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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Message from the Board of Directors Mr. Suphadej Poonpipat
Mr. Somjate Moosirilert
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Mr. Banterng Tantivit 8]V^gbVc I]VcVX]Vgi 7Vc` EjWa^X 8dbeVcn A^b^iZY
Dear Shareholders, >c i]Z eVhi nZVg! i]Z I]V^ ZXdcdbn ZmeZg^ZcXZY higdc\ \gdli] gZhjai^c\ [gdb i]Z gZXdkZgn d[ i]Z \adWVa VcY gZ\^dcVa ZXdcdb^Zh ^c Vabdhi Vaa [VXZih! ^cXajY^c\ egdYjXi^dc! Zmedgi! idjg^hb! Xdchjbei^dc VcY eg^kViZ ^ckZhibZci# 9Zhe^iZ WZ^c\ Xdc[gdciZY l^i] bVcn jc[VkdgVWaZ [VXidgh! hjX] Vh eda^i^XVa jcgZhi! cVijgVa Y^hVhiZgh d[ ]ZVkn [addY^c\ VcY Ygdj\]i! i]Z VeegZX^Vi^dc d[ i]Z I]V^ WV]i VcY ]^\]Zg ^c[aVi^dc! i]Z I]V^ ZXdcdbn ^c '%&% hi^aa ZmeVcYZY Wn ,#- eZgXZci! ]^\]Zg i]Vc egZk^djhan ZmeZXiZY# I]^h lVh V [VkdgVWaZ [VXidg [dg I]V^ XdbbZgX^Va WVc`h ^c '%&% nZi i]ZgZ gZbV^cZY bVcn X]VaaZc\Zh! ^cXajY^c\ ^cXgZVh^c\ bVg`Zi ^ciZgZhi gViZh! higdc\ XdbeZi^i^dc [gdb adXVa VcY ^cXgZVh^c\an ]ZVai]n ^ciZgcVi^dcVa WVc`h VcY YjZ id i]Z d[[^X^Va hjeZgk^h^dc bZVhjgZh! l]^X] V^b id ZaZkViZ I]V^ [^cVcX^Va ^chi^iji^dch id bZZi higdc\Zg ^ciZgcVi^dcVa hiVcYVgYh# CdcZi]ZaZhh! Vaa I]V^ XdbbZgX^Va WVc`h Z[[ZXi^kZan XdeZY l^i] i]ZhZ [VXidgh VcY gZbV^cZY [^cVcX^Vaan higdc\! \ZcZgVi^c\ hVi^h[VXidgn eZg[dgbVcXZ [dg i]Z nZVg# '%&% lVh V nZVg d[ h^\c^[^XVci VX]^ZkZbZci VcY igVch[dgbVi^dc [dg i]Z 7Vc` VcY XdbeVc^Zh ^c i]Z <gdje! l^i] higdc\ \gdli] ^c djg dg\Vc^X gZiV^a VcY XdgedgViZ WVc`^c\ Wjh^cZhhZh \ZcZgVi^c\ ]^\]Zg \gdli] ^c egd[^ih# >c VYY^i^dc! [daadl^c\ i]Z H]VgZ]daYZghÉ VeegdkVa VcY l^i] i]Z higdc\ hjeedgi d[ djg bV_dg h]VgZ]daYZgh! I]VcVX]Vgi 8Ve^iVa E8A VcY I]Z 7Vc` d[ CdkV HXdi^V HXdi^VWVc` ! ^c '%&% i]Z 7Vc` ZciZgZY ^cid V XdbeZi^i^kZ W^YY^c\ egdXZhh VcY hjXXZhh[jaan VXfj^gZY ..#.* d[ i]Z h]VgZh d[ H^Vb 8^in 7Vc` H8>7 # I]^h VXfj^h^i^dc! l^i] H8>7Éh aVg\Zg 8dgedgViZ! HB: VcY =djh^c\ edgi[da^dh ]Vh hjWhiVci^Vaan ^cXgZVhZY i]Z hXVaZ VcY Y^kZgh^in d[ djg <gdje VcY i]ZhZ [VXidgh ]VkZ ZcVWaZY djg 7Vc` id fj^X`an bdkZ [gdb WZ^c\ V b^Y h^oZY WVc` id WZXdbZ i]Z *i] aVg\Zhi XdbbZgX^Va WVc` ^c I]V^aVcY l^i] V higdc\ WVaVcXZ h]ZZi VcY Y^kZgh^[^ZY higZVb d[ hjhiV^cVWaZ ZVgc^c\h [gdb Vaa hZXidgh d[ WVc`^c\ VcY [^cVcX^Va hZgk^XZh# I]Z egdXZhh d[ XdbW^c^c\ Wdi] WVc`h jcYZg i]Z :ci^gZ 7jh^cZhh IgVch[Zg EaVc i]Z Æ:7IÇ ! l]ZgZWn Vaa d[ H^Vb 8^in 7Vc`Éh Wjh^cZhhZh l^aa WZ igVch[ZggZY id I]VcVX]Vgi 7Vc`! ^h lZaa jcYZglVn l^i] i]Z 7Vc` d[ I]V^aVcY Veegdk^c\ i]Z :7I EaVc dc BVgX] &%! '%&&# I]Z aZVYZgh]^e VcY hiV[[ [gdb i]Z ild 7Vc`h VgZ ldg`^c\ XadhZan id\Zi]Zg! l^i] higdc\ hjeedgi [gdb I]Z 7Vc` d[ CdkV HXdi^V l]^X] ]Vh hjWhiVci^Va ZmeZg^ZcXZ ^ciZ\gVi^c\ WVc`h ^c bVcn Xdjcig^Zh! id V[[ZXi i]Z bZg\Zg eaVc VcY ZchjgZ i]Vi i]Z higZc\i]h d[ Wdi] 7Vc`h VgZ egZhZgkZY VcY Zc]VcXZY i]gdj\] i]Z bZg\Zg egdXZhh#
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Thai Economic Condition in 2010 and the Outlook for 2011*
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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i]Z :jgdeZVc ZXdcdbn lVh ^cXgZVh^c\an ^c igdjWaZ! bdgZ XVe^iVa [aZl id i]^h gZ\^dc# >c I]V^aVcY! i]Z cZi XVe^iVa ^c[adl lVh gZXdgYZY Vi &*#' W^aa^dc WV]i# >c '%&%! [dgZ^\c ^ckZhibZci ^c i]Z WdcY bVg`Zi gZXdgYZY Vi ('(#, W^aa^dc JH YdaaVgh l]^aZ [dgZ^\c ^ckZhibZci ^c i]Z hidX` bVg`Zi ZmX]Vc\Z lVh -&#, W^aa^dc JH YdaaVg# >c i]^h XdccZXi^dc! i]Z H:I >cYZm ^cXgZVhZY Wn )%#+ eZgXZci [gdb ,()#*) ed^cih Vi i]Z WZ\^cc^c\ d[ i]Z nZVg id &!%('#,+ ed^cih Vi i]Z ZcY d[ i]Z nZVg# BZVcl]^aZ! WV]i VeegZX^ViZY Wn ,#,) eZgXZci! Vc ^cXgZVhZ [gdb i]Z nZVgan VkZgV\Z d[ ()#(' WV]i eZg JH YdaaVg id (&#+, WV]i eZg JH YdaaVg# I]Z WV]i VeegZX^Vi^dc V\V^chi i]Z JH YdaaVg lVh hdbZl]Vi higdc\Zg XdbeVgZY id di]Zg XjggZcX^Zh ^c i]Z gZ\^dc! i]ZgZ[dgZ i]Z gZVa Z[[ZXi^kZ ZmX]Vc\Z gViZ lVh ha^\]ian ^c VeegZX^Vi^dc &#-* eZgXZci # =dlZkZg! i]Z XdjcignÉh Zmedgi XdbeZi^i^kZcZhh lVh hi^aa higdc\ Vh l^icZhhZY [gdb Vc ^ciZch^kZ \gdli] d[ Zmedgi kdajbZ ^c i]Z b^Yhi d[ i]Z WV]i VeegZX^Vi^dc# Dcan hdbZ egdYjXih! i]Vi gZa^ZY dc eg^X^c\ Vh i]Z bV^c [VXidg id XdbeZiZ! hj[[ZgZY Vh XdbeZi^idghÉ XjggZcXn YZegZX^ViZY hjX] Vh g^XZ Zmedgi^c\ l]^X] lVh V[[ZXiZY [gdb K^ZicVbZhZ Ydc\ YZegZX^Vi^dc# IdiVa Zmedgi gZkZcjZ ^c iZgbh d[ WV]i ^cXgZVhZY Wn &-#, eZgXZci# 6h i]Z \adWVa YZbVcY [dg egdYjXih VcY hZgk^XZh ^cXgZVhZY! eg^XZh d[ d^a VcY di]Zg egdYjXih gdhZ! VcY I]V^aVcYÉh ^c[aVi^dc gViZ ^cXgZVhZY Vh lZaa# =ZVYa^cZ^c[aVi^dc lVh Vi (#( eZgXZci XdbeVg^c\ id "%#. eZgXZci ^c '%%.# I]Z [ddY VcY WZkZgV\Z eg^XZ ^cYZm ^cXgZVhZY Wn *#) eZgXZci l]^aZ i]Vi d[ cdc"[ddY VcY WZkZgV\Z ^cXgZVhZY Wn '#% eZgXZci# 6h V gZhjai! i]Z BdcZiVgn Eda^Xn 8dbb^iiZZ BE8 hl^iX]ZY i]Z bdcZiVgn eda^Xn hiVcXZ VlVn [gdb adl ^ciZgZhi gViZ l]^X] lVh jhZY id hi^bjaViZ ZXdcdb^X gZXdkZgn ^c i]Z [^ghi ]Va[ d[ i]Z nZVg#I]Z BE8 ^cXgZVhZY eda^Xn ^ciZgZhi gViZ hZkZgVa i^bZh l]^X] Wgdj\]i i]Z gViZ je [gdb &#'* eZgXZci eZg Vccjb id '#'* eZgXZci Vh d[ ?VcjVgn '%&& ^c dgYZg id gZa^ZkZ egZhhjgZ [gdb ^c[aVi^dc i]Vi ^ciZch^[^ZY Wn Xdci^cjdjh YdbZhi^X VcY [dgZ^\c YZbVcY ZmeVch^dc VcY i]Z g^h^c\ d^a VcY XdbbdY^in eg^XZh# I]Z 7Vc` d[ I]V^aVcY Vahd VY_jhiZY XgZY^i ZmiZch^dc Xg^iZg^V d[ [^cVcX^Va ^chi^iji^dc [dg gZVa ZhiViZ adVch ^c dgYZg id egZkZci heZXjaVi^dc l]^X] bVn aZVY id Vc ZXdcdb^X WjWWaZ Yjg^c\ i]Z gZXdkZgn# 6eVgi [gdb i]Z ]^\]Zg ^c[aVi^dc gViZ! di]Zg ZXdcdb^X hiVW^a^in ^cY^XVidgh XaZVgan ed^ciZY dji i]Vi i]Z I]V^ ZXdcdb^X hiVW^a^in lVh ]^\]# ;dgZ^\c gZhZgkZ Vi i]Z ZcY d[ '%&% VbdjciZY id &,'#&( W^aa^dc JH YdaaVgh VcY ZmXZhh a^fj^Y^in ^c i]Z WVc`^c\ hnhiZb lVh kVajZY Vi &#') ig^aa^dc WV]i# Cdc"EZg[dgb^c\ AdVc ^c i]Z WVc`^c\ hnhiZb lVh ZfjVa id &#.% eZgXZci d[ idiVa adVch# EjWa^X 9ZWi YZXgZVhZY id )&#) eZgXZci d[ <9E Vh d[ i]Z ZcY d[ CdkZbWZg '%&% # I]Z XdjcignÉh VkZgV\Z jcZbeadnbZci gViZ lVh &#% eZgXZci dg )%(!%%% eZghdch l]^X] ^cY^XViZY i]Z i^\]i aVWdg bVg`Zi h^ijVi^dc#
Cdi ^cXajY^c\ i]Z [dglVgY d[ &.#*.+ W^aa^dc JH YdaaVg# >[ ^cXajYZY! i]Z idiVa ^h &.&#,' W^aa^dc JH YdaaVg#
ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
&,
The Thai Economy in 2011 is Forecasted to have Continuous Expansion at 3.5-4.5 percent with Increasing Inflationary Pressure. >c '%&&! i]Z I]V^ ZXdcdbn ^h [dgZXVhiZY id ZmeVcY Wn (#* id )#* eZgXZci jcYZg i]Z i]Z ^bedgiVci Vhhjbei^dc i]Vi
2009
2010
i]Z ZmeZXiZY \gdli] d[ \adWVa ZXdcdbn ^h )#% eZgXZci! XdbeVgZY id *#% eZgXZci ^c '%&%# =dlZkZg! i]Z \adWVa ZXdcdbn gZbV^ch ^c ]^\] g^h`# I]Z Jc^iZY HiViZh ]VkZ YZX^YZY id ^beaZbZci i]Z hZXdcY FjVci^iVi^kZ :Vh^c\ bZVhjgZh F: >> l^i] V [^cVcX^Va Vbdjci d[ +%% W^aa^dc JH YdaaVgh! V^b^c\ id gZYjXZ i]Z ]^\] jcZbeadnbZci gViZ l]^X] gZbV^ch VgdjcY . eZgXZci! l]^aZ di]Zg aVg\Z ZXdcdb^Zh VgZ hi^aa lZV` VcY g^h`n#
2011 *
Percent * Estimate 15.0 12.0 10.0
9.2 6.6
5.9 5.0
3.8
0.0
-2.8 -5.0
-5.2 -7.0
-10.0
1Q09
2Q09
3Q09
4Q09
1Q10
2Q10
3Q10
4Q10
Source: Office of the National Economic and Social Development Board
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
d[ kVg^djh egdYjXih ^c \adWVa bVg`Zi l]^X] egZhhjgZ YZkZade^c\ Xdjcig^Zh id cZXZhhVg^an XVggn dji Vci^"^c[aVi^dc bZVhjgZh Wn Wg^c\^c\ je i]Z ^ciZgZhi gViZ VcY Vaadl^c\ i]Z XjggZcXn id VeegZX^ViZ l]^X] VgZ ^c V [VkdgVWaZ Y^gZXi^dc [dg i]Z Jc^iZY HiViZh# I]ZhZ \adWVa ZXdcdb^X X]Vc\Zh l^aa gZbV^c [dg V eZg^dY d[ i^bZ! Wji i]Z egdWaZbh d[ jcZbeadnbZci VcY i]Z Z[[ZXih d[ Xg^h^h ^c i]Z JH [^cVcX^Va hZXidg l^aa iV`Z Vc ZmiZcYZY Vbdjci d[ i^bZ id hdakZ VcY i]Z \adWVa gZWVaVcX^c\ l]^X] cZZYh YZkZade^c\ Xdjcig^Zh id XdchjbZ VcY ^ckZhi bdgZ ^h hi^aa egdb^cZci# I]ZgZ[dgZ ^c i]Z aViiZg ]Va[ d[ i]Z nZVg! ^[ i]Z Z[[ZXi d[ F: >> YZXZaZgViZh VcY ^ckZhidgh \V^c bdgZ Xdc[^YZcXZ ^c i]Z YZkZade^c\ Xdjcig^ZhÉ XVeVW^a^in id Xdcigda ^c[aVi^dc VcY i]Z^g ediZci^Va id \gdl ^c XdbeVg^hdc l^i] di]Zg cVi^dch! XVe^iVa l^aa [adl WVX` id ^ckZhi ^c i]^h gZ\^dc VcY i]Z egZhhjgZ [dg XjggZcXn VeegZX^Vi^dc ^c i]Z adc\ iZgb l^aa dXXjg V\V^c# I]ZgZ[dgZ! ZmX]Vc\Z gViZ ^c '%&& ^h [dgZhZZc id ha^\]ian YZegZX^ViZ [gdb i]Z ZcY d[ '%&% id '."(& WV]i eZg JH YdaaVg l^i] V YZegZX^Vi^dc ZmeZXiZY ^c i]Z WZ\^cc^c\ VcY i]Z VeegZX^Vi^dc gZijgcZY Wn i]Z ZcY d[ nZVg#
Currency Exchange Rate (Baht per US dollar) 2010
I]Z h^\c^[^XVci ZXdcdb^X X]Vc\Zh ^c '%&& l^aa ^cXajYZ eg^XZ VY_jhibZcih# I]Z Jc^iZY HiViZhÉ ZXdcdb^X gZXdkZgn VcY ZXdcdb^X hi^bjajh eVX`V\Zh l^aa XVjhZ eg^XZh d[ egdYjXih VcY hZgk^XZh ^c i]Z \adWVa bVg`Zi id g^hZ! ^c VYY^i^dc id kVg^djh di]Zg [VXidgh! hjX] Vh i]Z jcgZhi ^c i]Z B^YYaZ :Vhi l]^X] aZVYh id g^hZh ^c d^a eg^XZ# I]Z VkZgV\Z eg^XZ d[ i]Z 9jWV^ XgjYZ d^a ^h [dgZXVhiZY id WZ WZilZZc -*".* JH YdaaVgh eZg WVggZa l]^X] l^aa ZmXZZY &%% JH YdaaVgh eZg WVggZa ^c i]Z WZ\^cc^c\ VcY YZXa^cZ aViZg ^c i]Z nZVg# Di]Zg egdYjXi eg^XZh hjX] Vh \daY VcY V\g^XjaijgVa egdYjXih l^aa Vahd ^cXgZVhZ VcY ^i l^aa WZ Vcdi]Zg [^cZ nZVg [dg [Vgb ^cXdbZ# I]Z ^c[aVi^dc gViZ ^c I]V^aVcY l^aa ^cXgZVhZ YjZ id bVcn [VXidgh hjX] Vh i]Z ^cXgZVhZ ^c d^a VcY [ddY eg^XZh VcY i]Z lV\Z VcY hVaVgn VY_jhibZci# =ZcXZ! i]Z ^c[aVi^dc gViZ ^h [dgZXVhiZY id WZ Vi (#%")#% eZgXZci# >ciZgZhi gViZ ^c '%&& l^aa WZ ^c Vc ^cXgZVh^c\ igZcY VcY i]Z BE8 ^h a^`Zan id Xdch^YZg [djg bV^c [VXidgh! ^c dgYZg d[ ^bedgiVcXZ! l]^X] VgZ & GZVa YZedh^i ^ciZgZhi gViZ ^ciZgZhi gViZ V[iZg VY_jhiZY [dg ^c[aVi^dc lVh cZ\Vi^kZ [dg V adc\ eZg^dY ^c dgYZg id hi^bjaViZ i]Z ZXdcdbn# 6[iZg ZXdcdb^X gZXdkZgn! bdcZiVgn eda^Xn l^aa cZZY i]Z edh^i^kZ
2011*
gZVa ^ciZgZhi gViZ ^c dgYZg id Y^hXdjgV\Z XVgZaZhh Xdchjbei^dc VcY heZXjaVi^kZ ^ckZhibZci# 7n i]Z ZcY d[ '%&%! i]Z gZVa YZedh^i ^ciZgZhi gViZ hi^aa hiddY ^c V cZ\Vi^kZ [^\jgZ Vi "&#. eZgXZci# ' >c[aVi^dc gViZ ]Vh ^cXgZVhZY! Vai]dj\] cdi nZi Vi VaVgb^c\ gViZ# ( Di]Zg Xdjcig^Zh ]VkZ Wgdj\]i je i]Z^g ^ciZgZhi gViZh! dcZ V[iZg i]Z di]Zg! [dg ^c[aVi^dc egZkZci^dc VcY [dg VY_jhibZci id cdgbVaan edh^i^kZ ^ciZgZhi gViZ# >[ eda^Xn ^ciZgZhi gViZ YdZh cdi g^hZ! i]^h bVn aZVY id bdgZ ViigVXi^kZ ^ckZhibZcih ^c di]Zg Xdjcig^Zh Vh lZaa Vh XVjh^c\ V cZ\Vi^kZ ^bV\Z dc XZcigVa WVc` ^c cdi jcYZg\d^c\ V hig^Xi bZVhjgZ V\V^cih ^c[aVi^dc# ) I]Z ZXdcdbn ^h higdc\ Zcdj\] id WZVg i]Z WjgYZc d[ ]^\]Zg ^ciZgZhi# I]ZgZ[dgZ! ^c '%&&! i]Z [dgZXVhi hiViZh ]^\] edhh^W^a^in gZ\VgY^c\ i]Z ^cXgZVhZ d[ eda^Xn ^ciZgZhi gViZ id (#%"(#'* eZgXZci l]^X] bdcZiVgn eda^Xn igVchb^hh^dc ldjaY hadl Ydlc ^c[aVi^dc i]gdj\] hadlZg Xdchjbei^dc VcY ^ckZhibZci! VcY i]Z XjggZcXn VeegZX^Vi^dc# =ZcXZ! egdYjXZgh l^aa ]VkZ deedgijc^i^Zh id gV^hZ egdYjXi VcY hZgk^XZ eg^XZh l]^aZ! dc i]Z di]Zg ]VcY! i]Zn l^aa Xdc[gdci V Xdhi ^cXgZVhZ# =dlZkZg! Xdc[gdci^c\ Xdhi ^cXgZVhZ egZhhjgZ ^h WZiiZg i]Vc i]Z aVX` d[ YZbVcY [dg egdYjXih VcY hZgk^XZh Vh ZmeZg^ZcXZY Yjg^c\ i]Z \adWVa ZXdcdb^X gZXZhh^dc#
ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
&.
Inflation Rate and Policy Interest Rate
Percent
Percent
5.0
2.5
4.0
2.0
3.0
1.5
2.0
1.0
1.0
0.5
0.0
0.0
-1.0
-0.5
-2.0
-1.0
-3.0
-1.5 -2.0
-4.0
1Q09
2Q09
3Q09
4Q09
1Q10
2Q10
3Q10
4Q10
Source: The Bank of Thailand and Ministry of Commerce
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Risk Management and Risk Factors
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Corporate Governance
Report on Corporate Governance Compliance Corporate governance policy, business ethics and codes of conduct for Directors, Executives and Staff
TBANK’s Board of Directors has put in place written policy guidelines on corporate governance since 2003. The Board also conducts an annual review on corporate governance policies and the reporting process on business compliance with corporate governance principles of TBANK, at least once per annum. The business ethics as well as codes of conduct for directors, executives and staff have been improved in order to establish a framework for all personnel in the Bank. TBANK has established corporate governance policy as well as business ethics and codes of conduct for directors, executives, and staff. The policy can be easily accessed via the Bank’s website “www.thanachartbank.co.th” and Thanachart Group’s intranet system which is intended to be a channels for communicating with staff of the Group at every level, shareholders as well as stakeholders, so that they can acknowledged a firm standpoint and principle in good corporate governance established and practiced by the Board of Directors. Moreover, Thanachart Group has continuously supported good governance and recognition on corporate social responsibility awareness (CG & CSR Project) of staff in the group. This is for stimulating staff to acknowledge working principles of various business units in accordance with the good corporate governance which begins with designing training courses that focus particularly on encouraging staff to work on the basis of moral, ethics and business codes of conduct, for example, pure-hearted businessman program, inner power program and morality strengthening program. In 2010, there were 2,560 staffs at all level across the country attending training courses. TBANK’s business conducts according to good corporate governance principles in 2010 include; 1. Shareholders’ Rights and Equitable Treatment &#& H]VgZ]daYZghÉ WVh^X g^\]ih I76C@ ]Vh V eda^Xn dc h]VgZ]daYZghÉ g^\]i egdiZXi^dc VcY ZcXdjgV\Zh i]Zb id ]dcdg i]Z^g g^\]ih# I]Z eda^Xn ^cXajYZh aZ\Va WVh^X g^\]ih! hjX] Vh WVc`Éh egd[^i h]Vg^c\! h]VgZ igVchVXi^dch dg igVch[Zgh VcY eVgi^X^eVi^dc ^c h]VgZ]daYZgÉh bZZi^c\ ^c dgYZg id ]dcdg i]Z^g kdi^c\ g^\]ih Zfj^iVWan VcY ^cYZeZcYZcian# &#' H]VgZ]daYZgÉh BZZi^c\ >c '%&%! I76C@ ]ZaY i]Z 6ccjVa <ZcZgVa BZZi^c\ d[ H]VgZ]daYZgh dc LZYcZhYVn! , 6eg^a '%&%# I]Z bZZi^c\ lVh XdcYjXiZY VXXdgY^c\ id aVlh! gZ\jaVi^dch VcY XdgedgViZ \dkZgcVcXZ \j^YZa^cZh Vh [daadlh0 Eg^dg id i]Z h]VgZ]daYZghÉ bZZi^c\ L I]Z 7Vc` ejWa^h]ZY i]Z Cdi^XZ d[ H]VgZ]daYZghÉ bZZi^c\ Vh lZaa Vh gZaViZY YdXjbZcih ^c Wdi] I]V^ VcY :c\a^h]! ^cXajY^c\ bZZi^c\ V\ZcYVh VcY XdbeaZiZ YZiV^ah d[ ZVX] V\ZcYV l]^X] lZgZ hj[ÒX^Zci [dg h]VgZ]daYZghÉ YZX^h^dc bV`^c\ WZ[dgZ i]Z bZZi^c\# I]Z V[dgZbZci^dcZY ^c[dgbVi^dc lVh VkV^aVWaZ k^V kVg^djh X]VccZah Vh i]Z [daadl^c\h0
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
2.
Role of Stakeholders
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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3.
Information Disclosure and Transparency
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Responsibilities of the Board of Directors
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
Table of the remuneration of the Nomination and Remuneration Committee
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Report of the Nomination and Remuneration Committee
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
Supervision and Management Structures Thanachart Bank Public Company Limited
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Board of Directors and Management Team
Mr. Banterng Tantivit Chairman (Non-Executive Director)
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
Mr. Suphadej Poonpipat Vice Chairman and Chairman of the Executive Committee (Executive Director)
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Mrs. Michele Kwok Vice Chairperson and Member of the Nomination and Remuneration Committee (Non-Executive Director)
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Mr. Kiettisak Meecharoen Chairman of the Audit Committee (Independent Director)
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
Mr. Narong Chivangkur Chairman of the Nomination and Remuneration Committee (Independent Director)
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Mr. Sathaporn Jinachitra Member of the Audit Committee and the Nomination and Remuneration Committee (Independent Director)
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Assoc. Prof. Dr. Somjai Phagaphasvivathana Member of the Audit Committee (Independent Director)
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Ms. Suvarnapha Suvarnaprathip Vice Chairperson of the Executive Committee (Executive Director)
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
Mr. Somjate Moosirilert Member of the Executive Committee and Chief Executive Officer and President (Executive Director)
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Mr. Brendan King Vice Chairman of the Executive Committee and Deputy Chief Executive OfďŹ cer (Executive Director)
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
Mr. Martin Weeks Director (Non-Executive Director)
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Mr. Piyaphong Artmangkorn Executive Vice President
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Mrs. Noossara Roonsamrarn Executive Vice President
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Mr. Nophadon Ruengchinda Executive Vice President
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
Mr. Anuwat Luengtaweekul Executive Vice President
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Mr. Ajay Mundkur Executive Vice President
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Mrs. Angelina Dick Executive Vice President
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
Mr. Amorn Kitinartintranee Executive Vice President
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Mrs. Kjitphan Chunharit Executive Vice President
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Mrs. Sasima Taweeskulchai Executive Vice President
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Mr. Rick Yakabowich Executive Vice President
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
Mr. Sanong Khumnuch Executive Vice President
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Mr. Praphan Anupongongarch Executive Vice President
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Mr. Kalyanaraman Sivaramakrishnan Executive Vice President
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Ms. Vilai Tantikun Senior Vice President
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Mr. Chatchai Kaivalkul Senior Vice President 6\Z
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Mr. Songwut Chaowalit Senior Vice President
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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THE INFORMATION OF THE EXECUTIVES AND AUTHORIZED PERSONS’ POSITION IN SUBSIDIARY, ASSOCIATED AND RELATED COMPANIES
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@^Zii^hV` BZZX]VgdZc 8]V^gbVc d[ i]Z 6jY^i 8dbb^iiZZ ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Report of Independent Auditor To the Shareholders of Thanachart Bank Public Company Limited
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&%% ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
Balance Sheets
Thanachart Bank Public Company Limited and its subsidiaries Balance sheets As at 31 December 2010 and 2009
ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &%&
Balance Sheets (Continued)
Thanachart Bank Public Company Limited and its subsidiaries Balance sheets (continued)
&%' ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
Balance Sheets (Continued)
Thanachart Bank Public Company Limited and its subsidiaries Balance sheets (continued)
ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &%(
Income Statements Thanachart Bank Public Company Limited and its subsidiaries Income statements For the years ended 31 December 2010 and 2009
&%) ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
Income Statements (Continued) Thanachart Bank Public Company Limited and its subsidiaries Income statements (continued) For the years ended 31 December 2010 and 2009
ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &%*
&%+ ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Statements of Changes in Shareholders’ Equity
ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &%,
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Statements of Changes in Shareholders’ Equity
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&%- ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
Cash Flows Statements (Continued) J^WdWY^Whj 8Wda FkXb_Y 9ecfWdo B_c_j[Z WdZ _ji ikXi_Z_Wh_[i 9Wi^ \bemi ijWj[c[dji Yedj_dk[Z <eh j^[ o[Whi [dZ[Z )' :[Y[cX[h (&'& WdZ (&&/
ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &%.
Cash Flows Statements (Continued)
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&&% ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
Thanachart Bank Public Company Limited and its subsidiaries Notes to consolidated financial statements For the years ended 31 December 2010 and 2009
ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &&&
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Related Party Transactions
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Transactions within Thanachart Group 1. Companies and relationship in Thanachart Group
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED '&&
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'&' ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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2. Insurance Transactions between the executives of member companies in the Group including related persons (Insured) withTNI (Insurer) '#& IneZ VcY kVajZ d[ igVchVXi^dc I]Z ZmZXji^kZh d[ bZbWZg XdbeVc^Zh ^c i]Z <gdje ^cXajY^c\ gZaViZY eZghdch ^chjgZY l^i] IC># >c '%&%! i]Z igVchVXi^dc kVajZ VbdjciZY d[ I=7 '*#.+ b^aa^dc# '#' CZXZhh^in VcY gVi^dcVaZ d[ igVchVXi^dc I]Z igVchVXi^dch lZgZ Xdch^YZgZY V Xdbbdc ^chjgVcXZ l^i] i]Z hVbZ gViZ d[ egZb^jb d[[ZgZY id \ZcZgVa XjhidbZgh jcYZg i]Z hVbZ iZgbh VcY XdcY^i^dch# HjX] igVchVXi^dch lZgZ i]ZgZ[dgZ! _jhi^[^ZY#
ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED '&(
Transactions between Member Companies in Thanachart Group with Companies Related to Executives. MBK Group Public Company Limited. (MBK Group) 1. Related businesses and relationships
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'&) ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED '&*
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Advance Info Service Public Company Limited (AIS)
1. Relationship 8dbeVcn 6YkVcXZ >c[d HZgk^XZ EjWa^X 8dbeVcn A^b^iZY 6>H
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IRPC Plc.
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Bangkok Aviation Fuel Services Public Co., Ltd (BAFS)
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Bangkok Aviation Fuel Services Public Company Limited (BAFS)
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED '&,
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'&- ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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General Information
Investment of TBANK in other companies
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''' ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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General Information
Investment of TBANK in other companies
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'') ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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'') ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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Corporate Social Responsibility
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'() ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED
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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED '(*