hmpro: annual report 2009 (thai)
DESCRIPTION
Annual Report 2009TRANSCRIPT
Sustainable GrowthHomePro 2552
Total HOME Solution
2 -
2
+497 .
20,329 +9.6%
1,143 +19%
18,540
15,944
14,224
20,3292552
2551
2550
2549
959
710
601
1,1432552
2551
2550
2549
13,369
12,274
11,814
13,8662552
2551
2550
2549
33
30
26
352552
2551
2550
2549
35
60,000
Total Home Solution 1
2 3 11 14 15 17 20 21 22 37 43 44 44 47 52 53 55 56
( )
2552 2551
2552
25522.3%
2552 9.65% 19.12% 5.1%
HomePro EXPO
2553
5,000
“
”
Total Home Solution2
( )
2.3% 2552
9.65%
19.12%
HomePro EXPO
2552 2 -
2 2
2552 35
2553 4-5
HomePro EXPO
2
2553
Home Service 3 3D Design
HomeCare
HomeCard
E-Commerce
2552
/
12 49 526
(HAS)
1 3
“
”
Total Home Solution 3
Home Care
3
Installation Service / /
Maintenance Service
Home Improvement Service
3D Design
We SERVEour customersHome Service
Total Home Solution4
HomeCard
CRM
(Customer Relation Management)
HomeCard
Happy Home Rewards
Work shop
2552
300,000
Total Home Solution 5
We DRIVEour businessStore Expansion
2552
2 -
2 HomePro
Village
2
35
Private Brand Products
Private Brand 14
1,000
Total Home Solution6
HomePro Expo 9-10
HomePro Expo 9
10 1,000
300
HomePro Champion 3 HomePro
Expo 10
Home Improvement
Total Home Solution 7
2552
49
526 12
HAS (Healthy, Accessibility
and Safety)
We SERVEour community
“ ”
100,000
3
( )
2552
7 . .
Awareness of being the Good Citizen
Total Home Solution8
We VALUEour employee
2552
The Heart of the Company
Total Home Solution 9
Total HOME Solution
Total Home Solution10
( ) 27 2538 150
30 2544
“ ” (HomePro)
2539 31 2552
35 17 18
2552 2 -
( )
96/27 9 11000
02-832-1000
02-832-1400
Website www.homepro.co.th
.665
3,794,213,851
3,703,926,216
. 10
234/1 77110
032-61-8888
032-61-8800
50,000 100
49,993
Total Home Solution 11
1. 161/2 2 . . . . 12130
2. 6/1 6 . - . . . 11140
3. 587, 589 . . 10230
4. 295 . 3 . 10120
5. 61 . . 10260
6. 275 1 . . 10160
7. 1242/2 . . . . 30000
8. 125 . . 10320
9. 55 . . 10330
10. 104 5 . . . . 83000
11. 94 4 . - . . . 50000
12. 647/19 . ( 3)
. 10240
13. 2 45/581 6 . 2 . 10150
14. 96/27 9 . . . 11000
15. 669 . . 10900
16. 333 9 . . . 20260
17. 113 5 . . . 11120
18. 677 . . . . 90110
19. 82 2 . . . 11130
20. ( ) 99/28 1 . . . 10540
21. 234/1 . . . . 77110
22. 1/7 6 . . . 84320
23. 959 10 . . . 65000
24. 177/98 17 . . . 40000
25. 89/20 9 . . . . 41000
26. 9/1 3 . . . . 84000
27. 28 11 . . 10160
28. 15/16 3 . . . 20000
29. 14/12 8 . 10310
30. 560 . . . . 21000
31. 80 2 . . . 13160
32. - 433/4-5 7 . . . 50100
33. 349 11 . . . 81000
34. - 61/10 10 . . . 83130
35. 288 11 . . . 30130
Total Home Solution12
( ) 1/2548
( ) 9 10900
02-230-6295 02-230-6093
( ) 1/2551
( ) 2/2551
( ) 3000 10900
02-264-0777 02-264-0789-90
( ) 1/2552
( )44 10330
02-626-7503-4, 02-626-7218 02-626-7542, 02-626-7587
33 193/136-137 10110
02-264-0777 02-264-0789-90
( ) 62 4, 6-7 10110
02-229-2800 02-359-1262-3
Wissen & Co Ltd.8 3801 54 21 ( ) 10110
02-259-2627 02-259-2630
Total Home Solution 13
2552 2551 2550 2552 2551 2550
2552 2551 2550 2552 2551 2550
( : )
13,866.03 13,369.07 12,274.28 13,817.52 13,318.38 12,225.9413,817.52 13,866.03
8,592.59 8,412.86 7,950.81 8,560.19 8,373.62 7,908.43 8,560.19 8,592.59
5,273.44 4,956.21 4,323.48 5,257.32 4,944.76 4,317.50 5,257.32 5,273.44
20,329.12 18,540.27 15,943.28 20,330.43 18,541.73 15,943.9020,330.43 20,329.12
21,799.09 19,824.19 17,015.21 21,710.98 19,743.97 16,934.3021,710.98 21,799.09
( ) 1,142.86 959.42 710.38 1,138.19 953.95 704.78 1,138.19 1,142.86
( ) 0.31 0.50 0.37 0.31 0.49 0.37 0.31 0.31
( )* 1.00 0.35 0.18 1.00 0.35 0.18 1.00 1.00
( )* 3,703.93 1,933.61 1,924.92 3,703.93 1,933.61 1,924.923,703.93 3,703.93
: 29 2552 1/2552 1 / 0.10 / 0.90 / 1,797.62
4 (ESOP 4)
( ) 0.67 0.62 0.56 0.66 0.61 0.55 0.66 0.67
(%) 24.27 23.70 22.96 24.28 23.70 22.97 24.28 24.27
(%) 8.62 7.96 7.20 8.59 7.93 7.17 8.59 8.62
(%) 5.24 4.84 4.17 5.24 4.83 4.165.24 5.24
(%) 22.34 20.68 17.41 22.31 20.60 17.2822.31 22.34
(%) 8.39 7.48 5.90 8.39 7.47 5.888.39 8.39
( ) 1.63 1.70 1.84 1.63 1.69 1.83 1.63 1.63
( ) 27.60 22.37 12.36 27.14 21.91 12.1927.14 27.60
Total Home Solution14
1.
2.
3.
4.
5.
( )
(One Stop Shopping Home Center)
“ ” (HomePro)
1. 3
“ ”
(HomeCare)
DIY
(Do It Yourself) Workshop
2. “
” (HomePro Village)
31 2552 3
-
Hard Line 1 Hard Line 2 Soft Line
Total Home Solution 15
26 2548 234/1 . . .
. ( ) 99.99
5 .
“ ” (Hua-Hin Market Village)
2549
2552 2551 2550 % % %
( : )
1.
• Hard Line 1 8,604.1 39.5 7,782.2 39.3 6,792.3 39.9
• Hard Line 2 8,123.0 37.3 7,520.9 37.9 6,395.8 37.6
• Soft Line 3,428.9 15.7 2,998.9 15.1 2,502.5 14.7
2. 1 173.1 0.8 238.3 1.2 252.7 1.5
20,329.1 93.3 18,540.3 93.5 15,943.3 93.7
3. 2 1,470.0 6.7 1,283.9 6.5 1,071.9 6.3
21,799.1 100.0 19,824.2 100.0 17,015.2 100.0
1. 2.
1.
800
2. Private Brand House Brand
Total Home Solution16
1.
• (HomeWorks)
(Central Retail Corporation) 9
• (Global House)
.
8
(Modern Trade)
2. (Specialty Store)
•
•
•
•
3. Hyper Market
1. 2551
2009 2552
3
2552
Total Home Solution 17
1.1 31 2552 31 2551 31 2550 2,905.14
2,728.08 2,547.57 66 67
74
2549 31
2552 40,000
1.2 31 2552 35 2552
2 -
1.3
(Loss Prevention)
1.4 2
2552 99.2
2551 2550 98.7 98.4
31 2552 31 2551 31 2550 143.18
160.63 164.37 65.55 34.06
48.13 14.40 25.64
20.79
Total Home Solution18
2.
Modern trade
3.
1. 16 2549
2. . . . . . 2549
/ . . .
. . 2542 8
1.
2.
3.
4.
5. (Coercion to Purchase)
6. /
7. / (Private Brand)
(House Brand)
8.
8 (Modern Trade)
3. . . .
.
4. . . . 2542 2553
Total Home Solution 19
/
–
10 15 2552 1,946,682,237
1. ( ) 584,594,145 30.03584,594,145
2. ( ) 412,244,774 21.18412,244,774
3. 97,842,182 5.0397,842,182
4. 93,863,150 4.8293,863,150
5. 69,124,269 3.5569,124,269
6. 61,119,372 3.1461,119,372
7. SOMERS (UK) LIMITED 50,365,000 2.5950,365,000
8. HSBC (Singapore) Nominees PTE Limited 46,026,580 2.3646,026,580
9. 26,564,049 1.3626,564,049
10. 25,309,174 1.3025,309,174
11. 479,629,542 24.64479,629,542
30
30 2552 17
20
1. .
2. .
3. .
4. .
5. .
27 2552
Total Home Solution20
Hard Line
Soft Line
Home Electric Product
Total Home Solution 21
: 1. 10/2552 17 25522. -
1. 5.
2. 6.
3. 7.
4.
1.
2.
3.
–
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
3
1. 12 4 1
7
Total Home Solution22
4.
5.
6.
7.
8.
• ( .)
( .)
• 3
• 50
9.
“ ”
1. 1
2.
2
3.
4.
5.
6.
7.
Total Home Solution 23
1 3
1.
2.
3. 68 . .2535
4. 76 . . 2535
5.
2. 3
2.1
1.
2.
3.
4.
1.
2.
1.
1.1
1.2
1.3
1.4
1.5
2. 30
3.
–
Total Home Solution
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
( 4 ) . .2551
30
15.
16.
1.
2.
3.
2.2
: –
–
Total Home Solution
16.1
16.2
16.3
16.4
16.5
16.6
16.7
16.8
1. 3
2.
3.
3.1
3.2
3.3
3.4
3.5
3.6
4. 30
5.
–
2.
3.
: –
Total Home Solution26
2.3
1.
2.
3.
4.
5. 3 4
6.
7. 1
(Employee Stock Option Plan)
8.
1.
1.1
1.2
1.3
1.4
1.5
2. 30
3.
1.
2. 1.
3.
Total Home Solution 27
2552 4 1. 2. 3.
4.
4 . . 2535
2552
7/2544 21 2544
9/2544 16 2544
1.
2.
3.
4.
•
•
•
20 2551
” ( 4) . . 2551”
26 2551
1.
2.
Total Home Solution28
3.
•
•
•
4.
5.
3.
–
1.
2.
3. Hard Line
4. . . Soft Line
5. . .
6.
7.
8. . . Home Electric Product
9.
10.
11.
12. . .
Total Home Solution 29
59
- MBA
0.15
-
2538
-.
Hom
e ce
nter
M.S. I
ndus
tria
l Eng
inee
ring,
2548
-
- Illinois In
stitu
te of T
echn
olog
y, U
SA
(
)
- (
)
2547
-
.-
2537
-.
-
. (IO
D)
2528
-.
DCP
Prog
ram
25
47
2526
-.
62
- M.S. i
n Bu
sine
ss A
d., F
ort H
ays Ka
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-
- 25
44 -
.Ho
me
cent
er
Stat
e Un
iversit
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ys, K
ansa
s, U
SA.
-
2552
-.
2549
-
.
-
25
48 -
(IO
D)
()
DAP
Prog
ram
254
6
.-
(IOD)
25
44 -
.DC
P Pr
ogra
m
2548
. .
. (
)
60
- MBA
0.03
-
2538
-.
Hom
e ce
nter
- BS
.ARC
H, F.E.U
., Ph
ilipp
ines
25
49 -
.
- BS
.CE, F.E.U
., Ph
ilipp
ines
25
47 - 255
3 .
--
25
40 -
. .
. (
) (IOD)
.
DCP
Prog
ram
25
51
2538
-.
..
2536
- 255
3.
2536
-. .
2535
-
..
.
3
1 25
52
-
/
(%)
5
/
**
5
2
**
2
6
**
1
2
**
5
7
52
- MBA
, Unive
rsity
of S
outh
ern
Califor
nia
- -
2544
-.
Hom
e ce
nter
- (IO
D)
2542
-
. (
)
**DA
P Pr
ogra
m 254
7
.(
)
Total Home Solution30
54
- MBA
-
- 25
46 -
. Ho
me
cent
er-
25
48 -
(IOD)
(
) D
CP
Prog
ram
25
50
2546
-
.
- .
..
(IO
D)
2543
-
.DA
P Pr
ogra
m 254
7
.
..
.
.
64
-
3.14
-
2543
-.
Hom
e ce
nter
-
2547
-
. (Man
agem
ent S
ervice
) (IO
D)
2546
-
. H
oldi
ngDA
P Pr
ogra
m 254
7
25
45 -
. (
).
()
2544
-
. H
oldi
ng.
Holdi
ng
254 3
-.
51
- MBA
-
- 25
38 -
. Ho
me
cent
er
- (
)
25
48 -
()
-
25
45 -
.(IOD)
253
8 -
. D
CP
Prog
ram
254
8
.
-
25
38 - 254
7.
()
(IOD)
2537
-
.DA
P Pr
ogra
m 254
7
25
37 -
.
52
- MBA
1.39
-
2538
-.
Hom
e ce
nter
- (IOD)
DCP
Prog
ram
254
4
3
1 25
52
-
/
(%)
5
/
**
2
7
**
1
16
**
4
10
**
.
Total Home Solution 31
82
- 0.22
-
2538
-
. H
ome
cent
er
25
43 -
.
2539
-.
–.
2537
-. . .
2533
-.
2533
- 255
2 .
75
-
-
- 25
44 -
. H
ome
cent
er
-
2539
- 255
2 To
kyo
Leas
ing
Lea
sing
(IOD)
D
AP P
rogr
am
2547
64
-
- -
2544
-.
Hom
e ce
nter
-
2532
-.
(IOD)
DAP
Pro
gram
25
47
62
- MBA
, For
t Hay
s Stat
e Un
iver
sity
- -
2548
-.
Hom
e ce
nter
Ka
nsas
, USA
.
-
2545
- 255
2 .
(IO
D)
DCP
Prog
ram
25
45
.-
25
46 -
. (IO
D)
RC
M P
rogr
am
254
5
25
39 - 255
2.
2529
-.
3
1 255
2
-
/
(%)
5
/
**
7
5
**
1
1
**
3
**
.
Total Home Solution32
45
MBA
Geo
rgia Sta
te U
nive
rsity
, USA
. 0.08
-
2545
-
.Ho
me
cent
er
46
MBA
0.13
-
2545
-
.Ho
me
cent
er
50
0.06
-
2546
-
.Ho
me
cent
er
49
0.27
-
2543
-
.Ho
me
cent
er
47
0.02
-
.. 2
548 -
.Ho
me
cent
er
25
44 -
.. 2
548
Dire
ctor
So
lutio
n De
liver
y Com
pute
r Con
sulti
ng
54
0.04
-
2547
-
.Ho
me
cent
er
51
0.08
-
.. 2
550 -
.Ho
me
cent
er
25
48 - 255
0
25
45 - 254
8
49
MBA
0.07
-
2549
-.
Hom
e ce
nter
25
42 - 254
8 -
51
0.01
-.
. 255
0 -
.Ho
me
cent
er
25
49 -
.. 2
550
GM - C
ontrac
t Log
istics
DHL Ex
el Sup
ply Cha
in Tha
iland
2548
GM - C
ontrac
t Log
istics
. (
)
2545
- 254
7 Ope
ratio
n & IT Di
rector
.
()
45
0.01
- 25
50 -
.Ho
me
cent
er
2549
- 255
0 SA
P M
anag
er
.-
2548
Pr
ojec
t Man
ager
(IT
)
25
47 - 254
8 SA
P Con
sulta
nt &
Tra
iner
-
Softw
are
25
45 - 254
7 Se
rvice
Man
ager
.
()
45
MBA
0.05
-
..254
8 -
.Ho
me
cent
er
25
47 -
.. 2
548
.
3
1 25
52
-
/
(%)
5
/
Total Home Solution 33
1.
1
– . . ( )
1. -
2. -
3. -
4. -
5. -
6. -
7. -
8.
9. -
10. -
11. -
12. -
13.
14. -
15. . . -
16. . . -
17. -
18.
19. . . -
20. -
21. -
22. -
23. . .
Total Home Solution34
8 2552 2552 12
7 2552
1. • 70,000 / /
• 35,000 / /
2.
• 25,000 / /
• 15,000 / /
– ( )
1. - - - 1,076,923 1,115,000 2,191,9231,076,923
2. 180,000 - 100,000 538,462 615,000 1,433,462538,462
3. - - - 538,462 615,000 1,153,462538,462
4. 1 - - 45,000 538,462 615,000 1,198,462538,462
5. - - - 538,462 615,000 1,153,462538,462
6. 300,000 - - 538,462 600,000 1,438,462538,462
7. 165,000 - - 538,462 600,000 1,303,462538,462
8. 2 180,000 - - 538,462 615,000 1,333,462538,462
9. - - - 538,462 540,000 1,078,462538,462
10. - 300,000 - 538,462 615,000 1,453,462538,462
11. 615,000 - 165,000 - 538,462 1,318,462538,462
12. 600,000 - 180,000 60,000 538,462 1,378,462538,462
7,760,000 825,000 645,000 205,000 7,000,000 16,435,000 7,000,000
: 1. .. 2552 ( )
2.
Total Home Solution 35
2.
12 2551 2552
45.2 50.3.
2550 - 2552
:
31 2552 5,269
1,437
31 . . 2552 31 . . 2551 31 . . 2550
1,420 1,232 1,174
3,849 3,662 2,838
( ) 5,269 4,894 4,012
36 35 32
Total Home Solution36
www.homepro.co.th/ir/investor_th.html
1.
•
12 2551 30 2552
•
7
•
2552
•
•
14
2.
•
. . 2535
•
59 . . 2535
•
1 E-mail
Total Home Solution 37
3. “ ”
www.homepro.co.th/ir/investor_th.html
•
•
. . .
. . 2549 /
. . . . . 2542
1.
2.
3.
• 2%
• DIY workshop
Total Home Solution38
• Learning Center
• Individual Development Program Talent Group
•
4. E-mail
1.
2.
3.
www.homepro.co.th/cs/ccm.asp
1. Internet
2552 7 . .
2. 526 49 12
HAS (Healthy, Accessibility and Safety)
3. “ ” 2552
100,000 3 ( )
Total Home Solution 39
56-1
webcast
4 2552
2552
44 (Conference Call)
11
2552 Conference Road show
2
2
2551 2552
6 2552 (Press Release)
3 Money
Channel
4.
. 02-832-1416 E-mail: [email protected]
Total Home Solution40
5. 12
1. 4
2. 4
3. 4 3
“ 9 ”
2552
7
2552 13
12 12
4
Total Home Solution 41
–
/
1. 11 / 13
2. 8 / 13
3. 13 / 13 12 / 12 4 / 4
4. 13 / 13
5. 13 / 13 3 / 4
6. 13 / 13
7. 12 / 13 12 / 12
8. 12 / 13 11 / 12
9. 13 / 13 12 / 12
10. 13 / 13 12 / 12
11. 13 / 13 11 / 12
12. 12 / 13 12 / 12 4 / 4
2
2552
4172 2552
Total Home Solution42
4 2553
1.
(Code of Conduct)
2.
2
3.
4.
7
( )
5.
4172
31 2552
Total Home Solution 43
40
2550 - 2552
: 1. 1,938,146,860 1,988,546,860 2550 4 2550
2. 27 2552 1 / 0.10 / 0.90 /
1/2552
2552 ( /
)
31 2552 2551
/ ( ) 31 . . 52 31 . . 51
1. .• 3,755 10,460
30.03 15 . . 2552 432 2,261 • 2 1. 2.
2. .• 617 871
21.18 15 . . 2552 142 66• 4
1. 2.
3. 4.
0.181 0.35 1.002
2550 2551 2552
Total Home Solution44
/ ( ) 31 . . 52 31 . . 51
3. • 1,809 1,647
1. . 677,977 435,1402. .
• 1.
2. 3.
4.
5. • 1. . 2. .
4. .
• ..
. 31.41 24.33
7 . . 52• 4
1.2.
3.4.
1,4113
162
5,3296
2,264
17,9181,3023,000
18,5751,3073,000
Total Home Solution 45
/.
. .
Total Home Solution46
2551
2009 3
2552
2552
2552
HomePro Expo
31 2552 2551
1. 2552 20,329.12 1,788.84
9.65
2551 2552 HomePro Expo 1 4
2. 2552 1,469.97 186.06
14.49
• 74.12
HomePro Expo 9 - 10
• 111.94
3. 2552 15,395.07 1,248.34
8.82
4,936.10 540.87 24.28
23.71
House Brand
Total Home Solution 47
4. 2552 4,650.29 458.39
10.94 22.61 22.88
• 3,787.03
404.91
• 801.17 21.69
• 62.10 31.79
5. 2552 113.13 21.28 15.83
0.72 0.56
6. 2552 1,142.86 183.44
19.12
5.17 5.62
7. 31 2552 2551
22.34 20.68 2552
31 2552 31 2551
1. 31 2552 13,866.03
496.96 3.72
• 242.54
• - 177.06
2553
• - - - 59.37
0.68 2552 2553
• 17.99
Total Home Solution48
31 2552 128.79
6,20 4.59
31 2552 12
5.07 2540
31 2551 31 2552
25.64 14.40
2. 31 2552 8,592.59 179.73
2.14
• 124.82
• 519.73
• - 360 500
1/2552 300 1
160
• 144.82
3. 31 2552 5,273.44 317.23
6.40
• 1,752.01 2552
3 4 18.30
• 27.51
• 1,480.60 2552
126.26 127.42 123.87 125.32123.87 126.26
• 6 11.80 16.66 9.52 14.059.52 11.80
• 6 - 12 0.04 0.01 - 0.01- 0.04
• 12 5.07 16.52 5.07 16.525.07 5.07
143.18 160.63 138.47 155.91138.47 143.18
31 . . 2552 31 . . 2551 31 . . 2552 31 . . 2551
( : )
Total Home Solution 49
4. 31 2552 8,592.59
5,273.43 1.63
1.70
31 2552 2551
2,454.23 2,263.24 2,445.17 2,243.582,445.17 2,454.23
(900.96) (1,279.21) (899.96) (1,278.02)(899.96) (900.96)
(1,310.73) (615.32) (1,300.73) (605.32)(1,300.73) (1,310.73)
( ) 242.54 368.71 244.48 360.24244.48 242.54
2552 2551 2552 2551
( : )
31 2552 846.33
31 2551 242.54
1. 2,454.23 1,142.86
914.90
519.66 86.08
86.28 236.28
59.27
2. 900.96
2552 867.77 23.85 9.35
2
3. 1,310.73 300
45.82
660 124.82 871.45
31 2552 4,301.10
6,441.69 0.67 0.05
31 2550 2551 2552 0.56 0.62
0.67
Total Home Solution50
2552
2552 2,400,000
2552
2,400,000 100,000 2,500,000
Total Home Solution 51
( )
. . 2535 . . 2535
14 . . 2544
( ) ( )
Total Home Solution52
3
2552
13
2552
1.
2. -
3.
4.
5. 4
6.
2552
7.
Total Home Solution 53
8.
9.
1.
2.
3.
4.
5.
6.
( )
Total Home Solution54
( )
31 2552 2551
( )
( )
31 2552 2551
( )
( )
( ) 4172
Total Home Solution 55
2552 25522551 2551
31 2552 2551
( : )
9 846,330,829 603,788,150 824,376,948 579,894,685 9 846,330,829 824,376,948
- 6, 9 128,785,030 134,983,014 124,066,652 130,267,530 6, 9 128,785,030 124,066,652
- 7 2,905,138,033 2,728,078,526 2,905,138,033 2,728,078,5267 2,905,138,033 2,905,138,033
303,776 11,263,216 - 11,263,216 303,776 -
9 356,794,276 297,520,307 359,048,810 304,448,5569 356,794,276 359,048,810
63,747,426 70,844,841 58,154,929 58,369,602 63,747,426 58,154,929
4,301,099,370 3,846,478,054 4,270,785,372 3,812,322,115 4,301,099,370 4,270,785,372
8 - - 4,999,300 4,999,3008 - 4,999,300
- 10 8,710,587,478 8,613,170,787 8,703,030,061 8,602,413,768 10 8,710,587,478 8,703,030,061
- 11 92,115,899 130,162,250 92,110,169 130,155,574 11 92,115,899 92,110,169
- 12 702,999,498 722,963,659 702,999,498 722,963,65912 702,999,498 702,999,498
4,174,122 4,174,122 4,174,122 4,174,122 4,174,122 4,174,122
9 37,821,322 38,390,882 37,821,322 38,390,8829 37,821,322 37,821,322
17,230,349 13,731,996 1,595,201 2,964,574 17,230,349 1,595,201
9,564,928,668 9,522,593,696 9,546,729,673 9,506,061,879 9,564,928,668 9,546,729,673
13,866,028,038 13,369,071,750 13,817,515,045 13,318,383,994 13,866,028,038 13,817,515,045
Total Home Solution56
2552 25522551 2551
( ) 31 2552 2551
( : )
13 - 124,823,805 - 124,823,80513 - -
9 4,216,890,094 3,697,157,646 4,211,189,025 3,692,452,199 9 4,216,890,094 4,211,189,025
14 3,539,452 9,295,721 3,539,452 9,295,72114 3,539,452 3,539,452
9 - - 70,000,000 60,000,000 9 - 70,000,000
15 160,000,000 660,000,000 160,000,000 660,000,00015 160,000,000 160,000,000
16 486,240,000 300,000,000 486,240,000 300,000,000 16 486,240,000 486,240,000
119,219,458 113,838,115 119,219,458 113,838,115 119,219,458 119,219,458
365,409,521 317,074,342 347,968,716 301,203,104 365,409,521 347,968,716
247,190,722 166,962,762 247,190,722 166,962,762 247,190,722 247,190,722
423,897,463 443,928,321 423,897,463 443,928,321 423,897,463 423,897,463
9 197,239,903 198,309,742 191,781,208 187,111,688 9 197,239,903 191,781,208
222,061,646 172,159,971 220,158,336 170,512,521 222,061,646 220,158,336
6,441,688,259 6,203,550,425 6,481,184,380 6,230,128,236 6,441,688,259 6,481,184,380
-
14 5,635,594 5,470,378 5,635,594 5,470,37814 5,635,594 5,635,594
-
15 1,030,000,000 890,000,000 1,030,000,000 890,000,00015 1,030,000,000 1,030,000,000
-
16 494,080,000 675,000,000 494,080,000 675,000,00016 494,080,000 494,080,000
26.2 521,145,727 542,793,413 521,145,727 542,793,41326.2 521,145,727 521,145,727
100,042,095 96,046,295 28,144,671 30,228,946 100,042,095 28,144,671
2,150,903,416 2,209,310,086 2,079,005,992 2,143,492,737 2,150,903,416 2,079,005,992
8,592,591,675 8,412,860,511 8,560,190,372 8,373,620,973 8,592,591,675 8,560,190,372
Total Home Solution 57
2552 25522551 2551
( ) 31 2552 2551
( : )
17, 18 17, 18
3,794,213,851
1
(2551: 1,986,468,146
1 ) 3,794,213,851 1,986,468,146 3,794,213,851 3,794,213,851 1,986,468,146
3,703,926,216
1
(2551: 1,933,610,600
1 ) 3,703,926,216 1,933,610,600 3,703,926,216 1,933,610,600 3,703,926,216 3,703,926,216
594,317,420 566,804,398 594,317,420 566,804,398 594,317,420 594,317,420
- 19 235,400,000 178,400,000 235,400,000 178,400,00019 235,400,000 235,400,000
739,789,772 2,277,393,938 723,681,037 2,265,948,023 739,789,772 723,681,037
5,273,433,408 4,956,208,936 5,257,324,673 4,944,763,021 5,273,433,408 5,257,324,673
2,955 2,303 - - 2,955 -
5,273,436,363 4,956,211,239 5,257,324,673 4,944,763,021 5,273,436,363 5,257,324,673
13,866,028,038 13,369,071,750 13,817,515,045 13,318,383,994 13,866,028,038 13,817,515,045
Total Home Solution58
2552 25522551 2551
31 2552 2551
( : )
20,329,115,960 18,540,272,456 20,330,434,724 18,541,729,82920,329,115,960 20,330,434,724
684,236,990 610,121,551 572,842,217 506,108,373684,236,990 572,842,217
785,735,252 673,791,205 807,702,375 696,128,323785,735,252 807,702,375
21,799,088,202 19,824,185,212 21,710,979,316 19,743,966,52521,799,088,202 21,710,979,316
15,395,071,205 14,146,727,776 15,395,071,205 14,146,727,77615,395,071,205 15,395,071,205
3,787,026,062 3,382,111,383 3,708,317,086 3,313,373,5943,787,026,062 3,708,317,086
784,732,881 766,928,902 780,340,879 761,370,598784,732,881 780,340,879
16,435,000 12,550,000 16,435,000 12,550,00016,435,000 16,435,000
62,097,147 30,307,413 62,035,902 30,211,71062,097,147 62,035,902
20,045,362,295 18,338,625,474 19,962,200,072 18,264,233,67820,045,362,295 19,962,200,072
1,753,725,907 1,485,559,738 1,748,779,244 1,479,732,8471,753,725,907 1,748,779,244
(113,129,135) (134,409,118) (114,485,389) (136,022,575)(113,129,135) (114,485,389)
1,640,596,772 1,351,150,620 1,634,293,855 1,343,710,2721,640,596,772 1,634,293,855
(497,738,690) (391,730,900) (496,099,245) (389,764,087)(497,738,690) (496,099,245)
1,142,858,082 959,419,720 1,138,194,610 953,946,1851,142,858,082 1,138,194,610
1,142,857,430 959,418,953 1,138,194,610 953,946,1851,142,857,430 1,138,194,610
652 767652
1,142,858,082 959,419,720 1,142,858,082
0.31 0.26 0.31 0.260.31 0.31
0.31 0.26 0.30 0.260.31 0.30
Total Home Solution 59
2552 25522551 2551
31 2552 2551
( : )
1,640,596,772 1,351,150,620 1,634,293,855 1,343,710,2721,640,596,772 1,634,293,855
( )
804,523,182 728,267,920 800,383,504 724,353,707804,523,182 800,383,504
( ) (11,245,058) 4,857,895 (11,245,058) 4,857,895(11,245,058) (11,245,058)
59,219,925 59,375,259 59,219,925 59,375,25959,219,925 59,219,925
5,410,793 4,635,329 5,349,547 4,539,6265,410,793 5,349,547
57,000,000 20,540,000 57,000,000 20,540,00057,000,000 57,000,000
- 76,352 24,532 76,352 24,53276,352 76,352
110,975,824 124,228,618 112,514,434 125,960,878110,975,824 112,514,434
2,666,557,790 2,293,080,173 2,657,592,559 2,283,362,1692,666,557,790 2,657,592,559
( )
17,443,042 3,740,844 17,445,936 1,408,14517,443,042 17,445,936
(236,279,432) (239,884,909) (236,279,432) (239,884,909)(236,279,432) (236,279,432)
10,959,440 31,740,481 11,263,216 31,740,48110,959,440 11,263,216
569,560 (3,771,896) 569,560 (3,771,896)569,560 569,560
(59,273,969) (61,085,828) (54,600,254) (67,226,679) (59,273,969) (54,600,254)
7,097,415 (8,911,590) 214,673 (18,250,406)7,097,415 214,673
1,369,372 (11,262,914) 1,369,373 (495,492)1,369,372 1,369,373
( )
519,656,096 490,777,954 518,660,474 489,856,495519,656,096 518,660,474
(1,069,839) 44,804,652 4,669,520 39,879,078(1,069,839) 4,669,520
(20,030,858) 56,253,267 (20,030,858) 56,253,267(20,030,858) (20,030,858)
47,375,536 86,805,931 45,805,969 91,420,79947,375,536 45,805,969
49,901,675 84,629,376 49,645,815 84,711,63149,901,675 49,645,815
(21,647,686) (21,610,060) (21,647,686) (21,610,060)(21,647,686) (21,647,686)
3,995,800 2,627,939 (2,084,275) (3,088,855)3,995,800 (2,084,275)
2,986,623,942 2,747,933,420 2,972,594,590 2,724,303,7682,986,623,942 2,972,594,590
(110,016,181) (119,402,301) (111,554,791) (121,134,561) (110,016,181) (111,554,791)
(422,378,455) (365,290,516) (415,871,285) (359,582,436)(422,378,455) (415,871,285)
2,454,229,306 2,263,240,603 2,445,168,514 2,243,586,7712,454,229,306 2,445,168,514
Total Home Solution60
2552 25522551 2551
( ) 31 2552 2551
( : )
(23,846,186) (31,147,714) (23,846,186) (31,147,714) (23,846,186) (23,846,186)
(9,347,368) (236,526,147) (9,347,368) (236,526,147)(9,347,368) (9,347,368)
1,125,744 871,793 1,119,505 868,4111,125,744 1,119,505
(868,891,001) (1,012,403,732) (867,884,386) (1,011,215,449)(868,891,001) (867,884,386)
(900,958,811) (1,279,205,800) (899,958,435) (1,278,020,899)(900,958,811) (899,958,435)
(124,823,805) (430,176,195) (124,823,805) (430,176,195) (124,823,805) (124,823,805)
- - 25,000,000 120,000,000- 25,000,000
- - (15,000,000) (110,000,000) - (15,000,000)
745,000,000 - 745,000,000 -745,000,000 745,000,000
(5,591,053) (8,458,687) (5,591,053) (8,458,687)(5,591,053) (5,591,053)
300,000,000 1,130,000,000 300,000,000 1,130,000,000300,000,000 300,000,000
(660,000,000) (580,000,000) (660,000,000) (580,000,000) (660,000,000) (660,000,000)
(739,680,000) (400,000,000) (739,680,000) (400,000,000)(739,680,000) (739,680,000)
45,816,199 19,800,513 45,816,199 19,800,51345,816,199 45,816,199
(871,449,157) (346,487,296) (871,449,157) (346,487,296)(871,449,157) (871,449,157)
(1,310,727,816) (615,321,665) (1,300,727,816) (605,321,665)(1,310,727,816) (1,300,727,816)
242,542,679 368,713,138 244,482,263 360,244,207242,542,679 244,482,263
603,788,150 235,075,012 579,894,685 219,650,478603,788,150 579,894,685
846,330,829 603,788,150 824,376,948 579,894,685846,330,829 824,376,948
( ) (5,381,343) 28,631,982 (5,381,343) 28,631,982(5,381,343) (5,381,343)
1,752,012,439 - 1,752,012,439 -1,752,012,439 1,752,012,439
Total Home Solution 61
31
2552
2551
(:
)
31
255
0
1,92
4,92
0,42
2 55
5,69
4,06
3 13
0,70
0,00
0 1,71
2,16
2,28
1 4,32
3,47
6,76
6 1,53
6 4,32
3,47
8,30
2
- -
- 95
9,41
8,95
3 95
9,41
8,95
3 76
7 95
9,41
9,72
0 24
- -
- (3
46,487
,296
) (3
46,487
,296
) -
(346
,487
,296
)24
- -
47,700
,000
(4
7,70
0,00
0)
- -
-
8,69
0,17
8 11
,110
,335
-
- 19
,800
,513
-
19,800
,513
31
255
1
1,93
3,61
0,60
0 56
6,80
4,39
8 17
8,40
0,00
0 2,27
7,39
3,93
8 4,95
6,20
8,93
6 2,30
3 4,95
6,21
1,23
9
31
255
1
1,93
3,61
0,60
0 56
6,80
4,39
8 17
8,40
0,00
0 2,27
7,39
3,93
8 4,95
6,20
8,93
6 2,30
3 4,95
6,21
1,23
9
- -
- 1,14
2,85
7,43
0 1,14
2,85
7,43
0 65
2 1,14
2,85
8,08
2
17, 2
4 1,75
2,01
2,43
9 -
- (1
,752
,012
,439
) -
- -
17, 2
4
24
- -
- (8
71,449
,157
) (8
71,449
,157
) -
(871
,449
,157
)24
19
-
- 57
,000
,000
(5
7,00
0,00
0)
- -
-19
17
18
,303
,177
27
,513
,022
-
- 45
,816
,199
-
45,816
,199
17
31
255
2
3,70
3,92
6,21
6 59
4,31
7,42
0 23
5,40
0,00
0 73
9,78
9,77
2 5,27
3,43
3,40
8 2,95
5 5,27
3,43
6,36
3
Total Home Solution62
31
2552
2551
( :
)
31
255
0
1,92
4,92
0,42
2 55
5,69
4,06
3 13
0,70
0,00
0 1,70
6,18
9,13
4
4,31
7,50
3,61
9
- -
- 95
3,94
6,18
5
953,94
6,18
5
24
-
-
- (3
46,487
,296
) 24
(3
46,487
,296
)
- -
47,700
,000
(4
7,70
0,00
0)
-
8,69
0,17
8 11
,110
,335
-
-
19,800
,513
31
2551
1,93
3,61
0,60
0 56
6,80
4,39
8 17
8,40
0,00
0 2,26
5,94
8,02
3
4,94
4,76
3,02
1
3125
51
1,93
3,61
0,60
0 56
6,80
4,39
8 17
8,40
0,00
0 2,26
5,94
8,02
3
4,94
4,76
3,02
1
- -
- 1,13
8,19
4,61
0
1,13
8,19
4,61
0
17
, 24
1,75
2,01
2,43
9
- (1
,752
,012
,439
) 17
, 24
-
24
-
- -
(871
,449
,157
) 24
(8
71,449
,157
)
19
- -
57,000
,000
(5
7,00
0,00
0)
19
-
17
18,303
,177
27
,513
,022
-
- 17
45
,816
,199
31
2552
3,70
3,92
6,21
6 59
4,31
7,42
0 23
5,40
0,00
0 72
3,68
1,03
7
5,25
7,32
4,67
3
Total Home Solution 63
31 2552 2551
1. ( ) (“ ”)
( ) ( )
96/27
9 31 2552
35 (2551: 33 )
2. 2.1 . . 2547
30 2552
. . 2543
2.2
) ( ) (
“ ”) ( “ ”)
99.99 99.99 0.40 0.47 1.20 1.160.40 99.99 1.20
) (
)
)
)
)
)
2.3
31 31 2552 2551 2552 2551 2552 2551
Total Home Solution64
3. 2552 12/2552
86/2551 16/2552
3.1
• ( 2550)
• 36 ( 2550)
• 5 ( 2550)
•
•
1 2552
( 2550) 36 ( 2550) 5 (
2550)
3.2
• 20
1 2555
• 24 ( 2550)
1 2554
• 40 1 2554
24 ( 2550) 40
20
24 ( 2550) 40
Total Home Solution 65
4. 4.1
4.2
3
4.3
4.4( )
4.5
4.6
( )
• 20
•
• 3 - 10
• 5 - 10
• 5
Total Home Solution66
4.7
( )
( )
(10 )
4.8
4.9
4.10
4.11
Total Home Solution 67
4.12
4.13
4.14
5.
Total Home Solution68
6.
2552 2551 2552 2551
( : )
72,845,585 110,092,951 68,174,079 105,430,49268,174,079 72,845,585
4,788,722 16,474,985 4,788,722 16,474,9854,788,722 4,788,722
65,549,071 34,058,484 65,502,199 34,005,45965,502,199 65,549,071
143,183,378 160,626,420 138,465,000 155,910,936138,465,000 143,183,378
: (14,398,348) (25,643,406) (14,398,348) (25,643,406)(14,398,348) (14,398,348)
- 128,785,030 134,983,014 124,066,652 130,267,530124,066,652 128,785,030
Total Home Solution 69
2552 2551 2552 2551
( : )
( : )
( : )
126,264,984 127,421,935 123,871,466 125,318,455123,871,466 126,264,984
6 11,801,713 16,664,851 9,520,286 14,052,8479,520,286 11,801,713
6 - 12 43,433 14,724 - 14,724- 43,433
12 5,073,248 16,524,910 5,073,248 16,524,9105,073,248 5,073,248
143,183,378 160,626,420 138,465,000 155,910,936138,465,000 143,183,378
: (14,398,348) (25,643,406) (14,398,348) (25,643,406)(14,398,348) (14,398,348)
- 128,785,030 134,983,014 124,066,652 130,267,530124,066,652 128,785,030
3,613,453,916 3,342,685,6753,613,453,916
: (112,301,165) (82,484,623)(112,301,165)
3,501,152,751 3,260,201,0523,501,152,751
: (495,509,317) (437,617,125)(495,509,317)
(100,505,401) (94,505,401)(100,505,401)
- 2,905,138,033 2,728,078,5262,905,138,033
7.
8.
2552 2551
2552 2551 2552 2551 2552 2551 2552 2551 ( ) ( )
5,000,000 5,000,000 99.99 99.99 4,999,300 4,999,300 - -4,999,300 5,000,000 - 99.99
31 2552 2551
Total Home Solution70
( : )
9.
2552 2551 2552 2551
( )
- - 1,318,764 1,457,373 1,318,764 -
- - 138,894,845 118,957,492138,894,845 - 10.9 - 11.7
2552
( 9.5 - 11.0
2551)
- - 24,293,934 22,742,904 24,293,934 -
- - 7,558,230 6,872,228 7,558,230 -
- - 1,538,610 1,732,260 1,538,610 - 1.50 - 4.00
(2551: 3.40 - 4.25
)
4,371,699 11,331,640 4,371,699 11,331,640 4,371,699 4,371,699
1,809,526 1,647,215 1,809,526 1,647,2151,809,526 1,809,526 0.75 - 2.85
(2551: 0.75 - 3.00
)
1,410,774 5,328,940 1,410,774 5,328,9401,410,774 1,410,774
17,918,221 18,575,202 17,918,221 18,575,202 17,918,221 17,918,221
Total Home Solution 71
2552 2551 2552 2551
( : )
31 2552 2551
( )
. (1) 677,976,592 435,139,799 677,976,592 435,139,799677,976,592 677,976,592
. (2) 432,460 2,261,237 432,460 2,261,237432,460 432,460
. (2) 141,868 66,457 141,868 66,457141,868 141,868
. ( ) - - 81,800 177,86081,800 -
574,328 2,327,694 656,128 2,505,554656,128 574,328
.(1) 3,210 6,420 3,210 6,4203,210 3,210
. ( ) - - 2,254,534 6,928,250 2,254,534 -
3,210 6,420 2,257,744 6,934,6702,257,744 3,210
(1) 3,000,000 3,000,000 3,000,000 3,000,0003,000,000 3,000,000
. (1) 2,263,542 161,918 2,263,542161,918 161,918
. ( ) - - 70,000,000 60,000,00070,000,000 -
(1) 1,302,452 1,307,185 1,302,452 1,307,1851,302,452 1,302,452
(1)
(2)
2552( : )
1 2552 31 2552
. 60,000,000 25,000,000 (15,000,000) 60,000,000 70,000,00025,000,000
Total Home Solution72
31 2552 70
(2551: 60 ) 1.50 - 4.00 (2551: 3.40 - 4.25
)
2552
16.44 (2551: 12.55 )
2551 5,750,000
18
10. ( : )
31 11,163,485,0256,263,902,855 280,186,063 1,809,035,498 38,274,660 391,700,955 2551 2,380,384,994
874,272,344- 63,993,299 18,057,547 128,879,413 6,050,673 657,291,412
(27,202,215)- (3,852,465) (5,967,045) (14,349,329) (2,546,298) (487,078)
( ) -- 876,562,247 14,783,657 57,856,894 185,000 (949,387,798)
31 2552 12,010,555,1542,380,384,994 7,200,605,936 307,060,222 1,981,422,476 41,964,035 99,117,491
31 2551 2,486,774,238- 1,210,292,257 214,757,057 1,039,743,980 21,980,944 -
756,319,116- 407,280,686 43,938,557 298,082,167 7,017,706 -
(20,665,678)- (907,404) (5,869,498) (11,980,785) (1,907,991) -
31 2552 3,222,427,676- 1,616,665,539 252,826,116 1,325,845,362 27,090,659 -
31 2551 63,540,00013,000,000 50,540,000 - - - -
14,000,000- 14,000,000 - - - -
31 2552 77,540,00013,000,000 64,540,000 - - - -
31 2551 8,613,170,7872,367,384,994 5,003,070,598 65,429,006 769,291,518 16,293,716 391,700,955
31 2552 8,710,587,4782,367,384,994 5,519,400,397 54,234,106 655,577,114 14,873,376 99,117,491
2551 (641.7 ) 684,135,731
2552 (714.4 ) 756,319,116
Total Home Solution 73
31 2552
15.4 (2551: 34.0 )
31 2552
512.6 (2551: 440.2 ) ( : 512.6
2551: 440.2 )
31 2552 ( 12) 625.4
(2551: 576.5 ) 13 16
31 11,143,245,6256,263,257,138 279,966,861 1,790,258,063 37,677,614 391,700,955 2551 2,380,384,994
873,265,72963,993,299 18,029,467 127,900,878 6,050,673 657,291,412 -
(26,986,830)(3,852,465) (5,967,045) (14,133,945) (2,546,297) (487,078) -
( -876,562,247 14,783,657 57,856,894 185,000 (949,387,798) ) -
31 11,989,524,5247,199,960,219 306,812,940 1,961,881,890 41,366,990 99,117,491 2552 2,380,384,994
31 2,477,291,8571,210,201,097 214,669,696 1,030,788,369 21,632,695 - 2551 -
752,180,384407,216,115 43,875,669 294,190,303 6,898,297 - -
(20,517,778)(907,404) (5,869,497) (11,832,886) (1,907,991) - -
31 3,208,954,4631,616,509,808 252,675,868 1,313,145,786 26,623,001 - 2552 -
31 63,540,00050,540,000 - - - - 2551 13,000,000
14,000,00014,000,000 - - - - -
31 77,540,00064,540,000 - - - - 2552 13,000,000
31 8,602,413,7685,002,516,041 65,297,165 759,469,694 16,044,919 391,700,955 2551 2,367,384,994
31 8,703,030,0615,518,910,411 54,137,072 648,736,104 14,743,989 99,117,491 2552 2,367,384,994
2551 (641.7 ) 680,222,463
2552 (714.4 ) 752,180,384
( : )
Total Home Solution74
( : )
( : )
2552 2551
11.
31 2551 210,806,288 210,796,832210,806,288
23,846,186 23,846,18623,846,186
31 2552 234,652,474 234,643,018234,652,474
31 2551 80,644,038 80,641,25880,644,038
18,892,537 18,891,59118,892,537
31 2552 99,536,575 99,532,84999,536,575
31 2551 - --
43,000,000 43,000,00043,000,000
31 2552 43,000,000 43,000,00043,000,000
31 2551 130,162,250 130,155,574130,162,250
31 2552 92,115,899 92,110,16992,115,899
12. ( : )
31 2551 861,451,458
9,347,368
31 2552 870,798,826
31 2551 138,487,799
29,311,529
31 2552 167,799,328
31 2551 722,963,659
31 2552 702,999,498
13.
- 124,823,805-
Total Home Solution 75
31 2551
4.00 2552
31 2552 2551 155
130 3,929 4,677
( 10 12)
2552 2551 2552 2551
( ) ( ) 2552 2551 2552 2551
14.
15.
3,996,042 9,951,132 5,995,160 5,847,3243,996,042 5,995,160
: (456,590) (655,411) (359,566) (376,946)(456,590) (359,566)
3,539,452 9,295,721 5,635,594 5,470,3783,539,452 5,635,594
( : )
( : )
3 5
31 2552
4.00 6.00 10.00
(0.46) (0.36) (0.82)
3.54 5.64 9.18
1 1 - 5
1/2548 2 - 500,000 - 500,000,000- -
1/2551 500,000 500,000 260,000,000 420,000,000500,000 260,000,000
2/2551 630,000 630,000 630,000,000 630,000,000630,000 630,000,000
1/2552 300,000 - 300,000,000 -300,000 300,000,000
1,430,000 1,630,000 1,190,000,000 1,550,000,0001,430,000 1,190,000,000
: 1 (160,000,000) (660,000,000) (160,000,000)
- 1,030,000,000 890,000,000 1,030,000,000
Total Home Solution76
1. ( ) 1/2548 2
2552
“ ( ) 1/2548 2 2552”
“ ( ) 1/2551 2554”
500
4 ( )
17 2548
5.40
3 ( )
17 2552
500
3 ( )
2 2551
4.00
3 ( )
3 ( ) 40
( 60 ) 12 2 2551
2 2554
17 2552 500
2. ( )
1/2551 2554
40
160
Total Home Solution 77
“ ( ) 2/2551 2554”
“ ( ) 1/2552 2555”
630
3 ( )
21 2551
5.50
3 ( )
21 2554
300
3 ( )
1 2552
4.00
3 ( )
1
2553 2 2555
2 2555
3. ( ) 2/2551
2554
8 2552
1,870
• / 270
2,000
• 10
4,000
4. 1 2552 ( )
1/2552 2555 300
8 2552
Total Home Solution78
16.
2552 2551
( : )
1 1,500,000,000 675,000,000 975,000,000 1,500,000,000 25.00 675,000,000 *
2 845,000,000 305,320,000 - 845,000,000 15.52 305,320,000 **
980,320,000 975,000,000 980,320,000
: (486,240,000) (300,000,000)(486,240,000)
-
494,080,000 675,000,000494,080,000
* 4.15 - 4.25 2553 MLR
** MLR
1) 1 ( 10 12)
2) 8 2550 2,000 (
2) 78 33
MLR Negative Pledge
28 2551 2,000
845 5 2552
61
33.00 48 15.52
2552 (2551:
745 )
2552 300
3)
Total Home Solution 79
17. 18
2552 ( ) ( )
( ) ( )
ESOP-W3 5,352,901 5,525,360 1.000 5,525,360
ESOP-W4
• 1 1,786 1,786 3.980 7,108
• 2 2,366,215 2,406,419 3.912 9,413,912
• 3 5,061,028 5,147,037 3.912 20,135,209
• 4 2,694,046 5,204,893 2.059 10,716,875
10,123,075 12,760,135 40,273,104
15,485,676 18,303,177 45,816,146
( ) ( ) ( )
1,986,468.1
1,807,745.8
3,794,213.9
1,933,610.6 1,933,610.6 566,804.4
18,303.2 18,303.2 27,513.0
1,752,012.4 1,752,012.4 -
3,703,926.2 3,703,926.2 594,317.4
8 2552 14.7
1,986.5 2,001.2 14.7 1
(ESOP-W4)
Total Home Solution80
18.
29 2552
1.
• 25.0 5% 2552
2552
• 1,752.0 1
1,752.0 10 9
0.90 10
0.9
• 0.10 194.7
1
27 2552
2. 1,793.0 2,001.2 3,794.2
1,793.0 1
• 1,752.0
• 41.0 (ESOP-W4)
2552 1,752
3,698.7 20 2552
1,752
27 2552
3,703.9 25 2552
1 1
( )
ESOP-W2 28 7,000,000 3 1.00 1 2549
ESOP-W3 2 15,000,000 3 1.00 1 2550
ESOP-W4 23 50,000,000 5 3.98 1 2551
Total Home Solution 81
2551
4 (ESOP-W4) ESOP-W2 ESOP-W3
ESOP-W2 1.00 1.823
ESOP-W3 1.00 1.007
ESOP-W3 1.000 1.030
ESOP-W4 3.912 1.017
ESOP-W3 1.000 1.957
ESOP-W4 2.059 1.932
1 1
1 1
1 1
8 2552
55 2551
ESOP-W3 ESOP-W4
ESOP-W3 ESOP-W4 16 2552
29 2552 17
1,752.0 27 2552
ESOP-W3 ESOP-W4
ESOP-W3 ESOP-W4 12 2552
( : )
31 2551
31 2552
ESOP-W2 18,200 (9,700) (8,500) 18,200 (9,700) -
ESOP-W3 5,933,832 (5,352,901) - 5,933,832 (5,352,901) 580,931
ESOP-W4 46,271,700 (10,123,075) - 46,271,700 (10,123,075) 36,148,625
Total Home Solution82
19.
20.
116 . . 2535
5 10
( : )
2552 2551 2552 2551
1,437 1,272 1,437 1,2721,437 1,437
820 789 820 741820 820
805 728 800 724805 800
784 1,156 758 1,143784 758
114 134 114 136114 114
558 392 557 390 558 557
(265) (285) (265) (285)(265) (265)
21.
20 2552
1,752.0 ( 17)
Total Home Solution 83
31
31
( ) ( ) ( )
( ) ( ) ( )
2552 2551 2552 2551 2552 2551 ( ) ( )
2552 2551 2552 2551 2552 2551 ( ) ( )
959,418,953 3,692,219,841 3,681,877,964 0.31 0.261,142,857,430 3,692,219,841 0.31
- 48,733,170 10,697,835 - 48,733,170
959,418,953 3,740,953,011 3,692,575,799 0.31 0.261,142,857,430 3,740,953,011 0.31
953,946,185 3,692,219,841 3,681,877,964 0.31 0.261,138,194,610 3,692,219,841 0.31
- 48,733,170 10,697,835 - 48,733,170
953,946,185 3,740,953,011 3,692,575,799 0.30 0.261,138,194,610 3,740,953,011 0.30
22.
( 10
)
23. . . 2530
3 - 5
2552 30.24 (2551: 23.98 )
Total Home Solution84
( : )
24.
( ) ( )
2552 29 2552 194.67 0.10 27 2552
2552 29 2552 1,752.00 0.90 27 2552
2551 8 2552 676.78 0.35 28 2552
2550 9 2551 346.49 0.18 8 2551
25. 25.1
31 2552 2551 66.65 75.90
25.2 31 2552 2
3.53 (2551: 1.99 )
26. 26.1
) 11 26 30
31 2552
( : )
• 1 43.5
• 2 5 188.0
• 5 922.7
1,154.2
) 17 17 30
31 2552
( : )
• 1 82.5
• 2 5 353.5
• 5 1,331.2
1,767.2
Total Home Solution 85
26.2
7 5 2
29 - 30 640.49 2576 - 2579
31 2552 ( )
521.1 (2551: 542.8 )
27. 27.1
32 “
”
31 2552
( )
1 1 5 ( )
846,330,829 0.50 - 1.0059,593,753 111,737,076 675,000,000 -
160,000,000 1,030,000,000 - - 1,190,000,000 4.00 - 5.50
125,000,000 - 855,320,000 - 980,320,000 4.32 - 5.27
285,000,000 1,030,000,000 855,320,000 - 2,170,320,000
Total Home Solution86
1 1 5 ( )( )
( : )
675,000,000 - 38,217,786 111,159,162 824,376,948 0.50 - 1.00
70,000,000 - - - 70,000,000 1.50 - 4.00
160,000,000 1,030,000,000 - - 1,190,000,000 4.00 - 5.50
125,000,000 - 855,320,000 - 980,320,000 4.32 - 5.27
355,000,000 1,030,000,000 855,320,000 - 2,240,320,000
31 2552
505,416 33.5168
( ) 31 2552 ( )
27.2
28.
31 2552 1.63
Total Home Solution 87
“ ( ) 1/2553 2556”
31. 18 2553
29. 29.1 8 2553
( ) 1/2553 2556 700 /
8 2552
( : )
( : )
317,074,342 380,940,852317,074,342
172,159,971 108,293,461172,159,971
301,203,104 365,069,614301,203,104
170,512,521 106,646,011170,512,521
700
3 ( )
8 2553
3.65
3 ( )
8 2553
8 2556
8 2556
29.2 18 2553
2552 0.212 0.052
0.16
30. 31 2551
Total Home Solution88
( )96/27 9 11000
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