2556 SMALL IS BEAUTIFUL ( ) 1
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
2556 2556 20,946.9 2555 2554 2553 2552 2556 2555 2554 2553 2552 3.5% 2.3% 2.0% 1.9% 2.1% 726.7 102% 88% 66% 63% 74% - 5,000.0 10,000.0 15,000.0 20,000.0 25,000.0-100.0 200.0 300.0 400.0 500.0 600.0 700.0 800.0 2556 15.16% 0.76% 15.92% 2555 14.74% 2554 12.05% 2553 13.99% 2552 12.31% 2556 2555 2554 2553 2552 5.72% 0.00% 5.00% 10.00% 15.00% 20.00% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 2556 1.8 2555 2554 2553 2552 40.0 90.0 140.0 ( ) 3
SMALL IS EFFICIENCY 4
2556 SMALL IS POWERFUL ( ) 5
SMALL IS SMART 6
2556 SMALL IS BIG ( ) 7
2556 2556 SME 97 ( ) 9
2556 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
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2556 - ( ) - ( ) 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 ( ) 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
2556 * 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) ( ) (...) ( ) ( ) ( ) 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
2556 / ( ) ( ) / Master of Business Administration (MBA) / The Anderson School of UCLA Chartered Financial Analyst (CFA) / CFA Institute ( 15) / 29.30.. () ( ) ( ) ( ) ( ) ( ) ( ) ( ) ( ) 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
2556 2556 * / 31 2556 31 2555 29.30 33.58 (4.28)* - - - - - - 29.30 33.58 (4.28)* - - - * : : : ( ) 21
( ) 18 2550 Northstar 4 ( ) 22
2556 ( ) 23
2 (Term Loan) - 10 ( 90% ) - 10 (O/D) 90% 72 (Effective Rate) ( ) ( ) ( ) 90% ( ) 12 12 72 (Effective Rate) 1,000-10,000,000 SME (Overdraft) 24
2556 (Short Term Loan) (Long Term Loan) (Clean Bill Discount) (Contingent Liability) (Letter of Guarantee) (Aval) (P/N) 1. 2. 3. 4. 5. - 1 2 3 4 5 ( ) 25
(Acceptance) (Domestic Letter of Credit) Letter of Credit Letter of Credit (Beneficiary) (Issuing Bank) - (Hire Purchase) - - - Refinance - - 100% 15 26
2556 2 (General Deposit) (Structured Deposit) (Structured Deposit) ATM : 50,000 100,000 200,000 300,000 400,000 500,000 600,000 1,000,000 3 6 9 12 1 2 1. 2. ( ) 27
(Statement) : 24 36 (General Deposit) : ATM (Passbook) (Fixed Deposit Receipt) 28 - (Passbook) : 3-36 - (Fixed Deposit Receipt) : 1-60 3-36 1 1 : 3-36 2556 6 24 36 2.7% 2556 2
2556 ( ) 11 2555 50 10 2558 10 2559 25 1 11 2559 2552-0022-01 (...) 2553 4 1. 2. ( ) 3. 4. ( ) :... :... : (Long Term Equity Fund: LTF) : 15 500,000 (Retirement Mutual Fund: RMF) : 15 500,000 ( ) 29
2556 2556 2 4 6 1 5 3 1 19 2556 ( ) 2556 2 7 2556 5 240,000 PGS 10,000 3 13-15 2556 VPAT Regional Veterinary Congress 2013 4 9 2556 ( ) 5 20 2556 ( ) 2556 6 20 23 2556 vet fair 2013 5-10 10 7 26 2556 19 1282/13-14.. 8 28 2556 20 920/30.. 74000 30
2556 10 7 9 11 8 12 13 9 7 2556 1 81. - 3... 12130 10 14 2556 2 89/4.6... 11140 12 28 2556 4 144/49.... 21000 13 16 2556 5 175-176.... 41000 11 21 2556 3 159/2 18 10510 ( ) 31
2556 2557 2556 2.9 6.5 2555 2 2556 2556 0.2 2556 2.2 3.0 2557 3.0-4.0 4.0-6.0 32 2557 2.4 2557 1.9-2.9 32-35 2557 2557 () 10
2556 2557 2557 2557 2555 2556 18.. 56 17.. 57 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 (, %) 8.9 1.3 12.0 0.3 (, %) 6.8 1.0 2.9 1.6 (, %) 6.7 0.2 2.7 1.4 (, %) 7.5 4.9 3.8 2.0 (, %) 3.1 4.2 7.0 6.0 (.) 225.9 225.4 241.0 241.0 (, %) 2/ 3.1 (0.2) 7.0 5.0-7.0 (, %) 2/ 2.5 0.2 6.0 4.0-6.0 (, %) 6.2 2.3 6.2 4.6 (.) 1/ 219.0 219.0 236.0 231.6 (, %) 2/ 8.8 (0.4) 6.7 5.7 (, %) 2/ 7.1 1.7 6.2 5.2 (.) 1/ 6.0 6.4 5.8 9.6 (.) 1/ (1.5) (2.8) (2.5) (0.6) GDP (%) (0.4) (0.6) (0.6) (0.2) (%) 3.0 2.2 2.1-3.1 1.9-2.9 GDP Deflator 1.3 1.7 2.1-3.1 1.9-2.9 :, 17 2557 : 1/ 6 IMF 2/ ( ) 33
() 31 2556 2555 2556 2555 ( ) 516.0 570.1 (54.1) (9.49) 337.1 1,699.2 (1,362.1) (80.16) 4,505.1 2,040.5 2,464.6 120.78 21,478.5 19,613.2 1,865.3 9.51 99.2 96.6 2.6 2.69 21,577.7 19,709.8 1,867.9 9.48 (531.6) (506.5) (25.1) 4.96 (720.8) (378.6) (342.2) 90.39 (20.3) (13.6) (6.7) 49.26 20,305.0 18,811.1 1,493.9 7.94 21.1 49.1 (28.0) (57.03) 115.0 93.4 21.6 23.13 84.2 69.3 14.9 21.50 72.9 53.2 19.7 37.03 179.6 127.3 52.3 41.08 26,136.0 23,513.2 2,622.8 11.15 34
2556 () 31 2556 2555 2556 2555 ( ) 21,760.3 18,722.6 3,037.7 16.22 1,491.2 2,185.9 (694.7) (31.78) 46.2 59.2 (13.0) (21.96) 14.5 184.5 (170.0) (92.14) 29.7 51.9 (22.2) (42.77) 301.8 344.1 (42.3) (12.29) 23,643.7 21,548.2 2,095.5 9.72 3,000.0 2,500.0 500.0 20.00 3.0 1.8 1.2 66.67 2.3 2.3 0.0 0.00 ( ) (513.0) (539.1) 26.1 (4.84) 2,492.3 1,965.0 527.3 26.83 - - - - 2,492.3 1,965.0 527.3 26.83 26,136.0 23,513.2 2,622.8 11.15 ( ) 35
() 31 2556 2555 2556 2555 ( ) 2,194.9 1,954.5 240.4 12.30 774.4 785.6 (11.2) (1.43) 1,420.5 1,168.9 251.6 21.52 133.8 89.2 44.6 50.00 41.9 33.5 8.4 25.07 91.9 55.7 36.2 64.99 ( ) (1.0) 0.5 (1.5) (300.00) 143.8 67.6 76.2 112.72 1,655.2 1,292.7 362.5 28.04 590.5 454.2 136.3 30.01 5.9 6.7 (0.8) (11.94) 175.1 166.7 8.4 5.04 42.3 42.7 (0.4) (0.94) 302.0 257.5 44.5 17.27 1,115.8 927.8 188.0 20.26 546.1 505.3 40.8 8.07 ( ) (6.7) (140.4) 133.7 (95.24) 8.5 19.2 (10.7) (55.73) ( ) 1.8 (121.2) 123.0 (101.50) 36
2556 2556 1.8 123.0 2555 121.2 2556 1,420.5 251.6 21.5 2555 2556 5.72 2555 0.56 2556 234.6 111.8 89.5 2555 1,115.8 188.0 20.3 927.8 2555 136.3 67.4 2556 546.1 40.8 31 2556 741.1 225.6 145.6 102.0 87.5 2555 31 2556 26,136.0 2,622.8 11.2 1,840 2,464.6 1,362.1 726.7 3.5 2555 279.1 31 2556 23,643.7 21,548.2 2555 2,095.5 9.7 3,037.7 16.2 694.7 31.8 31 2556 21,760.3 16.2 2555 96.3 2,492.3 1,965.0 2555 527.3 26.8 500.0 2556 26.1 2556 ( ) 37
1) (ALCO) 2) (Strategic Risk) 2556 2555 38
2556 31 2556 204.3 2555 60.87 ( ) 31 2555 31 2556 206 409 127 204 333 613 (Credit Risk) (On Balance Sheet) (Off Balance Sheet) (Check and Balance) (Risk-based authority) 1. 2. 2 (Co-Sign) Risk Dashboard (Risk Indicators) Trigger Action Plan Trigger Point Risk Dashboard Portfolio Portfolio ( ) 39
(Stress Testing) (Check and Balance) (Risk-based authority) (Product Program) (Market Risk) (ALCO) Repricing Gap (Net Interest Income Sensitivity) 12 1-2 (Liquidity Risk) 40
2556 2556 Liquidity Risk Dashboard Risk Indicator Trigger Point Risk Indicator Action Plan Trigger Point (Management Action Triggers) (Early Warning System) (Contingency Funding Plan) Liquidity Gap / (Liquidity Risk Limits) (Behavioural Scenarios) (Stress-Test Scenarios) 12 6 (Operational Risk) ( ) 41
2556 Operation Risk Dashboard Operation Risk Dashboard 2555 (Risk and Control Self Assessment : RCSA) (Key Risk Indicators: KRIs) (Risk Monitoring) (Risk Reporting) KRIs (Early Warning Signal) / (Incident and Loss Management : ILM) ( BCP) 3) Basel III 2556 500 31 2556 15.9 8.5 31 2555 31 2556 ( ) 2,042 2,494 15.86 15.92 42
2556 3 2 1 2556 5 (Self Assessment) 2555 ( ) ( ) 43
1. 3,000,000,000 300,000,000 10 3,000,000,000 300,000,000 - - 2. 31 2556 10 (%) 1. Polaris Capital Investment Limited 25.00 2. ( ) 19.71 3. 9.49 4. 9.13 5. 9.05 6. 7.64 7. 6.45 8. 4.52 9. 3.59 10. 2.20 3. ( ) 44 48. 1 ( ) 4. 3/2556 27.. 2556 50 90 50 90 2556-2556 78.56-2556 11,788,205 ( ) 2.09 90 1 2556 2556 6,213,070 ( )
2556 1. 9 15 2556 1 1. 2. 3. 4. 5. 6. - 7. 8. 9. 31 2 1. 2. 3. 4. 5. ( ) 45
6... 2499.. 2535.. 2551 7. 8. 9. 10. 11. 12. 1. 2. 3. 4. 5. / 6. 7. 8. 9. 2. 3 1. 2. 3. 1. 2. 3. 46
2556 4. 5. 6. 7. 8. 9. 10. 3 1. 2. 3. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 3 1. 2. 3. - 1. ( ) 47
2. 2.1 2.2 2.3 3. 4. 5. 6. 9 1. 2. 3. 4. 5. 6. 48 7. 8. 9. 1. 2. 3. 4. (Business Continuity Plan) 5. 6. 7. 8. 9.
2556 11 1. 2. 3. 4. IT Steering 5. 6. 7. 8. 2 9. 10. 11. 3. :.28/2551 15 2551 (1) (2) (3) (4) (5) (6) ( ) 49
(7) (8) (1) (8) (Collective Decision) 4 1. 2. 3. 4. 4. 4.1 4.2 4.2.1 1. 3 1) 2) 3) 4) 2. 4.2.2 2556 2,930,000 50
2556 1. 20,000 - - - 20,000 2. 190,000-400,000 45,000 635,000 3. 70,000-560,000-630,000 4. 120,000-480,000 95,000 695,000 5. 120,000 - - 75,000 195,000 6. 80,000-480,000-560,000 7. - 100,000 80,000-15,000 195,000 8. - - - - - 9. - - - - - 10. - - - - - 700,000 80,000 1,920,000 230,000 2,930,000 1. 8, 9, 10 2. 1 31 2556 15 2556 3. 2 31 2556 4. 3 20 2556 5. 4 31 2556 6. 7 30 2556 2556 ( ) 5 18,867,232.03 2 552,386.00 2 14,700.00 5 19,434,318.03 2556 ( ) - - - - / 2556 ( ) / - - - - 2556 ( ) 4 17,909.00 4 17,909.00 ( ) 51
5. : : : / : - - 6. * 1/5 - - - 12/12-5/5 3/3 ** 7/7-7/7-12/12-12/12 5/5 8/12-8/12-12/12 - - 5/5-10/12 8/10-1/1 12/12 12/12 - - 12/12 12/12 - - 12/12 12/12 - - * ** 52
2556 7. 8. 9. 1. 2. 3. 4. 5. 6. ( ) 53
10. www.tcrbank.com 11. 4R Retention ( ) Relationship ( ) Referral ( ) Recovery ( ) 12. (Call Center) 13. 2556 (Compulsory Program) (Core Values) 14. (N1) Compliance Coordinator 54
( ) 31 2556 31 2556 56
2556 ( ) 3 1. 2. 3. 2556 20 2556 ( 5/2556 31 2556) 2556 12 1. 2. ( ) 57
3. 4. 5. 6. 7. 58
2556 ( ) ( ) ( ) 31 2556 ( ) 59
( ) ( ) 31 2556 4 12 31 2555 31 2555 1 2555 27 2557 4301 60
2556 ( ) 31 2556 31 31 1 31 31 1 2556 2555 2555 2556 2555 2555 516,021 570,063 450,288 515,968 569,196 449,478 7.2 337,125 1,699,187 597,002 335,236 1,697,109 593,178 7.3 4,505,092 2,040,517 1,284,388 4,505,092 2,040,517 1,284,388 7.4 - - - 571,495 571,495 571,495 7.5 21,478,477 19,613,226 19,561,749 20,113,519 17,920,789 18,383,516 99,286 96,602 116,252 99,668 96,674 117,613 21,577,763 19,709,828 19,678,001 20,213,187 18,017,463 18,501,129 (531,607) (506,475) (337,451) (1,605) (3,666) (4,162) 7.6 (720,829) (378,608) (253,687) (592,574) (319,320) (215,396) 7.7 (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 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 45,270 7.11 72,919 53,167 18,524 41,298 35,504 7,417 7.12 179,603 127,314 226,833 133,853 82,171 202,781 26,136,038 23,513,195 21,822,051 25,902,460 22,862,334 21,529,670 ( ) 61
( ) ( ) 31 2556 31 31 1 31 31 1 2556 2555 2555 2556 2555 2555 7.13 21,760,252 18,722,557 14,597,845 21,756,802 18,797,952 14,598,245 7.14 1,491,180 2,185,871 1,886,648 1,326,180 1,715,871 1,783,148 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 3,000,000 250,000,000 10 2,500,000 2,500,000 200,000,000 10 2,000,000 2,000,000 3,035 1,850 (2,072) 3,035 1,850 (2,072) 7.19 2,300 2,300 2,300 2,300 2,300 2,300 ( ) (512,971) (539,143) (417,927) (530,105) (567,408) (439,022) 2,492,364 1,965,007 1,582,301 2,475,230 1,936,742 1,561,206 (2) (1) (2) - - - 2,492,362 1,965,006 1,582,299 2,475,230 1,936,742 1,561,206 26,136,038 23,513,195 21,822,051 25,902,460 22,862,334 21,529,670 62
2556 ( ) 31 2556 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) ( ) 63
( ) ( ) 31 2556 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 64
2556 ( ) 31 2556 - ( ) ( ) 1 2555 2,000,000 (2,590) 2,300 (435,933) 1,563,777 (2) 1,563,775 4-518 - 18,006 18,524-18,524 1 2555 2,000,000 (2,072) 2,300 (417,927) 1,582,301 (2) 1,582,299 500,000 - - - 500,000-500,000 ( ) - 3,922 - (121,216) (117,294) 2 (117,292) - - - - - (1) (1) 31 2555 2,500,000 1,850 2,300 (539,143) 1,965,007 (1) 1,965,006 1 2556 2,500,000 2,313 2,300 (592,772) 1,911,841 (2) 1,911,839 4 - (463) - 53,629 53,166 1 53,167 1 2556 2,500,000 1,850 2,300 (539,143) 1,965,007 (1) 1,965,006 500,000 - - - 500,000-500,000-1,185-26,172 27,357-27,357 - - - - - (1) (1) 31 2556 3,000,000 3,035 2,300 (512,971) 2,492,364 (2) 2,492,362 ( ) 65
( ) ( ) 31 2556 - ( ) ( ) 1 2555 2,000,000 (2,590) 2,300 (445,920) 1,553,790 4-518 - 6,898 7,416 1 2555 2,000,000 (2,072) 2,300 (439,022) 1,561,206 500,000 - - - 500,000 ( ) - 3,922 - (128,386) (124,464) 31 2555 2,500,000 1,850 2,300 (567,408) 1,936,742 1 2556 2,500,000 2,313 2,300 (603,375) 1,901,238 4 - (463) - 35,967 35,504 1 2556 2,500,000 1,850 2,300 (567,408) 1,936,742 500,000 - - - 500,000-1,185-37,303 38,488 31 2556 3,000,000 3,035 2,300 (530,105) 2,475,230 66
2556 ( ) 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 ( ) 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
2556 ( ) 31 2556 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 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 ( ) 69
( ) 31 2556 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 70
2556 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) ( ) 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
2556 3. 3.1 ( ) 3 2551 3 2551 3.2 1 2551 1 2551 ( ) 73
74 3.3 3 2553 3.4 ( ) ( ) ( ) ( ) ( ) ( ) ( ) Settlement Date
2556 3.5 3.6 3 2551 9 2552 ( ) 75
3.7 ( ) ( ) 3.8 3.9 ( ) 10 3-5 5 5 3.10 ( ) ( ) 76
2556 5 3.11 3-20 3.12 3.13 3.13.1.. 2530 3.13.2 (Projected Unit Credit Cost Method) ( ) 77
78 ( ) ( ) 3.14 3.15 3.16 Option Pricing Model (Binomial) 3.17 3.17.1
2556 3.17.2 ( ) 3.18 ( ) ( ) ( ) 3.19 ( ) 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 29,068 35,623 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
2556 (Check and Balance) (Risk-based authority) (Product Program) 5.1.2 Repricing Gap (Net Interest Income Sensitivity) 12 ( ) 81
31 2556 31 2555 1 2555 31 2556 0-3 3-12 1-5 5 3,753 - - - - 333,372 337,125 2,179,114 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 - - - 21,760,252 682,810 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 1,438,658 21,433 5,251 - - 233,845 1,699,187 978,070 918,038 120,376 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 - - - 18,722,557 974,305 375,000 836,566 - - - 2,185,871 - - - - - 59,252 59,252 145,000 25,000 14,500 - - - 184,500 * 82
2556 1 2555 0-3 3-12 1-5 5 224,416 48,382 33,964 - - 290,240 597,002 618,929 649,932 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 - - - 14,597,845 1,557,648 15,000 314,000 - - - 1,886,648 - - - - - 67,455 67,455 1,462,659 1,851,945 24,500 - - - 3,339,104 * 31 2556 0-3 3-12 1-5 5 3,753 - - - - 331,483 335,236 2,179,114 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 - - - 21,756,802 525,310 77,000 723,870 - - - 1,326,180 - - - - - 46,245 46,245 1,200 13,300 - - - - 14,500 * ( ) 83
31 2555 0-3 3-12 1-5 5 1,439,330 21,433 5,251 - - 231,095 1,697,109 978,070 918,038 120,376 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 - - - 18,797,952 569,305 310,000 836,566 - - - 1,715,871 - - - - - 59,252 59,252 10,000 10,000 14,500 - - - 34,500 * 1 2555 0-3 3-12 1-5 5 220,592 48,382 33,964 - - 290,240 593,178 618,929 649,932 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 - - - 14,598,245 1,454,148 15,000 314,000 - - - 1,783,148 - - - - - 67,455 67,455 1,414,074 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 7,078,587 11,258,803 10,087,279 11,281,020 11,592,520 10,494,880 11,300,767 20,946,870 19,106,751 19,224,298 20,111,914 17,917,123 18,379,354 84
2556 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 ( ) 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
2556 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 - - 18,722,557 479,305 495,000 375,000 836,566 - - 2,185,871 59,252 - - - - - 59,252 1,000 144,000 25,000 14,500 - - 184,500 * ( ) 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 - - 21,756,802 518,310 7,000 77,000 723,870 - - 1,326,180 46,245 - - - - - 46,245-1,200 13,300 - - 14,500 * 88
2556 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 - - 18,797,952 479,305 90,000 310,000 836,566 - - 1,715,871 59,252 - - - - - 59,252 1,000 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 - - 14,598,245 477,253 976,895 15,000 314,000 - - 1,783,148 67,455 - - - - - 67,455 37,862 1,376,212 1,851,945 24,500 - - 3,290,519 * ( ) 89
5.2 31 2556 31 2555 1 2555 31 2556 31 2555 1 2555 516,021 516,021 570,063 570,063 450,288 450,288 337,125 337,125 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 1,284,388 20,315,490 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 14,597,845 1,491,180 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 67,455 14,500 14,500 184,500 184,500 3,339,104 3,339,104 31 2556 31 2555 1 2555 515,968 515,968 569,196 569,196 449,478 449,478 335,236 335,236 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 1,284,388 19,598,670 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 14,598,245 1,326,180 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 67,455 14,500 14,500 34,500 34,500 3,290,519 3,290,519 90 ( ) 3.4
2556 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 2,000,000 2,300 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 ( ) 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
2556 6.3 6.4 6.5 6.6 ( ) 93
7. 7.1 31 2556 2555 2556 2555 2556 2555 1,481 4,903 1,481 4,903 19,438 22,499 19,438 22,499 2,675 1,213 2,675 1,213 1,893 8,610 1,893 8,610 2,292 7,330 2,292 7,330 7.2 ( ) 31 2556 31 2555 1 2555 31 2556 31 2555 1 2555 270,910-270,910 191,401 380,000 571,401 259,946 200,000 459,946 62,497-62,497 842,034-842,034 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 270,910-270,910 191,401 380,000 571,401 259,946 200,000 459,946 60,608-60,608 839,957-839,957 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
2556 7.3 31 2556 31 2555 1 2555 31 31 1 2556 2555 2555 4,264,168 2,018,078 1,282,458 200,504 20,511-4,464,672 2,038,589 1,282,458 / / / 38,700 208 210 38,700 208 210 1,720 1,720 1,720 1,720 1,720 1,720 4,505,092 2,040,517 1,284,388 31 2556 31 2555 1 2555 ( 7.20) ( ) 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 221,429 176,375 210,829 221,429 176,374 230,576 12,571,997 11,003,431 11,821,729 12,571,997 11,003,431 11,821,729 377,908 456,754 658,281 1,105,608 636,754 777,781 8,287,320 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 45,164 21,478,477 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
2556 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 - 47,686 2,484,956 165,094 14,414 32,006 31,683 2,728,153 1,177,390 68,608 2,622-22,821 1,271,441 1,153,271 125,675 2,197 5,574 47,974 1,334,691 5,029,065 380,707 75,283 68,830 64,613 5,618,498 8,657,054 930,862 185,035 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 - - - - 2,715 1,097,947 17,289 20,406-10,006 1,145,648 876,508 5,330 2,836 13,382 75,620 973,676 321,208 21,557 - - 50,396 393,161 5,689,115 296,459 64,826 14,506 10,971 6,075,877 9,693,008 638,037 111,825 48,241 24,563 10,515,674 * 17,680,501 978,672 199,893 76,129 171,556 19,106,751 * ( ) 97
1 2555 3,400 - - - - 3,400 1,071,640 23,957 3,410 17,075 8,614 1,124,696 757,439 75,133 - - 31,001 863,573 172,013 126,004 - - 1,087 299,104 6,391,119 343,199 25,929 93,628 92,708 6,946,583 9,467,238 407,971 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 - 47,686 2,484,956 165,094 14,414 32,006 31,683 2,728,153 1,177,390 68,608 2,622-22,821 1,271,441 1,153,271 125,675 2,197 5,574 47,974 1,334,691 5,029,065 380,707 75,283 68,830 64,613 5,618,498 8,180,758 669,183 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 - - - - 2,715 1,097,947 17,289 20,406-10,006 1,145,648 876,508 5,330 2,836 13,382 75,620 973,676 321,208 21,557 - - 50,396 393,161 5,689,115 296,458 64,826 14,506 10,972 6,075,877 8,697,504 481,109 75,960 46,911 24,562 9,326,046 * 16,684,997 821,743 164,028 74,799 171,556 17,917,123 * 98
2556 1 2555 3,400 - - - - 3,400 1,071,640 23,957 3,410 17,075 8,614 1,124,696 757,439 75,134 - - 31,001 863,574 172,013 126,004 - - 1,087 299,104 6,391,119 343,199 25,929 93,628 92,708 6,946,583 8,765,708 280,387 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 57,525 1,682,764 701,674 2 13,995 279,551 189,279 100 188,060 201,411 116,449 100 116,182 245,690 119,552 100 119,446 21,046,156 6,887,792 495,208 2. 225,621 * 720,829 * ( ) 99
31 2555 ( ) 1.. 17,769,467 5,447,898 1 54,479 986,308 477,033 2 9,532 199,893 111,420 100 111,420 76,129 34,765 100 34,765 171,556 32,144 100 32,144 19,203,353 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 5,559 62,972 30,350 100 30,350 157,478 58,114 100 58,114 164,735 59,007 100 59,007 19,340,550 5,498,693 203,762 2. 49,925 * 253,687 * 100
2556 31 2556 ( ) 1.. 18,160,826 5,284,542 1 52,762 1,421,085 439,995 2 8,762 187,918 97,646 100 96,427 196,070 111,107 100 110,839 245,683 119,546 100 119,441 20,211,582 6,052,836 388,231 2. 204,343 * 592,574 * 31 2555 ( ) 1.. 16,774,035 4,452,394 1 44,523 829,379 320,104 2 6,393 164,028 75,556 100 75,556 74,799 33,435 100 33,435 171,556 32,144 100 32,144 18,013,797 4,913,633 192,051 2. 127,269 * 319,320 * ( ) 101
1 2555 ( ) 1.. 17,271,459 4,373,096 1 43,731 856,154 150,374 2 3,007 47,719 15,098 100 15,098 156,914 57,549 100 57,549 164,721 58,992 100 58,992 18,496,967 4,655,109 178,377 2. 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
2556 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 1,123,127 408 770,802 163 431,318 74,446 20,946,870 69,250 19,106,751 53,731 19,224,298 31 2556 31 2555 1 2555 ( ) ( ) ( ) 411 1,123,127 408 770,802 163 431,318 26,240 20,111,914 27,403 17,917,123 23,375 18,379,354 ( ) 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 592,306 522,225 144,358 354,393 93,097 188,471 40,010 56,830 22,083 25,561 2,974 46,534 88,946 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
2556 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 ( ) 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
2556 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 ( ) 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
2556 7.8 31 2556 31 2555 1 2555 1 2556 31 4,749 - - 4,749 89,514 437,161 (493,850) 32,825 94,263 437,161 (493,850) 37,574 (45,186) (181,576) 210,336 (16,426) 49,077 255,585 (283,514) 21,148 1 2555 31 4,749 - - 4,749 25,599 342,149 (278,234) 89,514 30,348 342,149 (278,234) 94,263 (8,306) (155,133) 118,253 (45,186) 22,042 187,016 (159,981) 49,077 ( ) 109
1 2556 31 4,750 - - 4,750 63,553 161,606 (205,101) 20,058 68,303 161,606 (205,101) 24,808 (35,076) (65,315) 89,372 (11,019) 33,227 96,291 (115,729) 13,789 1 2555 31 4,750 - - 4,750 9,465 109,020 (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
2556 7.9 31 2556 31 2555 1 2555 1 / 2556 / 31 1 / / 31 62,032 15,802-77,834 (18,905) (6,688) - (25,593) 52,241 95,532 14,706 (182) 110,056 (62,954) (11,706) 157 (74,503) 35,553 76,162 20,754-96,916 (58,973) (11,138) - (70,111) 26,805 1,688 - - 1,688 (1,172) (154) - (1,326) 362-318 (318) - - - - - - 235,414 51,580 (500) 286,494 (142,004) (29,686) 157 (171,533) 114,961 31 2556 29,686 ( ) 111
1 / 2555 / 31 1 / / 31 52,456 13,131 (3,555) 62,032 (14,595) (5,971) 1,661 (18,905) 43,127 76,915 20,932 (2,315) 95,532 (53,044) (10,639) 729 (62,954) 32,578 71,588 7,913 (3,339) 76,162 (51,674) (10,635) 3,336 (58,973) 17,189 1,598 90-1,688 (842) (330) - (1,172) 516 8,439 1,367 (9,806) - - - - - - 210,996 43,433 (19,015) 235,414 (120,155) (27,575) 5,726 (142,004) 93,410 31 2555 27,575 31 2556 31 2555 1 2555 97.90 75.77 19.92 112
2556 1 / 2556 / 31 1 / / 31 62,032 15,802-77,834 (18,905) (6,688) - (25,593) 52,241 80,902 12,097 (180) 92,819 (57,731) (8,611) 152 (66,190) 26,629 74,605 18,762-93,367 (57,928) (10,540) - (68,468) 24,899 217,539 46,661 (180) 264,020 (134,564) (25,839) 152 (160,251) 103,769 31 2556 25,839 ( ) 113
1 / 2555 / 31 1 / / 31 52,456 13,131 (3,555) 62,032 (14,595) (5,971) 1,661 (18,905) 43,127 67,273 15,467 (1,838) 80,902 (49,677) (8,406) 352 (57,731) 23,171 70,449 7,493 (3,337) 74,605 (50,981) (10,283) 3,336 (57,928) 16,677 8,439 - (8,439) - - - - - - 198,617 36,091 (17,169) 217,539 (115,253) (24,660) 5,349 (134,564) 82,975 31 2555 24,660 31 2556 31 2555 1 2555 95.91 74.92 19.03 114
2556 7.10 31 2556 31 2555 1 2555 1 2556 31 66,121 10,820-76,941 32,621 - - 32,621 18,415 14,193 (4,251) 28,357 117,157 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 1 2555 31 55,814 10,779 (472) 66,121 32,621 - - 32,621-26,939 (8,524) 18,415 88,435 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 ( ) 115
1 2556 31 66,069 9,865-75,934 32,621 - - 32,621 18,414 14,193 (4,251) 28,356 117,104 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 1 2555 31 55,814 10,727 (472) 66,069 32,621 - - 32,621-26,939 (8,525) 18,414 88,435 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
2556 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 1 2556 2556 ( ) 31 2556 43,251 29,675-72,926 9,037 (5,752) - 3,285 10,375 1,658 (6,094) 5,939 3-195 198 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) ( ) 117
1 2555 2555 ( ) 31 2555 17,121 26,130-43,251 1,661 7,376-9,037 281 (281) - - 8,240 2,135-10,375 533 - (530) 3 27,836 35,360 (530) 62,666 (9,297) 266 - (9,031) - (3) - (3) (15) - (450) (465) (9,312) 263 (450) (9,499) 1 2556 2556 ( ) 31 2556 30,479 14,608-45,087 7,015 (4,811) - 2,204 7,507 1,172 (5,441) 3,238 2-196 198 45,003 10,969 (5,245) 50,727 (9,031) 592 - (8,439) (3) (29) - (32) (465) - (493) (958) (9,499) 563 (493) (9,429) 118
2556 1 2555 2555 ( ) 31 2555 9,464 21,015-30,479 697 6,318-7,015 281 (281) - - 5,754 1,753-7,507 533 - (531) 2 16,729 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 16,697 20,898 10,267 9,158 37,497 9,478 9,346 7,861 5,231 879 7,382 1,695 873 1,358 1,774 1,261 1,358 1,774 1,261 23,042 17,882 12,976 21,478 16,387 11,782 6,610 16,677 131,740 - - 123,337 33,882 27,606 13,547 11,295 7,878 2,138 72,833 33,555 40,575 41,810 30,773 37,347 179,603 127,314 226,833 133,853 82,171 202,781 ( ) 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 34,341 14,810,745 12,907,776 8,292,423 14,810,745 12,907,776 8,292,707 6,899,228 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 14,597,845-14,597,845 21,760,252-21,760,252 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 14,598,245-14,598,245 21,756,802-21,756,802 18,797,952-18,797,952 14,598,245-14,598,245 120
2556 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 22,500-814,000 814,000 518,203 70,000 588,203 478,586 400,000 878,586 477,250 391,895 869,145 518,310 972,870 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 22,500-814,000 814,000 518,203 70,000 588,203 478,586 400,000 878,586 477,250 391,895 869,145 518,310 807,870 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 3,339,104-3,339,104 14,500-14,500 184,500-184,500 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 ( ) 121
31 2556 31 2555 1 2555 14,500-14,500 34,500-34,500 3,290,519-3,290,519 14,500-14,500 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 23,910 7,451 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 7,765 833 1,498 427 1,002 8,284 10,676 5,858 8,767 122
2556 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 8,289 8,954 10,058 6,208 8,954 10,058 6,208 79,906 110,015 70,231 79,891 109,598 69,611 55,554 67,664 48,220 43,522 33,911 20,928 2,292 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 2,376 11,304 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 ( ) 123
23 2556 2556 2,500 3,000 50 10 500 27 2556 31 2556 2555 2556 2555 1 250,000,000 200,000,000 25,753,425 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 1,080,000 550,000 676 676 476 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
2556 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 31,872 509,003 795,219 836,563 509,003 795,219 836,563 82,713 69,836 48,812 82,713 69,836 48,812 - - - - 78,000 31,415 - - 8,601 - - 8,601 - - - - - 34 5 382 4,135 4,571 382 4,135 4,571 106 327 225 106 327 225 ( ) 125
31 2556 2555 2556 2555 2556 2555 - - - 17,068 7,255-336 - 336 - - - 275 353 10,148 14,194 10,148 14,194 1,425 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 34,014 2,216 3,521 1,786 2,620 83,776 48,548 72,724 36,634 126
2556 7.24 31 2556 ( ) 1 2557-31 2557 37,878 1 2558-31 2561 27,464 1 2562 294 65,636 1 2557-31 2557 65,790 1 2558-31 2561 114,621 1 2562 560 180,971 1 2557-31 2557 11,560 1 2558-31 2561 13,590 25,150 31 2555 ( ) 1 2556-31 2556 36,857 1 2557-31 2560 38,909 1 2561 333 76,099 1 2556-31 2556 64,829 1 2557-31 2560 167,496 1 2561 560 232,885 1 2556-31 2556 14,683 1 2557-31 2560 24,836 39,519 ( ) 127
1 2555 ( ) 1 2555-31 2555 33,717 1 2556-31 2559 38,283 1 2560 371 72,371 1 2555-31 2555 55,065 1 2556-31 2559 167,921 1 2560 21,445 244,431 1 2555-31 2555 7,890 1 2556-31 2559 9,951 17,841 31 2556 ( ) 1 2557-31 2557 37,625 1 2558-31 2561 27,095 1 2562 294 65,014 1 2557-31 2557 64,733 1 2558-31 2561 114,221 1 2562 560 179,514 1 2557-31 2557 10,602 1 2558-31 2561 13,306 23,908 128
2556 31 2555 ( ) 1 2556-31 2556 31,492 1 2557-31 2560 30,122 1 2561 333 61,947 1 2556-31 2556 63,638 1 2557-31 2560 166,428 1 2561 560 230,626 1 2556-31 2556 13,202 1 2557-31 2560 23,800 37,002 1 2555 ( ) 1 2555-31 2555 29,481 1 2556-31 2559 37,454 1 2560 371 67,306 1 2555-31 2555 53,843 1 2556-31 2559 166,658 1 2560 21,445 241,946 1 2555-31 2555 6,499 1 2556-31 2559 8,841 15,340 ( ) 129
7.25 7.26 31 2556 2555 2556 2555 2556 2555 54,189 17,219 54,189 17,217 92,394 47,670 92,394 47,670 1,066,221 1,011,097 1,083,288 1,018,945 982,056 878,493 532,749 511,649 2,194,860 1,954,479 1,762,620 1,595,481 7.27 31 2556 2555 2556 2555 2556 2555 638,218 602,441 638,493 602,517 33,960 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
2556 7.28 31 2556 2555 2556 2555 2556 2555 727 348 729 349 83,226 42,883 83,226 42,883 35,549 30,287 9,119 7,751 14,259 15,714 13,556 15,983 133,761 89,232 106,630 66,966 ATM 11,284 10,430 11,032 10,146 12,181 8,733 4,353 3,010 18,402 14,957 13,400 9,815 41,867 34,120 28,785 22,971 91,894 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 ( ) 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 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) ( ) 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 ( ) 333 232 144,195 4,610 ( ) 333 232 64,695 4,610 7.35 31 2556 27 2557 134
2556 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 ( ) 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 136 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
2556 ( - ) 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 ( ) 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
2556 ( 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 ( ) 139
121.. 25 121/76 10400 0 2248 2525 0 2248 6889 345 10220 025217059-62 025217061 418-419 6-12000 0 2567 2923-5 0 2567 2924 47/3 4 73160 0 2429 0970, 0 2429 0994, 024290913 024290994 9/19-20 5 10280 0 2389 1717-20, 0 2703 8339 0 2389 1718 177, 179 6 20130 038394224, 038394226-7 038394225 117/5 21000 038619462-4 038619465 30/253 7 22000 039 328 478, 039 328 480, 039328410 039328479 140 203 70000 032 332 245, 032 332 247-8 032332246 1282/12 30000 044248884 044248883 2 108/4 4 2 10160 028053178 028053178 23/31 3 20000 038394224 038394225 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