TMB Synergy and Financial Projections
Changes in deposit and loan structure with opportunities to enhance yields
Total Deposit (bn.)
- 1,398
+115% YTD
30%
650
36%
TD+NCD
11%
Hybrid
49%
29%
Saving
31%
Current
9%
2018
5%
2019
Total Loan (bn.)
1,394
+103% YTD
Other
0.1%
56%
686
Retail
31%
Other
0.3%
68%
Commercial
2018
44%
2019
TMB
Make THE Difference
• Deposit mix has changed after the consolidation. The
increase in TD and NCD portion was mainly from TBANK
• The increase in hybrid deposits, TD and NCD from TBANK
create opportunities for TMB to convert them to TMB's
flagship deposits and other investment products
• Loan portfolio has become more diversified, with less
concentration risk given retail loans now representing 56%
of the portfolio
• Apart from mortgage loans, the addition of high-yielding HP
loans to retail portfolio would help boost growth as well as
yields while allowing merged bank to address customer
needs more holistically. (HP 29%, Mortgage 22%,
Unsecured and Credit card 5%)
Note: Consolidated Balance sheet included TBANK's financial position as of 31 Dec 2019
Hybrid deposits consist of "TMB No Fixed", "ME Save” and “TBANK Ultra Saving"
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