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02
“
”
03
3
2559
- -
1 2 11 12 13 15 16 17 18 32 36 56 70 74 75 77 86 88 96 99 100 172 173 178
01 00000000000011111111111
( )
: 348 .9
10250
: + 66 (0) 2328 1035 : + 66 (0) 2328 1245
http://www.patkol.com
: 0107536000587
: 28 2508
:
: ( )
. . 2536 “PK”
: 600,243,737 : 494,095,237
: 414,607,781 : 79,487, 456
( ) : 1
: /
: + 66 (0) 2328 1035 1013 : + 66 (0) 2328 1245
02 0022
10%
1. (PKT): 79/1 14 .
. +66 (0) 2328 1035 :
: 30,000,000 99.99%
2. (SPK) : 348 . .9 .
. +66 (0) 2328 1035 :
: 2,500,000 39.99% PKT 60%
3. (SPN) : 89/64 2 .
. +66 (034) 885 090 :
: 10,000,000 80%
4. (PKM) : 129 3 . .
. +66 (032) 447 920 :
: 100,000,000 99.99%
5. (HA) : 567/14 . .
. +66 (0) 2000 6500 :
: 10,000,000 99.99%
6. (PK-PH) : Unit 12G IBM Plaza Building, E, Rodriguez Jr., Eastwood Quezon city 1110
Philippines
:
: 11,750,000 60%
7. (PK-ID) : Kompleks City Resort Rukan Miami Block C No. 17B, Jln Kamal Raya Outer
Rign Road, Cengkareng, Jakarata Barat 11730
: : 2,737,400,000 99.99%
: ( ) 93 . . . +66 (0) 2009 9000
: 138 6 1 . .
. +66 (0) 2634 2484
: 4 2/4 . . . +66 (0) 2252 1260
03
04
05
06
07
08
.............................................................................. ............................................................................
.............................................................................. ............................................................................
09
( )
( )
315624 1,280
116
673105
6645 0
448
2,823
890
010
:
3,615 3,386 3,203 2,109 1,962 2,101
1,506 1,424 1,102
3,713 3,551 4,079 112 154 288
72 321 227
84 112 230
58 53 44
( ) 1.61 1.70 1.70 ( ) 1.40 1.40 1.90
( ) 26 24 21 ( ) 2 3 6
( ) 6 9 25 ( ) 2 3 7
( ) 0.20 0.27 0.56 ( ) 3.61 3.44 2.65
31 2559 2558 2557
010
011
2 5 5 9
GDP 2559 3.2 ( 2558 2.9)
3,713 2558
3,551 162 4.6 84 2.3 2558
112 3.2
4.0 20
2559 95.38 100
2560
. .
012
2559 ( )
110 0.27
2558 2559
“Patkol Malaysia SDN. BHD.” 2560
52 “ ”
013
014
015
016
017
3
2557 2558 2559
2
( )
10 (
99)
(Evaporative Condenser)
( 99)
3 30
4/2558 11 2558
23.5 (
60)
5.5 ( 99)
2/2559 13 2559
018
1)
2)
3)
80 /
4)
5)
6) 2559 ISO 14001 BS OHSAS 18001 Tuv Nord
7)
8)
9) 7 , , , ( Contractor), ,
019
( ) 2508 2535
2534 - 2
30,000
28 2536
(“ ”)
1
020
1
4
o o o o
: -
-10 , ,
, , , -
: . -
: - , / , , ,
: . – . . – . .
Form – Fill - Seal Packing Machines
:
021
: ASME
(American Society of Mechanical Engineer)
, ,
(Good Manufacturing Practice
: GMP)
(Preventive Maintenance)
:
:
022
2
5
o o o o o
:
, , , ,
, ,
,
(Commercial Cold Room) , , ,
: (Ripple Plate Chiller)
0.5
(Individual Quick Freezer : IQF)
( Air Blast Freezer)
, ,
: (Evaporative Condenser)
2533
: (Hypermarket)
023
: 2.5-80
Good Manufacturing practice ( GMP )
:
(Evaporative Condenser)
: HFCs
024
:
, ,
: CLMV
AEC
,
025
3
4
o o o o
:
(Good Manufacturing Practice : GMP)
:
(Hygienic Design)
CIP (Cleaning In Place : )
:
026
:
Pressure Vessel, Storage Tank, Heat Exchanger (Shell and Tube), Stack
ASME (American Society of Mechanical Engineer)
:
Main Contractor
(Recondition or Modify)
: One-stop Service
U-STAMP ASME (American Society of Mechanical Engineer)
Automation
027
:
( )
:
028
4
4
o o o o
:
(Individual Quick Freezer : IQF) 3
(Cabinet Freezer) 100-300 ./ .
(Tunnel Freezer) 500-1,000 ./ .
(Spiral Freezer) 1,000-3,000 ./ .
: (Retort) 115 –147
(Cooker)
100
:
:
(Grader)
029
:
030
:
(Hygienic Design)
:
:
(Ready to Eat)
031
5
(Preventive Maintenance)
:
(Preventive Maintenance)
:
( (Preventive Maintenance))
(Recondition or Modify)
:
:
:
032
31 2559 600,243,737 494,095,237 414,607,781 79,487,456
1
100 1
12
( ) + 2 4
( )
10 10 2560 ( )
1. . 1 84,567,108 17.11
2. 2 49,841,303 10.09
3. ( ) 49,307,800 9.98
4. 3 48,575,975 9.83
5. 45,970,942 9.30
6. 27,285,080 5.52
033
7. 15,250,000 3.09
8. ( ) 11,400,000 2.31
9. 6,629,143 1.34
10. ( ) 6,103,738 1.24
11. 149,164,148 30.19
494,095,237 100.00
1 (1) . 10.342% (51,100,000 ) (2) 2.565% (12,674,151 ) (3) 3.849% (19,018,586 ) (4) 0.359% (1,774,371 ) 2 (1) 9.277% (45,841,303 ) (2) 0.809% (4,000,000 )
3 (1) 0.004% (20,000 ) (2) 9.758% (48,216,475 ) (3) 0.036% (180,000 ) (4) 0.019% (94,000 ) (5) 0.013% (65,500 )
034
(“PK-W”) 30 2554
( )
(“PK-W”)
21 2554
( )
106,148,500
10
1
1 2554
1 2564
1 1
0.01
106,148,500
“ 70 ”
035
3 2557-2559
2559** 2558* 2557*
( ) 84.22 112.13 229.55
( ) 0.20 0.27 0.56
( ) ( )
0.08
0.03375
-
-
-
-
( )
32.52%
-
-
: * 2557-2558
** 2559 2560 28 2560
036
4
(1)
(2) (3) (4)
5
31 2559 12
(1) 8
(2) 4
4 1 3
2559 4
1. . . ( ) 4 3
2. . 4 4
3. , ,
4 4
4.
( )
4 3
037
“ . , , . , ,
, , ”
5.
( )
4 3
6. ( ) 4 4
7. , ,
4 4
8.
4 4
9. 4 4
10. 4 4
11. ,
4 4
12. ,
4 4
038
1)
2)
3)
4)
5)
6)
7)
8) 3
4
9)
10)
11)
( . . .) /
039
4
(1) (2) (3)
(4)
1)
/
2) 3
3)
4)
31 2559 4 13
1)
2)
( )
1. . 13/13
2. 13/13
3. 13/13
4. 13/13
040
3)
4)
5)
5.1) 100-300
5.2) 10-30
5.3) 50 180
5.4) - 10
-
5.5) / 10
6)
/
7)
1. 3
2.
3.
041
(1)
(2)
(3)
89/3 . . . ( 4) . . 2551
(4)
2
. . .
31 2559 3 5
042
-
1)
2) (Internal Control) (Internal Audit)
3)
4)
5)
6)
7)
8)
1
( )
1. 5/5
2. 4/5
3. 5/5
043
9)
10)
11)
12)
13)
(1)
(2)
(3)
. . . /
14)
1. 3
2.
3.
(1)
(2)
(3)
(4)
044
(5)
4. 1
5. 3
3
1) 3 1
2)
3)
31 2559 3 1
( )
1.
1/1
2.
1/1
3.
1/1
045
1. 2.
3. /
4.
5.
6.
1) 3
2)
3
3)
(1)
(2)
(3)
1.1 3
1
1.2
1.3
046
31 2559 4 4
( )
1. 4/4
2. 4/4
3. 4/4
4. 4/4
1) ( Integrated Risk Management)
(Strategic Risks)
(Market Risk)
(Financial Risks)
(Operational Risks)
2)
3)
4)
5)
6)
1) 3
2)
1.
047
1.
2. 3. 4.
5.
: . . .
( . . .)
048
/
049
11 2559
/
/
/
( ) ( ) ( ) ( )
050
2559
1.
/
- 78,750 10,000 - 34,650 10,000
2.
/
- 23,100 - - - - - - - - - - - - - - - - -
2559
( )
( )
( )
( )
.
.
.
.
.
1. . . 945,000 - 30,000 - - - - 975,000
2. . 415,800 - 40,000 - - - - 455,800
3. 415,800 - 40,000 - - - - 455,800
4. 415,800 277,200 30,000 - - - - 723,000
5. 415,800 277,200 30,000 - - - 723,000
051
( )
1 51,100,000 10.342
2 45,841,303 9.277
3 27,285,080 5.522
4 19,018,586 3.849
5 20,000 0.004
( )
( )
( )
( )
.
.
.
.
.
6. 415,800 277,200 40,000 - - - - 733,000
7. 415,800 277,200 40,000 - - - - 733,000
8. 415,800 - 40,000 - - - - 455,800
9. 415,800 - 40,000 - - - - 455,800
10. 415,800 - 40,000 - - - - 455,800
11. 415,800 - 40,000 - - - - 455,800
12. 415,800 - 40,000 - - - - 455,800
7,077,600
052
2559 53.09
31 2559 1,490 697,193,282.30
( )
/
1.
2.
Friendly Engineering 3.
Syner Team , (Program Alert Project)
053
4. Group Interview
5.
6.
7. Management Trainee
8. Talent Management
9.
10. Job Profile
11.
12.
13.
14.
054
/
/
( Insider Trading)
( )
1) (PK) 30
24 (Blackout Period)
2) 24
055
3)
59 . . 2533 3
4) ( E15 )
1) (audit fee) 2559
1. 3759 2. 5113 3. 7305 4. 4713
78,000
620,000 2559 1,400,000
2) (non-audit fee)
- -
056
( )
.-
1. 6
1.1) (Accountability) 1.2)
(Responsibility) 1.3) (Transparency) 1.4) (Fairness) 1.5) (Vision to Create Long Term Value) 1.6) (Ethics)
2. 5
2.1) (Rights of Shareholders)
2.2) (Equitable Treatment)
2.3) (Stakeholders)
057
2.4) (Transparency)
2.5) (Responsibilities)
3.
4.
5.
6.
7.
1
058
1.
: 4
: 1 (www.patkol.com)
:
90
[email protected] 0-2328-1245
:
Download
(Custodian)
2.
2.1
2.2
2.3
2.4
059
2.5
2.6
2.7
3. 3.1
3.2
3.3
3.4
3.5 14
.-
1 1 100 1
2
060
1. 1.1
1
1.2
1.3
2. 2.1
90
[email protected] 0-2328-1245
2.2
90 [email protected] 0-2328-1245
2.3
2.4
3.
061
1) ( E15 )
7 . . 2535
2)
3)
1.
7
1.
2. 3.
3
062
4. ( Subcontractor) 5. 6.
7.
.- 1)
1)
2)
3)
4)
5)
5 .
2)
1)
2)
063
3)
1)
2)
3)
4) ( Subcontractor)
( Subcontractor) 1) 2)
- -
-
064
5)
1)
2)
6)
1)
/ 2) 3)
7)
1)
2)
3)
2.
/ / /
065
/ /
.- (1) 0-2328-1035 1013 (2) [email protected]
(3) (4) . 39 . . 10263
. . .
1.
2.
3.
website
4.
5. (Management
Discussion and Analysis MD&A)
6.
7.
4
066
8.
2.
www.patkol.com
1.
1)
2) 5 12 3) 1
4) 4 1 3
5) 3
6) 7)
3
8) 2 9)
5
067
2.
1) . . 2535
. . . 2)
3)
4)
5)
3.
. . 2535
1 3 3
1 3
4.
1. 4 . . 2535
068
2.
3.
1, 2 3
4. 7
5. . . 2535
6. 1-
2
5.
“ ” (CG
Self Assessment)
6.
“” “ ”
069
7.
1.
2.
3.
4.
070
Risk Assessment Matrix (Impact) (Likelihood)
31 2559
1.
:
,
2.
:
071
3.
:
4.
:
5.
072
:
Natural Hedge
()
6.
:
7.
073
:
8. (AEC)
(AEC) /
:
9.
:
074
2/2560 20 2560
5
1
2
3
4
7
5
075
( ) 2559 2558
(“Prudent”)
Workshop
Prudent 2 (
2559
2561)
4.2
5.1
2/2559
13 2559
Prudent
2
076
31
077
“ ”
1.
( Good Corporate
Governance)
“”
2.
078
, , , “ ” (Private
Sector Collective Action Coalition Against Corruption, “CAC”) 1/2559 29 2559
CAC
“ ” (Anti-Corruption Committee) 11 2559
“ ”
(Whistleblower)
3.
18
4.
079
-
-
-
-
- (OHSAS18001)
“ ”
5.
080
1. 2.
3.
4.
5.
6.
ISO 14001
12.00 – 13.00 . 5 .
7.
8.
081
1)
( )
“
” 6
2559 5 ( ) 3
2
082
6 427
A4 27 2560
2559
, 1, ,
20,000
2559 32
25 1,500 , . 7 1,800 50,100
2)
“ ”
4
1 17 2559 38,850 . . 2 17 2559 40,500 . . 3 17 2559 32,400 . . 4 16 2559 38,950 . .
083
15 “”
33 1,200 39,600 11 2559
13 2559
15,000
10 2559
26-27 2559
11 2559
084
3)
1 150,000 26 2559
2559 2559
1,230,100 29 2559
4)
“84 ”
84 12 2559
11 2559
26 2559
085
5)
( )
21 2559
086
( ) 2508
"
" 16 2555
BS OHSAS
18001 ISO 14001 Tuv Nord
1.
2.
3. 4.
5.
6.
7.
8.
9.
087
1. ,
/ , , / , , ,
, Toolbox Talks, House Keeping, ,
,
2. , , , ,
, , ,
,
o
o
o (Green Industry) o “ ”
088
2559 2558
/ 2559 2558
( ) % % %
3,713 100% 3,551 100% 162 4.6%
(2,763) -74.4% (2,701) -76.1% (62) 2.3%
( ) 950 25.6% 850 23.9% 100 11.7%
26 0.7% 33 0.9% (7) -22.0%
(290) -7.8% (259) -7.3% (31) 12.1%
(544) -14.7% (440) -12.4% (105) 23.8%
141 3.8% 185 5.2% (43) -23.4%
- (29) -0.8% (31) -0.9% 2 -5.9%
( ) 112 3.0% 154 4.3% (41) -26.9%
(30) -0.8% (44) -1.2% 15 -32.7%
83 2.2% 109 3.1% (27) -24.6%
(10) -0.3% 212 6.0% (222) -104.9%
72 1.9% 321 9.0% (249) -77.5%
84 2.3% 112 3.2% (28) -24.9%
(2) 0.0% (3) -0.1% 1 -38.4%
83 2.2% 109 3.1% (27) -24.6%
089
2559 3,713 2558 3,551 162
4.6% 2559
84 2.3% 2558 112 3.2% 2559 2558 105
23.8% 2559 2558 28
24.9%
( )
2559
- 1,595.6 739.0 488.3 0.0 2,822.9
- 740.4 149.6 0.0 0.0 889.9
2,336.0 888.5 488.3 0.0 3,712.8
(1,748.0) (690.5) (324.3) (0.0) (2,762.8)
588.0 198.0 164.0 (0.0) 949.9
% 25% 22% 34% 0% 26%
% 63% 24% 13% 0% 100%
2558
- 1,304.2 875.0 450.0 0.0 2,629.2
- 692.6 220.9 8.4 0.0 921.8
090
11. 2559
63%
24% 13%
17%
19%
(Back log) 2560
7% (Preventive Mantainance)
2. ,
, , 2559 7 22% 2558
9
3. 2559 26% 2558 24%
1,996.8 1,095.9 458.4 0.0 3,551.0
(1,480.9) (911.5) (308.4) (0.0) (2,700.9)
515.9 184.4 149.9 (0.0) 850.2
% 26% 17% 33% 0% 24%
% 56% 31% 13% 0% 100%
% 17% -19% 7% 0% 5%
091
( Standard Margin) KPI
44. 2559 834 22 %
2559 2558
(R&D)
(Representative office)
(ERP)
5. 2559 84 2.3% 2558 112
3.2%
6.
2559 3,615 2558 3,386
229 7%
092
6-12 20%
12-18 50%
> 18 100%
Rating 1 Rating 2 100% Rating
Rating 1
Rating 2
Rating 3 Overdue 90 3
Rating 4 Overdue 31 90
3 Rating 5 Overdue Overdue 30
Non-Movement 12-18 10%
Non-Movement 18-24 30%
Non-Movement 24-36 60%
Non-Movement > 36 85%
31 . . 59 31 . . 58
- 329 51% 214 36%
:
- 3 179 27% 242 41%
- 3 61 9% 57 10%
1 1% 1 1%
31 . . 59 31 . . 58
093
78 12% 81 14%
647 100% 594 100%
(105) -16% (91) -15%
- 542 84% 503 85%
2559 2558 16% 2559 2558
- 31 . . 59 31 . . 58
707 100% 658 100%
(23) -3% (18) -3%
684 97% 640 97%
2559 2558 3%
2559
2559 2,109 2558 1,962
147 8%
094
77. 31 2559 1,506 31
2558 1,418 2559
31 2559 31
2558 1.4 2
8. 2559 2558 1.61 1.7
2559 2558 1.06
2559 2558 81 90 2559 2558 86 77 2559
2558 49 51 2559 2558 118 116
(Finish Goods)
2559 209 2558 290
(38) (42)
095
99. 2559 (Bank Guarantee) 207.36 0.15
1. 2.11
2. 5.79
3. 199.46 0.15
: :
: :
096
2559
( ) 3
3
2559 5
1.
( )
2. ( )
3. ( )
/
( )
097
( )
4.
( ) (SITE AUDIT)
5. ( )
( ) 2560
2559
4
2559
098
20 2560
( )
099
2559
. .
100
2559
- -
( ) 31 255
31 255
2559
****/
- -
( )
****/
- -
****/
- -
( )
31 31 31 31 2559 2558 2559 2558
5 596,221,339 387,237,988 506,679,198 349,379,253 - 6 584,473,552 549,073,842 529,438,848 477,064,536 - 31.3 - 406,802 174,798,553 153,532,343 - 8 267,236,846 261,238,425 250,034,303 238,027,433
- 31.3 - - 282,268,994 377,727,288 - 9 683,641,661 639,215,797 304,764,151 293,422,126 - 10 39,339,439 46,388,748 34,945,146 39,856,532 14,726,266 9,911,526 13,167,396 8,960,156 8,770,857 19,257,277 3,900,131 16,705,997
2,194,409,960 1,912,730,405 2,099,996,720 1,954,675,664
- 7 - - - - 11,238,645 13,038,420 6,093,131 6,049,696 - 11 - - 158,467,442 146,748,025 - 12 44,055,806 44,055,806 20,843,481 20,843,481 - 13 1,132,198,535 1,168,982,137 858,766,822 882,327,654 - 14 93,081,293 95,098,781 90,631,767 94,465,913
15 71,207,033 91,862,502 55,428,990 76,457,890 67,042,925 60,345,991 64,915,502 57,750,137 1,707,596 11,200 1,663,080 -
1,420,531,833 1,473,394,837 1,256,810,215 1,284,642,796 3,614,941,793 3,386,125,242 3,356,806,935 3,239,318,460
- 1 -
( ) ( )
31 31 31 31 2559 2558 2559 2558
16 110,131,122 52,831,167 8,259 498,450 404,946,573 349,557,039 234,056,795 208,474,377
31.3 - - 133,981,153 179,556,819 -
1 17 924,000 - - - -
1 18 2,798,404 1,484,891 439,957 - -
1 19 99,246,315 96,956,798 100,318,876 97,580,164 -
1 20 17,101,419 17,928,621 - -
609,356,430 483,080,883 606,104,580 481,939,494 20,095,540 23,041,367 18,924,705 20,611,933 34,661,979 31,442,889 25,127,821 26,780,191 63,236,163 69,358,395 60,037,054 62,701,432
1,362,497,945 1,125,682,050 1,178,999,200 1,078,142,860
- 17 4,229,000 - - - - 18 4,881,052 2,963,604 1,726,721 -
- 19 415,685,099 516,527,208 420,375,006 522,289,674 - 20 63,570,863 77,083,709 - -
15 133,216,909 133,084,161 116,723,490 118,312,376 21 124,840,501 106,428,267 86,641,301 74,211,268
746,423,424 836,086,949 625,466,518 714,813,318 2,108,921,369 1,961,768,999 1,804,465,718 1,792,956,178
- 2 -
( ) ( )
31 31 31 31 2559 2558 2559 2558
79,487,456 1 23 79,487,456 79,487,456 79,487,456 79,487,456 520,756,281 1 23 520,756,281 520,756,281 520,756,281 520,756,281
79,487,456 1 23 79,487,456 79,487,456 79,487,456 79,487,456 414,607,781 1 23 414,607,781 414,607,781 414,607,781 414,607,781
23 111,455,925 111,455,925 111,455,925 111,455,925 4,555,919 4,555,919 4,769,247 4,769,247
8,542,665 8,398,665 8,542,665 8,542,665 (22,088,943) (22,088,943) (22,088,943) (22,088,943)
24 (3,555,477) (3,555,477) - - 24 - (2,400,000) - -
( ) - 26 58,267,210 52,755,178 58,267,210 52,755,178 355,031,916 279,210,531 431,952,834 328,096,556
25 492,121,366 495,510,741 465,347,042 468,736,417 (749,898) - - -
1,497,675,920 1,417,937,776 1,552,341,217 1,446,362,282 8,344,504 6,418,467 - -
1,506,020,424 1,424,356,243 1,552,341,217 1,446,362,282 3,614,941,793 3,386,125,242 3,356,806,935 3,239,318,460
- 3 -
( )
31 2559
31 31 31 31 2559 2558 2559 2558
3,712,770,062 3,551,023,297 3,419,255,877 3,248,951,279 (2,762,789,916) (2,700,795,198) (2,617,773,129) (2,509,462,918)
949,980,146 850,228,099 801,482,748 739,488,361 25,563,736 32,779,250 53,315,184 73,492,522
975,543,882 883,007,349 854,797,932 812,980,883 (289,902,133) (258,667,804) (256,429,448) (228,678,443)
(483,675,822) (390,232,378) (383,789,911) (297,402,218)(7,459,600) (7,489,600) (7,047,600) (7,097,600)
31.4 (53,086,907) (41,992,344) (48,630,587) (38,220,494)(834,124,462) (698,382,126) (695,897,546) (571,398,755) 141,419,420 184,625,223 158,900,386 241,582,128 (29,060,225) (30,883,119) (20,828,537) (21,486,161)112,359,195 153,742,104 138,071,849 220,095,967
29 (29,794,863) (44,299,116) (27,831,207) (42,854,471) 82,564,332 109,442,988 110,240,642 177,241,496
:
(749,898) - - -
(3,389,375) (3,132,068) (3,389,375) (3,132,068) - 223,963,914 - 211,271,363
21 (6,275,291) (9,159,210) (4,261,707) (5,533,110) (10,414,564) 211,672,636 (7,651,082) 202,606,185 72,149,768 321,115,624 102,589,560 379,847,681
( ) 84,219,333 112,129,253 110,240,642 177,241,496 (1,655,001) (2,686,265) - -
82,564,332 109,442,988 110,240,642 177,241,496
73,804,769 323,801,889 102,589,560 379,847,681 (1,655,001) (2,686,265) - -
72,149,768 321,115,624 102,589,560 379,847,681 28
( ) 0.20 0.27 0.27 0.43 ( ) 414,607,781 412,207,781 414,607,781 414,607,781
28 ( ) 0.16 0.22 0.21 0.34 ( ) 519,754,880 517,354,880 519,754,880 519,754,880
- 4 -
()
31
2559
1 25
5879,
487,45
6
414
,607,7
81
111
,455,9
25
4,555,
919
8,398,
665
(22
,088,9
43)
(5,
955,47
7)
43,
893,10
3
185,10
2,563
-
-
274
,678,8
95
274,67
8,895
7,8
45,044
1,101,
980,93
1
()
-
-
-
-
-
-
-
8,8
62,075
103,26
7,178
-
(9,
159,21
0)
220,83
1,846
211
,672,6
36
(1,426
,577)
322
,375,3
12
31
25
5879,
487,45
6
414
,607,7
81
111
,455,9
25
4,555,
919
8,398,
665
(22
,088,9
43)
(5,
955,47
7)
52,
755,17
8
288,36
9,741
-
(9,
159,21
0)
495,51
0,741
486
,351,5
31
6,418,
467
1,4
24,356
,243
-
-
-
-
-
-
-
5,5
12,032
(5,512
,032)
-
-
-
-
-
-
-
-
-
-
144
,000
-
2,4
00,000
-
-
-
-
-
-
-
2,5
44,000
-
-
-
-
-
-
-
-
-
-
-
-
-
3,581,
038
3,5
81,038
(
)-
-
-
-
-
-
-
-
87,
608,70
8
(74
9,898)
(6,
275,29
1)
(3,389
,375)
(10,41
4,564)
(1,655
,001)
75,
539,14
3
31
25
5979,
487,45
6
414
,607,7
81
111
,455,9
25
4,555,
919
8,542,
665
(22
,088,9
43)
(3,
555,47
7)
58,
267,21
0
370,46
6,417
(74
9,898)
(15
,434,5
01)
492
,121,3
66
475,93
6,967
8,3
44,504
1,506,
020,42
4
()
(
)
- 5 -
()
31
2559
1 25
5879,
487,45
6
414
,607,7
81
111
,455,9
25
4,7
69,247
8,5
42,665
(22
,088,9
43)
43,
893,10
3
165,25
0,245
-
260,59
7,122
1,0
66,514
,601
()
-
-
-
-
-
-
8,8
62,075
168,37
9,421
(5,
533,11
0)
208,13
9,295
379
,847,6
81
31
2558
79,487
,456
414,60
7,781
111,45
5,925
4,769,
247
8,542,
665
(22,08
8,943)
52,755
,178
333
,629,6
66
(5,533
,110)
468
,736,4
17
1,446,
362,28
2
-
-
-
-
-
-
5,5
12,032
(5,512
,032)
-
-
-
()
-
-
-
-
-
-
-
113,63
0,017
(4,
261,70
7)
(3,389
,375)
105
,978,9
35
31
2559
79,487
,456
414,60
7,781
111,45
5,925
4,769,
247
8,542,
665
(22,08
8,943)
58,267
,210
441
,747,6
51
(9,794
,817)
465
,347,0
42
1,552,
341,21
7
()
()
- 6 -
( )
31 2559
2559 2558 2559 2558
112,359,195 153,742,104 138,071,849 220,095,967
71,554,124 70,318,677 48,400,737 39,950,009 11,583,078 2,240,841 11,156,067 1,824,133
16,167,861 8,472,412 7,669,384 (10,134,437) - - 676,642 -
( ) (4,992,000) - - - ( ) - - (500,000) -
( ) 5,398,249 (3,936,605) 2,853,321 (3,319,033)( ) (336,059) 5,155,820 (545,766) 5,062,584
( ) - 9,663,208 - 3,381,448 8 - 8 -
( ) (1,242,953) (2,444,758) (1,224,387) (2,497,700)( ) (2,945,827) 3,695,149 (1,687,228) 4,722,582
12,136,943 10,874,057 8,168,326 7,355,722 21,658 - - -
(3,897,935) (3,750,322) (23,505,600) (26,345,168) 29,060,225 30,883,119 20,828,537 21,486,160
( ) 244,866,567 284,913,702 210,361,890 261,582,267
( ) (50,676,940) 153,073,606 (58,441,176) 139,466,123 406,802 (65,037) (21,266,210) 9,292,002 - 30,000 - 30,000
(5,506,793) (16,088,877) (12,269,881) (14,029,876) (49,824,113) (118,255,589) (14,195,347) (116,402,356) 13,067,053 (27,814,035) 13,686,495 (28,371,313)
(1,696,396) - (1,663,080) -
( ) 55,250,174 (61,278,043) 25,467,296 (41,435,451)
- (9,309) (45,575,666) 133,751,655 126,275,547 1,746,000 124,165,086 3,464,369 (3,262,858) 15,391,497 (4,316,748) 10,784,314
- 7 -
( ) ( )
31 2559
2559 2558 2559 2558( ) 328,899,043 231,643,915 215,952,659 358,131,734
3,897,935 3,750,322 7,963,895 3,612,078 (28,228,347) (30,053,513) (19,996,659) (20,656,555)
(14,445,813) (18,326,038) (14,709,214) (16,977,518) - (1,747,000) - (1,413,700)
( ) 290,122,818 185,267,686 189,210,681 322,696,039
( ) 1,799,775 6,370,140 (43,435) (49,225) - 100,000,000 - 100,000,000
- - (25,000,000) (435,000,000) - - 136,000,000 298,000,000
1,637,196 1,074,449 1,523,178 433,542 38,195 - 38,195 -
- - 573,133 - (32,286,947) (114,015,683) (24,462,603) (96,098,783) (9,603,793) (31,715,082) (7,360,124) (31,405,802)
- - (12,469,192) (26,999,400) ( ) (38,415,574) (38,286,176) 68,799,152 (191,119,668)
( ) 57,299,955 (19,476,161) (490,190) (1,293,578)
3,509,248 - - - 7,392,000 - - - 6,000,000 - - -
(847,000) - - - (99,240,471) (138,312,109) (100,007,836) (139,144,053) (14,340,048) (15,587,485) - -
(1,747,679) (883,989) (211,862) - ( ) (41,973,995) (174,259,744) (100,709,888) (140,437,631)
(749,898) - - - ( ) 208,983,351 (27,278,234) 157,299,945 (8,861,260)
5 387,237,988 414,516,222 349,379,253 358,240,513 5 596,221,339 387,237,988 506,679,198 349,379,253
3 2559 2.20
- 8 -
( )
31 255
-9-
1. 1.1 28 2508 372/2508 28
2536 0107536000587 1.2 348 .9 10250
79/1 14 33 10540 1.3
-
1.4 4 1.5 5
2. 2558 ( )
( ) ( )
3
255 31
255
99.99 99.99 99.98 99.98 80.00 80.00
99.99 99.99 . -
. - * - 99.98 ** 99.98 99.98 ( ( ) 39.99 60)
( )
31 255
-10-
* **
3.
(“ ”)
3.1
. ( )
1 2559
.
( 2559) 1 25
( )
31 255
-11-
( )
( )
3.2
-
-
- 3
-
3
( )
31 255
-12-
-
-
( Cost Method )
( )
2547
(Market Approach) (Cost Approach)
" " " "
( )
31 255
-13-
25/2549 11 2549 30 2549
( ) ( )
( )
30 50 5
8 3 5
5
5
( )
( )
31 255
-14-
/
-
-
-
3 3
-
( )
31 255
-15-
(Projected Unit Credit Method)
(Actuarial gains and losses)
( )
31 255
-16-
( )
( )
31 255
-17-
( ) ( ) ( )
( . . )
( )
31 255
-18-
4.
( )
31 255
-19-
21
5.
31
255 31
255 31
255 31
255 1,189 863 1,007 669
, , 69,266 65,294 506,660 , 436,406 283,41
( 3 ) 51 - - 596,221 , 506,679 349,3
6. -
31
255 31
255 31
255 31
255 647,396 , 590,157 ,
(105,160) ( , ) (92,680) (85,258) 542,236 , 497,477 447,
49,149 , 35,095 31,956
2,617 , 869 1,519 (9,528) ( , ) (4,002) (4,018)
42,238 , 31,962 29,457 - 584,474 , 529,439 7 ,
( )
31 255
-20-
31
255 31
255 31
255 31
255
- 329,180 , 305,777 187,05 :
- 3 179,049 , 159,461 , - 3 6 20,316 , 16,271 27,139 - 6 12 6,653 , 6,058 11,551
- 12 33,944 , 31,956 4,117 651 651 651
77,603 , 69,983 80,048 647,396 , 590,157 ,
(105,160) ( , ) (92,680) (85,258) - 542,236 , 497,477 ,
31
255 31
255 31
255 31
255 91,035 110,993 85,258 106,949
- ( , ) - (28,961) ( ) 14,125 , 7,422 7,270
105,160 , 92,680 85,258
14.13 . . .
.
( )
31 255
-21-
7. -
31
2559 31
2558 31
2559 31
2558
30,5 30,528 30,5 30,528 (30,5 ) (30,528) (30,5 ) (30,528)
- - - -
31
2559 31
2558 31
2559 31
2558 ,528 ,558 ,528 ,558
( ) - (30) - (30) 30,528 30,528 30,528 30,528
8. -
31
255 31
255 31
255 31
255 285,731 , 268,200 255,929
(18,494) ( , ) (18,166) (17,902) 267,237 , 250,034 238,027
( )
31 255
-22-
31
255 31
255 31
255 31
255 18,986 , 17,902 17,469
( ) (492) 264 433 18,494 , 18,166 17,902
9. -
31
255 31
255 31
255 31
255 85,354 104,211 14,241 14,171
483,163 446,624 249,337 259,123 119,970 , 44,141 26,842 18,848 , 9,089 2,476
707,335 , 316,808 302,6 (23,693) ( , ) (12,044) (9,190)
683,642 , 304,764 ,
31
255 31
255 31
255 31
255 18,295 22,231 9,190 12,509
( ) 5,398 ( , ) 2,854 (3,319) 23,693 , 12,044 9,190
( )
31 255
-23-
10. -
31
2559 3
2558 31
2559 3
2558 40,438 47,487 36,044 40,955 ( , ) (1,099) (1,099) (1,099) 39,339 46,388 34,945 39,856
11. -
( )
( ) ( ) ( )
31
255
31
255
31
255
31
255
31
255
31
255
31
255
31
255
:-
-
100.00 100.00 99.99 99.99 99,999 99,999 - -
- 2.50 2.50 39.99 39.99 1,000 1,000 - -
- 30.00 30.00 99.98 99.98 29,999 29,999 - -
- - 1.25 - 99.98 - 1,250 - -
*
- 10.00 10.00 80.00 80.00 8,000 8,000 - -
- 10.00 10.00 99.99 99.99 9,999 9,999 - -
- 5.36
-
.
- 5,362 - - -
- . 1
-
.
- , - - -
(2,999) (3,499) - -
– 158,467 146,748 - -
*
( )
31 255
-24-
2558
/ ( . ) , ,
/
10 2559
/ 0 ( )
4/2558 11 2558 , . . , . 4
2 , . 2559 .
4/2558 11 2558 23.50 17.92 50 (11.75 ) 24 2559 60
70,500 7.05 18 2559 5.36
11 2558 - 3,000,000 30,000,000 270,000 100 11 2558
( )
31 255
-25-
12. - 31 2559 2558
44.05 20.84 ( 255 .
. ) ( 16) ( 19) ( 34)
()
31
255
-26-
13.
-
(
)
-
31
2558
,
513,35
7
511,61
2
128,90
6
294,60
1
270
101
,973
122
,428
27,
250
1,8
12,412
-
-
-
-
6,7
18
-
6,853
3,2
42
26,196
43,009
-
-
-
-
(3,
990)
-
(5,
095)
(4,
516)
(11
,158)
(24
,759)
(
)
-
-
3,481
-
740
-
7,1
55
-
(6,633
)
4,743
31
25
59
112,01
5
513,35
7
515,09
3
128,90
6
298,06
9
270
110
,886
121
,154
35,
655
1,8
35,405
31
2558
-
-
(21
4,656)
(16,59
8)
(222,7
14)
-
(56
,794)
(75
,722)
-
(58
6,484)
-
-
(9,037
)
(4,237
)
(20,06
4)
-
(19,96
1)
(19,10
1)
-
(72,40
0)
-
-
-
-
3,5
28
-
4,678
4,4
18
-
12,
624
-
-
-
-
-
-
-
-
-
-
31
25
59
-
-
(223,6
93)
(20
,835)
(23
9,250)
-
(72,07
7)
(90,40
5)
-
(646,2
60)
31
25
58
-
(3,325
)
(15,94
9)
(37,08
7)
(585)
-
-
-
-
(56
,946)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
31
25
59
-
(3,325
)
(15,94
9)
(37,08
7)
(585)
-
-
-
-
(56
,946)
-
31
2559
112
,015
510
,032
275
,451
70,
984
58,
234
270
38,809
30,749
35,655
1,132,
199
()
31
255
-27-
()
-
31
2557
93,
453
293
,299
457
,932
67,
436
283
,169
270
86,771
109,90
4
63,681
1,45
,915
-
220,05
8
-
61,470
12,389
-
11,942
13,064
92,949
411,87
2
-
-
-
-
(25
,483)
-
(8,
894)
(54
2)
(20,15
3)
(55,07
2)
()
18,
562
-
53,
680
-
24,
526
-
12,
154
2
(10
9,227)
(303)
31
2558
112
,015
513
,357
511
,612
128
,906
294
,601
270
101,97
3
122,42
8
27,250
1,812,
412
31
25
57
-
-
(199,6
50)
(12
,683)
(22
1,378)
-
(50,22
6)
(57,81
2)
-
(541,7
49)
-
-
(11
,388)
(3,
915)
(24
,891)
-
(16
,322)
(18
,452)
-
(74
,968)
-
-
(2,798
)
-
23,555
-
8,859
542
-
30,158
-
-
(82
0)
-
-
-
895
-
-
75
31
2558
-
-
(21
4,656)
(16,59
8)
(222,7
14)
-
(56
,794)
(75
,722)
-
(58
6,484)
31
2557
-
-
(9,
667)
(35
,783)
(1,
833)
-
-
-
(6,
630)
(53
,913)
-
(3,325
)
(6,282
)
(1,304
)
-
-
-
-
-
(10,91
1)
-
-
-
-
1,248
-
-
-
6,6
30
7,8
78
31
2558
-
(3,
325)
(15
,949)
(37
,087)
(58
5)
-
-
-
-
(56,94
6) -
31
25
58
112,01
5
510,03
2
281,00
7
75,221
71,302
270
45,
179
46,
706
27,
250
1,1
68,982
()
31
255
-28-
()
-
31
25
58
66,564
477,04
3
269,17
8
128,90
6
61,593
14,180
83,642
113,09
3
21,349
1,235,
548
-
-
-
-
2,196
-
4,6
74
3,146
21,
694
31,
710
-
-
-
-
(3,990
)
-
(4,914
)
(3,550
)
(10,83
4)
(23,28
8)
()
-
-
-
-
98
-
6,5
95
-
(903)
5,7
90
31
25
59
66,564
477,04
3
269,17
8
128,90
6
59,897
14,180
89,997
112,68
9
31,306
1,249,
760
31
25
58
-
-
(153,4
50)
(20
,028)
(46
,337)
(14
,180)
(46
,444)
(67
,567)
-
(34
8,006)
-
-
(4,989
)
(4,237
)
(5,546
)
-
(15,86
2)
(18,61
5)
-
(49,24
9)
-
-
-
-
3,5
28
-
4,497
3,4
51
-
11,476
-
-
-
-
-
-
-
-
-
-
31
2559
-
-
(15
8,439)
(24,26
5)
(48,35
5)
(14,18
0)
(57,80
9)
(82,73
1)
-
(385,7
79)
31
25
58
-
(3,325
)
-
(1,304
)
(585)
-
-
-
-
(5,
)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
31
2559
-
(3,
325)
-
(1,
304)
(58
5)
-
-
-
-
(5,)
-
31
2559
66,
564
473
,718
110
,739
103
,337
10,
957
-
32,
188
29,
958
31,
306
858
,767
()
31
255
-29-
()
-
31
25
57
51,608
274,42
4
242,95
1
67,4
74,778
14,180
68,969
100,02
7
13,372
,
-
202,61
9
-
61,470
5,414
-
8,6
11
13,064
81,814
372,99
2
-
-
-
-
(18
,897)
-
(6,
859)
-
(19
,418)
(45
,174)
(
)
14,956
-
26,227
-
298
-
12,
921
2
(54
,419)
(15
)
31
25
58
66,564
477,04
3
269,17
8
128,90
6
61,593
14,180
83,642
113,09
3
21,349
1,235,
548
31
25
57
-
-
(144,7
68)
(16
,113)
(58
,587)
(14
,180)
(41
,150)
(49
,603)
-
(32
4,401)
-
-
(4,745
)
(3,915
)
(5,094
)
-
(12,14
7)
(17,96
4)
-
(43,86
5)
-
-
(3,
937)
-
17,
344
-
6,8
53
-
-
20,260
-
-
-
-
-
-
-
-
-
-
31
2558
-
-
(15
3,450)
(20,02
8)
(46,33
7)
(14,18
0)
(46,44
4)
(67,56
7)
-
(348,0
06)
31
25
57
-
-
-
-
(1,833
)
-
-
-
(6,629
)
(8,462
)
-
(3,
325)
-
(1,
304)
-
-
-
-
-
(4,
629)
-
-
-
-
1,2
48
-
-
-
6,629
7,8
77
31
25
58
-
(3,325
)
-
(1,304
)
(585)
-
-
-
-
(5,
) -
31
25
58
66,564
473,71
8
115,72
8
107,57
4
14,671
-
37,198
45,526
21,349
882,32
8
( )
31 255
-30-
31 255 255 71.99 . 49.25 .
9 2558 437.84 . 290.97 .
804.17 796.51 563.85 563.85
( 16) ( 9) ( 20) ( 34)
31 9 2558 8
“ ”
. 558
2559 2558 558
( )
31 255
-31-
14. -
31 255
( )
31
255
, 2,039 ,57 (22,056) 142,57 , 0 - 1,047 - 24,927
, 12,728 (103,361) (420) - , 14,767 (4,74 ) (22,476) 167,50
( , ) (11,583) - 22,018 (71,098) , 3,184 (4,74 ) (458) 96,40
( , ) - - - (3,326) , 3,184 (4,74 ) (458) 93,08
31 2557
/
/
31
2558
63,584 , ( , ) , 23,880 - - , 0
61,710 , - , 149,174 , ( , ) ,
(80,437) ( , ) , ( , ) 68,737 , ( , ) ,
(3,326) - - ( , ) 65,411 , ( , ) ,
( )
31 255
-32-
31 2558
( )
31
2559
, , ( , ) ,918 , - - - 21,947
, 12,728 (103,361) (421) - , 13,571 (5,790) (22,477) 159,865
( , ) (11,156) - 22,018 (65,907) , 2,415 (5,790) (459) 93,958
( , ) - - - (3,326) , 2,415 (5,790) (459) 90,632
31 2557
/
/
31
2558
60,485 , ( , ) , 21,947 - - ,
61,711 , - , 144,143 , ( , ) ,
(75,933) ( , ) ( , ) 68,210 , ( , ) ,
(3,326) - - ( , ) 64,884 , ( , ) ,
( )
31 255
-33-
31
31 255 255 255 255
11,580 1,096 11,156 1,096
15. 31 2559 2558
31
255 31
255 31
255 31
255 -
71,207 91,8 55,429 76,458 -
(133,217) (133,084) (116,723) (118,312)
( )
31 255
-34-
( ) / 1 31 255 ( ) 255
,548 3,237 - - 31,785
2,365 744 - - 3,109 4,104 107 - - 4,211
2,642 - - - 2,642
2,723 (1,179) - - 1,544
16,671 2,851 - - 19,522 34,809 (26,415) - - 8,394
91,862 (20,655) - - 71,207
- (8,637) (980) - - (9,617)
(124,447) - 847 - (123,600)
(133,084) (980) 847 - (133,217) ( ) ( ,635)
( )
31 255
-35-
( ) / 1 31 255 ( ) 255
27,066 1,537 - - 28,603
1,838 571 - - 2,409 4,104 107 - - 4,211
1,392 - - - 1,392
2,665 (1,179) - - 1,486
14,842 2,486 - - 17,328 24,551 (24,551) - - -
76,458 (21,029) - - 55,429
- (1,128) 742 - - (386)
(117,184) - - (116,337)
(118,312) - (116,723)
( ) ( , )
( )
31 255
-36-
31
255 31
255 31
255 31
255 - -
, , - - , , - -
, , - -
, 10,222 - -
, 25,326 - -
31 255 255 . 2 .
16.
31
255 31
255 31
255 31
255 , 21,412 8 498 , 31,419 - - , 52,831 8 498
31 255 794.77 630.00
( 3)
( )
31 255
-37-
. . - ( 3) - ( 2)
-
. . - ( 2) - ( 3) -
. . - ( 3) - ( 2) - - -
. . - ( 12) - ( 13) -
/
. . - ( 3) - ( 2) - - -
. . - ( 13) - ( 2) - -
( )
31 255
-38-
. - - ( 12)
- ( 13) - -
17. -
31 255 31 2558
, - ( ) -
- , -
18. -
31
255 31
255 31
255 31
255 8,417 , 2,427 -
(738) ( ) (261) - 7,679 , 2,166 -
(2,798) ( , ) (439) -
4,881 , 1,727 -
( )
31 255
-39-
19. -
,922,322.28
8 MLR
92,353,650.01
.
, , .
.
, , .
-
, , . 10
/
( 3 )
.
, , .
. (“PKM”) ( (“PKB”))
PKM SPN
PKM SPN
. PKM SPN PKM SPN
( ) PKM SPN PKM SPN
, , , ,
( )
31 255
-40-
31
255 31
255 31
255 31
255 514,931 , , 619,870 (99,246) ( , ) ( , ) (97,580) - 415,685 , , 522,290
20. -
30 2554 27 2554
31 255 31 2558
,672 , (17,101) ( , )
- 63,571 ,
( 13)
( )
31 255
-41-
(1) 62,625,877.4
2564 1,568,000
MLR
, , .
,077,079.3 2,010,462.2
(2) 41,566,225.0
2564 1, ,000
MLR
, ,0 .
,202.3 1,436,881.7
, ,
25
.
MLR , , .
, 16,966,438.3
23,940,354.5
2564
608,000
MLR
6,519,437.
57,000 ,589,843.47
,929,594.1
11,404,901.9
, , .
250,000
MLR
, .
, . 3 ,496.68
( )
31 255
-42-
21.
Projected unit credit
31
255 31
255 31
255 31
255 106,428 , 74,211 62,736
12,137 , 8,168 7,355 - ( , ) - (1,413) ( ) 6,275 , 4,262 5,533 124,840 , 86,641 74,21
124,840
,
86,641
74,21 31 255
: 106,428 74,211
( ) 7,880 5,200 4,257 2,968 - -
118,565 82,379
( )
6,275 4,262
( )
31 255
-43-
31
255 31
255 31
255 31
255
7,880 , 5,200 4,846 4,257 , 2,968 2,509
12,137 , 8,168 7,355
(Actuaria basis)
31 2559 2558 31 2559 2558 ( ) .0 .0
( ) .6 .6 ( )
22. -
17,101,510 3.1647 (33,744,100
) 106,833,875 -
30 2554 - ( )
( )
31 255
-44-
23. ( )
31 255 31 255
414,607,781 414,607,781 414,607,781 414,607,781 79,487,456 79,487,456 79,487,456 79,487,456 106,148,500 106,148,500 106,148,500 106,148,500 600,243,737 600,243,737 600,243,737 600,243,737
1 414,607,781 414,607,781 414,607,781 414,607,781
79,487,456 79,487,456 79,487,456 79,487,456
1 - - - - 1 - - - - 494,095,237 494,095,237 494,095,237 494,095,237
1 414,607,781 414,607,781 414,607,781 414,607,781 1 79,487,456 79,487,456 79,487,456 79,487,456 494,095,237 494,095,237 494,095,237 494,095,237
0.06 414,607,781 8,542,665 414,607,781 8,542,665 0.06 79,487,456 4,769,247 79,487,456 4,769,247
414,607,781 (22,088,943) 414,607,781 (22,088,943)
( 19) 1.06 5 2554
21 2554 ()
( )
31 255
-45-
. 52.99 (52,999,999 1 ) 272.23 (272,230,101 1 ) 52,999,999 1 272.23 (272,230,101 1 ) 600.24 (600,243,737
1 ) 10 2554 9 2554
. ( 19) 142.38 (142,377,680 1 ) 79.49 (79,487,456 1
) 221.87
( ) 30 2554
( 19) :
2554 106,148,50 1
1 0.01 1 10
/ 31 255 ( ) ( )
106,148,500 111,455,925 - - - -
106,148,500 111,455,925
. . 2535 51 (“ ”)
( )
31 255
-46-
24. 3,555,477
1 2,400,000 1 / (
. ) , ,
31 255 3,555,477 1 2,400,000 1
“”
25.
31
255 3
255 31
255 3
255 510,512 , , , - 218,486 - ,6 - - - - 510,512 510,512 477,043 , , , , , - , - , - ( , ) - ( , ) - - - - - - (4,237) ( , ) (4,237) ( , ) 104,640 , 104,640 , 615,152 619,389 581,683 ,
(123,031) (123,878) (116,336) ( , ) - 492,121 495,511 465,347 ,
( )
31 255
-47-
. . ( ) ( ) “ ” “
”
26.
5 ( ) 10
27.
90
28. ( )
( ) :
( ) 31 255 255
( )
31 255
-48-
( ) :
( ) 31 255 255
255 255 255 255 ( / )
( ) ( ) 82,564
,
110,241
,
( ) 414,608 , 414,608 ,
( ) 0.20 . 0.27 .
255 255 255 255 ( / )
( ) ( ) 82,564
,
110,241
,
1 414,608 , 414,608 , 105,147 , 105,147 , ( ) 519,755 , 519,755 ,
( ) 0.16 . 0.21 .
( )
31 255
-49-
29.
31 255 255
255 255 255 255
: (8,1 ) - (7,544) -
:
( , ) (44,299) (20,287) (42,854)
( )
( ) (29,79 ) (44,299) (27,831) (42,854)
255 255
138,072 220,096 20 27,614 20 44,019
(1,043) (4,013) 5,539 3,181 - (24,551)
32,110 18,636
11 2554
( )
31 255
-50-
30.
31 31 255 255 255 255
, 63,761 (17,368) 13,208 , , 2,992,501 1,973,191 1,765,534
740, 734,265 549,408 525,245 85,308 82,480 61,808 51,852
( ) 3,812 (25,531) 11,687 (21,288) ( )
(255) (10,590) 2,853 (9,319)
31.
.
. ( )
( )
31 255
-51-
31.2
1% 3% 6%
1%
3% 6%
MOR 1,000 - 360,800
MOR
( )
31 255
-52-
31.3
31
255 31
255 31
255 31
255
- - , 28,800 - - , 64,286 ( ) - 407 - 407 - - , 58,786
- - - 43 - - - - - -
- 407 ,83 152,322 -
- - , 1,209 - - 467 -
- - 131 - - - 3,366 1,209
- - - 3,600 -
- 407 174,79 15 ,531
( )
31 255
-53-
31
255 31
255 31
255 31
255
- 5,636 3,391
- 3 - - 8,631 5,451 - - 5,967 6,573 - - - 13,644 10,123 - - - 133,954 126,784 - 407 167,832 152,322
6 147.59
( )
31 255
-54-
31
255 31
255 31
255 31
255
-
- - 70,000 ,000 - - 17,000 23,000 - - 145,000 210,000 - - 232,000 343,000
- - 14,38 12,506
- - 8,908 7,380 - - 26,974 14,841 - - 50,2 34,727
- - - 282,2 377,727
1 2559 31 255
110,000 - (40,000) 70,000 23,000 - (6,000) 17,000
210,000 25,000 (90,000) 145,000 343,000 25,000 (136,000) 232,000
MOR ( )
( )
31 255
-55-
31
255 31
255 31
255 31
255
- - 69,145 128,098 - - 5,064 ,
- - 8,543 3,161 - - 56,992 34,125 - - 139,744 ,
- , 39,553 , 31,355
( )
31 255
-56-
31.4
9 8
31 31 2559 2558 2559 2558
- - , 4,988 - - 101 - - , 5,045 - - 11
- - , 10,145
- - , 889,318 - - , 95,032 - - , , - - , 120,281
- - , , , ,
- - , -
, - , -
( )
31 255
-57-
31 31
- - ,675 , - - 6,515 , - - 3,234 2,472 - - 10 12
- - 12 12 - - 4,240 320
( ) - 1,955 - ,
- 1,955 20,686 ,
- - 371 - - - 201 - - - 572 -
- - 1,528 3,121 - - 6,901 7,487 - - 12,132 12,178 - - - 13
- - 20,561 22,799
53,087 41,992 48,630 38,220 3,064 2,817 2,405 2,152
56,151 44,809 51,035 40,372
( )
31 255
-58-
31.5
31 255 255 27 2,346 14 4,039 , 18 -
- , , - , ,
-
- ,
- , , , ,
( )
31 255
-59-
31
,346 27 4,039 , 14 119 224 ,
32.
-
( )
31 255
-60-
31 255 255
31 255
- 1,595.61 738.95 488.29 - 2,822.85 - 740.35 149.56 - - 889.91 (1,747.9 ) (690.52) (324.3 ) - (2,762.7 )
. 197.99 163.9 - 949.9 6.90 2.16 0.88 15.63 25.57
(75.39) (44.52) (58.69) (111.31) (289.91) - - - (483.68) (483.68)
- - - (7.46) (7.46) - - - (53.08) (53.08)
( ) 519.5 155.63 106.1 (639.90) 141.4 - - - - (29.06) (29.06)
( ) 519.5 155.63 106.1 (668.96) 112.3 - - - (29. ) (29. )
( ) 519.5 155.63 106.1 (698.7 ) 82.56
- 0.13 0.57 1.48 1,130.02 1,132.20
( )
31 255
-61-
31 255
- 1,304.21 875.01 449.97 - 2,629.19 - . . . - 921.83
(1,480.90) (911.48) (308.44) - (2,700.82) . . . - 850.20
13.35 (7.57) (0.32) 27.32 32.78 (66.10) (51.91) (41.56) (99.09) (258.6 )
- - - (390.21) (390.21) - - - (7.49) (7.49)
- - - (41.99) (41.99) ( ) . . . (511.46) 184.63
- - - - (30.88) (30.88) ( ) . . . (542.3 ) 153.7
- - - (44. ) (44. ) ( ) . . . ( . ) 109.4
- 0.19 0.76 2.14 1,165.89 1,168.98
( )
31 255
-62-
31 255
- 1,409.23 738.96 381.15 - 2,529.34 - 740.36 149.56 - - 889.92 (1,648.32) (702.10) (267.36) - (2,617.78)
501.27 186.42 113.79 - 801.48 6.90 2.16 0.88 43.38 53.32
(137.96) (50.71) (58.69) (9.07) (256.43) - - - (383.79) (383.79)
- - - (7.05) (7.05) - - - (48.63) (48.63)
( ) 370.21 137.87 55.98 (405.16) 158.90 - - - - (20.83) (20.83)
( ) 370.21 137.87 55.98 (425.99) 138.07 - - - (27.83) (27.83)
( ) 370.21 137.87 55.98 (453.82) 110.24
- 0.13 0.57 1.48 856.59 858.77
( )
31 255
-63-
31 255
- 1,117.12 875.01 345.61 - 2,337.74 - 690.33 220.88 - - 911.21
(1,352.87) (926.37) (230.22) - (2,509.46) 454.58 169.52 115.39 - 739.49
13.35 (7.57) (0.32) 68.03 73.49 (101.46) (62.56) (41.56) (23.10) (228.68)
- - - (297.40) (297.40) - - - (7.10) (7.10)
- - - (38.22) (38.22) ( ) 366.4 99. 73.51 (297.7 ) 241.
- - - - (21.49) (21.49) ( ) 366.4 99. 73.51 (319. ) 220.
- - - (42.85) (42.85) ( ) 366.4 99. 73.51 ( . ) 177.
- 0.19 0.76 2.14 879.24 88 .33
( )
31 255
-64-
33. 33.1
2
33.2
33.3
Natural hedge
31 255 255
31
255 31
255 31
255 31
255 , 2,560 552
2,897,259 , 210,107 159,215 13,539 , 1,413 1,414 264,326 , 264,326 169,266
/ 1,789 , 1,661 1,640 31 31 147
5 - - , - , 483,578 , 483,578 , 861 - -
275 259 33 237 123 300 - , - 8,167 6,056 - , - 69 - - -
( )
31 255
-65-
33.4
33.5
34.
34.1 31
255 31
255
- 60.89 71.11 - . .
. .
11.60 9.63 15.26 11.58
26.86 21.21
( )
31 255
-66-
31 255
31 255
- 120,000 80,000 - 651,974 , - 110,000,000 - - 17,000 -
34.2
31 255
31
255 31
255
- ( ) 207.36 200.77 - ( ) 149.27 149.27
35.
255 2546
21.05
36.
31 255 255 1.40 1.38 : 1 ( 1.16 1.23 : 1 )
( )
31 255
-67-
37. 31 255
31 255
38.
( ) /
, ,
.
.
, , .
39. 23 25
172
173
174
175
176
177
178
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