KTB 2005 Annual.Pdf
Vision The Convenience Bank... trendy, easy to access, anywhere, anytime ...offering a complete line of products to all clients with speedy service all at one stop Mission Offering a complete line of financial services and products to all target groups with speedy and accurate services at competitive prices through nationwide branch network and adhering to good management principle. ANNUAL REPORT 2005 Krung Thai Bank Pcl. 1 Contents Page Financial Highlights 3 Message from the Chairman and the President 6 Board of Directors 10 Executive Officers 18 Business Environment 30 Nature of Business Operation 38 Organization Chart 50 Shareholding and Management Structure 52 Analysis of Operating Performance and Financial Standing 64 Risk Factors and Risk Management 78 Business Supervision 86 Report of the Audit Committee 99 Board of Directorsû Responsibility for Financial Reports 100 Auditorûs Report 101 Financial Statements 102 General Information 185 Executives Directory 195 Banking Network 200 Summary of Specified Items per Form 56-2 215 ANNUAL REPORT 2005 2 Krung Thai Bank Pcl. Financial Highlights Items Consolidated Krung Thai Bank 2005 2004 2003 2002 2001 2005 2004 2003 2002 2001 Financial Standing (million baht) Loans 891,997 935,204 978,372 849,774 700,406 894,731 937,804 979,026 849,776 700,413 Bad Debts and Doubtful Accounts 41,125 63,359 59,454 63,924 29,134 41,125 63,359 59,454 63,924 29,134 NPLs 97,635 119,693 79,443 107,844 64,655 97,635 119,693 79,443 107,844 64,655 Total Assets 1,160,021 1,148,903 1,134,501 1,058,443 976,741 1,160,070
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