TMB Synergy and Financial Projections
Merged bank's loan portfolio in readiness for IFRS 9
NPLs (bn.)
NPL Ratio and Coverage Ratio
+19.6 bn from TBANK
-3.6 bn from TMB
2.76%
2.30%
37.7
140%
120%
19.6
21.7
2018
18.2
2019
2018
2019
Total Loan Portfolio Breakdown
PSM NPL
2.8%
3.6%
93.7%
2018
2.3%
3.4%
94.3%
2019
TMB
Make THE Difference
•
NPLs increased from TBANK consolidation was
THB 19.6 bn
• TMB's NPLs was THB 18.2 bn, down by THB
3.6 bn YoY from proactive NPL management
through write-off and sales
•
On consolidate basis, NPLs was THB 37.7 bn
• As of Dec 2019, TBANK NPL ratio was 2.29%
while TMB NPL ratio was 2.33%
•
NPL ratio on consolidated basis, therefore,
was at 2.30% compared to 2.76% last year
• TMB maintained its coverage ratio at 140%
as target
• When combined with TBANK's coverage ratio
of 102%, Coverage ratio was at 120% on
consolidated basis
• Performing loan represented 94.3% of total loan
with 3.4% SM and 2.3% NPLs
• Through the year, TMB has continued to de-risk
its portfolio with an aim to reduce SM loans
Note: Consolidated Balance sheet included TBANK's financial position as of 31 Dec 2019
TMB
TBANK
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