TCAP: Annual Report 2007 THAI

Click here to load reader

  • date post

    13-Mar-2016
  • Category

    Documents

  • view

    524
  • download

    1

Embed Size (px)

description

Annual Reprot 2007 THAI

Transcript of TCAP: Annual Report 2007 THAI

  • 31

    2550 2549 2548 2547 2546

    350,000300,000250,000200,000150,000100,00050,000

    0

    286,22

    978,

    923

    228, 11

    9116

    ,936 1

    85,044

    1 35,72

    9 1 67,67

    5118

    ,284

    2550 2549 2548 2547 2546

    350,000300,000250,000200,000150,000100,00050,000

    0

    56,366

    204,73

    39 4,

    29 7

    1 63,5 5

    01 14

    ,985 147,8 9

    99 9,

    037

    262, 79

    8

    ()

    ()

    ()

    ()

    3 21,25

    651,

    25 226,

    64 42 88

    ,994

    2550 2549 2548 2547 2546

    35,00030,00025,00020,00015,00010,0005,000

    0

    6,687

    16,079

    9,836 1

    4,06 0

    9 ,438 1

    3,07 9

    8 ,161

    24 ,594

    ()

    ()

    5, 650

    2 9,475

    () 321,256 286,229 228,119 185,044 167,675 51,252 78,923 116,936 135,729 118,284

    231,034 201,319 155,858 122,443 100,212 23,156 47,000 79,907 103,198 78,108

    288,994 262,798 204,733 163,550 147,899 26,644 56,366 94,297 114,985 99,037

    271,840 248,069 192,922 158,472 138,987 25,230 55,266 92,807 113,138 94,055

    32,262 23,431 23,386 21,494 19,776 24,609 22,557 22,639 20,744 19,247

    () 18,799 16,951 10,935 9,111 7,797 2,984 5,760 7,447 6,476 4,947

    9,701 10,042 4,421 3,326 3,371 1,847 4,135 3,715 2,218 2,169

    9,098 6,909 6,514 5,785 4,426 1,137 1,625 3,732 4,258 2,778

    10,676 7,643 5,144 4,949 5,282 2,666 927 2,389 2,962 3,214

    271 223 192 157 215 - - 1,504 1,941 1,494

    12,849 11,043 7,842 5,031 4,037 845 1,617 2,818 2,786 2,176

    29,475 24,594 16,079 14,060 13,079 5,650 6,687 9,836 9,438 8,161

    2,818 1,468 3,104 2,983 2,669 2,750 1,186 3,104 2,983 2,669

    () 9.56 5.97 19.30 21.21 20.41 72.32 46.47 31.56 31.60 32.71

    () 11.55 6.49 14.31 14.92 14.30 11.66 5.25 14.31 14.92 14.30

    () 0.93 0.57 1.50 1.69 1.82 4.23 1.21 2.46 2.35 2.61

    () 2.11 1.10 2.33 2.24 2.00 2.06 0.89 2.33 2.24 2.00

    () - - - - - 0.30 * 0.80 0.80 0.70 0.60

    () 19.66 16.93 16.98 15.56 14.44 18.46 16.92 16.98 15.56 14.44

    () - - - - - - - 13.86 10.16 10.60

    2550 2549 2548 2547 2546 2550 2549 2548 2547 2546

    * 2550 2550 1 2550 - 30 2550

    2 5 5 0 1 ( )

    1 2 5 5 0 ( )

    AdministratorRectangle

    AdministratorRectangle

  • 10 2 5 5 0 ( )

    2550 2549 3 4 23 2550

    2550

    ()

  • 2 5 5 0 11 ( )

    2550 ()

    3

    (The Bank of Nova Scotia : BNS) BNS BNS

    2 74.92 BNS 24.98 2551 BNS BNS 49 3 2551

    BNS 50 BNS BNS

    2 0.54 2 15 2551

    2550

    (Universal Banking)

  • 12 2 5 5 0 ( )

    (Customer Centric) (Synergy) 2550 1 2550 2549 BNS

    3 33 166 (ATM) 38 280 2550 2550 4,874 2,289 88.5 2,818 1,350 92.0 2549 2550 2.11

    1.10 2549

    2550 9,098 2,189 31.7 1,848 342 2.7 3.5 2550

    2550 10,676 3,033 463 2,454

    65.0 75.9

    2550 2,051 1,292 100

    2551 2550 BNS

  • 2 5 5 0 13 ( )

    BASEL II 39 (IAS 39)

    2550

    2550

    ()

  • 24 2 5 5 0 ( )

    2550 2551 . (NESDB)

    2550 3 2549 2550

    . 18.1 1.7 7.7 3.7

    ... 2550 2550

    2550 23 Sub-prime 2550 34.5 8.79

    Real GDP

    8

    7

    6

    5

    4

    3

    2

    1

    0Q1-2005 Q1-2006 Q1-2007 Q1-2008 Q1-2009

    BOT Forecast

    ActualSource : NESDB and The BOTs Inflation report ; January 2008

    2005 = 4.5 2006 = 5.0 2007 = 4.8 2008f = 4.5 - 6.0 2009f = 4.5 - 6.0

    2.00%

    1.25%

  • 2 5 5 0 25 ( )

    4.8 2550 5.7 3.9

    GDP 2.3 NPL 3.95 2549

    1. GDP() 4.5 5.1 6.3 5.3 4.5 4.3 4.8 4.2 4.3 4.8 5.7

    2. () 4.5 4.7 5.7 6.0 3.6 3.3 2.3 2.4 1.9 1.6 2.9- () 1.6 2.3 2.6 2.8 1.9 1.7 1.1 1.4 0.9 0.8 1.1

    3. () 4.5 3.2 4.0 3.1 2.8 2.7 1.4 1.4 0.9 1.8 1.6 () (11.2) 3.0 6.0 4.3 11.0 (6.0) (11.4) (16.2) (7.7) 2.1 (22.4)() 4.5 (6.4) (1.3) 0.6 0.0 (23.0) (18.9) (23.3) (20.9) (23.3) (6.3)( 2000, ) 10.0 15.2 13.2 15.1 19.2 13.2 9.7 5.6 6.9 4.9 20.8

    4. () 72.1 73.9 75.0 73.6 73.8 73.2 76.1 76.0 75.1 75.7 77.7

    5. () 9.1 7.4 9.7 6.6 6.6 6.7 8.2 6.0 5.6 9.0 12.1

    6. () 10.6 3.7 6.8 3.1 3.2 1.9 0.5 (2.3) (0.7) 1.1 3.9-

    ( 2000, ) 21.0 5.4 7.0 8.4 3.4 2.8 4.1 (4.2) 0.2 4.9 15.97.

    ( ) 15.2 17.0 17.0 15.4 15.7 19.8 18.1 17.9 18.0 12.6 24.0- 7.2 5.2 5.5 6.4 5.3 3.8 5.7 4.7 5.1 4.5 8.5- 7.4 11.2 10.9 8.6 9.8 15.4 11.8 12.7 12.2 7.8 14.3

    8. ( ) 25.8 7.9 4.9 3.3 12.2 11.5 9.6 5.9 7.3 8.4 16.6- 6.3 6.5 6.3 7.9 6.8 4.9 5.4 3.4 3.4 4.1 10.5- 18.4 1.4 (1.3) (4.3) 5.1 6.3 4.1 2.4 3.8 4.1 5.5

    9. () (8,253.7) 994.5 (162.2) (1,858.9) 1,360.3 1,655.3 11,972.9 3,317.8 1,240.0 2,942.2 4,472.910. () (7,641.8) 2,174.2 717.7 (2,308.4) 1,205.2 2,559.6 14,922.6 4,689.3 1,121.1 2,928.4 6,183.811.

    () 11.5 13.8 3.6 3.1 3.4 3.7 14.3 3.8 3.2 3.4 4.0 () (1.2) 20.0 35.5 24.1 11.8 12.0 3.6 5.8 1.7 2.3 3.0

    12. () 1/ 0.66 0.55 0.67 0.61 0.45 0.48 0.50 0.59 0.59 0.44 0.43 () 1.8 1.5 1.9 1.7 1.2 1.3 1.4 1.6 1.6 1.2 1.2

    13. () 8.23 8.54 8.35 8.41 8.54 8.54 8.79 8.67 8.70 8.79 8.7914. /

    ( ) 4.0 5.0 4.50 5.00 5.00 5.00 3.25 4.50 3.50 3.25 3.25MLR ( ) 6.6 7.8 7.38 7.63 7.75 7.75 6.99 7.63 7.13 6.99 6.99 12 ( ) 3.0 4.5 4.00 4.38 4.63 4.50 2.38 3.75 2.50 2.38 2.38- . ( ) 6.7 3.8 9.4 9.0 6.2 3.8 1.4 0.0 0.6 1.2 1.4- NPL

    ( ) 8.16 4.12 7.97 8.22 8.18 4.12 n.a. 4.18 4.40 4.43 3.95- () 713.7 679.8 733.3 678.1 686.1 679.8 858.1 673.7 776.8 845.5 858.1-

    () 16,454 16,281 20,916 15,438 12,997 15,615 17,097 11,800 15,113 21,917 19,422- () 40.2 37.9 39.3 38.1 37.7 36.6 34.6 35.6 34.7 34.0 33.9

    15. - () 87.7 82.5 85.3 81.7 80.4 83.0 77.1 79.1 77.1 75.8 76.3- 45.8 44.2 45.0 43.7 43.2 45.1 43.5 43.5 42.1 42.9 45.7- 93.2 93.8 104.4 92.2 87.9 90.7 80.9 84.4 81.3 76.6 81.9

    : . . . . . .

    1 2548 2549 2550 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4

  • 26 2 5 5 0 ( )

    2551

    2551 2551 15,000 (SML) SME 2551 hard disk drive (EcoCar) 2550 BOI 744.5 99.5 2549

    40 SET MAI

    2551 (1) Sub-prime

    2551 4.1 1.2 10 (2)

    sub-prime sub-prime sub-prime 2551 33.6 sub-prime

    2551 2550 2551 2551 4.0-6.0

    : 2551 4 2550 2551

    2

    GDP Growth ()

    2550 2551Capital Nomura 4.6 4.8Phatra Securities 4.5 4.7Kasikorn Research 4.5 4.5Goldman Sachs 4.5 4.5SCB 4.5 4.7DBS Bank 4.3 5.6Stanchart 4.2 4.7Lehman Brothers 4.2 4.5JP Morgan 4.2 5.1Average 4.4 4.8NESDB 4.5 4.5-5.5Bank of Thailand 4.3 - 4.8 4.5-6.0

  • 2 5 5 0 27 ( )

    2550 4.7 2.3

    4 2550 4 2550 2.9 2551 68.83 2550 80 - 85 2551 85 - 87 5.4

    . 2551 2.8 - 4.0 . 3.2 - 3.7

    2550 . 175basis points 3.25

    .

    . . 4 2551 3.25

    822.2 2550 702.7 2549 1 175 - 263 basis points

    Headline & Core Inflation

    8

    7

    6

    5

    4

    3

    2

    1

    0Q1-2005 Q1-2006 Q1-2007 Q1-2008 Q1-2009

    BOT Forecast

    ActualSource : Ministry of Commerce and The BOTs Inflation report ; January 2008

    %

    Headline Inflation

    Core Inflation

    2005 2006 2007 Jan FebHeandline Inflation 4.5 4.7 2.3 4.3 5.4Core Inflation 1.6 2.3 1.1 1.2 1.5

    20082007 2008f 2009f

    Heandline Inflation 2.3 2.8 - 4.0 1.8 - 3.3Core Inflation 1.1 1.3 - 2.3 1.5 - 2.5

  • 28 2 5 5 0 ( )

    2.25 - 2.375 2550 87.5 basis points 6.875 2551 375 basis points 450 - 463 basis points

    2550 34.5 37.9 2549 2551 . 30 on-shore off-shore 31.5 Sub-prime

    2550 780 700 2551

    2551 Sub-prime Fed Fund rate 200 basispoints 1 2551 2.25 3.25 2551

    ( 12 (0.89) 2550)

    Fed Fund Rate . .

    2551

    3.25

    2.25

    Policy Interest Rate

    6.0

    5.0

    4.0

    3.0

    2.0

    1.0

    0.0

    Source : The Bank of Thailand

    Precent per Year

    Jan-03

    Jul-05

    Jan-05

    Jul-04

    Jan-04

    Jul-03

    Jan-08

    Jul-07

    Jan-07

    Jul-06

    Jan-06

    Fed Fund Rate

    BOT policy interest rate

  • 2 5 5 0 29 ( )

    () (Holding Company) 50 .

    2550 . () () 8 () 30 2550 . The Bank of Nova Scotia Asia Limited BNSAL 24.99

    19 2550 BNSAL 157,130,216 BNSAL 276,263,000 16.37 BNSAL 433,393,416 24.98 11 2551 BNSAL BNS

    1 2550 1/2550 9 2550 16.37 7,694,450 1,299,607,043 74.92 15 2551

    ()

    ( : )

    2550 2549

    (% yoy)

    18,799 16,951 10.9 9,701 10,042 (3.4) 9,098 6,909 31.7 10,676 7,643 39.7 12,849 11,043 16.4 6,925 3,509 97.3 (2,051) (924) 122.0 4,874 2,585 88.5 (1,705) (965) 76.7 (351) (152) 130.9 2,818 1,468 92.0

  • 30 2 5 5 0 ( )

    ( : ) 2550 2549

    (% yoy)

    3,064 2,946 4.0 1,274 2,256 (43.5) 13,118 10,424 25.8 1,343 1,325 1.4

    18,799 16,951 10.9

    7,227 8,182 (11.7) 169 108 56.5 1,444 184 684.8 861 1,568 (45.1)

    9,701 10,042 (3.4) 9,098 6,909 31.7

    2550 9,098 2,189 31.7 18,799

    1,848 341 3.4

    2550 4,874 2,289 88.5 2,818 1,350 92.0 2549 2550 2.11 1.10 2549

    - 2550 9,098 2,189 31.7 1,848 342 2.7 3.5 2550

    - 2550 10,676 3,033 463

    / 2,454

    - 65.0 75.9 /

    2550 2,051 1,292 100

  • 2 5 5 0 31 ( )

    ( : ) 2550 2549

    (% yoy)

    714 648 10.2 819 358 128.8 271 223 21.5 2,153 1,690 27.4/ 51 38 34.2

    / 494 874 (43.5)/ 5,389 2,935 83.6

    / 251 590 (57.5) 534 287 86.1

    10,676 7,643 39.7

    2550 10,676 2549 3,033 39.7

    463 27.4 / 2,454 83.6

    ( : ) 2550 2549

    (% yoy)

    2,894 2,572 12.5 1,288 1,189 8.3 364 547 (33.5) 252 268 (6.0) 31 34 (8.8) 814 740 10.0* - 1,478 (100.0)/ 4,461 2,345 90.2 2,745 1,870 46.8

    12,849 11,043 16.4

    12,849 1,806 16.4 2549 / 90.2

    12.5 8.3 31 .. 2550 166 133

    * 1 2550

  • 32 2 5 5 0 ( )

    ( : )

    31 2550 31 2549

    (% yoy)

    - 36,970 23,980 54.2 2,500 6,300 (60.3)- 28,874 34,766 (16.9) 239,237 209,288 14.3 (Earning assets) 307,581 274,334 12.1 13,675 11,895 15.0 321,256 286,229 12.2

    190,626 198,527 (4.0)- 4,173 4,339 (3.8) 65,398 18,460 254.3 11,047 26,575 (58.4) 76,445 45,035 69.7 271,244 247,901 9.4 17,750 14,897 19.1 288,994 262,798 10.0 26,209 22,565 16.1 6,054 866 599.1 32,262 23,431 37.7 321,256 286,229 12.2

    286,229 2549 321,256 2550 12.2 239,237 74.5 28,874 9.0

    2550 191,025 79.8

    28,874 5,892 16.9

    - 36,970 2549 12,990 54.2

    2550 239,490 29,925 14.3 2550 191,025 2549 26,700

  • 2 5 5 0 33 ( )

    ( : )

    31 2550

    31 2549

    1. 7,717 3.2 5,914 2.82. 7,258 3.0 7,558 3.63. 9,129 3.8 7,996 3.84.

    4.1 191,025 79.8 164,325 78.44.2 8,143 3.4 9,793 4.7

    5. 16,473 6.9 14,253 6.8239,745 100.1 209,839 100.1

    (255) (0.1) (274) (0.1) 239,490 100.0 209,565 100.0

    1 215,366 1 17,164 7,215

    31 2550 2549

    () () .

    (: )/

    31 50 31 49 31 50 31 49

    199,066 177,282 528 1,556 22,100 16,762 141 187 2,492 2,525 1,685 953 2,244 1,943 1,085 776 6,047 5,993 3,870 3,732 231,949 204,505 7,309 7,204 523 486 7,832 7,690

    - .- /

  • 34 2 5 5 0 ( )

    (NPLs)

    31 2550 . 11,260 2549 418 3.9 NPLs 4.7 5.2

    NPL-net NPL-net . 31 2550 4,165 1.8 NPL - net 1,790 0.8

    ( : ) 31 2550 31 2549

    (NPLs) 11,260 10,842 NPLs 4.7% 5.2%NPL-net IAS 39 4,165 5,048 NPL-net 1.8% 2.5% 8,417 8,139 NPL 74.8% 75.1%

    31 2550

    8,417 74.8 112.8 . 4,525 108.4 .

    31 2550 715,358 747 5,242 1,384 2550 ( ) 164 1,249 ( 71 196 ) 1

    NPL-net :

    (.)

    2544 2546 (.) 3,414 . 10 31 2550 1,465 (2549 : 1,769 ) .

    . 5 10 1 2544 20 20 . . .

  • 2 5 5 0 35 ( )

    ( : )31 2550 31 2549

    * () 20,409 70.7 27,178 78.2 6,488 22.5 5,282 15.2 1,977 6.8 2,306 6.6

    28,874 100.0 34,766 100.0* 31 2550 10.1 ( 5 ) 57.7 ( 5 ) 12.9 19.3

    31 2550 31 2549/ /

    :

    480 480 396 396 11 11 2 2 - - 15 15 491 491 413 413

    2,882 2,881 2,318 2,318 133 134 459 457 10 10 17 18

    3,025 3,025 2,794 2,793 : - (1) 3,025 2,793

    - 1 966 3,641 75 63 675 429 1,716 4,133

    65 -

    65 - - 5,297 7,339

    ( : )

    346

    2550 28,874 2549 5,892 16.9 27,178 2549 20,409 24.9 31 2550 2549

    31 2550 557 (2549 : 443 )

    2550 . 31

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

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

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

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

  • 36 2 5 5 0 ( )

    31 2550 31 2549/ /

    :

    486 478 5,018 5,003 1,582 1,585 905 899 3,647 4,010 2,842 2,659 5,715 6,073 8,765 8,561

    () : 358 (204)6,073 8,561

    12,220 12,736 786 236 675 1,441 13,681 14,413 : (557) (443)

    13,124 13,970

    2,278 2,642 884 1,106 331 356 3,493 4,104 : (421) (434)

    3,072 3,670 - 22,269 26,201

    -

    2550 - 40,462 2549 13,398 49.5

    2550 2,500 2549 3,800 60.3

    -

    31 2550 8,805 2.7 731 8.3

    2550 958 2549 18.7 454 220 161 123

    2550 3,275 809

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

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

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

    ( : )

  • 2 5 5 0 37 ( )

    () 13,447 3,800 77 36,487 7,901 () 262 609

    8,236

    6,665 2,572 204 147 958

    34,837 31,382 4,522 1,066

    2 2550 288,994

    90.0 32,262 10.0 9.0 9.0 2549 11.2 66.0 1.7 26.5

    2550 288,994 2549 26,196 10.0

    2550 256,024 39,037 18.0

    11,047 15,528 58.4 1

    31 2550 31 2549

    190,626 66.0 198,527 75.6 4,769 1.7 4,507 1.7

    - 65,398 22.6 18,460 7.0- 11,047 3.8 26,575 10.1

    17,154 5.9 14,729 5.6 288,994 100.0 262,798 100.0

    ( : )

    2550 32,262 37.7 23,431 2549 2550 2,818 2550 2549 2550 1,067 5,188

    31 2550 85,705 16.2 38,930 39,331 4,048 34 2,963 399

  • 38 2 5 5 0 ( )

    ( : )

    2550 2549()

    () 74.9 991 225 () 74.9 257 207 56.2 102 57 74.9 66 28 74.9 176 103 100.0 76 82 58.5 103 308

    29 53

    ()

    ()

    2550 2,750 1,564 131.9

    2550

    1,137 488 30.0 2,984 2,777 2,288 55.3 30,035

    2550

    853 295 52.9

    2,666

    1,739 187.6 1,981

    2550 845

    772 47.7 2550 270 73.6 250 70.4

    2550 51,252

    2549 27,671 35.1 8 () 30 2550 .

  • 2 5 5 0 39 ( )

    BNSAL 24.99 BNSAL 157,130,216 16.37 BNSAL 276,263,200 16.37

    23,156 47,000 50.7 24,454 27,621 11.5

    2550 24,808 25,303 50.5 2548 2550 23,069 2549 25,226

    ( : )

    31 2550

    31 2549

    1. 1,446 5.8 1,468 2.92. 5 0.0 5 0.03. 3 0.0 13 0.04.

    4.1 23,069 93.0 48,295 96.44.2 47 0.2 54 0.1

    5. 238 1.0 275 0.6 24,808 100.0 50,110 100.0

    75.3 1 18,669 1 4,331 1,808

    31 2550 2549 () .

  • 40 2 5 5 0 ( )

    ( : )

    / 2550 2549 2550 2549

    () (1)

    20,212 41,609 44 1,249 3,039 6,411 18 128 186 308 185 62 181 284 180 148 1,106 1,492 1,082 1,458 24,724 50,104 1,509 3,045 - - 140 66

    24,724 50,104 1,649 3,111 1 - - - 88 - 3 - 1 9 - - 90 9 3 - 24,814 50,113 1,652 3,111

    (1) /

    (Non Performing Loans-NPLs)

    2550 1,562 6.3 1,311 5.3

    2550 1,652 . 1,512 140

    31 2550 100 . 3

    31 2550 175,880 37 156 32 2550 6 12

    (.)

    2544 2546 (.) 587 . 10 31 2550 480 (2549 : 504 ) .

  • 2 5 5 0 41 ( )

    . 5 10 1 2544 20 20 . . .

    31 2550 183

    (2549 : 137 )

    2550 . 10 36

    2550 24,454 2549 3,167 11.5 8 3,012 BNS 1,737 126 () 347 31 2550 2549

    ( : )

    31 2550

    31 2549

    4,097 16.8 3,367 12.2 19,147 78.3 22,775 82.5 1,210 4.9 1,479 5.3 24,454 100.0 27,621 100.0

  • 42 2 5 5 0 ( )

    ( : ) 2550 2549

    / /

    :

    - - - - - - - - - - - - - -

    - -

    - - - - - - - - - - 7 8 - - 7 8 - 1

    - 8

    - 1 - - 800 - 800 -

    - 800 8

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

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

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

  • 2 5 5 0 43 ( )

    ( : ) 2550 2549

    / /

    :

    - - - - - - 1,217 894 826 1,217 894 826 () : 301 (68)

    1,518 826

    480 504 3,000 3,000 3,480 3,504 : (183) (137)

    3,297 3,367

    1,284 1,576 - - 229 242 1,513 1,818 : (172) (175)

    1,341 1,643 - 6,156 5,836

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

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

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

    17,498 71.6

    14,406 82.3

  • 44 2 5 5 0 ( )

    2550 36 14 14 8

    2550 1,555 5,556 4,001 2550 2549

    ( : )

    2550 2549

    () ()

    :- () - - - 100.0 1,500 6.9 () 74.9 14,406 82.3 99.4 16,019 73.6 - - - 75.0 113 0.5 - - - 78.0 422 1.9 - - - 100.0 500 2.3 100.0 1,000 5.7 100.0 1,000 4.6 58.5 334 1.9 58.5 334 1.5 6 99.8 898 5.1 99.8 898 4.1 - - - 100.0 360 1.7 - - - 100.0 100 0.5 - - - 100.0 10 - - - - 100.0 8 - * 100.0 146 0.9 100.0 146 0.7 * 99.9 18 0.1 99.9 18 0.1 * 99.9 16 0.1 99.9 16 0.1 95.1 20 0.1 95.1 20 0.1 01 100.0 2 - 100.0 2 - :- () 10.0 658 3.8 6.6 311 1.4 10.0 - - 10.0 - -

    17,498 100.0 21,777 100.0

    *

  • 2 5 5 0 45 ( )

    31 2550 31 2549

    12,500 46.9 39,600 70.3 12,730 47.8 15,665 27.8 1,414 5.3 1,101 1.9 26,644 100.0 56,366 100.0

    ( : )

    2550 24,609 9.1 22,557 2549 2550 2,750 2550 1,067

    31 2550 10,611 46.9 10,600 10 1

    31 2550 12,500 12,730

    24,214 27,100

    6,730

    2,935 2550 1,067

    2

    2550 25,230 49.2 24,609 48.0 1.1 1.1 2549 2.5

    2550 26,644 2549 29,722 52.7 () 27,100 2550 12,500

  • 46 2 5 5 0 ( )

    (Interest Spread) 1.4 2549 1.9 2550

    ()

    31 2550 31 2549

    31 2550

    291,098 2549 33,662 13.1 24,289 8,456

    224,940 24,289 12.1 2550 162,205 43.2

    58,071 8,456 17.0

    ( : ) 1 1

    251 - 20 - 271 1,284 800 3,480 19,025 24,589 3,009 3,937 17,848 - 24,794 4,544 4,737 21,348 19,025 49,654 12,500 - - - 12,500 - 8,230 4,500 - 12,730 12,500 8,230 4,500 - 25,230

    31 2550 270,402 2549 28,165 11.6

    191,546 7,435 3.7 1 98.2 94.5

    68,438 58,548 9,890 43,023 277.1 7,189 42.1 2550 1

    31 2550 20,695 5,497 36.2 2549 BNSAL 19 2550 276,263,200 16.37 4,522 2550

  • 2 5 5 0 47 ( )

    15.9 2549 13.1 2550 5,497 36.2 BNSAL 35,588 16.6 7,189 42.1

    53,734

    2549 75,066 2550 2549 21,050 305 6 30

    89 20 2550 3

    31 2550 . 225,284 24,598 12.3 31 2550 4,175 350 4,525 1,463 2.0

    2550 // 63 308 19 118 2550 292 537,955 2,698 2,978 1.2 1.5

    31 2550 . 225,284 24,598 12.3 31 2550 4,175 350 4,525 1,463 2.0

    (Non-Performing Loans)

    31 2550 . 5,213 2549 1,460 38.9 (NPLs/Total loan) 2.31 1.87 4,525 86.8

    (NPL-net) NPL-net . NPL-net 1,790 NPL-net 0.81

  • 48 2 5 5 0 ( )

    31 2550 23,661 1 20,017 2 3,644 12.0 11.1 . 8.5

    2550 991 766 340.1 1,728 686 (Loan Spread) 3.3 2.7 2549 (Cost to Income Ratio) 60.9 78.4 2549

    1. 113,238 162,205 43.2 2,371 2550

    2. (Cost of Fund) 3.8 4.2 2549

    3. 2550 (Non-interest Income Ratio) 20.6 18.0 2549 (Cost to Income Ratio) 60.9 78.4 2549

    2550 3,637 2,054 991 766 2550 5,213 3,753 2549 1 2550 (Sum of the year digits) (Effective Rate)

    2550

    17,123 1,604 10.3

    9,386

    124 1.3

    2550

    2,606 1,352 2549 100 . 2549

    2550 2,005

    686 52.1 450

  • 2 5 5 0 49 ( )

    2550

    6,105 360 6.3

    ()

    31 2550 31 2549

    2550 3,695

    5.5 19.5 12.2 9.9

    2550 1,430

    1,244 186 87.0 13.0

    2550 2,265

    185 8.9 257 50 73

    2550

    93 86 179 346 150 18

    2550

    129.9 2549 68.7 3 7.0

    2550 257 50 24.4

    1,057

    39 3.8 734 176 12.9 39.8 86 34 23

    2550

    702 31 4.2 56 5 40.0 27.7 25 19

    31 2550 31 2549

    ( 71.5 ) 2550 307 139 2549 83.0

  • 50 2 5 5 0 ( )

    ( 25.7 )

    2550 79 37 2549 89.1 2550

    2550 228

    102 81.0

    2550 102 45 79.6 2549 10.2

    31 2550 375

    113 43.2 31 2549 364 111 43.6

    40 25 155.6

    188.2 24.3 14.8

    (Operating Profit Margin) 2550 39.0 2549 31.4 (Net Profit Margin) 2550 27.2 21.7 2549

    31 2550 31 2549

    2550 2,842

    482 20.4 31 2550 1,981 339 20.7 1,769 212

    2550 2,129

    364 20.6 212

    2550 713

    118 19.9 (Return on Equity) 2550 11.1 2549 (Return on Equity) 6.3

    2550 193

    63 59 5

    2550

    2550 66 38

    132.0 1.4

  • 2 5 5 0 51 ( )

    2,371 336

    16.5 2,282 327 16.7 2550 2550 326 87 36.5

    2550 1,181

    258 28.0 (Loss Ratio) 2550 60.1 2549 58.5323 43 15.2

    31 2550 31 2549

    2550 7,033

    52.0 6,271 83.0 2549 89.0

    2550 5,908

    56.0 95.0

    31 2550 5,593 54.0

    31 2550 1,126

    297 36.0 (Return on Equity) 2550 18.0 2549 15.1

    2550 176 103 2549 2550 3.5

    2550 3,226

    1,861 136.0 106.0 1,020.0

    2550 2,819

    1,714 155.0

    1,972 303.0 106.0 1,020.0

    526 8.0 75.0 2550 7.0 27 2549 13.0 15 2549

  • 52 2 5 5 0 ( )

    304 177 139.0

    404 154 61.0 138

    31 2550 31 2549

    2550 2,210 158

    7 322 341 287 1,223 27

    2550 459 256

    36 160

    2550 1,751 98

    6 (Return on Equity) 2550 6 2549 19

    2550 98 210

    68 2549

    2550 72 52

    42 2549 2550 210 105 33

    127 62

    2550 62

    45 30 40 160 34 . 39 (IAS 39)

    31 2550 31 2549

    2550 5,867 4,052

    41 4,050 75 628 () 404 1,140 1,269 2,287 64

    2550 4,639 4,129

    47 2550 4,050 4,250 () 93

    2550 1,228

    76 7 2550 78

    (Return on Equity) 2550 6

  • 2 5 5 0 53 ( )

    2550 78

    2550 211

    302 59 2550 505 280 36 2550 36 401 2549 365 2550 301 435 2549 134 21

    327 327

    50 4,050 8,300

    79 . (NPLs) IAS 39 . 33 114 5 4

    70

  • 54 2 5 5 0 ( )

    2550 ()

    () ()

    (ConsolidatedSupervision)

    2550

    1) () 2) 3) 4) 5) 6) 7) 2000 8)

    1) 2)

    30 2550 8 4,670

    1. () 1,499,999,930 100.002. 7,499,993 75.003. 49,999,400 100.004. 38,999,434 78.005. 599,993 100.006. 999,993 100.007. 35,999,994 100.008. 9,999,000 100.00

    5 2550 . 12 2550 4,158 (Book Value) 2550 28 2550 6,000,000 100 The Bank of Nova Scotia Asia Limited

    30 2550 276,263,200 The Bank of Nova Scotia Asia LimitedBNSAL 16.37

    BNSAL 49 BNSAL 24.99

    49 1 4

    19 2550 BNSAL 276,263,200 16.37 BNSAL 157,130,216 16.37 BNSAL 433,393,416 24.98 1,291,912,593 74.48

    BNSAL 1 (One Presence) BNSAL The Bank of Nova Scotia -Bangkok Branch

    ()

  • 2 5 5 0 55 ( )

    11 2551 BNSAL The Bank of Nova Scotia BNS BNSAL BNS 24.98

    ...

    1. ()

    2.

    3. 4.

    5.

    () ()

    ()

    ()

    - (Operations Group) Thanachart Diamond Business Model Thanachart Diamond BusinessModel

    - HUB Operation Excellence

    - Thanachart Contact Center 2550 1770 24

    ()1) (Human Resource

    Information System : HRIS) 1 1 2550 2551

    2) (Hire Purchase System) 2550 2551

    3) (General Ledge System) 1

    ()

    1) Credit Balance

    2) SET50 Index Options Freewill Solutions SET50 Index Options SET50 Index Futures

    1.

    2. (HiInvest)3. KYC/CDD

  • 56 2 5 5 0 ( )

    SurveySystem Open Claim (GIS) Auto

    ()- 33 166

    2550 8

    - 38 280 2550 139 141 ATM Connect ATM

    - 2550 65 21

    () 2550 5 2 3 2550 () 33

    16 8

    ()-

    Decentralization Centralization Cross-selling & Product Bundling Centralization

    -

    ()1.

    (Equity ETF)

    2. SET50 Index Options 29 2550

    3. (Investment Advisory) 16 2550

    (Savings Plan) 27

    On-Line

    One Stop Service

    ()

    12

    ( : )

    Roll Over 4 4,571 1 1 4,947 3 1,645 4 4,084 12 15,247

  • 2 5 5 0 57 ( )

    2

    1. 14/14-Smart Tax 14 14 50,000 (Bonus) 3 14

    2. () 10

    1.

    1.1 Motor (Plus 2)1.2 Motor (2 & 3 Plus)

    2. 2.1 SME Package2.2 Happy PA

    ()

    Best Bond Securities Firm (ThaiBMA) 2549 (ThaiBMA Best Bond Award 2006)

    Best Fund Group Over Three Years 2007

    (Bond Group) 3 2006 2007

    (THAILAND

    NATIONAL QUALITY AWARDS : TNQA) 2550 5 TNQA

    2 2550 33 166 2550

    3 Best Fund Group Over Three Years2007 (Bond Group) 3

    1

    3

    5

    2

    6

    4

    1 () ATM Connect

    4 24.98

    5 () Best Bond Securities Firm (ThaiBMA) 2549 (ThaiBMA Best Bond Award 2006)

    6 (TNQA) 2550

  • 58 2 5 5 0 ( )

    The Bank of Nova Scotia

    ()

    01

    ()

    ()

    29 2551

    24.98%

    74.92%

    100%

    75.00%

    100%

    100%

    100% 100%

    58.45%

    2000

    100%

    100%

    100%

    100% 100%

    100%

    100%

  • 2 5 5 0 59 ( )

    2

    ) 1. ()

    (Holding Company)

    2. ()

    3. () 4

    4. ( 75) ( 25)

    5.

    6. 2

    7.

    8.

    9.

    10.

    ) 1.

    2.

    3.

  • 60 2 5 5 0 ( )

    31 2548 - 2550

    ( : )

    2550 2549 2548 % % %

    () 2,378 13.4 4,588 33.7 6,979 58.4 () 15,360 86.7 11,136 81.7 3,001 25.1 () 72 0.4 88 0.7 60 0.5 210 1.2 512 3.8 446 3.7 63 0.4 114 0.8 181 1.5 6 0.0 6 0.0 3 0.0 55 0.3 55 0.4 22 0.2 160 0.9 141 1.0 102 0.9 421 2.4 227 1.7 85 0.7 1 0.0 - - - - 73 0.4 84 0.6 56 0.5

    18,799 106.1 16,951 124.4 10,935 91.5

    () 567 3.2 583 4.3 1,578 13.2 () 9,125 51.5 9,440 69.3 2,821 23.6 () 1 0.0 7 0.0 3 0.0 8 0.0 12 0.1 19 0.2

    9,701 54.7 10,042 73.7 4,421 37.0

    9,098 51.4 6,909 50.7 6,514 54.5

    () () 824 4.6 553 4.1 346 2.9 () (2,643) (14.9) (1,228) (9.0) (414) (3.5) () 1 0.0 13 0.1 115 1.0 (80) (0.5) (134) (1.0) 700 5.9 9 0.1 94 0.7 4 0.0 (163) (0.9) (61) (0.5) (26) (0.2) 1 0.0 4 0.0 (2) (0.0)

    (2,051) (11.6) (759) (5.6) 723 6.1()

  • 2 5 5 0 61 ( )

    () - - (1) (0.0) - - () - - (33) (0.2) (63) (0.5) () - - (10) (0.1) (104) (0.9) - - (121) (0.9) (259) (2.2) - - - - (4) (0.0)

    - - (165) (1.2) (430) (3.6)

    7,047 39.8 5,985 43.9 6,807 57.0

    () 1,718 9.7 1,225 9.0 1,233 10.3 () 1,506 8.5 1,144 8.4 642 5.4 () 760 4.3 869 6.4 608 5.1 471 2.6 797 5.9 523 4.4 241 1.3 348 2.6 66 0.6 368 2.1 255 1.8 243 2.0 2,081 11.7 1,668 12.2 1,056 8.8 3,313 18.7 1,231 9.0 779 6.5 86 0.5 51 0.4 25 0.2 66 0.4 14 0.1 - - 66 0.4 41 0.3 (31) (0.3)

    10,676 60.2 7,643 56.1 5,144 43.0

    17,723 100.0 13,628 100.0 11,951 100.0

    2550 2549 2548 % % %

    ( : )

    . 2000 . . . . . . 6 . 01 .

  • 62 2 5 5 0 ( )

    3 (Universal Banking) (Customer Centric) (Synergy) 3 FullyIntegrated Financial Service

    (Universal Banking)

    (ATM, ADM)

    (Customer Centric) (Data Management Center)

    (Synergy) (Integrative) (LearningOrganization) (Know-How) (Skill)

  • 2 5 5 0 63 ( )

    3 - 5

    ()

    (Holding Company)

    () 6

    () . 31 2550 166 (ATM) () 280 (CDM) 3 65 45 20

    6 (CEOsSix-Point Agenda) 2549

    1. (Financial Targets) (Long-term Strategic Plan)

    2.

    (Growth Initiatives)

    3. (Operational Improvement) (BestPractice)

    4. (People Development) New DNA

    5. (Good CorporateGovernance)

    6. (Public Relations and Communication)

    4

    1 2 3 4

    1

    4

    (Saving Deposit) (Fixed Deposit) 3, 6,

    12, 24 36 9 15

  • 64 2 5 5 0 ( )

    (Current Deposit) (Foreign Currency Deposit)

    1. (Product Strategy)

    2. (Pricing Strategy)

    3. (Promotion Strategy)

    2550

    4. (Customer Segmentation)

    (Customer Centric)

    1. 2550 166

    86 80

    2.

    3. 2550

    (ATM) 280 2550 (CDM) 3 ATM Pool 24

    2

    5 (SMEs)

    2.1

    Smart Home

    My Cash

  • 2 5 5 0 65 ( )

    Scholar Loan Pilot Loan

    4

    1.

    2.

    3. 4.

    1.

    2.

    2.2

    (SMEs)

    (SMEs) /

    SMEs SMEs

    SMEs

    2.3

    ()

    1. (Term Loan Facility)

    1 /

    2. (Working Capital Facility)

    1

    3. / (Aval / Guarantee Facility)

    4. (Trade Finance)

    Trade Finance (LC) (SG) (PC)

  • 66 2 5 5 0 ( )

    (Target Sectors)

    Loan Rating RAROC Model

    .

    RAROC Model, Credit Scoring Loan Rating

    Watch List Committee 1

    (Target Sector) Supply Chain

    3 1. 2. Cross Selling 3. 2.4

    NGV .

    (Hire Purchase)

    1. 2. 3.

    1.

    2. TFA (Thanachart Financial Agent) (Cross Selling)

    3.

  • 2 5 5 0 67 ( )

    2.5

    (Import L/C) (Trust Receipt) (Packing Credit) (Export Bill Negotiation) (Standby L/C) (Letter of Guarantee)

    1. SMEs

    2.

    3

    (FundTransfer) (ATS) (BAHTNET) (SMART) (Bill Payment) Counter, ATM, IVR, Internet Mobile .

    3.1 (ATS)

    ( One toMany)

    Payroll : ATS Credit :

    ATS Debit :

    ATS Diskette,

    Modem Internet 3.2 (SMART

    (Credit))

    ( One to Many) SMART Counter Internet

    3.3 (Fund Transfer)

    (Transfer) 3 (3rd Party) (Sweep) (ORFT) (BAHTNET)

    3.4 (Sweep AccountService (Cash Link Account))

    3.5 (InterbankTransfer (ORFT))

    3.6 (BAHTNET)

  • 68 2 5 5 0 ( )

    3.7 (Bill Payment)

    ( Many to One)

    3.8 (ATM)

    2550 280 ATM Pool 24

    Visa International Visa / Plus Visa Electron 2550 ATM Connect ATM ATM 4,000 ATM

    3.9

    Thanachart Smartphone

    3

    Statement

    3.10

    Thanachart Smartweb

    (Statement)

    3.11 (CDM)

    2550 (CDM) (CDM) 3 (CDM)

    1. 2 1.1 1.2

    2. 5 2.1 2.2 ATM (

    )2.3 ()

    ATM ()

    3

    2.4 ATM ()

    2.5 ATM ()

  • 2 5 5 0 69 ( )

    1. 2. 3. (ATM)4. (Thanachart

    Smartphone)5. www.thanachartbank.co.th6. (CDM)

    4

    4.1

    (Exchange) Bank Note, TravelerCheque, Money Changer (FCD)

    31 2550 65 32 33

    4.2 /

    2549 . 2549 2550

    ...

    Feature

  • 70 2 5 5 0 ( )

    Consolidated Supervision, BASEL II, 39 (IAS 39), ...

    non-bank BIS

    ... .. 2551 . ... non-bank .

    2550

    2550 4

    4.3

    ...

    (Bondholders Representative) 2548 () ()

    2550

    2550 4.0% 4.2% 2549

    2550 2550 40.7% 87.3% 2549

  • 2 5 5 0 71 ( )

    -

    -

    2550 2 () () 2550 18 2549 1 16 2549 1 The Bank ofNova Scotia (BNS)

    () 6,505,148 5,964,657 91.7% 540,491 8.3%

    5,757,837 5,233,926 90.9% 523,912 9.1%

    (CSR)

    2550 1.1% 7.2% 2549

    2550 4.0%

    2550

  • 72 2 5 5 0 ( )

    . 1.75% 3.25% 1 1.75 - 2.625% 2549 2.25 - 2.375% 2550

    0.875% 2549 6.875% 2550

    3.75% 4.5 - 4.625%

    2550 291,098 33,662 13.1% 8 18

    4.17% 191,546 8

    4.32% 8

    2551

    2551

    . 2551

    2550 17,346 2

    1. 2550 191,546 198,981 2549

    2. 68,438 58,548 9,890 1

    2551 SMEs

    2551 2550

  • 2 5 5 0 73 ( )

    2550 2549 2549

    23,661 19,561 4,100 21.0 191,546 198,981 (7,435) (3.7)

    - 58,548 15,525 43,023 277.1- 9,890 17,079 (7,189) (42.1)

    68,438 32,603 35,835 109.9 283,646 251,146 32,500 12.9

    2550

    1. (. )

    2549

    2550 2550 12,500 39,600 2549

    2. ()

    2550 4,000 2,000 2549

    3. 2000 ()

    7 5 2550 2550 294

    4. ()

    2550 4,250 8,300 2549

    21,044 9.4 2550

    8.5 1 4.25

    ( : )

  • 74 2 5 5 0 ( )

    2550 1 12.00 10.15

    () Interest Rate GapAnalysis Liquidity Gap Analysis

    2

    1.

    ()4

    31 2550 444 10330 33 15 469

    2

    1. 2. 3. 4.

    5.

    1.

    2.

    1.

    () 16 3 (Cash) Cash Balance (Credit Balance) (Internet Trading) 2550 3.49 11 3.52 9

    BNPParibas Securities (Singapore) Pte Ltd. 60 70

  • 2 5 5 0 75 ( )

    2.

    Matching Order (Thai BondMarket Association ThaiBMA) over-the-counter(OTC) Bond Electronic Exchange BEX 100,000 2550 Best Bond Securities Firm active (ThaiBMA) 2549 (ThaiBMA BestBond Award 2006)

    2550 14 1.13 10

    3.

    () () 20 2549 SET50 Index Futures SET50 Index Options 2550

    2550 28,515 2549 21 2.02 2550 21 2549

    4.

    Mutual Fund Online

    5.

    2

    1.

    2.

    1.

    2546 - 2550 (Lead Underwriter) (Co-Lead Under-writer) (Sub Underwriter) . . . . . . . .

  • 76 2 5 5 0 ( )

    . ( . ) . . . . . . . . . . . . . .

    2.

    (InvestmentAdvisory) Foreign Investment Funds

    1.

    2551 (Growth Strategy) 4 2555 Customer Relationship Management BNP ParibasSecurities (Singapore) Pte Ltd.

    2550 2550 17,097.05 2549 16,281 297,940 2550 3.49 11 38

    4 1 2555

    2551 2550 (Mega projects) 3

  • 2 5 5 0 77 ( )

    2551 18,000 2550

    2.

    Product bundling Cross Selling

    2550 2549 2550 330% 108% 2550 SET50 Index Options 2550 196

    2551 . () Stock Options 10,000

    1.

    Cross selling

    2551 (Merger and Acquisition : M&A)

    2.

  • 78 2 5 5 0 ( )

    (Investment Advisory)

    1.

    2.

    2

    60 (Net Capital Rules)

    3.

    () ()

    4.

    31 2550 129.9 ... 7

    2.

    (. ) () ( 75) ( 25) . 2535 2540 2544 2547 . 27 2547 31 2550 . 125

    .

  • 2 5 5 0 79 ( )

    .

    . (Public Mutual Fund)

    .

    2 1)

    2)

    .

    2550 (.) 21 (Public Mutual Fund)( (Country Fund) ) 1,279,266 2549 41.9 . 5 1. . 23.6 2 . 18.1 3 . 10.8 4 . 10.6 . 5 5.5

    2550 4 2550 63.1 59.7 2549

    2550

    2550 2549 2550 408 580,756 41.5 4.1 265,050 120 2549 1.3

    92.6 448,382 2549 294,276 50.4 2550

  • 80 2 5 5 0 ( )

    .

    28 2550 . 55 72,379 (Public Mutual Fund) 53 70,853 2549 28,969 69.2 5 21 . 5.5

    2550 19,406 726 4,558 422 2,614 38

    31 2550 . 28 2549 37 2,913 973 50.1

    31 2550 . 26 3,615 2549 424 13.3 12 12 3 34,621 35,067

    2

    1.

    16 6/2540

    4

    1.

    2.

    2.1

    2.2 3

    1

    2

    3

    3.

  • 2 5 5 0 81 ( )

    4.

    95 5

    ()

    5

    30

    2550 2549 2550 () 101,378 6,287 6.6 12.1 5.5 2,557 313 13.9 () 2550 ()

    9 2550

    74,266 2549 7.4 45,154 60.8 20,782

  • 82 2 5 5 0 ( )

    28.0 5,504 2,825 7.4 3.8

    30 2550

    24 1 25 63 5 68 5 0 5 1 0 1 1 0 1

    94 6 100

    - 2550 ( : )

    1 146,506 2,324 40,062 1,727,223 8,572,533 268,897 7,328 203,210 10,968,0832 484,967 55,417 142,816 162,034 1,103,948 351,282 94,668 2,649,333 5,044,4653 655,798 58,836 170,157 127,002 2,306,011 223,595 176,578 1,326,454 5,044,4314 86,125 0 5,912 560,819 2,014,699 295,825 1,517 108,642 3,073,5395 32,381 159 39,727 185,977 1,950,409 22,673 1,803 328,766 2,561,895

    1,405,777 116,736 398,674 2,763,055 15,947,600 1,162,272 281,894 4,616,405 26,692,41311 52,426 576 3,437 98,638 1,419,904 32,766 0 180,571 1,788,318 () 0.9 0.2 0.1 1.2 3.9 0.6 0.00 1.3 2.4 5,504,155 291,063 2,534,399 8,351,293 36,802,866 5,513,092 1,622,753 13,646,476 74,266,097

    :

    2551

    2551 4 - 5

    7.5

    2551 25

  • 2 5 5 0 83 ( )

    3

    1.

    2.

    3.

    20

    - -

    (Loss Ratio)

    2. ()

    22 2540 31 2550 158 154 4 2 ()

    Multi-Distribution Channel (Bancassurance)

  • 84 2 5 5 0 ( )

    2550 201,623 16.1 2549 4.1

    24 1.67 10 24 1 3 2 4

    2551 Bancassurance

    1.

    .. 2541 006/2543 25 2543

    (1)

    (2)

    (3)

    (4)

  • 2 5 5 0 85 ( )

    (1)

    1)

    2) 3)

    1) (Sold agent)2)

    (2)

    ()

    () ()

    ()

    () ()

    (1)

    (1.1) (Senior Debt) () 2,124,458,400 () .001-5-4300016 11 2543, .001-5-4300016 (1) 18 2543, .001-5-4300016 (2) 29 2544 .001-5-4300016 (3) 26 2544 2547

    (1.2) (Sub Debt) () 1,075,541,600 () .001-5-4300032 11 2543 .001-5-4300032 (1) 19 2543

  • 86 2 5 5 0 ( )

    (1.3) (Sub Debt) () 213,458,400 () .001-5-4300032 11 2543 .001-5-4300032 (1) 19 2543

    (2)

    (2.1) () 334,334,000 ()

    (2.2) () 94,723,200 ()

    (2.3) 142,942,800 ()

    2.

    .. 2541 001/2543 22 2543

    (1)

    (2)

    (3)

    (4)

    (1)

    1)

    1.1) 1.2) 1.3) 1.4)

    2)

    1)

  • 2 5 5 0 87 ( )

    2)

    3)

    2

    1)

    1.1) 1.2)

    1.3)

    2)

    2.1) (Partner)

    2.2) A, B, C

    2.3) Package Value-Added

    2.4) (Cross Selling) (Internet)

    2.5)

    (2)

    1) 1,000,000,000 ()

    31 2550 ()

    () 99,999,993 99.99 7 0.01

    2) 31 2550 () 4,250,000,000 () 2550 () 4,050,000,000 () () 92,710,000 ()

  • 88 2 5 5 0 ( )

    2550 3

    (Consolidated Supervision) () () Solo Consolidation1 2550 30 2550 8 () (BookValue) 8 12 2550 The Bank of Nova ScotiaAsia Limited BNSAL BNSAL 19 2550 BNSAL 24.98

    Basel II 2551

    (Enterprise-wide Risk)

    1 Solo Consolidation (Credit Institution) 75

  • 2 5 5 0 89 ( )

    (Check and Balance) (Middle Office) (BusinessControl Department) (Back Office) (Front Office)

    4 1) 2) (Model) 3) 4)

    1. (Credit Risk)

    (Market Instrument)

    ()

  • 90 2 5 5 0 ( )

    1.1

    Portfolio

    31 2550 2549

    2550 92.99

    1.2

    31 2550 2549

    2550 2549 () ()

    - 1,446 5.83 1,468 2.93 - 0.00 - 0.00 5 0.02 5 0.01 - 0.00 1 0.00 3 0.01 13 0.02

    47 0.19 54 0.11 23,069 92.99 48,295 96.38 238 0.96 274 0.55

    24,808 100.00 50,110 100.00

    2550 2549 () ()

    274 17.54 308 14.72 181 11.59 284 13.57 1,107 70.87 1,501 71.71 1,562 100.00 2,093 100.00

  • 2 5 5 0 91 ( )

    2,093 2549 1,562 2550

    6.30 4.18

    2550 2549 () ()

    - 0.00 - 0.00 4 0.26 4 0.19 - 0.00 - 0.00 3 0.19 11 0.53

    33 2.11 42 2.01 1,311 83.93 1,907 91.11 211 13.51 129 6.16

    1,562 100.00 2,093 100.00

    31 2550

    100% 39 (IAS 39)

    1,562 2,093 (531) 1,450 2,041 (591)

    1,450 1,668 (218) - 373 (373)

    2550 2549 ( : )

    () 37 20 156 73 32 16 0 1 24,808 50,110 () 0.63 0.15

    2550 2549

    ( : )

  • 92 2 5 5 0 ( )

    31 2550 156 0.63 32

    1.3

    1.4

    31 2550 2,867 5.59 11.68

    389 ()

    1.5

    31 2550 11 0.02 2. (Market Risk)

    3

    2.1 (Price Risk)

    Value-at-Risk (VaR Model) Backtesting Bank for InternationalSettlement (BIS)

    Stress Test

    31 2550

  • 2 5 5 0 93 ( )

    2.2 (Interest Rate Risk)

    (Rate Sensitive Items) (NetInterest Income)

    (Reprice) (Interest Rate GapAnalysis) (Reprice)

    31 2550

    - -

    - - - - - 8

    - 8

    - - - - 1,518 826

    1,518 826 1,518 834

    2550 2549

    ( : )

  • 94 2 5 5 0 ( )

    22 - - - - 249 271 - - - - - - - - - - - - - - 1,284 1,280 - - 3,000 19,025 24,589 2,164 343 3,774 18,416 - 97 24,794

    3,470 1,623 3,774 18,416 3,000 19,371 49,654

    12,500 - - - - - 12,500 - 1,650 7,080 4,000 - - 12,730

    12,500 1,650 7,080 4,000 - - 25,230

    0 - 3 3 - 12 1 - 5 5

    ( : )

    2.3 (Exchange RateRisk)

    31 2550

    3. (Liquidity Risk)

    2550 31 2550 12,500

  • 2 5 5 0 95 ( )

    - - - - 12,500 49.54 39,600 71.65 - - - -

    - - - - 7,730 30.64 10,665 19.30 5,000 19.82 5,000 9.05

    25,230 100.00 55,265 100.00

    1 20,730 82.16 42,535 76.97 1 4,500 17.84 12,730 23.03 25,230 100.00 55,265 100.00

    2550 2549

    2550 2549

    251 - 20 - 271 - - - - - 1,284 800 3,480 19,025 24,589 3,009 3,937 17,848 - 24,794

    4,544 4,737 21,348 19,025 49,654

    12,500 - - - 12,500 - 8,230 4,500 - 12,730

    12,500 8,230 4,500 - 25,230

    10 - - - 10 1 - - - 1

    11 - - - 11

    1 1

    31 2550 ( : )

    ( : )

    ( : )

  • 96 2 5 5 0 ( )

    4. (Operational Risk)

    (Check and Balance) (FrontOffice) (MiddleOffice) (Business Control Department) (Back Office)

    (Outsourcing)

    (BusinessContinuity Plan)

    Basic Indicator Approach BIS Gross Income 5.

    31 2550 17,498 71.55 () 14,406 82.33 1,000 5.71 31 2550 2549

  • 2 5 5 0 97 ( )

    (Consolidated Supervision)

    12 2550 8 () (Book Value) 8 12 2550 The Bank of Nova Scotia Asia Limited BNSAL BNSAL 19 2550 BNSAL 24.98 ()

    6. (Strategic Risk)

    3 1 7.

    2550 2549

    ( : )

    () 14,406 16,019 1,000 1,000 334 334 () - 1,500 () - 113 - 422 - 500 - 360 1,758 1,529 17,498 21,777

  • 98 2 5 5 0 ( )

    CSR (CorporateSocial Responsibility)

    () 80 5 2550 1,280

    80

    200,000 CD 45,000

    1 2 , . . 1 2

  • 2 5 5 0 99 ( )

    1

    () 4 4

    5 2546 60 1 - 6 10 1 6

    2550

    . . . .

    2550

    2 .

    10,000 200,000

    3 1 3

  • 100 2 5 5 0 ( )

    () .

    80 3

    16 80

    (Royal Initiative Discovery) 80 2550

    2550

    () .

    12 . 12 .

    60 80

    4 5 4 5

  • 2 5 5 0 101 ( )

    21 80 5 2550

    . () NGV 0% 36 NGV

    80 5 2550

    7 1

    8 ... 8

    6

    7

    6 ( 2 3 ) 21

  • 102 2 5 5 0 ( )

    2550 (CSR : HUB) 2550

    . . . Thanachart Football Kids Camp .

    . 80

    1,000 .

    50 . . . 760 3 2548 - 2550

    . .

    9 760 .

    10 Thanachart Football Kids Camp . 9 10

  • 2 5 5 0 103 ( )

    11 1,200 5 . .

    12

    1,200 5 . .

    11 12

    (CSR : HUB)

  • 104 2 5 5 0 ( )

    31 2550

    ( ) ( )

  • 2 5 5 0 105 ( )

    3

    2550 8 () The Bank of Nova Scotia Asia Limited

    2550 7 1 8

    2551

    ( )

  • 106 2 5 5 0 ( )

    ()

    31 2550 2549 () ()

    31 2550 2549 () ()

    :-

    ) 4 1 2550 31 2549

    ) 5.10 ) 31 2549 2549 2550 2549 2550 2550 .

    3734

    : 28 2551

    () 31 2550 2549

  • 2 5 5 0 107 ( )

    () 31 2550 2549

    !,-! --./

    - '(() '(*+ '(() '(*+001 001

    2/3-2 $4'5*46*6465* '4*664%'(4+*) *)4))) *)4)))

    !&-

    10-7

    "-"8 %4$6+4%+'4)(( '4((+455*4(%( '%49$54%'9

    +4$)+4)')

    :"-"8 $4$%)49'64'$9 '4+5+4+(94*'( '*+4''*499)

    '6(45$545*9

    0-7

    "-"8 $(46))4(%+45'5

    '%4*')46*%4++5 ;

    ;

    :"-"8 %9%4))(4+65 %)*4)9$4$*) ;

    ;

    !!&-;2 *)4*6%4(*$4+95 '54)6*4*(94'55 '5%4)6'4))9 '5(4)*64569

    /3"[email protected]&= '4())4)))4))) 64$))4)))4))) ;

    ;

    -

    -#!&!;2 (4'+6466)4*6$ 54$$94+%64%() 9))4)))4))) 94*6*45''

    -!;2 ''4'6+4')$4$*( '64')%4%+*4()' 64%((4+$64$)' (49$(45+$4++9

    -1;2 ;

    ;

    %649*)4*%546+* '%4*6(459)495)

    -1!;2 %4$)94*5(455' %4''64%%%4%)% 6(54++*4)5' $%%4)+94$9%

    !-;2 '9495*4$$+4(9) $*45664''%45($ '*4*(*4$*94)69 '546'%4%$54+5%

    A"82?" '*$4(5)4$(+

    5964$))

    ;

    ;

    -1B2-=#-"8&B

    -1B2-=# '$54$)64559459+ ')54*5%45*64%96 '*45+$4+%*4''5 ()4)+$4('649'+

    A"8/3 %4+$)4%)*4((* %49%(495$4(+) ;

    ;

    !-1B2-=#A"8 '$+4'$6499$4$*$ ')+4'9546%+4556 '*45+$4+%*4''5 ()4)+$4('649'+

    -"8&B '('45964++9 '554$%'46() %$455+4*(% %54$$'4(*$

    !-1B2-=#-"8&B '$+4*9+465)4$*% ')+4(6*4+$'4*'6 '*49)546+$4659 ()4%%)49(+4$5'

    ,&-C=#"8222A? 94$5%49(*4659 94)+(4+(64%)( %46(%4(694%'% $4%%)4*%'49+)

    ,&-C=#0A&0>&2B"8 9*4)'(4*6' %()4%$*4969 $+$4)('

    (%$4++%

    !-1B2-=#-"8&B;2 '$%4)$$45+)4')% ')%4$%949*%4*($ '$4%((45$'4()( *64+++4+$'4*+%

    /[email protected];2 94)5*4%%*4'9+ 94*')4*9)4+59 '49654$$*4(5$ $4%+9465%469*

    "#&0 3;2 '4$)94%+645*$ %45(94))+46$' '')4'$64(%5 $**4$*'4$$+

    2/3:"!;

  • 108 2 5 5 0 ( )

    () () 31 2550 2549

    !,-! --./

    - '(() '(*+ '(() '(*+001 001

    "233!4567897-:

    -:"#-0 ;- %=

  • 2 5 5 0 109 ( )

    () () 31 2550 2549

    !,-! --./

    - '(() '(*+ '(() '(*+001 001

    2!3456786

    -86

    -" 6!

    62%+9$$:65&6%)

    '(*+, 62%+9(*:5&6%) %+$9$:) %+(9*:) %+$9$:) %+(9*:)

    62;%9$$$9%$*9::'2 6"&!HC6;?6"&6 /78:)7-/.78)* ,7-8/70*97/*, )78*.7))-7/09 *7/0.78--7.:9

    > '2 6++ *7:./7--*7,09 09-7,--7-.- *7.9.7*-,7-): )./709)708* "&!HC6;?6"&6 )7*9870807-)- *79*0799.70.: ,7:-.7*8,70-0 *7*8-780*7.0-

    !"&!HC6;?6"&6E" )-*7,/*7.*, *-*7:0/7.8* E

    E

    " " #$ ,78*:7:/87-,) *7/9:789978,9 ,7:-.7*8,70-0 *7*8-780*7.0-

    6

    6!%4?%I ,J ** *J *. ,J .9 .J 80

    6# ,J ** *J *. ,J .9 .J 80

  • 112

    2 5 5 0 ( )

    () 31 2550 2549

    ! " ! "! " # $ % ! &

    ! " ($ &)* +,! "+ %)-. "/ #%/ * ! * ! )*0 ( &1 2 & &! &!3 ($& )* ($ "* * 4 *55 &! ! &

    !" 6789:;< 6=9==69=::98>< ?9

  • 2 5 5 0113

    ( )

    () 31 2550 2549

    &7

    &! &! #1 $ & *&8

    &! 9: !9$';. !"#$" * * < )1* '& )1! = >> * &

    !" [email protected]

    0/?//0?/55?3A4

    [email protected][email protected]?BBB

    [email protected]

    B/4?0AB?4/B

    32/?6A3?623

    [email protected]?232

    [email protected]/B?B26?206

    ( !"#$"C "- 8

    8

    8

    8

    8

    8

    0?0B3?B60?463

    0?0B3?B60?463

    &' [email protected]

    0/?//0?/55?3A4

    [email protected][email protected]?BBB

    8

    @@[email protected]?65A

    36A?/@[email protected]

    @[email protected]?A06?A00

    [email protected][email protected]?656

    ( !" [email protected]

    0/?//0?/55?3A4

    [email protected][email protected]?BBB

    3/6?430?/52

    [email protected]@?036?626

    36A?/@[email protected]

    A?//@[email protected]

    2/?045?/64?B3B

    ( !"#$"C "- 8

    8

    8

    8

    8

    8

    2?A34?0B2?636

    2?A34?0B2?636

    &'( 06/?/@4

    0/?//0?/[email protected][email protected]

    [email protected][email protected]?BBB

    8

    /[email protected][email protected]

    A/5?BAB?503

    [email protected][email protected]

    [email protected][email protected]?/B5

    F $ .

    #$*&

    !!G9>

  • 114 2 5 5 0 ( )

    () 31 2550 2549

    %0!% !!12

    +,,- +,./ +,,- +,./""3

    4 +56)757.65,+( )5.87568856+8 +57,-5)6+5/,/ )5)6,56/)5-/,

    "4 !"9!

    !0:

    4; %;[email protected]> %> (,)5+.)5-)+ ),)57/.5-6) :

    :

    %! & +7-56/-5,+( ++(5-+65(8- :

    :

    * ! @'*A & ..,5,,-5,8) (.+57)65(.8 ,,57+)5(.6 ))756)75,7(

    & $ =A & $ =A;"B* > & $

    B&$ =A&$ =A +5-,)5,7-576, /+.5-(+5.+/ 6,+57+.57,. ,,85(+,5-77

    *!*;!!2';D$ //5+/856). )6-5+/,5,7. .(5+675,.) 6)5,-75./)

    4;2 C ;:A & /.5.+(57)8 7-5)7858/, :

    65,675/(-

    %!F % ' =* !3 & $ +,/5+8(5)-+ ).(5+.(5-.) :

    :

    %! = > @ +65-+65/7/ +656)-58/. :

    :

    * *% =* ! & ' ' % =* A &: 756/,568) ))5/-(58)) :

    :

    ;!" & '2 C! /(5()85... )((5-,7587- :

    :

    ! "G&'[email protected]!"94>F!

    "&%!2';D$ +5+8(5-+/5(+7 87-5,(758/6 :

    :

    4 &B2 C & $ (.57/65-/, ,856)6576, :

    ,(/5+6)

    4;!3 66,5+7,5+7-

    :

    )5/6)5().5,/+

    :

    ;4"EC ),57)+5-+8 )-57.85.,( .56..5+(. 65.+65(66

    4>!&$!"H!2';D$ .85(//56,) +,(566-5)+8 .56(-5))6 ),5-7(5(6.

    4 >A & )6(5(,65786 )(+5/-657+. (85,8(5-// ,/58,,5)))

    4 >*> @ '!2';D$ ++.5-+,5,,. (+57-/57)7 (75,/+5-87 /5(675+)+

    !&$*>!2';D$ (6/5-775)-- 8+657//5.76 .-56))5).7 )/5(6/57(7

    4!!"&'"3

    2C&$ ! ,5/+/57-85)7( (58+/5-6+586- )58/-5-(7 6+(57,+5,7.

  • 2 5 5 0 115 ( )

    ()

    () 31 2550 2549

    %0!% !!12

    +,,- +,./ +,,- +,./""3

    2 4!!2'56$

    % *! )(7..87+9-7888 ++7+-/7-(/7/+( ,7+987).8

    ,,,7::.7:-,

    24;>5*;

  • 116 2 5 5 0 ( )

    ()

    () 31 2550 2549

    %0!% !!12

    +,,- +,./ +,,- +,./""3

    !456!2'78$ ()9(:+9)),9;[email protected] %5 )9(/

  • 2 5 5 0 117 ( )

    () 31 2550 2549

    1. 1.1

    () () (Holding Company) 444 10 - 11 15 - 20

    1.2

    ) 5 2550 (.) ()() () 8 () 30 2550 12 2550 8 4,158 (Book Value) 2550

    . 3 2 1 4 ( () () Saturn Inc.) 1 ( ) 5 10 20 2552 ... () 10 31 2550 2550 (ConsolidatedSupervision) Full Consolidation 50 10 Solo Consolidation

    ) 11 2550 . The Bank of NovaScotia Asia Limited (BNSAL) 24.99 49 1 4

  • 118 2 5 5 0 ( )

    19 2550 BNSAL 276,263,200 16.37 BNSAL 157,130,216 16.37 BNSAL 433,393,416 24.98 1,291,912,593 74.48

    Shareholders Agreement BNSAL 29 2550 BNSAL 49 BNSAL 2

    Obligation period 2550 2551 BNSAL 1.6 BNSAL

    Call period 4 Obligation period BNSAL 1.7 BNSAL

    BNSAL

    BNSAL BNSAL BNSAL BNSAL

    11 2551 BNSAL The Bank of Nova Scotia (BNS) BNS 24.99 BNS BNSAL BNSAL

    ) 19 2550 The Bank of Nova Scotia - Bangkok Branch 1 (One Presence) BNSAL The Bank of Nova Scotia - Bangkok Branch () :-

  • 2 5 5 0 119 ( )

    ) 2550 547 1 2550 221

    ) 1 2550 9 2550 16.37 7,694,450 1,299,607,043 74.92 15 2551

    2. 2.1 .. 2547

    . . . . 10 2544

    Q c(!T/ 0"

    " := ""=/

    " "e/ Df0"0 ?6%" ggD

    /&1/ '(( W=h&." BigD

    35/: '(/1(( B[

  • 120 2 5 5 0 ( )

    !1 ./ !1 ./ 2 3#1 + 2 3#1 '

    456 4567889 78:; 7889 78:;

    !"#$%&6 !"# $ [email protected]> 599=99 599=99 #>[email protected]%@ 8D=:8 8D=:8 [email protected][email protected] ;;=D9 ;;=D9 9=9 9=9?>/ 599=99 599=99 2 ;;=;9 ;;=;9 >6# ;8=57 ;8=57 ?6#/ ;;=D< ;;=D< !>?95 599=99 599=99 !"#$%$#[email protected] !"# $ 599=99 599=99 !)/F %&7999 599=99 599=99 &-..%%& 599=99 599=99 !&[email protected])[email protected] 599=99

    2.2

    () ( ) ( ) :-

  • 2 5 5 0 121 ( )

    8(, #GC(,

    () 1. (# '7- 8# ((7) 1,499,999,930 100.00 2. '7-)#B 8# 38,999,434 78.00 3. '7-)#7- 8# 49,999,400 100.00 4. (#8##, '7- 8# 7,499,993 75.00 5. '7- F#$# 8# 9,999,000 100.00 6. '7-#,A) 8# 35,999,994 100.00 7. '7-$8$ $ 8# 599,993 100.00 8. '7-#D()$ 8# 999,993 100.00

    31 2550 2549 :-

    ) 12 2550 8 () () 4,158 2550

    1,146

    ) 19 2550 157,130,216 16.37 BNSAL 276,263,200 16.37 BNSAL 24.98 74.48 835 885 BNSAL 1,760 1,142

    (( : )

    2550 2549 2550 2549

    ''7- 8# ((7) 265,968 207,787 16,867 12,281 ( $? [email protected] $ 8# 5,596 9,631 680 1,309 ( A# 8# 1,933 2,262 304 462 '7-)#7- 8# 5,665 3,974 3,473 1,372 '7-)#B 8# 2,164 1,903 2,136 1,723 (# '7- 8# ((7) 3,035 2,615 832 957

  • 122 2 5 5 0 ( )

    ) 28 2550 6,000,000 12 78.12 2550 100

    ) 27 2550 100

    )

    2.3

    3. 9/2550 38/2550 62/2550

    )

    44 ( 2550)

    45 ( 2550)

    46 ( 2550)

    1 2550 44 45 4 46

    )

    25 ( 2550) 29 ( 2550) 31 ( 2550) 33 ( 2550) 35 ( 2550) 39 ( 2550) 41 ( 2550) 43 ( 2550) 49 ( 2550) 51

    1 2551 31 33 49

  • 2 5 5 0 123 ( )

    4. 1)

    44 ( 2550)

    31 2550 2549 68 (0.05 ) 282 (0.21 )

    2) 44 45 () 31 2550 2549 449 539

    5. 5.1

    )

    (Effective rate)

    1 2550 1 2550 1 2550 1 2550

  • 124 2 5 5 0 ( )

    (Yield) ()

    )

    )

    )

    (.)

    ) ()

    ()

    )

    ) /

    - 1 1

    -

    -

    5.2

    )

  • 2 5 5 0 125 ( )

    )

    ( ) 1 2550

    29 () 2549

    5.3 /

    :-

    - () ( 6 )

    -

    - 6

    ) 1 (Fractional reserve)

    ) 1

    5.4

    /

    ()

  • 126 2 5 5 0 ( )

    .

    ()

    () ()

    5.5

    ()

    5.6

    ()

    5.7

    5.8 /

    / /

  • 2 5 5 0 127 ( )

    /

    5.9

    /

    5.10

    ) . ()

    2549

    2549 ( ) . 21 2549 100 . :-

    ) 2549

    ) 30 2550

    ) 31 2550

    () 1 2 () .

    31 2549 100 . 100 50 20 () ) ) )

  • 128 2 5 5 0 ( )

    2550

    3 1 () ()

    2550

    1 2 () .

    100 . 21 2549 .

    31 2550 .

    ) / .

    ) 1 2 100

    )

    )

    5.11

    () ()

  • 2 5 5 0 129 ( )

    5.12

    5.13

    1 2550 - ( )

    2549 2550 2549 102 19 2550

    5.14

    )

    ) () :-

    - 20 - 5 - 10 - 5 - 10 - 5

    5.15

    5 - 10

  • 130 2 5 5 0 ( )

    5.16

    5 - 10

    3 - 5

    5.17

    5.18

    5.19

    5.20 /

    /

    (IBNR) 2.5

    5.21

  • 2 5 5 0 131 ( )

    5.22

    5.23

    5.24

    5.25

    5.26

    5.27

    5.28

  • 132 2 5 5 0 ( )

    6. ()

    !" #$$ !" #$$

    !"#%&'($)*'$!+, !-./-01 23 23 2443 2443%&,567 3238 4 3293 32 23 42%&! 3 4 4 3:";! 334 3 8 4248 99 2 429 2333 29 !#=::;?$:[email protected] 3 4

    $%&'$A

  • 2 5 5 0 133 ( )

    31 2550 2549 42

    7.

    (( : ) #$$I#8#

    2550 2549

    $CG $ $CG $

    : '&7 236 - 236 241 - 241

    'C 15 - 15 15 - 15 G#$C - 20 20 - 20 20

    251 20 271 256 20 276 (# : $JC(+8 - - - - (1) (1)

    #('-$")$K - ,' 251 20 271 256 19 275

    (( : ) #$ #$$I#8#

    2550 2549 2550 2549

    '-N'-'()$K 2,500 3,000 - - '-#,$C#@[email protected] #$ - 3,300 - -

    (# C+FC 2,500 6,300 - -

  • 134 2 5 5 0 ( )

    8. 8.1

    (( : )

    #$ #$$I#8#

    2550 2549 2550 2549

    ,/ ,/ ,/ ,/ , , , ,

    -8( ,-' -8( ,-' -8( ,-' -8( ,-'

    !'()) : !(*

    (#NN(#8 480 480 396 396 - - - - -(+B$#7 11 11 2 2 - - - - -,"-#-

    ")$K - - 15 15 - - - -

    491 491 413 413 - - - - !+(

    (#NN(#8 2,882 2,881 2,318 2,318 - - - - -(+B$#7 133 134 459 457 - - - - -,"-#-

    ")$K 10 10 17 18 - - 7 8

    3,025 3,025 2,794 2,793 - - 7 8 # ((#) : $JC#) - (1) - 1

    3,025 2,793 - 8 %(","-# /

    -#'#& 1 0 (#NN(#8 966 3,641 - -

    -(+B$#7 75 63 800 - -(+-)$K 675 429 - - 1,716 4,133 800 - !()2

    (,"#,( 65 - - -

    65 - - - )!'()) / !3 5,297 7,339 800 8

  • 2 5 5 0 135 ( )

    !" !"#$% #$% #$% #$%#$ #$ #$ #$

    '()* $'+ '()* $'+ '()* $'+ '()* $'+

    ((,(-.(-/ !01 !20 340 3 '/567#89 43 0 43 0 " 0"" '/$:#'8;8')

    :

  • 136 2 5 5 0 ( )

    8.2

    (( : ) #$

    2550 2549

    #( #(

    $# 1 )* $# 1 S 5 )* $# 5 )* $# 1 )* $# 1 S 5 )* $# 5 )*

    !(* (#NN(#8 430 50 - 480 396 - - 396 -(+B$#7 11 - - 11 2 - - 2

    441 50 - 491 398 - - 398

    !+( (#NN(#8 2,882 13 473 3,368 2,298 5,038 - 7,336 -(+B$#7 133 1,582 - 1,715 459 905 - 1,364

    3,015 1,595 473 5,083 2,757 5,943 - 8,700 # ((#) : $JC#) - 4 (9) (5) (3) (20) - (23)

    3,015 1,599 464 5,078 2,754 5,923 - 8,677

    %(","-# (#NN(#8 966 10,043 2,177 13,186 3,641 7,230 5,506 16,377 -(+B$#7 75 167 619 861 63 209 27 299 -(+-)$K 675 675 - 1,350 429 1,441 - 1,870

    1,716 10,885 2,796 15,397 4,133 8,880 5,533 18,546 (# : $JC# - (557) - (557) - (443) - (443)

    1,716 10,328 2,796 14,840 4,133 8,437 5,533 18,103

    )% 5,172 11,977 3,260 20,409 7,285 14,360 5,533 27,178

    (( : )

    #$$I#8#

    2550 2549

    #( #(

    $# 1 )* $# 1 S 5 )* $# 5 )* $# 1 )* $# 1 S 5 )* $# 5 )*

    %(","-# (#NN(#8 - 480 - 480 - 504 - 504 -(+B$#7 800 - 3,000 3,800 - - 3,000 3,000

    800 480 3,000 4,280 - 504 3,000 3,504 (# : $JC# - (183) - (183) - (137) - (137)

    )% 800 297 3,000 4,097 - 367 3,000 3,367

  • 2 5 5 0 137 ( )

    8.3 2550 322 13

    31 2550 36 426 (2549: 45 616 )

    8.4 31 2550 (.) . 1,465 10 ( : 480 ) (2549 : 1,769 504 ) .

    31 2550 557 ( : 183 ) (2549 : 443 137 )

    2550 . 31 346 ( : 10 36 )

    8.5 31 2550 2549 - () 7 6.18 3,000

    8.6 31 2550 949 (2549 : 788 )

    8.7 31 2550 2549 10 :-

  • 138 2 5 5 0 ( )

    % .-

    4+# 4+#B1A> #)#+ B1A> #)#+

    15>$%,6 2"C%&

    / />," / />,"

    >[email protected]&*%) '>6#>66 E !"# 1>6&*%) $/[email protected]#*%!" -E -E

    J>#$,6#>@>)#, J>#$,6 -E 9 :E.->#&*%)#$,6 L E : E$%&'(%>%&0, $+, >#$,6 . L EL 9 L EL 9%>>#$,6,6 $+, >#$,6 -L L E 9 L E%>0,J $+, >#$,6 :. E E%>2M)# $+, #[email protected] L : -E. L L E-%>2M)1 $+, #!"

    #[email protected] E-. 9 .E

    %>2M)1 $+, #[email protected] L --EL :%>2M)1. $+, #[email protected] 9 --EL %>2M)1N OP QR S $/",", $+, # : :E9 - E-%>2M)1$/",",2TD $+, # . E L E.%>2M)1>H#&>6!>)6!G11>'>6#HT)6>>HHT)6

    $+, #

    +2"I

    EL 9- 9E

    %>2M)>>GU %>>>6&@6%G>@

    $+, #

    +2"I

    E-

    %>2M)# $+, #[email protected] E %>2M)%0,#[email protected] $+, #[email protected] .E: %>2M)1,!)6HT)6 $+, #

    +2"I. :E-L

    %>1!,4>G%'6,4>#HT)6 $+, #+2"I

    9 E9

    >; =>@< =>>; =>@< =>>; =>@< =>>; =>@ 6 8!-"!,!I !!,,7,-*.-,,(!!

    F,5F6!-5GE %H$!)!7"!0 = = : : : : 8--7"!

    @E !!8(#$7/*! :@ :@ :@ :< @=

  • 142 2 5 5 0 ( )

    ! "

    #$ ! %&'(& !)&!*+&,-)."/001 /023 /001 /023 /001 /023 /001 /023

    "! "! "! "! "! "! 45 67&!)76&'8 # 41 41 /5 9&!# !()!)"7

    :7 4 4 #

    ';%&!&:

  • 2 5 5 0 143 ( )

    9. 9.1 31 2550 2549

    :-

    (( : )

    #$$I#8#

    #GC(, $,

    $)UJ()*

    +, 7C )$B',#8 ,7 () -', 31 '

    2550 2549 2550 2549 2550 2549 2550 2549 -6;

  • 144 2 5 5 0 ( )

    9.2 31 2550 5,665 3,473 223 ( )(2549 : 3,974 1,372 97 )

    9.3 31 2550 220 1 0.3 4 ( ) 2549

    9.4 31 2549 ( 0.2) 31 2549 142 449 307

    2550 0.2

  • 2 5 5 0 145 ( )

    9.5

    31 2550 2549 :-

    (( : ) ( ( $? [email protected] $ 8# A# 8#

    2550 2549 2550 2549

    $"

    "# : #,' 76 82 102 310 #)##,'$)M$(8) 8##8#$ :- #8##-F7(+ (40) (77) (51) (19)

    ,8##$,"#(+(F#) (1) 5 (21) (34) F#$JC#$,"(# 33 68 - -

    (+(+8(F#(+(+8) 80 133 (9) (94) ,8##)F(+ - 121 - - ,8###(F#) (25) - (5) 1 ,(#)8##8($, (12) 23 (7) (9) B$-,8$!+() 29 (39) (39) 48 C T (64) (184) (5) (17)

    #(,)8##$##$))" 76 132 (35) 186 (+$ $($!+) $,"(#7 2,760 806 - - $,"#(+ (88) 25 87 205 $"($7C 669 448 69 160 # 457 353 92 (214) C (32) 5 (27) (10) (+8##$$!+() (+C (200) 187 (51) 87

    $,'8##8#$ 3,642 1,956 135 414

  • 146 2 5 5 0 ( )

    (( : ) #$

    #GC(,

    $,

    $)UJ ()*

    +,

    # "()* +,

    7C )$B',#8 ,7 () ', '$ 31 ' 31 ' 2550 2549 2550 2549 2550 2549 2550 2549 2550 2549 2550 2549

    -) $? $ 8# ((7)

    "($7(

    F#

    1,886 1,886 18.06 20.54

    992 992 1,308 1,225 147 137 271 223

    $C 8#

    ',#8G 1 1 17.49 28.58 -

    -

    -

    1

    -

    -

    -

    -

    992 992 1,308 1,226 147 137 271 223 -5"

  • 2 5 5 0 147 ( )

    31 2550 () 18.06 () .

    10.2

    () 30 2550 2549 30 2550 31 2550

    10.3 31 2550 2549 () 2,385 2,228 ( :1,320 713 )

    ,[email protected]!.

    '"6-+5

    %=6A

    $B%

    6%+$/C%B%"

    +%"%+$/C%B%"

    D D D D D' () *+

    ,$-. E779 E779 DEF FE 7ED FE9 E797 E7 E7 ED'=

  • 148 2 5 5 0 ( )

    11. 11.1

    31 2550 49 172 ( : 28 145 ) 1 4 .

    (( : ) #$ #$$I#8#

    2550 2549 2550 2549

    $"($7C $$#$#7 1,468 988 - - $"(#C 35,026 36,280 509 695 -W$ 8,549 4,950 1,216 1,103 #(+-$7 C+ 191,025 164,325 23,069 48,295 #(+-$7#$ 1,239 929 - -

    $"($7C 237,307 207,472 24,794 50,093 # : #$+ 252 276 14 17 (# : $JC(+8 (8,066) (7,789) (1,652) (3,110) (# : $JC#)8##) F(+ (84) (150) - -

    $"($7C#$+ - ,' 229,409 199,809 23,156 47,000

    #(+',#8(# #(+ C+(#- 770 955 - - $"(#C$C C+(# 853 552 - - #(+C 307 309 - -

    #(+',#8(# 1,930 1,816 - - # : #$+ 1 1 - - (# : $JC(+8 (306) (307) - -

    #(+',#8(##$+ - ,' 1,625 1,510 - -

    $"($7C#$+ - ,' 231,034 201,319 23,156 47,000

  • 2 5 5 0 149 ( )

    11.2

    11.3

    ! !"#$%& '() '(' )(* * )(!*+),- )'(). )() (//) (.'),- )(/.. )*'() )*(..! /(! 012" #$34$5678 /!(' !(*/! (* * ()) 89+8:$;012" #$ ' 012" #$34$5678 /!(! !(. (* * ())

    ! ! 0,< /!( ). !(/ (* * ()) =,< // 4$>18? 0,< /!! 012" #$34$5678 /!(' !(*/! (* * ()) 89+8:$;012" #$ ' 012" #$34$5678 /!(! !(. (* * ())

  • 150 2 5 5 0 ( )

    11.4

    ! ""#

    $ $%&'( ) ""# *+",- (.+/0. 1234 55 1255106"7.+&89: ;23 44 ; ;;

  • 2 5 5 0 151 ( )

    11.5

    31 2550 2549 ( ) . . ( ) :-

    !" #$% &&'

    (# ()*+ ,#- &&' &./ ,+'0 12 1203#&,4#5678 1 &96.(:;

  • 152 2 5 5 0 ( )

    +,"!B1/*)$* *)$*$C-)

  • 2 5 5 0 153 ( )

    :-

    $(C- $(C- 8 7##) 7(#) 7 8F

    )#)F #(+ F(+ (1) F(+ (1) 8F- -

    -) #F 1 1 1 $) 1 #$))$C#7(+ 148 679 678 #F /(C(,, 15 569 569 (, 513 /(C$))$C )# #7(+

    164 1,249 1,248

    -5" #$))$C#7(+ 4 8 8 #F /(C(,, 2 4 4 )# 5 /(C$))$C #7(+

    6 12 12

    (1) ()

    #$ #$$I#8#

    $ 8#(+

    $(C-7(#)

    F(+ 8#(+

    $(C-7(#)

    F(+

    J

    7B( 57 148 - - #(7")* 2550 57 406 2 4

    # 5 )* 21 127 - - 5 S 10 )* 14 535 - - 10 S 15 )* 7 16 2 6 ## 15 )* 8 16 2 2

    164 1,248 6 12

  • 154 2 5 5 0 ( )

    31 2550 474

    31 2550 () () :-

    :-

    (( : ) #$ #$$I#8#

    #$+"#, 368 27 #8##7(+/,8##(+ ! "#, 208 39 #8##-F7(+ ! "#, 37 7 $78##(+ 1,585 112 F8##(+ 119 35

    40 6,$-,23"&%"$-8 "6,$- 40$- 40$-"%"&5-"$+ 40 "%" 4,$,2,

    % %5'*40,+)$'. 9:;; 9 < '*40,+)$'. 9:= = :! ?! @! &40,+ :A= :=;A A=&>B,CD40,+ 9< 9<

  • 2 5 5 0 155 ( )

    11.8 31 2550 2549 :-

    '( 2!G&!'( !8 "&11 *+ ,!- 40!""%" A=

    % %&>B,CD40,+ !",6%( 2H

    )&-&5+&"$."% >* 2H A ;

    !' CC"40,+

    *I&11#'%!" !( "J "% A>;; * 2H = =

    '*,5B2 &C"40,+

    *I&11#'%!" !( "J "% >* 2H ;A< ! ?! @! &40,+ *I&11#'%!" !( "J "% A>;* 2H = '*,K$2!40,+

    *I&11#'%!" !( "J * %" " *+ ,!-!"L,2402H&0$5+,%

    "* 2H

    :A :A

  • 156 2 5 5 0 ( )

    11.9

    31 2550 2549 () () . :-

    *+! ?0.)(#)

    [email protected]!9A17+5+)+(+($(

    "9;59:/10/(95)!#B2" !#B2"+5&)& 3&7A

    "'()&!(*+&+# !"'',-*

    7(+53415$(9 CDE EFDC DC FFDE C DFC7(+53415(!'6)#$%,#= D FDF ED DF CE7(+534159:(!9G

    &! )H!H40/10#( DC CF D C D C

    7(+53415&)& &! )H!H40/10#( DE DC DC F DC F

    7(+53415&)& 3&7A &! )H!H40/10#( D D DF DF DF DF

    ED D FDE CDC D DC&:")#,#9#B2"+5"3# (#(IH!H40

    ED D FDE CDC D DCC !"#"$%&' ()* %+,-.%"%/0&'!+,-120-,)!!+,-120-,!#34')5,67%#%2!-" ' ,!8!,9:'9:+!+,-120-,:!#%;,9'99'919/%+!!8

  • 2 5 5 0 157 ( )

    ( : )

    (1)

    / (3)

    !!"# "#$$%$

    2550 2549 2550 2549 2550 2549

    - . !

    %& 294 350 206 221 1 78 86 %&'*+,.; 40 47 - 7 2 - - %&<

    - $==&!>[email protected]! A. - 352 - 119 20 - 120 - $!>[email protected]! A. 903 968 172 204 100 524 241

    %&$$ - $==&!>[email protected]! A. - 4 - - 50 - - - $!>[email protected]! A. 443 483 3 30 100 3 30

    %&$$%$ - $==&!>[email protected]! A. - 11 - - 100 - - - $!>[email protected]! A. 2,258 2,396 1,073 806 100 1,157 1,206

    3,938 4,611 1,454 1,387 1,762 1,683 $,"#%D==& - - - - 33 33

    3,938 4,611 1,454 1,387 1,795 1,716

    231,470 204,050 "#%

    E$ (84) (150) : = (255) (274)

    " 231,131 203,626

    #$%& %& 19 14 8 6 1 2 2 %&'*+,.; 1 66 - - 2 - - %&<

    - $==&!>[email protected]! A. - 3 - - 20 - - - $!>[email protected]! A. 104 31 12 13 100 12 13

    %&$$ - $==&!>[email protected]! A. - 3 - 2 50 - 1 - $!>[email protected]! A. 7 2 1 1 100 1 1

    %&$$%$ - $==&!>[email protected]! A. - 259 - 71 100 - 71 - $!>[email protected]! A. 348 77 73 5 100 73 5

    " 479 455 94 98 88 93

    "'($)* 231,610 204,081 58,280 81,523 7,832 7,690

    (1) !". (2) #$%/&'#$%*+'%$"#$%*+'%$,-"0$45+% (3) $6$7878##$%*+'%$89$ 7777*7:;# !". #$%###"$

    #,- #$%##"

  • 158 2 5 5 0 ( )

    31 2550 .

    31 2549 100 . 100 50 20 ( . )

    ( : )

    F,%

    / (2)

    !!"# "#$$%$

    2550 2549 2550 2549 2550 2549

    '($)* (")("*'(!) (1)

    %& 20,212 41,609 4,407 41,605 1 44 1,249 %&'*+,.; 3,039 6,411 904 6,406 2 18 128 %&<

    - $==&!>[email protected]! A. - 307 - 305 20 - 61 - $!>[email protected]! A. 186 1 185 1 100 185 1

    %&$$ - $==&!>[email protected]! A. - 265 - 258 50 - 129 - $!>[email protected]! A. 181 19 180 19 100 180 19

    %&$$%$ - $==&!>[email protected]! A. - 856 - 827 100 - 827 - $!>[email protected]! A. 1,106 636 1,082 631 100 1,082 631

    24,724 50,104 6,758 50,052 1,509 3,045 $,"#%D==& - - - - 140 66

    " 24,724 50,104 6,758 50,052 1,649 3,111

    #$%& %& 1 - - - 1 - - %&<

    - $==&!>[email protected]! A. - - - - 20 - - - $!>[email protected]! A. 88 - 3 - 100 3 -

    %&$$%$ - $==&!>[email protected]! A. - - - - 100 - - - $!>[email protected]! A. 1 9 - - 100 - -

    " 90 9 3 - 3 -

    "'($)* 24,814 50,113 6,761 50,052 1,652 3,111

    (1) #$%/&'#$%*+'%$"#$%*+'%$,-"0$45+% (2) $6$7878##$%*+'%$89$ 7777*7:;# !". #$%###"$

    #,- #$%##"

  • 2 5 5 0 159 ( )

    F,%

    "#$$%$ % *!H

    2550 2549 2550 2549 2550 2549 2550 2549

    1. ;L!#

    "&& 320 414 193 140 89 - 118 116

    11.10

    31 2550 2549 () :-

    11.11

    31 2550 2549 (.) :-

    "#$$%$ % *!H

    2550 2549 2550 2549 2550 2549 2550 2549

    1. $''$M&% 5 5 42 42 - - 42 42 2. ;%&',' 2 4 32 45 47 52 - 3 %

    +,@%& &,@G 3. ;#!;%& 16 24 958 1,232 1,533 1,375 324 294

    H"&H< &

    ;%& ','&,@G

    4. ;L!# 788 656 2,854 3,132 2,429 3,349 1,157 949 "&&

    5. ;"$

    3 23 51 106 - 31 51 106 I;L &%

    \

    ( : ) H "#$$%$ "#$$

    & >[email protected] . %$!

    2550 2549 2550 2549 2550 2549

    301 299 301 299 301 299 7 9 - - - -

    308 308 301 299 301 299

    5 8

    306 307

    %&$$ %&<

    $=

    "#$$%$=

  • 160 2 5 5 0 ( )

    !"#$%&'()*+, -$

    - ./01 -2 3456 $7

    8"- &9:; &

  • 2 5 5 0 161 ( )

    13.

    ( : )

    F,%

    $N$$I& 31 A 2550

    '* $$ +,.; < $$ %$ =

    &N 1,248 128 62 148 1,458 66 3,110

    : %,(&)! N (1,204) (110) 126 32 230 74 (852) $# - - - - 3 - 3 : $& - - - - (256) - (256) E%

    E - - - - (353) - (353)

    &N 44 18 188 180 1,082 140 1,652

    ( : )

    F,%

    $N$$I& 31 A 2549

    '* $$ +,.; < $$ %$ =

    &N 2,164 173 91 179 1,069 66 3,742

    : %,(&)!

    N (916) (45) (29) (31) 463 - (558) : $& - - - - (74) - (74)

    &N 1,248 128 62 148 1,458 66 3,110

    ( : )

    F,%

    $N$$I& 31 A $N$$I& 31 A

    2550 2549 2550 2549

    &N 150 136 - -

    : %,!N - 40 - - : %&%!N (12) (20) - - E="#$$%$ (50) - - - E%

    &! (4) (6) - -

    &N 84 150 - -

  • 162 2 5 5 0 ( )

    ( : )

    F,%

    $N$$I& 31 A 2550 $N$$I& 31 A 2550

    &N ,* % &N &N ,* % &N

    ,@$=&%

    $,@ 6,630 122 (772) 5,980 3,132 54 (439) 2,747 $,@ 490 4,823 (4,483) 830 142 603 (677) 68 ,@$=&%

    K# %

    &&

    $,@ 1,998 421 (424) 1,995 275 177 (21) 431

    ,@$ 9,118 5,366 (5,679) 8,805 3,549 834 (1,137) 3,246

    : "#& (698) (220) 187 (731) (350) (110) 81 (379)

    ,@$ - $IA 8,420 5,146 (5,492) 8,074 3,199 724 (1,056) 2,867

    14. . :-

    15.

    2341/5&""I&'&

    "63/"78! (&" 0/ " & 8! 4*9: 9;< 9: 9;< 9: 9;< 9: 9;< 9: 9;:A< ?>;== 9 ;A A>:[email protected] ?>;;'(70)!C&4*)D [email protected]; A: A [email protected]< A=='(70 == 9; 9 ; =A 9'(70'EF =>=:@ =>:= ;== 9>=4* 9;>=; :>==A ;9=9

    2341/5&"4*

    "63/"78! (&" 0/ " & 8! 4*9: 9;< 9: 9;< 9: 9;< 9: 9;< 9: 9;9;; =>9= =>:;@ >

  • 2 5 5 0 163 ( )

    31 2550 14 8

    31 2550 450 () ( : 389 )

    16. ( : )

    H #H $I &

    & HI>@ , $

    I : 31 A 2549 241 216 2,073 179 12 2,721 K#, 220 161 454 56 63 954 E - 12 36 - (48) - % - - (69) (26) - (95)

    31 A 2550 461 389 2,494 209 27 3,580

    $#$$ : 31 A 2549 - 30 832 101 - 963 % - - (47) (18) - (65) $#$N - 15 333 26 - 374

    31 A 2550 - 45 1,118 109 - 1,272

    $IA : 31 A 2549 241 186 1,241 78 12 1,758

    31 A 2550 461 344 1,376 100 27 2,308

    $#!

    =&I $N$$I& 31 A 2549 308

    2550 374

  • 164 2 5 5 0 ( )

    31 2550 94 271 ( : 11 58 )

    ( : )

    F,%

    H #H $I &

    & HI>@ , $

    I : 31 A 2549 63 147 358 54 5 627 K#, - - 14 8 14 36 E - - 14 - (14) - % - - (299) (25) - (324)

    31 A 2550 63 147 87 37 5 339

    $#$$ : 31 A 2549 - 24 221 38 - 283 % - - (173) (15) - (188) $#$N - 7 13 4 - 24

    31 A 2550 - 31 61 27 - 119

    $IA : 31 A 2549 63 123 137 16 5 344

    31 A 2550 63 116 26 10 5 220

    $#!

    =&I $N$$I& 31 A 2549 76

    2550 24

  • 2 5 5 0 165 ( )

    17. -

    31 2550 47 ( : 0.2 )

    18.

    !"# $ %&'()*++,-!*. "# /&01$ -! ""#

    */234252 ,6"# +7 7( ''6 *-! 68 ('

    *9.&* + +

    /2:% ) (+ , (*-!5;*9.&*%&

  • 166 2 5 5 0 ( )

    19. 19.1

    19.2

    19.3

    ( : )

    F,%

    2550 2549 2550 2549

    %##' 419 366 - - ,@ 57,727 30,700 - - Q$! 3,440 8,792 - - %##$ - ='* 6 48,574 38,092 - - - 6 ='* 1 N 39,720 92,470 - - - 1 N*= 40,746 28,107 - -

    R 190,626 198,527 - -

    ( : )

    F,% 2550 2549 2550 2549

    = 1 N* 187,249 187,625 - - 1 N 3,377 10,902 - - R 190,626 198,527 - -

    * 7&&8#$+

    ( : )

    F,% 2550 2549 2550 2549

    - !. 189,998 198,527 - - . - !. 628 - - -

    190,626 198,527 - -

  • 2 5 5 0 167 ( )

    20. ()

    31 2550 12,500 () 2551 (2549 : 39,600 ) . 2551

    ( : )

    2550 2549

    #' #'

    %(E :

    AH.=H

    I,#TUVTG - 108 108 - 108 108

    A,>@ 4 - 4 1 - 1 A# - - - 1,300 - 1,300

    ;IH;,@ 1,903 505 2,408 212 56 268 $'# 816 1,426 2,242 520 2,310 2,830

    2,723 2,039 4,762 2,033 2,474 4,507

    !%(E : $I 7 - 7 - - -

    2,730 2,039 4,769 2,033 2,474 4,507

    ( : )

    F,%

    2550 2549 #' #'

    %(E : A,>@ - ; 12,500 - 12,500 39,600 - 39,600

    12,500 - 12,500 39,600 - 39,600

  • 168 2 5 5 0 ( )

    21.

    %.7:%';7%5? " 5C=% 2#" *1/(.)" .) 3: ! !

    2#"G.;

  • 2 5 5 0 169 ( )

    22.

    ! "#$ %

    $&'()! *+,-.!/001 .2 /001 /034 /001 /034 ()!$$

    5(6 - !78% .9$4:11 /00, ,;43+ -.9%2''-5 %

    5(.9$/:40 /00, ,;111 ,;111

    5(="9>[email protected]'-.#* AB'CD

    37$+:30

    /00+ +;41/ +;4E0 3;111 3;111

    6DD ()! .9$,,:0, /00+ 30 F/ G7 .9$3:/03:E1 /00/ H/00+ 3;/11 E;330 G7 ="9>[email protected]'

    -.#* AB'CD

    37$+:00

    /00/ ,;01 /;01

    G7 [email protected]@Q$

    1:301:3F

    /00+ F01 F01

    G6DDCA $3:3165 62-5!6

    62$$)

    /00, ,01 ,01

    G6DDCA ="9>[email protected]'-.#* AB'CD

    37$+:1

    /00/ 011 F;0E1 011 F;0E1

    ! ()!$$ ,,;13F /;0F0 3;011 ,/;F+1! ()! F;330 30;1+0 ,/;F+1 ,0;0

    ! "# ! "#$%&$%' ()(& *+ ! ++),$-&.& +"/ +#/ +* +/+ 012(345256(7(89$ +# # + +&417:(' ()(;' (9$6& + "#* 75?%5( *+ +* " /+&=9 $. ((& "!! ! # *(89$((-$%56(7(89$ [email protected]+ [email protected]* /* #$%(34525(89$(A !+ / "&=95?.& *" /$%5?. +* / # /+5?.B [email protected]*! //* #

    @*"" @/ ++ //#

    --------------- --------------- --------------- ---------------

  • 170 2 5 5 0 ( )

    23. / 2550 210

    31 2550 19,336 1 1

    30 2550 2549 0.50 667

    4 2550 0.30 400

    24. ()

    25. 116 .. 2535

    5 () 10

    31 2550 2550 137,509,148

    ( : )

    F,%

    2550 2549 2550 2549

    $I%

    HI :- I"# $ 32 22 - - $I 430 77 356 64 $%'#%

    & 36 45 - -

    $I; O A$=&$ 13 15 - -

    511 159 356 64

    $I%

    HI :- I"# $ (19) (55) - - $I (83) (254) (55) (130) $%'#%

    & (426) (616) - -

    (528) (925) (55) (130)

    $I($I)%

    H I (17) (766) 301 (66)

  • 2 5 5 0 171 ( )

    ( : )

    F,%

    2550 2549 2550 2549

    $H$$