TMBThanachart Bank Public Company Limited · SET:TTB

TMBThanachart Bank Public — TMB Bank Public Company — Q3 2005 Earnings Presentation

25 slides from TMBThanachart Bank Public's earnings presentation, Oct 27, 2005

  1. Slide 1: TMB Bank Analyst Presentation – 3Q05

    27 October 2005 TMB BANK Public Company Limited Analyst Presentation – 3Q05 Subhak Siwaraksa President & CEO Investor Relations 0

  2. Slide 2: Key Accomplishments

    Key Accomplishments Q3 Preliminary Rebranding Economic Outlook Summary Financial Statements Investor Relations 1

  3. Slide 3: Key Accomplishments

    Key Accomplishments Organic Growth „ Continuous efficiency Franchise Benefits improvements „ Rebranding and „ Higher net loan growth +2.8% (qoq) Strong Baseline Established standardized brand „ Fees & service income +17% (qoq) formats • Increment of credit related fee „ HR integration and developmen

  4. Slide 4: Q3 Preliminary

    Key Accomplishments Q3 Preliminary Rebranding Economic Outlook Summary Financial Statements Investor Relations 3

  5. Slide 5: Interest Income & Fee Income

    Preliminary Data Interest Income & Fee Income Improvement in Net Interest Income yet Great Potential for Fee-Generating Focus Net Interest Income (THB mm) vs. NIM (%) Fee & Service Income (THB mm) 4,000 NII NIM 3,614 3,699 2.5% 2,000 3,551 3,456 3,500 2,731 2.4% 1,500 3,000 2.3% 2,500 2.3% 2.3% 2,00

  6. Slide 6: Income & Expense Highlights

    Preliminary Data Income & Expense Highlights Earnings Momentum Non-Interest Expenses (THB mm) PPP vs. Avg. Monthly Run Rate (THB mm) 4,000 PPP Run rate 2,500 2,287 3,500 3,175 2,121 2,083 2,939 2,819 1,883 3,000 2,702 2,000 2,500 2,150 1,482 1,500 2,000 1,500 1,000 675 718 724 740 510 1,000 500 500

  7. Slide 7: Profitability

    Preliminary Data Profitability Continued Enhancement in Operating Performance ROA & Pre-provision ROA ROE & Pre-provision ROE 2% 20% 16.1% 18.1% 18.4% 17.2%17.4% 16.7% 18.6% 15.3% 1.3% 13.5% 1.1% 1.2% 1.2% 1.2% 1.2% 1.2% 1.1% 1.0% 10% 1% 0% 0% 3Q04 4Q04 1Q05 2Q05 3Q05 3Q04 4Q04 1Q05 2Q05 3Q05 -10% -

  8. Slide 8: Asset Highlights

    Preliminary Data Asset Highlights Repositioning Asset Structure to Maximize Franchise Value Loans (THB bn) New Loan - 3Q05 (THB bn) 2.8% 750 YTD loan growth THB 23 bn (4.4%) 15 bn 600 524 524 539 516 517 6 450 3 20 300 3 2 150 6 0 Total Personal Manufacturing Banking & Construction Others 3Q04 4Q04

  9. Slide 9: Loan Outstanding Breakdown

    Preliminary Data Loan Outstanding Breakdown By Segment By Industry Consumer Corporate THB 70 THB 246 Agriculture 46% Personal 13% 2% Mining Consumption 1% 13% Manufacturing Service 31% SME 10% THB 223 41% Total = THB 539 bn Loan Growth by Sector (THB bn) Public Utilities 10% 2Q05 3Q05 2.8% 15 bn Rea

  10. Slide 10: Liability Highlights

    Preliminary Data Liability Highlights Funding Breakdown Interbank (THB bn) Interbank Deposits Deposits Borrowings Interbank THB 5.9 THB 6.1 700 17% 18% 645 635 627 611 611 70 34 P/N 600 59 59 63 THB 3.5 82 10% 84 75 500 123 92 BoT & FIDF 400 THB 18.8 55% 300 Note : Concessional loan from BoT & FIDF

  11. Slide 11: Liquidity & Capital

    Preliminary Data Liquidity & Capital Improving Liquidity and Capital Position LDR CAR 140% LDR LDR (included P/N) Tier I Tier II 122% 12% 120% 113% 10.5% 10.9% 107% 10.3% 107% 105% 104% 10.0% 105% 10% 9.2% 100% 101% 102% 101% 8.8% 3.9% 3.9% 8% 4.3% 4.1% 80% 2.9% 2.8% 6% 60% 4% 40% 6.6% 6.9% 6.3% 6.0

  12. Slide 12: Asset Quality

    Preliminary Data Asset Quality Proactively Addressing Legacy Asset Quality Issues NPL / Total Loans (THB mm) Legal Workout Progress of NPL 20% Rehabilitation Payment 14.2% 13.7% 19% request 15% 12.8% 28% 12.0% Bankruptcy 10.4% 10% 15% Assets investigation Notice issue 5% 2% 3% 54,264 61,697 66,288 7

  13. Slide 13: Rebranding

    Key Accomplishments Q3 Preliminary Rebranding Economic Outlook Summary Financial Statements Investor Relations 12

  14. Slide 14: Rebranding Underway

    Rebranding Underway Ongoing Branch, ATM, Exchange Booth Refurbishment to Reflect Our New Look Investor Relations 13

  15. Slide 15: Economic Outlook

    Key Accomplishments Q3 Preliminary Rebranding Economic Outlook Summary Financial Statements Investor Relations 14

  16. Slide 16: Economic Outlook

    Economic Outlook TMB Economic Forecast in 2005-2006 2004 2004 2005f 2005f 2006f 2006f Real GDP growth (%) 6.1 4.0 4.5 - 5.0 Private consumption expenditure (%) 5.6 4.0 4.2 Gross fixed investment (%) 14.4 12.7 14.5 - Private 15.3 11.5 12.5 - Public 11.7 16.0 20.0 Exports (USD bn) 96.1 114.1 134.1 % c

  17. Slide 17: Economic Outlook

    Economic Outlook Economic Forecast in 2005-2006 %yoy GDP Inflation Rate Domestic and Foreign Sources 2005 2006 2005 2006 IMF 3.5 5.0 4.2 2.7 ADB 4.0 5.0 4.0 3.5 BOT 3.5 - 4.5 4.5 - 6.0 4.0 - 4.5 3.5 - 4.5 NESDB 3.8 - 4.3 n.a. 4.0 - 4.4 n.a. MOF 4.1 - 4.6 5.5 - 6.5 4.5 3.5 Kasikorn Research 3.6 - 4.0

  18. Slide 18: Economic Outlook

    Economic Outlook Economy Going Forward „ Continuous growth potential in 2006 with GDP growth of 4.5 – 5.0% resulting from improvements in exports and tourism, government mega projects and private investments in several sectors with high capacity utilization. „ Inflation of about 3.8 – 4.0% in 2006 a

  19. Slide 19: Economic Outlook

    Economic Outlook Commercial Bank Loan will Grow in the Line with Economic Growth 10% Real GDP 4-5% 5-6% 5% 4.5% 4.0% 0% -5% Commercial Bank Loan -10% -15% 1998 1999 2000 2001 2002 2003 2004 2005f 2006f Investor Relations 18

  20. Slide 20: Summary Financial Statements

    Key Accomplishments Q3 Preliminary Rebranding Economic Outlook Summary Financial Statements Investor Relations 19

  21. Slide 21: Profit and Loss

    Preliminary Data Profit and Loss Robust and Improving Financials – Synergy Benefits (THB mm) 3Q05 2Q05 Ì% 3Q04 Ì% 9M05 9M04 Ì% Interest income 6,593 6,282 5.0% 4,335 52.1% 18,844 11,106 69.7% Interest expenses 2,894 2,668 8.5% 1,604 80.4% 8,075 3,896 107.3% Net interest income 3,699 3,614 2.4% 2,731

  22. Slide 22: Balance Sheets

    Preliminary Data Balance Sheets Repositioning for Growth (THB mm) Assets Sep-05 Jun-05 Ì% (Jun) Dec-04 Ì% (Dec) Cash 9,255 9,239 0.2% 10,925 (15.3%) Interbank & money market items - net 7,160 10,930 (34.5%) 10,153 (29.5%) Securities purchased under resale 9,800 23,400 (58.1%) 12,000 (18.3%) Investme

  23. Slide 23: Balance Sheets

    Preliminary Data Balance Sheets Repositioning for Growth (THB mm) Liabilities & Equity Sep-05 Jun-05 Ì% (Jun) Dec-04 Ì% (Dec) Deposits 518,681 500,303 3.7% 456,007 13.7% Interbank and money market items 34,333 70,165 (51.1%) 62,825 (45.4%) Borrowings 82,253 74,960 9.7% 91,869 (10.5%) Other liabiliti

  24. Slide 24: Disclaimer

    Disclaimer This presentation contains some information from other sources, that TMB Bank Public Company Limited does not make any representations regarding the use, validity, accuracy, or reliability of, or the results of the use of information, data but not limited to, all text, and images (“the Co

  25. Slide 25: Q&A IR contacts

    Q&A 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 Investor Relations 24

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