COMMERCIAL BANKS IN THAILAND 2002

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2 COMMERCIAL BANKS IN THAILAND 2002 Editor-in-Chief Dr.Bunyaraks Ninsananda Assistant Editor-in-Chief Benjamas Rojvanit, Dr.Bunluasak Pussarungsri Editor Pairote Wongwuttiwat Assistant Editor Yupin Gro-Thong Graphic Anurak Petchumporn Prepared and Published by The Economic Publications Section, Research Department, Bangkok Bank Public Company Limited 333 Silom Road, Bangkok 10500, Thailand Tel. (662) Fax : (662) research.dpt@bbl.co.th 1

3 C O N T E N T S Head Office Addresses and Number of Employees Comparative Statement of Condition (Assets) Comparative Statement of Condition (Liabilities) Percentage Distribution of Assets of Individual Banks Percentage Distribution of Liabilities & Equity of Individual Banks Comparison of Total Assets Comparison of Earning Assets Comparison of Deposits Deposits of Commercial Banks Classified by Depositor Deposits of Commercial Banks Classified by Size Advances of Commercial Banks Classified by Borrower Comparison of Advances (Total Credits) Loans and Non-Performing Loans of Commercial Banks Bills, Loans and Overdrafts of Commercial Banks Classified by Purpose Advances as Percentage of Deposits Comparison of Borrowings Comparison of Net Worth Total Income and Expenses of Thai Banks Structure of Income and Expenses of Thai Banks Net Profits Structure of Interest Rates Number of Offices of Thai Commercial Banks Overseas Offices of Banks Incorporated in Thailand Bangkok International Banking Facilities BIBF Assets and Liabilities (Thai Banks) BIBF Assets and Liabilities (Foreign Banks) BIBF Assets, Liabilities and Lending (New Foreign Banks) Outstanding BIBF Lending Major Monetary and Fiscal Measures and Policies in

4 HEAD OFFICE ADDRESSES AND NUMBER OF EMPLOYEES AS AT DECEMBER 31, 2001 ADDRESSES 1/ YEAR OF TELEPHONE NUMBER OF OPENING NUMBERS EMPLOYEES Banks Incorporated in Thailand Private Banks 1. Bangkok Bank Public Company Limited 333 Silom Road , Thai Farmers Bank Public Company Limited 1 Ratburana Road , , The Siam Commercial Bank Public Company Limited 9 Ratchadaphisek Road , Bank of Ayudhya Public Company Limited 1222 Rama III Road , The Thai Military Bank Public Company Limited 3000 Phahonyothin Road , , Bank of Asia Public Company Limited 191 South Sathon Road , The DBS Thai Danu Bank Public Company Limited 393 Silom Road , Standard Chartered Nakornthon Bank Public Company Limited 90 North Sathon Road , UOB Radanasin Bank Public Company Limited 690 Sukhumvit Road ,139 Total Private Bank 62,716 State-Owned Banks 1. Krung Thai Bank Public Company Limited 35 Sukhumvit (Nana Nua) Road , Siam City Bank Public Company Limited 1101 New Phetchaburi Road , , Bangkok Metropolitan Bank Public Company Limited 2 Chalermkhet 4 Road , BankThai Public Company Limited 44 North Sathon Road ,476 Total State-Owned Bank 25,385 Sub-Total 88,101 Banks Incorporated Abroad 1. ABN AMRO Bank N.V. 179/3 Bangkok City Tower (1-4th. Fl.), South Sathon Road Bank of America N.T. & S.A. 2/2 Wireless Road The Bank of Tokyo-Mitsubishi Limited 54 Harindhorn Tower, North Sathon Road Bharat Overseas Bank Limited 221 Ratchawong Road The Bank of China 179 Bangkok City Tower, South Sathon Road BNP Paribas 990 Abdulrahim Place (29th. Fl.), Rama IV Road The Bank of Nova Scotia 898 Phloen Chit Tower (1-2rd. Fl.), Phloen Chit Road Citibank N.A. 82 Sangthong Thani Building, North Sathon Road , Credit Agricole Indosuez 152 Wireless Road The Dai-Ichi Kangyo Bank Limited 48 Tisco Tower (18th. Fl.), North Sathon Road * 11. Deutsche Bank AG. 208 Wireless Road Dresdner Bank AG. 2/ 990 Abdulrahim Place (32nd. Fl.), Rama IV Road The Hongkong and Shanghai Banking Corporation Limited 968 Rama IV Road, HSBC Building The International Commercial Bank of China 36/12 P.S. Tower, Sukhumvit 21 Road The Industrial Bank of Japan 3/ 161 Thai-Obayashi Building (15th. Fl.), Rajadamri Road JP Morgan Chase Bank 4/ 20 North Sathorn Road Oversea-Chinese Banking Corporation Limited 942/80 Charn Issara Tower (2nd. Fl.), Rama IV Road RHB Bank Berhad 287 Liberty Square Tower (10th. Fl.), Silom Road Standard Chartered Bank 100 Sathon Nakorn Tower, North Sathon Road Sumitomo Mitsui Banking Corporation 5/ 138 Boon-Mitr Building, Silom Road Sub-Total 3,756 TOTAL 91,857 Source : Compiled from individual banks 1/ All addresses are in Bangkok. * As At March / Dresdner Bank AG. suspended operations since 30 June / The Industrial Bank of Japan Limited suspended operations since 9 August / The Chase Manhattan Bank merged with Morgan Guaranty Trust Company of New York and became JP Morgan Chase Bank on 10 November / The Sumitomo Bank merged with the Sakura Bank and became Sumitomo Mitsui Banking Corporation on 1 April

5 COMPARATIVE STATEMENT OF CONDITION AS AT DECEMBER 31, 2001 INTERBANK SECURITIES INVESTMENT CASH 1/ AND MONEY PURCHASED IN MARKET UNDER RESALE SECURITIES 2/ ITEMS 1/ AGREEMENTS Banks Incorporated in Thailand 1. Bangkok Bank 16, ,070 25, , Krung Thai Bank 7, ,217 33,000 43, Thai Farmers Bank 12, ,596 3, , The Siam Commercial Bank 11,245 73,828 28, , Bank of Ayudhya 5,804 25,122 6,300 35, The Thai Military Bank 6,246 18,112-52, Siam City Bank 2, ,396 8,000 51, BankThai ,332 10,100 39, Bangkok Metropolitan Bank 1,394 94,560 7,000 9, Bank of Asia 2,122 11, , The DBS Thai Danu Bank 746 3,376-9, Standard Chartered Nakornthon Bank 414 6,492-3, UOB Radanasin Bank ,415-1,361 Sub-Total 66,621 1,266, , ,364 Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation 26 11,154-18, Citibank , , The Dai-Ichi Kangyo Bank 2 10,704 1,050 10, The Bank of Tokyo-Mitsubishi 51 7,788-13, The Hongkong and Shanghai Banking Corporation ,975-16, Deutsche Bank 25 22,954 4,000 13, Standard Chartered Bank 16 13, , ABN-AMRO Bank 3 1,915-11, Bank of America 8 13,823-4, JP Morgan Chase Bank 4 2,198-7, Credit Agricole Indosuez 9 2,717-3, BNP Paribas * 502-2, The Bank of China 10 6,541-2, The Bank of Nova Scotia 31 2,602-3, The International Commercial Bank of China , RHB Bank Berhad , Oversea-Chinese Banking Corporation Bharat Overseas Bank Sub-Total ,641 6, ,519 Total 67,151 1,396, , ,883 Source : Forms C.B. 1.1, C.B, 1.2, Bank of Thailand 4

6 (Million Baht) ACCRUED CUSTOMERS LAND, ADVANCES 1/ 3/ INTEREST PROPERTIES LIABILITIES PREMISES OTHER TOTAL RECEIVABLE FORECLOSED UNDER & ASSETS ASSETS ACCEPTANCES EQUIPMENT 649,749 1,756 29,531 1,392 30,130 13,437 1,249, ,567 4,328 14,535 2,264 16,977 12, , ,440 2,103 11, ,173 6, , ,914 2,250 11, ,784 10, , ,424 4,293 14, ,435 1, , ,029 3,920 10,672 1,269 8,220 2, ,452 59,662 1,227 9, ,694 6, , ,312 7,981 10, ,743 64, ,338 51, , ,068 18, , ,100 1,184 12, ,248 1, ,372 72, , , ,019 52,297 1, ,402 2,122 69,920 20, ,073 1,272 54,929 2,987,826 32, ,380 8, , ,084 5,666,614 86, ,318 69, , ,124 80, , ,594 74, ,049 25, ,186 61,689 10, ,244 60,414 18,954 1, ,049 45,345 12, ,400 8, ,017 16, ,017 6, , ,604 9, ,110 2, ,460 2, ,001 3, , ,430 2, ,210 1, , ,454 3, ,557 2,220 20, ,856 3,421,280 35, ,763 16, , ,546 6,411,470 1/ New classifications in accordance with the Ministerial Regulation No. 7 B.E (1996) under the Public Limited Company Act B.E (1992) and with Notifications of the Bank of Thailand relating to the financial statements of commercial banks. 2/ Net of allowance for diminution in value of securities 3/ Net of allowance for doubtful accounts * Negligible 5

7 COMPARATIVE STATEMENT OF CONDITION AS AT DECEMBER 31, 2001 INTERBANK SECURITIES DEPOSITS 1/ AND MONEY DEMAND SOLD UNDER BORROWINGS 1/ MARKET LIABILITIES REPURCHASE ITEMS 1/ AGREEMENTS Banks Incorporated in Thailand 1. Bangkok Bank 1,071,931 29,319 3,498-78, Krung Thai Bank 866,955 34,220 1, Thai Farmers Bank 664,846 13,831 3,456-48, The Siam Commercial Bank 600,990 11,395 3,584-25, Bank of Ayudhya 372,250 5,290 1,147-38, The Thai Military Bank 300,894 16, , Siam City Bank 262,153 6, , BankThai 168,935 36, , Bangkok Metropolitan Bank 173,389 2, Bank of Asia 139,419 2, , The DBS Thai Danu Bank 77,173 7, , Standard Chartered Nakornthon Bank 57,650 6, UOB Radanasin Bank 42,045 8, Sub-Total 4,798, ,895 16, ,293 Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation 48,168 6, Citibank 54,476 27,407 3, The Dai-Ichi Kangyo Bank 29,263 22, The Bank of Tokyo-Mitsubishi 48,294 6, , The Hongkong and Shanghai Banking Corporation 19,793 18, Deutsche Bank 19,431 16, Standard Chartered Bank 15,025 12,302 1,925-1, ABN-AMRO Bank 4,612 4, Bank of America 4, JP Morgan Chase Bank 2, Credit Agricole Indosuez 4,030 2, BNP Paribas 1,078 1, The Bank of China 1, The Bank of Nova Scotia 1,164 2, The International Commercial Bank of China 3, RHB Bank Berhad Oversea-Chinese Banking Corporation Bharat Overseas Bank 1, Sub-Total 260, ,362 7,594 4,105 1,000 Total 5,059, ,257 23,989 5, ,293 Source : Forms C.B. 1.1, C.B.1.2, Bank of Thailand 6

8 (Million Baht) BANK S ISSUED & RESERVES & LIABILITIES OTHER PAID-UP UNDIVIDED CAPITAL OTHER TOTAL TOTAL UNDER LIABILITIES CAPITAL PROFIT FUND 2/ RESERVES 3/ EQUITY 4/ LIABILITIES ACCEPTANCES (1) (2) (1)+(2) (3) (1)+(2)+(3) & EQUITY 1,392 21,017 14,668 7,108 21,776 21,557 43,333 1,249,031 2,264 8, ,850 (56,536) 55,314 8,142 63, , ,822 23,531 (3,895) 19,636 7,435 27, , ,141 31,311 21,527 52,838 9,103 61, , ,350 18,503 (4,252) 14, , ,560 1,269 6,614 40,029 (27,937) 12,092 1,601 13, , ,009 10,564 (31,728) (21,164) 38,807 17, , ,997 14,934 (2,577) 12,357 (827) 11, , ,340 9,803 (9) 9,794 (32) 9, , ,336 38,275 (26,595) 11,680 (3,039) 8, , ,769 17,001 (13,993) 3,008 1,165 4,173 99, ,002 7,003 (3,334) 3,669 (482) 3,187 69, ,283 8,346 (4,949) 3,397 (668) 2,729 54,929 8, , ,818 (147,170) 198,648 83, ,317 5,666, ,151 15,537 42,083 57,620 1,729 59, ,318-3,928 8,889 4,715 13,604 4,283 17, ,124-3,468 9,565 48,392 57,957 (8,870) 49, , ,535 32,788 39,323 (1,235) 38,088 97,049-2,810 5,850 11,929 17,779 2,838 20,617 61,689-14,761 6, ,956 1,588 8,544 60,414-4,207 2,897 6,919 9,816 1,070 10,886 45,345-1,831 8,268 7,535 15, ,614 27,400-1,347 1,505 18,257 19,762 1,134 20,896 27, ,354 20,579 22, ,383 27,017 7, ,000 3,309 6, ,642 21, ,000 7,835 9,835 (146) 9,689 13, ,037 9,619 11,656 (480) 11,176 12, ,186 1,222 3, ,831 8, , , ,133 5, , , ,149 3, ,764 3,415 (1,408) 2,007 3, * ,542 8,556 36,278 80, , ,541 2, , ,856 16, , ,402 71, ,189 86, ,779 6,411,470 1/ New classifications in accordance with the Ministerial Regulation No. 7 B.E (1996) under the Public Limited Company Act B.E (1992) and with Notifications of the Bank of Thailand relating to the financial statements of commercial banks. 2/ For banks incorporated abroad, figures are for capital maintained as assets as per section 6 of the Commercial Banking Act. 3/ Comprises reserves for tax payment and other general reserve funds, excluding legal reserves. 4/ For banks incorporated abroad, figures include capital maintained as assets as per section 6, net inter-office balances and others. * Negligible 7

9 PERCENTAGE DISTRIBUTION OF ASSETS OF INDIVIDUAL BANKS AS AT DECEMBER 31, 2001 INTERBANK SECURITIES INVESTMENT CASH AND MONEY PURCHASED IN MARKET UNDER RESALE SECURITIES ITEMS AGREEMENTS Banks Incorporated in Thailand 1. Bangkok Bank Krung Thai Bank Thai Farmers Bank The Siam Commercial Bank Bank of Ayudhya The Thai Military Bank Siam City Bank BankThai Bangkok Metropolitan Bank Bank of Asia The DBS Thai Danu Bank Standard Chartered Nakornthon Bank UOB Radanasin Bank Sub-Total Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation * Citibank The Dai-Ichi Kangyo Bank * The Bank of Tokyo-Mitsubishi The Hongkong and Shanghai Banking Corporation Deutsche Bank * Standard Chartered Bank * ABN-AMRO Bank * Bank of America * JP Morgan Chase Bank * Credit Agricole Indosuez * BNP Paribas * The Bank of China The Bank of Nova Scotia The International Commercial Bank of China RHB Bank Berhad Oversea-Chinese Banking Corporation Bharat Overseas Bank Sub-Total Total Source : Forms C.B. 1.1, C.B.1.2, Bank of Thailand 8

10 ACCRUED CUSTOMERS LAND, ADVANCES INTEREST PROPERTIES LIABILITIES PREMISES OTHER TOTAL RECEIVABLE FORECLOSED UNDER & ASSETS ASSETS ACCEPTANCES EQUIPMENT * * * * * * * * * Negligible 9

11 PERCENTAGE DISTRIBUTION OF LIABILITIES & EQUITY OF INDIVIDUAL BANKS AS AT DECEMBER 31, 2001 INTERBANK SECURITIES DEPOSITS AND MONEY DEMAND SOLD UNDER BORROWINGS MARKET LIABILITIES REPURCHASE ITEMS AGREEMENTS Banks Incorporated in Thailand 1. Bangkok Bank Krung Thai Bank * 3. Thai Farmers Bank The Siam Commercial Bank Bank of Ayudhya The Thai Military Bank Siam City Bank Bangkok Metropolitan Bank BankThai Bank of Asia The DBS Thai Danu Bank Standard Chartered Nakornthon Bank UOB Radanasin Bank Sub-Total * 4.3 Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation Citibank The Dai-Ichi Kangyo Bank * The Bank of Tokyo-Mitsubishi The Hongkong and Shanghai Banking Corporation Deutsche Bank Standard Chartered Bank ABN-AMRO Bank Bank of America JP Morgan Chase Bank Credit Agricole Indosuez BNP Paribas * The Bank of China * The Bank of Nova Scotia The International Commercial Bank of China RHB Bank Berhad * Oversea-Chinese Banking Corporation Bharat Overseas Bank Sub-Total Total Source : Forms C.B. 1.1, C.B.1.2, Bank of Thailand 10

12 BANK'S ISSUED & RESERVES & LIABILITIES OTHER PAID-UP UNDIVIDED CAPITAL OTHER TOTAL TOTAL UNDER LIABILITIES CAPITAL PROFIT FUND RESERVES EQUITY LIABILITIES ACCEPTANCES (1) (2) (1)+(2) (3) (1)+(2)+(3) & EQUITY (5.8) (0.5) (1.0) (7.6) * (10.6) (7.1) * 5.1 * (0.9) 4.6 (0.3) (16.7) 7.3 (1.9) (14.1) * (4.8) 5.2 (0.7) * (9.0) 6.2 (1.2) (2.6) (8.5) (1.3) (1.1) (3.9) (43.9) * * Negligible 11

13 COMPARISON OF TOTAL ASSETS AS AT DECEMBER 31 (Million Baht) GROWTH RATE (%) SHARE SHARE SHARE 2001 over 2000 over (%) (%) (%) Banks Incorporated in Thailand 1. Bangkok Bank 1,249, ,236, ,182, Krung Thai Bank 976, , , (1.4) (0.5) 3. Thai Farmers Bank 774, , , The Siam Commercial Bank 716, , , Bank of Ayudhya 438, , , (2.5) 6. The Thai Military Bank 367, , , Siam City Bank 298, , , (4.6) 8. BankThai 271, , , (1.2) 9. Bangkok Metropolitan Bank 191, , , Bank of Asia 159, , , (0.7) 11.The DBS Thai Danu Bank 99, , , ) 12.Standard Chartered Nakornthon Bank 69, , , (3.3) UOB Radanasin Bank 54, , , ) Sub-Total 5,666, ,493, ,424, Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation 117, Citibank 107, , , The Dai-Ichi Kangyo Bank 104, , , The Bank of Tokyo-Mitsubishi 97, , , (2.5) (7.2) 5. The Hongkong and Shanghai Banking Corporation 61, , , Deutsche Bank 60, , , Standard Chartered Bank 45, , , (0.6) (4.6) 8. ABN-AMRO Bank 27, , , (17.9) (2.1) 9. Bank of America 27, , , ) 10.JP Morgan Chase Bank 27, , , (12.5) (4.5) 11.Credit Agricole Indosuez 21, , , ) 12.BNP Paribas 13, , , ) 13.Bank of China 12, , , (6.1) (9.3) 14.The Bank of Nova Scotia 8, , , (0.0) The International Commercial Bank of China 5, , , (17.1) RHB Bank 3, , , Oversea-Chinese Banking Corporation 3, , , (35.4) 17.5) 18.Bharat Overseas Bank 2, , , The Sakura Bank , , The Sumitomo Bank , , The Industrial Bank of Japan , , Dresdner Bank - - 7, , Sub-Total 744, , , (2.7) (0.1) Total 6,411,470-6,258,747-6,190, Source : Forms C.B.1.1, C.B.1.2, Bank of Thailand 12

14 TOTAL ASSETS OF COMMERCIAL BANKS (BILLION BAHT) Source : Form C.B. 1.1, Bank of Thailand TOTAL ASSETS* COMPARED WITH GDP (BILLION BAHT) 1/ 2/ GDP Total Assets Sources : Economic Data and Accounting Syem office, NESDB Bank of Thailand 1/ The NESDB has improved the compilation of National Accounts data and rebased * including interbank transactions base year from 1972 to The new services were revised back to p = preliminary based on annual figure p1 = without annual figure 2/ In March 2002 the NESDB has revised the annual GDP back to

15 COMPARISON OF EARNING ASSETS 1/ AS AT DECEMBER 31 (Million Baht) GROWTH RATE (%) SHARE SHARE SHARE 2001 over 2000 over (%) (%) (%) Banks Incorporated in Thailand 1. Bangkok Bank 913, , , The Siam Commercial Bank 557, , , (4.6) Thai Farmers Bank 550, , , (3.2) 4. Krung Thai Bank 433, , , (45.9) 5. Bank of Ayudhya 366, , , (3.1) 6. The Thai Military Bank 316, , , BankThai 159, , , (5.5) 8. Bank of Asia 126, , , (0.9) (5.2) 9. Siam City Bank 110, , , (46.5) (6.6) 10.The DBS Thai Danu Bank 81, , , (21.2) 11.Bangkok Metropolitan Bank 60, , , (54.0) Standard Chartered Nakornthon Bank 55, , , (4.4) UOB Radanasin Bank 22, , , Sub-Total 3,756, ,832, ,213, (2.0) (9.1) Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation 104, The Dai-Ichi Kangyo Bank 91, , , The Bank of Tokyo-Mitsubishi 88, , , (1.9) (5.6) 4. Citibank 86, , , The Hongkong and Shanghai Banking Corporation 41, , , Standard Chartered Bank 28, , , (12.1) ABN-AMRO Bank 24, , , (22.1) 8. JP Morgan Chase Bank 24, , , (9.0) (14.4) 9. Deutsche Bank 24, , , Bank of America 12, , , (25.5) 11.BNP Paribas 11, , , (10.7) 12.Credit Agricole Indosuez 10, , , (5.6) (30.2) 13.Bank of China 5, , , (3.9) The Bank of Nova Scotia 5, , , (19.4) The International Commercial Bank of China 4, , , (14.3) (3.7) 16.Oversea-Chinese Banking Corporation 2, , , (37.3) (15.9) 17.Bharat Overseas Bank 2, , , RHB Bank Berhad 2, , , (5.7) 19.The Sakura Bank , , (6.3) 20.The Sumitomo Bank , , The Industrial Bank of Japan , , Dresdner Bank - - 6, , (36.5) Sub-Total 571, , , (2.3) (2.3) Total 4,328,163-4,417,944-4,812,847 - (2.0) (8.2) Source : Forms C.B.1.1, C.B.1.2, Bank of Thailand 1/ Comprising advances (net of allowance for doubtful accounts) and investment in securities. 14

16 EARNING ASSETS OF COMMERCIAL BANKS (BILLION BAHT) Banks Incorporated in Thailand Source : Form C.B. 1.1, Bank of Thailand EARNING ASSETS OF COMMERCIAL BANKS (BILLION BAHT) Banks Incorporated Abroad Source : Form C.B. 1.2, Bank of Thailand 15

17 COMPARISON OF DEPOSITS AS AT DECEMBER 31 (Million Baht) GROWTH RATE (%) SHARE SHARE SHARE 2001 over 2000 over (%) (%) (%) Banks Incorporated in Thailand 1. Bangkok Bank 1,071, ,033, , Krung Thai Bank 866, , , Thai Farmers Bank 664, , , The Siam Commercial Bank 600, , , Bank of Ayudhya 372, , , The Thai Military Bank 300, , , Siam City Bank 262, , , Bangkok Metropolitan Bank 173, , , BankThai 168, , , (2.1) Bank of Asia 139, , , The DBS Thai Danu Bank 77, , , (21.2) 12.Standard Chartered Nakornthon Bank 57, , , (1.4) UOB Radanasin Bank 42, , , (13.3) 15.3 Sub-Total 4,798, ,629, ,392, Banks Incorporated Abroad 1. Citibank 54, , , (0.2) 2. The Bank of Tokyo-Mitsubishi 48, , , Sumitomo Mitsui Banking Corporation 48, The Dai-Ichi Kangyo Bank 29, , , The Hongkong and Shanghai Banking Corporation 19, , , Deutsche Bank 19, , , Standard Chartered Bank 15, , , (8.6) (11.8) 8. ABN-AMRO Bank 4, , , (11.3) Bank of America 4, , , (14.9) 10.Credit Agricole Indosuez 4, , , (0.8) (36.7) 11.The International Commercial Bank of China 3, , , JP Morgan Chase Bank 2, , , (40.0) Bharat Overseas Bank 1, , , (0.5) 14.Bank of China 1, , , (0.4) The Bank of Nova Scotia 1, , , (7.3) 16.BNP Paribas 1, , , (11.9) (16.8) 17.Oversea-Chinese Banking Corporation , (0.8) (7.4) 18.RHB Bank Berhad The Sakura Bank , , The Sumitomo Bank , , The Industrial Bank of Japan - - 5, , Dresdner Bank , (86.0) Sub-Total 260, , , Total 5,059,129-4,863,984-4,607, Source : Forms C.B.1.1, C.B.1.2, Bank of Thailand 16

18 DEPOSITS OF COMMERCIAL BANKS (BILLION BAHT) Source : Forms C.B. 1.1, C.B. 1.2, Bank of Thailand DOMESTIC DEPOSITS 1/ OF COMMERCIAL BANKS (BILLION BAHT) Source : Bank of Thailand 1/ Including interbank deposits Other Provinces Bangkok Metropolis 17

19 DEPOSITS OF COMMERCIAL BANKS CLASSIFIED BY DEPOSITOR AS AT DECEMBER 31, 2001 (Million Baht) DEPOSITORS DEMAND % SAVINGS % TIME % TOTAL % 1. Government 12, , , , State Enterprises 2, , , , Municipalities , , , Domestic Financial Institutions 10, , , , Commercial Banks 2, , , Government Savings Bank , , , Bank for Agriculture and Agricultural Co-operatives The Government Housing Bank Export-Import Bank of Thailand (EXIM) Finance Companies 1, , , , Finance & Securities Companies 1, , , Securities Companies 1, , , , Mutual Fund Companies , , , Industrial Finance Corporation of Thailand , Life Insurance Companies , , , Credit Foncier Companies Other Finance Institutions , , , Business Sector 67, , , , Private Individuals 33, , ,606, ,571, Non-Profit Seeking Institutions 1, , , , Overseas Financial Institutions 4, , , Non-Residents 3, , , , Total 136, ,625, ,316, ,078, Source : Tables 31 accompanying Form C.B. 3, (include IBF operation Out in / Out out, but exclude Stand - Alone IBFs.) Bank of Thailand DEPOSITS OF COMMERCIAL BANKS CLASSIFIED BY SIZE AS AT DECEMBER 31 SIZES OF DEPOSITS DEMAND DEPOSITS TIME DEPOSITS 2001 CURRENT OTHERS LESS THAN 1 YEAR TO LESS THAN 2 YEARS ACCOUNTS 1 YEAR 2 YEARS AND OVER Less than Baht 100,000 No. of A/C 1,413, ,045 4,103,317 2,352, ,017 Million Baht 9, ,877 21,511 11,566 Baht 100,000 - Less than Baht 500,000 No. of A/C 67,331 5,297 1,076, , ,021 Million Baht 15,154 1, ,597 49,323 27,512 Baht 500,000 - Less than Baht 1,000,000 No. of A/C 14, ,905 52,945 32,089 Million Baht 10, ,137 39,643 28,564 Baht 1,000,000 - Less than Baht 10,000,000 No. of A/C 16, ,867 67,102 70,125 Million Baht 43,021 1, , , ,652 Baht 10,000,000 and Over No. of A/C 1, ,335 6,185 6,694 Million Baht 51,357 3, , , ,118 Total No. of A/C 1,513, ,876 5,852,539 2,693, ,946 Total Million Baht 129,378 7,033 2,213, , ,412 Source : Form C.B. 8, (include IBF operation Out-in/out-Out, but exclude Stand-Alone IBFs) Bank of Thailand 18

20 ADVANCES OF COMMERCIAL BANKS CLASSIFIED BY BORROWER AS AT DECEMBER 31, 2001 (Million Baht) BORROWERS OVERDRAFTS % LOANS % BILLS % OTHERS % TOTAL % 1. Government , , , State Enterprises , , , Municipalities Domestic Financial Institutions 2, , , , , Commercial Banks , , Government Savings Bank Bank for Agriculture and Agricultural Co-operatives The Government Housing Bank Export-Import Bank of Thailand (EXIM) Finance Companies , , Finance & Securities Companies , , , Securities Companies Mutual Fund Companies Industrial Finance Corporation of Thailand , , Life Insurance Companies Credit Foncier Companies Other Finance Companies 1, , , , Business Sector 230, ,701, , , ,477, Private Individuals 321, , , , ,081, Non-Profit Seeking Institutions , , Overseas Financial Institutions , , Non-Residents , , Total 554, ,682, , , ,290, Source : Tables 31 accompanying Form C.B. 3, (include IBF operation Out-in/Out-Out, but exclude Stand Alone IBFs.) Bank of Thailand SAVINGS DEMAND DEPOSITS TIME DEPOSITS SAVINGS DEPOSITS TOTAL CURRENT OTHERS LESS THAN 1 YEAR TO LESS THAN 2 YEARS DEPOSITS TOTAL ACCOUNTS 1 YEAR 2 YEARS AND OVER ,558,514 43,363,780 1,373, ,589 4,483,749 2,417, ,759 31,938,645 41,274, , ,624 9, ,417 22,032 13, , ,650 1,323,568 2,819,128 60,583 4,788 1,165, , ,893 1,119,221 2,680, , ,617 13, ,645 47,337 24, , , , ,533 12, ,689 47,144 22, , , , ,128 9, ,774 35,374 19, , , , ,911 13, ,981 56,653 44, , , ,036 1,741,219 36,425 1,124 1,030, , , ,733 1,684,430 12,977 53,812 1, ,257 5,372 4,954 11,119 53, ,103 2,005,130 45,218 1, , , , ,332 1,934,493 36,235,624 47,479,164 1,462, ,590 6,373,858 2,733,054 1,038,338 33,345,518 45,177,636 1,625,335 5,078, ,480 4,662 2,487, , ,510 1,354,644 4,883,558 19

21 COMPARISON OF ADVANCES 1/ (TOTAL CREDITS) AS AT DECEMBER 31 (Million Baht) GROWTH RATE (%) SHARE SHARE SHARE 2001 over 2000 over (%) (%) (%) Banks Incorporated in Thailand 1. Bangkok Bank 649, , , (10.8) (3.5) 2. Thai Farmers Bank 437, , , (4.0) (2.4) 3. The Siam Commercial Bank 432, , , (6.5) (1.3) 4. Krung Thai Bank 390, , , (47.1) 5. Bank of Ayudhya 331, , , (3.1) 6. The Thai Military Bank 264, , , (0.9) 7. BankThai 120, , , (11.5) (5.0) 8. Bank of Asia 105, , , (4.3) The DBS Thai Danu Bank 72, , , (20.9) 10. Siam City Bank 59, , , (65.2) (8.0) 11. Standard Chartered Nakornthon Bank 52, , , Bangkok Metropolitan Bank 51, , , (56.7) (1.6) 13. UOB Radanasin Bank 20, , , Sub-Total 2,987, ,256, ,676, (8.3) (11.4) Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation 86, The Dai-Ichi Kangyo Bank 80, , , The Bank of Tokyo-Mitsubishi 74, , , (7.2) (3.4) 4. Citibank 69, , , The Hongkong and Shanghai Banking Corporation 25, , , (13.9) Standard Chartered Bank 18, , , (17.7) (13.8) 7. JP Morgan Chase Bank 16, , , (17.5) (26.4) 8. ABN-AMRO Bank 12, , , (36.8) 9. Deutsche Bank 10, , , (19.7) (6.4) 10. BNP Paribas 9, , , (18.3) 11. Bank of America 8, , , (3.3) (28.7) 12. Credit Agricole Indosuez 6, , , (39.1) (20.1) 13. The International Commercial Bank of China 3, , , (19.4) (2.9) 14. Bank of China 2, , , (8.1) Oversea-Chinese Banking Corporation 2, , , (44.8) (18.0) 16. The Bank of Nova Scotia 2, , , (38.7) Bharat Overseas Bank 1, , , RHB Bank Berhad (19.3) (24.9) 19. The Sakura Bank , , (12.6) 20. The Sumitomo Bank , , (3.6) 21. The Industrial Bank of Japan , , Dresdner Bank - - 4, , (50.8) Sub-Total 433, , , (7.3) (6.8) Total 3,421,280-3,724,003-4,177,580 - (8.1) (10.9) Source : Forms C.B.1.1, C.B.1.2, Bank of Thailand 1/ Net of allowance for doubtful accounts 20

22 ADVANCES OF COMMERCIAL BANKS (BILLION BAHT) Source : Forms C.B. 1.1, C.B. 1.2, Bank of Thailand 21

23 LOANS AND NON-PERFORMING LOANS OF COMMERCIAL BANKS AS AT DECEMBER 31 (Million Baht) Banks Incorporated in Thailand NPL LOANS 1/ NPL/LOANS 2/ (%) DEC' 01 DEC' 00 DEC' 01 DEC' 00 DEC' 01 DEC' 00 Private Banks 1. Bangkok Bank 106, , , , The Siam Commercial Bank 84,928 94, , , Thai Farmers Bank 62,723 67, , , Bank of Ayudhya 56,920 73, , , The Thai Military Bank 33,530 62, , , Bank of Asia 20,167 25, , , The DBS Thai Danu Bank 4,468 5,293 76,116 68, Standard Chartered Nakornthon Bank 1, ,199 57, UOB Radanasin Bank ,882 44, Total Private Bank 370, ,040 2,568,014 2,675, State-Owned Banks 1. Krung Thai Bank 64,654 66, , , BankThai 4,426 6, , , Bangkok Metropolitan Bank 2, , , , Siam City Bank , , , Total State-Owned Bank 71, ,953 1,277,749 1,424, Total 441, ,993 3,845,763 4,099, Source : Bank of Thailand 1/ Prior to loan loss provisions 2/ As reported in the Form C.B. 1.1 BILLS, LOANS AND OVERDRAFTS OF COMMERCIAL BANKS CLASSIFIED BY PURPOSE 1/ AS AT DECEMBER 31 (Million Baht) / GROWTH RATE (%) SHARE SHARE SHARE 2001 over 2000 over (%) (%) (%) Agriculture 105, , , (12.7) (10.6) 2. Mining 15, , , (28.1) (25.3) 3. Manufacturing 1,152, ,321, ,543, (12.7) (14.4) 4. Construction 139, , , (14.3) (26.9) 5. Real Estate Business 243, , , (28.4) (34.0) 6. Imports 106, , , (25.0) (27.5) 7. Exports 101, , , (20.2) (18.2) 8. Wholesale & Retail Trade 580, , , (11.6) (16.6) 9. Public Utilities 224, , , Banking & Other Financial Business 858, , , Services 285, , , (8.8) (18.7) 12.Personal Consumption 494, , , (3.3) (9.8) Total 4,309, ,606, ,132, (6.4) (10.3) Source : Bank of Thailand 1/ Including interbank and out-in BIBF transactions 2/ Commencing February 1999 the figure of BankThai also includes those of Krungthai Thanakit Finance Public Company Limited (KTT) and 12 suspended finance companies 22

24 COMMERCIAL BANKS' BILLS, LOANS AND OVERDRAFTS CLASSIFIED BY PURPOSE 1/ Source : Bank of Thailand 1/ Including interbank and Out-in BIBF transactions

25 ADVANCES 1/ AS PERCENTAGE OF DEPOSITS AS AT DECEMBER ADVANCES AS ADVANCES AS DEPOSITS ADVANCES PERCENTAGE DEPOSITS ADVANCES PERCENTAGE OF DEPOSITS OF DEPOSITS Banks Incorporated in Thailand 1. Bangkok Bank 1,071, , ,033, , Thai Farmers Bank 664, , , , The Siam Commercial Bank 600, , , , Krung Thai Bank 866, , , , Bank of Ayudhya 372, , , , The Thai Military Bank 300, , , , BankThai 168, , , , Bank of Asia 139, , , , The DBS Thai Danu Bank 77,173 72, ,385 63, Siam City Bank 262,153 59, , , Standard Chartered Nakornthon Bank 57,650 52, ,484 51, Bangkok Metropolitan Bank 173,389 51, , , UOB Radanasin Bank 42,045 20, ,472 8, Sub-Total 4,798,630 2,987, ,629,858 3,256, Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation 48,168 86, The Dai-Ichi Kangyo Bank 29,263 80, ,018 44, The Bank of Tokyo-Mitsubishi 48,294 74, ,230 80, Citibank 54,476 69, ,059 63, The Hongkong and Shanghai Banking Corporation 19,793 25, ,119 29, Standard Chartered Bank 15,025 18, ,444 23, JP Morgan Chase Bank 2,505 16, ,176 20, ABN-AMRO Bank 4,612 12, ,199 11, Deutsche Bank 19,431 10, ,792 13, BNP Paribas 1,078 9, ,224 8, Bank of America 4,096 8, ,809 8, Credit Agricole Indosuez 4,030 6, ,064 11, The International Commercial Bank of China 3,446 3, ,413 4, Bank of China 1,177 2, ,182 3, Oversea-Chinese Banking Corporation 978 2, , The Bank of Nova Scotia 1,164 2, ,095 3, Bharat Overseas Bank 1,994 1, ,706 1, RHB Bank Berhad The Sakura Bank ,869 46, The Sumitomo Bank ,134 45, The Industrial Bank of Japan ,445 38, Dresdner Bank ,115 1,700.4 Sub-Total 260, , , , Total 5,059,129 3,421, ,863,984 3,724, Source: Forms C.B. 1.1, C.B. 1.2, Bank of Thailand 24

26 (Million Baht) 1999 ADVANCES AS DEPOSITS ADVANCES PERCENTAGE OF DEPOSITS ADVANCES AND DEPOSITS OF COMMERCIAL BANKS (BILLION BAHT) 957, , , , , , , , , , , , , , , , ,269 80, , , ,130 46, , , ,051 3, ,392,106 3,676, ,640 43, ,157 83, ,166 61, ,985 25, ,651 26, ,720 28, ,154 18, ,505 14, ,471 10, ,475 11, ,421 13, ,388 4, ,111 2, ,065 4, ,181 2, ,715 1, ,820 52, ,982 47, ,659 37, ,725 8, , , ,607,871 4,177, / Net of allowance for doubtful accounts Source : Forms C.B. 1.1, C.B. 1.2, Bank of Thailand 25

27 COMPARISON OF BORROWINGS AS AT DECEMBER 31 (Million Baht) GROWTH RATE (%) SHARE SHARE SHARE 2001 over 2000 over (%) (%) (%) Banks Incorporated in Thailand 1. Bangkok Bank 78, , , (17.5) Thai Farmers Bank 48, , , (13.0) Bank of Ayudhya 38, , , (8.7) (12.3) 4. The Thai Military Bank 27, , , (15.8) The Siam Commercial Bank 25, , , (0.3) The DBS Thai Danu Bank 8, , , (14.8) BankThai 5, , , (18.1) (29.3) 8. Bank of Asia 4, , , Siam City Bank 4, , , (47.9) (9.5) 10.Krung Thai Bank 1 * , (99.7) (85.4) 11.Bangkok Metropolitan Bank * Standard Chartered Nakornthon Bank UOB Radanasin Bank * Sub-Total 242, , , (13.8) 2.0 Banks Incorporated Abroad 1. Standard Chartered Bank 1, , Sumitomo Mitsui Banking Corporation Citibank - - 1, , (7.0) 4. The Dai-Ichi Kangyo Bank The Bank of Tokyo-Mitsubishi The Hongkong and Shanghai Banking Corporation Deutsche Bank ABN-AMRO Bank Bank of America JP Morgan Chase Bank Credit Agricole Indosuez BNP Paribas Bank of China The Bank of Nova Scotia The International Commercial Bank of China RHB Bank Berhad Oversea-Chinese Banking Corporation Bharat Overseas Bank The Sumitomo Bank The Sakura Bank The Industrial Bank of Japan Dresdner Bank Sub-Total 1, , , (53.6) 73.6 Total 243, , ,896 - (14.1) 2.3 Source : Forms C.B.1.1, C.B.1.2, Bank of Thailand * Negligible 26

28 BORROWINGS OF COMMERCIAL BANKS (BILLION BAHT) Source : Forms C.B. 1.1, C.B. 1.2, Bank of Thailand 27

29 COMPARISON OF NET WORTH* AS AT DECEMBER 31 (Million Baht) GROWTH RATE (%) SHARE SHARE SHARE 2001 over 2000 over (%) (%) (%) Banks Incorporated in Thailand 1. Krung Thai Bank 63, , , (3.6) (35.6) 2. The Siam Commercial Bank 61, , , (5.8) 3. Bangkok Bank 43, , , (24.4) 4. Thai Farmers Bank 27, , , (2.6) 5. Siam City Bank 17, (1,714) (0.7) 4, ,129.3 (137.4) 6. Bank of Ayudhya 15, , , (1.3) (36.4) 7. The Thai Military Bank 13, , , (1.8) BankThai 11, , , (37.7) 9. Bangkok Metropolitan Bank 9, (9,294) (4.0) (5,917) (1.9) (57.1) 10.Bank of Asia 8, , , (26.3) (4.7) 11.The DBS Thai Danu Bank 4, , , (0.8) 12.Standard Chartered Nakornthon Bank 3, , , (17.8) (36.5) 13.UOB Radanasin Bank 2, , , (19.1) (79.0) Total 282, , , (27.3) Source : Forms C.B.1.1, C.B.1.2, Bank of Thailand * Shareholders equity NET WORTH OF THAI COMMERCIAL BANKS (BILLION BAHT) Source : Form C.B. 1.1, Bank of Thailand 28

30 TOTAL INCOME AND EXPENSES OF THAI BANKS FOR YEARS ENDED DECEMBER 31, 2001 AMOUNT (Million Baht) GROWTH (%) INTEREST AND DIVIDEND INCOME Loans and Deposits Interbank and money market items Government Securities & Securities Guaranteed by the Government Other Securities 2. INTEREST EXPENSES Deposits Interbank and money market items Short-term Borrowings Long-term Borrowings Bonds 3. NET INTEREST INCOME (1-2) 4. NON-INTEREST INCOME Fees and Service Charges Gains on Exchange Other Income TOTAL INCOME (3+4) 5. PROVISION FOR POSSIBLE LOAN LOSSES 6. NON-INTEREST EXPENSES Personnel Expenses Premises and equipment Taxes and Duties Fees and Service Charges Directors remuneration Contribution to FIDF Loss on sales of investment Loss on sales of securities Other Expenses Source : Stock Exchange of Thailand 246, , , ,719 (3.5) (9.2) (47.4) 185, , , , (14.0) (52.5) 30,490 39,399 34,487 59,728 (22.6) 14.2 (42.3) ,535 24,295 16,542 (100.0) ,798 6,512 7,366 5, (11.6) , , , ,225 (15.3) (27.6) (50.0) 118, , , ,689 (16.4) (31.5) (52.0) 6,252 9,943 15,294 52,223 (37.1) (35.0) (70.7) 3, , (75.3) 23,204 27,255 25,337 12,084 (14.9) (80.9) , ,568 75,994 33,380 38, (13.3) 50,860 50,461 57,493 58, (12.2) (2.1) 34,026 29,643 27,424 27, ,731 2,675 6,595 23, (59.4) (71.7) 12,103 18,143 23,475 8,018 (33.3) (22.7) , ,455 90,874 97, (6.5) 13,189 73, , ,726 (82.0) (76.3) , , , ,893 (0.4) (11.8) (11.9) 38,427 36,782 38,509 37, (4.5) ,252 19,446 19,768 20, (1.6) (3.3) 8,655 9,240 9,782 18,126 (6.3) (5.5) (46.0) 5,848 5,320 5,723 4, (7.0) (0.8) 17,688 16,369 16,376 16, * 1.3 4,321 3,289 5,215 9, (36.9) (42.9) 528 2,339 12,392 35,032 (77.4) (81.1) (64.6) 23,719 28,133 29,381 14,764 (15.7) (4.2) 99.0 * Negligible TOTAL INCOME NET INTEREST INCOME NON-INTEREST INCOME Fees and Service Charges Gains on Exchange Other Income NON-INTEREST EXPENSES Personnel Expenses Premises and equipment Taxes and Duties Fees and Service Charges Directors remuneration Contribution to FIDF Loss on sales of investment Loss on sales of securities Other Expenses Source: Stock Exchange of Thailand STRUCTURE OF INCOME AND EXPENSES OF THAI BANKS FOR YEARS ENDED DECEMBER 31, 2001 %