4 7 9 11 40 42 44 50 98 116 126 145 150 175 201 226 230 230 231 242 243 245 250 Contents Vision and Mission Message from the Chairman of the Board of Directors Message from the Chief Executive Officer One Bank, One Goal for Thais’ Life-long Financial Well-being Historical Financial Performance Board of Directors Management Team Business Operations Structure and Business Operations Risk Management Steering Business Towards Sustainability Management Discussion and Analysis General Information and Other Significant Information Management and Corporate Governance Corporate Governance Policy Corporate Governance Structure and Important Information Concerning the Board of Directors, BoardCommittees, Executives, Employees and Others Report on Important Operational Results of Corporate Governance Internal Control and Related Party Transactions Financial Statements Summary of Financial Statements Summary of Audit Report Summary of Consolidated Financial Statements over the Past Three Years Attachment Attachments Available on Website (Attachment 1-5) Report of the Board of Directors’ Responsibilities for Financial Reports Independent Auditor’s Report Financial Statements and Notes to the Financial Statements
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