- Page 4 and 5: SCIB Universal Bank 2 Annual Report
- Page 6 and 7: Message from the Board of Directors
- Page 8 and 9: in Service. Fairness in Administrat
- Page 10 and 11: Board of Directors 1. Mr. Sompol Ki
- Page 12 and 13: Board of Directors Education • B.
- Page 14 and 15: Board of Directors Education • LL
- Page 16 and 17: Siam City Bank , s Organization Cha
- Page 18 and 19: Senior Executive Officers Mr. Arun
- Page 20 and 21: Mr. Pongsak Harnsongkitpong Executi
- Page 22 and 23: Mr. Virat Thanatrongpol Executive V
- Page 24 and 25: Mrs. Amornrat Leevarapakul Executiv
- Page 26 and 27: List of Executive Officers Board of
- Page 28 and 29: Financial Position and Operating Re
- Page 30 and 31: Financial Position Asset At the end
- Page 32 and 33: Loan Classification and Provision f
- Page 34 and 35: Sources of Funds (The Bank only) Pr
- Page 36 and 37: Maturity Structure of Sources and U
- Page 38 and 39: In 2006, the Bank will continue to
- Page 40 and 41: Personnel The Bank has always recog
- Page 42 and 43: 4. Brokerage and Agency Service Gro
- Page 44 and 45: Marketing and Competition Market Ov
- Page 46 and 47: Offer a variety of products and ser
- Page 48 and 49: Shareholding Structure and Manageme
- Page 50 and 51: At its 2 nd meeting on 16 November
- Page 52 and 53:
6. Duties and Responsibilities of D
- Page 54 and 55:
Board of Executive Directors As at
- Page 56 and 57:
2. Tenure Members of the Audit Comm
- Page 58 and 59:
9. Mr. Cherd Suppana Member 10. Mr.
- Page 60 and 61:
Bank’s Executives As at 4 January
- Page 62 and 63:
1. Recruitment 1.1 Individuals insi
- Page 64 and 65:
Name Position No. of shares held as
- Page 66 and 67:
The above measures are believed to
- Page 68 and 69:
Type of Activities Exhibition board
- Page 70 and 71:
The campaigns to promote good corpo
- Page 72 and 73:
Employees: All employees shall be e
- Page 74 and 75:
3. Ethical conduct toward employees
- Page 76 and 77:
5. Ethical conduct toward society 5
- Page 78 and 79:
The Board of Executive Directors’
- Page 80 and 81:
Risk Management and Risk Factors Co
- Page 82 and 83:
Risk from Decline of Interest Incom
- Page 84 and 85:
Liquidity Risk Management Liquidity
- Page 86 and 87:
Names and locations of the companie
- Page 88 and 89:
As at December 31, 2005 The bank he
- Page 90 and 91:
Auditorûs Report Report of Indepen
- Page 92 and 93:
BALANCE SHEETS (Continued) AS AT 31
- Page 94 and 95:
STATEMENTS OF EARNINGS FOR THE YEAR
- Page 96 and 97:
STATEMENTS OF CHANGES IN SHAREHOLDE
- Page 98 and 99:
STATEMENTS OF CASH FLOWS FOR THE YE
- Page 100 and 101:
NOTES TO FINANCIAL STATEMENTS SIAM
- Page 102 and 103:
3.2 Expense recognition (a) (b) (c)
- Page 104 and 105:
3.8 Allowance for doubtful accounts
- Page 106 and 107:
3.14 Translation of foreign currenc
- Page 108 and 109:
Furthermore, SAM is in the process
- Page 110 and 111:
7. INVESTMENTS 7.1 Classified by ty
- Page 112 and 113:
(Unit : Million Baht) The Bank only
- Page 114 and 115:
On 17 January 2005, Max Life Assura
- Page 116 and 117:
7.4 Investments representing shareh
- Page 118 and 119:
The Bank only (Unit : Million Baht)
- Page 120 and 121:
During the years, the Bank received
- Page 122 and 123:
8.4 Classified by type of business
- Page 124 and 125:
8.5 Classified by loan classificati
- Page 126 and 127:
8.8 Troubled debt restructuring The
- Page 128 and 129:
Supplemental information for the ye
- Page 130 and 131:
(Unit : Million Baht) The Bank Only
- Page 132 and 133:
(Unit : Million Baht) Consolidated
- Page 134 and 135:
(Unit : Million Baht) The Bank Only
- Page 136 and 137:
14. OTHER ASSETS (Unit : Million Ba
- Page 138 and 139:
16. INTERBANK AND MONEY MARKET ITEM
- Page 140 and 141:
20. REVALUATION SURPLUS ON INVESTME
- Page 142 and 143:
25. DIVIDEND PAYMENT On 7 April 200
- Page 144 and 145:
27. COMMITMENTS AND CONTINGENT LIAB
- Page 146 and 147:
The Bank has already made provision
- Page 148 and 149:
The outstanding balances of signifi
- Page 150 and 151:
30.2 Results of operations classifi
- Page 152 and 153:
31.2.1 Interest rate risk Interest
- Page 154 and 155:
31.2.2 Foreign exchange risk Foreig
- Page 156 and 157:
(Unit : Million Baht) The Bank only
- Page 158 and 159:
(Unit : Million Baht) The Bank Only
- Page 160 and 161:
List of Branches OFFICE / BRANCH TE
- Page 162 and 163:
OFFICE / BRANCH TELEPHONE FAX E-MAI
- Page 164 and 165:
OFFICE / BRANCH TELEPHONE FAX E-MAI
- Page 166 and 167:
OFFICE / BRANCH TELEPHONE FAX E-MAI
- Page 168 and 169:
OFFICE / BRANCH TELEPHONE FAX E-MAI
- Page 170 and 171:
OFFICE / BRANCH TELEPHONE FAX E-MAI
- Page 172 and 173:
Trad Khao-Chang Sub-Branch Khao-Cha
- Page 174 and 175:
NORTH AMERICA CANADA TORONTO BANK O
- Page 176:
†Items as required in format 56-2