Rating Review Meeting

1
Rating Review Meeting
24 April 2003
2
SCIB in perspective

• BMB/SCIB merged on 1 April 2002, creating 5th
  largest Thai commercial bank in terms of assets.

Million Baht
Mkt Share ()
Rank
8.43
486,178
Assets
5
7.92
326,781
Loans
6
8.60
422,553
Deposits
5
7.18
5,951
Employees
7
368
Branches
10.29
6
As of Dec. 2002
3
SCIB in perspective (cont.)

• Integration process has been completed, except
  the core banking system, which is expected to be
  operational in mid 2003
• Nation-wide branch network covers the high growth
  areas
• Lowest NPLs in the banking system
• High capital adequacy

4
Strategic Focus
Vision
To be a leading financial institution that
provides universal services to domestic
businesses and retail customers through its
branch network and being accepted as the best
personal touch financial institution.
5
Strategic Focus

• Focus on customer service by building
  relationships with high touch, high quality and a
  commitment to serve.
• Emphasize fee income opportunities
• Develop new line of products and services
• Promote cross selling through incentive CRM
  program
• Improve channel of distribution

6
Strategic Focus (cont.)

• Focus on cost structure efficiencies
• Commit to prudent risk management and good
  governance
• Improve financial strength
• Focus on human resource development through
  training, reward and punishment system
• Develop good IT capability

7
Organization Chart
Board of Directors
Audit Committee
Board of Executive Directors
President CEO
EVP. Policy Risk Mgmt
EVP. Compliance and Audit
Senior EVP Treasury Support Services Group
Senior EVP Information Technology Group
First Senior EVP Branch Admin. Bus. Development
Group
Senior EVP Asset Development Management Group
Senior EVP Lending Group
FEVP. Treasury and International Banking
EVP Corporate Lending
EVP. Branch Administration
EVP. Credit Development
EVP. Information Technology
EVP. Business Support
EVP. Business Development Marketing
FEVP Branch Credit
EVP. Assets Management Legal
EVP. Corporate Support
EVP. Capital Market
8
Subsidiary Companies
Crown Development Co., Ltd. 100 1
Max Life Assurance Co., Ltd. 100
Siam City I.T. Co., Ltd 100 1
The Chada Thong Properties Co. Ltd. 70 1
SCIB Service Co., Ltd. 99.40
Yuanta Securities (Thailand) 99.33 4
1. In liquidation process 2. In restructuring
Process with TAMC 3. Acquired through debt
restructuring 4. Purchased in January 2003
9
Affiliated Companies
Siam City Factoring Pcl 48.16 2
Siam City Insurance Co., Ltd. 25.5
Siam City - Showa Leasing Pcl. 46.99 2
Thai-German Product Pcl. 25.16 3
S.A.S. Trading Co., Ltd. 34.18 3
Siam Samsung Life Insurance Co., Ltd. 25
Thoon Ruan Kan Co.,Ltd. 33.33 1
Thai Nam Plastic Pcl. 20.47 3
Paktai Cheplerng Pcl. 30.04 3
1. In liquidation process 2. In restructuring
Process with TAMC 3. Acquired through debt
restructuring 4. Purchased in January 2003
10
Financial Highlights
Balance Sheet
Unit Million Baht
11
Financial Highlights
Income Statement
Unit Million Baht
12
Financial Highlights
Performance Ratios
13
Asset Quality
Distribution of Loans (Exclude AMC Notes)
2002 2001 Business Sectors
Amount Amount
Agriculture,Fishery and Forestry Mining and
quarrying Manufacturing Construction Wholesale
and Retail Trade Import
1,705 358 37,119 2,123 17,869 2,314
1.51 0.32 32.86 1.88 15.82 2.05
1,590 438 27,836 1,172 7,804 1,871
2.35 0.65 41.23 1.74 11.56 2.77
14
Asset Quality
Distribution of Loans (cont.)
2002 2001 Business Sectors
Amount Amount
Export Banking Finance Real Estate Public
Utilities Services Personal Consumption Total
3,514 1,285 9,632 15,646 13,435 7,949 112,949
3.11 1.14 8.53 13.85 11.89 7.04 100.00
1,971 638 4,739 9,530 6,729 3,198 67,516
2.92 0.94 7.02 14.11 9.97 4.74 100.00
15
Asset Quality
Loan Composition by Geography As at Dec.
2002
Unit Million Baht
No. of BRANCH Amount
BKK Metro. Central N/E North South Total
176 85 31 33 45 370
95,479 7,852 3,514 1,805 4,298 112,949
84.5 7.0 3.1 1.6 3.8 100.0
16
Asset Quality
Loans composition by type
exclude AMC Note
17
Asset Quality
Non Performing Assets Restructured Loans
Mar. 2003 Dec. 2002
1. Loans - Restructured Loans - NPL 2.
Prop. Foreclosed
36,085 527 15,776
31,089 1,050 15,361
18
Asset Quality
Non-performing Assets and general / specific
Provision
As at Dec. 2002
Obligation Obligation of legal
Required Actual before
after reserve as Reserve
Reserve Classified Debtors deduction of
deduction of required by collateral
collateral the BOT value
value
Normal Special Mention Sub-Standard Doubtful Bad
Debt Total
332,153 2,940 196 312 4,255 339,856
46,330 1,172 41 53 4,247 51,843
1 2 20 50 100
463 23 8 27 4,247 4,768
- - - - - 8,492
19
Capital Adequacy
Unit Million Baht

• Amount BIS Ratio ()
• 1. Risk Assets 146,300
• 2. Tier I 21,162 14.4
• - Paid-up share capital 21,128 14.4
• - Legal reserve 34 -
• 3. Tier II 1,568 1.1
• - Surplus on fix asset revaluation 1,105
  0.8
• - Sub-Debt - -
• - Reserve for Active loans 463 0.3
• 4. Tier I Tier II 22,730 15.5

As at Dec. 2002
20
Income Structure
21
Off-balance sheet items-Contingencies
Consolidated and the Banks financial statements
Unit Million Baht
Dec. 2002 Dec. 2001 Amount
Amount
Aval to bills Guarantees of loans Other Letters
of guarantee Liabilities under unmatured import
bills Letters of credit Exchange rate
agreements - Purchase agreements - Sale
agreements Unused credit line of
overdraft Others Total
740 2,908 15,955 868 2,105 2,774 14,738 20,328 1
,906 62,322
1.2 4.7 25.6 1.4 3.4 4.4 23.6 32.6 3.1 100.0
63 2,480 6,701 310 419 362 4,795 11,482 1,155 27
,767
0.2 8.9 24.1 1.1 1.5 1.3 17.3 41.4 4.2 100.0