DOCSLIB.ORG

KTB: Krung Thai Bank Public Company Limited | Annual Report

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
KTB: Krung Thai Bank Public Company Limited | Annual Report A N U L R E P O T 2 0 1 3 K r u n g h a i B k c l . TRANS FORMA TION 35 Sukhumvit Road, Klong Toey Nua Subdistrict, Wattana District, Bangkok 10110 Tel : +662 255-2222 Fax : +662 255-9391-3 KTB Call Center : 1551 Swift : KRTHTHBK http://www.ktb.co.th Annual Report 2013 K T B T r a n s f o r m a t i o n This annual report uses Green Read paper for low-eye strain and is printed with soybean ink that reduces carbon dioxide emission and has light weight for less energy consumed in delivery. Produced by : Business Risk Research Department Risk Management Sector Risk Management Group Krung Thai Bank Pcl. Designed by : Work Actually Co., Ltd. Printed by : Plan Printing Co., Ltd. Transformation…for a Sustainable Growth KTB has transformed its internal operation process and improve people capability for greater efficiency in customer services and business expansion under accurate and efficient risk management that will lead to enhanced competitiveness and readiness to make a sustainable leap together with customers, society, shareholders and stakeholders. K T B T r a n s f o r m a t i o n KTB e-Certificate ของ่าย ได้เร็ว ขอหนังสือรับรอง นิติบุคคล การประกอบธุรกิจ คนต่างด้าว สมาคมและหอการค้า 4 KTB สินเชื่อ SME เพื่อรับงานภาครัฐ หนังสือคํ้าประกันทันใจ แค่ 1 วัน Net Free Zero รับได้เลย จาก KTB netbank แบบอั้นๆ หลบไปเลย....Net Free Zero ค่าธรรมเนียม ฟรี ไม่มีอั้น ตัวจริง! มาแล้ว Annual Report 2013 Krung Thai Bank Pcl. สินเชื่อกรุงไทย 3 สบาย สินเชื่อบุคคล ที่ ให้ ชีวิต มีแต่เรื่อง สบายๆ บริการโอนเงินต่างประเทศ มุมไหนใน โลก ก็ โอนถึง ใน 1 วัน 5 สินเชื่ออเนกประสงค์ สำาหรับผู้รับบำานาญ หลัง เกษียณ ...มีความสุข รอคุณอีกเยอะ Contents 007 008 012 014 016 Financial Highlights Messages from Organization Chart Statement of Direction The Board of Directors the Chairman and Vision and Mission the President 020 025 042 048 052 The Executive Officers Brief Biography Business Environment Policy and Business Business Operation of the Board Overview of Directors and the Executive Officers 069 083 111 120 121 Management Shareholding and Risk Factors and Internal Control Report of the Corporate Analysis and Discussion Management Structure Risk Management System Governance and Social Responsibility Committee 122 123 138 140 144 Report of the Corporate Governance Related Transaction Corporate Social Report of the Audit Nominating and Responsibility Committee Remuneration Committee 146 147 148 157 235 The Board of Directors’ Auditor’s Report Financial Statements Notes to the General Information Responsibility for Financial Statements and Other Major Financial Reports Information 244 252 Executives Directory Banking Network Investors could get more information from Annual Registration Statement (Form 56-1) which shown in www.sec.or.th or www.ktb.co.th Annual Report 2013 Krung Thai Bank Pcl. Financial Highlights Assets Deposits Net Profit (million baht) (million baht) 1,883,781 (million baht) 33,929 2,514,771 2013 2,256,490 1,666,961 1,968,188 1,285,389 23,366 2012 16,380 2011 2012 2013 2011 2012 2013 2011 Consolidated Krung Thai Bank 2013 2012 2011 2010 2009 2013 2012 2011 2010 2009 7 Financial Standing (million baht) Loans (Less Deferred Revenue) 1,711,090 1,530,097 1,424,422 1,247,841 1,071,880 1,715,504 1,538,686 1,428,592 1,250,700 1,074,601 Allowance for Doubtful 61,807 55,188 44,270 45,125 40,451 60,977 54,842 43,991 44,832 40,211 Accounts (including Revaluation Allowance for Debt Restructuring) NPLs 56,458 59,516 64,185 76,342 85,030 55,026 59,171 64,002 76,133 84,762 Total Assets 2,514,771 2,256,490 1,968,188 1,762,476 1,543,830 2,502,231 2,250,884 1,962,210 1,756,094 1,539,743 Total Deposits 1,883,781 1,666,961 1,285,389 1,248,051 1,207,613 1,884,262 1,667,374 1,285,760 1,248,192 1,208,140 Total Liabilities 2,308,680 2,073,642 1,835,253 1,636,689 1,431,303 2,300,056 2,070,629 1,833,567 1,635,296 1,430,511 Total Equity 206,090 182,848 132,935 125,787 112,527 202,175 180,255 128,643 120,798 109,232 Operating Performance (million baht) Interest Income 111,403 101,798 82,486 60,857 56,479 109,959 101,272 82,116 60,280 55,873 Interest Expenses 46,921 43,676 32,554 21,089 19,817 46,773 43,645 32,543 21,074 19,818 Net Interest Income 64,482 58,122 49,932 39,768 36,662 63,186 57,627 49,573 39,206 36,055 Non-Interest Income 29,849 23,774 19,592 16,517 14,186 25,555 24,906 19,191 15,260 12,736 Other Operating Expenses 40,313 35,343 33,175 29,713 26,990 38,483 34,003 32,267 29,064 26,396 Net Profit 33,929 23,366 16,380 14,913 12,189 30,957 25,613 16,728 14,032 11,125 Financial Ratios (%) Return on Average Assets 1.42 1.11 0.88 0.90 0.85 1.30 1.22 0.90 0.85 0.78 Return on Average Equity 17.45 14.80 12.66 12.52 11.28 16.19 16.58 13.41 12.20 10.58 NPLs / Loans 2.65 3.21 4.00 5.31 6.52 2.58 3.18 3.98 5.28 6.49 BIS Total Capital Ratio* 14.79 16.38 13.74 15.52 15.92 14.79 16.38 13.74 15.52 15.92 Book Value per Share (baht) 14.74 13.08 11.88 11.25 10.06 14.46 12.89 11.50 10.80 9.77 * The Bank’s Financial Statement Messages from the Chairman and the President 2013, the year of major changes in working process, in order to boost up the bank’s competency and regain 8 its spot as the first bank of choice in customer’s mind. Annual Report 2013 Krung Thai Bank Pcl. 9 Messages from the Chairman and the President The year 2013 established further distinctive remarks THB 5,600 million besides from the ordinary reserve as at for Krung Thai Bank with its constant achievements THB 6,000 million. Therefore, the bank has built up loan reflecting in the highest record of net profit earning loss reserve coverage ratio from 92.7% to 109.5% so and the kick-off project of Transformation toward as to accommodate for the future fluctuations and the operating process with the purpose to boost up enhance stability to the Bank. 10 the long-term competitive potentiality. Among many As for the Bank’s strategy in 2013, apart from the challenging arising from the fluctuation of several strong intention to serve the customers with best care factors including economic environment, finance, and best service, generate sustainable income, diversify society, politic and technology in 2013, the Bank has faced sources of customers and income as well as create and with some drawbacks, for instance; the unexpected develop the innovative financial services, the Bank has slowdown of Thai economy, the decline of domestic initiated KTB Transformation project, the major changes consumption and investment, the fragile expansion of working process applying to the whole organization, from export sector as well as the high amount of in order to boost up the Bank’s competency and regain household debt, the political conflicts, the instability in its spot as the first bank of choice in customer’s mind. money market and the abrupt change of technology The transformation covered in various aspects as credit and communication. However, by adhering banking approval, risk management and human resources business to the appropriate strategies and on the basis management. To start, the Bank has put more attention of maintaining balance among dimensions of income toward retails and SME customers by facilitating their generating, risk management, good governance and business via the modern, fast and accurate system social responsibility, jointly with the Bank’s initiative and equipment. On the other hand, the standard of improvement in well-rounded internal operation process, Bank’s risk management had been elevated more they have elevated the operative performance of the efficiently after receiving the award of Achievement in Bank to grow greater beyond the goals setting in all Operational Risk Management Award for 2012 granted aspects. The distinguishing accomplishments exhibited by the Asian Banker Magazine. Furthermore, the HR in a new record setting of net profits rising up to Transformation also got highlighted mainly with the 45.2% amounting at THB 33,929 million. Additionally, intensive skill development of executives and the Bank can maintain further Loan Loss Reserves as at staffs. All Groups of the Bank were encouraged Annual Report 2013 Krung Thai Bank Pcl. to participate in human resource management in capabilities, capturing new growth opportunities, order to push forward the Bank into Performance Driven expanding business to accommodate AEC, and Organization under the philosophy “Effective Works, developing the Bank into performance driven Happy Staffs”. Above all, the Bank remains managing organization. The Bank is confident that its Transformation and operating business by adhering to the good shall become another major driving force escorting the corporate governance, in which the evidence to this Bank to achieve goal and pave the way to become reflects from the SOE Awards 2013 in the Honor Class the first bank of choice for all customers. for the Outstanding State Enterprise Board of Directors On behalf of the Board of Directors, the executives, and the SET Award of Honor in the category of staff members and the affiliated companies, we hereby 11 Corporate Governance received consecutively starting declare our strong determination to conduct the Bank from 2009 to 2013.
Load more

Recommended publications
  • Application for Changing of Dividend Payment
    Application for Changing of Dividend Payment To Registrar of Standard Chartered Bank (Thai) Public Company Limited I (name of shareholder) Shareholder registration no. number of identification card / juristic registration Mobile number………………………………………………….……….....Telephone number…………………..……………………………………….……………….. Email address……………………………………………………………………………………………………………….……………………………………………………………… To inform the change of dividend payment which I currently receive as the following: (Please mark and input the information in the space provided where applicable) Change from receiving a physical cheque to crediting my bank account with details as below Change of my bank account with details as below Details of receiving bank account Account name………………………………………………………………………………………………………………………………………………………..…….….. Bank………………………………………………………………………………………………………………………………………………………..……………………….... (Applicable to the branch in Thailand of specific banks listed on the back of this request form only.) Type of account Savings Current Branch…………………………………………………….……………………. Account number ***If dividends cannot be credited to the bank account specified above, the registrar will send you a cheque by registered mail to your address of record.*** I certify that the aforementioned statements are complete and true. Should Standard Chartered Bank (Thai) PCL (“the Bank”) incur any direct or indirect damage, obligation or expense due to complying with my request as given above. I shall be fully responsible and shall unconditionally compensate and indemnify the Bank in full. Signature Shareholder ( ) / / Bank Officer Number received Date / / Checker Remark Contact: Corporate Secretariat’s office of Standard Chartered Bank (Thai) Public Company Limited, Sathorn Nakorn Tower, 12th Floor, No. 100 North Sathorn Road, Silom, Bangrak, Bangkok, 10500 Thailand Telephone 66 2724 8041-42 Fax 66 2724 8044 Documents to be submitted for changing of dividend payment (All photocopies must be certified as true) For Individual Person 1.
    [Show full text]
  • Bangkok Anesthesia Regional Training Center
    RoleRole ofof BARTCBARTC (Bangkok(Bangkok AnesthesiaAnesthesia RegionalRegional TrainingTraining Center)Center) IInn cooperationcooperation inin educationeducation andand trainingtraining inin developingdeveloping countriescountries ProfProf TharaThara TritrakarnTritrakarn DirectorDirector ofof BARTCBARTC 14th WCA, Cape Town, South Africa, 3/1/2008 Oslo Center, Norway, 12/1/2008 ShortageShortage ofof anesthesiologistsanesthesiologists AA worldwideworldwide problemsproblems MoreMore seriousserious inin developingdeveloping poorpoor countriescountries MarkedMarked variationvariation amongamong countriescountries EconomyEconomy - Most important determining factors - Three levels of wealth & health - Rich countries (per capita GNP > $ 10,000) - Medium to low (GNP $ 1,000-10,000) - Poor countries (GNP < $ 1,000) RichRich && MediumMedium countriescountries GNPGNP PeoplePeople NumberNumber PeoplePeople perper capitacapita perper ofof perper (US(US $)$) doctordoctor anesthetistsanesthetists anesthetistanesthetist USA 33,799 387 23,300 11,500 Japan 34,715 522 4,229 20,000 Singapore 22,710 667 150 26,600 Hong Kong 23,597 772 150 40,000 Australia 19,313 2170 10,000 Malaysia 3,248 1,477 250 88,000 Thailand 1,949 2,461 500 124,000 Philippines 1,048 1,016 1176 64,600 MediumMedium && PoorPoor CountriesCountries GNPGNP PeoplePeople NumberNumber PeoplePeople perper capitacapita perper ofof perper (US(US $)$) doctordoctor anesthetistsanesthetists anesthetistanesthetist Indonesia 617 6,7866,786 350 591,000591,000 Pakistan 492 2,0002,000 400 340,000340,000
    [Show full text]
  • THE ROUGH GUIDE to Bangkok BANGKOK
    ROUGH GUIDES THE ROUGH GUIDE to Bangkok BANGKOK N I H T O DUSIT AY EXP Y THANON L RE O SSWA H PHR 5 A H A PINKL P Y N A PRESSW O O N A EX H T Thonburi Democracy Station Monument 2 THAN BANGLAMPHU ON PHE 1 TC BAMRUNG MU HABURI C ANG h AI H 4 a T o HANO CHAROEN KRUNG N RA (N Hualamphong MA I EW RAYAT P R YA OAD) Station T h PAHURAT OW HANON A PL r RA OENCHI THA a T T SU 3 SIAM NON NON PH KH y a SQUARE U CHINATOWN C M HA H VIT R T i v A E e R r X O P E N R 6 K E R U S N S G THAN DOWNTOWN W A ( ON RAMABANGKOK IV N Y E W M R LO O N SI A ANO D TH ) 0 1 km TAKSIN BRI DGE 1 Ratanakosin 3 Chinatown and Pahurat 5 Dusit 2 Banglamphu and the 4 Thonburi 6 Downtown Bangkok Democracy Monument area About this book Rough Guides are designed to be good to read and easy to use. The book is divided into the following sections and you should be able to find whatever you need in one of them. The colour section is designed to give you a feel for Bangkok, suggesting when to go and what not to miss, and includes a full list of contents. Then comes basics, for pre-departure information and other practicalities. The city chapters cover each area of Bangkok in depth, giving comprehensive accounts of all the attractions plus excursions further afield, while the listings section gives you the lowdown on accommodation, eating, shopping and more.
    [Show full text]
  • Cover Tjs 35-4-57
    ISSN 0125-6068 TheThai Journal of SURGERY Official Publication of the Royal College of Surgeons of Thailand www.surgeons.or.th/ejournal Volume 35 October-December 2014 Number 4 ORIGINAL ARTICLES 121 Comparison between Ventriculoatrial Shunt and Ventriculoperitoneal Shunt: Revision Rate and Complications Korrapakc Wangtanaphat, Porn Narischart 126 Open Surgical Management of Atherosclerotic Aortoiliac Occlusive Diseases (AIOD) Type 1 Anuwat Chantip 130 “Sawanpracharak” Connector: A Single Tube Intercostal Drainage Connector Wanchai Manakijsirisuthi 134 The Trainee’s Operative Experiences for General Surgery in Thailand Potchavit Aphinives CASE REPORT 139 Mitral and Tricuspid Valve Replacement in Uncommon Case of Situs Inversus with Dextrocardia Nuttapon Arayawudhikul, Boonsap Sakboon, Jareon Cheewinmethasiri, Angsu Chartirungsun, Benjamaporn Sripisuttrakul ABSTRACTS 143 Abstracts of the 39th Annual Scientific Congress of the Royal College of Surgeons of Thailand, 10-13 July 2014, Ambassador City Jomtien Hotel, Jomtien, Pattaya, Cholburi, Thailand (Part II) 169 Index Secretariat Office : Royal Golden Jubilee Building, 2 Soi Soonvijai, New Petchaburi Road, Huaykwang, Bangkok 10310, Thailand Tel. +66 2716 6141-3 Fax +66 2716 6144 E-mail: [email protected] www.surgeons.or.th The THAI Journal of SURGERY Official Publication of the Royal College of Surgeons of Thailand Vol. 35 October - December 2014 No. 4 Original Article Comparison between Ventriculoatrial Shunt and Ventriculoperitoneal Shunt: Revision Rate and Complications Korrapakc Wangtanaphat, MD Porn Narischart, MD Prasat Neurological Institute, Department of Medical Services, Ministry of Pubic Health, Bangkok, Thailand Abstract Background and Objective: Hydrocephalus is a common problem in neurosurgical field. In current clinical practice guidelines, ventriculoatrial shunt and ventriculoperitoneal shunt are recommended treatment options. No previous study reported differences between two procedures in term of complications and revision rates.
    [Show full text]
  • Gauging the Potential in Thai Banking* Introduction Overview
    Financial Services Back on the investment radar: Gauging the potential in Thai banking* Introduction Overview The Thai banking sector is attracting increasing international • Economy set to rebound as confidence returns following interest as the market opens up to foreign investment and the return to democracy. the return to democracy helps to reinvigorate consumer • Banking sector recording steady growth. Strong confidence and demand. opportunities for the development of retail lending. Bad debt ratios have gradually declined and the balance • Foreign banks account for 12% of the market by assets and sheets of Thailand’s leading banks have strengthened 10% of lending by value.7 Strong presence in high-value considerably since the Asian financial crisis of 1997.1 niche segments including auto finance, mortgages and The moves to Basel II and IAS 39 are set to enhance credit cards. transparency and risk management within the sector, while accelerating the demand for foreign capital and expertise. • Organic entry strategies curtailed by licensing and branch opening restrictions. Reforms already in place include the ‘single presence’ rule, which by seeking to limit cross-ownership of the country’s • Acquisition of minority stakes in existing banks proving banks is leading to increased consolidation and the opening increasingly popular. Ceiling on foreign holdings set to be up of sizeable holdings for new investment. The Financial raised to 49%, though there are no firm plans to allow Sector Master Plan and forthcoming Financial Institution outright control. Business Act (2008), which will come into force in August • Demand for capital and foreign expertise is encouraging 2008, could ease restrictions on branch openings and the more domestic banks to seek foreign investment, especially size of foreign investment holdings.
    [Show full text]
  • Requisition for Substitute Document for Case Where the License to Undertake
    + Public Handbook: Requisition for substitute document for case where the license to undertake designated payment systems business or payment services business is lost, destroyed or material contents of which are damaged. Service Agency: Payment Systems Policy Department, Bank of Thailand (BOT) Regulations, procedures, conditions (if any) for application submission and consideration process 1. Related Regulations Payment Systems Act B.E. 2560 (2017) Notification of the Ministry of Finance Re: Stipulation on Designated Payment Systems, dated 17 April 2018 (B.E. 2561) Notification of the Ministry of Finance Re: Stipulation on Designated Payment Services, dated 17 April 2018 (B.E. 2561) Bank of Thailand Notification No. SorNorChor. 3/2561 Re: Regulations, Procedures and Conditions on Application for License to Undertake Designated Payment Systems Business, dated 16 April 2018 (B.E. 2561) Bank of Thailand Notification No. SorNorChor. 5/2561 Re: Regulations, Procedures and Conditions on Application for License and Registration to Undertake Designated Payment Services Business, dated 16 April 2018 (B.E. 2561) 2. Conditions for Application Submission Those intending to request for substitute document shall have the following qualifications: (1) being a licensed designated payment systems business; or (2) being a licensed designated payment services business. 3. Procedures and Methods for Submitting an Application (1) A payment systems operator or a payment service provider shall submit a request together with certified true copy of documents and evidences to the Bank of Thailand through any of the specified service channels within 30 days from the date of acknowledgment of the lost, destroyed or materially damaged license, as the case may be.
    [Show full text]
  • Siam City Bank Public Company Limited
    Tender Offer for Securities Of Siam City Bank Public Company Limited By The Offeror Thanachart Bank Public Company Limited 17 September 2010 – 19 November 2010 (Business day only) 9.00 a.m. – 4.00 p.m. Tender Offer Preparer and Agent Thanachart Securities Public Company Limited -Translation- TNS_IB 098/2010 14 September 2010 Subject : The submission of the Tender Offer Form for securities of Siam City Bank Public Company Limited To : The Secretary –General of the Office of the Securities and Exchange Commission The President of the Stock Exchange of Thailand The Directors and Shareholders of Siam City Bank Public Company Limited Enclosed : The tender offer form for securities of Siam City Bank Public Company Limited (Form 247-4) Pursuant to Thanachart Bank Public Company Limited (“Tender Offeror”) offers to tender securities of Siam City Bank Public Company Limited (“SCIB” or “the Company”) from all minority shareholders at the offer price of 32.50 Baht per share for the purpose of delist SCIB shares from listed securities in the Stock Exchange of Thailand. In addition, the Shareholders’ Meeting of SCIB has resolved to approve the delisting of securities of SCIB from listed securities in the Stock Exchange of Thailand on 5 August 2010 and the SET has approved an application for voluntary delisting of SCIB shares on 27 August 2010. Thanachart Securities Public Company Limited, a tender offer preparer, is pleased to submit the Tender Offer Form (Form 247-4) for securities of the Company to the Securities and Exchange Commission, the Stock Exchange of Thailand, the Company, and the Shareholders of the Company as a supporting document for consideration.
    [Show full text]
  • Investor Presentation As of 1Q13
    KASIKORNBANK Investor Presentation as of 1Q13 July 2013 For further information, please contact the Investor Relations Unit or visit our website at www.kasikornbankgroup.com or www.kasikornbank.com 1 KASIKORNBANK at a Glance Established on June 8, 1945 with registered capital of Bt5mn (USD 0.17mn) Listed on the Stock Exchange of Thailand (SET) since 1976 Consolidated (as of March 2013) Asse ts Bt2,110bn (USD72.0bn) Ranked #4 with 14.7% market share** Loans* Bt1,356bn (USD46.3bn) Ranked #4 with 14.8% market share** Deposits Bt1,428bn (USD48.7bn) Ranked #4 with 15.1% market share** CAR 15.79% *** ROE (1Q13) 21.23% ROA (1Q13) 1.93% Number of Branches 877 Number of ATMs 7,689 Number of Employees 17,718 Share Information SET Symbol KBANK, KBANK-F Share Capital: Authorized Bt30.5bn (USD1.0bn) Issued and Paid-up Bt23.9bn (USD0.8bn) Number of Shares 2.4bn shares Market Capitalization Bt498bn (USD17.0bn) Ranked #2 in Thai banking sector 1Q13 Avg. Share Price: KBANK Bt204.75 (USD6.99) KBANK-F Bt206.72 (USD7.05) EPS (1Q13) Bt4.22 (USD0.14) BVPS Bt81.85 (USD2.79) Notes: * Loans = Loans to customers less Deferred revenue ** Assets, loans and deposits market share is based on C.B.1.1 (Monthly statement of assets and liabilities) *** Capital Adequacy Ratio (CAR) has been reported in accordance with Basel III Capital Requirement from 1 January 2013 onwards. CAR is based on KASIKORNBANK FINANCIAL CONGLOMERATE. KASIKORNBANK FINANCIAL CONGLOMERATE means the company under the Notification of the Bank of Thailand re: Consolidated Supervision, consisted of KBank, K Companies and subsidiaries operating in supporting KBank, Phethai Asset Management Co., Ltd.
    [Show full text]
  • Fixed Income Investor Presentation
    KASIKORNBANK Fixed Income Investor Presentation September 2019 For further information, please contact the Investor Relations Unit or visit our website at www.kasikornbank.com 1 KASIKORNBANK at a Glance Established on June 8, 1945 with registered capital of Bt5mn (USD0.16mn) Listed on the Stock Exchange of Thailand (SET) since 1976 Consolidated (as of June 2019) Assets Bt3,256bn (USD105.9bn) Ranked #3 with 15.5% market share** Loans* Bt1,933bn (USD62.9bn) Ranked #4 with 15.1% market share** Deposits Bt2,005bn (USD65.2bn) Ranked #3 with 15.8% market share** CAR 18.55% *** ROE (1H19) 10.35% ROA (1H19) 1.25% Number of Branches 882 Number of ATMs 8,840 Number of K PLUS Users 11.1mn Number of Employees 20,352 Share Information SET Symbol KBANK, KBANK-F Share Capital: Authorized Bt30.5bn (USD1.0bn) Issued and Paid-up Bt23.9bn (USD0.8bn) Number of Shares 2.4bn shares Market Capitalization Bt449bn (USD14.6bn) Ranked #2 in Thai banking sector 2Q19 Avg. Share Price: KBANK Bt190.00 (USD6.18) KBANK-F Bt190.58 (USD6.20) EPS (1H19) Bt8.35 (USD0.27) BVPS Bt165.40 (USD5.38) Notes: * Loans = Loans to customers less deferred revenue ** Assets, loans and deposits market share is based on C.B.1.1 (Monthly statement of assets and liabilities) of 14 Thai commercial banks as of June 2019 *** Capital Adequacy Ratio (CAR) has been reported in accordance with Basel III Capital Requirement from 1 January 2013 onwards. CAR is based on KASIKORNBANK FINANCIAL CONGLOMERATE. KASIKORNBANK FINANCIAL CONGLOMERATE means the company under the Notification of the Bank of Thailand re: Consolidated Supervision, consisted of KBank, K Companies and subsidiaries operating in supporting KBank, Phethai Asset Management Co., Ltd.
    [Show full text]
  • Community-Based Tourism: a Strategy for Sustainable Tourism Development of Patong Beach, Phuket Island, Thailand
    Asian Social Science; Vol. 11, No. 27; 2015 ISSN 1911-2017 E-ISSN 1911-2025 Published by Canadian Center of Science and Education Community-Based Tourism: A Strategy for Sustainable Tourism Development of Patong Beach, Phuket Island, Thailand Maythawin Polnyotee1 & Suwattana Thadaniti1 1 Interdisciplinary program in Environment, Development and Sustainability, Graduate School, Chulalongkorn University, Thailand 2 Chulalongkorn University Social Research Institute, Chulalongkorn University, Bangkok, Thailand Correspondence: Maythawin Polnyotee, Interdisciplinary program in Environment, Development and Sustainability, Graduate School, Chulalongkorn University, Thailand. E-mail: [email protected] Received: June 25, 2015 Accepted: October 16, 2015 Online Published: November 20, 2015 doi:10.5539/ass.v11n27p90 URL: http://dx.doi.org/10.5539/ass.v11n27p90 Abstract This study proposes community-based tourism as a strategy for sustainable tourism development of Patong Beach. Direct observation, questionnaire and interview are research instruments. A result of analyzing 120 questionnaires of local people which displayed a negative impact including economic impact which was very high ( x = 4.53), social impact ( x = 4.28 )and environmental impact ( x = 4.42) which were high so the total mean score was high ( x = 4.41). The Community-Based Tourism was adapted for solution all negative impacts which were mentioned earlier. The sreategies are namely 1. Political development strategy: (1.1) Enabling the participation of local people, (1.2) Giving the power of the community over the outside and (1.3) Ensuring rights in natural resource management. 2. Environmental development strategy: (2.1) Studying the carrying capacity of the area, (2.2) Managing waste disposal and (2.3) Raising awareness of the need for conservation.3.
    [Show full text]
  • Comparative Destination Vulnerability Assessment for Khao Lak, Patong Beach and Phi Phi Don
    SEI - Africa Institute of Resource Assessment University of Dar es Salaam P. O. Box 35097, Dar es Salaam Tanzania Tel: +255-(0)766079061 SEI - Asia 15th Floor, Witthyakit Building 254 Chulalongkorn University Chulalongkorn Soi 64 Phyathai Road, Pathumwan Bangkok 10330 Thailand Tel+(66) 22514415 Stockholm Environment Institute, Project Report - 2009 SEI - Oxford Suite 193 266 Banbury Road, Oxford, OX2 7DL UK Tel+44 1865 426316 SEI - Stockholm Kräftriket 2B SE -106 91 Stockholm Sweden Tel+46 8 674 7070 SEI - Tallinn Lai 34, Box 160 EE-10502, Tallinn Estonia Tel+372 6 276 100 SEI - U.S. 11 Curtis Avenue Somerville, MA 02144 USA Tel+1 617 627-3786 SEI - York University of York Heslington York YO10 5DD UK Tel+44 1904 43 2897 The Stockholm Environment Institute Comparative Destination Vulnerability Assessment for SEI is an independent, international research institute.It has been Khao Lak, Patong Beach and Phi Phi Don engaged in environment and development issuesat local, national, regional and global policy levels for more than a quarterofacentury. Emma Calgaro, Sopon Naruchaikusol, and Kannapa Pongponrat SEI supports decision making for sustainable development by bridging science and policy. sei-international.org Comparative Destination Vulnerability Assessment for Khao Lak, Patong Beach and Phi Phi Don Sustainable Recovery and Resilience Building in the Tsunami Affected Region Emma Calgaro, Sopon Naruchaikusol, and Kannapa Pongponrat (1) Department of Environment and Geography, Macquarie University, Sydney (2) Stockholm Environment Institute
    [Show full text]
  • Annual Report 2019 En.Pdf
    CONTENTS: Message form Chairman 4 Board of Directors 6 General Information and other information 8 News and Events 11 Financial Hightlight 19 Audit Committee’s Report 20 Risk Management Committee’s Report 22 Nomination and Compensation Committee’s Report 23 Corporate Governance Committee’s Report 24 Section 1 25 1. Policy and Overview of Business Operation 26 2. The Characteristics of the Business Operation 32 3. Risk Factor 50 Section 2 52 4. Security and Shareholders information 53 5. Organizational Structure 55 6. Corporate Governance 72 7. Corporate Social Responsibility (CSR) 88 8. Internal Control and Rish Management 92 9. Relate Party Transactions 94 Finacial Information 104 Management Discussion and Analysis 105 Financial Statement 108 ANNUAL REPORT 4 2019 MESSAGE from CHAIRMAN SIAM WELLNESS GROUP PLC. 5 Dear Shareholders of Siam Wellness Group Public Company Limited [SPA], On behalf of the Board of Directors of Siam Wellness Group Public Company Limited [SPA], I would like to sincerely thank all of the shareholders for your trust and support in our company. Thailand still welcomed the highest record in number of tourists for 5th consecutive year with 39.77 million tourists, a 3.89% growth from 2018. As a result, the Company’s performance has reflect this with the total revenue of 1.45 billion baht, a growth of 26% and the total net profit of 245 million baht, a growth of 19 %. This year’s performance also marks the Company’s best financial record for another year. In 2019, Siam Wellness Group Public Company Limited has expanded 11 new branches in which 5 branches are expanded under Organic Growth Model domestically including Let’s Relax Spa The Market, Let’s Relax Ginza Thonglor, Let’s Relax Central Embassy, Let’s Relax I’m Chinatown and Let’s Relax Porto de Phuket and 3 branches are expanded a new Spa Operating in Hotel Model including Let’s Relax ibis Styles Huaykwang, Let’s Relax Rua Rasada Trang and Let’s Relax Srilanta Krabi.
    [Show full text]