TMB Synergy and Financial Projections
2019 reflection: how we prepared ourselves to the next chapter
IFRS 9 Readiness
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Implement governance framework for IFRS 9.
System & model already Go-Live. Parallel run
test with regulator showed sufficient provision
level
Interest Rate Calibration
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2
Adjust benchmark rates of both TMB and
TBANK to show the vision that both banks
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are going at the same directions
Open Architecture Market Leader
Re-affirm OA strategy. TFUND's share sale
transaction completed as plan. TFUND is now
added into TMB Open Architecture. With strong 11
partners, TMB aims to provide customer financial
well-being with access to world-class products and
services
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Buffer for Risk Policy Alignment
Prudently set additional provision at TBANK,
despite TBANK's sufficient provisioning for
IFRS 9, to support risk policy alignment
Balance Sheet Optimization
Optimize B/S by running down low return
loans to free up liquidity for high yield HP,
adjusting investment and funding strategy in
response to low-interest rate environment
TMB
Make THE Difference
Board and Management Transition
Single governance established between two banks
(e.g., mirrored board, C-suite) and well-planned
organization and management transition since
pre-merge to minimize business disruption and
ensure smooth handling of TBANK's customer
migration
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