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2556
( ) 1
SMALL IS
BEAUTIFUL
2556 2555
25,902
20,112
613
301
630
23,427
21,757
2,475
1,763
753
1,010
78
40
828
296
16
0.07
0.73
0.06
73.40
15.92
15.16
8.25
92.44
1.50
3.13
97.34
26,136
20,947
741
301
727
23,644
21,760
2,492
2,195
774
1,421
92
143
1,116
546
2
0.01
0.08
0.01
67.39
-
-
8.31
96.26
1.44
3.47
102.00
23,513
19,107
392
269
448
21,548
18,723
1,965
1,954
785
1,169
55
68
927
505
(121)
(0.53)
(6.82)
(0.59)
71.75
-
-
7.86
102.05
1.41
2.34
87.54
2
5,000.0 10,000.0 15,000.0 20,000.0 25,000.0-
20,946.925562555255425532552
100.0- 200.0 300.0 400.0 500.0 700.0 800.0600.0
102%88%
66%63%
74%
726.73.5%2.3%2.0%1.9%
2555255425532552
2556
2.1%
40.0 90.0 140.0
2556 1.82555255425532552
0.00% 5.00% 10.00% 15.00% 20.00%
2555 14.74%2554 12.05%
13.99%
2556 15.16% 15.92%0.76%
25532552 12.31%
1.00%0.00% 2.00% 3.00% 4.00% 5.00% 7.00%6.00%
5.72%2555255425532552
2556
2556
( ) 3
4
SMALL IS
EFFICIENCY
2556
( ) 5
SMALL IS
POWERFUL
6
SMALL IS
SMART
2556
( ) 7
SMALL IS
BIG
2556
SME
97
�“ �”
2556
( ) 9
2555
2556
540% 3,600 20
300
578 884 70%
5
Capital Adequacy Ratio (CAR) 15.9%
8.5% (NPL)
(Reserve Coverage Ratio) 81.1% 97.5%
2556
( ) ( )
( ) 11
2556
-
12
- ( ) - ( )
1 Mr.Winyou Chaiyawan
2 Mr.Roy Agustinus Gunara
3 . . Miss.Sanannart Kulpaisantham
4 Mr.Suchin Srisurangkul
5 Mr.Siriwat Quanchareonsap
6 Mr.Kittipant Sriwannawit
7 Mr.Pornthep Permpornpipat
8 Mr.Kamolphu Palephapong
9 Mr.David Jeffrey Stone
10 Mr.Kajhitphome Sudsok
11 Mrs.Kanitsri Boonyasartpun
12 Mrs.Sansanee Warke
13 . . Miss.Datchanee Musuwan
14 Mr.Surasak Sakrittiron -
15 . . Miss.Chanida Charnmanoon
16 Mrs.Phimolphan Kittusuwan
17 . . Miss.Achara Ruangchay
18 Mr.Dulyavit Intapantee
19 Mr.Rong Hirunpanich
20 . . Miss.Nara Sanghirundwathana
21 Mr.Chodok Theerawigasit 3
22 Mr.Somchai Raweeruengrong 5
23 Mr.Therawut Somboon 7
24 Mr.Bundit Charoenloet
25 Mr.Somyos Seangmaneesatien
26 Mrs.Jaruayporn Suwanasakorn
27 Mr.Sumit Sadsara
28 Mr.Visith Thanawanichakul
29 Mr.Wiboon Aroonreungsirilert
30 . . Miss.Pimonpun Ruckpanich
2556
( ) 13
14
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2556
( ) 15
* 15 2556
�• / �• /
29.30
�• ( ) ( )�• ( )�• ( )�• ( )�• ( )�• . . ( )
* 31 2555
�• ( ) / �• / �• Master of Management / �• Advance Management Program / Harvard Business School�• Bank of Thailand Program / Harvard University Graduate School of Business Administration
�• ( )�• ( )�• ( )
16
* 20 2556
�• ( ) / �• M.B.A (Finance) / University of Detroit, Michigan, USA
�• ( ) ( )�• ( )
�• ( ) / �• / �• Financial Analysis & Policy / IMF-Institute�• International Board & Director Seminar / Swedish Academy of Directors�• / �• Director Certification Program 23 / (IOD)�• Financial Institutions Governance Program (FGP) / (IOD)�• Audit Committee Program (ACP) / (IOD)
�• ( ) ( )�• ( ) ( )�• (SRO) ( )�• ( . . .) ( )�• ( )
2556
( ) 17
(Mr.Ranvir Dewan)
�• Bachelor of Commerce (Honors) / University of Delhi, India�• Member / Canadian Institution of Chartered Accountants (CA)�• Fellow / Institution of Chartered Accountants in England & Wales (FCA)�• Associate / Institution of Chartered Accountants in England & Wales (ACA)
�• Shriram City Union Finance Ltd. India ( )�• Bank BTPN, Indonesia ( )
�• ( ) / �• Master of International Management / American Graduate School of International Management-Arizona, USA�• Director Certification Program (DCP) / (IOD)�• Audit Committee Program (ACP) / (IOD)
�• ( )�• - ( )�• ( )�• ( )
18
�• /
�• ( )
�• ( ) / �• Master of Business Administration (MBA) / The Anderson School of UCLA�• Chartered Financial Analyst (CFA) / CFA Institute�• ( 15) /
29.30
�• . . ( )�• ( )�• ( ) ( )�• ( )�• ( )�• ( ) ( )
2556
( ) 19
(Mr.Roy Agustinus Gunara)
-
(Mr.Tan Choon-Hong)
�• BSC, Electronic Engineering / Drexel University�• MBA, FINANCE / University of Illinois
�• ( )
�• GCE �“A�” Level / Victoria Junior College�• Bachelor of Arts in Electrical & Electronics Engineering (1st Class Honors) / Cambridge University�• Master of Engineering (Distinction) / Cambridge University�• Chartered Financial Analyst (CFA) / CFA Institute
�• Northstar Advisor Pte Ltd ( )�• Nera Telecommunications Ltd ( )�• Asia Systems Ltd ( )�• Samudra Energy International Pte.Ltd ( )�• Samudra Energy Limited ( )�• Business Group of Asia Pacific Realty Ltd. ( )
20
* /
31 2556 31 2555
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( ) 25
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2 (General Deposit) (Structured Deposit)
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ATM
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2556
( ) 27
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( )
2556
( ) 29
2
516 3
4
1 19 2556 ( ) 2556
2 7 2556 5 240,000 PGS
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2556
( ) 31
2556 2557
2556 2.9 6.5 2555
2 2556
2556 0.2
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2557
2557 2557
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GDP ( : ) 11,375 11,897 12,769 12,599 ( ) 167,501 174,319 186,116 183,638
GDP ( : .) 366 385 399 388 ( . ) 5,389 5,647 5,816 5,650
GDP ( , %) 6.5 2.9 4.0-5.0 3.0-4.0 ( , %) 13.2 (1.9) 7.1 3.1 ( , %) 14.4 (2.8) 5.8 3.8
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: , 17 2557: 1/ 6 IMF
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2556
( ) 33
( ) 31 2556 2555
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115.0 93.4 21.6 23.1384.2 69.3 14.9 21.5072.9 53.2 19.7 37.03
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34
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23,643.7 21,548.2 2,095.5 9.72
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2,492.3 1,965.0 527.3 26.83- - - -
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2556
( ) 35
( ) 31 2556 2555 :
2556 2555�“ �” ( )
2,194.9 1,954.5 240.4 12.30774.4 785.6 (11.2) (1.43)
1,420.5 1,168.9 251.6 21.52
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( ) 37
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2556
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2556
( ) 39
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2556 Liquidity Risk Dashboard Risk Indicator Trigger Point
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2556
( ) 41
2556 Operation Risk Dashboard
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2556
( ) 43
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( ) 47
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7.8 21,148 49,077 22,042 13,789 33,227 10,728 7.9 114,961 93,410 90,841 103,769 82,975 83,364
7.10 84,179 69,349 45,270 83,289 69,297 45,2707.11 72,919 53,167 18,524 41,298 35,504 7,4177.12 179,603 127,314 226,833 133,853 82,171 202,781
26,136,038 23,513,195 21,822,051 25,902,460 22,862,334 21,529,670
( ) 31 2556
2556
( ) 61
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31 2556
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31 31 1 31 31 1 2556 2555 2555 2556 2555 2555
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46,245 59,252 67,455 46,245 59,252 67,455 7.15 14,500 184,500 3,339,104 14,500 34,500 3,290,519
7.16 29,687 51,875 41,199 16,183 37,537 28,770 7.17 301,812 344,134 307,501 267,320 280,480 200,327
23,643,676 21,548,189 20,239,752 23,427,230 20,925,592 19,968,464
7.18 300,000,000 10 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000 300,000,000 10 3,000,000 3,000,000
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62
:
2556 2555 2556 2555�“ �” �“ �”
7.26 2,194,860 1,954,479 1,762,620 1,595,481 7.27 774,356 785,594 752,598 767,631
1,420,504 1,168,885 1,010,022 827,850 7.28 133,761 89,232 106,630 66,966
7.28 41,867 34,120 28,785 22,971 91,894 55,112 77,845 43,995
( ) 7.29 (1,116) 450 (1,116) 450 - - 18,000 21,387
143,856 67,618 22,767 21,333 1,655,138 1,292,065 1,127,518 915,015
590,452 454,185 482,390 359,765 5,852 6,690 5,762 6,590 175,051 162,058 154,425 145,677 42,340 42,716 39,661 40,135 197,034 144,195 69,789 64,695 104,982 117,403 75,507 91,167
1,115,711 927,247 827,534 708,029 7.30 546,129 505,276 295,983 364,440
( ) (6,702) (140,458) 4,001 (157,454) - ( ) 7.32 8,496 19,244 11,532 29,068
( ) 1,794 (121,214) 15,533 (128,386)
( ) 31 2556
2556
( ) 63
:
2556 2555 2556 2555�“ �” �“ �”
( ) 1,481 4,903 1,481 4,903 30,472 - 27,212 - ( ) (6,390) (981) (5,738) (981)
( ) 25,563 3,922 22,955 3,922 ( ) 27,357 (117,292) 38,488 (124,464)
( )
1,794 (121,216) 15,533 (128,386)- 2 - -
1,794 (121,214) 15,533 (128,386)
( )
27,357 (117,294) 38,488 (124,464) - 2 - -
27,357 (117,292) 38,488 (124,464)
( )
( ) 0.01 (0.59) 0.06 (0.63) 7.18 275,753,425 204,644,809 275,753,425 204,644,809
( ) ( ) 31 2556
64
:
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( ) 31 2556
:
2556 2555 2556 2555
( ) (6,702) (140,458) 4,001 (157,454) ( )
( ) 539,425 491,296 289,279 350,460 ( ) 1,116 (450) 1,116 (450) (44,458) (28,617) (44,458) (28,617) ( ) 136,514 74,219 4,564 (2,334) 35,703 33,834 31,741 30,908 31 1,968 29 1,879 ( ) (75,993) (4,244) (28,621) 33,923 - 502 - 502 6,704 13,980 6,704 13,980 8,284 10,676 5,858 8,767 (1,420,504) (1,168,885) (1,010,022) (827,850) - - (18,000) (21,387) 2,194,410 1,576,562 1,750,683 1,612,224 (744,776) (747,070) (722,894) (727,644) - - - 21,387 5,808 4,623 5,808 4,623 (19,171) (25,939) (4,140) (2,511)
616,391 91,997 271,648 310,406
2556
( ) 67
( ) ( ) 31 2556
:
2556 2555 2556 2555 ( )
( ) 1,362,062 (1,102,185) 1,361,873 (1,103,931) (2,047,656) 148,150 (2,209,453) 219,329 (32,592) (97,011) 43,494 (54,088) (48,252) 96,828 (27,854) 116,608
( ) 3,037,695 4,124,712 2,958,850 4,199,707 (844,691) (142,777) (389,691) (67,277) (13,007) (8,203) (13,007) (8,203) (20,000) (3,224,603) (20,000) (3,256,019) (76,330) (4,328) (47,300) 30,681
( ) 1,933,620 (117,420) 1,928,560 387,213
(6,588,947) (3,471,914) (6,588,947) (3,471,914) 4,169,195 2,749,755 4,169,195 2,749,755 (48,010) (40,498) (43,091) (33,157) - 326 - 293 (19,899) (12,472) (18,945) (12,472)
(2,487,661) (774,803) (2,481,788) (767,495)
- 555,000 - - - (43,000) - - 500,000 500,000 500,000 500,000
(1) (2) - - 499,999 1,011,998 500,000 500,000
( ) (54,042) 119,775 (53,228) 119,718 1 570,063 450,288 569,196 449,478 31 516,021 570,063 515,968 569,196
68
1. 70 2. 70 3. 73 4. 80 5. 80 6. 92 7. 94 7.1 94 7.2 ( ) 94 7.3 95 7.4 96 7.5 96 7.6 106 7.7 108 7.8 109 7.9 111 7.10 115 7.11 117 7.12 119 7.13 120 7.14 ( ) 121 7.15 121
( ) 31 2556
7.16 122 7.17 123 7.18 123 7.19 124 7.20 124 7.21 124 7.22 125 7.23 126 7.24 127 7.25 130 7.26 130 7.27 130 7.28 131 7.29 ( ) 131 7.30 131 7.31 132 7.32 132 7.33 134 7.34 134 7.35 134
2556
( ) 69
1.
( ) 6 2513 28 2548 22 2549 18 2550
�“ ( )�” �“ ( )�” 123 10 17 25
41 121 10400
31 2556 31 2555 1 2555 25 17 15
6 2521 25 121/76 10400
2.
2.1 3 2553 1
( 2552)
2.2 31 2556 2555 1 2555
( )
31 31 1
2556 2555 2555
99.99 99.99 99.99
31 2556 2555 1 2555
( ) 31 2556
70
2.3
1 2556
12 1 2556 21 ( 2552) 1 2556 8 1 2556
21 - 1 2556 25 - 1 2556 1 2556
4
3.17 12 �“ �”
4
2556
1 2557
1 ( 2555) 7 ( 2555) 12 ( 2555) 17 ( 2555) 18 ( 2555) 19 ( 2555) 21 ( 2555)
2556
( ) 71
24 ( 2555) 28 ( 2555) 31 ( 2555) 34 ( 2555) 36 ( 2555) 38 ( 2555)
2 ( 2555) 3 ( 2555) 5 ( 2555) 8 ( 2555)
15 27 29 32 -
1 4 5 7 29
10 12 13 17 18
1 2559
4
72
3.
3.1
( )
3 2551
3 2551
3.2
1 2551
1 2551
2556
( ) 73
3.3
3 2553
3.4
( )
( )
( )
( )
( )
( )
( )
Settlement Date
74
3.5
3.6
3 2551
9 2552
2556
( ) 75
3.7
( ) ( )
3.8
3.9 ( )
10 3 - 5 5 5
3.10 ( )
( )
76
5
3.11
3 - 20
3.12
3.13 3.13.1 . . 2530
3.13.2
(Projected Unit Credit Cost Method)
2556
( ) 77
( ) ( )
3.14
3.15
3.16
Option Pricing Model (Binomial)
3.17 3.17.1
78
3.17.2
( )
3.18 ( ) ( ) ( )
3.19
2556
( ) 79
4.
31 2556 12 �“ �” ( 7.11 7.32) 31 2555
31 2555 1 2555
:
31 2555 1 2555 31 2555 1 2555
53,167 18,524 35,504 7,417
( ) (463) 518 (463) 518 - 53,629 18,006 35,967 6,898
:
31 2555
- 35,623 29,06835,623 29,068
( ) 0.17 0.14 ( ) 981 981
- 53,629 35,967 ( ) (463) (463)
5.
5.1 5.1.1
(Credit Risk)
(On Statement of Financial Position)
80
(Check and Balance) (Risk-based authority)
(Product Program)
5.1.2
Repricing Gap (Net Interest Income Sensitivity)
12
2556
( ) 81
31 2556 31 2555 1 2555
:
31 25560-3 3-12 1-5 5
3,753 - - - - 333,372 337,1252,179,114 1,397,989 883,981 38,494 - 5,514 4,505,092
* 12,229,382 2,224,181 4,912,871 853,784 726,652 - 20,946,870
16,403,011 4,212,267 1,144,974 - - - 21,760,252682,810 84,500 723,870 - - - 1,491,180
- - - - - 46,245 46,2451,200 13,300 - - - - 14,500
*
:
31 25550-3 3-12 1-5 5
1,438,658 21,433 5,251 - - 233,845 1,699,187978,070 918,038 120,376 20,000 - 4,033 2,040,517
* 11,390,445 2,171,448 4,879,435 217,845 447,578 - 19,106,751
13,490,655 4,881,242 350,660 - - - 18,722,557974,305 375,000 836,566 - - - 2,185,871
- - - - - 59,252 59,252145,000 25,000 14,500 - - - 184,500
*
82
:
1 25550-3 3-12 1-5 5
224,416 48,382 33,964 - - 290,240 597,002618,929 649,932 16,187 210 - (870) 1,284,388
* 12,794,902 1,896,346 4,130,225 17,640 385,185 - 19,224,298
11,576,178 1,965,300 1,056,367 - - - 14,597,8451,557,648 15,000 314,000 - - - 1,886,648
- - - - - 67,455 67,4551,462,659 1,851,945 24,500 - - - 3,339,104
*
:
31 25560-3 3-12 1-5 5
3,753 - - - - 331,483 335,2362,179,114 1,397,989 883,981 38,494 - 5,514 4,505,092
* 12,450,117 2,012,892 4,165,450 853,784 629,671 - 20,111,914
16,399,561 4,212,267 1,144,974 - - - 21,756,802525,310 77,000 723,870 - - - 1,326,180
- - - - - 46,245 46,2451,200 13,300 - - - - 14,500
*
2556
( ) 83
:
31 25550-3 3-12 1-5 5
1,439,330 21,433 5,251 - - 231,095 1,697,109978,070 918,038 120,376 20,000 - 4,033 2,040,517
* 11,205,787 1,875,460 4,207,649 217,844 410,383 - 17,917,123
13,566,050 4,881,242 350,660 - - - 18,797,952569,305 310,000 836,566 - - - 1,715,871
- - - - - 59,252 59,25210,000 10,000 14,500 - - - 34,500
*
:
1 25550-3 3-12 1-5 5
220,592 48,382 33,964 - - 290,240 593,178618,929 649,932 16,187 210 - (870) 1,284,388
* 12,759,083 1,565,500 3,667,777 17,640 369,354 - 18,379,354
11,576,578 1,965,300 1,056,367 - - - 14,598,2451,454,148 15,000 314,000 - - - 1,783,148
- - - - - 67,455 67,4551,414,074 1,851,945 24,500 - - - 3,290,519
*
31 2556 31 2555 1 2555
:
31 31 1 31 31 1
2556 2555 2555 2556 2555 2555
9,688,067 9,019,472 7,943,278 8,519,394 7,422,243 7,078,58711,258,803 10,087,279 11,281,020 11,592,520 10,494,880 11,300,76720,946,870 19,106,751 19,224,298 20,111,914 17,917,123 18,379,354
84
31 2556 2555
2556
(12 )
( ) ( ) ( )
1,604,051 54,189 3.38 3,228,423 92,394 2.86 19,548,578 2,048,277 10.48
20,874,331 638,218 3.06 1,474,648 33,960 2.30 83,966 1,030 1.23
2555
(12 )
( ) ( ) ( )
454,702 17,219 3.79 1,621,537 47,670 2.94 19,849,342 1,889,590 9.52
17,677,421 602,441 3.41 1,631,218 49,373 3.03 1,248,663 45,968 3.68
2556
( ) 85
2556
(12 )
( ) ( ) ( )
1,604,051 54,189 3.38 3,228,423 92,394 2.86 18,497,206 1,616,037 8.74
20,874,776 638,493 3.06 1,447,246 11,927 0.82 24,084 1,030 4.28
2555
(12 )
( ) ( ) ( )
454,476 17,217 3.79 1,621,537 47,670 2.94 18,841,689 1,530,594 8.12
17,677,792 602,517 3.41 1,536,240 31,058 2.02 1,172,672 46,244 3.94
5.1.3
5.1.4
3.4
86
5.1.5
31
2556 31 2555 1 2555
:
31 2556
0-3 3-12 1-5 5
333,407 3,753 - 2 - (37) 337,125 - 2,179,114 1,397,989 883,981 38,494 5,514 4,505,092 * 390,623 1,040,638 1,108,303 6,876,093 11,531,213 - 20,946,870
14,861,024 1,541,987 4,212,267 1,144,974 - - 21,760,252 518,310 164,500 84,500 723,870 - - 1,491,180 46,245 - - - - - 46,245 - 1,200 13,300 - - - 14,500
*
:
31 2555
0-3 3-12 1-5 5
233,435 1,439,236 21,433 5,083 - - 1,699,187 - 977,572 918,038 120,874 20,000 4,033 2,040,517 * 281,363 2,295,790 2,708,923 4,524,429 9,296,246 - 19,106,751
12,977,806 3,657,656 1,828,548 258,547 - - 18,722,557479,305 495,000 375,000 836,566 - - 2,185,87159,252 - - - - - 59,2521,000 144,000 25,000 14,500 - - 184,500
*
2556
( ) 87
:
1 2555
0-3 3-12 1-5 5
295,067 200,030 34,905 67,000 - - 597,002 - 618,929 649,932 16,187 210 (870) 1,284,388 * 437,105 1,482,926 732,247 7,060,863 9,511,157 - 19,224,298
3,690,007 7,218,745 2,564,615 1,124,478 - - 14,597,845 477,253 1,080,395 15,000 314,000 - - 1,886,648 67,455 - - - - - 67,455 37,862 1,424,797 1,851,945 24,500 - - 3,339,104
*
:
31 2556
0-3 3-12 1-5 5
331,518 3,753 - 2 - (37) 335,236- 2,179,114 1,397,989 883,981 38,494 5,514 4,505,092
* 387,346 1,264,650 897,015 6,031,690 11,531,213 - 20,111,914
14,857,573 1,541,988 4,212,267 1,144,974 - - 21,756,802518,310 7,000 77,000 723,870 - - 1,326,18046,245 - - - - - 46,245
- 1,200 13,300 - - 14,500
*
88
:
31 2555
0-3 3-12 1-5 5
231,358 1,439,330 21,432 4,989 - - 1,697,109- 977,572 918,038 120,874 20,000 4,033 2,040,517
* 376,784 1,401,663 616,274 6,226,156 9,296,246 - 17,917,123
12,975,201 3,735,656 1,828,548 258,547 - - 18,797,952479,305 90,000 310,000 836,566 - - 1,715,87159,252 - - - - - 59,2521,000 9,000 10,000 14,500 - - 34,500
*
:
1 2555
0-3 3-12 1-5 5
291,244 200,030 34,904 67,000 - - 593,178- 499,100 769,762 16,186 210 (870) 1,284,388
* 433,243 1,607,596 585,904 6,241,454 9,511,157 - 18,379,354
8,327,048 3,249,530 1,965,300 1,056,367 - - 14,598,245477,253 976,895 15,000 314,000 - - 1,783,14867,455 - - - - - 67,45537,862 1,376,212 1,851,945 24,500 - - 3,290,519
*
2556
( ) 89
5.2 31 2556 31 2555 1 2555
:
31 2556 31 2555 1 2555
516,021 516,021 570,063 570,063 450,288 450,288337,125 337,125 1,699,187 1,699,187 597,002 597,002
4,505,092 4,505,092 2,040,517 2,040,517 1,284,388 1,284,38820,315,490 20,315,490 18,811,111 18,811,111 19,086,863 19,086,863
21,760,252 21,760,252 18,722,557 18,722,557 14,597,845 14,597,8451,491,180 1,491,180 2,185,871 2,185,871 1,886,648 1,886,648
46,245 46,245 59,252 59,252 67,455 67,45514,500 14,500 184,500 184,500 3,339,104 3,339,104
:
31 2556 31 2555 1 2555
515,968 515,968 569,196 569,196 449,478 449,478335,236 335,236 1,697,109 1,697,109 593,178 593,178
4,505,092 4,505,092 2,040,517 2,040,517 1,284,388 1,284,38819,598,670 19,598,670 17,680,843 17,680,843 18,281,571 18,281,571
21,756,802 21,756,802 18,797,952 18,797,952 14,598,245 14,598,2451,326,180 1,326,180 1,715,871 1,715,871 1,783,148 1,783,148
46,245 46,245 59,252 59,252 67,455 67,45514,500 14,500 34,500 34,500 3,290,519 3,290,519
( ) 3.4
90
5.3 5.3.1
(Basel II) 8 2555 Basel III Basel Committee on Banking Supervision (BCBS) 1 2556 1 2562 1 2556 31 2558 8.5 1 6 1 4.5
Basel II 8.5 1 6.0
31 2556 31 2555 1 2555
:
31 31 1
2556 2555 2555
Basel III Basel II Basel II
1
3,000,000 2,500,000 2,000,0002,300 2,300 2,300
(586,678) (442,768) (502,824) 1
- (160,607) -(41,298) - -
1 2,374,324 1,898,925 1,499,476
2
120,140 143,053 81,738 2 120,140 143,053 81,738
2,494,464 2,041,978 1,581,214
2556
( ) 91
31 31 1
2556 2555 2555
Basel III Basel II Basel II
( 8.50) 15.92 15.86 12.71 1 ( 4.50) 15.16 14.74 12.05
5.3.2
www.tcrbank.com 31 2556 30 2556
6.
6.1
6.2
92
6.3
6.4
6.5
6.6
2556
( ) 93
7.
7.1 31 2556 2555
:
2556 2555 2556 2555
1,481 4,903 1,481 4,90319,438 22,499 19,438 22,499
2,675 1,213 2,675 1,2131,893 8,610 1,893 8,6102,292 7,330 2,292 7,330
7.2 ( ) 31 2556 31 2555 1 2555
:
31 2556 31 2555 1 2555
270,910 - 270,910 191,401 380,000 571,401 259,946 200,000 459,94662,497 - 62,497 842,034 - 842,034 35,121 - 35,121
- - - 250,000 - 250,000 - - -- 3,753 3,753 - 35,342 35,342 - 102,909 102,909
333,407 3,753 337,160 1,283,435 415,342 1,698,777 295,067 302,909 597,976 - 2 2 - 763 763 - 55 55
- (37) (37) - (353) (353) - (1,029) (1,029)333,407 3,718 337,125 1,283,435 415,752 1,699,187 295,067 301,935 597,002
:
31 2556 31 2555 1 2555
270,910 - 270,910 191,401 380,000 571,401 259,946 200,000 459,94660,608 - 60,608 839,957 - 839,957 31,298 - 31,298
- - - 250,000 - 250,000 - - -- 3,753 3,753 - 35,342 35,342 - 102,908 102,908
331,518 3,753 335,271 1,281,358 415,342 1,696,700 291,244 302,908 594,152 - 2 2 - 762 762 - 55 55
- (37) (37) - (353) (353) - (1,029) (1,029)331,518 3,718 335,236 1,281,358 415,751 1,697,109 291,244 301,934 593,178
94
7.3 31 2556 31 2555 1 2555
:
31 31 1
2556 2555 2555
4,264,168 2,018,078 1,282,458200,504 20,511 -
4,464,672 2,038,589 1,282,458
/ / /
38,700 208 21038,700 208 210
1,720 1,720 1,7201,720 1,720 1,720
4,505,092 2,040,517 1,284,388
31 2556 31 2555 1 2555 ( 7.20)
2556
( ) 95
7.4 31 2556 31 2555 1 2555
:
31 31 1
2556 2555 2555
( ) ( ) ( )
99.99 571,495 571,495 571,495
571,495 571,495 571,495
7.5 31 2556 31 2555 1 2555
7.5.1
:
31 31 1 31 31 1
2556 2555 2555 2556 2555 2555
221,429 176,375 210,829 221,429 176,374 230,57612,571,997 11,003,431 11,821,729 12,571,997 11,003,431 11,821,729
377,908 456,754 658,281 1,105,608 636,754 777,7818,287,320 7,939,830 6,825,746 6,194,662 6,067,394 5,508,266
19,823 36,836 45,164 19,823 36,836 45,16421,478,477 19,613,226 19,561,749 20,113,519 17,920,789 18,383,516
(531,607) (506,475) (337,451) (1,605) (3,666) (4,162)20,946,870 19,106,751 19,224,298 20,111,914 17,917,123 18,379,354
99,286 96,602 116,252 99,668 96,674 117,613
21,046,156 19,203,353 19,340,550 20,211,582 18,013,797 18,496,967
. (495,208) (242,340) (203,762) (388,231) (192,051) (178,377)(225,621) (136,268) (49,925) (204,343) (127,269) (37,019)
20,325,327 18,824,745 19,086,863 19,619,008 17,694,477 18,281,571 (20,337) (13,634) - (20,337) (13,634) -
20,304,990 18,811,111 19,086,863 19,598,671 17,680,843 18,281,571
31 2555 325.62 20 2555
96
7.5.2
:
31 31 1 31 31 1
2556 2555 2555 2556 2555 2555
- 20,946,870 19,106,751 19,224,298 20,111,914 17,917,123 18,379,354* 20,946,870 19,106,751 19,224,298 20,111,914 17,917,123 18,379,354
*
7.5.3 :
31 2556
44,869 2,667 - 150 - 47,6862,484,956 165,094 14,414 32,006 31,683 2,728,1531,177,390 68,608 2,622 - 22,821 1,271,4411,153,271 125,675 2,197 5,574 47,974 1,334,6915,029,065 380,707 75,283 68,830 64,613 5,618,4988,657,054 930,862 185,035 94,851 78,599 9,946,401
* 18,546,605 1,673,613 279,551 201,411 245,690 20,946,870
*
:
31 2555
2,715 - - - - 2,7151,097,947 17,289 20,406 - 10,006 1,145,648
876,508 5,330 2,836 13,382 75,620 973,676321,208 21,557 - - 50,396 393,161
5,689,115 296,459 64,826 14,506 10,971 6,075,8779,693,008 638,037 111,825 48,241 24,563 10,515,674
* 17,680,501 978,672 199,893 76,129 171,556 19,106,751
*
2556
( ) 97
:
1 2555
3,400 - - - - 3,4001,071,640 23,957 3,410 17,075 8,614 1,124,696
757,439 75,133 - - 31,001 863,573172,013 126,004 - - 1,087 299,104
6,391,119 343,199 25,929 93,628 92,708 6,946,5839,467,238 407,971 33,633 46,775 31,325 9,986,942
* 17,862,849 976,264 62,972 157,478 164,735 19,224,298
*
:
31 2556
44,869 2,667 - 150 - 47,6862,484,956 165,094 14,414 32,006 31,683 2,728,1531,177,390 68,608 2,622 - 22,821 1,271,4411,153,271 125,675 2,197 5,574 47,974 1,334,6915,029,065 380,707 75,283 68,830 64,613 5,618,4988,180,758 669,183 93,402 89,510 78,592 9,111,445
* 18,070,309 1,411,934 187,918 196,070 245,683 20,111,914
*
:
31 2555
2,715 - - - - 2,7151,097,947 17,289 20,406 - 10,006 1,145,648
876,508 5,330 2,836 13,382 75,620 973,676321,208 21,557 - - 50,396 393,161
5,689,115 296,458 64,826 14,506 10,972 6,075,8778,697,504 481,109 75,960 46,911 24,562 9,326,046
* 16,684,997 821,743 164,028 74,799 171,556 17,917,123
*
98
:
1 2555
3,400 - - - - 3,4001,071,640 23,957 3,410 17,075 8,614 1,124,696
757,439 75,134 - - 31,001 863,574172,013 126,004 - - 1,087 299,104
6,391,119 343,199 25,929 93,628 92,708 6,946,5838,765,708 280,387 18,380 46,211 31,311 9,141,997
* 17,161,319 848,681 47,719 156,914 164,721 18,379,354
*
7.5.4 31 2556 31 2555 1 2555
( .)
:
31 2556
( )
1. .18,636,740 5,760,838 1 57,5251,682,764 701,674 2 13,995
279,551 189,279 100 188,060201,411 116,449 100 116,182245,690 119,552 100 119,446
21,046,156 6,887,792 495,2082. 225,621
* 720,829
*
2556
( ) 99
:
31 2555
( )
1. .17,769,467 5,447,898 1 54,479
986,308 477,033 2 9,532199,893 111,420 100 111,42076,129 34,765 100 34,765
171,556 32,144 100 32,14419,203,353 6,103,260 242,340
2. 136,268* 378,608
*
:
1 2555
( )
1. .17,971,628 5,073,265 1 50,732
983,737 277,957 2 5,55962,972 30,350 100 30,350
157,478 58,114 100 58,114164,735 59,007 100 59,007
19,340,550 5,498,693 203,7622. 49,925
* 253,687
*
100
:
31 2556
( )
1. .18,160,826 5,284,542 1 52,7621,421,085 439,995 2 8,762
187,918 97,646 100 96,427196,070 111,107 100 110,839245,683 119,546 100 119,441
20,211,582 6,052,836 388,2312. 204,343
* 592,574
*
:
31 2555
( )
1. .16,774,035 4,452,394 1 44,523
829,379 320,104 2 6,393164,028 75,556 100 75,55674,799 33,435 100 33,435
171,556 32,144 100 32,14418,013,797 4,913,633 192,051
2. 127,269* 319,320
*
2556
( ) 101
:
1 2555
( )
1. .17,271,459 4,373,096 1 43,731
856,154 150,374 2 3,00747,719 15,098 100 15,098
156,914 57,549 100 57,549164,721 58,992 100 58,992
18,496,967 4,655,109 178,3772. 37,019
* 215,396
*
7.5.5 31 2556 31 2555 1 2555
. 31/2551 3 2551
31 31 1
2556 2555 2555
( ) 726,652 447,578 385,185 (%) 3.47 2.34 2.00
( ) 301,091 269,249 237,715 (%) 1.44 1.41 1.24
102
31 31 1
2556 2555 2555
( ) 629,671 410,383 369,354 (%) 3.13 2.29 2.01
( ) 301,091 269,249 237,715 (%) 1.50 1.50 1.29
7.5.6 31 2556 31 2555 1 2555
31 2556 31 2555 1 2555
( )
( )
( )
411 1,123,127 408 770,802 163 431,31874,446 20,946,870 69,250 19,106,751 53,731 19,224,298
31 2556 31 2555 1 2555
( )
( )
( )
411 1,123,127 408 770,802 163 431,31826,240 20,111,914 27,403 17,917,123 23,375 18,379,354
2556
( ) 103
31 2556 31 2555 1 2555 14.05 14.47 18.8
31 2556 2555 57.11 36.3
31 2556 31 2555 1 2555
:
31 31 1
2556 2555 2555
592,306 522,225 144,358354,393 93,097 188,47140,010 56,830 22,08325,561 2,974 46,53488,946 87,616 25,586
1,101,216 762,742 427,032
7.5.7 ( ) :
31 2556
1 1-5 5
2,999,918 5,307,225 - 8,307,143 (35,130) (496,477) - (531,607)
2,964,788 4,810,748 - 7,775,536 (335,897)
7,439,639
104
:
31 2555
1 1-5 5
2,432,431 5,544,192 43 7,976,666 (30,021) (476,366) - (506,387)
2,402,410 5,067,826 43 7,470,279 (165,111)
7,305,168
:
1 2555
1 1-5 5
2,016,567 4,852,465 1,878 6,870,910 (20,735) (316,538) - (337,273)
1,995,832 4,535,927 1,878 6,533,637 (100,522)
6,433,115
:
31 2556
1 1-5 5
2,675,939 3,538,546 - 6,214,485 (1,040) (566) - (1,606)
2,674,899 3,537,980 - 6,212,879 (207,642)
6,005,237
2556
( ) 105
:
31 2555
1 1-5 5
2,166,035 3,938,152 43 6,104,230 (1,959) (1,620) - (3,579)
2,164,076 3,936,532 43 6,100,651 (105,823)
5,994,828
:
1 2555
1 1-5 5
1,833,116 3,718,436 1,878 5,553,430 (2,065) (1,918) - (3,983)
1,831,051 3,716,518 1,878 5,549,447 (62,231)
5,487,216
7.6 31 2556 31 2555 1 2555
:
31 2556
54,479 9,532 111,420 34,765 32,144 136,268 378,608 ( ) 3,299 5,617 209,549 134,817 97,106 89,353 539,741
(253) (1,154) (132,909) (53,400) (9,804) - (197,520)57,525 13,995 188,060 116,182 119,446 225,621 720,829
106
:
31 2555
50,732 5,559 30,350 58,114 59,007 49,925 253,687 ( ) 3,936 3,986 123,501 116,854 110,348 133,348 491,973
(185) - (26,336) (72,700) (64,170) - (163,391)(4) (13) (16,095) (67,503) (73,041) (47,005) (203,661)
54,479 9,532 111,420 34,765 32,144 136,268 378,608
:
1 2555
37,277 5,650 47,875 36,699 30,514 16,392 174,407 ( ) 13,616 (91) 64,258 36,052 38,937 33,533 186,305
(161) - (81,783) (14,637) (10,444) - (107,025)50,732 5,559 30,350 58,114 59,007 49,925 253,687
:
31 2556
44,523 6,393 75,556 33,435 32,144 127,269 319,320 ( ) 8,492 3,522 21,871 81,549 97,086 77,074 289,594
(253) (1,153) (1,000) (4,145) (9,789) - (16,340) 52,762 8,762 96,427 110,839 119,441 204,343 592,574
2556
( ) 107
:
31 2555
43,731 3,007 15,098 57,549 58,992 37,019 215,396 ( ) 982 3,399 78,540 59,485 71,476 137,254 351,136
(185) - (1,987) (16,097) (25,283) - (43,552)(5) (13) (16,095) (67,502) (73,041) (47,004) (203,660)
44,523 6,393 75,556 33,435 32,144 127,269 319,320
:
1 2555
31,873 3,798 20,262 31,268 30,514 7,192 124,907 ( ) 12,019 (791) (2,949) 32,157 38,522 29,827 108,785
(161) - (2,215) (5,876) (10,044) - (18,296)43,731 3,007 15,098 57,549 58,992 37,019 215,396
7.7 31 2556 31 2555 1 2555
:
31 31 1
2556 2555 2555
13,634 - -6,703 13,980 -
- (346) - 20,337 13,634 -
108
7.8 31 2556 31 2555 1 2555
:
2556
1
31
4,749 - - 4,74989,514 437,161 (493,850) 32,82594,263 437,161 (493,850) 37,574
(45,186) (181,576) 210,336 (16,426) 49,077 255,585 (283,514) 21,148
:
2555
1
31
4,749 - - 4,74925,599 342,149 (278,234) 89,51430,348 342,149 (278,234) 94,263
(8,306) (155,133) 118,253 (45,186) 22,042 187,016 (159,981) 49,077
2556
( ) 109
:
2556
1
31
4,750 - - 4,75063,553 161,606 (205,101) 20,05868,303 161,606 (205,101) 24,808
(35,076) (65,315) 89,372 (11,019) 33,227 96,291 (115,729) 13,789
:
2555
1
31
4,750 - - 4,7509,465 109,020 (54,932) 63,553
14,215 109,020 (54,932) 68,303 (3,487) (64,685) 33,096 (35,076)
10,728 44,335 (21,836) 33,227
31 2556 31 2555 1 2555
110
7.9
3
1 2
556
31
255
5 1
2
555
:
2556
1
//
31
1
//
31
62,0
3215
,802
-77
,834
(18,
905)
(6,6
88)
-(2
5,59
3)52
,241
95,5
3214
,706
(182
)11
0,05
6(6
2,95
4)(1
1,70
6)15
7(7
4,50
3)35
,553
76,1
6220
,754
-96
,916
(58,
973)
(11,
138)
-(7
0,11
1)26
,805
1,68
8-
-1,
688
(1,1
72)
(154
)-
(1,3
26)
362
-31
8(3
18)
--
--
--
235,
414
51,5
80(5
00)
286,
494
(142
,004
)(2
9,68
6)15
7(1
71,5
33)
114,
961
31
255
629
,686
2556
( ) 111
:
2555
1
//
31
1
//
31
52,4
5613
,131
(3,5
55)
62,0
32(1
4,59
5)(5
,971
)1,
661
(18,
905)
43,1
2776
,915
20,9
32(2
,315
)95
,532
(53,
044)
(10,
639)
729
(62,
954)
32,5
7871
,588
7,91
3(3
,339
)76
,162
(51,
674)
(10,
635)
3,33
6(5
8,97
3)17
,189
1,59
890
-1,
688
(842
)(3
30)
-(1
,172
)51
68,
439
1,36
7(9
,806
)-
--
--
-21
0,99
643
,433
(19,
015)
235,
414
(120
,155
)(2
7,57
5)5,
726
(142
,004
)93
,410
31
255
527
,575
31
2556
31
25
55
1 25
55
97.
90
75.
77
1
9.92
112
:
2556
1
//
31
1
//
31
62,0
3215
,802
-77
,834
(18,
905)
(6,6
88)
-(2
5,59
3)52
,241
80,9
0212
,097
(180
)92
,819
(57,
731)
(8,6
11)
152
(66,
190)
26,6
2974
,605
18,7
62-
93,3
67(5
7,92
8)(1
0,54
0)-
(68,
468)
24,8
9921
7,53
946
,661
(180
)26
4,02
0(1
34,5
64)
(25,
839)
152
(160
,251
)10
3,76
9
31
255
625
,839
2556
( ) 113
:
2555
1
//
31
1
//
31
52,4
5613
,131
(3,5
55)
62,0
32(1
4,59
5)(5
,971
)1,
661
(18,
905)
43,1
2767
,273
15,4
67(1
,838
)80
,902
(49,
677)
(8,4
06)
352
(57,
731)
23,1
7170
,449
7,49
3(3
,337
)74
,605
(50,
981)
(10,
283)
3,33
6(5
7,92
8)16
,677
8,43
9-
(8,4
39)
--
--
--
198,
617
36,0
91(1
7,16
9)21
7,53
9(1
15,2
53)
(24,
660)
5,34
9(1
34,5
64)
82,9
75
31
255
524
,660
31
255
6 3
1 2
555
1
255
5
95
.91
74.
92
1
9.03
114
7.10 31 2556 31 2555 1 2555
:
2556
1
31
66,121 10,820 - 76,941 32,621 - - 32,621
18,415 14,193 (4,251) 28,357117,157 25,013 (4,251) 137,919
(47,808) (5,932) - (53,740)(47,808) (5,932) - (53,740)
69,349 84,179
31 2556 5,932
:
2555
1
31
55,814 10,779 (472) 66,121 32,621 - - 32,621
- 26,939 (8,524) 18,41588,435 37,718 (8,996) 117,157
(43,165) (4,643) - (47,808)(43,165) (4,643) - (47,808)
45,270 69,349
31 2555 4,643
2556
( ) 115
:
2556
1
31
66,069 9,865 - 75,934 32,621 - - 32,621
18,414 14,193 (4,251) 28,356117,104 24,058 (4,251) 136,911
(47,807) (5,815) - (53,622)(47,807) (5,815) - (53,622)
69,297 83,289
31 2556 5,815
:
2555
1
31
55,814 10,727 (472) 66,069 32,621 - - 32,621
- 26,939 (8,525) 18,41488,435 37,666 (8,997) 117,104
(43,165) (4,642) - (47,807)(43,165) (4,642) - (47,807)
45,270 69,297
31 2555 4,642
31 2556 31 2555 1 2555 40.43 36.67 17.40
116
7.11 31 2556 31 2555 1 2555
:
31 31 1 31 31 1
2556 2555 2555 2556 2555 2555
82,348 62,666 27,836 50,727 45,003 16,729(9,429) (9,499) (9,312) (9,429) (9,499) (9,312)
( ) 72,919 53,167 18,524 41,298 35,504 7,417
:
2556
1 2556 ( )
31 2556
43,251 29,675 - 72,9269,037 (5,752) - 3,285
10,375 1,658 (6,094) 5,9393 - 195 198
62,666 25,581 (5,899) 82,348
(9,031) 592 - (8,439) (3) (29) - (32)
(465) - (493) (958)(9,499) 563 (493) (9,429)
2556
( ) 117
:
2555
1 2555
( )
31 2555
17,121 26,130 - 43,2511,661 7,376 - 9,037
281 (281) - -8,240 2,135 - 10,375
533 - (530) 327,836 35,360 (530) 62,666
(9,297) 266 - (9,031) - (3) - (3)
(15) - (450) (465)(9,312) 263 (450) (9,499)
:
2556
1 2556
( )
31 2556
30,479 14,608 - 45,0877,015 (4,811) - 2,2047,507 1,172 (5,441) 3,238
2 - 196 19845,003 10,969 (5,245) 50,727
(9,031) 592 - (8,439) (3) (29) - (32)
(465) - (493) (958)(9,499) 563 (493) (9,429)
118
:
2555
1 2555
( )
31 2555
9,464 21,015 - 30,479697 6,318 - 7,015
281 (281) - -5,754 1,753 - 7,507
533 - (531) 216,729 28,805 (531) 45,003
(9,297) 266 - (9,031) - (3) - (3)
(15) - (450) (465)(9,312) 263 (450) (9,499)
7.12 31 2556 31 2555 1 2555
:
31 31 1 31 31 1
2556 2555 2555 2556 2555 2555
13,119 14,322 16,697 13,033 14,186 16,69720,898 10,267 9,158 37,497 9,478 9,3467,861 5,231 879 7,382 1,695 8731,358 1,774 1,261 1,358 1,774 1,261
23,042 17,882 12,976 21,478 16,387 11,7826,610 16,677 131,740 - - 123,337
33,882 27,606 13,547 11,295 7,878 2,13872,833 33,555 40,575 41,810 30,773 37,347
179,603 127,314 226,833 133,853 82,171 202,781
2556
( ) 119
7.13 31 2556 31 2555 1 2555 7.13.1
:
31 31 1 31 31 1
2556 2555 2555 2556 2555 2555
50,279 70,031 34,225 46,829 67,426 34,34114,810,745 12,907,776 8,292,423 14,810,745 12,907,776 8,292,7076,899,228 5,744,750 6,271,197 6,899,228 5,822,750 6,271,197
21,760,252 18,722,557 14,597,845 21,756,802 18,797,952 14,598,245
7.13.2 :
31 2556 31 2555 1 2555
21,760,252 - 21,760,252 18,722,557 - 18,722,557 14,597,845 - 14,597,84521,760,252 - 21,760,252 18,722,557 - 18,722,557 14,597,845 - 14,597,845
:
31 2556 31 2555 1 2555
21,756,802 - 21,756,802 18,797,952 - 18,797,952 14,598,245 - 14,598,24521,756,802 - 21,756,802 18,797,952 - 18,797,952 14,598,245 - 14,598,245
120
7.14 ( ) 31 2556 31 2555 1 2555
:
31 2556 31 2555 1 2555
- 715,370 715,370 - 814,066 814,066 - - -107 165,000 165,107 719 470,000 470,719 3 203,500 203,503
- 22,500 22,500 - 22,500 22,500 - 814,000 814,000518,203 70,000 588,203 478,586 400,000 878,586 477,250 391,895 869,145518,310 972,870 1,491,180 479,305 1,706,566 2,185,871 477,253 1,409,395 1,886,648
:
31 2556 31 2555 1 2555
- 715,370 715,370 - 814,066 814,066 - - -107 - 107 719 - 719 3 100,000 100,003
- 22,500 22,500 - 22,500 22,500 - 814,000 814,000518,203 70,000 588,203 478,586 400,000 878,586 477,250 391,895 869,145518,310 807,870 1,326,180 479,305 1,236,566 1,715,871 477,253 1,305,895 1,783,148
7.15 31 2556 31 2555 1 2555
:
31 2556 31 2555 1 2555
14,500 - 14,500 184,500 - 184,500 3,339,104 - 3,339,10414,500 - 14,500 184,500 - 184,500 3,339,104 - 3,339,104
31 2556 31 2555 1 2555 4.00 - 4.25 0.85 - 4.40 0.85 - 5.10
2557 2557 2556 2557 2555 2557
2556
( ) 121
:
31 2556 31 2555 1 2555
14,500 - 14,500 34,500 - 34,500 3,290,519 - 3,290,51914,500 - 14,500 34,500 - 34,500 3,290,519 - 3,290,519
31 2556 31 2555 1 2555 4.00 - 4.25 0.85 - 4.40 0.85 - 4.50
2557 2557 2556 2557 2555 2557
7.16
:
31 31 1 31 31 1
2556 2555 2555 2556 2555 2555
51,875 41,199 34,652 37,537 28,770 23,9107,451 9,178 5,423 5,431 7,765 4,165
833 1,498 1,124 427 1,002 695( )
(30,472) - - (27,212) - -
29,687 51,875 41,199 16,183 37,537 28,770
:
2556 2555 2556 2555
7,451 9,178 5,431 7,765833 1,498 427 1,002
8,284 10,676 5,858 8,767
122
31 2556 31 2555 1 2555
31 31 1 31 31 1
2556 2555 2555 2556 2555 2555
( ) 3.6832 - 4.1161 3.9929 - 4.0518 3.9929 - 4.0518 4.1161 4.0518 4.0518 ( ) 5 5 5 5 5 5
60 60 60 60 60 60
7.17 31 2556 31 2555 1 2555
:
31 31 1 31 31 1
2556 2555 2555 2556 2555 2555
13,943 10,943 8,289 12,141 10,943 8,2898,954 10,058 6,208 8,954 10,058 6,208
79,906 110,015 70,231 79,891 109,598 69,61155,554 67,664 48,220 43,522 33,911 20,9282,292 7,330 10,256 2,292 7,330 10,256
120,540 120,322 131,280 109,372 98,793 66,873 5,976 5,377 5,962 5,456 4,795 5,607
3,343 2,754 2,376 3,343 2,754 2,37611,304 9,671 24,679 2,349 2,298 10,179
301,812 344,134 307,501 267,320 280,480 200,327
7.18 11 2553 2,000
3,000 200 300 10 27 2553
28 2555 2/2555 2,000 2,500 50 10
500 28 2555
2556
( ) 123
23 2556 2556 2,500 3,000 50 10
500 27 2556
31 2556 2555
2556 2555
1 250,000,000 200,000,00025,753,425 4,644,809
31 275,753,425 204,644,809
7.19 . . 2535
( )
7.20 31 2556 31 2555 1 2555
:
31 31 1
2556 2555 2555
1,250,000 1,080,000 550,000676 676 476
1,250,676 1,080,676 550,476
7.21 31 2556 31 2555 1 2555
:
31 31 1 31 31 1
2556 2555 2555 2556 2555 2555
- 143,673 44,559 27,726 173,673 44,761 27,830- 59,577 177,827 125,636 59,765 207,824 125,636- 314 237 556 314 237 556
203,564 222,623 153,918 233,752 252,822 154,022
124
7.22
31 2556 31 2555 1 2555
:
31 31 1 31 31 1
2556 2555 2555 2556 2555 2555
- - - 731,150 180,000 139,247
- - 66 - - 66
-
- - - 382 72 1,361
- - - 1,000 1,000 1,000
5,373 5,331 5,483 5,373 5,331 5,483
- - - - 2,614 31,872509,003 795,219 836,563 509,003 795,219 836,563
82,713 69,836 48,812 82,713 69,836 48,812
- - - - 78,000 31,415- - 8,601 - - 8,601
-
- - - - 34 5382 4,135 4,571 382 4,135 4,571
106 327 225 106 327 225
2556
( ) 125
31 2556 2555
:
2556 2555 2556 2555
-
- - 17,068 7,255
- 336 - 336
-
- - 275 35310,148 14,194 10,148 14,1941,425 1,667 1,425 1,667
21,465 21,129 17,233 17,265
4,907 4,907 4,907 4,907
- - 18,000 21,387
- - 13,357 14,522
4,874 2,500 - -
- - 7.23 31 2556 2555 24 ( 2552)
:
2556 2555 2556 2555
81,560 45,027 70,938 34,0142,216 3,521 1,786 2,620
83,776 48,548 72,724 36,634
126
7.24
31 2556
( )
1 2557 - 31 2557 37,8781 2558 - 31 2561 27,464
1 2562 29465,636
1 2557 - 31 2557 65,7901 2558 - 31 2561 114,621
1 2562 560180,971
1 2557 - 31 2557 11,5601 2558 - 31 2561 13,590
25,150
31 2555
( )
1 2556 - 31 2556 36,8571 2557 - 31 2560 38,909
1 2561 33376,099
1 2556 - 31 2556 64,8291 2557 - 31 2560 167,496
1 2561 560232,885
1 2556 - 31 2556 14,6831 2557 - 31 2560 24,836
39,519
2556
( ) 127
1 2555
( )
1 2555 - 31 2555 33,7171 2556 - 31 2559 38,283
1 2560 37172,371
1 2555 - 31 2555 55,0651 2556 - 31 2559 167,921
1 2560 21,445244,431
1 2555 - 31 2555 7,8901 2556 - 31 2559 9,951 17,841
31 2556
( )
1 2557 - 31 2557 37,6251 2558 - 31 2561 27,095
1 2562 29465,014
1 2557 - 31 2557 64,7331 2558 - 31 2561 114,221
1 2562 560179,514
1 2557 - 31 2557 10,6021 2558 - 31 2561 13,306
23,908
128
31 2555
( )
1 2556 - 31 2556 31,4921 2557 - 31 2560 30,122
1 2561 33361,947
1 2556 - 31 2556 63,6381 2557 - 31 2560 166,428
1 2561 560230,626
1 2556 - 31 2556 13,2021 2557 - 31 2560 23,800
37,002
1 2555
( )
1 2555 - 31 2555 29,4811 2556 - 31 2559 37,454
1 2560 37167,306
1 2555 - 31 2555 53,8431 2556 - 31 2559 166,658
1 2560 21,445241,946
1 2555 - 31 2555 6,4991 2556 - 31 2559 8,841
15,340
2556
( ) 129
7.25
7.26 31 2556 2555
:
2556 2555 2556 2555
54,189 17,219 54,189 17,21792,394 47,670 92,394 47,670
1,066,221 1,011,097 1,083,288 1,018,945982,056 878,493 532,749 511,649
2,194,860 1,954,479 1,762,620 1,595,481
7.27 31 2556 2555
:
2556 2555 2556 2555
638,218 602,441 638,493 602,51733,960 49,373 11,927 31,058
101,148 87,812 101,148 87,812- 1,030 45,968 1,030 46,244
774,356 785,594 752,598 767,631
130
7.28 31 2556 2555
:
2556 2555 2556 2555
727 348 729 34983,226 42,883 83,226 42,88335,549 30,287 9,119 7,75114,259 15,714 13,556 15,983
133,761 89,232 106,630 66,966
ATM 11,284 10,430 11,032 10,14612,181 8,733 4,353 3,01018,402 14,957 13,400 9,81541,867 34,120 28,785 22,97191,894 55,112 77,845 43,995
7.29 ( ) 31 2556 2555 ( )
:
2556 2555 2556 2555
( ) (1,116) 450 (1,116) 450
7.30 31 2556 2555
:
2556 2555 2556 2555
( ) (316) (676) (316) (676)539,741 491,972 289,595 351,136
6,704 13,980 6,704 13,980 546,129 505,276 295,983 364,440
2556
( ) 131
7.31 31 2556 2555
:
2556 2555 2556 2555
17,982 16,780 14,518 14,102
7.32 7.32.1 31 2556 2555
:
2556 2555 2556 2555
17,646 16,379 - - ( ) (26,142) (35,623) (11,532) (29,068)
( ) (8,496) (19,244) (11,532) (29,068)
7.32.2 31 2556 2555
2556 2555
( ) ( )
1,481 296 1,185 4,903 981 3,922
30,472 6,094 24,378 - - -31,953 6,390 25,563 4,903 981 3,922
132
2556 2555
( ) ( )
1,481 296 1,185 4,903 981 3,922
27,210 5,442 21,768 - - -28,691 5,738 22,953 4,903 981 3,922
7.32.3 31 2556 2555
2556 2555
( ) ( )
(6,702) (140,458)2,110 20 8,830 23
15,536 7,549
(26,142) (35,623) ( ) (8,496) (127) (19,244) (14)
2556 2555
( ) ( )
( ) 4,001 (157,454)(800) 20 36,215 23
800 (36,215)
(11,532) (29,068)
( ) (11,532) (288) (29,068) (18)
2556
( ) 133
7.33 23 2556 2556 Management Stock Option Program
( ) 12.5 10 1 1 10 5
2.5 5 30 2556 5
/
31 2556 /
7.34 31 2555
31 2556
( )
333232
144,1954,610
( )333232
64,6954,610
7.35 31 2556
27 2557
134
1,000,000,000 1,000,000,000
100,000,000 --- ---
10
2556
3,000,000,000 3,000,000,000
300,000,000 --- ---
10
. . .(02) 259/2556 2556 18
2556 3
1. . 3356/
2. 3427 /
3. 4301
2556
( ) 135
123
10400
( . )123 1
10400 - 08.30 . - 17.00 .
0 2697 5454 0 2642 3112
( )1998/4-5 10320
- 08.30 . - 17.30 . 0 2692 9971-3
0 2692 9982
( 2 ) PLZ.2.SHP030 2 94
. . . 12130 11.00 . - 19.30 .
0 2958 5276-9 0 2958 5377
329 3 607
10160 11.00 . -19.30 .
0 2458 2818-20 0 2458 2821
S15 1 587, 589
10230 11.00 . - 19.30 .
0 2947 5656, 0 2947 5694-5, 0 2947 5681 0 2947 5680
( 2 ) 2 2S-C13A 3522
10240 11.00 . - 19.30 .
0 2704 7500, 0 2704 7891-3 0 2704 7894
( ) 17-18 . . . 73000
- 08.30 . - 17.00 . 034 219 695-8
( )66/9 . . . 10270
- 08.30 . - 17.00 . 0 2730 9161-3
0 2730 9159
( )177, 179 6 . . . 20130
- 08.30 . - 17.00 . 038 394 906 ( ), 038 394 518, 038 394 511,
038 394 867 038 394 572
136
( - )418-419 6 - .
. . 10200 - 08.30 . - 17.30 .
0 2567 1956-7 0 2567 1958
( 2 Banking Zone) 2 2 C001 61
10250 10.30 . - 19.30 .
0 2787 1724, 0 2787 1725-6 0 2787 1727
( 21)36/11 G 21 ( )
10110 - 08.30 . �– 17.30 .
0 2261 9958-9 0 2261 9957
( )222 - 224 10100
- 08.30 . �– 17.00 . 09.00 . - 17.00 .
0 2222 3760-1, 0 2222 3180-1 0 2222 3120
( 4)259/99 7
10220 09.00 . - 17.30 .
0 2522 7399, 0 2522 7395-7 0 2522 7398
( 3) 30/39-50, 639 2 3 S-C 4B 3
. . . 11000 11.00 . - 19.30 .
0 2550 0690-2 0 2550 0693
( ) 17/17 8 GJA 001/3 .
. . 73160 10.30 . �– 19.30 .
0 2431 2590-92 0 2431 2589
( )6 6 2CR205 2
. . . 11140 10.30 . - 19.30 .
0 2921 3338-9 0 2697 5415
2556
( ) 137
2
G04 G 2 160 2 10150
11.00 . - 19.30 . 0 2416 1900, 0 2416 1688, 0 2416 1689
0 2416 1901
1282/13-14 .
. . 30000 - 08.30 . - 17.00 .
044 342 342, 044 342 688-90 044 342 665
920/30 . . . 74000
- 08.30 . - 17.00 . 034 424 200, 034 424 343-4, 034 424 446
034 424 445
81 . - 3 . . . 12130 - 09.00 . - 18.00 .
0 2567 0060-2 0 2567 0063
89/4 6 . . . 11140 - 09.00 . - 18.00 .
0 2595 0420-22 0 2595 0423
SS1 159/2 18 10510
- 09.00 . - 18.00 . 0 2540 0190-2
0 2540 0193
144/49 . . . . 21000 - 09.00 . - 18.00 .
038 622 900-2 038 622 904
175-176 . . . 41000
- 09.00 . - 18.00 . 042 242 555, 042 241 347-8
042 242 504
138
( 50) 11 2552
99.99 571.22 2556 6
2552 ( ) 99.99
5,650,000 100.00
2556
565,000,000 565,000,000
5,650,000 100.00
2556
( ) 139
121 . . 25 121/76 10400 0 2248 2525 0 2248 6889
345 10220 0 2521 7059-62 0 2521 7061
418-419 6 - 12000 0 2567 2923-5 0 2567 2924
47/3 4 73160
0 2429 0970, 0 2429 0994, 0 2429 0913
0 2429 0994 9/19-20 5
10280 0 2389 1717-20, 0 2703 8339 0 2389 1718
177, 179 6 20130
038 394 224, 038 394 226-7 038 394 225
117/5 21000
038 619 462-4 038 619 465
30/253 7 22000 039 328 478, 039 328 480, 039 328 410 039 328 479
203 70000
032 332 245, 032 332 247-8 032 332 246
1282/12 30000 044 248 884 044 248 883
2 108/4 4 2 10160 0 2805 3178 0 2805 3178
23/31 3 20000
038 394 224 038 394 225
243 7 13170
081 845 6035 204/300 1
10540 081 845 6310
131 1 10240 081 985 4001
311/13 3 10210 091 229 9477
140
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