TMB Synergy and Financial Projections
5-year financial aspiration and strategic priorities of the Merged Bank
ROE at top peer level (~12%)
Long-term
financial
aspiration
Strategic
priorities
over next
2-3 years
☐
Prudent capital
management
Tier 1 at third quartile
vs. peers (~14%)
Immediate focus (12-18 months)
Integration plan
Employees and customers transfer
■ Infrastructure readiness (esp. IT, data).
◉
Operating model synchronization
synergy realization
Revenue and cost
synergy realization
C/I ratio at low-40%
Balance sheet
optimization
LCR > 150%
Medium-term focus (2-3 years)
Business direction
Commercial
Retail/SME
Auto
TMB
Make THE Difference
■ From: Aggressive growth for size
To: Selective growth in promising sectors/ chains
■ From: Financial transaction facilitator
To: Financial well-being promotor / enabler
■ From: Auto lending franchise
To: Auto ecosystem platform
Continued effort on hygienic priorities
Continued portfolio de-risking
to reduce stage 2 loan
Digital transformation: IT infra, digital
solution, data analytics, new way of work
People: talent program, succession
plan, employee engagement
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