
             10.  ҹСԹмšôԹҹ
          
               10.1  ͺѭйººѭշӤѭ

                      1.  ·çപ  дɰҹ  ͺѭѺ͹حҵŢ 2349 /
ط  ǹС  ͺѭѺ͹حҵŢ  3247  ӹѡҹԹ ͹ ѧ  33 ҤŤѪ 
Ϳ 硫 193/136-137 ѪɡѴ ا෾ 10110 .  2640777 繼ͺѭ
ͧѷ
             §ҹõǨͺѭբͧͺѭ ҧ 2539 - 2541 繡͡-
Ẻ ͹

                      2.  º¡úѭբͧѷϷӤѭ  ѧ

Ѻ :-
»Сѹ      - »Сѹ¶ѹ͡ Сѹѧҡѡ
                  Сѹµ 觤׹






















                                    -25-

»Сѹµ͠   - »СѹµͶ  Ѻ㺤ӢһСѹµ 㺍
                  駡ûСѹµͨҡѷһСѹµ

Թͧ»Сѹ·ѧ:- ѷϤӹǳԹͧ»Сѹ·ѧ
                                    ࡳ㹾ҪѭѵԻСѹԹ´ѧ
          ûСѹѤ ö¹ - Ը͹ (Ը˹ǹԺ)
          ûСѹ·ҧ Т       - ӹǹ»СѹѺط͹       
                                            ͹ѧ
          ѷͧ»Сѹ·ѧ  ѺûСѹ»ö¹ 
Ӥѡ͡ҡ»Сѹ¡͹äӹǳͧ»Сѹ·ѧ 
 駹仵СȡзǧҳԪ ͧèѴԹͧѺ»Сѹ·ѧ
赡ͧѷԹͧѺԹ᷹

Թ᷹ҧ   :- ѷ駤Թ᷹ҧ㹨ӹǹ٧شһСѹ
                           ¡ͧ  ա蹤¡ͧ

ҤФҵѴ˹:-  ҤѺҤػó ӹǳ¡õѴ˹
                           Ҥҷع ͧԹѾ Ը鹵çѵҵͻմѧ仹:-                                 
                           - Ҥ -  5
                           -   -  20
                           աäԴҤѺԹ Ҥҧҧ















                                   -26-

           10.2  ػҹСԹмšôԹҹ                    

                      ѷ  ѭСѹ  ӡѴ (Ҫ)
                                  
                              ѹ  31  ѹҤ

                                      2541              2540             2539
                                ѹҷ       %      ѹҷ     %     ѹҷ     %
          ԹѾ
ԹŧعѡѾ
     ѹѵѰ                  530      0.08    1,250    0.17    1,350   0.19 
     鹷ع                      47,758      7.06   52,389    7.24   49,660   7.15 
     Թ                       -          -      -        -      1,000    0.14 
     ѡѾ                  4,038      0.60    5,163    0.72    5,250   0.76 
     ԹŧعѡѾ       52,326      7.74   58,802    8.13   57,260   8.24 
ԹѡѾ繻Сѹ    18,226      2.70   18,455    2.55   16,748   2.41 
ԹʴԹҡҤ          407,747     60.31  434,600   60.09  433,780  62.42 
Թ Ҥ ػó - ط      109,354     16.17  116,148   16.06  106,245  15.28 
ԹҧѺǡѺûСѹµ      4,528      0.67    5,424    0.75      147   0.02 
»Сѹ¤ҧѺ - ط          47,388      7.01   55,172    7.63   65,433   9.42 
ҡŧعҧѺ           24,222      3.58   19,828    2.74    7,688   1.11 
ԹѾ
     ١˹Թͧ            4,725      0.70    6,595    0.91    3,385   0.49 
     ¨ǧ˹           3,395      0.50    3,461    0.48       -      - 
                             4,186      0.62    4,763    0.66    4,235    0.61 
     ԹѾ               12,306      1.82   14,819    2.05    7,620    1.10 
ԹѾ                     676,097    100.00  723,248  100.00  694,921  100.00 









                                       -27-

                            ѷ  ѭСѹ ӡѴ (Ҫ)
                                        
                                   ѹ  31  ѹҤ

                                          2541              2540             2539 
                                      ѹҷ    %       ѹҷ     %      ѹҷ    %
     ˹Թǹͧ
Թͧ»Сѹ·ѧ    52,256   7.73    51,446    7.11   61,478   8.85 
ͧԹ᷹ФԹҧ     7,837   1.16     7,532    1.04   12,266   1.77 
ԹҡûСѹµ               13,693   2.03    28,681    3.97   27,919   4.02 
ԹҧǡѺûСѹµ             351   0.05     1,682    0.23   11,118   1.60 
ԹԡԹѭԹҡҤ       63,616   9.40    91,764    12.69  73,275   10.54 
˹Թ
   »СѹѤµçѺǧ˹       14,760   2.18    15,050     2.08     -       - 
   ҹ˹Ҥҧ                    14,939   2.21    14,619     2.02  14,205    2.04 
   ԹԵԺؤŤҧ              20,223   2.99    14,082     1.95   8,526    1.23 
                                  11,190   1.66    14,482     2.00  14,229    2.05 
   ˹Թ                         61,112   9.04    58,233     8.05  36,960    5.32 
˹Թ                             198,865  29.41   239,338    33.09 223,016    32.10 
ǹͧ
   ع¹                        60,000   8.87    60,000     8.30  60,000     8.63 
   ع¡                    60,000   8.87    60,000     8.30  60,000     8.63 
   ǹԹŤ                     258,000  38.16   258,000    35.67 258,000    37.13 

Ѵ
   ͧ                     6,000   0.89     6,000     0.83   6,000     0.86 
   ѧѴ                      154,271  22.82   160,927    22.25 147,905    21.28 
ҴعѧԴҡѡѾ              (1.039) (0.15)   (1,017)   (0.14     -        -  
ǹͧ                      477,232  70.59   483,910    66.91 471,905    67.90 
˹Թǹͧ               676,097 100.00   723,248   100.00 694,921   100.00 
Ťҵѭյ (ҷ)                  79.54            80.65            78.65 
Ťҷ (ҷ/)                   10               10               10 




                                          -28-
                           ѷ  ѭСѹ  ӡѴ (Ҫ)
                                     âҴع
                             Ѻ شѹ  31  ѹҤ
                                          2541            2540             2539
                                     ѹҷ     %      ѹҷ    %      ѹҷ       %
ҡѺСѹ
   »Сѹ                       208,292   100     237,561   100   253,838     100 
   ѡ : »Сѹ¡ԡ觤׹        (13,675) 6.57)    (12,246) (5.15) (13,778)   (5.43)
        »Сѹµ                (65,449) (31.42) (108,201) (45.55) (108,039) (42.56)
   »СѹѺط                  129,168  62.01    117,114  49.30   132,021    52.01 
   Թͧ»Сѹ·ѧ-  (811) (0.39)   10,033   4.22     5,417      2.13 
   () Ŵŧҡա͹
   ҡѺСѹ         128,357  61.62   127,147   53.52  137,438     54.14 
㹡ѺСѹ
   Թ᷹Դҧ        31,819  15.28    37,938   15.97   51,113     20.14 
   㹡èѴԹ᷹       1,210   0.58     2,173    0.91    1,819    0.72 
   Ҩҧк˹                    4,423   2.12   (12,712)  (5.35)   1,047    0.41 
                            8,883   4.26     6,700    2.82    9,633    3.79 
   㹡ѺСѹ         46,335  22.24    34,099   14.35   63,612   25.06 
èҡѺСѹ                 82,022  39.38    93,048   39.17   73,826   29.08
ҡŧع
   ͡ԹѹѺ               52,888  25.39    63,320   26.65   51,510   20.29 
   èҡâѡѾ              6,938   3.33       -       -     15,197    5.99 
   ҴعҡŴŧŤҢͧԹŧع (13,896) (6.67)      -       -        -        - 
   ҡŧع               45,930  22.05    63,320   26.65   66,707   26.28 
㹡ŧع                      -       -      (173)   (0.07)     -       -   
èҡŧع                      45,930  22.05    63,147   26.58   66,707   26.28 
èҡѺСѹШҡŧع127,952  61.43   156,195   65.75  140,533   55.36 
                              6,790   3.26     9,658    4.06   10,565    4.17
                                   134,742  64.69   165,853   69.81  151,098   59.53 
¡ôԹҹ
   ǡѺѡҹ              30,428  14.61    37,923   15.96   33,977   13.39 
   ǡѺҤ ʶҹػó 21,726  10.44    16,516    6.95   13,936    5.49 
   ҡ                        10,149   4.87    14,247    6.00   12,236    4.82 
   ˹٭˹ʧ¨٭                 8,900   4.27     7,000    2.95    2,384    0.94 
   ҵͺ᷹                     841   0.40       721    0.30      742    0.29 

                                         -29-

                                ѷ ѭСѹ ӡѴ (Ҫ)
                                    âҴع ()
                                    Ѻش 31 ѹҤ

                                          2541             2540             2539 
                                     ѹҷ    %       ѹҷ     %      ѹҷ     %
   
     ͡¨                       9,363   4.50     8,218    3.46    4,711    1.86 
                                  3,322   1.59     4,585    1.93    4,855    1.91 
                        12,685   6.09    12,803    5.39    9,566    3.77 
   ¡ôԹҹ            84,729  40.68    89,210   37.55   72,841   28.70 
á͹Թ                     50,013  24.01    76,643   32.26   78,257   30.83 
ԹԵԺؤ                     (20,669) (9.92)  (21,621)  (9.10)  (20,706) (8.16)
طѺ                       29,344  14.09    55,022   23.16    57,551  22.67 
õ (ҷ)                       4.89             9.17              9.59


                              ѷ  ѭСѹ  ӡѴ (Ҫ)
                                        
                                   Ѻش ѹ  31  ѹҤ
  
                                              2541        2540        2539
                                             ѹҷ        ѹҷ      ѹҷ
ǹѧѴ
     ʹ¡Ҩҡա͹                        160,927       147,905    126,354 
     ѡ Թѹ                            (36,000)      (42,000)   (36,000)
     طѺ                          29,344        55,022     57,551 
     ǹѧѴ            154,271       160,927    147,905 
ǹѴ
     ͧ                          6,000         6,000      6,000 
     ǹѴ               6,000         6,000      6,000 
                                160,271       166,927    153,905 





                                       -30-

                                   ѷ  ѭСѹ  ӡѴ (Ҫ)
                                   ʴ¹ŧǹͧ
                                    Ѻش ѹ  31  ѹҤ

                                             2541       2540         2539 
                                             ѹҷ      ѹҷ        ѹҷ
ع͹
     ʹ鹻                                 60,000     60,000        60,000
     ʹ»                               60,000     60,000        60,000
ǹԹŤ
     ʹ鹻                                258,000    258,000       258,000
     ʹ»                              258,000    258,000       258,000

     Ѵ - ͧ
       ʹ鹻                                6,000      6,000         6,000
       ʹ»                              6,000      6,000         6,000
ѧѴ
        ʹ鹻                             160,927    147,905       126,354
        ҧ                          29,344     55,022        57,551
        Ŵҧ                          (36,000)   (42,000)      (36,000)
        ʹ»                           154,271    160,927       147,905
ҴعѧԴ鹨ҡѡѾ͡ŧع
      ʹ鹻                                (1,017)      -              - 
      ҧ                               (22)    (1,017)          - 
      ʹ»                              (1,039)    (1,017)          - 
ǹͧ                             477,232    483,910       471,905










                                     -31-

                                               ҧʴѵǹҧԹ


                                                         (˹ : ѹҷ)
                                   2541          2540          2539
               
ԹѾع¹                     483,885        515,024        513,633     
˹Թع¹                       187,675        224,857        222,244
»Сѹ¤ҧѺ                    47,388         55,172         65,433
»СѹѺ                      208,292        237,561        253,838
»СѹѺط                   129,168        117,114        132,021
»СѹѺ           128,357        127,146        137,438
Թ᷹                       31,819         37,938         51,113
èҡѺСѹ                82,022         93,048         73,826
Ҩҧк˹                      4,423        (12,712)         1,046
㹡ѺСѹ             8,883          6,700          9,633
㹡ôԹҹ               84,729         89,210         72,841
ҡŧع                    45,930         63,320         66,708
ԹʴԹҡҤ              407,747        434,600        433,780
Թŧع                        -              -             1,000 
ԹŧعԹ                 70,553         77,257         73,258 
ǹͧ                       477,232        483,910        471,905
ط                            29,344         55,022         57,551
                          194,974        200,124        214,710
ԹѾ                         676,097        723,248        694,921
˹Թ                           198,865        239,339        223,016
Թ᷹ҧ                  7,837          7,532         12,266
Թͧ͡§               52,256         51,445         61,478
Թѹ                            21,000         36,000         42,000







                                      -32-                
 
                 ػšôԹҹͧԹʴͧǴ 3 
                                                           (˹ : ѹҷ)
                                     2541          2540          2539    

Թʴҡ()
ԨôԹҹ
ط                             29,344         55,022          57,551
ѺзطԹʴѺ()ҡԨԹҹ
     ҤФҵѴ˹         8,858          8,052           7,075
     èҡâԹŧع           (6,938)           -           (15,970)
     ͡ŴŧͧŤԹŧع     13,897            172            -
     ˹ʧ¨٭                 8,900          7,000           2,322
     »Сѹ¤ҧѺŴŧ()     (1,115)         3,261         (12,945)
     ԹҧѺǡѺûСѹµ
     Ŵŧ()                       896         (5,277)            670
     ١˹ԹͧŴŧ()      1,869         (3,210)           (112)
     蹤ҧѺ()Ŵŧ        (4,394)       (12,140)           (423)     
     ԹѾ()Ŵŧ               577         (1,582)            275     
     ¨ǧ˹Ŵŧ()        67         (3,462)          1,581
     Թ᷹ҧ(Ŵŧ)     305         (4,733)          1,567
     ԹҧǡѺСѹ
     (Ŵŧ)                         (1,331)        (9,435)          5,387
     Թͧ»Сѹ·ѧ
     Ŵŧ()                  810        (10,033)         (5,417)
     ԹСѹѭһСѹ
     (Ŵŧ)                 (14,988)           762           2,276
     »СѹµçѺǧ˹
     (Ŵŧ)                      (290)        15,050          (7,169)
     ҹ˹Ҥҧ(Ŵŧ)         320            414             463







                                      -33-


                                     2541          2540          2539                     
     ԹԵԺؤŤҧ(Ŵŧ)
                                6,141          5,556         (1,574)
     ˹Թ(Ŵŧ)              (3,292)           253            232
     ԹʴطԨҡԨôԹҹ   39,636         45,670         35,789

Թʴҡ()Ԩŧع
     ԹҡҤ÷֧˹¤׹Թ
      3 ͹з令ӻСѹ
      (Ŵŧ)                   20,058        (11,619)       (16,190)
     ԹŧعԹ        (9,565)        (4,439)       (29,297)
     ԹѾ                (2,064)       (16,900)       (37,118)
     ԹʴѺҡâԹŧع         9,289            -           26,206  
     Թʴط㹡Ԩŧع       17,718        (32,958)       (56,399)

Թʴҡ()ԨѴԹ

     ԹԡԹѭոҤ  
     ԹҡҤ(Ŵŧ)    (28,148)        18,489        (15,849)
     ԹѹŨ                    (36,000)       (42,000)       (36,000)
     Թʴط㹡ԨѴԹ   (64,148)       (23,511)       (51,849)
     
Թʴ¡ºԹʴŴŧط   (6,794)       (10,799)       (72,459)
Թʴ¡ºԹʴ鹻       13,951         24,750         97,209
Թʴ¡ºԹʴ»      7,157         13,951         24,750
                  


          






                                    -34-                              

ѵǹҾͧ
                                        2541          2540        2539                         
ѵǹҾͧ ()                   2.58           2.29         2.31 
ѵع¹»СѹҧѺ (ѹ)            89             91           85 

ѵǹʴö㹡ҡ

RETENTION RATE (%)                    100.63          92.11        96.06
ѵҡè¤Թ᷹ (%)             24.79          29.84        37.19
ѵҡâ鹵鹠  (%)                   63.50         79.45       55.92      
ѵǹ㹡ѺСѹ (%)         76.38          65.43        60.77
ѵҼŵͺ᷹ҡŧع (%)              9.60          12.37        13.13
ѵ»СѹѺط  ()              0.27           0.25         0.29 
ѵҡط    (%)                     15.05          27.49        28.11
ѵҼŵͺ᷹ (%)                   6.11          11.51        12.48

ѵǹʴԷҾ㹡ôԹҹ

ѵҼŵͺ᷹ԹѾ (%)                4.19           7.76         8.29
ѵҡعͧԹѾ ()               0.28           0.28         0.29 

ѵǹº·ҧԹ

ѵǹ˹Թǹͧ ()          0.42           0.49         0.47 
POLICY LIABILITY TO CAPITAL FUND ()  0.13           0.12         0.16 
ѵǹԹͧǹͧ ()      0.11           0.11         0.13 
ѵǹԹͧԹѾ (%)             7.73           7.11         8.85
ѵҡèԹѹ  (%)                 71.56          65.43        72.98


               10.3 ǡѺ鹡͵Թ

                                

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