TMB Synergy and Financial Projections
2019 deliverables
Inorganic growth
During the year, TMB raised THB 137 bn and achieved a key milestone when TBANK became a wholly-
owned subsidiary of TMB, effective on 3 December 2019, further strengthening the Group's presence to
become a leading Thai banking franchise with scale benefits.
TMB
Make THE Difference
99.98%
ธนาคารธนชาต
Thanachart Bank
2019
Excl. TBANK
2019
Actual*
2019
Excl. TBANK
2019
Actual*
Deposit Growth
+2.1%
+115.2%
3% -5%
NPL Ratio
< 2.9%
2.33%
2.30%
Loan Growth
Coverage Ratio
-2.1%
+103.0%
140%
120%
2% -4%
> 140%
NIM
2.86% 2.93%
2.82%
2.81%
Credit Cost
125-130 bps
131 bps
125 bps
Non-NII Growth
+4.5%
+10.8%
4% - 8%
(excl. gain from
TMBAM deal 11.8bn.)
C/I Ratio
51%
51%
47% - 49%
Note: Consolidated P&L included TBANK's performance for 28 days (4-31 Dec 2019) / Balance sheet included TBANK's financial position as of 31 Dec 2019
TMB
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