡¡◊ËÕ«—π∑’Ë 28 °—𬓬π 2548 ∑’˪√–™ÿ¡ “¡—≠ºŸâ∂◊ÕÀÿâπª√–®”ªï ‡¡◊ËÕ«—π∑’Ë 26 ‡¡…“¬π 2549

‡ß‘πªíπº≈®à“¬

(Àπ૬: ∫“∑) ‡ß‘πªíπº≈®à“¬μàÕÀÿπâ

69,000,000

0.60

69,000,000

0.60

27.

¿“√–ºŸ°æ—π ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ∫√‘…—∑¬àÕ¬¡’¿“√–°“√§È”ª√–°—π≈Ÿ°Àπ’È®“°°“√´◊ÈÕ ‘∑∏‘‡√’¬°√âÕß·°à∫√‘…—∑Õ◊Ëπ®”π«πª√–¡“≥ 78.31 ≈â“π‡¬π ·≈– 0.24 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“ À√◊Õ 32.60 ≈â“π∫“∑ (2548: 4.60 ≈â“π‡¬π·≈– 1.21 ≈â“π‡À√’¬≠ À√—∞Õ‡¡√‘°“ À√◊Õ 51.41 ≈â“π∫“∑)

28.

‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π 28.1 π‚¬∫“¬°“√∫√‘À“√§«“¡‡ ’Ë¬ß ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π∑’Ë ”§—≠∑’Ë· ¥ß„πß∫¥ÿ≈ª√–°Õ∫¥â«¬ ‡ß‘π ¥·≈–√“¬°“√‡∑’¬∫‡∑à“‡ß‘π ¥ ≈Ÿ° Àπ’È·≈–‡ß‘π„Àâ°Ÿâ¬◊¡ ‡ß‘π‡∫‘°‡°‘π∫—≠™’∏𓧓√·≈–‡ß‘π°Ÿâ¬◊¡ ∫√‘…—∑œ·≈– ∫√‘…—∑¬àÕ¬¡’§«“¡‡ ’ˬß∑’ˇ°’ˬ«¢âÕß°—∫‡§√◊ËÕß¡◊Õ∑“ß°“√‡ß‘π ¥—ß°≈à“« ·≈–¡’π‚¬∫“¬„π°“√∫√‘À“√§«“¡‡ ’ˬߥ—ßπ’È §«“¡‡ ’ˬߥâ“π°“√„Àâ ‘π‡™◊ËÕ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’§«“¡‡ ’ˬߥâ“π°“√„Àâ ‘π‡™◊ËÕ∑’ˇ°’ˬ«‡π◊ËÕß°—∫≈Ÿ°Àπ’È·≈–‡ß‘π„Àâ°Ÿâ¬◊¡ ΩÉ“¬∫√‘À“√§«∫§ÿ¡§«“¡‡ ’ˬßπ’È ‚¥¬°“√°”Àπ¥„Àâ¡’π‚¬∫“¬·≈–«‘∏’°“√„π°“√§«∫§ÿ¡ ‘π‡™◊ËÕ∑’ˇÀ¡“– ¡ πÕ°®“°π’È °“√„Àâ ‘π‡™◊ËÕ¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬‰¡à¡’ °“√°√–®ÿ°μ—« ‡π◊ËÕß®“°∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬¡’∞“π¢Õß≈Ÿ°§â“∑’ËÀ≈“°À≈“¬°√–®“¬„πÕÿμ “À°√√¡μà“ß Ê ·≈–¡’Õ¬Ÿà®”π«π¡“°√“¬ ¥—ßπ—Èπ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®÷߉¡à§“¥«à“®–‰¥â√—∫§«“¡‡ ’¬À“¬∑’ˇªìπ “√– ”§—≠®“°°“√„Àâ ‘π‡™◊ËÕπÕ°®“°®”π«π§à“‡º◊ËÕÀπ’È ß —¬ ®– Ÿ≠∑’Ë∫—π∑÷°‰«â·≈â«„π∫—≠™’ §«“¡‡ ’ˬ߮“°Õ—μ√“¥Õ°‡∫’Ȭ ∫√‘…∑— œ·≈–∫√‘…∑— ¬àÕ¬¡’§«“¡‡ ’¬Ë ß®“°Õ—μ√“¥Õ°‡∫’¬È ∑’ Ë ”§—≠Õ—π‡°’¬Ë «‡π◊ÕË ß°—∫‡ß‘πΩ“° ∂“∫—π°“√‡ß‘π ≈Ÿ°Àπ’·È ≈–‡ß‘π„Àâ°¬Ÿâ ¡◊ ‡ß‘π‡∫‘°‡°‘π∫—≠™’·≈–‡ß‘π°Ÿâ¬◊¡ ≥ «—π∑’Ë 31 ∏—𫓧¡ 2549 ·≈– 2548  ‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π∑’Ë ”§—≠ “¡“√∂®—¥μ“¡ª√–‡¿∑Õ—μ√“¥Õ°‡∫’Ȭ ·≈– ”À√—∫ ‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π∑’Ë¡’Õ—μ√“¥Õ°‡∫’Ȭ§ß∑’Ë “¡“√∂·¬°μ“¡«—π∑’˧√∫°”Àπ¥À√◊Õ«—π∑’Ë¡’°“√°”Àπ¥Õ—μ√“ ¥Õ°‡∫’Ȭ„À¡à (À“°«—π∑’Ë¡’°“√°”Àπ¥Õ—μ√“¥Õ°‡∫’Ȭ„À¡à∂÷ß°àÕπ) ‰¥â¥—ßπ’È

66


(Àπ૬: ≈â“π∫“∑)

Õ—μ√“¥Õ°‡∫’Ȭ§ß∑’Ë ¿“¬„π ¡“°°«à“ 1 1 ªï ∂÷ß 5 ªï

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

ß∫°“√‡ß‘π√«¡ 2549 Õ—μ√“¥Õ°‡∫’¬È ª√—∫¢÷πÈ ≈ßμ“¡ √“§“μ≈“¥

‰¡à¡’ Õ—μ√“¥Õ°‡∫’¬È

√«¡

3,276.38 309.51 49.88 3,635.77

4,887.57 274.50 10.50 5,172.57

44.34 482.27 526.61

9.68 9.68

54.02 8,163.95 584.01 482.27 60.38 9,344.63

5,578.12 60.00 107.30 70.00 5,815.42

1,000.00 1,000.00

89.44 800.00 889.44

-

5,667.56 60.00 107.30 1,070.00 800.00 7,704.86 (Àπ૬: ≈â“π∫“∑)

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

ß∫°“√‡ß‘π√«¡ 2548 Õ—μ√“¥Õ°‡∫’¬È ª√—∫¢÷πÈ ≈ßμ“¡ √“§“μ≈“¥

‰¡à¡’ Õ—μ√“¥Õ°‡∫’¬È

√«¡

2,626.18 322.75 7.71 2,956.64

4,072.22 313.23 4,385.45

15.45 414.18 429.63

8.25 8.25

23.70 6,698.40 635.98 414.18 7.71 7,779.97

4,195.00 295.00 163.00 1,050.00 5,703.00

1,070.00 1,070.00

57.80 57.80

-

4,252.80 295.00 163.00 2,120.00 6,830.80

67


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«—π∑’¡Ë º’ ≈∫—ߧ—∫ μ“¡ —≠≠“

«—π∑’˧√∫°”Àπ¥ ¢Õß —≠≠“

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29 ¡‘∂ÿπ“¬π 2549

29 ¡‘∂ÿπ“¬π 2549

29 ¡‘∂ÿπ“¬π 2552

29 ¡‘∂ÿπ“¬π 2552

¡Ÿ≈§à“ μ“¡ —≠≠“ (≈â“π∫“∑) 100 1,000 400

600

200

Õ—μ√“ ¥Õ°‡∫’Ȭ√—∫ (√âÕ¬≈–) ≈Õ¬μ—« 5.50 ≈Õ¬μ—«

Õ—μ√“ ¥Õ°‡∫’¬È ®à“¬ (√âÕ¬≈–) 3.25 ≈Õ¬μ—« 4.50 ªï·√° ≈Õ¬μ—«ªï∑’Ë Õß ·≈– “¡ ≈Õ¬μ—« 6.25 ªï·√° ≈Õ¬μ—«ªï∑’Ë Õß ·≈– “¡ ≈Õ¬μ—« 6.25 ªï·√° ≈Õ¬μ—«ªï∑’Ë Õß ·≈– “¡

¡Ÿ≈§à“¬ÿμ‘∏√√¡ ÿ∑∏‘¥â“π °“√‡ª≈’ˬπ·ª≈ß  ‘π∑√—æ¬å/(¥â“πÀπ’È ‘π) ¢Õß¡Ÿ≈§à“ 2549 2548 ¬ÿμ‘∏√√¡ (≈â“π∫“∑) (≈â“π∫“∑) (≈â“π∫“∑) 0.55 0.95 -

(22.19)

(16.00)

(6.19)

(2.93)

-

-

(0.98)

-

-

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‡π◊ËÕß®“° ‘π∑√—æ¬å·≈–Àπ’È ‘π∑“ß°“√‡ß‘π à«π„À≠à¢Õß∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®—¥Õ¬Ÿà „πª√–‡¿∑√–¬– —Èπ ‡ß‘π„Àâ°Ÿâ¬◊¡·≈–‡ß‘π °Ÿâ¬◊¡¡’Õ—μ√“¥Õ°‡∫’Ȭ„°≈⇧’¬ß°—∫Õ—μ√“¥Õ°‡∫’Ȭ„πμ≈“¥ ∫√‘…—∑œ·≈–∫√‘…—∑¬àÕ¬®÷ߪ√–¡“≥¡Ÿ≈§à“¬ÿμ‘∏√√¡¢Õß ‘π∑√—æ¬å·≈–Àπ’È ‘π ∑“ß°“√‡ß‘π„°≈⇧’¬ß°—∫¡Ÿ≈§à“μ“¡∫—≠™’∑’Ë· ¥ß„πß∫¥ÿ≈ 29.

°“√®—¥ª√–‡¿∑√“¬°“√„πß∫°“√‡ß‘π ∫√‘…—∑œ‰¥â¡’°“√®—¥ª√–‡¿∑√“¬°“√∫—≠™’∫“ß√“¬°“√„πß∫°“√‡ß‘π ”À√—∫ªï ‘Èπ ÿ¥«—π∑’Ë 31 ∏—𫓧¡ 2548 „À¡à‡æ◊ËÕ„Àâ Õ¥§≈âÕß °—∫°“√®—¥ª√–‡¿∑√“¬°“√∫—≠™’¢Õߪïªí®®ÿ∫—π ´÷Ë߉¡à¡’º≈°√–∑∫μàÕ°”‰√ ÿ∑∏‘À√◊Õ à«π¢ÕߺŸâ∂◊ÕÀÿâπμ“¡∑’ˉ¥â√“¬ß“π‰ª·≈â«

30.

°“√Õπÿ¡—μ‘ß∫°“√‡ß‘π ß∫°“√‡ß‘ππ’È ‰¥â√—∫Õπÿ¡—μ‘ „ÀâÕÕ°‚¥¬§≥–°√√¡°“√∫√‘…—∑œ‡¡◊ËÕ«—π∑’Ë 28 °ÿ¡¿“æ—π∏å 2550

69


70

ÿ ¥ À— « „ ® „ Àâ ∫ √‘ ° “ √ SERVICE WITH PASSION


M

................................................................................................................................................

ESSAGE FROM THE BOARD OF DIRECTORS

The directors have pleasure in presenting the Company and its subsidiary没s annual report and audited financial statements for the year ended 31st December 2006.

ECONOMY & INDUSTRY IN 2006 During the year 2006, Thai economy slightly improved from the year 2005. GDP increased from 4.5% in 2005 to 5.0% in 2006 as a result of a high export growth of 17.4% and a slow import growth of only 7%. This led to a surplus of trade balance. In addition, the improvement of the tourism sector led to a surplus in current account. Despite the slight improvement in private consumption, domestic demand decelerated from the previous year primarily due to the slowdown in private investment. Interest rates moved upward during the first half of Y2006, but stabilized in the second half of the year. The 1-day repurchase rate and the overnight interbank rate averaged at 4.64% and 4.69% respectively, higher than the previous year没s 2.63% and 2.64%. The new vehicle sales decreased by 3.0% from 703,432 units in 2005 to 682,500 units in 2006. The average industrial capacity utilization has increased from 72.0% in 2005 to 74.2% in 2006 to signal a need of capacity expansion in many businesses.

PERFORMANCE IN 2006 The Company and its subsidiary, on a consolidated basis, registered total assets of THB 9,444 million as of 31st December 2006 increasing by 19.6% from THB 7,898 million in 2005 mainly due to the portfolio growth. Internally generated funds of THB 119 million from profitable operations relieved the burden of totally relying external borrowings to support the assets increase. The equity base expanded by 76.1% from THB 895 million in 2005 to THB 1,576 million in 2006 as a result of the increase in paid-up capital from THB 575 million to THB 1,150 million and the net profit contribution. The financial leverage was thus played down by a 12.3% increase from THB 7,003 million in 2005 to THB 7,867 million in 2006. The total revenues advanced by 20.9% from THB 742 million in 2005 to THB 897 million in 2006. Interest expenses in 2006 were THB 391 million compared to THB 210 million in 2005 reflecting higher general interest rates and more borrowings. Consequently the net profit decreased by 19.0% from THB 146 million in 2005 to THB 119 million in 2006. The net profit margin and return on equity were 13.22% and 9.59% in 2006. Total portfolio increased from THB 7,749 million as of 12/31/2005 to THB 9,230 million as of 12/31/2006 due to increased disbursements from hire purchase, leasing, and factoring business. However, NPLs were 0.54% of the total portfolio as of 12/31/2006 reflecting the good asset quality. The ratio of Allowance for Doubtful Account to NPLs was provided at 242.6% indicating the adequacy of the Company没s reserve for doubtful debts.

71


................................................................................................................................................ CORPORATE GOVERNANCE The Board of Directors has recognized the important of good corporate governance under the policy of trustworthy management, integrity, transparency and pay attention to the transactions may be conflict of interest including to maintain the benefit of shareholders with accurately, adequately and timely disclosure of information. In addition, the company has provided the management system with good quality under the suitable risk management and internal control and also provided the measurement system effectively in accordance with the company没s strategy to operate throughout the company. All things are necessary to encourage and sustain corporate growth in order to achieve the company没s goal to strengthen the maximize value of all shareholders, investors and other related parties.

2007 BUSINESS PROSPECT AND STRATEGY In 2007, Thailand没s GDP growth is forecasted at 4.0% - 5.0% with a slightly softer economic perspective as compared with the previous year as a result of political uncertainty. The hire purchase industry is expected to continue expanding, following a growth of auto industry by 3.0% to reach 700,000 units this year. The leasing and factoring businesses are expected to continue growing, benefiting from an increase in investment in machinery equipment driven by capacity expansion and in working capital need. The competition will be fierce as a result of the presence of commercial banks in the hire purchase and leasing business. The business strategy for 2007 is to expand our financial services including hire purchase, leasing, factoring and floor plan to individuals and small and medium size entrepreneurs. The Company will also focus more on the fee-based income which contributed 16.1% of the total revenues for the previous year. Finally, the Company Board of Directors would like to convey gratitude to shareholders, customers, creditors, and employees for their supports and confidences. For and on behalf of the Board of Directors.

Dr. Amnuay Viravan Chairman

72

Mr. Lo Jun Long Managing Director


A

................................................................................................................................................

UDIT COMMITTEEûS REPORT

To Shareholders, Audit Committee of Asia Sermkij Leasing Public Company Limited consisted of three independent and non-executive directors who have qualification as stipulated by the Stock Exchange of Thailand, namely 1. Mr. Pradit Sawattananond Chairman of the Audit Committee and Independent Director 2. Mr. Anant Svattananon Audit Committee and Independent Director 3. Asso. Prof. Dr.Supriya Kuandachakupt Audit Committee and Independent Director The Audit Committee has role and responsibilities to review financial reports and to ensure that the Company has appropriate effective internal control and internal audit systems, as well as to perform other duties as designated by the Board of Directors and agreed by the Audit Committee in accordance with the terms and best practices for Audit Committees of the Stock Exchange of Thailand. During Year 2006, the Audit Committee held 5 meetings. The meetings coordinated with Companyûs Management, internal auditors and external auditors having discussion in the related agendas. The Audit Committee performed duties with the main responsibilities summarized as follows: 1. To review the consolidated quarterly, semi annual, and annual financial statements with the external auditor in order to ensure the sufficient and accuracy disclosure of information and the financial statements were prepared in accordance with generally accepted accounting standard. 2. To approve internal audit plan for fiscal year 2007 on risk based approach and acknowledge significant audit results and improvement from Internal Audit Department and meeting with management for review internal control assessment in many aspects as prescribe in Assessment Form of Sufficiency of Internal Control System in order to provide reasonable assurance for appropriate and effective internal control system. 3. To review the Companyûs operation in compliance with the Securities and Exchange Acts, the Stock Exchange of Thailandûs regulations and laws relating to the business of the Company. Upon review, the Audit Committee had opinion that the operation was in accordance with relevant rules and regulations. 4. To review connected transactions which may cause conflict of interest as prescribe by the Stock Exchange of Thailand and the Securities and Exchange Commission in order to make clearly transactions and ensure compliance with generally accepted business practices and all required regulations. 5. To consider and propose the appointment of the Ernst & Young Office Limited as the Companyûs external auditors for the fiscal year 2007 by considering from reasonable remuneration in order to propose the Board of Directors and ask approval from the Shareholdersû meeting. The Audit Committee had performed duties with caution and independence complied with the principles of good corporate governance by emphasizing transparency and code of corporate conduct in order to strengthen the confidence of all shareholders, investors and other related parties.

(Mr. Pradit Sawattananond) Chairman of the Audit Committee

73


G

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ENERAL INFORMATION

THE COMPANY Company Name Address

: Asia Sermkij Leasing Public Company Limited : Headquarters 24th Fl., Sathorn City Tower, 175 South Sathorn Road, Tungmahamek, Sathorn, Bangkok 10120 Tel: 0-2679-6226, 0-2679-6262 Fax: 0-2679-6241-3 Rayong Branch No 6, 8 Rayong Center, Sukhumvit Road, Thapradu, Muang, Rayaong 21000 Tel: 0-3861-2185, 0-3861-7380, 0-3886-0153-5 Fax: 0-3886-0156 Samutsakorn Branch 6th Floor, A.T. Tower, No 923/55, Ekachai Road, Mahachai, Muang, Samutsakorn 74000 Tel: 0-3442-6923-33 Fax: 0-3483-7331 Phitsanulok Branch No 9/7-9 Sing-hawat Road, Ban Klang, Muang, Phitsanulok 65000 Tel: 0-5521-6566 Fax: 0-5528-2630 Homepage : www.ask.co.th Registration No. : 0107546000393 Business : Hire purchase on all types of automobiles and personal loan Issued and fully paid-up : Ordinary shares 230,000,000 shares (as at 31st December 2006) shares Par value : 5 Baht per share

THE SUBSIDIARY Company Name Address

: Bangkok Grand Pacific Lease Public Company Limited : 10/1th Fl., Sathorn City Tower, 175 South Sathorn Road, Tungmahamek, Sathorn, Bangkok 10120 Tel : 0-2679-6226, 0-2679-6262 Fax: 0-2679-6241-3 Business : Leasing and Hire Purchase of machinery and vehicles, Factoring Business Issued and fully paid-up : Ordinary shares 43,850,000 shares (as at 31st December 2005) shares Par value : 10 Baht per share

REFERENCES

74

Share Registrar Address

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

Auditor Address

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


................................................................................................................................................

75


ª√–™ÿ¡„À≠à “¡—≠ª√–®”ªïºŸâ∂◊ÕÀÿâπ§√—Èß∑’Ë 22/2549 Annual General Meeting of Shareholders No. 22nd/2006

76

ª√–™ÿ¡«‘ “¡—≠ºŸâ∂◊ÕÀÿâπ§√—Èß∑’Ë 1/2549 Extraordinary General Meeting of Shareholders No. 1st/2006


F

INANCIAL HIGHLIGHTS 2006

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

2005

2004

Million Baht 9,443.84 8,075.62 567.77 464.18

7,898.33 6,639.10 620.46 406.09

6,027.93 4,866.34 686.70 304.17

7,867.36 1,576.48

7,003.18 875.15

5,421.23 606.71

896.80 655.35 58.88 36.51 303.86 45.33 391.22 118.57

741.56 510.62 69.70 28.45 291.78 49.49 209.81 146.46

557.98 388.23 46.61 15.10 237.88 36.15 115.06 137.65

% % % % % Baht/Share Baht/Share % Baht/Share

8.93 5.60 3.33 13.22 9.59 0.82 6.85 47.11 0.60

8.97 3.83 5.14 19.75 19.31 1.46 7.78 50.13 0.60

8.77 2.93 5.84 24.67 26.30 1.68 6.59 -

% Times

1.37 0.10

2.10 0.11

2.60 0.11

Times Times %

4.99 1.17 0.54

7.82 1.13 0.43

8.94 1.12 0.37

Million Baht

Million Baht

Source : Consolidated financial statements of Asia Sermkij Leasing Public Company Limited were audited by certified public accountant for the Year 2004 -2006 1/ Note Interest revenue is an Effective Rate and interest expense includes aval and guarantee fees.

77


................................................................................................................................................

2006

1,576.48

875.15

2005

2006

Unit : Million Baht

Net profit after tax

2004

2005

118.57

741.56

2005

2004

146.46

557.98

2004

896.80

Unit : Million Baht

Total revenues

78

2006

606.70

7,898.33

2005

Unit : Million Baht

Total shareholders没 equity

137.65

6,027.93

2004

9,443.84

Unit : Million Baht

Total assets

2006


N

................................................................................................................................................

ATURE OF BUSINESS

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

Structure and Operation of the Group Company

The Subsidiary

The Company Asia Sermkij Leasing Public Company Limited -

Hire purchase on all auto types Personal loan Floor plan financing to auto dealers Auto registration, tax renewal and insurance service

99.99%



Bangkok Grand Pacific Lease Public Company Limited -

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

Business Operation in Each Product Line Business operation of the group company can be classified into 4 main categories, i.e. 1) Automobile hire purchase 2) Machinery and vehicle leasing / hire purchase 3) Domestic and international factoring and 4) Other services including personal loan & floor plan financing, auto registration, tax renewal and insurance service. Details are as follows: 1. Automobile Hire Purchase Business The Company offers auto hire purchase, mainly to individual customers, for both new and used automobile, including personal and commercial car, e.g. pickup, van, truck and taxi, etc. Majority of the Companyûs customers are in Bangkok and metropolitan area followed by customers in the central, eastern and west region. Currently the Company is a founding member of Thai Hire Purchase Association. One of the Companyûs management is a director of such association. In addition, the Company is a member of the National Credit Bureau Co., Ltd.. 2.

Machinery and Vehicle Leasing / Hire Purchase Business The Subsidiary has commenced its leasing and hire purchase businesses since Year 1989 primarily to corporate customers. The leasing credit includes both financial lease and operating lease. The majority of the business operators utilizing services of the Subsidiary are situated in Bangkok and metropolitan area. The Subsidiary focuses on providing service to small and medium size enterprises in industries with growth and profitability potential such as tools & equipments, services, vehicles & auto parts and electronics. Assets under leasing and hire purchase agreement 79


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include machinery, equipment and vehicle. Leased and hire-purchased machinery of the Subsidiary consists of both new and used machines, particularly durable and liquid machinery whose technology does not change rapidly. Leased and hire-purchased vehicles include various types of both new and used vehicles, i.g. pickup, van and truck, etc. Currently the Subsidiary is a member of Thailand Leasing Association. 3.

Factoring Business The Subsidiary has commenced its factoring business since Year 1999 mainly to the small and medium size corporate customers with good operating performance, strong financial status and repayment ability in the industries with growth potential and the need of short-term working capital. Target customers of the Subsidiary for factoring include business operators in electronics, packing, chemical and plastic and tools & equipments. Factoring service can be divided into 2 main areas, i.e. domestic factoring, a purchase of claiming rights to collect payment from receivables of products and service providers whose business counterparts (purchasers) are domestic entities, and international factoring, a purchase of claiming rights over trade receivables from the products and service providers whose business counterparts (purchasers) are situated overseas worldwide. International factoring can be further divided into 2 main categories as follows: Import Factoring The Subsidiary provides guarantee on the purchaserÝs (importer) payment capability to the seller overseas. In case where the importer fails to make payment for goods and service after 90 days from the due date, the Subsidiary, as a guarantor, will be obliged to make payment on such products and services on behalf of the importer. The Subsidiary will then make recourse to the purchaser (importer) or its guarantor. In case of dispute between the purchaser and the seller, the Subsidiary will not be obliged for the payment until such dispute is resolved. Export Factoring The Subsidiary acts as intermediary in the coordination with the import factor of the oversea importer, business counterpart of the exporter, overseas. It also verifies the status of the importer through import factor and provides debt guarantee to the exporter in case where the foreign importer fails to make payment for goods and service after 90 days from the due date. In lieu of the foreign importer, the import factor will make payment to the Subsidiary to be further forwarded to the exporter for its goods and services. Presently, the Subsidiary is a member of the Factors Chain International (çFCIÊ).

4.

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Other Financing Businesses and Services The Company provides other financing services such as personal loan and floor plan financing. Personal loan is a special service offered only to the good customers in need of cash with a credit line of Baht 50,000 per customer with short repayment term and hire-purchased vehicles as collateral. The Company has commenced personal loan service since Year 2002. In addition, the Company has commenced its floor plan financing service since late 2003 to auto dealer as a source of fund for auto purchasing for resale to enhance liquidity. The Company provides such financial support on a selective basis only to auto dealers who referred hire purchase customers to the Company. The Company and its subsidiary also provide other services to auto hire purchase customers including auto registration, tax renewal and insurance facilitation services, etc. in order to provide full range of service to the customers.


................................................................................................................................................ Revenue Structure of the Company and its Subsidiary During the Year of 2004 - 2006, revenue structure of the Company and its subsidiary can be classified by the types of businesses as follows: Type of Business Operated by Year 2006 Year 2005 Year 2004 Revenue % Revenue % Revenue % (MBaht) (MBaht) (MBaht) Hire purchase Company and its subsidiary 655.35 73.08 510.62 68.86 388.23 69.58 Leasing Subsidiary 58.88 6.56 69.70 9.40 46.61 8.35 Factoring Subsidiary 36.51 4.07 28.45 3.84 15.10 2.71 1/ Other income Company and its subsidiary 146.06 16.29 132.79 17.90 108.04 19.36 Total 896.80 100.00 741.56 100.00 557.98 100.00 Remark: 1/ Other income includes income from personal loan, floor plan financing, income from registration fee and service, income from late payment fine, income from insurance service, interest income, other incomes and etc.

Business Competition 1.

Auto Hire Purchase Business In Year 2006, the auto hire purchase business for individual customers has become highly competitive primarily due to the high level of oil prices and interest rate. In addition, the Bank of Thailand没s Financial Master Plan, which allowed the commercial bank to conduct hire purchase service business, affected the pricing and services since the financial institutions have lower financial cost and broader service area coverage. They are hence considered new competitors that would intensify the competition in auto hire purchase business. However, the Company没s policy does not focus on pricing strategy but concentrates on service quality, an appropriate proportion between the new and used car financing which generates good return with acceptable risk rate. In addition, experience and skill in hire purchase business, variety of services, convenient and fast service provision, its knowledgeable and skilled personnel, strict credit approval and control system and good relationship with business partners. All these together will enable the Company to effectively compete with competitors in the industry.

2.

Machinery and Vehicle Leasing / Hire Purchase Business Though the machinery and vehicle leasing / hire purchase business which focus on corporate customers becomes more competitive and affected by the same main factors as auto hire purchase business for individual customers, the competition in this industry is lessened due to small number of competitors in the industry and relatively similar market share of each competitor. Additionally, continual expansion in investment by both private and government sectors drives the Industrial Capacity Utilization Rate up to approximately 70 - 81 percent during Year 2005 - 2006 reflecting increasing demand for machinery for capacity improvement or expansion and thereby raising the expansion trend for machinery and vehicle hire purchase / leasing market. Furthermore, due to its skill and experience from being in business for more than 20 years, good relationship with asset dealer and pricing policy emphasizing not on pricing but instead on the importance of service quality enhancement as well as high liquidity of assets under hire purchase / leasing agreement, the Subsidiary then has potential to compete in the increasingly competitive market condition.

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3.

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


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ISK FACTORS

1.

Risk of Mismatching between the Term of Financing and Source of Fund The Company and its subsidiary charge a fixed interest rate to their hire purchase and leasing customers throughout the term of agreements whilst major loans whose borrowing costs fluctuate according to the market interest rate. This leads to fluctuation of interest rate risk and liquidity risk. However, as approximately 45 percent of total receivables of the Company and its subsidiary are repaid in each year, the Company and its subsidiary can lend the proceeds collected to new debtors at the higher interest rate according to the market rate. In relation to the financial liquidity risk, the Company and its subsidiary can be exposed to the risk of demand for loan repayment or non-renewal of the loans after maturity by the financial institutions as the majority of loan of the Company and its subsidiary are short-term. However, most of these short-term loans are from financial institutions, which are the Company没s major shareholder, and hence the risk of demand for repayment is minimal. In addition, since the economic crisis in the Year 1997 the Company and its subsidiary have never incurred any problem concerning the source of borrowing and sufficiency of the working capital as their short-term loans have never been recalled for repayment or unable to renew upon maturity. In addition, the Company and its subsidiary has secured additional credit line from domestic financial institutions and diversified more fund from new sources such as equity market, which can reduce the liquidity risk.

2.

Risk from Marketing and Competition Due to the fact that the auto hire purchase financing of the Company correlates to a change in domestic auto sales together with the fact that the Company and its subsidiary没s incomes are mainly derived from auto hire purchase services, accounting for around 73.08 percent of total revenue at the end of Year 2006, the Company and its subsidiary may expose to highly competitive and the risk arisen from the recession of automobile industry. However, the Company and its subsidiary没s policy are to offer a good quality service, to maintain the existing customer base, to have strict credit approval and to have a monitoring measure for customer repayment process. If the auto industry is in downturn, the Company and its subsidiary will slow down the expansion of service areas into other provinces but will maintain the level of financing. A focus will be made on an increase in the proportion of other types of financing not directly affected by the recession of automobile industry, e.g. machinery hire purchase & leasing and factoring services, and the increase of income from service fee in order to increase the profitability of the Company and its subsidiary and to help alleviate the risk of dependence upon the automobile industry. In addition, the Bank of Thailand establishes a Financial Master Plan, which allows the commercial bank to operate hire purchase and leasing businesses. This is expected not to draw a large number of new rivals into the industry as, at present, several commercial banks have already provided leasing and hire purchase services through their affiliate companies. Notwithstanding, the Company and its subsidiary have a policy to maintain the level of interest rate spread by concentrating on providing services with high yield. With more than 20-year experience in hire purchase and leasing businesses together with diversified, full range of services provided, good relationship with dealers of hire purchased and leased assets, efficient credit management and control system and knowledgeable and experienced staff, these factors bring about convenient and fast services of the Company and its subsidiary which respond to the customers没 demand. As such, management of the Company and its subsidiary is confident in their competitive edge over competitors.

3.

Risk of Used Cars Financing Financing between new and used cars differs in terms of risk and return to service providers. Although financing on a used car encounters a higher risk than a new one in terms of car appraisal, it provides a higher return. In order to prevent the risk which may arise from financing on used cars, the Company and its subsidiary set out a policy of financing on autos that are popular, liquid and durable which will be easily marketable at good prices in resale market. A measure on credit approval on used cars is strictly and tightly set out. Additionally, the Company and its subsidiary 83


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have policy to maintain a good relationship with a number of used car dealers. Used car transaction will be made only with trustworthy and financially stable dealers who only sell quality used car at reasonable prices. This will help reduce the potential risk which may arise from the substandard used cars while increasing confidence of the Company and its subsidiary没s customers. The Company and its subsidiary are also staffed with experiences in used car marketing together with specific expertise in used car appraisal and inspection to maximize the accuracy of credit verification. Additionally, the staffs are also highly experienced in debt monitoring, collection and acceleration. Accordingly, the Company and its subsidiary have never experienced loss arising from significant error in the appraisal of hire-purchased cars. Historically, the Company and its subsidiary have never encountered a lack of qualified personnel as a promotion policy is clearly set out together with appropriate remuneration and standard operation system. Staff training is also arranged on a regular basis to enhance their knowledge and operating skill. 4.

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Risk of Non-Performing Loans Risk of non-performing loans is one of the risks which might arise as a result of financing. Thus Credit providers require qualified personnel, efficient credit approval system and adequately strict credit control and collection. To prevent the risk from non-performing loans, the Company and its subsidiary hence have laid out the measures comprising screening of quality employees and customers, strict and careful credit approval and effective credit control and collection. In addition, the Company and its subsidiary opt for the liquid and popular assets which can be promptly resold at a good price, to generate profit or minimize loss, in case of default of payments. However, in case where the selling price of asset sold is less than the amount of outstanding debts, the Company and its subsidiary can pursue the collection and legal proceeding to claim for the remaining debts from its debtors. As such, the risk from non-performing loans of the Company and its subsidiary has been minimal. As at the end of Year 2006 and 2005, non-performing loans accounted for 0.54 percent and 0.43 percent of total outstanding receivables of the Company and its subsidiary, respectively. In addition, the Company and its subsidiary also continued to collect these bad debts and can partially collect money and other assets from the debtors.


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HAREHOLDING AND MANAGEMENT STRUCTURE

Organization Chart

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

Deputy Managing Director

General Manager

Chief Financial Officer

Senior AGM

AGM (Marketing Divis) Marketing (Line 1)

AGM (Branch Divis) Credit Operation Dept.

Chief Information Officer

Chief Administratiive Officer (Acting)

AGM (Credit Control Divis)

Rayong Branch

Customer Service Dept.

Accounting Dept.

Marketing (Line 2)

Samutsakorn Branch

Dept Management Dept.

Finance Dept.

Insurance Dept.

Phitsanulok Branch

Verification Dept.

Investor Relations Dept.

Information System and Automation Dept.

Planning Dept. Human Resources and Administration Dept.

Legal Dept. Repossessed car Dept.

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................................................................................................................................................ Shareholding Structure The top 10 shareholders as at 31st December 2006 are: No. Name 1. Chailease Finance Co., Ltd. 2. AK Enterprise (Thailand) Co., Ltd. 3. Bangkok Bank Public Company Limited 4. Mr. Chatree Sophonpanich 5. Thai NVDR Co., Ltd. 6. Bangkok Insurance Public Company Limited 7. Mr. Koo John-Lee 8. Mrs. Vaewta Luareesuwan 9. Dr. Amnuay Viravan 10. Asia Plus Securities Public Company Limited Total

No. of Shares 86,096,730 80,447,280 16,899,560 11,212,360 10,812,800 2,204,280 1,079,640 1,040,000 925,600 826,620 211,544,870

(Shares) % 37.43 34.98 7.35 4.87 4.70 0.96 0.47 0.45 0.40 0.36 91.97

Management Management structure includes the Board of Directors, the Audit Committee, the Executive Board of Directors and the Management. Board of Directors As of 31st December 2006 the Company没s Board of Directors consists of 12 members with 3 members of the Audit Committee as follows: 1 Dr. Amnuay Viravan Chairman of the Board of Directors / Chairman of the Executive Board of Directors 2 Mr. Lo, Jun-Long Executive Director / Managing Director 3 Mr. Tientavee Saraton Executive Director / Deputy Managing Director 4 Mr. Shen, Ying-Hui Executive Director 5 Mr. Huang, Cheng-Ming Director 6 Mr. Huang, Ming-Fu (resigned) ** Director Mr. Chen, Chi-Ching (new) ** Director 7 Mr. Chen, Fong-Long Director 8 Mr. Yang, Chia-Ming Director 9 Mrs. Patima Chavalit Director 10 Mr. Pradit Sawattananond Chairman of the Audit Committee / Independent Director 11 Mr. Anant Svattananon Member of the Audit Committee / Independent Director 12 Asso. Prof. Dr. Supriya Kuandachakupt * Member of the Audit Committee / Independent Director Remark: * According to the resolutions the Company没s meeting of the Board of Directors No. 4th/2006 held on 10th May 2006, it acknowledged the resignation of Pol. Lt. Gen. Pichet Kuandachakupt from Member of the Audit Committee/ Independent Director, and appointed Asso. Prof. Dr. Supriya Kuandachakupt to be Member of the Audit Committee / Independent Director. ** According to the resolutions the Company没s meeting of the Board of Directors No. 2nd/2007 held on 28th February 2007, it acknowledged the resignation of Mr. Huang, Ming-Fu from Director effective on 1st March 2007 and the resolutions the Company没s meeting of the Board of Directors No. 3rd/2007 held on 22nd March 2007, it opined appointed Mr. Chen, Chi-Ching to be Director. 86


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Power, Role and Responsibilities of the Board of Directors 1. To administrate and manage the Companyûs business in conformity with applicable laws, company objectives, and the articles of association as well as the resolutions of the shareholdersû meeting. To use his authority to do any action as specified in the memorandum of association or which may be relevant to such action pursuant to the Public Limited Companies Act honestly and in good faith and with care to preserve the interest of the Company and to disclose any information accurately and completely standardized and to be transparent. 2. To consider and have Authority on Credit Approval, Non-Policy Expenses Approval, and Non-Policy Assets (Buying and Selling) Approval as granted from Shareholders Meeting, other Non-Policy, and annual business plan, budgeting, or management including policy or administrative matters which has no set policy or which is beyond the authority of the Executive Board of Directors but requested for approval by them under the authority and/or authorized amount that the Board of Directors are approved by the meeting of shareholders. 3. The Board of Directors may appoint the directors and/or some executives as deemed appropriate to administrate and manage the Companyûs business as assigned by the Board of Directors; unless it is clearly stipulated otherwise in the Companyûs article of association. 4. A director shall not: operate any business which has the same nature and is in competition with the business of the company; become a partner in an ordinary partnership; become a partner with unlimited liability in a limited partnership, or become a director of a private company or any other public limited company operating business which has the same nature as and is in competition with the business of the Company either for the directorûs own benefit or for the benefit of other persons, unless the director notifies the shareholdersû meeting before the resolution for his or her appointment has passed. 5. A director shall, without delay, notify the Company in case that he/she has a direct or indirect interest in any contract which is made by the Company during the fiscal year, and shall indicate the nature of the contract, names of the contracting party and his/her interest in the contract. Furthermore, a director shall notify the Company if he/she holds shares or a debenture or any other securities of the Company or any affiliated company, which have increased or decreased during the fiscal year. 6. A director who has specific interest in any matter shall not be entitled to vote on such matter. 7. At any meeting, in an event of a tie vote, the chairman of the meeting shall have the casting vote. 8. The Board of Director will stipulate the company to have the efficient and effectiveness internal control system by appointing the internal audit department to follow up and co-proceed and coordinate with the Audit Committee to conduct the business of the company to comply with the laws and the regulations of competent bodies in line with business moral. The authorization of powers to the Board of Directors shall be subject to the laws, rules and regulations of the Company and relevant authorities such as the Securities and Exchange Commission, the Stock Exchange of Thailand. Executive Board of Directors As of 31st December 2006, the Executive Board of Directors consists of 6 members as follows: 1 Dr. Amnuay Viravan Chairman of the Board of Directors / Chairman of the Executive Board of Directors 2 Mr. Lo, Jun-Long Executive Director / Managing Director 3 Mr. Tientavee Saraton Executive Director / Deputy Managing Director 4 Mr. Shen, Ying-Hui Executive Director 5 Mr. Chen, Fong-Long Director 6 Mr. Huang, Cheng-Ming Director 87


................................................................................................................................................ Power, Role and Responsibilities of the Executive Board of Directors 1. To generally act on behalf and in the interest of the Company and its subsidiaries to carry on the business. 2. To administrate the Companyûs business under the resolutions/ regulations of the Board of Directors. 3. To consider and have Authority on Credit Approval, Non-Policy Expenses Approval, Non-Policy Assets (Buying and Selling) Approval, and request for approval to the Board of Director for which is beyond the granted authority and/or authorized amount. To consider and have authority on personnel Policy which includes recruiting, transferring, promoting, terminating, compensating, annual salary increase and other related human resource management as granted from the Board of Directors. 4. To appoint one or more directors in the Executive Board of Directors or other persons to perform which is under the any act and they supervision of the Executive Board of Directors as the Executive Board of Directors may deem appropriate and within the period defined by them. However, such appointment may be revoked, altered, changed as the Executive Board of Directors deemed appropriate. 5. To perform any other act delegated by the Board of Directors.In authorizing the Power, Role and Responsibility of the above Executive Board of Directors, such authority shall be under the rules and regulationsû of relevant laws, regulations and article of association of the Company. In addition, the members of the Executive Board of Directors or then related persons will not be able to approve the transactions which are not normal course of business of the Company or under generally accepted conditions while they have conflict or participation or interest against the Company or the Companyûs subsidiary and shall report the transactions to the BOD to comply with the role and regulation of the SET.

Audit Committee As of 31st December 2006, the Audit Committee consists of 3 members as follows: 1 Mr. Pradit Sawattananond Chairman of the Audit Committee / Independent Director 2 Mr. Anant Svattananon Member of the Audit Committee / Independent Director 3 Asso. Prof. Dr. Supriya Kuandachakupt * Member of the Audit Committee / Independent Director Remark: * According to the resolutions the Companyûs meeting of the Board of Directors No. 4th/2006 held on 10th May 2006, it acknowledged the resignation of Pol. Lt. Gen. Pichet Kuandachakupt from Member of the Audit Committee/ Independent Director, and appointed Asso. Prof. Dr. Supriya Kuandachakupt to be Member of the Audit Committee / Independent Director. Role and Responsibilities of the Audit Committee 1. To check and examine the Companyûs financial reports so that the Company shall have correct and complete financial reports for disclosure. In performing such duty, the independent directors and the Audit Committee shall coordinate with outside auditors and responsible executives in preparing the quarterly and annual financial reports. The independent directors and the Audit Committee may suggest the auditors to check or examine any accounting items as seen necessary and material while auditing the Companyûs accounts. 2. To check and examine the Companyûs internal control and audit system so that the Company shall have a suitable and efficient internal control and audit system. The independent directors and the Audit Committee shall jointly work with outside and internal auditors. 3. To check and monitor the Companyûs performance so that the Company shall comply with the Securities and Exchange Act, rules and regulations of SET Office or any laws regarding the securities business. 4. To consider choosing and nominating the Companyûs auditors and proposing their remuneration after consideration of the reputation, sufficiency of resources and quantities of audit works of any audit offices and experiences of the persons assigned to audit the Companyûs accounts. 5. To consider disclosing the correct and complete Companyûs data in case of having the conflict of interest or connected transaction that may lead to the conflict of interest. 6. To perform any duties as assigned by the Companyûs Board of Directors and agreed by the Audit Committee, such as the policy on financial and risk management, considering the management boardûs business etiquette, and considering any important reports together with the Companyûs management board that shall be disclosed to the public as required by law, such as the managementûs reports and analysis. 88


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To prepare the report on activities of the Audit Committee to be disclosed in the Company没s annual report. Such report shall be duly signed by the chairman of the Audit Committee.

Management As of 31st December 2006, management comprises: 1 Dr. Amnuay Viravan 2 3 4 5 6 7

Mr. Lo, Jun-Long Mr. Tientavee Saraton Mr. Srayuth Khaola-iead Mr. Danai Lapaviwat Mr. Sarayuth Chaisawadi Mr. Chonpichet Tantigittipinyo

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

Chairman of the Board of Directors / Chairman of the Executive Board of Directors Executive Director / Managing Director Executive Director / Deputy Managing Director General Manager Chief Financial Officer/ Secretary of the Board of Directors Chief Information Officer/ Acting Chief Administrative Officer Senior Assistant General Manager

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

Chairman of the Executive Board of Directors, Asia Sermkij Leasing Public Company Limited 1999 - Present Chairman of the Board of Directors, Asia Sermkij Leasing Public Company Limited 1999 - Present Chairman of the Board of Directors/ Chairman of the Executive Board of Directors, Bangkok Grand Pacific Lease Public Company Limited 2002 - Present Chairman of the Board of Directors, Saha-Union Public Company Limited 2002 - Present Chairman of the Board of Directors, Union Textile Industrial Public Company Limited 1999 - Present Chairman of the Board of Directors, Asia Cement Public Company Limited 1997 - Present Chairman of Board of Directors, Union Energy Co., Ltd. Director program Director Accreditation Program No. 18/2005, Thai Institute of Directors Association st Changes of shares held as at 31 December 2006, compared with those of 2005 Increased 462,800 shares (outstanding at 925,600 shares) Mr. Lo, Jun-Long

Position Highest Education Experience 2004 - Present 1999 - Present 1999 - Present

Executive Director/ Managing Director Master of Business Administration, University of Santa Clara, U.S.A.

Executive Director, Asia Sermkij Leasing Public Company Limited Director/ Managing Director, Asia Sermkij Leasing Public Company Limited Executive Director/ Managing Director, Bangkok Grand Pacific Lease Public Company Limited Director program Director Accreditation Program No. 22/2004, Thai Institute of Directors Association Director Certification Program No. 48/2004, Thai Institute of Directors Association st Changes of shares held as at 31 December 2006, compared with those of 2005 (remain unchanged at 180,050 shares) 89


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Mr. Tientavee Saraton

Position Highest Education

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

Experience 2006 - Present 2004 - Present 2004 - Present 1999 - Present 1992 - Present 1992 - 2006 Director program

Deputy Managing Director, Asia Sermkij Leasing Public Company Limited Executive Director, Asia Sermkij Leasing Public Company Limited Executive Director, Bangkok Grand Pacific Lease Public Company Limited Director, Bangkok Grand Pacific Lease Public Company Limited Director, Asia Sermkij Leasing Public Company Limited General Manager, Asia Sermkij Leasing Public Company Limited Director Accreditation Program No. 22/2004, Thai Institute of Directors Association Director Certification Program No. 48/2004, Thai Institute of Directors Association st Changes of shares held as at 31 December 2006, compared with those of 2005 (Remain unchanged at 189,400 shares) Mr. Shen, Ying-Hui

Position Highest Education Experience 2006 - Present 2006 - Present

Director Master of Business Administration, National Central University Taiwan

Director/ Executive Director, Asia Sermkij Leasing Public Company Limited Director/ Executive Director, Bangkok Grand Pacific Lease Public Company Limited 2006 - Present Senior Assistant General Manager, Bangkok Grand Pacific Lease Public Company Limited 2006 - Present Executive Vice President, Chailease Finance Co., Ltd. 2001 - 2006 Executive Vice President, Chailease Consumer Finance Co., Ltd. Director program Director Accreditation Program No. 57/2006, Thai Institute of Directors Association Changes of shares held as at 31st December 2006, compared with those of 2005 None Mr. Huang, Cheng-Ming Position Highest Education

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

Experience 2004 - Present Director, Asia Sermkij Leasing Public Company Limited 2004 - Present Director, Bangkok Grand Pacific Lease Public Company Limited 2006 - Present Chairman, Chailease International Leasing Co., Ltd. 2006 - Present Non-executive Director, Responze TV International Ltd. 2005 - Present Managing Director, AK Enterprise (Thailand) Co., Ltd. 2004 - Present Chairman, My-Funding Corporation 2004 - Present Secretary General / CSO, Chailease Group 2004 - Present Senior Executive Vice President, Chailease Finance Co., Ltd. 1995 - 2003 Chairman / CEO, Otto-Chailease Mailorder Co., Ltd. Director program None Changes of shares held as at 31st December 2006, compared with those of 2005 (Remain unchanged at 231,400 shares) 90


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Mr. Huang, Ming-Fu Resigned effective 1st March 2007

Position Director Highest Education Bachelor of Business Administration, Soochow University Taiwan, R.O.C. Experience 2002 - Present Director, Asia Sermkij Leasing Public Company Limited 2002 - Present Director, Bangkok Grand Pacific Lease Public Company Limited 2002 - Present Chairman, Chailease Finance Co., Ltd. 1994 - Present Chairman/ President, Grand Pacific Investment & Development Co., Ltd. Director program None Changes of shares held as at 31st December 2006, compared with those of 2005 (Remain unchanged at 231,400 shares) Mr. Chen, Chi-Ching Appointed on 22nd March 2007

Position Director Highest Education Master of Science, Master of Science, Sloan School of MIT, U.S.A. Experience 2007 - Present Director, Asia Sermkij Leasing Public Company Limited 2007 - Present Director, Bangkok Grand Pacific Lease Public Company Limited 2004 - Present Director, Grand Pacific Investment & Development Co., Ltd. 2003 - Present Chief Financial Officer, Chailease Finance Co., Ltd. 2003 - Present Chief Financial Officer, Chailease Group 2002 - Present Director, My-Funding Car Leasing Corporation 2002 - Present Executive Director, ABA Universal Corp 2000 - Present Senior Executive Vice President, My-Funding Corp 2000 - 2002 Director, Chailease Resources Trading Co., Ltd. Director program None st Changes of shares held as at 31 December 2006, compared with those of 2005 None Mr. Chen, Fong-Long

Position Highest Education

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

Experience 1999 - Present Director, Asia Sermkij Leasing Public Company Limited 1999 - Present Director, Bangkok Grand Pacific Lease Public Company Limited 2002 - Present President, Chailease Finance Co., Ltd. 2000 - 2002 President, Chailease Acom Finance Co., Ltd. 1999 - 1999 Secretary General, Chailease Group Director program None st Changes of shares held as at 31 December 2006, compared with those of 2005 (Remain unchanged at 231,400 shares)

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Mr. Yang, Chia-Ming

Position Director Highest Education Master of Art & Science, University of Missouri, U.S.A. Experience 2005 - Present Director, Asia Sermkij Leasing Public Company Limited 2005 - Present Director, Bangkok Grand Pacific Lease Public Company Limited 2005 - Present Chief Finance Officer, Chailease International Finance Corporation 2004 - Present Vice President, Finance & Administrative Dept., My Funding Corporation 2003 - Present Special Assistant to Chairman, Chailease Group 2000 - 2003 Manager, Finance & Administrative Dept., My Funding Corporation Director program None Changes of shares held as at 31st December 2006, compared with those of 2005 None Mrs. Patima Chavalit

Position Highest Education Experience 1999 - Present 1993 - Present 2005 - Present

Director Bachelor of Accounting Theory, Chulalongkorn University

Director, Bangkok Grand Pacific Lease Public Company Limited Director, Asia Sermkij Leasing Public Company Limited Senior Vice President, Office of the President, Bangkok Bank Public Company Limited 2001 - 2005 Director/ Executive Vice President, Bualuang Finance Co., Ltd. Director program Director Certification Program No. 48/2004, Thai Institute of Directors Association st Changes of shares held as at 31 December 2006, compared with those of 2005 Decreased 37,500 shares (outstanding at 213,900 shares) Mr. Pradit Sawattananond Position Highest Education Highest Education Experience 2004 - Present

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

Chairman of the Audit Committee/ Independent Director, Asia Sermkij Leasing Public Company Limited 2005 - Present Advisor of the Committee on Economics Department, The House of Representatives 2004 - Present Independent Director, Thai Film Industries Public Company Limited 2004 - Present Director, Thailand Securities Depository Co., Ltd. 2001 - Present Specialist of Committee on Finance, Banking and Financial Institution, The House of Representative 2000 - Present Director/ Audit Committee Member, KGI Securities Public Company Limited Director program Director Accreditation Program No. 19/2004, Thai Institute of Directors Association Director Certification Program No. 3/2000, Thai Institute of Directors Association Audit Committee Program No. 3/2004, Thai Institute of Directors Association Improving the Quality of Financial Report No.4/2006, Thai Institute of Directors Association Chief Financial Officer Certification Program No. 1/2004, Federation of Accounting Professions st Changes of shares held as at 31 December 2006, compared with those of 2005 (Remain unchanged at 60,000 shares)

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Mr. Anant Svattananon Position Highest Education

Audit Committee/ Independent Director Commerce Course, The Institute of Foreign Languages Business Development & Management Course

Experience 2004 - Present

Audit Committee/ Independent Director, Asia Sermkij Leasing Public Company Limited 1998 - Present Executive Vice Chairman, Shanghai Kinghill Co., Ltd. Pudong P.R.O.C. 1998 - Present Managing Director, Star of Andaman Co. , Ltd. Director program Director Accreditation Program No. 38/2005, Thai Institute of Directors Association st Changes of shares held as at 31 December 2006, compared with those of 2005 (Remain unchanged at 50,000 shares) Asso. Prof. Supriya Kuandachakupt

Position Highest Education Experience 2006 - Present

Audit Committee/ Independent Director Doctor of Ecomomics, University of Hawaii, U.S.A.

Audit Committee/ Independent Director, Asia Sermkij Leasing Public Company Limited 2004 - Present Advisor to Director-Genneral of Fiscal Policy Office, Fiscal Policy Office 1986 - Present Associate Professor, Department of Economics, Faculty of Economics, Kasetsart University 2000 - 2004 Dean of Faculty of Economics, Kasetsart University Director program Director Accreditation Program No. 56/2006, Thai Institute of Directors Association st Changes of shares held as of 31 December 2006, compared with those of 2005 (Remain unchanged at 60,000 shares) Mr. Srayuth Khaola-iead Position General Manager Highest Education Bachelor of Marketing, Thammasat University Experience 2006 - Present General Manager, Asia Sermkij Leasing Public Company Limited 1994 - 2006 Assistant General Manager, Asia Sermkij Leasing Public Company Limited Director program None st Changes of shares held as of 31 December 2006, compared with those of 2005 (Remain unchanged at 126,800 shares) Mr. Danai Lapaviwat

Position Highest Education Experience 2004 - Present

Secretary of the Board/ Chief Financial Officer Master of Business Administration, San Diego State University, U.S.A.

Secretary of the Board of Directors, Asia Sermkij Leasing Public Company Limited 2003 - Present Chief Financial Officer, Asia Sermkij Leasing Public Company Limited 2003 - Present Chief Financial Officer, Bangkok Grand Pacific Lease Public Company Limited 2002 - 2003 Senior Manager of Accounting and Finance Division, Tuntex Petrochemical (Thailand) Public Company Limited Director program Director Certification Program No. 48/2004, Thai Institute of Directors Association st Changes of shares held as of 31 December 2006, compared with those of 2005 (Remain unchanged at 89,080 shares)

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Mr. Sarayuth Chaisawadi Position Highest Education Experience 2004 - Present 2002 - Present 2000 - 2002 Director program

Chief Information Officer/ Acting Administrative Officer Master of Science, National Institute of Development Administration

Mr. Chonpichet Tantigittipinyo

Senior Assistant General Manager Bachelor of Economics, Thamaasat University

Acting Chief Administrative Officer, Asia Sermkij Leasing Public Co., Ltd. Chief Information Officer, Asia Sermkij Leasing Public Co., Ltd. Chief Operating Officer, ICE Consulting Co., Ltd. Director Certification Program No. 48/2004, Thai Institute of Directors Association Changes of shares held as of 31st December 2006, compared with those of 2005 (Remain unchanged at 55,000 shares) Position Highest Education Experience 2006 - Present

Senior Assistant General Manager, Asia Sermkij Leasing Public Company Limited 2002 - 2006 Assistant General Manager, Asia Sermkij Leasing Public Company Limited Director program None Changes of shares held as of 31st December 2006, compared with those of 2005 Decreased 4,500 shares (Outstanding at 140,300 shares) Selection of the Board of Directors and Management The Company does not establish the selection committee to select director and management position. In the selection process, the Companyรปs Board of Directors will consider in conjunction with the Audit Committee. The person selected to be director or the management of the Company must not have a character prohibited by law. Selection of the director will be conducted based on material provisions stipulated in the Companyรปs articles of association. The approval of appointment and determination of remuneration for the Board of Directors and the management will be made by the shareholdersรป meeting and the Executive Board of Directors, respectively. Remuneration for Directors, Executive Directors and Management Cash Remuneration 1. Remuneration for Directors In Year 2006 remuneration for the Company and its subsidiaryรปs directors consisted of meeting allowance as approved by the shareholdersรป meeting as follows: - Chairman of Audit Committee/ Fixed Remuneration 30,000 Baht per month Independent Director - Audit Committee Member/ Fixed Remuneration 20,000 Baht per month Independent Director - Chairman of Board of Directors/ Fixed Remuneration 10,000 Baht per month Executive Director - Non-Executive Director Fixed Remuneration 10,000 Baht per month

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................................................................................................................................................

Name Dr. Amnuay Viravan

Position Chairman of the Board of Directors/ Chairman of the Executive Board of Directors Mr. Lo, Jun-Long Executive Director / Managing Director Mr. Tientavee Saraton Executive Director / Deputy Managing Director Mr. Tang, Lai-Wang (Resigned) Executive Director / Deputy Managing Director Mr. Shen, Ying-Hui (New) Executive Director Mr. Huang, Cheng-Ming Director Mr. Huang, Ming-Fu Director Mr. Chen, Fong-Long Director Mrs. Patima Chavalit Director Mr. Yang, Chia-Ming Director Mr. Pradit Sawattananond Chairman of the Audit Committee / Independent Director Mr. Anant Svattananon Member of the Audit Committee / Independent Director Asso. Prof. Dr. Supriya Kuandachakupt (New) Member of the Audit Committee / Independent Director Pol. Lt. Gen. Pichit Kuandachakupt (Resigned) Member of the Audit Committee / Independent Director Total 2.

Baht 120,000 120,000 120,000 20,000 100,000 120,000 120,000 120,000 120,000 120,000 360,000 240,000 160,000 80,000 1,920,000

Remuneration for Executive Directors and Management In Year 2006 remuneration for the Company and its subsidiary没s executive directors and management totaling 6 persons consisted of salary, bonus, provident fund, social security fund and other remuneration. Total cash remuneration stood at Baht 28.26 million, Baht 27.46 million of which being salary and bonus and Baht 0.80 million being provident fund, social security fund and other remuneration. Other Remuneration -NoneShareholding of Directors and Management Name

Ordinary Share* (Shares) As at Year As at Year Ended 2006 Ended 2005

Director Dr. Amnuay Viravan 925,600 Mr. Lo, Jun-Long 180,050 Mr. Tientavee Saratan 189,400 Mr. Shen, Ying-Hui Mr. Huang, Cheng -Ming 231,400 Mr. Huang, Ming-Fu 231,400 Management Mr. Srayuth Khaola-iead** 126,800 Mr. Danai Lapaviwat 89,080 Remark: * Including shares held by related persons. ** Appointed on 1st April 2006.

462,800 180,050 189,400 231,400 231,400 126,800 89,080

Name

Director Mr. Chen, Fong-Long Mr. Yang, Chia-Ming Mrs. Patima Chavalit Mr. Pradit Sawattananond Mr. Anant Svattananon Asso. Prof. Dr. Supriya Kuandachakupt* Management Mr. Sarayuth Chaisawadi Mr. Chonpichet Tantigittipinyo**

Ordinary Share* (Shares) As at Year As at Year Ended 2006 Ended 2005 231,400 213,900 60,000 50,000 60,000

231,400 251,400 60,000 50,000 60,000

55,000 140,300

55,000 144,800

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Principles of Good Corporate Governance Corporate Governance The Company establishes the operational policy concerning corporate governance system of the management in order to maximize the efficiency of the Companyûs management. The Companyûs Board of Directors sets out the Code of Best Practice for directors of a listed company to comply with the Stock Exchange of Thailand approach. Additionally, such Code of Best Practice is set to enhance the transparency and effectiveness of the management which will create confidence to the shareholders, investors and all concerned parties. The Companyûs principles of good corporate governance are summarized as follows: 1) Policy on corporate governance The Companyûs Board of Directors recognizes the importance of good corporate governance and hence sets out a policy to effectively operate and manage business which are equitable to all stakeholders and concerned parties in order to encourage the managementûs efficiency and business expansion under business transparency and ethics. This will help increase the competitiveness of the Company and will provide confidence together with long-term benefits toward the shareholders, investors and all concerned parties. Such principals and approach include determination of the rights and equality of shareholders and stakeholders, determination of structure, roles, duties, responsibilities and independence of the Board of Directors, regular disclosure of accurate information to public, risk control and management and support on the operation in accordance with business ethics.

96

2)

Shareholdersû right and equality The Company recognizes the importance of the right of shareholders and sets out a policy to treat every shareholder equally. As a result, the Company will timely, accurately and completely disclose material information and news to its shareholders on a regular basis. In an invitation to the shareholdersû meeting, the Company will deliver a meeting invitation letter together with support information relevant to meeting agenda to the shareholders 7 days prior to the meeting date. Invitation letter for the meeting is also announced in the newspaper with complete opinion of the Board of Directors on each meeting agenda in order that the shareholders have sufficient time to consider the information prior to attending the meeting. Minutes of the meeting are also accurately recorded for further review by the shareholders. The Company intends to provide additional option to the shareholders by authorizing the independent director of the Company as a proxy on behalf of the shareholders in case the shareholders cannot attend the meeting. In the Year 2006, the Company held 1 general shareholdersû meeting and 1 extraordinary shareholdersû meeting. Every shareholder is entitled to use his/her right to vote and express opinion or make inquiry before making decision.

3)

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

4)

Shareholdersû meeting In each shareholdersû meeting, the Company delivers the meeting invitation letter, indicating meeting agenda and support information of each agenda, to shareholders 7 days prior to the meeting. On the meeting date, the Chairman of the meeting will provide equal opportunity for the shareholders to freely review the Companyûs operation, raise their inquiries and express their opinion and suggestion. All of the Companyûs directors will attend the shareholdersû meeting to respond to the inquiries and provide opinion in the shareholdersû meeting. Any material inquiry and opinion will be recorded in the minutes of the meeting for further review by the shareholders.


................................................................................................................................................

5)

Leadership and vision The Companyรปs Executive Board of Directors has a duty to determine vision, mission, strategy, business plan, budget and objective of the operation of business, as well as to supervise the management to perform in accordance with the targeted plan in an effective and efficient manner. It also has a duty to establish the appropriate internal control, internal audit and risk management system, and to ensure that the financial report is provided on a regular basis under supervision of the Audit Committee in order for the Company to meet the determined target and to provide optimal benefits to all groups of stakeholders.

6)

Conflict of interest The Company proceeds to prevent any potential conflict of interest by restructuring the shareholding structure of the group company and setting up the Audit Committee to participate in a consideration of disclosure of information regarding related transactions as described in Part 2 item 11. In case where there is any transaction which might cause potential conflict of interest, the Board of Directors, especially non-interest directors, together with the Audit Committee will cautiously consider its appropriateness to maximize benefit to the Company on an equitable and reasonable basis. However, in approving the Companyรปs entering into related transaction, parties with interest or potential conflict of interest will not be entitled to participate in the approval of such transaction for the sake of fairness, transparency. In case where the related transaction is restricted by the restriction, announcement, order, provision, rule or regulation of the Stock Exchange of Thailand, the Company will perform in accordance with such provisions in a strictly manner.

7)

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

8)

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

9)

Amalgamation or segregation of positions The Company separates the position of Chairman of the Board of Directors and Managing Director into 2 positions to be held by different persons in order to segregate the duty of establishing governance policy from routine management. Duty and authority of the Board of Directors, Executive Board and the Audit Committee are clearly separated to ensure the transparency, sufficient balance of power and ability to review the operation of the Company. Resolution on any material agenda still requires the approval from the Board of Directors or the shareholdersรป meeting. In addition, authority assigned to the Board of Directors, Executive Board and the Managing Director must not allow the directors with interest in any transaction, whether by themselves or by their potential conflict of interest related parties, to approve such transaction made with the Company or Subsidiary.

97


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10)

Remuneration for directors and management The remuneration policy for directors, as approved by the shareholdersû meeting, is clearly established. The remuneration for directors is provided at an appropriate level and sufficient to attract and retain the capable and qualified directors. Such remuneration is set at the same level as industry standard suitable to the duty and responsibility assigned. The Company does not set out a policy to provide excessive amount of remuneration to its directors. Remuneration for the management is set according to the principles and policy determined by the Board of Directors by correlating the compensation with the Companyûs operating performance together with the performance of each individual management. The Company requires that the amount of remuneration made to directors and management be disclosed according to the regulations of the Office of Securities and Exchange Commission.

11)

Board of Directorsû meeting At least one Board of Directorsû meeting is held in each quarter with additional meeting to be called if required. The Company requires the directors to attend every Board of Directorsû meeting except in case of emergency. Meeting agenda must be clearly indicated prior to each Board of Directorsû meeting with the inclusion of agenda on operational monitoring on a regular basis. The Company delivers the meeting invitation letter together with meeting agenda and support documents for the meeting to each director in advance of the meeting date to allow sufficient timing for the Board of Directors to study on the information prior to attending the meeting. In each Board of Directorsû meeting the Chairman of the Board of Directors is obliged to allocate adequate timing in order to enable the management to propose and provide thorough explanation on the material issues. Minutes of the meeting are accurately and completely recorded in writing. Minutes of the meeting, certified by the Board of Directors, will be retained for further examination by the Board of Directors and other related parties. Each director has dedicated his/her time to attend all of the Board of Directorsû meetings, except in case of necessity. In the Year 2006, All meetings were attended by each of the Companyûs directors as follows: No. of Meetings Attended /No. of Total Meeting Board of Audit Directors Committee Dr. Amnuay Viravan 8/8 Mr. Lo, Jun-Long 7/8 Mr. Tientavee Saraton 8/8 Mr. Shen, Ying-Hui 6/6 Mr. Huang, Cheng-Ming 7/8 Mr. Huang, Ming-Fu 0/8 Name

Mr. Tang, Lai-Wang (regisned) *

2/2

-

Name

Mr. Chen, Fong-Long Mr. Yang, Chia Ming Mrs. Patima Chavalit Mr. Pradit Sawattananond Mr. Anant Svattananon Asso. Prof. Dr. Supriya Kuandachakupt * Pol. Lt. Gen Pichit Kuandachakupt (resigned) *

No. of Meetings Attended /No. of Total Meeting Board of Audit Directors Committee 2/8 5/8 5/8 8/8 5/5 3/8 5/5 5/5 3/3 3/3

2/2

Remark: * According to the resolution from the Companyûs meeting of the Board of Directors No.4 th /2006 held on 10th May 2006, it acknowledged the resignation of Pol. Lt. Gen. Pichit Kuandachakupt from Director and appointed Asso. Prof. Dr. Supriya Kuandachakupt to be Director

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The company sets out a policy for director selection by seeking a well-versed person with expertise in the Companyûs business. However, as some directors of the Company hold Taiwanese nationality and have positions in the companies in Taiwan, it is not convenient for them to attend the Companyûs meeting of the Board of Directors. As such, the Company has the policy to encourage the attendance of the meeting by all directors by arranging the video conference to facilitate the Board of Directorsû meeting by all directors accordingly, thereby enabling interaction among the directors despite being in difference places in order that every member of the Board of Directors can participate in the meeting. 12)

Sub Committee The Audit Committee consisted of 3 independent directors with a 2-year tenure and has a duty to supervise the operation of the Company. Details of the authority and duty of the Audit Committee are provided in Management Structure. At least 1 meeting of the Audit Committee is to be held in each quarter with additional meeting to be called if required. Independent directors in the Audit Committee will use their own discretion in reviewing the financial report, internal control and internal audit system and operation of the Company, considering and appointing the Companyûs auditor, as well as disclosing information on related transaction or transaction with potential conflict of interest. Such Audit Committee will enhance the effectiveness of the Companyûs control and governance pursuant to the Stock Exchange of Thailand approach. In addition, the Executive Board of Directors comprising 6 directors with a 2-year tenure. Details of the authority and duty of the Executive Board of Directors are provided in Management Structure. It is a policy of the Executive Board of Directors to regularly arrange a meeting at least once a month with additional meeting to be called if required. Currently the sub committee to determine the remuneration has not been established. However, preliminary process to consider appropriate remuneration is put in place based on the remuneration information of other companies in the same industry. The remuneration is also based on the principle of fairness and possibility to retain qualified management with the Company in order to motivate the management to conduct their duty with good quality and standard appropriate to the assigned duty and responsibility. The remuneration of the Companyûs director will be proposed to the shareholdersû meeting for final approval.

13)

Internal control and audit system The Company recognizes the importance of internal control system, both at management and operational level, to enhance the efficiency of the operation. The obligation, duty and authority of the management and officer are identified clearly in writing. Control of the use of the Companyûs assets is arranged while the function of officer and the supervisor who evaluates the performance result is separated in order to balance the power and appropriately cross-examine each other. In addition, the Company establishes an internal audit department to review major operation and financial activities of the Company to ensure its compliance with the policy specified together with the law and regulations related to the Company in an efficient manner. Internal audit department will report the result of its review directly to the Audit Committee. As such, the internal audit department can independently conduct their review and balance the power at the most extent possible. Risk management system has been established by requiring the management to meet every week while each department is required to have at least 1 meeting every month to analyze, determine corrective and preventive 99


................................................................................................................................................

measure, monitor and assess the risk factors, which could affect the management of the Company. It is the Companyûs policy to have the responsible department to immediately report to the management and the Board of Directors should the problem or potential risk arise. 14)

Report from the Board of Directors The Board of Directors is responsible for major business operation, corporate governance, consolidated financial statements of the Company and Subsidiary and financial information as provided in the annual report. Such financial statements are prepared in conformity with the generally accepted accounting principles in Thailand. Appropriate accounting policy is used and adopted on a regular basis. Cautious judgement and most appropriate estimates are utilized in the preparation of financial information. Material information is also adequately disclosed in the notes to financial statements. The Board of Directors retains efficient and effective internal control system to ensure that the accounting information is accurately, completely and timely recorded in order that weak point can be detected and the fraud or irregular transactions can be prevented. In this regard, the Board of Directors establishes the Audit Committee, comprising non-executive and independent directors, to review the accounting policy, quality of financial reports and internal control system in which the Audit Committee has provided their opinion that the Company has sufficient and appropriate internal control system.

15)

Relationship with investors The Board of Directors recognizes the importance of accurate, complete, transparent and prompt disclosure of important information of the Company, both financial and non-financial, in order for the investors and all groups of stakeholders to make sound decision. The Company establishes Investor Relations division who is responsible for the disclosure of information to public and the shareholders directly. The Companyûs information has been disclosed through the media of the Stock Exchange of Thailand, and also the Companyûs website www.ask.co.th.

Supervision on the Use of Internal Information The Company sets out the policy on a supervision on the use of internal information and complies with the policy in a strictly manner. Details of the policy can be summarized as follows: 1. The information is provided only to relevant parties while at the same time emphasis is made to the officers to retain the information cautiously. If the information is required for disclosure, report or disclosure of such internal information can be made only by the assigned person. 2. Notification must be made to all directors and management of the Company pertaining to their duty and responsibility on the internal information by not using internal information for their personal interest, including securities trading. 3. Every director and management of the Company is made aware of their duty and responsibility in providing a report on holding of the Companyûs securities by themselves, by their spouses, minority and by other parties related to directors and/or management, pursuant to Section 258 of the Securities and Exchange Act B.E. 1992, within 3 days from the date of a change in holding of the Companyûs securities. Such requirement is in compliance with Section 59 of the Securities and Exchange Act B.E. 1992. 4. Directors, management and employees in the division receiving internal information are recommended to avoid or suspend their trading of the Companyûs securities for a period of 1 month prior to the disclosure of financial statements to public. 100


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Disciplinary penalty is determined should the policy be violated. Punishment will be determined based on the intention of the action and the severity of such wrongdoing. Dividend Payment Policy The Company and its subsidiary are, according to the Company and its subsidiary没s circumstances from time to time, to declare dividend in an appropriate rate, considering their performance, financial standing, and economic conditions. The payment rate shall not be less than 40 percent but not more than 70 percent, for the Company, and not less than 50 percent, for the Subsidiary, of the payable amount arising after the Company and its subsidiary have, for each fiscal year, incurred net profit from operation, and duly complied with applicable laws, Articles of Association as well as fulfilled all of their obligations, except for the Company and its subsidiary require to utilize any part or all of such payables on investment to generate higher income. This payment, in any event, shall be subject to the Company and its subsidiary没s Articles of Association, prohibiting them from paying any dividend from other monies than profit. Additionally, where the Company and its subsidiary incur accumulated losses, no dividend shall be paid. Unless otherwise stipulated, dividend shall be paid according to the number of shares held (equally for each share), under the approval from a meeting of shareholders. However, the Company and its subsidiary might, from time to time, pay interim dividend to the shareholders as their profits are deemed adequate for such purpose, and, if so, report the same to the shareholders in their next meeting. However, the Board of Directors might decide otherwise, or amend the said Policy from time to time, provided that such decision is made for the shareholders没 best interest Future Plan The Company and its subsidiary plan to gradually expand their financial services to individuals and small and medium size enterprises by expanding the all types of financing, i.e. hire purchase, leasing, factoring and floor plan. The Company and its subsidiary also plan to increase the proportion of income generated from other support services related to their core business. Accordingly, branch marketing unit expansion is one of the approaches to expand financing volume. In addition, the Company plans to continually develop its Management Information System (MIS). Information system project called Decision Support System (MIS-Phase II) is planned to be developed further from the Transaction Processing System (MIS-Phase I) currently being under development and expected to complete in Year 2007 to enhance the management efficiency of the middle-level management as it will assist them in making accurate and prompt decision and enhance the competitiveness.

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C

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ONNECTED TRANSACTIONS

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

Details of Connected Transaction According to the resolution from the Board of Directors meeting No. 2nd/2007 on 28th February 2007, also attended by the Audit Committee or the independent directors to review the connected transaction for the period ended 31st December 2005 and 31st December 2006, the Board of Directors provided opinion concerning connected transactions that such connected transaction were necessary for the ordinary course of business whereas terms of such connected transactions with connected persons during such period were according to the market rate, contractual and agreed price which were reasonable and in the ordinary course of business. Details of the transaction can be summarized as follows:

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Parties with Potential Conflict/ Nature of Transaction

1. Bangkok Bank Public Company Limited / - Hold 7.35 percent of the Companyûs shares (previously a shareholder of the Subsidiary but becomes the Companyûs shareholder after the restructuring of shareholding ructure in May 2004).

2. Bangkok Insurance Public Company Limited / - Hold 0.96 percent of the Companyûs shares (previously the shareholder of the Subsidiary but becomes the Companyûs shareholder after the restructuring of shareholding structure in May 2004).

Type of Transaction

Value of Connected Transaction Reason and Necessity of the for the Period Ended (ù000 Baht) Connected Transaction / Remark 31st December 31st December 2006 2005 Savings and current deposit at bank, - Audit Committee and/or independent bank overdraft, short and long-term director have reviewed and considered loan, aval fee of the Company and this item and provided opinion that its subsidiary for working capital interest rate charged is similar to the and business expansion market rate and deemed reasonable 1. Savings and current deposit 48,382.73 18,648.08 in the ordinary course of business. 2. Bank overdraft 89,439.44 57,800.90 3. Short-term loan 1,525,000.00 2,990,000.00 4. Long-term loan 1,000,000.00 1,000,000.00 5. Accrued interest expense 4,657.80 4,218.86 6. Interest expense 178,611.44 106,825.59 7. Aval fee 904.93 586.04 8. Pre-paid aval fee 246.57 246.57 Short-term loan of the Subsidiary for - Audit Committee and/or independent working capital with the interest director have reviewed and considered charged according to the market this item and provided opinion that rate interest rate charged is similar to the market rate and deemed reasonable in the ordinary course of business.

1. Short-term loan 2. Interest expense 3. Mr. Jatupat Kuptavanichkul or Short and long-term loan, accrued Mr. Jeffrey L.S. Koo (Other interest expense and interest related person) / expense of the Subsidiary with the - The founder of Koo Group. interest charged according to the market rate 1. Short-term loan 2. Long-term loan 3. Accrued interest expense 4. Interest expense

60,000.00 2,446.36

60,000.00 907.40

70,000.00 244.94 2,884.00

- Audit Committee and/or independent director have reviewed and considered this item and provided opinion that interest rate charged is similar to the market rate and deemed reasonable - in the ordinary course of business. 70,000.00 244.94 2,884.00

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Parties with Potential Conflict/ Nature of Transaction

4. China Trust Commercial Bank / - A related company of the Company没s major shareholders (Chailease Finance Co., Ltd. and AK Enterprise (Thailand) Co., Limited). - Mr. Koo, John-Lian, a director of China Trust Commercial Bank, is an elder brother of Mr. Koo, John-Lee, a director of the Company (resigned in March 2005).

Type of Transaction

Value of Connected Transaction Reason and Necessity of the for the Period Ended (霉000 Baht) Connected Transaction / Remark 31st December 31st December 2006 2005 Short-term loan of the Company and - Audit Committee and/ or independent its subsidiary for working capital director have reviewed and considered with the interest charged according this item and provided opinion that to the market rate for the credit line interest rate charged is similar to the totaling USD 40 million with the market rate and the fee is deemed option to either borrow directly or to reasonable in the ordinary course of withdraw in form of Standby Letter business. of Credit to be used as collateral for borrowing from other financial institutions

1. Short-term loan 2. Accrued interest expense 3. Interest expense 4. Standby L/C fee 5. Pre-paid standby L/C fee 5. Asset Plus Institution Dividend The Company issued bill of exchange Fund, Asset Plus Money of no greater than 3-month maturity Management Fund 1 & 2 and for short-term borrowing to support Anantasub Flexible Fund working capital. The interest rate - Managed by Asset Plus Fund was charged according to the Management Company market rate. Limited, the subsidiary of Asia Plus Securities Plc. which is the shareholder and the related company of the Company没s major shareholder. 1. Short-term loan - 190,000.00 2. Pre-paid interest expense - 1,227.43 3. Interest expense 1,227.43

104

5,046.14 8,789.21 1,108.67

17,472.45 948.61 - Audit Committee and/or independent director have reviewed and considered this item and provided opinion that interest rate charged is similar to the market rate and deemed reasonable in the ordinary course of business.

3,390.89


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Parties with Potential Conflict/ Nature of Transaction

6. Mr. Udomsak Chakreyavanich / - Authorized director and management of Asia Plus Securities Plc., the shareholder and the related company of the Companyûs major shareholder.

7. My Funding Corporation / - Have the same major shareholder and directors, i.e. major related shareholder is Chailease Finance Co., Ltd., holding 100 percent shares in My Funding Corporation and related directors are Mr. Koo, John-Lee (resigned in March 2005) and Mr. Huang, Cheng-Ming.

Type of Transaction

Value of Connected Transaction Reason and Necessity of the for the Period Ended (ù000 Baht) Connected Transaction / Remark 31st December 31st December 2006 2005 The Company issued promissory - Audit Committee and/or independent note of no greater than 3-month director have reviewed and considered maturity for short-term borrowing to this item and provided opinion that support working capital. The interest interest rate charged is similar to the rate was charged according to the market rate and deemed reasonable market rate. in the ordinary course of business. 1. Short-term loan 45,000.00 2. Accrued interest expense 5.68 3. Interest expense 1,121.03 1,035.47 Prepaid asset and obligation of the - Audit Committee and/or independent Company and its subsidiary incurred director have reviewed and considered from computer software development this item. Value of such contract is contract valued US$ 615,385 million consistent with the agreement made (approximate Baht 25.31 million) a and deemed reasonable in the the Companyûs portion of US$ ordinary course of business. 492,308 (approximate Baht 20.25 million) and its subsidiaryûs portion of US$ 123,077 (approximate Baht 5.06 million)

1. Prepaid asset 2. Obligation 8. Chailease Finance Co., Ltd. / Advisory fee from internal audit, fund - Major shareholder of the raising and management services to Company with 37.43 percent the Company and its subsidiary, shareholding (previously the including guarantee fee for loans the major shareholder of the Company borrowed from other Subsidiary but after the financial institutions. restructuring of shareholding structure in May 2004, Chailease Finance Co., Ltd. becomes the Companyûs shareholder). 1. Advisory and management fee 2. Guarantee fee 3. Accrued guarantee fee

17,712.30 6,688.77

17,712.30 7,601.47 - Audit Committee and/or independent director have reviewed and considered this item and provided opinion that the values are market price and comparable with asset size and servicesû reference. Value of such contract is consistent with the agreement made and deemed reasonable in the ordinary course of business.

5,285.38 5,285.38

3,529.41 765.59 765.59

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Parties with Potential Conflict/ Nature of Transaction

Type of Transaction

Value of Connected Transaction Reason and Necessity of the for the Period Ended (霉000 Baht) Connected Transaction / Remark 31st December 31st December 2006 2005 9. Sathorn City Tower Property Rental expense for office space and - Audit Committee and/or independent Fund/ fixture and service of the Company director have reviewed and considered - 32.60 percent of its shares and its subsidiary this item and provided opinion that its value is consistent with the agreement are held by City Realty Company Limited and made and deemed reasonable in the companies related to City ordinary course of business. Realty Company Limited. City Realty Company Limited relates to the major shareholder of the Company, i.e. the Bangkok Bank Plc. 1. Rental expense for office space and fixture and service 12,436.06 9,411.93 10. Bangkok Garden Property Fund/ Space rental expense for the parking - Audit Committee and/or independent - 33.10 percent of its shares space of the Company and its director have reviewed and considered are held by City Realty subsidiary没s repossessed assets with this item and provided opinion that its Company Limited and a a 1-year term from 1 November value is consistent with the agreement company related to City Realty 31 October. made and deemed reasonable in the Company Limited. City Realty ordinary course of business. Company Limited relates to the major shareholder of the Company, i.e. the Bangkok Bank PCL. 1. Rental expense 560.00 360.00 11. Chailease Credit Service Service fee income and Accrued - Audit Committee and/or independent Co., Ltd. / service fee income from import director have reviewed and considered - Have the same major factoring service of the Subsidiary this item and provided opinion that its shareholder, i.e. Chailease value is consistent with the market Finance Co., Ltd. Chailease rate and deemed reasonable in the Finance Co., Ltd. holds 100 ordinary course of business. percent shares of Chailease Credit Service Co., Ltd. 1. Service fee income 18.06 691.86 2. Accrued service fee income 15.48 41.05 Source: Consolidated financial statements of Asia Sermkij Leasing Public Company Limited as audited by the auditor for the Year 2005 - 2006.

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ANAGEMENT DISCUSSION AND ANALYSIS

Overview of the Historical Operating Performance During the year 2006, Thai economy slightly improved from the year 2005. GDP increased from 4.5% in 2005 to 5.0% in 2006 as a result of high export growth of 17.4% and a slowdown in imports with a growth of only 7%. Overall economic stability was at a satisfactory level. There were considerable increases in the current account surplus and international reserves. Although headline inflation and core inflation averaged at higher levels at 4.7% and 2.3% respectively as compared to last year没s, there were clear signs of subsiding price pressure in the second half of the year. However, private investment was slowdown due to an adverse impacts of high oil price and the slowdown in domestic demand. The money market interest rates moved upward during the first half of Y2006, but were stabilized in the second half of the year. The 1-day repurchase rate averaged at 4.64%, higher than the previous year没s average of 2.63%. The new vehicle sales remained at high level of 682,500 units in 2006, slightly decreased by 3.0% from 703,432 units in 2005. The average industrial capacity utilization has increased from 72.0% in 2005 to 74.2% in 2006 to signal a need of capacity expansion in many businesses especially electronics, food and beverage categories. Private consumption index slightly grew by 1.3%, increasing from 0.6% in the previous year as consumers were more cautious to spend as a result of sustained high inflation and interest rates. The private investment index grew by 1.3%, decelerating from 8.5% in the previous year. For the overview performance, the Company and its subsidiary, on a consolidated basis, recorded the net profit of Baht 118.57 million, decreased by approximately 19.04% from Baht 146.46 million in Year 2005 mainly due to a sharp increase in interest rate. The return of equity (ROE) was 9.59% in Year 2006 as compared to 19.31% in Year 2005. Earning per share was Baht 0.82, decreased from 1.46 Baht per share in Year 2005. This was partly due to an increase in the paid-up capital from Baht 575 million to Baht 1,150 million. Operating Performance Revenues In Year 2006, the Company and its subsidiary没s total revenues amounted to Baht 896.80 million, increased by 20.93 percent from Baht 741.56 million in Year 2005. The major sources of revenues were income from hire purchase, accounting for 73.08 percent. Such increase was attributable to the expansion in new hire purchase financing, especially commercial car, machinery and equipment. Hire purchase account receivables (before allowance for doubtful accounts) rose by 21.88 percent from Baht 6,698.40 million in Year 2005 to Baht 8,163.95 million in Year 2006. Incomes from financial lease and operating lease decreased by 15.52 percent from Baht 69.70 million in Year 2005 to Baht 58.88 million in Year 2006, accounting for 6.56 percent of total revenues of the Company and its subsidiary. Income from factoring increased by 28.33 percent from Baht 28.45 million in Year 2005 to Baht 36.51 million in Year 2006, accounting for 4.07 percent of total revenues of the Company and its subsidiary. Such increase reflect an increase in demand for working capital of small and medium sized business enterprises. Other incomes which were from personal loan, floor plan financing, penalty income from late payment, insurance service fee, etc. increased by 9.99 percent from Baht 132.79 million in Year 2005 to Baht 146.06 million in Year 2006. Major factor attributable to such increase was the growth of income from insurance service fee by 9.91 percent from Baht 50.06 million in Year 2005 to Baht 55.02 million in Year 2006. Expenses The Company and its subsidiary没s expenses (including bad debts and doubtful accounts, interest and tax expenses) increased by 30.78 percent from Baht 595.09 million in Year 2005 to Baht 778.26 million in Year 2006. 107


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Selling and Administrative Expenses In Year 2006, total selling and administrative expenses stood at Baht 303.86 million, accounting for 39.04 percent of the Company and its subsidiary没s total expenses, increased by 4.14 percent from Baht 291.78 million in Year 2005. Majority of the selling and administrative expenses comprised of employee salary, bonus and related expense accounting for 22.03 percent of total expenses while bad debts and doubtful accounts amounted to Baht 45.33 million, representing 5.82 percent of total expenses. Interest Expenses In Year 2006 interest expenses rose by 86.46 percent from Baht 209.81 million in Year 2005 to Baht 391.22 million in Year 2006, representing 50.27 percent of total expenses of the Company and its subsidiary. This was mainly due to a business expansion and the rise in interest rate. In order to have the lowest cost of funds with acceptable risk, the loan structure has to be considered cautiously. Corporate Income Tax The corporate income tax decreased by 10.63 percent from Baht 40.72 million in Year 2005 to Baht 36.39 million in Year 2006. This was mainly due to a decrease in profit before tax, and tax rate from 30% to 25% as a result of being a listed company on the Stock Exchange of Thailand for 5 years from y2006-y2010 Net Profit The Company and its subsidiary没s net income after tax decreased by 19.04 percent from Baht 146.46 million in Year 2005 to Baht 118.57 million in Year 2006. Earning per share decreased from Baht 1.46 per share in Year 2005 to Baht 0.82 per share in Year 2006, mainly due to the sale of the increased ordinary shares in the amount of 115,000,000 shares (Right Issue) to the existing shareholders in the portion of 1 existing ordinary share: 1 new ordinary share during September 2006. In Year 2006 net profit margin and return on equity were 13.22 percent and 9.59 percent as compared to those of 19.75 percent and 19.31 percent respectively in Year 2005. Financial Status Assets Total assets increased by 19.57 percent from Baht 7,898.33 million at the end of Year 2005 to Baht 9,443.84 million at the end of Year 2006. The hire purchase account receivable, major component of the Company and its subsidiary assets, accounts for 85.51 percent of total assets. Due to the Company and its subsidiary没s strengthened collection efficiency, the augmented base of portfolio size, and bad-debt write-off, NPLs was Baht 50.55 million at the end of Year 2006, accounting for only 0.54 percent of total account receivables (before allowance for doubtful accounts). In addition, the ratio of allowance for doubtful account to NPLs of 242.82 percent reflecting adequacy of the Company and its subsidiary没s reserve for doubtful accounts. Liabilities Total liabilities as at the end of Year 2006 stood at Baht 7,867.36 million with the total loans amounting to Baht 7,704.86 Million. It comprised mainly of short-term loans at Baht 5,904.86 million, of which being overdraft and short-term borrowing from domestic financial institutions representing 76.64 percent of total loans. Nevertheless, the high portion of short-term loans will not lead to the financial liquidity problem since these borrowings are from its major shareholders. Therefore, the 108


................................................................................................................................................

Company and its subsidiary can manage the funding cost efficiently by softening an up-trend interest rate in order to match a gradual increase in interest income. Type of Borrowing Bank overdraft and short-term loan from financial institution - Loan from related financial institution - Loan from other financial institutions Short-term loan from related parties Current portion of long-term loan from related companies Other short-term loan Total short-term loan Long-term loan from related companies Long-term loan from other financial institutions Total Long-term loan Total loans

As at 31st December 2006 Amount (Million Baht) Proportion (%) 5,667.56 73.56 1,614.44 20.95 4,053.12 52.61 60.00 0.78 70.00 0.91 107.30 1.39 5,904.86 76.64 1,000.00 12.98 800.00 10.38 1,800.00 23.36 7,704.86 100.00

Liquidity As at 31st December 2006 the loan repayment and the installment to be obtained in different period can be summarized as follows: Period Loan Repayment Due Installment to be Obtained (Million Baht) from Debtor (Million Baht) Within 1 year 5,904.86 4,703.49 More than 1 year but not more than 2 years 1,000.00 3,026.39 More than 2 years but not more than 3 years 800.00 1,733.27 More than 3 years 966.32 Stop accrued account receivables 53.39 Total 7,704.86 10,482.86 Difference gap between the installment expected to be obtained within 1 year and loan repayment due in 1 year amounted to Baht 1,201.37 million. The Company and its subsidiary没s financing liquidity was not affected since most of the short-term loans were borrowed from the Company没s group of financial institution shareholders and related parties. The Company and its subsidiary没s loan from related financial institutions and related parties accounted 1,744.44 million which was higher than the said difference gap. In addition, the Company and its subsidiary have been considered good credit customer who has never been called for default even during the economic crisis. The loans have been continuously renewed. In addition, Company and its subsidiary still have the unused credit line from other financial institutions amounting to approximately Baht 3,262 million stand ready. These factors reflect the sufficiency in the financial liquidity of the Company and its subsidiary. Nevertheless, the Company and its subsidiary continuous improve its funding by gradually switching the shortterm borrowing into a long-term loans and diversifying the source of fund from the bank没s loan through the capital market.

109


Shareholdersû Equity Shareholdersû equity increased by 76.11 percent from Baht 895.16 million at the end of Year 2005 to Baht 1,576.48 million at the end of Year 2006 with paid-up capital of Baht 1,150 million and retained earnings of Baht 281.11 million. This expanded equity was mainly due to the net profit of the company and its subsidiary and an increase in paid up capital from Baht 575 million to Baht 1,150 million by offering the newly increased ordinary shares in the amount of 115 million shares to existing shareholders in proportion of 1 existing ordinary share for 1 new ordinary share during September 2006. FINANCIAL STATEMENTS Auditorûs Fee In Year 2006, the Company and its subsidiaryûs remuneration to the auditors can be summarized below: 1. Auditing fee to: The Companyûs auditor in the previous financial period totaling Baht 0. The office employing such auditor, person or business related to such auditor and its office in the previous financial period for auditing service totaling Baht 1,610,000 and no for other expense related to auditing service. 2.

110

Fee from other services The Company and its subsidiaryûs fee from other services were derived from such expenses as advisory fee, document delivery and traveling expense, etc., to the following parties: The Companyûs auditor in the previous financial period totaling 0 Baht. The office employing such auditor, person or business related to such auditor and its office in the previous financial period totaling 0 Baht.




ASIA SERMKIJ LEASING PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY REPORT AND CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2006 AND 2005

111


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................................................................................................................................................

EPORT OF INDEPENDENT AUDITOR

To the Board of Directors and Shareholders of Asia Sermkij Leasing Public Company Limited I have audited the accompanying consolidated balance sheets of Asia Sermkij Leasing Public Company Limited and its subsidiary as at 31 December 2006 and 2005, the related consolidated statements of income, changes in shareholders没 equity and cash flows for the years then ended, and the separate financial statements of Asia Sermkij Leasing Public Company Limited. These financial statements are the responsibility of the management of the Company and its subsidiary as to their correctness and the completeness of the presentation. My responsibility is to express an opinion on these financial statements based on my audits. I conducted my audits in accordance with generally accepted auditing standards. Those standards require that I plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. I believe that my audits provide a reasonable basis for my opinion. In my opinion, the financial statements referred to above present fairly, in all material respects, the financial position of Asia Sermkij Leasing Public Company Limited and its subsidiary and of Asia Sermkij Leasing Public Company Limited as at 31 December 2006 and 2005, the results of their operations, and cash flows for the years then ended, in accordance with generally accepted accounting principles.

Vissuta Jariyathanakorn Certified Public Accountant (Thailand) No. 3853 Ernst & Young Office Limited Bangkok: 28 February 2007

112


B

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ALANCE SHEETS

ASIA SERMKIJ LEASING PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY AS AT 31 DECEMBER 2006 AND 2005

Note Assets Current assets Cash and cash equivalents Current investment Current portion of hire purchase receivables - net Current portion of financial lease receivables - net Current portion of factoring receivables - net Current portion of loan receivables - net Assets foreclosed - net Other current assets Total current assets Non-current assets Hire purchase receivables - net of current portion Financial lease receivables - net of current portion Factoring receivables - net of current portion Loan receivables - net of current portion Investment accounted for under equity method Other long-term investment - net Land, building and equipment - net Deferred commission expenses Other non-current assets - net Total non-current assets Total assets

18, 20

CONSOLIDATED 2006 2005 (Restated)

(Unit: Baht) THE COMPANY ONLY 2006 2005 (Restated)

54,017,370 2,164,500

24,078,707 2,164,500

23,702,230 1,725,750

8,070,571 1,725,750

6

3,238,486,839 2,601,002,917 2,740,245,391 2,315,527,034

7 8 9 10

299,656,570 313,522,992 447,450,152 381,660,478 48,658,361 6,695,941 39,207,118 6,695,941 31,761,072 9,552,511 25,838,995 9,124,320 80,638,410 101,487,540 65,938,722 51,990,224 4,202,833,274 3,439,350,359 2,897,473,433 2,393,133,840

6 7 8 9 11 12 13

4,837,129,809 4,038,096,415 4,379,150,503 3,745,832,709 268,118,282 306,940,276 16,734,755 24,430,560 10,448,757 - 510,704,844 508,842,980 336,640 350,720 57,982,042 61,121,238 43,444,782 46,135,184 34,055,597 22,590,254 34,055,597 22,590,254 16,201,138 5,446,121 3,526,248 2,012,660 5,241,007,020 4,458,975,584 4,970,881,974 4,325,413,787 9,443,840,294 7,898,325,943 7,868,355,407 6,718,547,627

14

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

113


B

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ALANCE SHEETS (Continued)

ASIA SERMKIJ LEASING PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY AS AT 31 DECEMBER 2006 AND 2005

CONSOLIDATED 2006 2005 (Restated)

Note Liabilities and shareholders没 equity Current liabilities Bank overdrafts and short-term loans from financial institutions Short-term loans from related parties Current portion of long-term loans from related parties Amounts due to related parties Other short-term loans Other current liabilities Total current liabilities Non-current liabilities Long-term loans from related parites - net of current portion Long-term loan from a financial institution Rental deposits Total non-current liabilities Total liabilities

15, 18 18

5,667,558,826 4,252,800,898 4,274,352,341 3,408,837,008 60,000,000 295,000,000 - 235,000,000

18 18 16

70,000,000 1,050,000,000 - 900,000,000 10,188,127 5,235,084 6,445,161 3,778,836 107,300,000 163,000,000 107,300,000 163,000,000 146,109,776 154,734,499 103,775,274 112,778,190 6,061,156,729 5,920,770,481 4,491,872,776 4,823,394,034

18 17

1,000,000,000 1,070,000,000 1,000,000,000 1,000,000,000 800,000,000 - 800,000,000 6,200,934 12,401,869 1,806,200,934 1,082,401,869 1,800,000,000 1,000,000,000 7,867,357,663 7,003,172,350 6,291,872,776 5,823,394,034

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

114

(Unit: Baht) THE COMPANY ONLY 2006 2005 (Restated)


B

................................................................................................................................................

ALANCE SHEETS (Continued)

ASIA SERMKIJ LEASING PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY AS AT 31 DECEMBER 2006 AND 2005

CONSOLIDATED 2006 2005 (Restated)

Note Shareholders没 equity Share capital 19 Registered 230,000,000 ordinary shares of Baht 5 each (2005: 115,000,000 ordinary shares of Baht 5 each) Issued and fully paid-up 230,000,000 ordinary shares of Baht 5 each (2005: 115,000,000 ordinary shares of Baht 5 each) Share premium Difference from shareholder restructuring Retained earnings Appropriated - statutory reserve 21 Unappropriated Total shareholders没 equity Total liabilities and shareholders没 equity

(Unit: Baht) THE COMPANY ONLY 2006 2005 (Restated)

1,150,000,000

575,000,000 1,150,000,000

575,000,000

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

575,000,000 1,150,000,000 84,428,259 141,185,450 4,188,003 4,188,003

575,000,000 84,428,259 4,188,003

19,743,270 13,814,677 19,743,270 13,814,677 261,365,908 217,722,654 261,365,908 217,722,654 1,576,482,631 895,153,593 1,576,482,631 895,153,593 9,443,840,294 7,898,325,943 7,868,355,407 6,718,547,627

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

115


I

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NCOME STATEMENTS

ASIA SERMKIJ LEASING PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY FOR THE YEARS ENDED 31 DECEMBER 2006 AND 2005

CONSOLIDATED 2006 2005 (Restated)

Note Revenues Hire purchase interest income Factoring income Interest income on financial leases Operating lease income Interest income from loans Penalty income Income from recommending insurance services to customers Other income Share of profit from investment accounted for under equity method Total revenues Expenses Operating lease cost Selling and administrative expenses Bad debts and allowance for doubtful accounts Total expenses Profit before interest expenses and corporate income tax Interest expenses Corporate income tax Net profit for the year Basic earnings per share Net profit Weighted average number of ordinary shares (shares)

18

655,350,866 36,511,263 58,008,642 870,265 1,754,419 25,942,936

510,615,817 28,452,126 67,164,523 2,535,257 860,065 23,433,745

572,156,301 1,649,581 23,370,398

469,238,790 860,065 19,870,162

55,021,193 63,337,486

50,056,842 58,437,479

51,880,253 45,306,119

47,945,089 34,726,154

896,797,070

741,555,854

56,235,847 750,598,499

57,741,370 630,381,630

1,425,974 303,855,557 45,331,820 350,613,351 546,183,719 -391,217,515 -36,394,357 118,571,847

3,297,068 291,777,782 49,486,723 344,561,573 396,994,281 -209,808,757 -40,723,492 146,462,032

246,705,671 39,693,465 286,399,136 464,199,363 -322,240,826 -23,386,690 118,571,847

237,851,624 33,755,965 271,607,589 358,774,041 -176,859,512 -35,452,497 146,462,032

0.82 144,931,507

1.46 100,506,849

0.82 144,931,507

1.46 100,506,849

23

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

116

(Unit: Baht) THE COMPANY ONLY 2006 2005 (Restated)


S

................................................................................................................................................

TATEMENTS OF CHANGES IN SHAREHOLDERS没 EQUITY

ASIA SERMKIJ LEASING PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY FOR THE YEARS ENDED 31 DECEMBER 2006 AND 2005

(Unit: Baht) Issued and paid-up Note share capital Beginning balance of year 2005 - previously reported Cumulative effect of the change in accounting policy regarding recognition of commission expenses Beginning balance of year 2005 - restated Net profit for the year 2005 Increase in share capital Expenses for additional ordinary share issuance Statutory reserve Dividend paid Ending balance of year 2005 Net profit for the year 2006 Increase in share capital Expenses for additional ordinary share issuance Statutory reserve Dividend paid Ending balance of year 2006

460,000,000

4.2

19.1 19.1 21 26

19.2 19.2 21 26

CONSOLIDATE/THE COMPANY ONLY Difference Retained earnings Share from shareholder Appropriated premium restructuring statutory reserve Unappropriated (Restated) 3,200,000

4,188,003

460,000,000 3,200,000 115,000,000 89,700,000 - -8,471,741 575,000,000 84,428,259 575,000,000 57,500,000 -742,809 1,150,000,000 141,185,450

4,188,003 4,188,003 4,188,003

Total

6,882,736 132,425,517 606,696,256

6,882,736 6,931,941 13,814,677 5,928,593 19,743,270

14,767,046 147,192,563 146,462,032 -6,931,941 -69,000,000 217,722,654 118,571,847 -5,928,593 -69,000,000 261,365,908

14,767,046 621,463,302 146,462,032 204,700,000 -8,471,741 -69,000,000 895,153,593 118,571,847 632,500,000 -742,809 -69,000,000 1,576,482,631

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

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ASH FLOW STATEMENTS

ASIA SERMKIJ LEASING PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY FOR THE YEARS ENDED 31 DECEMBER 2006 AND 2005

(Unit: Baht) THE COMPANY ONLY 2006 2005 (Restated)

CONSOLIDATED 2006 2005 (Restated) Cash flows from operating activities Net profit Adjustments to reconcile net profit to net cash provided by (paid from) operating activities: Bad debts and allowance for doubtful accounts Allowance for diminution in value of assets foreclosed Allowance for diminution in value of other long-term investments Depreciation Amortization of commission expenses Gain from revaluation of investments (Gain) loss on disposals of equipment Share of profit from investment accounted for under equity method Profit from operating activities before changes in operating assets and liabilities Decrease (increase) in operating assets Hire purchase receivables Financial lease receivables Factoring receivables Loan receivables Assets foreclosed Other current assets Deferred commission expenses Other non-current assets Increase (decrease) in operating liabilities Amounts due to related parties Other current liabilities Rental deposits Net cash used in operating activities

118,571,847

146,462,032

118,571,847

146,462,032

45,331,820 5,700,136

49,486,723 1,262,569

39,693,465 5,700,136

33,755,965 1,299,214

14,080 13,470,072 18,337,369 -438,750 712,561

11,520 12,501,258 12,554,279 -830,700 -807,138

9,773,309 18,337,369 -438,750 -2,196,204

8,133,300 12,554,279 -830,700 -663,318

-

-

-56,235,847

-57,741,370

201,699,135

220,640,543

133,205,325

142,969,402

-1,469,663,903 -1,792,865,236 -1,077,438,050 -1,433,782,756 51,593,143 57,376,035 -68,087,814 -103,599,846 -52,995,183 10,870,952 -32,995,183 10,870,952 -42,812,355 -26,247,224 -37,595,656 -25,090,566 20,748,407 -29,649,642 -13,979,595 -13,766,803 -29,802,711 -20,377,487 -29,802,711 -20,377,487 3,737,353 -2,901,466 -6,109,206 -4,148,218 4,953,043 -926,916 2,666,325 -1,204,160 -8,624,723 5,668,453 -9,002,916 -3,498,289 -6,200,935 -1,395,456,543 -1,682,011,834 -1,071,051,667 -1,348,027,925

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

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ASH FLOW STATEMENTS (Continued)

ASIA SERMKIJ LEASING PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY FOR THE YEARS ENDED 31 DECEMBER 2006 AND 2005

CONSOLIDATED 2006 2005 (Restated) Cash flows from investing activities Acquisitions of equipment Proceeds from disposals of equipment Dividend income Net cash from (used in) investing activities Cash flows from financing activities Increase (decrease) in short-term loans from financial institutions Increase (decrease) in short-term loans from related parties Increase (decrease) in other short-term loans Increase (decrease) in long-term loans from related parties Increase in long-term loan from a financial institution Cash received from share capital increase Expenses for additional ordinary share issuance Dividend paid Net cash from financing activities Increase (decrease) in cash and cash equivalents Cash and cash equivalents at beginning of year Cash and cash equivalents at end of year (Note 20) Supplemental disclosure of cash flows information: Cash paid during the year for: Interest expenses Corporate income tax

-17,346,858 6,303,422 -11,043,436

-16,091,028 1,152,007 -14,939,021

(Unit: Baht) THE COMPANY ONLY 2006 2005 (Restated) -7,563,956 2,677,252 54,373,983 49,487,279

-14,095,286 667,194 83,314,973 69,886,881

1,383,119,388 115,000,000 853,000,000 -285,000,000 -235,000,000 265,000,000 -235,000,000 235,000,000 -55,700,000 163,000,000 -55,700,000 163,000,000 -1,050,000,000 1,000,000,000 -900,000,000 1,000,000,000 800,000,000 - 800,000,000 632,500,000 204,700,000 632,500,000 204,700,000 -742,809 -8,471,741 -742,809 -8,471,741 -69,000,000 -69,000,000 -69,000,000 -69,000,000 1,405,176,579 1,670,228,259 1,025,057,191 1,240,228,259 -1,323,400 -26,722,596 3,492,803 -37,912,785 -34,098,668 -7,376,072 -45,766,437 -7,853,652 -35,422,068 -34,098,668 -42,273,634 -45,766,437

387,555,735 38,322,071

210,797,029 38,390,668

319,878,550 29,694,575

178,407,663 35,095,199

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

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N

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OTES TO CONSOLIDATED FINANCIAL STATEMENTS

ASIA SERMKIJ LEASING PUBLIC COMPANY LIMITED AND ITS SUBSIDIARY FOR THE YEARS ENDED 31 DECEMBER 2006 AND 2005

1.

GENERAL INFORMATION Asia Sermkij Leasing Public Company Limited (çThe Companyé) is a public company incorporated and domiciled in Thailand. Its major shareholders are Chailease Finance Company Limited and AK Enterprise (Thailand) Company Limited, which have the same group of shareholders. The Company is principally engaged in the auto hire purchase services and its registered address is 175 Sathorn City Tower, 24th Floor, South Sathorn Road, Tungmahamek, Sathorn, Bangkok.

2.

BASIS OF PREPARATION The financial statements have been prepared in accordance with accounting standards enunciated under the Accounting Profession Act B.E. 2547. The presentation of the financial statements has been made in compliance with the stipulations of the Notification of the Department of Business Development dated 14 September 2001, issued under the Accounting Act B.E. 2543. The financial statements have been prepared on a historical cost basis except where otherwise disclosed in the accounting policies.

3.

BASIS OF CONSOLIDATION The consolidated financial statements include the financial statements of the Company and the subsidiary as detailed below.

Subsidiary Bangkok Grand Pacific Lease Public Company Limited

Nature of business Hire purchase, leasing and factoring

Assets as a percentage to the Percentage of Country of consolidated total assets shareholding incorporation as at 31 December 2006 2005 2006 2005 (Percent) (Percent) (Percent) (Percent) 99.99 99.99 Thailand 22.10 21.38

Revenues as a percentage to the consolidated total revenues for the years ended 31 December 2006 2005 (Percent) (Percent) 24.07 23.40

The Company and the subsidiary had the same directors and shareholders both before and after the Company acquired the subsidiary, and the Company therefore recorded the difference between the attributable net asset value of the subsidiary and the acquisition cost of Baht 4.2 million in shareholdersû equity. Significant intercompany balance and transactions between the Company and the subsidiary, investment in subsidiary in the Companyûs account and shareholdersû equity of the subsidiary are eliminated from the consolidated financial statements. 4.

120

CHANGE IN ACCOUNTING POLICY/ADOPTION OF NEW ACCOUNTING STANDARDS 4.1 In October 2006, the Federation of Accounting Professions issued Notification No. 26/2006 regarding Accounting Standard No. 44 çConsolidated Financial Statements and Accounting for Investments in Subsidiariesé (Amendment No. 1), under which investments in subsidiaries, jointly controlled entities and associates are to be presented in the separate financial statements under the cost method rather than the equity method. Entities which are not ready to adopt the cost method in 2006 can continue to use the equity method through the end of 2006 and adopt the cost method as from 1 January 2007. In this regard, the Company has elected to adopt the change in 2007. However, if the Company had adopted the change in 2006, it would have had the effect of decreasing net profit in the separate income statement for the year ended 31 December 2006 by approximately Baht 1.86 million (Baht 0.01 per share) and decreasing net worth in the separate balance sheet at 31 December 2006 by approximately Baht 10.80 million.


................................................................................................................................................

4.2

5.

In 2006 the Company changed its accounting policy regarding recognition of commission expenses incurred as a result of the execution of hire purchase contracts, whereby such commission expenses are now amortised over the contract period at the same rate as revenue is recognised, rather than immediately being recorded as expenses, as previously since 2002. The change in accounting policy was introduced so that the financial statements would more appropriately present the financial information of the Company. In changing this accounting policy, the Company had to restate the financial statements, presented herein for comparative purposes, as if the Company had always applied this accounting policy. The adjustment has the effect of increasing the net profit for the years ended 31 December 2006 and 2005 by Baht 11.5 million and Baht 7.8 million, respectively. Cumulative effects of the change in accounting policy up to the beginning of 2005 are presented under the caption of çCumulative effect of the change in accounting policy regarding recognition of commission expensesÊ in the statements of changes in shareholdersÝ equity.

SIGNIFICANT ACCOUNTING POLICIES 5.1 Revenue recognition a) Hire purchase interest income/Interest income on financial leases/Interest income from loans Hire purchase interest income, interest income on financial leases and interest income from loans is recognised as income over the period of payment, using the effective rate method, with income recognised when the installments fall due irrespective of when actual collection is made. Recognition of interest income is stopped for receivables which have defaulted on more than 6 scheduled installment payments. b) Factoring income The subsidiary recognises fees relating to factoring transactions when the factoring agreement is executed. Interest income from factoring is recognised on an accrual basis. Recognition of interest income is stopped for factoring receivables which have defaulted for more than 4 months. c) Operating lease income Operating lease income is recognised over the rent period. d) Penalty income Penalty income is recognised when received. e) Income from recommending insurance services Income from recommending insurance services is recognised on an accrual basis. 5.2

Initial direct costs of hire purchase contract Initial costs directly attributable to a hire purchase contract, such as commissions, are recognised in the income statement at the same rate as revenue, over the period of the contract.

5.3

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

5.4

Receivables and allowance for doubtful accounts Hire purchase receivables, financial lease receivables, factoring receivables and loan receivables are stated net of unearned interest income and allowance for doubtful accounts. The Company provides allowance for doubtful accounts for hire purchase receivables and loan receivables based on the estimated collection losses that may be incurred in collection of receivables, by considering of the current status of receivables, their ability to make payment, past experience and historical data on actual losses on collection. 121


The subsidiary provides allowance for doubtful accounts for hire purchase receivables, financial lease receivables, loan receivables and factoring receivables which are treated as commercial loans, based on consideration of the receivablesรป status, ability to make payment and the value of collateral. 5.5

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

5.6

Investments Investments in securities held for trading are stated at fair value. Gains or losses arising from changes in the carrying amounts of securities are included in determining profit. The fair value of marketable securities is based on the latest bid price of the last working day of the year as quoted on the Stock Exchange of Thailand. Investments in non-marketable equity securities, which are regarded as other investments, are stated at cost net of allowance for loss on diminution in value of investments (if any). Investment in subsidiary as shown in the financial statements of the Company is stated under the equity method of accounting. Under this method, the investment is recorded at cost and for each subsequent year the investment is adjusted to incorporate the Comanyรปs proportionate share of the operating results in the subsidiary. The weighted average method is used for computation of the cost of investments.

5.7

Land, building and equipment/Depreciation Land is stated at cost. Building and equipment are stated at cost less accumulated depreciation and allowance for loss on impairment of assets (if any). Depreciation of building and equipment is calculated by reference to their costs on the straight-line basis over the following estimated useful lives: Building 20 years Furniture, fixtures and equipment 5 years Machinery 5 years Vehicles 5 years No depreciation is provided for land and installation in progress.

122

5.8

Related party transactions Related parties comprise enterprises and individuals that control, or are controlled by, the Company, whether directly or indirectly, or which are under common control with the Company. They also include associated companies and individuals which directly or indirectly own a voting interest in the Company that gives them significant influence over the Company, key management personnel, directors and officers with authority in the planning and direction of the Companyรปs operations.

5.9

Leases The Company and the subsidiary as a lessor Leases which the Company and the subsidiary transfer substantially all the risks and rewards incidental to the ownership of assets, but not necessarily legal title, are classified as finance leases. Amounts due from leasees under hire purchases and finance leases are recorded as receivables at the amount of the Company and the subsidiaryรปs net investment in leases. Finance lease income is allocated to accounting periods to reflect a constant periodic rate of return on the Company and the subsidiaryรปs net investment outstanding in respect of the leases.


Leases under which the Company and the subsidiary retain substantially all the risks and benefits of ownership of the assets are classified as operating leases. 5.10 Foreign currencies Foreign currency transactions are translated into Baht at the exchange rates ruling on the transaction dates. Monetary assets and liabilities denominated in foreign currencies outstanding at the balance sheet date are translated into Baht at the exchange rates ruling on the balance sheet date. Gains and losses on exchange are included in determining income. 5.11 Impairment of assets The Company and the subsidiary assess at each reporting date whether there is an indication that an asset may be impaired. If any such indication exists, the Company and the subsidiary make an estimate of the asset没s recoverable amount. Where the carrying amount of the asset exceeds its recoverable amount, the asset is considered impaired and is written down to its recoverable amount. Impairment losses are recognised in the income statement. An asset没s recoverable amount is the higher of fair value less costs to sell and value in use. 5.12 Employee benefits Salary, wages, bonuses and contributions to the social security fund and provident fund are recognised as expenses when incurred. 5.13 Income tax Income tax is provided for in the accounts based on the taxable profits determined in accordance with tax legislation. 5.14 Interest rate swap contracts The net amounts of interest to be received from or paid to the counterparty under the interest rate swap contracts is recognised as income or expenses on an accrual basis. 5.15 Use of account estimates Preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions in certain circumstances, affecting amounts reported in these financial statements and related notes. Actual results could differ from these estimates. 6.

HIRE PURCHASE RECEIVABLES 6.1 As at 31 December 2006 and 2005, the balance of hire purchase receivables are as follows: (Unit: Baht)

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

CONSOLIDATED Current portion of Long-term portion of hire purchase receivables hire purchase receivables Total 2006 2005 2006 2005 2006 2005 3,873,508,091 3,096,240,542 5,406,300,475 4,476,016,646 9,279,808,566 7,572,257,188 (597,131,637) (470,063,638) (518,724,044) (403,790,042) (1,115,855,681) (873,853,680) 3,276,376,454 2,626,176,904 4,887,576,431 4,072,226,604 8,163,952,885 6,698,403,508 (37,889,615) (25,173,987) (50,446,622) (34,130,189) (88,336,237) (59,304,176) 3,238,486,839 2,601,002,917 4,837,129,809 4,038,096,415 8,075,616,648 6,639,099,332

123


(Unit: Baht)

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

THE COMPANY ONLY Current portion of Long-term portion of hire purchase receivables hire purchase receivables Total 2006 2005 2006 2005 2006 2005 3,279,237,159 2,761,403,158 4,892,255,050 4,150,212,961 8,171,492,209 6,911,616,119 (515,275,435) (428,188,002) (475,204,011) (375,764,390) (990,479,446) (803,952,392) 2,763,961,724 2,333,215,156 4,417,051,039 3,774,448,571 7,181,012,763 6,107,663,727 (23,716,333) (17,688,122) (37,900,536) (28,615,862) (61,616,869) (46,303,984) 2,740,245,391 2,315,527,034 4,379,150,503 3,745,832,709 7,119,395,894 6,061,359,743

6.2

As at 31 December 2006 and 2005, the balances of hire purchase receivables (net of unearned hire purchase interest income) are classified by aging as follows: (Unit: Baht) CONSOLIDATED THE COMPANY ONLY Age of receivables 2006 2005 2006 2005 Not yet due 7,537,409,714 6,179,661,654 6,612,521,472 5,604,423,610 Past due 1 - 3 installments 550,456,708 461,382,041 511,176,033 450,397,267 4 - 6 installments 44,260,375 30,987,514 35,129,930 30,987,514 7 - 12 installments 22,758,681 18,627,753 16,539,160 18,589,149 Over 12 installments 9,067,407 7,744,546 5,646,168 3,266,187 Total 8,163,952,885 6,698,403,508 7,181,012,763 6,107,663,727 Less: Allowance for doubtful accounts (88,336,237) (59,304,176) (61,616,869) (46,303,984) Hire purchase receivables - net 8,075,616,648 6,639,099,332 7,119,395,894 6,061,359,743 6.3

124

On 30 April 2004, the Institute of Certified Accountants and Auditors of Thailand with the approval of the Office of the Securities and Exchange Commission, stipulated an accounting guideline for the consumer finance business, whereby full allowance for doubtful accounts is to be recorded, recognition of revenue is to cease for accounts receivable which are overdue by more than 3 installments, and general allowance is to be provided for accounts receivable which are overdue not more than 3 installments. If the Company had followed this accounting guideline, without considering a general provision, as at 31 December 2006 the Company would have to decrease its allowance for doubtful accounts by a total of Baht 4.30 million (2005: increase by Baht 6.54 million) and reduce the amount of revenue recognised for the year ended 31 December 2006 by Baht 0.32 million (2005: Baht 0.37 million). However, this accounting guideline provides an alternative whereby, in cases where a company believes that the guideline would not be appropriate, it is to disclose the method it uses, together with the reasons. The Company has a policy to cease recognising revenue from hire purchase receivables which are overdue by more than 6 installments and to set up allowance based on consideration of the current status of receivables, their ability to make payment, past experience and historical data on actual losses on collection. As at 31 December 2006, allowance for doubtful accounts has been set aside at an average rate of 0.86 percent, without taking collateral values into account, which exceeds the historical loss on collection rate of 0.57 percent (actual loss rate between 2002 and 31 December 2006 from hire purchase receivables as of the end of the year 2001).


As at 31 December 2006, there are outstanding hire purchase receivables amounting to approximately Baht 31.15 million (2005: Baht 29.47 million) for which installment payments are more than 3 installments overdue but for which revenue is still being recognised.

6.4

6.5

7.

Hire purchase receivables of the subsidiary and also its financial lease receivables and factoring receivables are treated as commercial loans, whereby the subsidiary records allowance for doubtful accounts based on consideration of the receivables没 status, ability to make payment and the value of collateral. As at 31 December 2006 and 2005, the Company had transferred rights of claim under hire purchase agreements with outstanding balances (before net of unearned hire purchase interest income) of Baht 3,013.58 million and Baht 698.91 million, respectively, in order to secure credit facilities granted by commercial banks as discussed in Note 15 and Note 17. As at 31 December 2006 and 2005, the Company and the subsidiary had hire purchase receivables (net of unearned hire purchase interest income) amounting to approximately Baht 30.08 million and Baht 26.48 million, respectively, for which revenue recognition has ceased (the Company only: Baht 28.94 million and Baht 24.38 million, respectively).

FINANCIAL LEASE RECEIVABLES 7.1 As at 31 December 2006 and 2005, the balance of financial lease receivables are as follows: (Unit: Baht)

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

7.2

Total 2006 654,782,657 (70,769,802) 584,012,855 (16,238,003) 567,774,852

2005 708,857,286 (72,874,408) 635,982,878 (15,519,610) 620,463,268

As at 31 December 2006 and 2005, the balance of financial lease receivables (net of unearned interest income) is classified by aging as follows: (Unit: Baht) CONSOLIDATED Age of receivables 2006 2005 549,859,285 611,900,965

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

7.3

Current portion of financial lease receivables 2006 2005 353,389,809 370,559,360 (43,880,013) (47,812,722) 309,509,796 322,746,638 (9,853,226) (9,223,646) 299,656,570 313,522,992

CONSOLIDATED Long-term portion of financial lease receivables 2006 2005 301,392,848 338,297,926 (26,889,789) (25,061,686) 274,503,059 313,236,240 (6,384,777) (6,295,964) 268,118,282 306,940,276

16,292,705 4,928,155 6,777,453 6,155,257 584,012,855 (16,238,003) 567,774,852

17,933,535 1,547,785 138,676 4,461,917 635,982,878 (15,519,610) 620,463,268

As at 31 December 2006 and 2005, the subsidiary had financial lease receivables (net of unearned interest income) amounting to approximately Baht 5.34 million and Baht 2.79 million, respectively, for which revenue recognition has ceased. 125


8.

FACTORING RECEIVABLES 8.1 As at 31 December 2006 and 2005, the balances of factoring receivables are as follows: (Unit: Baht)

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

8.2

As at 31 December 2006 and 2005, the balances of factoring receivables - net are classified by aging as follows: (Unit: Baht) CONSOLIDATED Age of receivables 2006 2005 463,260,025 397,456,864

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

126

Current portion of factoring receivables 2006 2005 596,071,081 497,078,068 (129,084,423) (105,368,527) (2,142,895) (2,457,186) 464,843,763 389,252,355 (17,393,611) (7,591,877) 447,450,152 381,660,478

CONSOLIDATED Long-term portion of factoring receivables Total 2006 2005 2006 2005 18,694,311 26,693,348 614,765,392 523,771,416 - (129,084,423) (105,368,527) (1,272,522) (1,767,964) (3,415,417) (4,225,150) 17,421,789 24,925,384 482,265,552 414,177,739 (687,034) (494,824) (18,080,645) (8,086,701) 16,734,755 24,430,560 464,184,907 406,091,038

2,949,509 919,636 114,437 15,021,945 482,265,552 (18,080,645) 464,184,907

12,225,046 4,495,829 414,177,739 (8,086,701) 406,091,038

8.3

As at 31 December 2006 and 2005, the subsidiary had transferred the rights of claim under factoring agreements (before deducting factoring payables and unearned interest income) with outstanding balances of Baht 189.15 million and Baht 155.47 million, respectively, in order to secure credit facilities granted by a foreign commercial bank as discussed in Note 15.

8.4

As at 31 December 2006 and 2005, the subsidiary had factoring receivables (before deducting factoring payables and unearned interest income) amounting to approximately Baht 15.14 million and Baht 4.40 million, respectively, for which revenue recognition had cesed.


9.

LOAN RECEIVABLES As at 31 December 2006 and 2005, the balances of loan receivables are as follows: (Unit: Baht)

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

Current portion of loan receivables 2006 2005 49,883,510 7,713,219 (1,225,149) (1,017,278) 48,658,361 6,695,941

CONSOLIDATED Long-term portion of loan receivables 2006 2005 10,501,263 (52,506) 10,448,757 -

Total 2006 60,384,773 (1,277,655) 59,107,118

2005 7,713,219 (1,017,278) 6,695,941 (Unit: Baht)

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

10.

Current portion of loan receivables 2006 2005 40,384,773 7,713,219 (1,177,655) (1,017,278) 39,207,118 6,695,941

THE COMPANY ONLY Long-term portion of loan receivables 2006 2005 -

Total 2006 40,384,773 (1,177,655) 39,207,118

2005 7,713,219 (1,017,278) 6,695,941

ASSETS FORECLOSED As at 31 December 2006 and 2005, assets foreclosed are as follows:

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

CONSOLIDATED 2006 2005 39,098,391 11,189,694 (7,337,319) (1,637,183) 31,761,072 9,552,511

(Unit: Baht) THE COMPANY ONLY 2006 2005 33,176,314 10,761,504 (7,337,319) (1,637,184) 25,838,995 9,124,320

11.

INVESTMENT ACCOUNTED FOR UNDER EQUITY METHOD As at 31 December 2006 and 2005, investment accounted for under equity method are as follows: (Unit: Baht) THE COMPANY ONLY 2006 2005 Paid-up Percentage Carrying amounts Carrying amounts Subsidiary capital of shareholding based on based on (Baht) (Percent) Cost equity method Cost on equity method Bangkok Grand Pacific Lease Public Company Limited 438,500,000 99.99 499,908,837 510,704,844 499,908,837 508,842,980 During the year 2006, the Company received Baht 54.37 million dividend from the subsidiary (2005: Baht 83.31 million). 127


12.

OTHER LONG-TERM INVESTMENT As at 31 December 2006 and 2005, other long-term investment is as follows:

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

13.

Nature of business

Paid-up capital (Baht)

Sales of foods and beverage

450,000,000

Percentage of shareholding (Percent) 0.14

(Unit: Baht) CONSOLIDATED 2006 2005

1,140,000

1,140,000

(803,360) 336,640

(789,280) 350,720

LAND, BUILDING AND EQUIPMENT (Unit: Baht) CONSOLIDATED

Cost 31 December 2005 Additions Disposals 31 December 2006 Accumulated depreciation 31 December 2005 Depreciation for the year Depreciation on disposals 31 December 2006 Net book value 31 December 2005 31 December 2006 Depreciation for the year 2005 2006

128

Furniture, fixtures and equipment

Land

Building

2,430,000 2,430,000

6,770,000 67,399,235 28,794,009 14,000,000 17,712,298 - 6,023,670 11,323,188 - (1,040,394) (7,179,433) (14,000,000) 6,770,000 72,382,511 32,937,764 - 17,712,298

137,105,542 17,346,858 (22,219,827) 132,232,573

3,746,070 48,035,448 16,991,814 7,210,972 338,500 6,625,293 5,424,634 1,081,645 - (1,032,774) (5,878,454) (8,292,617) 4,084,570 53,627,967 16,537,994 -

75,984,304 13,470,072 (15,203,845) 74,250,531

2,430,000 2,430,000

Vehicles

3,023,930 19,363,787 11,802,195 2,685,430 18,754,544 16,399,770

Machinery

Installation in progress

Total

-

6,789,028 17,712,298 61,121,238 - 17,712,298 57,982,042 12,501,258 13,470,072


(Unit: Baht)

Cost 31 December 2005 Additions Disposals 31 December 2006 Accumulated depreciation 31 December 2005 Depreciation for the year Depreciation on disposals 31 December 2006 Net book value 31 December 2005 31 December 2006 Depreciation for the year 2005 2006

THE COMPANY ONLY Furniture, fixtures and equipment Vehicles

Installation in progress

Land

Building

2,430,000 2,430,000

6,770,000 50,588,533 21,065,265 14,169,609 95,023,407 - 3,276,410 4,287,546 - 7,563,956 - (779,567) (5,530,224) - (6,309,791) 6,770,000 53,085,376 19,822,587 14,169,609 96,277,572

2,430,000 2,430,000

3,746,070 33,771,424 11,370,729 338,500 5,588,117 3,846,692 - (779,566) (5,049,176) 4,084,570 38,579,975 10,168,245 3,023,930 16,817,109 2,685,430 14,505,401

Total

- 48,888,223 - 9,773,309 - (5,828,742) - 52,832,790

9,694,536 14,169,609 46,135,184 9,654,342 14,169,609 43,444,782 8,133,300 9,773,309

As at 31 December 2006 and 2005, certain equipment items of the Company and the subsidiary have been fully depreciated but are still in use. The original cost of those assets amounted to approximately Baht 42.47 million and Baht 40.20 million, respectively (the Company only: Baht 25.23 million and Baht 24.69 million, respectively). 14.

OTHER NON-CURRENT ASSETS As at 31 December 2006 and 2005, the Company and the subsidiary had hire purchase receivables and financial lease receivables totaling Baht 81.14 million and 92.72 million, respectively, (the Company only: hire purchase receivables of Baht 19.67 million and Baht 22.32 million, respectively) for which courts have issued judgements in favor of the Company and the subsidiary, and which the Company and the subsidiary are in the process of pursuing collection. The balance of such receivables is recorded in other non-current assets in the balance sheets and full allowance has been provided for the balance of the Company without taking collateral values into account and full allowance has been provided for the balance of the subsidiary after consideration to collateral values.

129


15.

BANK OVERDRAFTS AND SHORT-TERM LOANS FROM FINANCIAL INSTITUTIONS As at 31 December 2006 and 2005, bank overdrafts and short-term loans from financial institutions are presented as follows: (Unit: Baht) CONSOLIDATED THE COMPANY ONLY 2006 2005 2006 2005 Bank overdrafts 89,439,438 57,800,898 66,352,341 53,837,008 Short-term loans from financial institutions 5,578,119,388 4,195,000,000 4,208,000,000 3,355,000,000 Total 5,667,558,826 4,252,800,898 4,274,352,341 3,408,837,008 Short-term loans from financial institutions are denominated in Baht and carry interest at the floating and fixed rates with reference to the market rates. As at 31 December 2006 and 2005, short-term loans from financial institutions of the Company and the subsidiary are secured by the transfer of rights of claim under hire purchase receivables of the Company and factoring receivables of the subsidiary, as discussed in Notes 6.4 and 8.3, and standby letter of credit issued by a related foreign bank and guaranteed by Chailease Finance Company Limited.

130

16.

OTHER SHORT-TERM LOANS As at 31 December 2006 and 2005, other short-term loans consisted of promissory notes which the Company issued to companies and individuals. They are unsecured and carry interest at the fixed rates with reference to the market rates.

17.

LONG-TERM LOAN FROM A FINANCIAL INSTITUTION The Baht 800 million long-term loan from a local financial institution is a loan from a local bank which is to be repaid in full in June 2009, is subject to interest at a rate based on THBFIX and is secured by the transfer of rights of claim over hire purchase receivables of the Company, as discussed in Note 6.4. The loan agreement contains certain covenants and restrictions, pertaining to matters such as maintenance of the shareholding of the major shareholders and restrictions on dividend payment. To hedge the associated interest rate risk, the Company entered into interest rate swap agreements, as detailed in Note 28.1.

18.

RELATED PARTY TRANSACTIONS During the years, the Company and the subsidiary had significant business transactions with related parties, which have been concluded on commercial terms and bases agreed upon in the ordinary course of businesses between the Company and those related companies. Below is a summary of those transactions.


CONSOLIDATED 2006 2005 Subsidiary Management fee income Loss from sales of assets foreclosed Gain on disposals of equipment Related persons and companies Factoring fee income Chailease Credit Service Co., Ltd. Rental and service fee Sathorn City Tower Property Fund Bangkok Garden Property Fund

THE COMPANY ONLY 2006 2005

-

-

12.25 1.40

0.19

0.69

-

12.44 0.56 13.00

9.41 0.36 9.77

9.50 0.56 10.06

178.61 5.05 2.88 4.79 191.33

106.83 2.88 5.33 115.04

136.60 4.28 2.35 143.23

Interest expenses Bangkok Bank Public Company Limited China Trust Commercial Bank Mr. Jeffrey Koo Others Fee of Standby Letter of Credit and guarantee fee China Trust Commercial Bank Bangkok Bank Public Company Limited Major shareholder Internal audit fee

Guarantee fee

(Unit: Million Baht) Pricing policy

4.92 Cost plus margin of 10 percent 0.08 Market price - Market price

- Close to rates charged to other customers Close to rental rates of other buildings in the same area 6.61 0.36 6.97 Close to interest rates of other loans with similar conditions 86.85 4.42 91.27 Close to guarantee fee for other loans with similar conditions

8.75

17.47

8.75

17.14

0.90 9.65

0.59 18.06

8.75

17.14

-

3.53

-

5.29

0.76

4.50

2.31 Fee for internal audits provided to group companies is fixed based on amount of assets of each company 0.76 0.35 percent per annum

131


The relationships between the Company and its related parties are summarised below: Name of related parties Relationship with the Company Bangkok Grand Pacific Lease Public Company Limited Subsidiary Bangkok Bank Public Company Limited The Companyûs shareholder Bangkok Insurance Public Company Limited The Companyûs shareholder Mr. Jeffrey Koo Founder of Koo family business group My Funding Corporation Common major shareholders and directors Chailease Finance Co., Ltd. The Companyûs major shareholder Chailease Credit Service Co., Ltd. Related company with the Companyûs major shareholder Sathorn City Tower Property Fund Related party of the Companyûs shareholder Bangkok Garden Property Fund Related party of the Companyûs shareholder Asset Plus Institution Dividend Fund Managed by a subsidiary of the Companyûs shareholder Asset Plus Money Management Fund 2 Managed by a subsidiary of the Companyûs shareholder Asset Plus Anantasub Flexible Fund Managed by a subsidiary of the Companyûs shareholder Dr. Udomsak Chakreyawanich Director of the Companyûs shareholder China Trust Commercial Bank Related company with the Companyûs major shareholder Directors and managementûs remuneration In 2006 and 2005 the Company and the subsidiary paid salaries, bonus, meeting allowances and other allowances to their directors and management totaling Baht 30.18 million and Baht 22.24 million, respectively. As at 31 December 2006 and 2005, the Company and the subsidiary had outstanding balances of significant assets and liabilities with the related parties as follows: (Unit: Baht) CONSOLIDATED THE COMPANY ONLY 2006 2005 2006 2005 Cash and cash equivalents Bangkok Bank Public Company Limited 47,382,726 18,648,077 18,614,846 3,385,569 Accrued fee income Chailease Credit Service Co., Ltd. 15,482 41,050 Prepaid fee expenses Bangkok Bank Public Company Limited 246,575 246,575 China Trust Commercial Bank 1,108,672 948,608 1,108,672 948,608 Total 1,355,247 1,195,183 1,108,672 948,608 Prepaid interest expenses Asset Plus Money Management Fund 2 1,227,432 1,227,432 Bank overdrafts and short-term loans from a financial institution Bangkok Bank Public Company Limited 1,614,439,439 1,997,734,010 821,352,341 1,473,770,120

132


CONSOLIDATED 2006 2005 Short-term loans from related parties Bangkok Insurance Public Company Limited Asset Plus Money Management Fund 2 Asset Plus Institution Dividend Fund Asset Plus Anantasub Flexible Fund Other related person Total Amount due to related parties Bangkok Bank Public Company Limited Chailease Finance Co., Ltd. Related persons Total

(Unit: Baht) THE COMPANY ONLY 2006 2005

60,000,000 60,000,000

60,000,000 150,000,000 30,000,000 10,000,000 45,000,000 295,000,000

-

150,000,000 30,000,000 10,000,000 45,000,000 235,000,000

4,657,801 5,285,384 244,942 10,188,127

4,218,868 765,589 250,627 5,235,084

1,949,055 4,496,106 6,445,161

3,007,562 765,589 5,685 3,778,836

As at 31 December 2006 bank overdraft and short-term loans from related parties are unsecured, denominated in Baht and carry interest at the fixed rates with reference to the market rates. (Unit: Baht) CONSOLIDATED THE COMPANY ONLY 2006 2005 2006 2005 Long-term loans from related parties Bangkok Bank Public Company Limited 1,000,000,000 2,050,000,000 1,000,000,000 1,900,000,000 Other related person 70,000,000 70,000,000 Total 1,070,000,000 2,120,000,000 1,000,000,000 1,900,000,000 Less: Current portion of long-term loans (70,000,000) (1,050,000,000) - (900,000,000) Net 1,000,000,000 1,070,000,000 1,000,000,000 1,000,000,000 The Company没s long-term loans from a related company are unsecured and denominated in Baht. A loan of Baht 900 million was repaid in full in October 2006, and carried interest at a fixed rate with reference to the market rate. A loan of Baht 1,000 million is to be repaid in full within September 2008, and carries interest at a fixed rate with reference to the market rate for the first and the second year and at a floating rate for the third year, to be paid every month-end. The subsidiary没s long-term loans from related parties are unsecured and denominated in Baht. A loan of Baht 150 million was paid in full in October 2006, and carried interest at a fixed rate with reference to the market rate. A loan of Baht 70 million is to be paid in full in June 2007, and carries interest at a fixed rate with reference to the market rate, to be paid every 6 months. During the year, short-term and long-term loans from related parties have movement as follows:

133


(Unit: Baht) Related companies Short-term loans from related parties Balance as at 1 January 2006 Decrease during the year Balance as at 31 December 2006

CONSOLIDATE Related person

Total

250,000,000 45,000,000 295,000,000 190,000,000 45,000,000 235,000,000 (190,000,000) (45,000,000) (235,000,000) (190,000,000) (45,000,000) (235,000,000) 60,000,000 - 60,000,000 -

Related companies Long-term loans from related parties Balance as at 1 January 2006 Decrease during the year Balance as at 31 December 2006

THE COMPANY ONLY Related Related companies person Total

2,050,000,000 (1,050,000,000) 1,000,000,000

CONSOLIDATE Related person

Total

THE COMPANY ONLY Related company

70,000,000 2,120,000,000 1,900,000,000 - (1,050,000,000) (900,000,000) 70,000,000 1,070,000,000 1,000,000,000

Commitments and guarantees to/by related parties As at 31 December 2006, the Company and the subsidiary had provided guarantees of short-term loans totaling Baht 200 million on behalf of each other. As at 31 December 2006, the subsidiary had guaranteed factoring receivables of a related company amounting to USD 0.05 million, or Baht 1.89 million (2005: USD 0.36 million or Baht 14.68 million). As at 31 December 2006 and 2005, the Company and the subsidiary had outstanding of USD 0.18 million, or Baht 6.69 million (2005: USD 0.18 million or Baht 7.60 million) commitments under an agreement to develop and install a computer system and software with a foreign related company (the Company Only: USD 0.15 million or Baht 5.35 million (2005: USD 0.15 million or Baht 6.08 million)). 19.

134

SHARE CAPITAL 19.1 During the period 16 - 18 August 2005 the Company made an initial public offering of 23 million additional ordinary shares with a par value of Baht 5 each to the public, at a price of Baht 8.90 per share. Total proceeds from the share offer were Baht 204.70 million, with a share premium of Baht 89.70 million. Share issue costs of Baht 8.47 million were offset against this share premium. The Company registered the resulting change in its paid-up capital with the Ministry of Commerce on 22 August 2005. 19.2 On 12 September 2006, the Extraordinary General Meeting of the Company没s shareholders approved a Baht 575 million increase in the Company没s registered capital, from Baht 575 million to Baht 1,150 million, through the issue of 115 million ordinary shares, with the additional share capital to be allocated to the existing shareholders in a ratio of 1 new share for each existing ordinary share, at an offer price of Baht 5.50 per share. On 29 September 2006, the Company received the total proceeds from the increase in share capital amounting to 632.50 million, with a share premium of Baht 57.50 million. Share issue costs of Baht 0.74 million were offset against this share premium. The Company registered the resulting change in its paid-up capital with the Ministry of Commerce on 3 October 2006.


20.

CASH AND CASH EQUIVALENTS As at 31 December 2006 and 2005, cash and cash equivalents in cash flow statements consisted of: (Unit: Baht) CONSOLIDATED THE COMPANY ONLY 2006 2005 2006 2005 Cash and deposits at financial institutions 54,017,370 23,702,230 24,078,707 8,070,571 Less: Bank overdrafts (89,439,438) (57,800,898) (66,352,341) (53,837,008) Cash and cash equivalents (35,422,068) (34,098,668) (42,273,634) (45,766,437) 21.

STATUTORY RESERVE Pursuant to section 116 of the Public Limited Companies Act B.E. 2535, the Company is required to set aside a statutory reserve at least 5 percent of its net profit after deducting accumulated deficit brought forward (if any), until the reserve reaches 10 percent of the registered capital. The statutory reserve is not available for dividend distribution.

22.

EMPLOYEES AND RELATED COSTS

Number of employees at end of year (persons) Employee costs for the year (Million Baht)

CONSOLIDATED 2006 2005 334 315 171.46 167.60

THE COMPANY ONLY 2006 2005 258 249 137.01 134.61

23.

BASIC EARNINGS PER SHARE Basic earnings per share are calculated by dividing the net profit for the year by the weighted average number of ordinary shares in issue during the year.

24.

SEGMENT INFORMATION The majority of the operations of the Company and the subsidiary involve mainly the hire purchase, financial lease, operating lease and factoring businesses, and are carried on in a single geographic area, Thailand. As a result, all revenues, operating profits and assets as reflected in these financial statements pertain to the aforementioned industry and geographic area.

25.

PROVIDENT FUND The Company, the subsidiary and employees have jointly established a provident fund in accordance with the Provident Fund Act B.E. 2530. Both employees, the Company and the subsidiary contributed to the fund monthly at the rate of 5 percent of basic salary. The fund, which is managed by Finansa Assets Management Limited, will be paid to employees upon termination in accordance with the fund rules. During the years 2006 and 2005, the Company and subsidiary contributed Baht 4.07 million and Baht 3.31 million, respectively (the Company Only: Baht 3.48 million and Baht 2.66 million, respectively) to the fund.

135


26.

DIVIDEND PAID Dividends declared in 2006 and 2005 consist of the followings: Dividends

Interim dividends Final dividends for 2005

Approved by Board of Directors Meeting on 28 September 2005 Annual General Meeting of the shareholders on 26 April 2006

Total dividends

(Unit: Baht) Dividend per share

69,000,000

0.60

69,000,000

0.60

27.

COMMITMENTS As at 31 December 2006, the subsidiary has obligations as the guarantor of factoring receivables of companies amounting to JPY 78.31 million and USD 0.24 million, or Baht 32.60 million (2005: JPY 4.60 million and USD 1.21 million or Baht 51.41 million).

28.

FINANCIAL INSTRUMENTS 28.1 Financial risk management The Company and the subsidiary没s financial instruments principally comprise cash and cash equivalents, account and loan receivables, bank overdrafts and loans. The financial risks associated with these financial instruments and how they are managed is described below. Credit risk The Company and the subsidiary are exposed to credit risk primarily with respect to account and loan receivables. The Company and the subsidiary manage the risk by adopting appropriate credit control policies and procedures. In addition, they do not have high concentrations of credit risk since they have a large customer base diversified across many industries. Therefore the Company and the subsidiary do not expect to incur material financial losses in excess of the allowances for doubtful accounts they have already provided. Interest rate risk The Company and the subsidiary没s exposure to interest rate risk relates primarily to their cash at banks, account and loan receivables, bank overdrafts and loans. Significant financial assets and liabilities as at 31 December 2006 and 2005 classified by type of interest rates are summarised in the table below, with those financial assets and liabilities that carry fixed interest rates further classified based on the maturity date, or the repricing date if this occurs before the maturity date.

136


(Unit: Million Baht) CONSOLIDATED 2006 Fixed interest rates Within 1 year 1-5 years

Financial assets - Cash and cash equivalents - Hire purchase receivables - Financial lease receivables - Factoring receivables - Loan receivables Financial liabilities - Bank overdrafts and short-term loans from financial institutions - Short-term loans from related parties - Other short-term loans - Long-term loans from related parties - Long-term loan from a financial institution

Floating Non-interest interest rate bearing

Total

3,276.38 309.51 49.88 3,635.77

4,887.57 274.50 10.50 5,172.57

44.34 482.27 526.61

9.68 9.68

54.02 8,163.95 584.01 482.27 60.38 9,344.63

5,578.12 60.00 107.30 70.00 5,815.42

1,000.00 1,000.00

89.44 800.00 889.44

-

5,667.56 60.00 107.30 1,070.00 800.00 7,704.86 (Unit: Million Baht)

CONSOLIDATED 2005 Fixed interest rates Within 1 year 1-5 years

Financial assets - Cash and cash equivalents - Hire purchase receivables - Financial lease receivables - Factoring receivables - Loans receivables Financial liabilities - Bank overdrafts and short-term loans from financial institutions - Short-term loans from related parties - Other short-term loans - Long-term loans from related parties

Floating Non-interest interest rate bearing

Total

2,626.18 322.75 7.71 2,956.64

4,072.22 313.23 4,385.45

15.45 414.18 429.63

8.25 8.25

23.70 6,698.40 635.98 414.18 7.71 7,779.97

4,195.00 295.00 163.00 1,050.00 5,703.00

1,070.00 1,070.00

57.80 57.80

-

4,252.80 295.00 163.00 2,120.00 6,830.80 137


As at 31 December 2006 and 2005, the Company had entered into interest rate swap agreements as follow:

Contract date

Due date

Notional Interest amount receipt rate (Million Baht) (Percent) 100 Floating rate 1,000 5.50 400 Floating rate

6 February 2003 31 October 2005 18 November 2005

6 February 2006 31 October 2006 18 November 2008

29 June 2006

29 June 2009

600 Floating rate

29 June 2006

29 June 2009

200 Floating rate

Net fair value Interest favorable (unfavorable) Change in payment rate 2006 2005 fair value (Percent) (Million Baht) (Million Baht) (Million Baht) 3.25 0.55 Floating rate 0.95 4.50 for (22.19) (16.00) (6.19) first year, floating rate for the next 2 years 6.25 for first year, floating rate for the next 2 years (2.93) 6.25 for first year, floating rate for the next 2 years (0.98) -

Fair value represented gain (loss) from mark to market as at the balance sheet date. Liquidity risk Liquidity risk arises in the general funding of the Company and the subsidiary没s activities and in the management of positions. It includes both the risk of being unable to fund assets at appropriate maturities and rates and the risk of being unable to liquidate an asset at a reasonable price and in an appropriate time frame. The Company and the subsidiary have access to a diverse funding base, with funds being raised using a broad range of instruments including capital and loans. This enhances funding flexibility, limits dependence on any one source of funds and generally lowers the costs of funds. The Company and the subsidiary strive to maintain a balance between continuity of funding and flexibility through the use of liabilities with a range of maturities. The Company and the subsidiary continually assess liquidity risk by identifying and monitoring changes in funding required to meet business goals and targets set in terms of the Company and the subsidiary没s overall strategy. In addition, the Company and the subsidiary held a portfolio of liquid assets as part of their liquidity risk management strategy. Foreign currency risk The Company and the subsidiary do not have any significant foreign currency risk. 138


28.2 Fair values Methodology of fair value measurement depends upon characteristics of the financial instruments. For the financial instruments which are traded in an active market, fair value is determined based on the latest quoted market price. If, however, the appropriate quoted market price cannot be determined, the fair value is determined using an appropriate valuation technique such as discounted cash flow. Since the majority of financial assets and financial liabilities are short-term in nature, and the interest rates of loan receivables and loan payables are approximate the market rate, the fair values of financial assets and financial liabilities are close to the carrying value presented in the balance sheet. 29.

RECLASSIFICATION Certain amounts in the financial statements for the year ended 31 December 2005, have been reclassified to conform to the current year没s classifications, with no effect on net profit or shareholders没 equity.

30.

APPROVAL OF FINANCIAL STATEMENTS These financial statements were authorised for issue by the Company没s Board of Directors on 28 February 2007.

139


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

SAN FRANCISGO

LOS ANGELES

www.ask.co.th

Ask 06  

ASK_2006 ASIA SERMKIJ LEASING PCL Annual Report 2006

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