Investor Presentaiton
Debt relief profile as % of total loan portfolio
THB billion
Loans under Relief Program to Total Loans
•
1,382
1,380
1,359
~40%
Jun-20
Full lockdown
~1%
~13%
~14%
~14%
Mar-21
Jun-21
Partial lockdown
Partial lockdown
Non-Debt Relief
(Included Debt Relief Exit)
Debt Relief: Phase 1
Debt Relief: Phase 2
(additional requests with
sequential offering)
Note: Loans to customers excluded interbank loans
tub
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Under prolonged Covid-19 situation, TTB continues to support our
customers in need as it is one of our priorities.
As expected, after the 3rd wave of Covid-19 resurgence at the beginning of
Apr-21 which followed by lifted restriction measures, the Bank started to
see requests for financial assistance from customers. Majority was from HP
and mortgage.
The Bank also saw an outflow from the remaining loans under debt relief
phase 1 which expired and exited the program in 2Q21.
As a result, the % of debt relief of total loans as of Jun-21 was at
approximately 14% stable QoQ, given that total loans has been slowed due
to our quality growth strategy.
TTB has used our Guiding Principle of Post Relief Risk Schemes to
evaluate customers' behavior and risk profile.
From what we observed, around 85% of customers in the current relief
program asked for light modified terms (SC1-SC3), meaning they are able
to service their debts with full interest payment.
Nonetheless, as rising Covid-19 cases led to further restrictions and a
partial lockdown, TTB will closely monitor the situation to ensure portfolio
quality and prudent risk management.
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