TMBThanachart Bank Public Company Limited · SET:TTB

TMBThanachart Bank Public — TMB Bank Public Company — Q2 2006 Earnings Presentation

18 slides from TMBThanachart Bank Public's earnings presentation, July 2006

  1. Slide 1: TMB Bank 2nd Quarter & 1st Half 2006 Results

    July 2006 TMB BANK 2 nd Quarter & 1st 2nd Quarter & 1 Half st Half 2006 2006 Results Results Subhak Siwaraksa President & CEO Financial Planning & Investor Relations 0

  2. Slide 2: 2Q06 Preliminary, Economic Outlook, Appendix

    2Q06 Preliminary Economic Outlook Appendix Financial Planning & Investor Relations 1

  3. Slide 3: Unaudited 2Q06 & 1H06 in Summary

    Unaudited 2Q06 & 1H06 in Summary Unit : THB mm Items 1H06 1H05 Ì% 2Q06 1Q06 Ì% NII 7,729 7,070 9.0% 3,806 3,923 3.0% Fee Income 1,880 1,511 24.4% 965 915 5.5% Non-Interest Income 2,364 2,790 15.3% 884 1,497 40.9% Non-Interest Expense 6,604 5,608 17.8% 3,412 3,210 6.3% PPP 3,437 4,205 18.3% 1,253 2,1

  4. Slide 4: Unaudited 2Q06 & 1H06 in Summary

    Unaudited 2Q06 & 1H06 in Summary Unit : THB mm Items 2Q06 1Q06 Ì% 4Q05 Ì% Interbank & Resale 52,137 15,386 238% 9,611 442% Loans 560,146 558,235 0.3% 555,654 0.8% Total Assets 769,535 727,381 5.8% 716,296 7.4% Deposits 602,964 560,172 7.6% 517,215 16.6% LDR 92.9% 100% 7.1% 107% 14.1% NPL Ratio 11.94

  5. Slide 5: Interest Income & Fee Income

    Preliminary Data Interest Income & Fee Income Net Interest Income (THB mm) vs. NIM (%) Commentary NII 14,542 15,000 NIM ƒ Increase in net interest income but 2.8% 12,000 10,761 contracted NIM ... resulting from rising 9,000 7,729 2.3% funding cost and deposit shift to high-yield 6,491 7,070 6,000 2.

  6. Slide 6: Expense Highlights

    Preliminary Data Expense Highlights Non-Interest Expenses (THB mm) Non-Interest Expense Breakdown (THB mm) Personnel expenses FIDF 15,000 Premises & Equipment Tax 12,255 Other & misc 12,000 6,604 8,772 7,786 6,000 5,608 1,677 9,000 6,604 1,254 5,608 664 4,000 496 6,000 978 1,005 996 mm 1,048 930 3,0

  7. Slide 7: Income Highlights

    Preliminary Data Income Highlights PPP vs. Avg. Monthly Run Rate (THB mm) Net Profit (THB mm) PPP 7,854 8,000 7,800 Run rate 6,368 6,000 4,138 3,335 6,000 948 4,205 -1,000 4,000 3,437 2003 2004 2005 1H05 1H06 2,063 2,000 -8,000 511 717 721 240 0 2003 2004 2005 1H05 1H06 -15,000 (14,054) ROA & Pre-pr

  8. Slide 8: Asset Highlights

    Preliminary Data Asset Highlights Loans (THB bn) Net Loan Growth : 1H06 (THB mm) 600 556 560 516 6,077 4,693 500 1,925 400 301 300 (8,204) 200 100 0 Service Personal Others Banking & 2003 2004 2005 1H06 Consumption Finance Investments (THB bn) Total Assets (THB bn) 120 108 111 800 716 770 673 100 95

  9. Slide 9: Loan Outstanding Breakdown

    Preliminary Data Loan Outstanding Breakdown By Sector By Industry Consumer Corporate THB 78 bn THB 237 bn Agriculture 14% 42% Personal Mining Consumption 2% 1% 14% Manufacturing 31% SME Service THB 244 bn 11% 44% Total = THB 560 bn Loan Growth by Sector (THB bn) Public Dec 05 Utilities 0.8% Jun 06*

  10. Slide 10: Asset Quality

    Preliminary Data Asset Quality NPL / Total Loans (THB mm) Legal Workout Progress of NPL – 2Q06 20% Rehabilitation Payment request 12% 19% 15% 11.9% 12.0% 12.1% 9.9% Bankruptcy Notice issue 10% 21% 8% 5% File lawsuit 10% 29,831 61,697 67,404 66,906 0% Seizure of asset Court verdict 11% 2003 2004 2005

  11. Slide 11: Improving Liquidity Position and Provision

    Preliminary Data Improving Liquidity Position and Provision Funding Breakdown (THB bn) Deposit Structure (THB bn) Interbank 699 700 Borrowings 611 631 26 Dec 05 Jun 06 Deposits 600 41 70 63 Currents 14.3 2.8% 15.5 2.6% 73 500 92 344 Savings 149.7 28.9% 128.7 21.8% 400 14 300 7 603 Time ≤ 12 mths 244

  12. Slide 12: Economic Outlook

    2Q06 Preliminary Economic Outlook Appendix Financial Planning & Investor Relations 11

  13. Slide 13: Operating Environment

    Operating Environment GDP Economic Forecast in 2006 9.0% 8.7% 2005 2006 f 8% Nominal GDP Growth Real GDP growth (%) 4.5 4.0 - 4.5 Private Consumption Expenditure (%) 4.4 3.2 4% 8.1% Gross fixed investment (%) 11.4 5.4 5.0% - Private 11.2 5.8 0% - Public 11.9 4.2 Exports (USD bn) 109.2 122.3 -4% Comm

  14. Slide 14: Appendix

    2Q06 Preliminary Economic Outlook Appendix Financial Planning & Investor Relations 13

  15. Slide 15: Profit and Loss

    Preliminary Data Profit and Loss (THB mm) 1H06 1H05 Ì% 2Q06 2Q05 Ì% Interest income 16,817 12,251 37.3% 8,899 6,282 41.7% Interest expenses 9,088 5,181 75.4% 5,093 2,668 90.9% Net interest income 7,729 7,070 9.3% 3,806 3,614 5.3% Provision & loss from TDR 102 66 n.a. 50 32 n.a. Net income after prov

  16. Slide 16: Balance Sheets

    Preliminary Data Balance Sheets (THB mm) Assets Jun-06 Dec-05 Ì% (Dec) Jun-05 Ì% (Jun) Cash 11,635 11,057 5.2% 9,239 25.94% Interbank & money market items 23,137 9,611 140.7% 10,930 111.68% Securities purchased under resale 29,000 - n.a. 23,400 23.93% Investments in securities - net 110,705 107,509

  17. Slide 17: Balance Sheets

    Preliminary Data Balance Sheets (THB mm) Liabilities & Equity Jun-06 Dec-05 Ì% (Dec) Jun-05 Ì% (Jun) Deposits 602,964 517,215 16.6% 500,303 20.52% Interbank and money market items 26,295 41,180 (36.1%) 70,165 (62.52%) Borrowings 69,816 72,690 (4.0%) 74,960 (6.86%) Other liabilities 17,189 34,362 (50

  18. Slide 18: Coming Soon... IR Contacts

    Coming Soon …. IR contacts Nisa Laohasomboon Tel. 66-2299-2926 E-mail nisa.lao@tmbbank.com Ajaya Intaraprasong Tel. 66-2299-1178 E-mail ajaya.int@tmbbank.com This presentation contains some information from other sources, that TMB Bank Public Company Limited does not make any representations regardi

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