Scb Summary

• The Siam Commercial Bank PCL was Thailand's first indigenous bank, established in 1906 under Royal Charter

• It has a unique heritage and a long history of providing exemplary service to its customers.

• The bank has survived times of great adversity, which have included economic depression, bank failures, revolutions and wars

• According to unconsolidated financial information filed with the Bank of Thailand, the Bank was Thailand's fourth largest commercial bank in terms of total assets, deposits and loans as at June 30, 2011.

• The Bank has been listed on the SET since 1976.

The Bank provides a full range of financial services, including corporate and personal lending, retail and wholesale banking, foreign currency operations, international trade financing, cash management, custodial services, credit and charge card services and investment banking services, through its head office and its extensive branch network.

The Board believes that the adoption of best corporate governance practices will enhance shareholder value. In 2010, the focus of the Board was to review the Board's and Board Committees' overall roles and responsibilities to enhance their efficiency in governing the Bank's operations and also to achieve a higher standard of corporate governance practices.

Siam Commercial Bank PCL is the leading universal banking group in Thailand, providing a wide array of financial products and services to meet the various needs of its broad range of customers. Its major financial services include retail, commercial, and investment banking as well as a host of other products and services offered through the Siam Commercial Bank Group.

In addition to core services such as deposit and credit services, the Bank also provides tailored services to meet specific customer needs. Retail services(SME) include home loans, personal credit, car hire purchase, credit cards, ATM cards, debit cards, currency exchange facilities, and overseas remittances, as well as investment and banc assurance