ar2010_EN

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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

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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

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Mr. Banterng Tantivit 8]V^gbVc I]VcVX]Vgi 7Vc` EjWa^X 8dbeVcn A^b^iZY

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

&*

Thai Economic Condition in 2010 and the Outlook for 2011*

The Thai Economy in 2010 Recovered with a 7.8 percent Expansion and Economic Stability.

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&+

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

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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.

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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

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Currency Exchange Rate (Baht per US dollar) 2010

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2011*

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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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Management Discussion and Analysis of Financial Position and Performance

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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

'&

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ANALYSIS OF FINANCIAL POSITION AND OPERATING RESULTS (FINANCIAL STATEMENT FOR THE BANK ONLY)

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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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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

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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.

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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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Board of Directors and Management Team

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Mr. Suphadej Poonpipat Vice Chairman and Chairman of the Executive Committee (Executive Director)

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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. Narong Chivangkur Chairman of 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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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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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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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

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Mr. Kalyanaraman Sivaramakrishnan Executive Vice President

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Mr. Noel Singh Senior Vice President

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Ms. Vilai Tantikun Senior Vice President

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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

Mr. Chatchai Kaivalkul Senior Vice President 6\Z

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Mr. Chatchawal Jantararuangtong Senior Vice President

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Mr. Kriangkrai Phurivitvattana Senior Vice President

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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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Mr. Pompet Rasanon Senior Vice President

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Mr. Lalit Dharmaseri Senior Vice President

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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

J^WdWY^Whj 8Wda FkXb_Y 9ecfWdo B_c_j[Z WdZ _ji ikXi_Z_Wh_[i IjWj[c[dji e\ Y^Wd][i _d i^Wh[^ebZ[hiÊ [gk_jo

<eh j^[ o[Whi [dZ[Z )' :[Y[cX[h (&'& WdZ (&&/

Statements of Changes in Shareholders’ Equity

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &%,

J^WdWY^Whj 8Wda FkXb_Y 9ecfWdo B_c_j[Z WdZ _ji ikXi_Z_Wh_[i IjWj[c[dji e\ Y^Wd][i _d i^Wh[^ebZ[hiÊ [gk_jo <eh j^[ o[Whi [dZ[Z )' :[Y[cX[h (&'& WdZ (&&/

Statements of Changes in Shareholders’ Equity

Cash Flows Statements J^WdWY^Whj 8Wda FkXb_Y 9ecfWdo B_c_j[Z WdZ _ji ikXi_Z_Wh_[i 9Wi^ \bemi ijWj[c[dji <eh j^[ o[Whi [dZ[Z )' :[Y[cX[h (&'& WdZ (&&/

&%- 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)

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

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 &&&

&&' ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &&(

&&) ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &&*

&&+ ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &&,

&&- ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &&.

&'% ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &'&

&'' ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &'(

&') ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &'*

&'+ ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &',

&'- ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &'.

&(% ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &(&

&(' ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &((

&() ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &(*

&(+ ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &(,

&(- ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &(.

&)% ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &)&

&)' ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &)(

&)) ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &)*

&)+ ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &),

&)- ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &).

&*% ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &*&

&*' ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &*(

&*) ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &**

&*+ ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &*,

&*- ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &*.

&+% ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &+&

&+' ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &+(

&+) ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &+*

&++ ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &+,

&+- ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &+.

&,% ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &,&

&,' ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &,(

&,) ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &,*

&,+ ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &,,

&,- ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &,.

&-% ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &-&

&-' ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &-(

&-) ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &-*

&-+ ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &-,

&-- ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &-.

&.% ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &.&

&.' ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &.(

&.) ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &.*

&.+ ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &.,

&.- ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED &..

'%% ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED '%&

'%' ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED '%(

'%) ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED '%*

'%+ ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED '%,

'%- ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED '%.

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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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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General Information

Investment of TBANK in other companies

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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED ''*

General Information

Investment of TBANK in other companies

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I]VcVX]Vgi HZXjg^i^Zh EjWa^X 8dbeVcn A^b^iZY &)i]! &-i] VcY &.i] ;addg! B7@ IdlZg! ))) E]VnVi]V^ GdVY! LVc\bV^! EVi]jblVc! 7Vc\`d` &%((%! I=6>A6C9 IZa# ++ % ''&, ----! '+&& .'''! ''&, .*.* ;Vm ++ % ''&, -+'* GZ\^higVi^dc Cd#%&%,**,%%%*.& lll#ich^igVYZ#Xdb

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Companies in Siam City Bank Group H^Vb 8^in 7Vc` EjWa^X 8dbeVcn A^b^iZY &&%& CZl EZiX]Wjg^ GdVY! BV``VhVc! GV_i]Zk^ 7Vc\`d` &%)%%! I=6>A6C9 IZa/ ++ % ''%- *%%% ;Vm/ ++ % '+*& ,-(+ GZ\^higVi^dc Cd# %&%,*(,%%&%,' lll#hX^W#Xd#i]

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GZ\^higVi^dc Cd# %&%**(.%.&'(. lll#hX^h#Xd#i]

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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED ''*

Companies in Thanachart Group I]VcVX]Vgi 8Ve^iVa EjWa^X 8dbeVcn A^b^iZY &%i] Ä &&i] VcY &*i] Ä '%i] ;addg! B7@ IdlZg! ))) E]VnVi]V^ GdVY! LVc\bV^! EVi]jblVc! 7Vc\`d` &%((%! I=6>A6C9 IZa# ++ % ''&, -)))! ''&, -%%%! '+&& .&&& ;Vm ++ % '+&( +%..

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ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED ''*

Corporate Social Responsibility

Corporate Social Responsibility (CSR)

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Hub CSR Activities

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(# :ck^gdcbZci#

ANNUAL REPORT 2010 THANACHART BANK PUBLIC COMPANY LIMITED '(&

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