             10.  ҹСԹмšôԹҹ
          
                   10.1  ͺѭйººѭշӤѭ

                      1.    ͺѭѺ͹حҵ Ţ 3182 
ҧ駹 ó  ͺѭѺ͹حҵŢ  3516  ӹѡҹԹ ͹ ѧ  33
 ҤŤѪ Ϳ 硫 193/136-137 ѪɡѴ ا෾ 10110 . 
 2640777 繼ͺѭբͧѷ
                          §ҹõǨͺѭբͧͺѭ ҧ 2540 - 2542 
繡͡Ẻ ͹
                      2.  º¡úѭբͧѷϷӤѭ  ѧ
Ѻ :-
»Сѹ      - »Сѹ¶ѹռźѧѺ㹡 Сѹѧ
                  ҡѡ»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

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

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

͡ԹѹŨҡԹŧعѡѾ   - ͡¶ࡳԷ
                                      - ԹѹŨҡԹŧعѡѾ
                                        ѺԹ

(Ҵع) ҡâѡѾ          - ѹ֡ ͤ  ѹ赡ŧ 

ҨҧФҺ˹                      - 繤·ѹԴ 

˹ʧ¨٭                       - ͧ˹ʧ¨٭ѺŢҴع 
                                        ҳҨԴ鹨ҡԹҡ١˹
                                         ӹǹͧҳ鹨ҡʺó
                                        㹡Թʹյ еʶҹлѨغѹͧ
                                        ١˹餧ҧ  ѹ㹧





                                   -26-

           10.2  ػҹСԹмšôԹҹ                    

                      ѷ  ѭСѹ  ӡѴ (Ҫ)
                                  
                              ѹ  31  ѹҤ

                                    2542              2541             2540             
                                ѹҷ      %      ѹҷ     %      ѹҷ     %
          ԹѾ
ԹŧعѡѾ
     ѹѵѰ                  -                 530    0.08    1,250    0.17     
     鹷ع                      74,362    11.53   47,758    7.06   52,389    7.24    
     Թ                        -        -       -        -       -        -     
     ѡѾ                  1,717     0.27    4,038    0.60    5,163    0.72    
     ԹŧعѡѾ       76,079    11.80   52,326    7.74   58,802    8.13   
ԹѡѾ繻Сѹ     8,120     1.25   18,226    2.70   18,455    2.55   
ԹʴԹҡҤ          382,189    59.24  407,747   60.31  434,600   60.09  
Թ Ҥ ػó - ط      102,330    15.86  109,354   16.17  116,148   16.06 
ԹҧѺǡѺûСѹµ      3,477     0.54    4,528    0.67    5,424    0.75   
»Сѹ¤ҧѺ - ط          49,141     7.62   47,388    7.01   55,172    7.63   
ҡŧعҧѺ            5,391     0.84   24,222    3.58   19,828    2.74     
ԹѾ
     Թ͡â                8,528     1.32      -        -       -       -
     ١˹Թͧ            3,943     0.61    4,725    0.70    6,595    0.91     
     ¨ǧ˹           2,609     0.40    3,395    0.50    3,461    0.48      
                             3,351     0.52    4,186    0.62    4,763    0.66    
     ԹѾ               18,431     2.85   12,306    1.82   14,819    2.05     
ԹѾ                     645,158   100.00  676,097  100.00  723,248  100.00   








                                       -27-

                            ѷ  ѭСѹ ӡѴ (Ҫ)
                                        
                                   ѹ  31  ѹҤ

                                          2542              2541           2540              
                                      ѹҷ    %       ѹҷ     %      ѹҷ    %
     ˹Թǹͧ
Թͧ»Сѹ·ѧ    55,979   8.68    52,256   7.73    51,446   7.11  
ͧԹ᷹ФԹҧ     4,653   0.72     7,837   1.16     7,532   1.04  
ԹҡûСѹµ               10,822   1.68    13,693   2.03    28,681   3.97   
ԹҧǡѺûСѹµ           2,578   0.40       351   0.05     1,682   0.23   
ԹԡԹѭԹҡҤ       19,598   3.03    63,616   9.40    91,764   12.69  
˹Թ
   »СѹѤµçѺǧ˹       11,344   1.76    14,760   2.18    15,050    2.08      
   ҹ˹Ҥҧ                    16,374   2.54    14,939   2.21    14,619    2.02   
   ԹԵԺؤŤҧ              14,707   2.28    20,223   2.99    14,082    1.95   
                                   9,573   1.48    11,190   1.66    14,482    2.00   
   ˹Թ                         51,998   8.06    61,112   9.04    58,233    8.05   
˹Թ                             145,628  22.57   198,865  29.41   239,338   33.09  
ǹͧ
   ع¹                        60,000   9.30    60,000   8.87    60,000    8.30   
   ع¡                    60,000   9.30    60,000   8.87    60,000    8.30   
   ǹԹŤ                     258,000  39.99   258,000  38.16   258,000   35.67  

Ѵ
   ͧ                     6,000   0.93     6,000   0.89     6,000    0.83   
   ѧѴ                      154,140  23.89   154,271  22.82   160,927   22.25  
(Ҵع)ѧԴҡѡѾ        21,390   3.32    (1.039) (0.15)   (1,017)  (0.14 
ǹͧ                      499,530  77.43   477,232  70.59   483,910   66.91  
˹Թǹͧ               645,158 100.00   676,097 100.00   723,248  100.00  
Ťҵѭյ (ҷ)                  83.26           79.54            80.65            
Ťҷ (ҷ/)                   10               10               10               




                                          -28-
                           ѷ  ѭСѹ  ӡѴ (Ҫ)
                                     âҴع
                             Ѻ شѹ  31  ѹҤ
                                            2542            2541             2540           
                                       ѹҷ     %      ѹҷ    %      ѹҷ       %
ҡѺСѹ
   »Сѹ                        180,783  100.00  208,292   100     237,561    100   
   ѡ : »Сѹ¡ԡ觤׹         (15,923)  (8.81) (13,675) 6.57)    (12,246) (5.15)
        »Сѹµ                 (48,882) (27.04) (65,449) (31.42) (108,201) (45.55) 
   »СѹѺط                   115,978   64.15  129,168  62.01    117,114   49.30   
   Թͧ»Сѹ·ѧ- (3,723)  (2.06)    (811) (0.39)    10,033    4.22  
   () Ŵŧҡա͹
   ҡѺСѹ           112,255   62.09  128,357  61.62    127,147   53.52     
㹡ѺСѹ
   Թ᷹Դҧ          29,838   16.50   31,819  15.28    37,938    15.97   
   㹡èѴԹ᷹         1,151    0.64    1,210   0.58     2,173     0.91    
   Ҩҧк˹                      8,946    4.95    4,423   2.12   (12,712)   (5.35)  
                              6,150    3.40    8,883   4.26     6,700     2.82    
   㹡ѺСѹ           46,085   25.49   46,335  22.24    34,099    14.35  
èҡѺСѹ                   66,170   36.60   82,022  39.38    93,048    39.17 
ҡŧع
   ͡ԹѹѺ                 35,815   19.81   52,888  25.39    63,320    26.65   
   (Ҵع)ҡâѡѾ        (1,040)  (0.58)   6,938   3.33       -        -   
   ҴعҡŴŧŤҢͧԹŧع    (1,000)  (0.55) (13,896) (6.67)      -        -    
   ҡŧع                 33,775   18.68   45,930  22.05    63,320    26.65  
㹡ŧع                         -       -       -       -      (173)     (0.07)  
èҡŧع                        33,775   18.68   45,930  22.05    63,147    26.58   
èҡѺСѹШҡŧع   99,945   55.28  127,952  61.43   156,195    65.75  
                                1,036    0.57    6,790   3.26     9,658     4.06  
                                     100,981   55.85  134,742  64.69   165,853    69.81   
¡ôԹҹ
   ǡѺѡҹ                27,722   15.33   30,428  14.61    37,923    15.96   
   ǡѺҤ ʶҹػó   16,441    9.09   21,726  10.44    16,516     6.95   
   ҡ                           2,795    1.55   10,149   4.87    14,247     6.00   
   ˹٭˹ʧ¨٭                   9,860    5.45    8,900   4.27     7,000     2.95
   ҵͺ᷹                       747    0.41      841   0.40       721     0.30   

                                         -29-

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

                                         2542              2541            2540              
                                     ѹҷ    %       ѹҷ     %      ѹҷ     %
   
     ͡¨                     3,849     2.13     9,363   4.50     8,218    3.46   
                                3,558     1.97     3,322   1.59     4,585    1.93   
                       7,407     4.10    12,685   6.09    12,803    5.39    
   ¡ôԹҹ          64,972    35.93    84,729  40.68    89,210   37.55    
á͹Թ                   36,009    19.92    50,013  24.01    76,643   32.26    
ԹԵԺؤ                   (15,140)   (8.37)  (20,669) (9.92)  (21,621)  (9.10) 
طѺ                     20,869    11.55    29,344  14.09    55,022   23.16    
õ (ҷ)                     3.48                       4.89              9.17 


                              ѷ  ѭСѹ  ӡѴ (Ҫ)
                                        
                                   Ѻش ѹ  31  ѹҤ
  
                                             2542          2541      2540   
                                             ѹҷ        ѹҷ      ѹҷ
ǹѧѴ
     ʹ¡Ҩҡա͹                        154,271       160,927    147,905  
     ѡ Թѹ                            (21,000)      (36,000)   (42,000) 
     طѺ                          20,869        29,344     55,022   
     ǹѧѴ            154,140       154,271    160,927    
ǹѴ
     ͧ                          6,000         6,000      6,000 
     ǹѴ               6,000         6,000      6,000 
                                160,140       160,271    166,927    




                                       -30-

                                   ѷ  ѭСѹ  ӡѴ (Ҫ)
                                   ʴ¹ŧǹͧ
                                    Ѻش ѹ  31  ѹҤ

                                             2542        2541         2540     
                                             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                            154,271     160,927       147,905   
        ҧ                         20,869      29,344        55,022 
        Ŵҧ                         (21,000)    (36,000)      (42,000)   
        ʹ»                          154,140     154,271       160,927   
ҴعѧԴ鹨ҡѡѾ͡ŧع
      ʹ鹻                               (1,039)     (1,017)         -       
      ҧ                              -           (22)       (1,017)          
      Ŵҧ                            22,430         -            -    
      ʹ»                             21,390      (1,039)       (1,017)  
ǹͧ                            499,530     477,232       483,910  









                                     -31-

                                               ҧʴѵǹҧԹ


                                                         (˹ : ѹҷ)
                                    2542         2541          2540        
               
ԹѾع¹                    440,198        483,885        515,024         
˹Թع¹                      136,055        187,675        224,857  
»Сѹ¤ҧѺ                   49,141         47,388         55,172      
»СѹѺ                     180,783        208,292        237,561  
»СѹѺط                  115,978        129,168        117,114     
»СѹѺ          112,255        128,357        127,146  
Թ᷹                      29,838         31,819         37,938    
èҡѺСѹ               66,170         82,022         93,048   
Ҩҧк˹                     8,946          4,423        (12,712)  
㹡ѺСѹ            6,150          8,883          6,700  
㹡ôԹҹ              64,972         84,729         89,210  
ҡŧع                   33,775         45,930         63,320  
ԹʴԹҡҤ             382,189        407,747        434,600  
Թŧع                       -              -              -      
ԹŧعԹ                84,199         70,553         77,257    
ǹͧ                      499,530        477,232        483,910  
ط                           20,869         29,344         55,022  
                         149,105        194,974        200,124  
ԹѾ                        645,158        676,097        723,248  
˹Թ                          145,628        198,865        239,339  
Թ᷹ҧ                 4,653          7,837          7,532    
Թͧ͡§              55,979         52,256         51,445        
Թѹ                           15,000         21,000         36,000    







                                      -32-                
 
                 ػšôԹҹͧԹʴͧǴ 3 
                                                           (˹ : ѹҷ)
                                     2542          2541          2540            
                                                                        
Թʴҡ()
ԨôԹҹ
ط                              20,869        29,344         55,022   
ѺзطԹʴѺ()ҡԨԹҹ
     ҤФҵѴ˹          8,458         8,858          8,052  
     (Ҵع)ҡâԹŧع      1,040        (6,938)          -   
     ͡ŴŧͧŤԹŧع       1,000        13,897            172            
     ˹ʧ¨٭                  2,000         8,900          7,000  
     »Сѹ¤ҧѺŴŧ()      (3,754)       (1,115)         3,261
     ԹҧѺǡѺûСѹµ
     Ŵŧ()                      1,052           896         (5,277)    
     ١˹ԹͧŴŧ()         782         1,869         (3,210)  
     蹤ҧѺ()Ŵŧ         18,831        (4,394)       (12,140)      
     ԹѾ()Ŵŧ              1,364           577         (1,582)       
     ¨ǧ˹Ŵŧ()        785            67         (3,462) 
     Թ᷹ҧ(Ŵŧ)   (3,184)          305         (4,733)   
     ԹҧǡѺСѹ
     (Ŵŧ)                           2,228        (1,331)        (9,435)    
     Թͧ»Сѹ·ѧ
     Ŵŧ()                 3,723           810        (10,033)    
     ԹСѹѭһСѹ
     (Ŵŧ)                   (2,870)      (14,988)           762     
     »СѹµçѺǧ˹
     (Ŵŧ)                     (3,415)         (290)        15,050   
     ҹ˹Ҥҧ(Ŵŧ)        1,435           320            414   







                                      -33-


                                      2542         2541          2540                             
     ԹԵԺؤŤҧ(Ŵŧ)
                              (5,516)         6,141          5,556   
     ˹Թ(Ŵŧ)             (1,617)        (3,292)           253   
     ԹʴطԨҡԨôԹҹ  43,211         39,636         45,670 

Թʴҡ()Ԩŧع
     ԹҡҤ÷֧˹¤׹Թ
      3 ͹з令ӻСѹ
      (Ŵŧ)                  25,548         20,058        (11,619) 
     ԹŧعԹ        5,502         (9,565)        (4,439) 
     ԹѾ               (1,435)        (2,064)       (16,900)  
     Ѻ͹Թͪ˹             (8,528)           -              -
     ԹʴѺҡâԹŧع          710          9,289            -       
     Թʴط㹡Ԩŧع      21,797         17,718        (32,958)  

Թʴҡ()ԨѴԹ

     ԹԡԹѭոҤ  
     ԹҡҤ(Ŵŧ)   (44,018)       (28,148)        18,489  
     ԹѹŨ                   (21,000)       (36,000)       (42,000)    
     Թʴط㹡ԨѴԹ  (65,018)       (64,148)       (23,511)  
     
Թʴ¡ºԹʴŴŧط     (10)        (6,794)       (10,799) 
Թʴ¡ºԹʴ鹻       7,157         13,951         24,750    
Թʴ¡ºԹʴ»     7,147          7,157         13,951  
                  


          





                                    -34-                              

ѵǹҾͧ
                                        2542         2541        2540                                
ѵǹҾͧ ()                   3.24          2.58         2.29      
ѵع¹»СѹҧѺ (ѹ)             96            89           91            

ѵǹʴö㹡ҡ

RETENTION RATE (%)                    103.32       100.63        92.11 
ѵҡè¤Թ᷹ (%)             26.58         24.79        29.84 
ѵҡâ鹵鹠  (%)                   57.05         63.50       79.45       
ѵǹ㹡ѺСѹ (%)         71.33         76.38        65.43    
ѵҼŵͺ᷹ҡŧع (%)              7.24          9.60        12.37  
ѵ»СѹѺط  ()              0.24          0.27         0.25   
ѵҡط    (%)                     14.00         15.05        27.49
ѵҼŵͺ᷹ (%)                   4.27          6.11        11.51 

ѵǹʴԷҾ㹡ôԹҹ

ѵҼŵͺ᷹ԹѾ (%)                3.16          4.19         7.76  
ѵҡعͧԹѾ ()               0.23          0.28         0.28 

ѵǹº·ҧԹ

ѵǹ˹Թǹͧ ()          0.29          0.42         0.49     
POLICY LIABILITY TO CAPITAL FUND ()  0.12          0.13         0.12     
ѵǹԹͧǹͧ ()      0.11          0.11         0.11    
ѵǹԹͧԹѾ (%)             8.68          7.73         7.11   
ѵҡèԹѹ  (%)                 71.88         71.56        65.43   


               10.3 ǡѺ鹡͵Թ

                                

OPT 1.50           !B!B!B                                                   x &   N  n 