COMMERCIAL BANKS IN THAILAND 2002

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) 230-2573 - 4 Fax : (662)231-5486 http://www.bangkokbank.com E-mail : research.dpt@bbl.co.th 1

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 2001 3 4-5 6-7 8-9 10-11 12-13 14-15 16-17 18 18-19 19 20-21 22 22-23 24-25 26-27 28 29 29 30 31 31 32 33 34 34 35 36 37 2

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 1944 0-2231-4333 18,705 2. Thai Farmers Bank Public Company Limited 1 Ratburana Road 1945 0-2470-1122, 0-2470-1199 10,472 3. The Siam Commercial Bank Public Company Limited 9 Ratchadaphisek Road 1906 0-2544-5678 10,412 4. Bank of Ayudhya Public Company Limited 1222 Rama III Road 1945 0-2296-2000 9,092 5. The Thai Military Bank Public Company Limited 3000 Phahonyothin Road 1957 0-2617-9111, 0-2299-1111 6,925 6. Bank of Asia Public Company Limited 191 South Sathon Road 1939 0-2287-2211 2,636 7. The DBS Thai Danu Bank Public Company Limited 393 Silom Road 1949 0-2233-9160-9 1,773 8. Standard Chartered Nakornthon Bank Public Company Limited 90 North Sathon Road 1933 0-2724-4000 1,562 9. UOB Radanasin Bank Public Company Limited 690 Sukhumvit Road 1998 0-2260-0090 1,139 Total Private Bank 62,716 State-Owned Banks 1. Krung Thai Bank Public Company Limited 35 Sukhumvit (Nana Nua) Road 1966 0-2255-2222 15,233 2. Siam City Bank Public Company Limited 1101 New Phetchaburi Road 1941 0-2253-0200, 0-2208-5000 4,167 3. Bangkok Metropolitan Bank Public Company Limited 2 Chalermkhet 4 Road 1950 0-2225-9999 3,509 4. BankThai Public Company Limited 44 North Sathon Road 1998 0-2638-8000 2,476 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 1888 0-2679-5900 110 2. Bank of America N.T. & S.A. 2/2 Wireless Road 1949 0-2251-6333 93 3. The Bank of Tokyo-Mitsubishi Limited 54 Harindhorn Tower, North Sathon Road 1962 0-2266-3011-35 361 4. Bharat Overseas Bank Limited 221 Ratchawong Road 1974 0-2224-5412-4 42 5. The Bank of China 179 Bangkok City Tower, South Sathon Road 1997 0-2286-1010 41 6. BNP Paribas 990 Abdulrahim Place (29th. Fl.), Rama IV Road 1997 0-2636-1900 60 7. The Bank of Nova Scotia 898 Phloen Chit Tower (1-2rd. Fl.), Phloen Chit Road 1998 0-2263-0303 46 8. Citibank N.A. 82 Sangthong Thani Building, North Sathon Road 1985 0-2232-2000 1,124 9. Credit Agricole Indosuez 152 Wireless Road 1897 0-2651-4590-2 151 10. The Dai-Ichi Kangyo Bank Limited 48 Tisco Tower (18th. Fl.), North Sathon Road 1997 0-2638-0200-5 218* 11. Deutsche Bank AG. 208 Wireless Road 1988 0-2651-5000 168 12. Dresdner Bank AG. 2/ 990 Abdulrahim Place (32nd. Fl.), Rama IV Road 1997 0-2636-0500-13. The Hongkong and Shanghai Banking Corporation Limited 968 Rama IV Road, HSBC Building 1888 0-2614-4000 657 14. The International Commercial Bank of China 36/12 P.S. Tower, Sukhumvit 21 Road 1972 0-2259-2000-9 68 15. The Industrial Bank of Japan 3/ 161 Thai-Obayashi Building (15th. Fl.), Rajadamri Road 1997 0-2255-2991-2 - 16. JP Morgan Chase Bank 4/ 20 North Sathorn Road 2001 0-2684-2451 62 17. Oversea-Chinese Banking Corporation Limited 942/80 Charn Issara Tower (2nd. Fl.), Rama IV Road 1909 0-2236-6730-5 44 18. RHB Bank Berhad 287 Liberty Square Tower (10th. Fl.), Silom Road 1964 0-2631-2000-9 44 19. Standard Chartered Bank 100 Sathon Nakorn Tower, North Sathon Road 1894 0-2724-4000 197 20. Sumitomo Mitsui Banking Corporation 5/ 138 Boon-Mitr Building, Silom Road 1997 0-2353-8000 270 Sub-Total 3,756 TOTAL 91,857 Source : Compiled from individual banks 1/ All addresses are in Bangkok. * As At March 2002 2/ Dresdner Bank AG. suspended operations since 30 June 2001 3/ The Industrial Bank of Japan Limited suspended operations since 9 August 2001 4/ The Chase Manhattan Bank merged with Morgan Guaranty Trust Company of New York and became JP Morgan Chase Bank on 10 November 2001 5/ The Sumitomo Bank merged with the Sakura Bank and became Sumitomo Mitsui Banking Corporation on 1 April 2001 3

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 16,018 218,070 25,521 263,427 2. Krung Thai Bank 7,227 452,217 33,000 43,053 3. Thai Farmers Bank 12,142 164,596 3,700 113,465 4. The Siam Commercial Bank 11,245 73,828 28,480 124,807 5. Bank of Ayudhya 5,804 25,122 6,300 35,037 6. The Thai Military Bank 6,246 18,112-52,310 7. Siam City Bank 2,113 155,396 8,000 51,048 8. BankThai 659 13,332 10,100 39,164 9. Bangkok Metropolitan Bank 1,394 94,560 7,000 9,650 10.Bank of Asia 2,122 11,681 900 21,854 11.The DBS Thai Danu Bank 746 3,376-9,488 12.Standard Chartered Nakornthon Bank 414 6,492-3,700 13.UOB Radanasin Bank 491 29,415-1,361 Sub-Total 66,621 1,266,197 123,001 768,364 Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation 26 11,154-18,537 2. Citibank 118 16,357 500 16,497 3. The Dai-Ichi Kangyo Bank 2 10,704 1,050 10,223 4. The Bank of Tokyo-Mitsubishi 51 7,788-13,506 5. The Hongkong and Shanghai Banking Corporation 176 16,975-16,519 6. Deutsche Bank 25 22,954 4,000 13,324 7. Standard Chartered Bank 16 13,258 150 9,618 8. ABN-AMRO Bank 3 1,915-11,688 9. Bank of America 8 13,823-4,798 10.JP Morgan Chase Bank 4 2,198-7,229 11.Credit Agricole Indosuez 9 2,717-3,728 12.BNP Paribas * 502-2,613 13.The Bank of China 10 6,541-2,585 14.The Bank of Nova Scotia 31 2,602-3,095 15.The International Commercial Bank of China 18 629 160 1,165 16.RHB Bank Berhad 13 248 820 2,043 17.Oversea-Chinese Banking Corporation 8 136 25 700 18.Bharat Overseas Bank 12 140 15 651 Sub-Total 530 130,641 6,720 138,519 Total 67,151 1,396,838 129,721 906,883 Source : Forms C.B. 1.1, C.B, 1.2, Bank of Thailand 4

(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 1,249,031 390,567 4,328 14,535 2,264 16,977 12,342 976,510 437,440 2,103 11,634 612 22,173 6,520 774,385 432,914 2,250 11,405 476 19,784 10,860 716,049 331,424 4,293 14,533 946 13,435 1,666 438,560 264,029 3,920 10,672 1,269 8,220 2,674 367,452 59,662 1,227 9,951 66 4,694 6,735 298,892 120,312 7,981 10,823 241 3,743 64,983 271,338 51,003 917 5,422 316 2,068 18,827 191,157 105,100 1,184 12,195 233 2,248 1,855 159,372 72,396 719 7,741 508 3,254 791 99,019 52,297 1,827 663 3 2,402 2,122 69,920 20,933 106 275 3 1,073 1,272 54,929 2,987,826 32,611 139,380 8,329 130,201 144,084 5,666,614 86,179 507-105 190 620 117,318 69,945 327 184-615 2,581 107,124 80,916 463 - - 131 1,105 104,594 74,850 317 - - 131 406 97,049 25,321 100 153-259 2,186 61,689 10,761 55 - - 51 9,244 60,414 18,954 1,125 5-170 2,049 45,345 12,629 128 - - 115 922 27,400 8,140 44 - - 54 150 27,017 16,993 125 - - 67 401 27,017 6,786 47-7,834 44 439 21,604 9,239 57-616 31 52 13,110 2,967 51 4-249 53 12,460 2,182 4 - - 8 79 8,001 3,438 10-2 32 78 5,532 243 1 - - 2 60 3,430 2,226 5 37-55 18 3,210 1,685 4 - - 16 19 2,542 433,454 3,370 383 8,557 2,220 20,462 744,856 3,421,280 35,981 139,763 16,886 132,421 164,546 6,411,470 1/ New classifications in accordance with the Ministerial Regulation No. 7 B.E. 2539 (1996) under the Public Limited Company Act B.E. 2535 (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

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 3,498-78,541 2. Krung Thai Bank 866,955 34,220 1,437-1 3. Thai Farmers Bank 664,846 13,831 3,456-48,748 4. The Siam Commercial Bank 600,990 11,395 3,584-25,522 5. Bank of Ayudhya 372,250 5,290 1,147-38,419 6. The Thai Military Bank 300,894 16,576 841-27,565 7. Siam City Bank 262,153 6,959 244-4,818 8. BankThai 168,935 36,304 643-5,689 9. Bangkok Metropolitan Bank 173,389 2,972 378 - - 10. Bank of Asia 139,419 2,972 849-4,922 11. The DBS Thai Danu Bank 77,173 7,166 162-8,068 12. Standard Chartered Nakornthon Bank 57,650 6,288 90 700-13. UOB Radanasin Bank 42,045 8,603 66 200 - Sub-Total 4,798,630 181,895 16,395 900 242,293 Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation 48,168 6,596 260 690-2. Citibank 54,476 27,407 3,426 - - 3. The Dai-Ichi Kangyo Bank 29,263 22,733 43 - - 4. The Bank of Tokyo-Mitsubishi 48,294 6,870 54 3,400-5. The Hongkong and Shanghai Banking Corporation 19,793 18,420 49 - - 6. Deutsche Bank 19,431 16,808 870 - - 7. Standard Chartered Bank 15,025 12,302 1,925-1,000 8. ABN-AMRO Bank 4,612 4,088 255 - - 9. Bank of America 4,096 483 195 - - 10. JP Morgan Chase Bank 2,505 750 171 - - 11. Credit Agricole Indosuez 4,030 2,477 228 - - 12. BNP Paribas 1,078 1,531 4 - - 13. The Bank of China 1,177-3 15-14. The Bank of Nova Scotia 1,164 2,920 6 - - 15. The International Commercial Bank of China 3,446 734 94 - - 16. RHB Bank Berhad 969 48 1 - - 17. Oversea-Chinese Banking Corporation 978 182 3 - - 18. Bharat Overseas Bank 1,994 13 7 - - Sub-Total 260,499 124,362 7,594 4,105 1,000 Total 5,059,129 306,257 23,989 5,005 243,293 Source : Forms C.B. 1.1, C.B.1.2, Bank of Thailand 6

(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 8,177 111,850 (56,536) 55,314 8,142 63,456 976,510 611 15,822 23,531 (3,895) 19,636 7,435 27,071 774,385 476 12,141 31,311 21,527 52,838 9,103 61,941 716,049 946 5,350 18,503 (4,252) 14,251 907 15,158 438,560 1,269 6,614 40,029 (27,937) 12,092 1,601 13,693 367,452 66 7,009 10,564 (31,728) (21,164) 38,807 17,643 298,892 240 47,997 14,934 (2,577) 12,357 (827) 11,530 271,338 316 4,340 9,803 (9) 9,794 (32) 9,762 191,157 233 2,336 38,275 (26,595) 11,680 (3,039) 8,641 159,372 508 1,769 17,001 (13,993) 3,008 1,165 4,173 99,019 3 2,002 7,003 (3,334) 3,669 (482) 3,187 69,920 3 1,283 8,346 (4,949) 3,397 (668) 2,729 54,929 8,327 135,857 345,818 (147,170) 198,648 83,669 282,317 5,666,614 104 2,151 15,537 42,083 57,620 1,729 59,349 117,318-3,928 8,889 4,715 13,604 4,283 17,887 107,124-3,468 9,565 48,392 57,957 (8,870) 49,087 104,594-343 6,535 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 6,000 956 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 15,803 811 16,614 27,400-1,347 1,505 18,257 19,762 1,134 20,896 27,017-208 2,354 20,579 22,933 450 23,383 27,017 7,834 393 3,000 3,309 6,309 333 6,642 21,604 616 192 2,000 7,835 9,835 (146) 9,689 13,110-89 2,037 9,619 11,656 (480) 11,176 12,460-80 2,186 1,222 3,408 423 3,831 8,001 2 123 1,030 37 1,067 66 1,133 5,532-263 2,000 18 2,018 131 2,149 3,430-40 651 2,764 3,415 (1,408) 2,007 3,210-44 280 * 280 204 484 2,542 8,556 36,278 80,584 218,957 299,541 2,921 302,462 744,856 16,883 172,135 426,402 71,787 498,189 86,590 584,779 6,411,470 1/ New classifications in accordance with the Ministerial Regulation No. 7 B.E. 2539 (1996) under the Public Limited Company Act B.E. 2535 (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

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 1.3 17.5 2.0 21.1 2. Krung Thai Bank 0.7 46.3 3.4 4.4 3. Thai Farmers Bank 1.6 21.2 0.5 14.6 4. The Siam Commercial Bank 1.6 10.3 4.0 17.4 5. Bank of Ayudhya 1.3 5.7 1.4 8.0 6. The Thai Military Bank 1.7 4.9-14.2 7. Siam City Bank 0.7 52.0 2.7 17.1 8. BankThai 0.3 4.9 3.7 14.4 9. Bangkok Metropolitan Bank 0.7 49.5 3.7 5.0 10.Bank of Asia 1.3 7.3 0.6 13.7 11.The DBS Thai Danu Bank 0.8 3.4-9.6 12.Standard Chartered Nakornthon Bank 0.6 9.3-5.3 13.UOB Radanasin Bank 0.9 53.6-2.5 Sub-Total 1.2 22.3 2.2 13.6 Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation * 9.5-15.8 2. Citibank 0.1 15.3 0.4 15.4 3. The Dai-Ichi Kangyo Bank * 10.2 1.0 9.8 4. The Bank of Tokyo-Mitsubishi 0.1 8.0-13.9 5. The Hongkong and Shanghai Banking Corporation 0.3 27.5-26.8 6. Deutsche Bank * 38.0 6.6 22.1 7. Standard Chartered Bank * 29.3 0.3 21.2 8. ABN-AMRO Bank * 7.0-42.7 9. Bank of America * 51.2-17.8 10.JP Morgan Chase Bank * 8.1-26.8 11.Credit Agricole Indosuez * 12.6-17.3 12.BNP Paribas * 3.8-20.0 13.The Bank of China 0.1 52.5-20.8 14.The Bank of Nova Scotia 0.4 32.5-38.7 15.The International Commercial Bank of China 0.3 11.4 2.9 21.1 16.RHB Bank Berhad 0.4 7.2 23.9 59.6 17.Oversea-Chinese Banking Corporation 0.2 4.2 0.8 21.8 18.Bharat Overseas Bank 0.5 5.5 0.6 25.6 Sub-Total 0.1 17.5 0.9 18.6 Total 1.0 21.8 2.0 14.1 Source : Forms C.B. 1.1, C.B.1.2, Bank of Thailand 8

ACCRUED CUSTOMERS LAND, ADVANCES INTEREST PROPERTIES LIABILITIES PREMISES OTHER TOTAL RECEIVABLE FORECLOSED UNDER & ASSETS ASSETS ACCEPTANCES EQUIPMENT 52.0 0.1 2.4 0.1 2.4 1.1 100.0 40.0 0.5 1.5 0.2 1.7 1.3 100.0 56.5 0.3 1.5 0.1 2.9 0.8 100.0 60.4 0.3 1.6 0.1 2.8 1.5 100.0 75.6 1.0 3.3 0.2 3.1 0.4 100.0 71.9 1.1 2.9 0.4 2.2 0.7 100.0 20.0 0.4 3.3 * 1.6 2.2 100.0 44.3 2.9 4.0 0.1 1.4 24.0 100.0 26.7 0.5 2.8 0.2 1.1 9.8 100.0 66.0 0.7 7.7 0.1 1.4 1.2 100.0 73.1 0.7 7.8 0.5 3.3 0.8 100.0 74.8 2.6 1.0 * 3.4 3.0 100.0 38.1 0.2 0.5 * 1.9 2.3 100.0 52.7 0.6 2.5 0.1 2.3 2.5 100.0 73.5 0.4-0.1 0.2 0.5 100.0 65.3 0.3 0.2-0.6 2.4 100.0 77.4 0.4 - - 0.1 1.1 100.0 77.1 0.3 - - 0.2 0.4 100.0 41.0 0.2 0.3-0.4 3.5 100.0 17.8 0.1 - - 0.1 15.3 100.0 41.8 2.5 * - 0.4 4.5 100.0 46.1 0.5 - - 0.4 3.3 100.0 30.1 0.2 - - 0.2 0.5 100.0 62.9 0.5 - - 0.2 1.5 100.0 31.4 0.2-36.3 0.2 2.0 100.0 70.5 0.4-4.7 0.2 0.4 100.0 23.8 0.4 * - 2.0 0.4 100.0 27.3 * - - 0.1 1.0 100.0 62.1 0.2 - * 0.6 1.4 100.0 7.1 * - - 0.1 1.7 100.0 69.3 0.2 1.2-1.7 0.6 100.0 66.3 0.2 - - 0.6 0.7 100.0 58.2 0.5 0.1 1.1 0.3 2.7 100.0 53.4 0.5 2.2 0.3 2.1 2.6 100.0 * Negligible 9

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 85.8 2.3 0.3-6.3 2. Krung Thai Bank 88.8 3.5 0.2 - * 3. Thai Farmers Bank 85.9 1.8 0.4-6.3 4. The Siam Commercial Bank 83.9 1.6 0.5-3.5 5. Bank of Ayudhya 84.9 1.2 0.3-8.8 6. The Thai Military Bank 81.9 4.5 0.2-7.5 7. Siam City Bank 87.7 2.3 0.1-1.6 8. Bangkok Metropolitan Bank 90.7 1.5 0.2 - - 9. BankThai 62.2 13.4 0.2-2.1 10.Bank of Asia 87.5 1.9 0.5-3.1 11.The DBS Thai Danu Bank 77.9 7.2 0.2-8.2 12.Standard Chartered Nakornthon Bank 82.5 9.0 0.1 1.0-13.UOB Radanasin Bank 76.5 15.7 0.1 0.4 - Sub-Total 84.7 3.2 0.3 * 4.3 Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation 41.1 5.6 0.2 0.6-2. Citibank 50.8 25.6 3.2 - - 3. The Dai-Ichi Kangyo Bank 28.0 21.8 * - - 4. The Bank of Tokyo-Mitsubishi 49.7 7.1 0.1 3.5-5. The Hongkong and Shanghai Banking Corporation 32.1 29.9 0.1 - - 6. Deutsche Bank 32.2 27.8 1.5 - - 7. Standard Chartered Bank 33.1 27.1 4.3-2.2 8. ABN-AMRO Bank 16.8 14.9 0.9 - - 9. Bank of America 15.2 1.8 0.7 - - 10.JP Morgan Chase Bank 9.3 2.8 0.6 - - 11.Credit Agricole Indosuez 18.6 11.5 1.1 - - 12.BNP Paribas 8.2 11.7 * - - 13.The Bank of China 9.5 - * 0.1-14.The Bank of Nova Scotia 14.5 36.5 0.1 - - 15.The International Commercial Bank of China 62.3 13.3 1.7 - - 16.RHB Bank Berhad 28.3 1.4 * - - 17.Oversea-Chinese Banking Corporation 30.5 5.7 0.1 - - 18.Bharat Overseas Bank 78.5 0.5 0.3 - - Sub-Total 35.0 16.7 1.0 0.6 0.1 Total 78.9 4.8 0.4 0.1 3.8 Source : Forms C.B. 1.1, C.B.1.2, Bank of Thailand 10

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 0.1 1.7 1.2 0.6 1.8 1.7 3.5 100.0 0.2 0.8 11.5 (5.8) 5.7 0.8 6.5 100.0 0.1 2.0 3.0 (0.5) 2.5 1.0 3.5 100.0 0.1 1.7 4.4 3.0 7.4 1.3 8.7 100.0 0.2 1.2 4.2 (1.0) 3.2 0.2 3.4 100.0 0.4 1.8 10.9 (7.6) 3.3 0.4 3.7 100.0 * 2.4 3.5 (10.6) (7.1) 13.0 5.9 100.0 0.2 2.3 5.1 * 5.1 * 5.1 100.0 0.1 17.7 5.5 (0.9) 4.6 (0.3) 4.3 100.0 0.1 1.5 24.0 (16.7) 7.3 (1.9) 5.4 100.0 0.5 1.8 17.1 (14.1) 3.0 1.2 4.2 100.0 * 2.9 10.0 (4.8) 5.2 (0.7) 4.5 100.0 * 2.3 15.2 (9.0) 6.2 (1.2) 5.0 100.0 0.1 2.4 6.1 (2.6) 3.5 1.5 5.0 100.0 0.1 1.8 13.2 35.9 49.1 1.5 50.6 100.0-3.7 8.3 4.4 12.7 4.0 16.7 100.0-3.3 9.1 46.3 55.4 (8.5) 46.9 100.0-0.4 6.7 33.8 40.5 (1.3) 39.2 100.0-4.5 9.5 19.3 28.8 4.6 33.4 100.0-24.4 9.9 1.6 11.5 2.6 14.1 100.0-9.3 6.4 15.3 21.6 2.4 24.0 100.0-6.7 30.2 27.5 57.7 3.0 60.7 100.0-5.0 5.5 67.6 73.1 4.2 77.3 100.0-0.8 8.7 76.2 84.9 1.6 86.5 100.0 36.3 1.8 13.9 15.3 29.2 1.5 30.7 100.0 4.7 1.5 15.2 59.8 75.0 (1.1) 73.9 100.0-0.7 16.4 77.2 93.6 (3.9) 89.7 100.0-1.0 27.3 15.3 42.6 5.3 47.9 100.0 0.0 2.2 18.6 0.7 19.3 1.2 20.5 100.0-7.7 58.3 0.5 58.8 3.8 62.6 100.0-1.2 20.3 86.1 106.4 (43.9) 62.5 100.0-1.7 11.0 * 11.0 8.0 19.0 100.0 1.1 4.9 10.8 29.4 40.2 0.4 40.6 100.0 0.2 2.7 6.7 1.1 7.8 1.3 9.1 100.0 * Negligible 11

COMPARISON OF TOTAL ASSETS AS AT DECEMBER 31 (Million Baht) 2001 2000 1999 GROWTH RATE (%) SHARE SHARE SHARE 2001 over 2000 over (%) (%) (%) 2000 1999 Banks Incorporated in Thailand 1. Bangkok Bank 1,249,031 22.0 1,236,384 22.5 1,182,878 21.8 1.0 4.5 2. Krung Thai Bank 976,510 17.2 990,028 18.0 994,819 18.3 (1.4) (0.5) 3. Thai Farmers Bank 774,385 13.7 767,195 14.0 727,438 13.4 0.9 5.5 4. The Siam Commercial Bank 716,049 12.6 705,575 12.8 685,387 12.6 1.5 2.9 5. Bank of Ayudhya 438,560 7.7 430,606 7.8 441,594 8.1 1.8 (2.5) 6. The Thai Military Bank 367,452 6.5 337,574 6.2 335,007 6.2 8.9 0.8 7. Siam City Bank 298,892 5.3 258,227 4.7 270,787 5.0 15.7 (4.6) 8. BankThai 271,338 4.8 233,457 4.3 236,305 4.4 16.2 (1.2) 9. Bangkok Metropolitan Bank 191,157 3.4 164,870 3.0 161,418 3.0 15.9 2.1 10.Bank of Asia 159,372 2.8 155,742 2.8 156,839 2.9 2.3 (0.7) 11.The DBS Thai Danu Bank 99,019 1.8 87,481 1.6 107,709 2.0 13.2 18.8) 12.Standard Chartered Nakornthon Bank 69,920 1.2 72,295 1.3 63,481 1.2 (3.3) 13.9 13.UOB Radanasin Bank 54,929 1.0 54,115 1.0 60,512 1.1 1.5 10.6) Sub-Total 5,666,614 100.0 5,493,549 100.0 5,424,174 100.0 3.2 1.3 Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation 117,318 15.8 - - - - - - 2. Citibank 107,124 14.4 95,677 12.5 89,933 11.7 12.0 6.4 3. The Dai-Ichi Kangyo Bank 104,594 14.0 57,436 7.5 54,125 7.1 82.1 6.1 4. The Bank of Tokyo-Mitsubishi 97,049 13.0 99,558 13.0 107,316 14.0 (2.5) (7.2) 5. The Hongkong and Shanghai Banking Corporation 61,689 8.3 60,626 7.9 59,829 7.8 1.8 1.3 6. Deutsche Bank 60,414 8.1 52,097 6.8 48,382 6.3 16.0 7.7 7. Standard Chartered Bank 45,345 6.1 45,624 6.0 47,840 6.2 (0.6) (4.6) 8. ABN-AMRO Bank 27,400 3.7 33,354 4.4 34,085 4.5 (17.9) (2.1) 9. Bank of America 27,017 3.6 16,516 2.2 22,871 3.0 63.6 27.8) 10.JP Morgan Chase Bank 27,017 3.6 30,879 4.0 32,338 4.2 (12.5) (4.5) 11.Credit Agricole Indosuez 21,604 2.9 15,635 2.0 20,273 2.7 38.2 22.9) 12.BNP Paribas 13,110 1.8 12,125 1.6 13,547 1.8 8.1 10.5) 13.Bank of China 12,460 1.7 13,269 1.7 14,636 1.9 (6.1) (9.3) 14.The Bank of Nova Scotia 8,001 1.1 8,003 1.1 7,989 1.0 (0.0) 0.2 15.The International Commercial Bank of China 5,532 0.7 6,671 0.9 6,426 0.8 (17.1) 3.8 16.RHB Bank 3,430 0.5 2,214 0.3 1,893 0.2 54.9 17.0 17.Oversea-Chinese Banking Corporation 3,210 0.4 4,968 0.7 6,020 0.8 (35.4) 17.5) 18.Bharat Overseas Bank 2,542 0.3 2,308 0.3 2,249 0.3 10.1 2.6 19.The Sakura Bank - - 87,491 11.4 78,510 10.3-11.4 20.The Sumitomo Bank - - 59,994 7.8 59,557 7.8-0.7 21.The Industrial Bank of Japan - - 52,857 6.9 50,306 6.6-5.1 22.Dresdner Bank - - 7,896 1.0 7,857 1.0-0.5 Sub-Total 744,856 100.0 765,198 100.0 765,982 100.0 (2.7) (0.1) Total 6,411,470-6,258,747-6,190,156-2.4 1.1 Source : Forms C.B.1.1, C.B.1.2, Bank of Thailand 12

TOTAL ASSETS OF COMMERCIAL BANKS 1997-2001 (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 1988. The new services were revised back to 1980. p = preliminary based on annual figure p1 = without annual figure 2/ In March 2002 the NESDB has revised the annual GDP back to 1993. 13

COMPARISON OF EARNING ASSETS 1/ AS AT DECEMBER 31 (Million Baht) 2001 2000 1999 GROWTH RATE (%) SHARE SHARE SHARE 2001 over 2000 over (%) (%) (%) 2000 1999 Banks Incorporated in Thailand 1. Bangkok Bank 913,176 24.3 901,818 23.5 899,788 21.4 1.3 0.2 2. The Siam Commercial Bank 557,721 14.8 584,895 15.3 575,427 13.7 (4.6) 1.6 3. Thai Farmers Bank 550,905 14.7 539,607 14.1 557,305 13.2 2.1 (3.2) 4. Krung Thai Bank 433,620 11.5 408,061 10.7 754,745 17.9 6.3 (45.9) 5. Bank of Ayudhya 366,461 9.8 342,889 8.9 353,981 8.4 6.9 (3.1) 6. The Thai Military Bank 316,339 8.4 297,804 7.8 279,291 6.6 6.2 6.6 7. BankThai 159,476 4.2 152,282 4.0 161,089 3.8 4.7 (5.5) 8. Bank of Asia 126,954 3.4 128,066 3.3 135,031 3.2 (0.9) (5.2) 9. Siam City Bank 110,710 3.0 207,003 5.4 221,560 5.3 (46.5) (6.6) 10.The DBS Thai Danu Bank 81,884 2.2 70,260 1.8 89,176 2.1 16.5 (21.2) 11.Bangkok Metropolitan Bank 60,653 1.6 131,720 3.4 128,944 3.1 (54.0) 2.2 12.Standard Chartered Nakornthon Bank 55,997 1.5 58,546 1.5 52,337 1.2 (4.4) 11.9 13.UOB Radanasin Bank 22,294 0.6 9,581 0.3 5,241 0.1 132.7 82.8 Sub-Total 3,756,190 100.0 3,832,532 100.0 4,213,915 100.0 (2.0) (9.1) Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation 104,716 18.3 - - - - - - 2. The Dai-Ichi Kangyo Bank 91,139 15.9 50,959 8.7 47,020 7.9 78.8 8.4 3. The Bank of Tokyo-Mitsubishi 88,356 15.5 90,080 15.4 95,464 15.9 (1.9) (5.6) 4. Citibank 86,442 15.1 80,416 13.7 73,700 12.3 7.5 9.1 5. The Hongkong and Shanghai Banking Corporation 41,840 7.3 37,923 6.5 31,449 5.3 10.3 20.6 6. Standard Chartered Bank 28,572 5.0 32,495 5.5 31,645 5.3 (12.1) 2.7 7. ABN-AMRO Bank 24,317 4.3 23,821 4.1 30,571 5.1 2.1 (22.1) 8. JP Morgan Chase Bank 24,222 4.2 26,615 4.5 31,084 5.2 (9.0) (14.4) 9. Deutsche Bank 24,085 4.2 22,382 3.8 22,301 3.7 7.6 0.4 10.Bank of America 12,938 2.3 10,588 1.8 14,203 2.4 22.2 (25.5) 11.BNP Paribas 11,852 2.1 11,531 2.0 12,910 2.2 2.8 (10.7) 12.Credit Agricole Indosuez 10,514 1.8 11,138 1.9 15,962 2.7 (5.6) (30.2) 13.Bank of China 5,552 1.0 5,776 1.0 5,458 0.9 (3.9) 5.8 14.The Bank of Nova Scotia 5,277 0.9 6,548 1.1 5,030 0.8 (19.4) 30.2 15.The International Commercial Bank of China 4,603 0.8 5,369 0.9 5,577 0.9 (14.3) (3.7) 16.Oversea-Chinese Banking Corporation 2,926 0.5 4,667 0.8 5,550 0.9 (37.3) (15.9) 17.Bharat Overseas Bank 2,336 0.4 2,252 0.4 2,080 0.3 3.7 8.3 18.RHB Bank Berhad 2,286 0.4 1,348 0.2 1,430 0.2 69.6 (5.7) 19.The Sakura Bank - - 61,812 10.6 65,980 11.0 - (6.3) 20.The Sumitomo Bank - - 50,142 8.6 50,058 8.4-0.2 21.The Industrial Bank of Japan - - 42,737 7.3 40,724 6.8-4.9 22.Dresdner Bank - - 6,813 1.2 10,736 1.8 - (36.5) Sub-Total 571,973 100.0 585,412 100.0 598,932 100.0 (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

EARNING ASSETS OF COMMERCIAL BANKS 1997-2001 (BILLION BAHT) Banks Incorporated in Thailand Source : Form C.B. 1.1, Bank of Thailand EARNING ASSETS OF COMMERCIAL BANKS 1997-2001 (BILLION BAHT) Banks Incorporated Abroad Source : Form C.B. 1.2, Bank of Thailand 15

COMPARISON OF DEPOSITS AS AT DECEMBER 31 (Million Baht) 2001 2000 1999 GROWTH RATE (%) SHARE SHARE SHARE 2001 over 2000 over (%) (%) (%) 2000 1999 Banks Incorporated in Thailand 1. Bangkok Bank 1,071,931 22.3 1,033,511 22.3 957,172 21.8 3.7 8.0 2. Krung Thai Bank 866,955 18.1 844,007 18.2 802,102 18.3 2.7 5.2 3. Thai Farmers Bank 664,846 13.8 647,333 14.0 608,734 13.9 2.7 6.3 4. The Siam Commercial Bank 600,990 12.5 593,104 12.8 562,642 12.8 1.3 5.4 5. Bank of Ayudhya 372,250 7.8 358,692 7.8 356,098 8.1 3.8 0.7 6. The Thai Military Bank 300,894 6.3 268,588 5.8 259,843 5.9 12.0 3.4 7. Siam City Bank 262,153 5.5 232,895 5.0 215,832 4.9 12.6 7.9 8. Bangkok Metropolitan Bank 173,389 3.6 167,428 3.6 155,416 3.5 3.6 7.7 9. BankThai 168,935 3.5 172,569 3.7 170,075 3.9 (2.1) 1.5 10.Bank of Asia 139,419 2.9 134,390 2.9 124,742 2.8 3.7 7.7 11.The DBS Thai Danu Bank 77,173 1.6 70,385 1.5 89,269 2.0 9.6 (21.2) 12.Standard Chartered Nakornthon Bank 57,650 1.2 58,484 1.3 48,130 1.1 (1.4) 21.5 13.UOB Radanasin Bank 42,045 0.9 48,472 1.1 42,051 1.0 (13.3) 15.3 Sub-Total 4,798,630 100.0 4,629,858 100.0 4,392,106 100.0 3.6 5.4 Banks Incorporated Abroad 1. Citibank 54,476 20.9 49,059 21.0 49,166 22.8 11.0 (0.2) 2. The Bank of Tokyo-Mitsubishi 48,294 18.5 46,230 19.7 42,157 19.5 4.5 9.7 3. Sumitomo Mitsui Banking Corporation 48,168 18.5 - - - - - - 4. The Dai-Ichi Kangyo Bank 29,263 11.2 10,018 4.3 6,640 3.1 192.1 50.9 5. The Hongkong and Shanghai Banking Corporation 19,793 7.6 19,119 8.2 17,985 8.3 3.5 6.3 6. Deutsche Bank 19,431 7.5 14,792 6.3 12,505 5.8 31.4 18.3 7. Standard Chartered Bank 15,025 5.8 16,444 7.0 18,651 8.6 (8.6) (11.8) 8. ABN-AMRO Bank 4,612 1.8 5,199 2.2 2,154 1.0 (11.3) 141.4 9. Bank of America 4,096 1.6 3,809 1.6 4,475 2.1 7.5 (14.9) 10.Credit Agricole Indosuez 4,030 1.5 4,064 1.7 6,421 3.0 (0.8) (36.7) 11.The International Commercial Bank of China 3,446 1.3 3,413 1.5 3,388 1.6 1.0 0.7 12.JP Morgan Chase Bank 2,505 1.0 4,176 1.8 3,720 1.7 (40.0) 12.3 13.Bharat Overseas Bank 1,994 0.8 1,706 0.7 1,715 0.8 16.9 (0.5) 14.Bank of China 1,177 0.4 1,182 0.5 1,111 0.5 (0.4) 6.4 15.The Bank of Nova Scotia 1,164 0.4 1,095 0.5 1,181 0.5 6.3 (7.3) 16.BNP Paribas 1,078 0.4 1,224 0.5 1,471 0.7 (11.9) (16.8) 17.Oversea-Chinese Banking Corporation 978 0.4 986 0.4 1,065 0.5 (0.8) (7.4) 18.RHB Bank Berhad 969 0.4 920 0.4 774 0.4 5.3 18.9 19.The Sakura Bank - - 29,869 12.8 26,820 12.4-11.4 20.The Sumitomo Bank - - 15,134 6.5 7,982 3.7-89.6 21.The Industrial Bank of Japan - - 5,445 2.3 4,659 2.2-16.9 22.Dresdner Bank - - 242 0.1 1,725 0.8 - (86.0) Sub-Total 260,499 100.0 234,126 100.0 215,765 100.0 11.3 8.5 Total 5,059,129-4,863,984-4,607,871-4.0 5.6 Source : Forms C.B.1.1, C.B.1.2, Bank of Thailand 16

DEPOSITS OF COMMERCIAL BANKS 1997-2001 (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

DEPOSITS OF COMMERCIAL BANKS CLASSIFIED BY DEPOSITOR AS AT DECEMBER 31, 2001 (Million Baht) DEPOSITORS DEMAND % SAVINGS % TIME % TOTAL % 1. Government 12,214 8.9 87,738 5.4 140,288 4.2 240,240 4.7 2. State Enterprises 2,791 2.0 81,640 5.0 83,042 2.5 167,473 3.3 3. Municipalities 393 0.3 15,538 1.0 14,027 0.4 29,958 0.6 4. Domestic Financial Institutions 10,373 7.6 49,061 3.0 44,065 1.3 103,499 2.1 Commercial Banks 2,132 1.6 1,040 0.1 248 0.0 3,420 0.1 Government Savings Bank 911 0.7 1,031 0.1 1,960 0.1 3,902 0.1 Bank for Agriculture and Agricultural Co-operatives 177 0.1 517 0.0 0 0.0 694 0.0 The Government Housing Bank 12 0.0 23 0.0 0 0.0 35 0.0 Export-Import Bank of Thailand (EXIM) 95 0.1 76 0.0 0 0.0 171 0.0 Finance Companies 1,180 0.9 3,161 0.2 2,056 0.0 6,397 0.1 Finance & Securities Companies 1,959 1.4 11,108 0.7 807 0.0 13,874 0.3 Securities Companies 1,984 1.5 2,222 0.1 1,688 0.0 5,894 0.1 Mutual Fund Companies 145 0.1 6,588 0.4 1,703 0.1 8,436 0.2 Industrial Finance Corporation of Thailand 443 0.3 865 0.1 87 0.0 1,395 0.0 Life Insurance Companies 447 0.3 4,401 0.2 17,744 0.5 22,592 0.5 Credit Foncier Companies 47 0.0 102 0.0 97 0.0 246 0.0 Other Finance Institutions 841 0.6 17,927 1.1 17,675 0.5 36,443 0.7 5. Business Sector 67,462 49.5 409,140 25.2 280,201 8.5 756,803 14.9 6. Private Individuals 33,686 24.7 931,606 57.3 2,606,669 78.6 3,571,961 70.3 7. Non-Profit Seeking Institutions 1,524 1.1 20,139 1.2 126,401 3.8 148,064 2.9 8. Overseas Financial Institutions 4,622 3.4 1,830 0.1 42 0.0 6,494 0.1 9. Non-Residents 3,347 2.5 28,643 1.8 22,235 0.7 54,225 1.1 Total 136,412 100.0 1,625,335 100.0 3,316,970 100.0 5,078,717 100.0 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 1,413,180 262,045 4,103,317 2,352,707 674,017 Million Baht 9,347 770 71,877 21,511 11,566 Baht 100,000 - Less than Baht 500,000 No. of A/C 67,331 5,297 1,076,115 214,796 132,021 Million Baht 15,154 1,117 238,597 49,323 27,512 Baht 500,000 - Less than Baht 1,000,000 No. of A/C 14,998 792 274,905 52,945 32,089 Million Baht 10,499 556 195,137 39,643 28,564 Baht 1,000,000 - Less than Baht 10,000,000 No. of A/C 16,370 686 371,867 67,102 70,125 Million Baht 43,021 1,562 920,271 179,677 223,652 Baht 10,000,000 and Over No. of A/C 1,565 56 26,335 6,185 6,694 Million Baht 51,357 3,028 787,467 235,057 287,118 Total No. of A/C 1,513,444 268,876 5,852,539 2,693,735 914,946 Total Million Baht 129,378 7,033 2,213,349 525,211 578,412 Source : Form C.B. 8, (include IBF operation Out-in/out-Out, but exclude Stand-Alone IBFs) Bank of Thailand 18

ADVANCES OF COMMERCIAL BANKS CLASSIFIED BY BORROWER AS AT DECEMBER 31, 2001 (Million Baht) BORROWERS OVERDRAFTS % LOANS % BILLS % OTHERS % TOTAL % 1. Government 14 0.0 3,734 0.1 9,030 0.9 195 0.2 12,973 0.3 2. State Enterprises 189 0.1 11,604 0.4 19,415 2.0 0 0.0 31,208 0.7 3. Municipalities 2 0.0 0 0.0 0 0.0 0 0.0 2 0.0 4. Domestic Financial Institutions 2,369 0.4 236,048 8.8 399,562 41.2 1,108 1.3 639,087 14.9 Commercial Banks 0 0.0 9,186 0.3 715 0.1 885 1.1 10,786 0.3 Government Savings Bank 0 0.0 0 0.0 0 0.0 0 0.0 0 0.0 Bank for Agriculture and Agricultural Co-operatives 0 0.0 0 0.0 0 0.0 0 0.0 0 0.0 The Government Housing Bank 0 0.0 0 0.0 0 0.0 0 0.0 0 0.0 Export-Import Bank of Thailand (EXIM) 0 0.0 0 0.0 0 0.0 0 0.0 0 0.0 Finance Companies 15 0.0 1,186 0.1 79 0.0 0 0.0 1,280 0.0 Finance & Securities Companies 560 0.1 1,063 0.0 1,391 0.2 118 0.1 3,132 0.1 Securities Companies 38 0.0 205 0.0 429 0.0 0 0.0 672 0.0 Mutual Fund Companies 0 0.0 0 0.0 0 0.0 0 0.0 0 0.0 Industrial Finance Corporation of Thailand 0 0.0 3,852 0.2 0 0.0 0 0.0 3,852 0.1 Life Insurance Companies 16 0.0 125 0.0 0 0.0 105 0.1 246 0.0 Credit Foncier Companies 5 0.0 0 0.0 0 0.0 0 0.0 5 0.0 Other Finance Companies 1,735 0.3 220,431 8.2 396,948 40.9 0 0.0 619,114 14.4 5. Business Sector 230,207 41.5 1,701,089 63.4 494,684 50.9 51,682 63.2 2,477,662 57.8 6. Private Individuals 321,731 58.0 683,159 25.5 48,185 5.0 28,414 34.8 1,081,489 25.2 7. Non-Profit Seeking Institutions 105 0.0 5,885 0.2 35 0.0 0 0.0 6,025 0.1 8. Overseas Financial Institutions 0 0.0 31,146 1.2 376 0.0 223 0.3 31,745 0.7 9. Non-Residents 157 0.0 10,156 0.4 78 0.0 141 0.2 10,532 0.3 Total 554,774 100.0 2,682,821 100.0 971,365 100.0 81,763 100.0 4,290,723 100.0 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 2000 34,558,514 43,363,780 1,373,604 218,589 4,483,749 2,417,086 842,759 31,938,645 41,274,432 211,553 326,624 9,130 707 80,417 22,032 13,335 192,029 317,650 1,323,568 2,819,128 60,583 4,788 1,165,182 206,799 123,893 1,119,221 2,680,466 271,914 603,617 13,701 934 257,645 47,337 24,549 226,641 570,807 186,804 562,533 12,928 691 293,689 47,144 22,117 149,416 525,985 127,729 402,128 9,006 452 209,774 35,374 19,663 101,909 376,178 153,761 679,911 13,955 497 399,981 56,653 44,615 127,117 642,818 373,036 1,741,219 36,425 1,124 1,030,342 152,559 151,247 312,733 1,684,430 12,977 53,812 1,208 25 31,257 5,372 4,954 11,119 53,935 641,103 2,005,130 45,218 1,445 909,423 229,359 227,716 521,332 1,934,493 36,235,624 47,479,164 1,462,278 224,590 6,373,858 2,733,054 1,038,338 33,345,518 45,177,636 1,625,335 5,078,718 113,480 4,662 2,487,601 486,661 436,510 1,354,644 4,883,558 19

COMPARISON OF ADVANCES 1/ (TOTAL CREDITS) AS AT DECEMBER 31 (Million Baht) 2001 2000 1999 GROWTH RATE (%) SHARE SHARE SHARE 2001 over 2000 over (%) (%) (%) 2000 1999 Banks Incorporated in Thailand 1. Bangkok Bank 649,749 21.8 728,171 22.4 754,898 20.5 (10.8) (3.5) 2. Thai Farmers Bank 437,440 14.6 455,830 14.0 467,123 12.7 (4.0) (2.4) 3. The Siam Commercial Bank 432,914 14.5 462,854 14.2 468,851 12.7 (6.5) (1.3) 4. Krung Thai Bank 390,567 13.1 375,258 11.5 708,921 19.3 4.1 (47.1) 5. Bank of Ayudhya 331,424 11.1 316,935 9.7 327,192 8.9 4.6 (3.1) 6. The Thai Military Bank 264,029 8.8 258,816 7.9 261,081 7.1 2.0 (0.9) 7. BankThai 120,312 4.0 135,996 4.2 143,162 3.9 (11.5) (5.0) 8. Bank of Asia 105,100 3.5 109,846 3.4 108,187 2.9 (4.3) 1.5 9. The DBS Thai Danu Bank 72,396 2.4 63,435 1.9 80,238 2.2 14.1 (20.9) 10. Siam City Bank 59,662 2.0 171,421 5.3 186,318 5.1 (65.2) (8.0) 11. Standard Chartered Nakornthon Bank 52,297 1.8 51,913 1.6 46,831 1.3 0.7 10.9 12. Bangkok Metropolitan Bank 51,003 1.7 117,904 3.6 119,881 3.3 (56.7) (1.6) 13. UOB Radanasin Bank 20,933 0.7 8,237 0.3 3,341 0.1 154.1 146.5 Sub-Total 2,987,826 100.0 3,256,616 100.0 3,676,024 100.0 (8.3) (11.4) Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation 86,179 19.9 - - - - - - 2. The Dai-Ichi Kangyo Bank 80,916 18.7 44,992 9.6 43,611 8.7 79.8 3.2 3. The Bank of Tokyo-Mitsubishi 74,850 17.3 80,695 17.3 83,503 16.6 (7.2) (3.4) 4. Citibank 69,945 16.1 63,673 13.6 61,794 12.3 9.9 3.0 5. The Hongkong and Shanghai Banking Corporation 25,321 5.8 29,404 6.3 25,628 5.1 (13.9) 14.7 6. Standard Chartered Bank 18,954 4.4 23,044 4.9 26,728 5.3 (17.7) (13.8) 7. JP Morgan Chase Bank 16,993 3.9 20,608 4.4 28,019 5.6 (17.5) (26.4) 8. ABN-AMRO Bank 12,629 2.9 11,626 2.5 18,382 3.7 8.6 (36.8) 9. Deutsche Bank 10,761 2.5 13,408 2.9 14,322 2.9 (19.7) (6.4) 10. BNP Paribas 9,239 2.1 8,814 1.9 10,788 2.2 4.8 (18.3) 11. Bank of America 8,140 1.9 8,419 1.8 11,809 2.3 (3.3) (28.7) 12. Credit Agricole Indosuez 6,786 1.5 11,138 2.4 13,944 2.8 (39.1) (20.1) 13. The International Commercial Bank of China 3,438 0.8 4,268 0.9 4,395 0.9 (19.4) (2.9) 14. Bank of China 2,967 0.7 3,228 0.7 2,784 0.5 (8.1) 15.9 15. Oversea-Chinese Banking Corporation 2,226 0.5 4,030 0.9 4,916 1.0 (44.8) (18.0) 16. The Bank of Nova Scotia 2,182 0.5 3,558 0.8 2,810 0.6 (38.7) 26.6 17. Bharat Overseas Bank 1,685 0.4 1,596 0.3 1,423 0.3 5.6 12.2 18. RHB Bank Berhad 243 0.1 301 0.1 401 0.1 (19.3) (24.9) 19. The Sakura Bank - - 46,275 9.9 52,918 10.5 - (12.6) 20. The Sumitomo Bank - - 45,645 9.8 47,335 9.4 - (3.6) 21. The Industrial Bank of Japan - - 38,550 8.1 37,684 7.5-2.3 22. Dresdner Bank - - 4,115 0.9 8,362 1.7 - (50.8) Sub-Total 433,454 100.0 467,387 100.0 501,556 100.0 (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

ADVANCES OF COMMERCIAL BANKS 1997-2001 (BILLION BAHT) Source : Forms C.B. 1.1, C.B. 1.2, Bank of Thailand 21

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 106,108 146,567 721,332 791,340 14.71 18.52 2. The Siam Commercial Bank 84,928 94,910 459,070 488,723 18.50 19.42 3. Thai Farmers Bank 62,723 67,534 478,802 489,733 13.10 13.79 4. Bank of Ayudhya 56,920 73,546 343,305 324,278 16.58 22.68 5. The Thai Military Bank 33,530 62,704 273,046 270,043 12.28 23.22 6. Bank of Asia 20,167 25,460 110,262 140,792 18.29 18.08 7. The DBS Thai Danu Bank 4,468 5,293 76,116 68,301 5.87 7.75 8. Standard Chartered Nakornthon Bank 1,228 765 58,199 57,975 2.11 1.32 9. UOB Radanasin Bank 407 261 47,882 44,171 0.85 0.59 Total Private Bank 370,479 477,040 2,568,014 2,675,356 14.43 17.83 State-Owned Banks 1. Krung Thai Bank 64,654 66,586 789,426 793,636 8.19 8.39 2. BankThai 4,426 6,307 138,746 225,236 3.19 2.80 3. Bangkok Metropolitan Bank 2,242 103,368 141,006 180,839 1.59 57.16 4. Siam City Bank 146 131,692 208,571 224,769 0.07 58.59 Total State-Owned Bank 71,468 307,953 1,277,749 1,424,480 5.59 21.62 Total 441,947 784,993 3,845,763 4,099,836 11.49 19.15 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) 2001 2000 1999 2/ GROWTH RATE (%) SHARE SHARE SHARE 2001 over 2000 over (%) (%) (%) 2000 1999 1. Agriculture 105,259 2.4 120,610 2.6 134,970 2.6 (12.7) (10.6) 2. Mining 15,778 0.4 21,931 0.5 29,372 0.6 (28.1) (25.3) 3. Manufacturing 1,152,925 26.8 1,321,030 28.7 1,543,109 30.1 (12.7) (14.4) 4. Construction 139,728 3.2 163,106 3.5 223,216 4.4 (14.3) (26.9) 5. Real Estate Business 243,253 5.6 339,709 7.4 514,335 10.0 (28.4) (34.0) 6. Imports 106,645 2.5 142,122 3.1 196,064 3.8 (25.0) (27.5) 7. Exports 101,428 2.4 127,118 2.7 155,418 3.0 (20.2) (18.2) 8. Wholesale & Retail Trade 580,926 13.5 656,857 14.3 787,362 15.3 (11.6) (16.6) 9. Public Utilities 224,061 5.2 220,895 4.8 204,373 4.0 1.4 8.1 10.Banking & Other Financial Business 858,829 19.9 667,971 14.5 392,153 7.6 28.6 70.3 11.Services 285,739 6.6 313,377 6.8 385,266 7.5 (8.8) (18.7) 12.Personal Consumption 494,790 11.5 511,572 11.1 567,166 11.1 (3.3) (9.8) Total 4,309,361 100.0 4,606,298 100.0 5,132,804 100.0 (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

COMMERCIAL BANKS' BILLS, LOANS AND OVERDRAFTS CLASSIFIED BY PURPOSE 1/ Source : Bank of Thailand 1/ Including interbank and Out-in BIBF transactions 1996 2001 23

ADVANCES 1/ AS PERCENTAGE OF DEPOSITS AS AT DECEMBER 31 2001 2000 ADVANCES AS ADVANCES AS DEPOSITS ADVANCES PERCENTAGE DEPOSITS ADVANCES PERCENTAGE OF DEPOSITS OF DEPOSITS Banks Incorporated in Thailand 1. Bangkok Bank 1,071,931 649,749 60.6 1,033,511 728,171 70.5 2. Thai Farmers Bank 664,846 437,440 65.8 647,333 455,830 70.4 3. The Siam Commercial Bank 600,990 432,914 72.0 593,104 462,854 78.0 4. Krung Thai Bank 866,955 390,567 45.1 844,007 375,258 44.5 5. Bank of Ayudhya 372,250 331,424 89.0 358,692 316,935 88.4 6. The Thai Military Bank 300,894 264,029 87.7 268,588 258,816 96.4 7. BankThai 168,935 120,312 71.2 172,569 135,996 78.8 8. Bank of Asia 139,419 105,100 75.4 134,390 109,846 81.7 9. The DBS Thai Danu Bank 77,173 72,396 93.8 70,385 63,435 90.1 10.Siam City Bank 262,153 59,662 22.8 232,895 171,421 73.6 11.Standard Chartered Nakornthon Bank 57,650 52,297 90.7 58,484 51,913 88.8 12.Bangkok Metropolitan Bank 173,389 51,003 29.4 167,428 117,904 70.4 13.UOB Radanasin Bank 42,045 20,933 49.8 48,472 8,237 17.0 Sub-Total 4,798,630 2,987,826 62.3 4,629,858 3,256,616 70.3 Banks Incorporated Abroad 1. Sumitomo Mitsui Banking Corporation 48,168 86,179 178.9 - - - 2. The Dai-Ichi Kangyo Bank 29,263 80,916 276.5 10,018 44,992 449.1 3. The Bank of Tokyo-Mitsubishi 48,294 74,850 155.0 46,230 80,695 174.6 4. Citibank 54,476 69,945 128.4 49,059 63,673 129.8 5. The Hongkong and Shanghai Banking Corporation 19,793 25,321 127.9 19,119 29,404 153.8 6. Standard Chartered Bank 15,025 18,954 126.1 16,444 23,044 140.1 7. JP Morgan Chase Bank 2,505 16,993 678.4 4,176 20,608 493.5 8. ABN-AMRO Bank 4,612 12,629 273.8 5,199 11,626 223.6 9. Deutsche Bank 19,431 10,761 55.4 14,792 13,408 90.6 10.BNP Paribas 1,078 9,239 857.1 1,224 8,814 720.1 11.Bank of America 4,096 8,140 198.7 3,809 8,419 221.0 12.Credit Agricole Indosuez 4,030 6,786 168.4 4,064 11,138 274.1 13.The International Commercial Bank of China 3,446 3,438 99.8 3,413 4,268 125.1 14.Bank of China 1,177 2,967 252.1 1,182 3,228 273.1 15.Oversea-Chinese Banking Corporation 978 2,226 227.6 986 4,030 408.7 16.The Bank of Nova Scotia 1,164 2,182 187.5 1,095 3,558 324.9 17.Bharat Overseas Bank 1,994 1,685 84.5 1,706 1,596 93.6 18.RHB Bank Berhad 969 243 25.1 920 301 32.7 19.The Sakura Bank - - - 29,869 46,275 154.9 20.The Sumitomo Bank - - - 15,134 45,645 301.6 21.The Industrial Bank of Japan - - - 5,445 38,550 708.0 22.Dresdner Bank - - - 242 4,115 1,700.4 Sub-Total 260,499 433,454 166.4 234,126 467,387 199.6 Total 5,059,129 3,421,280 67.6 4,863,984 3,724,003 76.6 Source: Forms C.B. 1.1, C.B. 1.2, Bank of Thailand 24

(Million Baht) 1999 ADVANCES AS DEPOSITS ADVANCES PERCENTAGE OF DEPOSITS ADVANCES AND DEPOSITS OF COMMERCIAL BANKS 1997-2001 (BILLION BAHT) 957,172 754,898 78.9 608,734 467,123 76.7 562,642 468,851 83.3 802,102 708,921 88.4 356,098 327,192 91.9 259,843 261,081 100.5 170,075 143,162 84.2 124,742 108,187 86.7 89,269 80,238 89.9 215,832 186,318 86.3 48,130 46,831 97.3 155,416 119,881 77.1 42,051 3,341 7.9 4,392,106 3,676,024 83.7 - - - 6,640 43,611 656.8 42,157 83,503 198.1 49,166 61,794 125.7 17,985 25,628 142.5 18,651 26,728 143.3 3,720 28,019 753.2 2,154 18,382 853.4 12,505 14,322 114.5 1,471 10,788 733.4 4,475 11,809 263.9 6,421 13,944 217.2 3,388 4,395 129.7 1,111 2,784 250.6 1,065 4,916 461.6 1,181 2,810 237.9 1,715 1,423 83.0 774 401 51.8 26,820 52,918 197.3 7,982 47,335 593.0 4,659 37,684 808.8 1,725 8,362 484.8 215,765 501,556 232.5 4,607,871 4,177,580 90.7 1/ Net of allowance for doubtful accounts Source : Forms C.B. 1.1, C.B. 1.2, Bank of Thailand 25

COMPARISON OF BORROWINGS AS AT DECEMBER 31 (Million Baht) 2001 2000 1999 GROWTH RATE (%) SHARE SHARE SHARE 2001 over 2000 over (%) (%) (%) 2000 1999 Banks Incorporated in Thailand 1. Bangkok Bank 78,541 32.4 95,186 33.8 87,513 31.7 (17.5) 8.8 2. Thai Farmers Bank 48,748 20.1 56,052 19.9 54,909 19.9 (13.0) 2.1 3. Bank of Ayudhya 38,419 15.9 42,086 15.0 48,010 17.4 (8.7) (12.3) 4. The Thai Military Bank 27,565 11.4 32,738 11.6 28,711 10.4 (15.8) 14.0 5. The Siam Commercial Bank 25,522 10.5 25,603 9.1 22,103 8.0 (0.3) 15.8 6. The DBS Thai Danu Bank 8,068 3.3 9,466 3.4 8,996 3.3 (14.8) 5.2 7. BankThai 5,689 2.4 6,945 2.5 9,823 3.6 (18.1) (29.3) 8. Bank of Asia 4,922 2.0 2,917 1.0 2,908 1.1 68.7 0.3 9. Siam City Bank 4,818 2.0 9,242 3.3 10,208 3.7 (47.9) (9.5) 10.Krung Thai Bank 1 * 316 0.1 2,169 0.8 (99.7) (85.4) 11.Bangkok Metropolitan Bank - - 478 0.2 106 * - 350.9 12.Standard Chartered Nakornthon Bank - - - - - - - - 13.UOB Radanasin Bank - - 200 0.1 200 0.1 - * Sub-Total 242,293 100.0 281,229 100.0 275,656 100.0 (13.8) 2.0 Banks Incorporated Abroad 1. Standard Chartered Bank 1,000 100.0 1,000 46.4 - - 0.0-2. Sumitomo Mitsui Banking Corporation - - - - - - - - 3. Citibank - - 1,153 53.6 1,240 100.0 - (7.0) 4. The Dai-Ichi Kangyo Bank - - - - - - - - 5. The Bank of Tokyo-Mitsubishi - - - - - - - - 6. The Hongkong and Shanghai Banking Corporation - - - - - - - - 7. Deutsche Bank - - - - - - - - 8. ABN-AMRO Bank - - - - - - - - 9. Bank of America - - - - - - - - 10.JP Morgan Chase Bank - - - - - - - - 11.Credit Agricole Indosuez - - - - - - - - 12.BNP Paribas - - - - - - - - 13.Bank of China - - - - - - - - 14.The Bank of Nova Scotia - - - - - - - - 15.The International Commercial Bank of China - - - - - - - - 16.RHB Bank Berhad - - - - - - - - 17.Oversea-Chinese Banking Corporation - - - - - - - - 18.Bharat Overseas Bank - - - - - - - - 19.The Sumitomo Bank - - - - - - - - 20.The Sakura Bank - - - - - - - - 21.The Industrial Bank of Japan - - - - - - - - 22.Dresdner Bank - - - - - - - - Sub-Total 1,000 100.0 2,153 100.0 1,240 100.0 (53.6) 73.6 Total 243,293-283,382-276,896 - (14.1) 2.3 Source : Forms C.B.1.1, C.B.1.2, Bank of Thailand * Negligible 26

BORROWINGS OF COMMERCIAL BANKS 1997-2001 (BILLION BAHT) Source : Forms C.B. 1.1, C.B. 1.2, Bank of Thailand 27

COMPARISON OF NET WORTH* AS AT DECEMBER 31 (Million Baht) 2001 2000 1999 GROWTH RATE (%) SHARE SHARE SHARE 2001 over 2000 over (%) (%) (%) 2000 1999 Banks Incorporated in Thailand 1. Krung Thai Bank 63,456 22.5 65,810 28.4 102,186 32.1 (3.6) (35.6) 2. The Siam Commercial Bank 61,941 21.9 54,615 23.6 57,964 18.2 13.4 (5.8) 3. Bangkok Bank 43,333 15.3 34,014 14.7 44,978 14.1 27.4 (24.4) 4. Thai Farmers Bank 27,071 9.6 25,580 11.0 26,272 8.2 5.8 (2.6) 5. Siam City Bank 17,643 6.2 (1,714) (0.7) 4,587 1.4 1,129.3 (137.4) 6. Bank of Ayudhya 15,158 5.4 15,355 6.6 24,143 7.6 (1.3) (36.4) 7. The Thai Military Bank 13,693 4.8 13,950 6.0 8,864 2.8 (1.8) 57.4 8. BankThai 11,530 4.1 10,790 4.6 17,313 5.4 6.9 (37.7) 9. Bangkok Metropolitan Bank 9,762 3.5 (9,294) (4.0) (5,917) (1.9) 205.0 (57.1) 10.Bank of Asia 8,641 3.1 11,717 5.0 12,293 3.9 (26.3) (4.7) 11.The DBS Thai Danu Bank 4,173 1.5 3,766 1.6 3,797 1.2 10.8 (0.8) 12.Standard Chartered Nakornthon Bank 3,187 1.1 3,877 1.7 6,102 1.9 (17.8) (36.5) 13.UOB Radanasin Bank 2,729 1.0 3,375 1.5 16,102 5.1 (19.1) (79.0) Total 282,317 100.0 231,841 100.0 318,684 100.0 21.8 (27.3) Source : Forms C.B.1.1, C.B.1.2, Bank of Thailand * Shareholders equity NET WORTH OF THAI COMMERCIAL BANKS 1997-2001 (BILLION BAHT) Source : Form C.B. 1.1, Bank of Thailand 28

TOTAL INCOME AND EXPENSES OF THAI BANKS FOR YEARS ENDED DECEMBER 31, 2001 AMOUNT (Million Baht) GROWTH (%) 2001 2000 1999 1998 2001 2000 1999 1. 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 246,656 255,569 281,418 534,719 (3.5) (9.2) (47.4) 185,368 185,124 215,271 452,964 0.1 (14.0) (52.5) 30,490 39,399 34,487 59,728 (22.6) 14.2 (42.3) 0.0 24,535 24,295 16,542 (100.0) 1.0 46.9 30,798 6,512 7,366 5,485 372.9 (11.6) 34.3 152,088 179,576 248,038 496,225 (15.3) (27.6) (50.0) 118,711 142,015 207,287 431,689 (16.4) (31.5) (52.0) 6,252 9,943 15,294 52,223 (37.1) (35.0) (70.7) 3,879 143 56 227 2,612.6 155.4 (75.3) 23,204 27,255 25,337 12,084 (14.9) 7.6 109.7 42 220 65 2 (80.9) 238.5 3,150.0 94,568 75,994 33,380 38,494 24.4 127.7 (13.3) 50,860 50,461 57,493 58,705 0.8 (12.2) (2.1) 34,026 29,643 27,424 27,405 14.8 8.1 0.1 4,731 2,675 6,595 23,282 76.9 (59.4) (71.7) 12,103 18,143 23,475 8,018 (33.3) (22.7) 192.8 145,428 126,455 90,874 97,199 15.0 39.2 (6.5) 13,189 73,070 308,163 277,726 (82.0) (76.3) 11.0 120,615 121,079 137,272 155,893 (0.4) (11.8) (11.9) 38,427 36,782 38,509 37,821 4.5 (4.5) 1.8 21,252 19,446 19,768 20,436 9.3 (1.6) (3.3) 8,655 9,240 9,782 18,126 (6.3) (5.5) (46.0) 5,848 5,320 5,723 4,283 9.9 (7.0) 33.6 177 162 127 128 9.3 27.6 (0.8) 17,688 16,369 16,376 16,169 8.1 * 1.3 4,321 3,289 5,215 9,134 31.4 (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 100.0 100.0 100.0 100.0 100.0 NET INTEREST INCOME 65.0 60.1 36.7 39.6 72.0 NON-INTEREST INCOME 35.0 39.9 63.3 60.4 28.0 Fees and Service Charges 23.4 23.4 30.2 28.2 13.3 Gains on Exchange 3.3 2.1 7.3 24.0 12.5 Other Income 8.3 14.3 25.8 8.2 2.1 NON-INTEREST EXPENSES 100.0 100.0 100.0 100.0 100.0 Personnel Expenses 31.9 30.4 28.1 24.3 34.9 Premises and equipment 17.6 16.1 14.4 13.1 15.0 Taxes and Duties 7.2 7.6 7.1 11.6 15.8 Fees and Service Charges 4.8 4.4 4.2 2.7 2.4 Directors remuneration 0.1 0.1 0.1 0.1 0.2 Contribution to FIDF 14.7 13.5 11.9 10.4 - Loss on sales of investment 3.6 2.7 3.8 5.9 13.2 Loss on sales of securities 0.4 1.9 9.0 22.5 - Other Expenses 19.7 23.2 21.4 9.5 18.5 Source: Stock Exchange of Thailand STRUCTURE OF INCOME AND EXPENSES OF THAI BANKS FOR YEARS ENDED DECEMBER 31, 2001 % 2001 2000 1999 1998 1997 29