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Ar2011 En.Pdf CONTENTS 1 Financial Performance Indicators 76 Board of Directors and Top Executives 12 Message from the Chairman 92 Report of the Board of Directors’ 14 Message from the Chairman of Responsibilities for the Financial the Board of Executive Directors Statements 16 Management Report 93 Report of the Nomination and 30 Corporate Social Responsibility Remuneration Committee 40 Corporate Governance 94 Report of the Audit Committee 52 Risk Factors and Risk Management 96 Report of the Independent Certified 58 Management Discussion and Analysis Public Accountants 71 Appropriation of Profit for the Year 2011 97 Financial Statements 72 Ten-Year Statistical Summary 107 Notes to the Financial Statements 75 Organization Chart 191 General Information 200 List of Branches 2,106,912 116,571 27,337 1,949,688 46,175 43,880 24,593 1,771,932 98,665 92,026 36,680 20,562 ASSETS TOTAL INCOME PROFIT (LOSS) NET PROFIT BEFORE (LOSS) PROVISION AND TAX 2009 2010 2011 (Million Baht) 1 Bangkok Bank Public Company Limited Annual Report 2011 FINANCIAL PERFORMANCE INDICATORS Percentage Change 2011 2010 2009 2011/2010 2010/2009 Consolidated financial performance (million baht) Assets 2,106,912 1,949,688 1,771,932 + 8.1 + 10.0 Loans 1 1,470,398 1,256,123 1,143,288 + 17.1 + 9.9 Loans (net of loan loss provisions) 1 1,385,661 1,183,670 1,078,143 + 17.1 + 9.8 Deposits 2 1,587,834 1,394,388 1,360,716 + 13.9 + 2.5 Liabilities 1,862,226 1,718,340 1,578,258 + 8.4 + 8.9 Shareholders’ equity 3 243,815 230,572 193,674 + 5.7 + 19.1 Interest income 81,827 63,662 64,010 + 28.5 - 0.5 Total income 116,571 98,665 92,026 + 18.1 + 7.2 Profit before provision and tax 4 46,175 43,880 36,680 + 5.2 + 19.6 Profit before tax 4 34,148 36,313 29,082 - 6.0 + 24.9 Net profit 3 27,337 24,593 20,562 + 11.2 + 19.6 Per share (baht) Profit before tax 4 17.89 19.02 15.24 - 5.9 + 24.8 Net profit 3 14.32 12.88 10.77 + 11.2 + 19.6 Par value 10.00 10.00 10.00 - - Book value 4 128.19 121.20 101.46 + 5.8 + 19.5 Share prices - range 184.00 - 123.50 162.00 - 105.00 132.50 - 66.00 - - - year-end 153.50 147.00 116.00 + 4.4 + 26.7 Financial ratio (%) Rate of return on average assets 3 1.36 1.34 1.19 + 0.02 + 0.15 Rate of return on average equity 3 11.57 11.50 11.20 + 0.07 + 0.30 Net profit to total income 3 23.45 24.93 22.34 - 1.48 + 2.59 Capital to risk assets (excluding subsidiaries) 15.35 16.09 15.51 - 0.74 + 0.58 Remarks 1. Not including interbank and money market items and less deferred revenue 2. Not including interbank and money market items 3. Not including non-controlling interest 4. Including non-controlling interest 1 1 CUSTOMERS UNDERSTANDING _Customers Bangkok Bank works together with its customers at every stage of their lives, so we can make things easier and help their dreams come true. With a complete range of financial services, modern technology and friendly staff, we can help customers with their personal and business banking needs as they journey through life. 2 2 CARING COMMUNITIES _Communities Bangkok Bank has grown alongside Thailand’s people for more than 60 years, contributing to the welfare of our communities, as well as promoting environmental protection and conservation for a sustainable future. We support a wide range of charitable and social activities, especially those related to education and youth, arts and culture, as well as honoring the monarchy and supporting religion. 3 SUPPORTING _Economy 3 Bangkok Bank is an integral part of Thailand’s economy, ECONOMY supporting its businesses and growing with the country through good times and bad. Whatever the challenges, we have risen to them, helping Thailand prosper and play a greater role in the Southeast Asian region. 9 Bangkok Bank Public Company Limited Annual Report 2011 4 CONNECTING _Global Bangkok Bank is Thailand’s international bank, with an extensive branch network across major economies worldwide, especially Southeast Asia, including wholly-owned subsidiaries in China and Malaysia. Our people know each country’s market, and can provide expert advice and assistance to Thai companies expanding offshore and to foreign companies investing in Thailand. 4 GLOBAL 5 EXCELLING _Operations Bangkok Bank has the resources, long established know-how and quality staff to adapt to our customers’ changing requirements. Our excellence in operations enables us to provide efficient, convenient and reliable services, while our prudent risk management policies and level of financial reserves means we never put our customers at undue risk. 5 OPERATIONS 12 Bangkok Bank Public Company Limited Annual Report 2011 MESSAGE FROM THE CHAIRMAN The Thai economy had promised to perform well in 2011, but devastating floods towards the end of the year meant annual GDP growth was only 0.1 percent compared with earlier estimates of 4-5 percent. The economic downturn around the world, especially in Europe and the US, also played a major part. The fl ooding posed particular challenges for Bangkok A wide range of measures, including financial Bank, and I am proud of the hard work and dedication assistance such as special loans packages and direct of our staff during these diffi cult days, not just at our assistance to flood victims, were promptly provided branches, but also at head offi ce and other locations, to our communities, customers and staff. The Bank’s which ensured that our customers experienced as little initiatives were part of wider efforts from the Thai disruption as possible to their banking services. business community and it was pleasing to witness Chatri Sophonpanich Chairman 13 Bangkok Bank Public Company Limited Annual Report 2011 the quick and remarkable recovery of the private sector as the strength of our network gives us a competitive edge in we moved into 2012. meeting the increasingly complex needs of our customers, who are moving fast to expand and intensify their activities Despite the diffi cult environment, Bangkok Bank ended the in the region. year in a stronger position, and we were able to deliver good returns to our shareholders. After the volatility of 2011, the Thai economy is expected to perform satisfactorily this year for two main reasons. First, Loan and deposit growth rates were healthy at 17.1 percent there will be greater spending than normal by the private and 13.9 percent respectively. Profit for the 12 months sector on business reconstruction after the fl ooding. Second, was a record Baht 27.3 billion, up 11.2 percent from 2010, there will be greater government investment and spending representing earnings per share of Baht 14.32. Our capital in key social and economic areas. Overall, I am cautiously adequacy ratio, if net profi t for the second half of 2011 were optimistic about 2012, the year of the dragon. to be included, would be 16.3 percent, comfortably above prescribed levels, as would be our Tier 1 capital ratio of 13.2 Finally, on behalf of the Board of Directors, I would like to percent. express my gratitude to all our customers, shareholders, suppliers and business partners for their patience, For the year ahead, there is still uncertainty and volatility understanding and consistent support for Bangkok Bank on the broader global financial and economic fronts, through the diffi cult times of 2011. In particular, I would like despite Asia decoupling much of its economy from the to thank our staff and executives, who rose to the occasion developed world. Risks include the possible spillover of the with courage and determination, and ultimately made the Euro zone crisis, still-high unemployment in the US, weak year such a success. consumer demand, slackening export growth, slowing down of foreign direct investment, higher oil and gas prices, plunging commodity prices, and high volatility in worldwide capital, stock and currency markets. These factors are all contributing to the formidable challenges facing us in 2012. Encouragingly, Bangkok Bank remains well capitalized and ready to respond to both challenges and opportunities as they arise. We are working hard to better integrate our commercial and investment banking services in line with the implementation of the Government’s Capital Markets Development Master Plan (CMDMP). We are also prepared for the second phase of the Bank of Thailand’s Financial Sector Master Plan, which will bring greater competition from foreign banks. Internationally, we are steadfastly expanding across the rapidly growing economies of Asia. In 2011 we added another branch in Malaysia, bringing our total international network by year-end to 25 branches in 13 economies, including a representative office in Myanmar. The pace of regional integration is accelerating, to culminate in the Chatri Sophonpanich formation of the ASEAN Economic Community in 2015, and Chairman 14 Bangkok Bank Public Company Limited Annual Report 2011 MESSAGE FROM THE CHAIRMAN OF THE BOARD OF EXECUTIVE DIRECTORS For most of 2011, Thailand’s economy grew at a healthy rate. The corporate sector in particular was expanding at home and abroad, and consumer and investor confidence were continually improving. Kosit Panpiemras Chairman of the Board of Executive Directors 15 Bangkok Bank Public Company Limited Annual Report 2011 This growth was achieved despite the negative external Second, despite a boost to consumption from fl ood-related impacts of a struggling US economy, the Euro zone’s spending in the fi rst half of 2012, overall demand is likely sovereign debt problems and currency fl uctuations, and to be weak.
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