( )

() 31 25581.1.1

34 ( 2557)

1.2

31 2557

31 255831 2557

()()

99.9999.99

()

1.3

1 2558

19 ( 2557)

10

10 27

12

13

1.4 31 2557 2.

()

()

()

()

(: )

31

2558255725582557

()

--1.601.46 10 (2557: 5)

--0.310.31 0.5

--15.155.13

0.010.22--

-0.02--

6.936.775.495.35

0.410.420.350.34

27.9932.6917.8217.75

0.250.250.130.13

31 2558 2557 (: )

31

2558255725582557

14,91514,81212,18012,165

386366320304

15,30115,17812,50012,469

31 2558 31 2557 (: )

31 255831

255731 255831

2557

163,041103,56279,17568,315

163,041103,56279,17568,315

-5,289--

-5,289--

--308-

980839833681

-62--

9809011,141681

--2,430,0001,790,000

--2,430,0001,790,000

5,8098,1844,9558,184

90,000270,000--

95,809278,1844,9558,184

: 2,300,000

(300,000)2,300,000 (300,000)1,500,000 -1,500,000

-

2,000,0002,000,0001,500,0001,500,000

50,00050,00050,00050,000

50,00050,00050,00050,000

378522222222

250-125-

628522347222

(: )

31 2557270,000-

360,000130,000

(540,000)(130,000)

31 255890,000-

(: )

31 2557-1,790,000

-1,150,000

-(510,000)

31 2558-2,430,000

31 2558 250 (31 2557: 250 )3.3.1 31 2558 31 2557 (: )

31 255831 255731 255831 255731 255831 2557

12,155,64711,947,76318,754,87618,783,76930,910,52330,731,532

:

(1,750,690)(1,731,514)(1,854,621)(1,865,137)(3,605,311)(3,596,651)

10,404,95710,216,24916,900,25516,918,63227,305,21227,134,881

: (128,513)(117,510)(199,061)(175,879)(327,574)(293,389)

- 10,276,44410,098,73916,701,19416,742,75326,977,63826,841,492

(: )

31 255831 255731 255831 255731 255831 2557

10,866,58610,695,09717,475,45417,548,48828,342,04028,243,585

:

(1,600,303)(1,586,743)(1,752,962)(1,768,510)(3,353,265)(3,355,253)

9,266,2839,108,35415,722,49215,779,97824,988,77524,888,332

: (107,662)(92,506)(182,055)(159,357)(289,717)(251,863)

- 9,158,6219,015,84815,540,43715,620,62124,699,05824,636,469

3.2 31 2558 31 2557 ()

(: )

31 255831 255731 255831 2557

24,043,71923,979,66421,781,27721,780,228

1 - 3 2,681,4642,712,0242,638,9162,682,267

4 - 6 311,432258,609306,005257,608

7 - 12 188,528114,948186,170109,587

12 80,06969,63676,40758,642

27,305,21227,134,88124,988,77524,888,332

: (327,574)(293,389)(289,717)(251,863)

- 26,977,63826,841,49224,699,05824,636,469

3.3 30 2547 (Consumer finance) 3 3 31 2558 278.87 (31 2557: 173.97 ) 31 2558 3.68 (31 2557: 2.40 )

6 31 2558 1.16 (31 2557: 1.01) 0.59 31 2558 2544 2554

31 2558 3 324.03 (31 2557: 267.47 )

(Commercial loan) 3.4 31 2558 () 12,154.15 (31 2557: 12,223.73 ) 11 123.5 31 2558 31 2557 () 250.73 172.60 (: 244.77 159.67 )3.6 12 60

4.4.1 31 2558 31 2557

(: )

31 255831 255731 255831 255731 255831 2557

466,719447,135524,307531,766991,026978,901

: (54,667)(55,220)(43,438)(44,101)(98,105)(99,321)

412,052391,915480,869487,665892,921879,580

: (21,580)(11,429)(3,937)(14,222)(25,517)(25,651)

- 390,472380,486476,932473,443867,404853,929

4.2 31 2558 31 2557 () (: )

31 255831 2557

869,408859,490

1 - 3 3,09920,090

4 - 6 20,414-

892,921879,580

: (25,517)(25,651)

- 867,404853,929

4.3 31 2558 () 20.41 (31 2557: )

4.4 36 60 5.5.1 31 2558 31 2557 (: )

31 255831 2557

1,407,0831,286,281

: (268,449)(219,376)

1,138,6341,066,905

: (42,818)(43,236)

- 1,095,8161,023,669

5.2 31 2558 31 2557 -

(: )

31 255831 2557

1,061,483998,504

1 - 3 34,46325,181

4 - 6 --

7 -12 -1,528

12 42,68841,692

1,138,6341,066,905

: (42,818)(43,236)

- 1,095,8161,023,669

5.3 31 2558 () 41.83 (31 2557: 40.14 )6.6.1 31 2558 31 2557 (: )/

31 255831 255731 255831 255731 255831 2557

80,07571,87321,60023,841101,67595,714

: (3,748)(3,417)(1,376)(1,393)(5,124)(4,810)

- 76,32768,45620,22422,44896,55190,904

6.2 31 2558 31 2557 (: )/

31 255831 2557

86,36781,676

1 - 3 6,2596,097

4 - 6 1,3241,883

7 - 12 3,7053,018

12 4,0203,040

101,67595,714

: (5,124)(4,810)

- 96,55190,904

7.

31 2558 31 2557

31 255831 255731 255831 2557

1859016265

/44,02843,88741,42041,322

()18611916168

8.

31 2558 (: )

31 2557240,388212,171

24,49923,870

(906)(906)

31 2558263,981235,135

31 2557147,771125,275

5,5834,983

(905)(905)

31 2558152,449129,353

31 255792,61786,896

31 2558111,532105,782

9.

31 2558 (: )

31 255739,32031,288

809809

31 255840,12932,097

(: )

31 255719,49115,107

875726

31 255820,36615,833

31 255719,82916,181

31 255819,76316,264

10.

31 2558 31 2557 266.58 250.83 ( 146.31 137.61 ) 244.09 228.34 22.49 11.

31 2558 31 2557 1,432 1,141 (: 1,030 630 ) 3.412. (: )

/

31 25577,350,000

350,000

(350,000)

31 25587,350,000

: 1 (2,350,000)

1 5,000,000

31 2558 (: )

/

25582,350,000

25593,100,000

25601,550,000

2561350,000

7,350,000

3.4 13.

31 2558 31 2557 (: )

31 255831 255731 255831 2557

- 2,474,0002,674,0002,474,0002,564,000

: (12,162)(15,941)(12,162)(15,252)

- 2,461,8382,658,0592,461,8382,548,748

14.

(: )/

31 255831 2557

1/2556 4.55 2.5 21 2558350.00350.00

2/2556 4.50 3 27 25591,300.001,300.00

1/2557 4.15 3 28 2560100.00100.00

2/2557 3.82 2 16 2559240.00240.00

3/2557 4.10 3 8 2560210.00210.00

4/2557 4.05 3 9 2560150.00150.00

5/2557 4.05 3 10 2560220.00220.00

6/2557 3.79 2 11 2559215.00215.00

7/2557 4.05 3 25 2560500.00500.00

8/2557 4.05 3 8 2560320.00320.00

9/2557 3.95 3 25 2560250.00250.00

(: )/

31 255831 2557

10/2557 3.95 3 10 2560200.00200.00

11/2557 3.95 3 25 2560100.00100.00

12/2557 3.70 2 7 2559160.00160.00

13/2557 3.95 3 10 2560200.00200.00

14/2557 3.85 3 7 2560130.00130.00

15/2557 3.70 2 25 2559120.00120.00

16/2557 3.70 2 7 2559190.00190.00

1/2558 3.60 2 28 2560300.00-

2/2558 3.70 3 18 2561100.00-

- 5,355.004,955.00

: (3.81)(4.04)

- 5,351.194,950.96

: (349.92)(349.87)

5,001.274,601.09

(: )/

31 255831 2557

2.55 2.90 3 7 8 2558 30 25583,695.004,398.00

: (0.17)(0.20)

- 3,694.834,397.80

(Debt to Equity Ratio) 10:1 15.

31 2558 2557 (: )

31 255831 255731 255831 2557

197,590174,376113,04384,572

: (5,809)(2,969) (4,955)(2,969)

191,781171,407108,08881,603

16.

31 2558 2557 (: )

31

2558255725582557

48,93948,02241,60742,457

(6,018)(8,415)(6,217)(7,722)

42,92139,60735,39034,735

17.

() 18.18.1

31 2558 3.80 (31 2557: )18.2

31 2558 121.60 0.96 64.81 (31 2557: 106.77 0.69 52.50 )

19.

() 31 2558 2557 (: )

31 2558

616,54319,7825,63127,211740669,907

616,54319,7825,63127,211740669,907

(398,075)(8,442)(1,636)(14,607)(35,327)(458,087)

() 218,46811,3403,99512,604(34,587)211,820

(42,921)

168,899

(: )

31 2557

608,39017,3085,50921,215346652,768

608,39017,3085,50921,215346652,768

(395,514)(15,896)(1,534)(13,044)(30,997)(456,985)

() 212,8761,4123,9758,171(30,651)195,783

(39,607)

156,176

(: )

31 255827,092,374882,507100,0551,104,054579,34629,758,336

31 255726,962,626863,93593,8201,031,275513,74729,465,403

31 255823,166,407753,56186,943977,694482,20625,466,811

31 255723,148,723732,96180,960905,430474,70325,342,777

20.

13

1

2

3

31 2558 (: )

/

1 2 3

- 8,892-- 8,892

21.

10 2558

- 351,895,640 1.30 457.5 30 2558

- : / : / 20,000

: 5 : / / / 22.

13 255821