TBANK: Annual Report 2012

02 Financial Highlights 14 Message from the Board of Directors 16 Board of Director 18 Management Discussion and Analysis 29 Nature of Business Operations 48 Risk Management and Risk Factors 60 Corporate Social Responsibility (CSR) Activities 65 Responsibilities of the Board of Directors for Financial Report 66 Report of the Audit Committee 68 Independent Auditor’s Report 69 Financial Statements and Note to Financial Statements 196 Corporate Governance 216 Report of the Nomination and Remuneration Committee 217 Supervision and Management Structures 218 Board of Directors and Management Team 236 General Information Investment of TBANK in Other Companies TBANK’s References Other References Structure of Major Shareholders Dividend Payment Policy Companies in Thanachart Group Branches of TBANK 258 Summary of Specified Items per Form 56-2 in 2012 Annual Report