6& 6 '4 7 svvz¸‚้อมูลรายงาน... · .'< 15 '6. + 6...
TRANSCRIPT
![Page 1: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/1.jpg)
![Page 2: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/2.jpg)
![Page 3: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/3.jpg)
MISSION
VALUES
To strive for product and service quality through skills and ethics development and throughoperational excellence, in order to achieve customer satisfaction and sustain financial strength.
Customer Satisfaction Achievement
![Page 4: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/4.jpg)
HISTORY
was established
company should be established in order to keep money in the country and help the Thai’s during distress in claim situation. The company
company, and was awarded a garuda emblem and was designated
and Ayudhaya
2519 2546 2554
Annual Report 2016
![Page 5: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/5.jpg)
CONTENTS
Structure of the Board of Directors
Corporate Secretary
Board of Directors’ Meeting
Leadership and vision
The Nomination of the Directors and Executive Officers
Management Remuneration
Remuneration for Audit
Corporate Governance Policy
Shareholders rights and shareholder’s Meeting
Inside Information Management
Internal Control and Risk Management
Connected Transaction
Business Ethic
Nature of Business
Income Structure
Risk Factors
Description and analysis of financial position and results from operations
Progress of The Business Plan
Notes to Financial Statements
8
www.sec.or.th www.thaiins.com
www.sec.or.th Or www.thaiins.com
![Page 6: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/6.jpg)
2558
2015
2559
2016
2557
2014
Annual Report 2016
![Page 7: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/7.jpg)
![Page 8: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/8.jpg)
Annual Report 2016
t
customers.
trusted insurance company.
![Page 9: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/9.jpg)
8
1
2
3
![Page 10: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/10.jpg)
6
7
8
5
4
![Page 11: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/11.jpg)
![Page 12: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/12.jpg)
Annual Report 2016
![Page 13: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/13.jpg)
![Page 14: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/14.jpg)
Annual Report 2016
![Page 15: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/15.jpg)
performance, the economic trends and the adequacy of the capital required by related laws and the capital for company’s further expansion.
%*
![Page 16: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/16.jpg)
Annual Report 2016
Nomination and
Recovery
![Page 17: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/17.jpg)
![Page 18: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/18.jpg)
Annual Report 2016
has resolved to increase the registered capital by issuing new preferred shares. The company has allotted shares to raise capital to existing
![Page 19: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/19.jpg)
www.thaiins.com
![Page 20: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/20.jpg)
Annual Report 2016
’ signatures accompanied by an official company seal allows the directors to engage in legally binding agreement on behalf of the company
financial disclosures, compliance with accepted accounting standards, prevention of potential conflict of interests within the scope of www.thaiins.com
to nominate qualified persons to be directors
has given the advices in policy, target and strategic determination, direction of business operation, monitoring and evaluation throughout
policy, considering the investment regulations and procedure and considering investment approval as well as monitoring the status of its
has given the advices in policy, target and strategic determination, direction of business operation and annual budget for approval.
business operation and annual budget.
The board of director has had the resolution to appoint as the
![Page 21: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/21.jpg)
20
• • • •
![Page 22: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/22.jpg)
Annual Report 2016
21
management.
(
• • •
![Page 23: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/23.jpg)
22
![Page 24: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/24.jpg)
Annual Report 2016
23
Name
-
![Page 25: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/25.jpg)
24
• •
![Page 26: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/26.jpg)
Annual Report 2016
25
![Page 27: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/27.jpg)
26
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
• •
![Page 28: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/28.jpg)
Annual Report 2016
27
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Note
• •
![Page 29: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/29.jpg)
28
• • • • •
![Page 30: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/30.jpg)
Annual Report 2016
29
Corporate Governance
• • • • •
Shareholders Rights and Shareholders’ Meeting
Investor relations
Rights of various interest groups
Management and Corporate Governance
![Page 31: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/31.jpg)
30
![Page 32: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/32.jpg)
Annual Report 2016
31
![Page 33: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/33.jpg)
32
- -
![Page 34: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/34.jpg)
33
Annual Report 2016
- -
![Page 35: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/35.jpg)
34
![Page 36: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/36.jpg)
35
Annual Report 2016
![Page 37: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/37.jpg)
36
•
% % % %
![Page 38: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/38.jpg)
37
Annual Report 2016
c
-
the director.
Marine and
Motor
% % % %
![Page 39: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/39.jpg)
38
4.
![Page 40: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/40.jpg)
Annual Report 2016
39
![Page 41: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/41.jpg)
40
![Page 42: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/42.jpg)
Annual Report 2016
41
![Page 43: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/43.jpg)
42
![Page 44: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/44.jpg)
Annual Report 2016
A
T
.
43
![Page 45: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/45.jpg)
44
-
![Page 46: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/46.jpg)
Annual Report 2016
-
Marine and Motor
45
![Page 47: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/47.jpg)
46
![Page 48: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/48.jpg)
Annual Report 2016
47
Business Operation
Personal accident and health insurance
Miscellaneous insurance
Analysis of Financial Position.Asset Asset Component
Asset Quality Premium receivables (Uncollected premium)
Loans
Investments in securities
![Page 49: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/49.jpg)
48
![Page 50: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/50.jpg)
Annual Report 2016
49
![Page 51: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/51.jpg)
50
![Page 52: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/52.jpg)
Annual Report 2016
51
![Page 53: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/53.jpg)
52
![Page 54: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/54.jpg)
Annual Report 2016
on the other hand.
53
![Page 55: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/55.jpg)
54
![Page 56: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/56.jpg)
Annual Report 2016
55
![Page 57: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/57.jpg)
56
![Page 58: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/58.jpg)
Annual Report 2016
57
![Page 59: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/59.jpg)
58
1.
4.
![Page 60: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/60.jpg)
Annual Report 2016
59
4.
![Page 61: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/61.jpg)
60
![Page 62: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/62.jpg)
Annual Report 2016
61
![Page 63: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/63.jpg)
62
![Page 64: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/64.jpg)
Annual Report 2016
63
![Page 65: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/65.jpg)
64
•
•
•
•
![Page 66: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/66.jpg)
•
•
•
•
Annual Report 2016
65
![Page 67: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/67.jpg)
66
![Page 68: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/68.jpg)
67
Annual Report 2016
![Page 69: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/69.jpg)
68
2559
2558
2558
![Page 70: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/70.jpg)
Statements of financial positionAnnual Report 2016
69
Assets
Total assets
2016
2015
2015Note
![Page 71: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/71.jpg)
70
2559
2558
2558
![Page 72: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/72.jpg)
Annual Report 2016
71
Statements of financial position
Liabilities and equity
Liabilities
Total liabilities
2016
2015
2015Note
(
![Page 73: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/73.jpg)
72
2559
2558
2558
![Page 74: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/74.jpg)
Annual Report 2016
73
Statements of financial position
Equity
Total equity
Total liabilities and equity
2016
2015
2015 Note
(
![Page 75: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/75.jpg)
74
2559
2558
![Page 76: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/76.jpg)
Annual Report 2016
75
Statements of comprehensive income
Income
Total income
Expenses
Total expenses
Profit before income tax
Profit for the year
2016
2015 Note
![Page 77: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/77.jpg)
76
2559
2558
![Page 78: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/78.jpg)
Annual Report 2016
77
Statements of comprehensive income
Total comprehensive income for the year
Earnings per share
2016
2015 Note
![Page 79: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/79.jpg)
78
![Page 80: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/80.jpg)
Annual Report 2016
79
Statements of changes in equity
Bala
nce
as a
t 1 J
anua
ry 2
015
Prof
it fo
r the
yea
r
Bala
nce
as a
t 1 J
anua
ry 2
016
Prof
it fo
r the
yea
r
Othe
r com
preh
ensiv
e in
com
e fo
r the
yea
r
Tota
l com
preh
ensiv
e in
com
e fo
r the
yea
r
![Page 81: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/81.jpg)
82
![Page 82: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/82.jpg)
Notes to financial statementsAnnual Report 2016
83
1. General information
2. Basis for preparation of the financial statements
3. New financial reporting standards 3.1 Financial reporting standards that became effective in the current year accounting g
![Page 83: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/83.jpg)
84
![Page 84: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/84.jpg)
Annual Report 2016
85
Notes to financial statements
3.2 Financial reporting standard that will become effective in the future
Premium income consists of direct premium and reinsurance premium less premium of canceled policies and premiums refunded to
Interest income on loan
![Page 85: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/85.jpg)
86
![Page 86: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/86.jpg)
Annual Report 2016
87
Notes to financial statements
![Page 87: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/87.jpg)
88
![Page 88: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/88.jpg)
89
Notes to financial statements
Premium receivables and allowance for doubtful accounts
l acc
![Page 89: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/89.jpg)
90
![Page 90: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/90.jpg)
91
Notes to financial statements
![Page 91: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/91.jpg)
92
![Page 92: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/92.jpg)
93
Notes to financial statements
shall
f
be
Short-term employee benefits
Others
![Page 93: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/93.jpg)
94
![Page 94: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/94.jpg)
Notes to financial statements
Post-employment benefits Defined contribution plans
Defined benefit plans
Provisions
rental
95
![Page 95: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/95.jpg)
96
![Page 96: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/96.jpg)
Notes to financial statements
97
![Page 97: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/97.jpg)
98
![Page 98: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/98.jpg)
Notes to financial statements
estimates
t of
to
99
![Page 99: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/99.jpg)
100
![Page 100: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/100.jpg)
Annual Report 2016
101
Notes to financial statements
maturity
Cash on hand
![Page 101: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/101.jpg)
102
-
-
-
-
-
-
-
-
![Page 102: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/102.jpg)
Annual Report 2016
103
Notes to financial statements
Total
Total amounts due from reinsurers
Warrants Total
Total available-for-sale investments Held-to-maturity investments
Total held-to-maturity investments Other investments
Total other investments Total investments in securities
-
-
-
-
![Page 103: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/103.jpg)
-
-
-
- -
104
![Page 104: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/104.jpg)
Total
TotalHeld-to-maturity investments
TotalTotal investments in debt securities, net
Annual Report 2016
105
Total
TotalHeld-to-maturity investments
TotalTotal investments in debt securities, net
TotalPeriod to maturity
TotalPeriod to maturity
-
-
-
- -
![Page 105: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/105.jpg)
106
![Page 106: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/106.jpg)
Annual Report 2016
107
Notes to financial statements
Changes during the year
Interest income from debt securities
Total
![Page 107: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/107.jpg)
108
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
![Page 108: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/108.jpg)
Annual Report 2016
111
PrincipalOutstanding year Principal
Total loans
Disposals
Write - off
Depreciation for the year
Depreciation for the year
Depreciation on disposals
Depreciation for the year
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Land
equipmentprogress Total
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
109
Notes to financial statements
![Page 109: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/109.jpg)
112
-----
-
-
-
-
110
![Page 110: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/110.jpg)
Annual Report 2016
111
-----
-
-
Total
Total
- -
recognised in profit or loss for the years
Notes to financial statements
![Page 111: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/111.jpg)
112
![Page 112: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/112.jpg)
Annual Report 2016
113
Total
Notes to financial statements
![Page 113: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/113.jpg)
114
![Page 114: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/114.jpg)
Annual Report 2016
115
- Claims incurred and reported - Claims incurred but not reported
Total
Insurance
contract liabilitiesLiabilities
on reinsurance
Insurance contract liabilities
Liabilities on reinsurance
- Claims incurred and reported - Claims incurred but not reported
Total
Liabilitieson reinsurance
LiabilitiesInsurancecontract liabilities
Insurance
For the years ended 31 December
Notes to financial statements
![Page 115: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/115.jpg)
116
![Page 116: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/116.jpg)
Annual Report 2016
117
Incu
rred
and
agre
ed c
laim
s pa
yabl
e
Tota
l
Notes to financial statements
![Page 117: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/117.jpg)
118
![Page 118: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/118.jpg)
Annual Report 2016
Incu
rred
and
agre
ed c
laim
s pa
yabl
e
Tota
l
Notes to financial statements
119
![Page 119: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/119.jpg)
120
![Page 120: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/120.jpg)
Annual Report 2016Notes to financial statements
For the years ended 31 December
Premium earned for the current year
Total due to reinsurers
121
![Page 121: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/121.jpg)
122
![Page 122: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/122.jpg)
Annual Report 2016
Interest cost
Demographic assumptions changes
Notes to financial statements
Discount rate
123
![Page 123: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/123.jpg)
124
![Page 124: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/124.jpg)
Annual Report 2016
125
Notes to financial statements
Discount rate
Discount rate
![Page 125: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/125.jpg)
126
![Page 126: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/126.jpg)
Annual Report 2016
127
Notes to financial statements
21. Provident fund
23. Dividend paid
Transactions with related companiesTransfer pricing policy
Balances with related party
![Page 127: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/127.jpg)
128
- -
![Page 128: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/128.jpg)
00
Annual Report 2016
129
Notes to financial statements
Directors and management’s benefits
Total
Deposits at financial institutions
Cost Cost
- -
For the years ended 31 December
Contribution during the year
![Page 129: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/129.jpg)
130
•
![Page 130: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/130.jpg)
Annual Report 2016
00131
Notes to financial statements
•
operating
to reinsurers
from prior year
Total underwriting income
from reinsurers
Other income
Profit from investments segment
transportation TotalPersonal accident
and health
![Page 131: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/131.jpg)
132
![Page 132: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/132.jpg)
Annual Report 2016
00133
Notes to financial statements
to reinsurers
from prior year
Total underwriting income
from reinsurers
Other income
Profit from investments segment
transportation TotalPersonal accident
and health
Geographic information
![Page 133: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/133.jpg)
134
![Page 134: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/134.jpg)
Annual Report 2016
00135
Notes to financial statements
systems
![Page 135: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/135.jpg)
-
136
![Page 136: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/136.jpg)
Annual Report 2016
00
Notes to financial statements
Personal accident and health
Total
Personal accident and health
Total
-
change
Loss ratioLoss ratio
in gross claim liabilities
in net claim liabilities
Increase
in equity
137
![Page 137: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/137.jpg)
138
![Page 138: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/138.jpg)
Annual Report 2016
00
Notes to financial statements
I
139
![Page 139: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/139.jpg)
--
--
-
--
--
--
-
--
--
--
--
--
-
--
--
-
--
-
--
-
--
--
--
--
-
--
--
--
--
--
--
--
--
--
-
--
--
-
--
-
--
-
--
--
140
![Page 140: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/140.jpg)
Annual Report 2016
00
Financial assets
LoansFinancial liabilitiesInsurance contract liabilities
and outstanding claimsDue to reinsurers
The repricing period or maturity date
Withininterest rate bearingyears
TotalInterest rate
Financial assets
LoansFinancial liabilitiesInsurance contract liabilities
outstanding claimsDue to reinsurers
--
--
-
--
--
--
--
--
--
--
--
--
-
--
--
-
--
-
--
-
--
--
The repricing period or maturity date
Withinyears
TotalInterest rate
Notes to financial statements
interest rate bearing
141
--
--
-
--
--
--
-
--
--
--
--
--
-
--
--
-
--
-
--
-
--
--
![Page 141: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/141.jpg)
142
-
--
-
--
-
-
--
-
-
--
--
-
--
--
--
-
--
-
--
-
--
-
-
--
-
-
--
--
-
--
--
--
-
--
![Page 142: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/142.jpg)
00143
Annual Report 2016Notes to financial statements
Financial assets
LoansFinancial liabilitiesInsurance contract
and outstanding claimsDue to reinsurers
Total
Financial assets
LoansFinancial liabilitiesInsurance contract
and outstanding claimsDue to reinsurers
Total
-
--
-
--
-
-
--
-
-
--
--
-
--
--
--
-
--
-
--
-
--
-
-
--
-
-
--
--
-
--
--
--
-
--
![Page 143: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/143.jpg)
144
-
---
-
--
--
-
---
--
----
--
--
-
---
-
--
--
-
---
--
----
--
--
![Page 144: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/144.jpg)
00145
Annual Report 2016Notes to financial statements
Debt instruments
Debt instruments
LoansFinancial liabilities which fair value are disclosedInsurance contract liabilities - claims
Due to reinsurers
-
---
-
--
--
Total
-
---
--
----
--
--
Debt instruments
Debt instruments
LoansFinancial liabilities which fair value are disclosedInsurance contract liabilities - claims
Due to reinsurers
-
---
-
--
--
Total
-
---
--
----
--
--
![Page 145: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/145.jpg)
146
![Page 146: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/146.jpg)
00147
Annual Report 2016Notes to financial statements
announced
31. Reclassification
![Page 147: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/147.jpg)
148
-
-
-
-
-
-
-
-
-
![Page 148: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/148.jpg)
00149
Annual Report 2016Notes to financial statements
Statements of financial position
Other assets - others
Other liabilities - others
Statements of comprehensive income
Revenues
Premium ceded to reinsurers
Contribution to the Office of Insurance Commission
-
-
-
-
-
-
-
-
-
![Page 149: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/149.jpg)
![Page 150: 6& 6 '4 7 SVVZ¸‚้อมูลรายงาน... · .'< 15 '6. + 6 6'a è 9i.7 5g ý ú ù gk/=lda3d:l8 ?g" w1l ú gk/=le;r3waÿ](https://reader034.vdocument.in/reader034/viewer/2022051917/600995618d73a4783c68d95f/html5/thumbnails/150.jpg)