TMB BANKTMB BANK...9M08 & 3Q08 Preliminary Results9M08 & 3Q08 Preliminary Results This presentation...
Transcript of TMB BANKTMB BANK...9M08 & 3Q08 Preliminary Results9M08 & 3Q08 Preliminary Results This presentation...
TMB Bank Public Company Limited 0
17 October 200817 October 2008
TMB BANKTMB BANKTMB BANK
9M08 & 3Q08 Preliminary Results9M08 & 3Q08 Preliminary Results9M08 & 3Q08 Preliminary Results
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 Content”) on this presentation. Some content may contain forward looking statements, that based on management’s view upon the information currently available to us. These statement are subject to certain risks and uncertainties that could cause the actual results materially differed from what had been previously stated. The materials in this presentation shall not, and are not intended to, constitute or contain an offer to sell or the solicitation of an offer to buy, any securities of TMB Bank Public Company Limited.
Analyst PresentationAnalyst PresentationAnalyst Presentation
TMB Bank Public Company Limited 1
9M08 & 3Q08 Preliminary Results
Preliminary Result Analysis
Appendix
9M08 & 3Q08 Preliminary Results9M08 & 3Q08 Preliminary Results
Preliminary Result AnalysisPreliminary Result Analysis
AppendixAppendix
TMB Bank Public Company Limited 2
Performance HighlightsPerformance Highlights
Preliminary DataPreliminary Data
The Bank reported net profit of THB 4,434 mm in 9M08 – an increase from net loss THB 20,839 mm in the 9M07 was due mainly to:
Improve in NII from better manage of assets & liabilities.No goodwill amortization & impairment chargeLess loan loss provision charge in 2008 than that of 2007 which primarily driven from the change in BoT’s regulations in preparation for IAS39.
Performance 9M08 Performance 9M08 vsvs 9M079M07
The Bank recorded net profit of THB 1,769 mm in 3Q08 – improved from net profit THB 1,182 mm in 2Q08 was due mainly to:
Set aside lower provision for loans and contingencies in 3Q08 than that of 2Q08. In 2Q08, the Bank initiated to set aside provision for off-balance sheet contingencies so less charge in 3Q08. Decline in possible loss sharing of impaired assets transferred to TAMC - less expected loss of ~THB 300 mm. Remark – In 3Q08, the Bank reclassified provision for off-balance sheet contingencies of ~THB 800 mm from loan loss provision to provision of obligation in non-interest expenses.
Performance 3Q08 Performance 3Q08 vsvs 2Q082Q08
TMB Bank Public Company Limited 3
UnreviewedUnreviewed 9M08 & 3Q08 Highlights9M08 & 3Q08 Highlights
Income Statements Income Statements -- Bank OnlyBank Only Unit : THB mmUnit : THB mm
Preliminary DataPreliminary Data
9M08 9M07 % 3Q08 2Q08 %
Interest income 21,939 25,998 (15.6%) 7,316 7,285 0.4%
Interest expense 9,493 14,171 (33.0%) 3,208 3,151 1.8%
Net interest income (NII) 12,446 11,827 5.2% 4,108 4,134 (0.6%)
Provision 1,217 12,572 (90.3%) (415) 822 (150.5%)
NII after provision 11,229 (744) N/A 4,523 3,311 36.6%
Non interest income 4,799 4,125 16.3% 1,241 1,641 (24.4%)
Non interest expenses 11,594 24,219 (52.1%) 3,996 3,771 6.0%
Net profit (loss) 4,434 (20,839) 121.3% 1,769 1,182 49.7%
*
* Include goodwill amortization & write off THB 12,594 mm
TMB Bank Public Company Limited 4
Consolidated Income Statements Consolidated Income Statements Unit : THB mmUnit : THB mm
Preliminary DataPreliminary Data
UnreviewedUnreviewed 9M08 & 3Q08 Highlights9M08 & 3Q08 Highlights
9M08 9M07 % 3Q08 2Q08 %
Interest income 21,931 26,252 (16.5%) 7,342 7,193 2.1%
Interest expense 9,628 14,162 (32.0%) 3,254 3,195 1.8%
Net interest income (NII) 12,304 12,090 1.8% 4,088 3,998 2.2%
Provision 1,216 12,561 (90.3%) (414) 827 (150.1%)
NII after provision 11,087 (471) N/A 4,502 3,171 41.9%
Non interest income 5,688 5,962 (4.6%) 1,374 2,032 (32.4%)
Non interest expenses 12,175 26,047 (53.3%) 4,180 3,975 5.2%
Net profit (loss) 4,414 (20,687) 121.3% 1,666 1,158 43.9%
TMB Bank Public Company Limited 5
Balance Sheets Balance Sheets –– Bank OnlyBank Only Unit : THB mmUnit : THB mm
UnreviewedUnreviewed 9M08 Highlights9M08 Highlights
Preliminary DataPreliminary Data
Summary Sep 08 Summary Sep 08 vsvs Dec07Dec07: : Loans: decline due mainly to a realignment through reduction of low-yield loans and loan repayment.Investment: increase due to asset management strategy to put more weight on fixed income investment but decrease weight on investment in equity securities.Deposits: decline but increasing borrowing to manage liquidity.Shareholders equity: improved from net profit and value appreciation from revaluation of the Bank’s premises.
Sep 08 Jun 08 % Dec 07 %
Investments - net 106,900 119,923 (10.9%) 95,598 11.8%
Loans 427,468 436,385 (2.0%) 466,075 (8.3%)
NPLs 67,152 66,784 0.6% 72,415 (7.3%)
Loan loss reserve (LLR) (46,724) (47,492) (1.6%) (50,559) (7.6%)
Properties foreclosed - net 18,903 18,860 0.2% 19,470 (2.9%)
Total assets 590,441 617,689 (4.4%) 619,151 (4.6%)
Deposits 433,753 435,141 (0.3%) 465,628 (6.8%)
Borrowings 70,832 79,853 (11.3%) 53,215 33.1%
Surplus on fixed assets revaluation 5,313 3,225 64.8% 3,249 63.5%
Shareholders equity 47,790 44,337 7.8% 43,322 10.3%
BV/Share 1.10 1.02 0.08 1.00 0.10(THB)
TMB Bank Public Company Limited 6
Consolidated Balance SheetsConsolidated Balance Sheets Unit : THB mmUnit : THB mm
Preliminary DataPreliminary Data
UnreviewedUnreviewed 9M08 & 3Q08 Highlights9M08 & 3Q08 Highlights
Sep 08 Jun 08 % Dec 07 %
Investments - net 107,849 120,180 (10.3%) 96,346 11.9%
Loans 427,484 436,171 (2.0%) 464,895 (8.0%)
NPLs 70,741 70,500 0.3% 76,512 (7.5%)
Loan loss reserve (LLR) (48,255) (49,023) (1.6%) (52,114) (7.4%)
Properties foreclosed - net 21,481 21,684 (0.9%) 22,556 (4.8%)
Total assets 592,987 621,578 (4.6%) 622,161 (4.7%)
Deposits 433,500 434,846 (0.3%) 465,462 (6.9%)
Borrowings 70,832 79,942 (11.4%) 53,416 32.6%
Surplus on fixed assets revaluation 5,313 3,225 64.8% 3,249 63.5%
Shareholders equity 48,488 45,604 6.3% 44,520 8.9%
BV/Share 1.11 1.05 0.07 1.02 0.09(THB)
TMB Bank Public Company Limited 7
Key Ratios Key Ratios Unit : THB mmUnit : THB mm
Preliminary DataPreliminary Data
Key Ratios Key Ratios –– Bank OnlyBank Only
9M08 9M07 % 3Q08 2Q08 %
Loan yield 5.4% 5.8% (0.4%) 5.6% 5.3% 0.4%
NIM 2.7% 2.3% 0.4% 2.7% 2.7% -
Fee income/assets 0.7% 0.6% 0.1% 0.7% 0.6% 0.1%
Non interest income/ total income 17.9% 13.7% 4.3% 14.5% 18.4% (3.9%)
Cost to income 67.2% 151.8% (84.6%) 74.7% 65.3% 9.4%
Fully Diluted EPS 0.10 (1.12) 1.22 0.04 0.03 0.01
Sep 08 Jun 08 % Dec 07 %
NPL ratio (Gross) 14.6% 14.4% 0.2% 15.2% (0.6%)
NPL ratio (Net) 7.3% 7.3% - 8.2% (0.9%)
LLR/NPL 69.6% 71.1% (1.5%) 69.8% (0.2%)
LDR 98.6% 100.3% (1.7%) 100.1% (1.5%)
Tier1 12.9% 11.8% 1.1% 10.6% 2.3%
CAR 17.4% 16.5% 0.9% 14.4% 3.0%
BV/share (THB) 1.10 1.02 0.08 1.00 0.10
TMB Bank Public Company Limited 8
Key Ratios Key Ratios -- ConsolidatedConsolidated
Key Ratios Key Ratios Unit : THB mmUnit : THB mm
Preliminary DataPreliminary Data
Key Ratios Key Ratios -- ConsolidatedConsolidated
* Bank Only
****
9M08 9M07 % 3Q08 2Q08 %
Loan yield 5.4% 5.9% (0.5%) 5.7% 5.3% 0.3%
NIM 2.7% 2.3% 0.4% 2.7% 2.6% 0.1%
Fee income/assets 0.8% 0.8% - 0.8% 0.8% -
Non interest income/ total income 20.6% 18.5% 2.1% 15.8% 22.0% (6.3%)
Cost to income 67.7% 144.3% (76.6%) 76.5% 65.9% 10.6%
Fully Diluted EPS 0.10 (1.11) 1.21 0.04 0.03 0.01
Sep 08 Jun 08 % Dec 07 %
NPL ratio (Gross) 15.4% 15.2% 0.2% 16.1% (0.7%)
NPL ratio (Net) 7.9% 7.9% - 8.9% (1.0%)
LLR/NPL 68.2% 69.5% (1.3%) 68.1% 0.1%
LDR 98.6% 100.3% (1.7%) 99.9% (1.3%)
Tier1 12.9% 11.7% 1.2% 10.5% 2.4%
CAR 17.4% 16.4% 1.0% 14.4% 3.1%
BV/share (THB) 1.11 1.05 0.07 1.02 0.09
TMB Bank Public Company Limited 9
9M08 & 3Q08 Preliminary Results
Preliminary Result Analysis
Appendix
9M08 & 3Q08 Preliminary Results9M08 & 3Q08 Preliminary Results
Preliminary Result AnalysisPreliminary Result Analysis
AppendixAppendix
TMB Bank Public Company Limited 10
2.38
2.212.13 2.10
2.20
3.00
3.353.51
3.31
2.88
2.33
1Q06 2Q06 3Q06 4Q06 1Q07 2Q07 3Q07 4Q07 1Q08 2Q08 3Q08
Net Interest Income Net Interest Income (THB mm)(THB mm) CommentaryCommentary
Continued Improvement in Core EarningsContinued Improvement in Core Earnings
Quarterly NIMQuarterly NIM Quarterly Cost of Deposits Quarterly Cost of Deposits (THB mm)(THB mm)Bank Only
Preliminary DataPreliminary Data
2.0% 2.1%2.5% 2.5%
2.7% 2.7% 2.6% 2.7%
4Q06 1Q07 2Q07 3Q07 4Q07 1Q08 2Q08 3Q08
NIM
14,698 15,14116,442
12,30412,090
2.1% 2.1%
2.4%
0
4,000
8,000
12,000
16,000
2005 2006 2007 9M07 9M08
NII NIM 9M08 vs 9M07: Improving NII & NIM due mainly to Drop in cost of fund exceed drop in loan yield
3Q08 vs 2Q08: Improving NII & NIM due mainly to Impact from MLR increase (in 2Q08) to loan yield was recognized faster than impact from increase in fixed deposit rates to funding cost
TMB Bank Public Company Limited 11
NonNon--Interest Income BreakdownInterest Income Breakdown
(THB mm)(THB mm)
Commentary 9M08 Commentary 9M08 vsvs 9M079M07
Preliminary DataPreliminary Data
Items 9M08 9M07 % 3Q08 2Q08 %
Gain on investments 170 453 (283) (62.4%) (330) 35 (365) -
Share of profit (loss) on equity 198 216 (17) (8.1%) 66 71 (4) (5.9%)
Fees and service income 3,858 3,955 (97) (2.4%) 1,222 1,287 (65) (5.0%)
Gain on exchange 863 853 10 1.1% 274 253 21 8.3%
Gain on sale of assets 232 - 232 N/A 59 157 (98) (62.4%)
Other income 366 485 (119) (24.5%) 83 231 (148) (64.0%)
Total Non-interest Income 5,688 5,962 (274) (4.6%) 1,374 2,032 (658) (32.4%)
Decrease in non-interest income due mainly to Gain on investments reduced from volatile market, and impairment charge in 3Q08 to securities that market prices had been below cost for a certain period. Fee income dropped slightly by THB 97 mm or 2.4% mainly from lower credit related fee
TMB Bank Public Company Limited 12
NonNon--Interest Expenses BreakdownInterest Expenses Breakdown
(THB mm)(THB mm)
Commentary 9M08 Commentary 9M08 vsvs 9M079M07
Preliminary DataPreliminary Data
Decrease in non-interest expenses was mainly from absence of goodwill amortization & impairmentIf excluding goodwill amortization & impairment, non-interest expense would decrease by 9.5% due mainly to:
Decreased in taxes & duties from decrease in SBT tax rate Reduction of provision set aside for possible loss sharing from impaired assets transferred to TAMC. However, the increase in loss on provision of obligation was due to reclassification of provision for off-balance sheet contingencies of ~THB 800 mm from provision for doubtful accounts and bad debts
Items 9M08 9M07 % 3Q08 2Q08 %
Personnel expenses 3,782 3,539 243 6.9% 1,334 1,257 76 6.1%
Premises and equipment 1,926 1,913 13 0.7% 642 673 (30) (4.5%)
Taxes and duties 673 1,032 (359) (34.8%) 221 213 8 3.6%
Fees and service expenses 875 932 (57) (6.1%) 291 305 (14) (4.5%)
FIDF 1,404 1,656 (252) (15.2%) 457 474 (17) (3.5%)
Loss on impairment of properties foreclosed and other assets 706 717 (10) (1.5%) 356 247 109 44.2%
Loss on sale of assets - 355 (355) - - - - N/A
Loss on provision of obligation 1,198 1,633 (435) (26.6%) 350 283 67 23.5%
Goodwill amortization & impairment - 12,237 (12,237) - - - - N/A
Others 1,611 2,034 (423) (20.8%) 529 522 7 1.2%
Total 12,175 26,047 (13,872) (53.3%) 4,180 3,975 205 5.2%
TMB Bank Public Company Limited 13
715752
622593
200
400
600
800
2005 2006 2007 9M08
Asset HighlightsAsset Highlights
Loans Loans (THB (THB bnbn))
Investments Investments (THB (THB bnbn))
Total Assets Total Assets (THB (THB bnbn))
Commentary : Commentary : Movement from 2007Movement from 2007
Preliminary DataPreliminary Data
554 541
465427
200
250
300
350
400
450
500
550
600
2005 2006 2007 9M08
Total assets decreased from :Loan THB 37 bn, or 7.9% from realigned loan mix & repaymentInvestment THB 12 bn from investment in BOT bonds
106116
96108
0
20
40
60
80
100
120
140
2005 2006 2007 9M08
TMB Bank Public Company Limited 14
Loan Outstanding Breakdown : Bank OnlyLoan Outstanding Breakdown : Bank Only
By IndustryBy Industry
Loan Growth by SectorLoan Growth by Sector
Total = THB 427 bn
By SectorBy Sector
Total = THB 427 bn
Preliminary DataPreliminary Data
Manufacturing28%
Service11%
Banking & Finance6%
Real Estate6%
Personal consumption18%
Others10%
Public Utilities11%
W holesales & Retail10%
ConsumerTHB 75 bn
18%CorporateTHB 164 bn
38%
SMETHB 188 bn
44%
172143
71
69
72
67
466
427
148151
2007 9M08
PL Corporate PL SMEPL Consumer NPL
7.3 %5 bn
3 %2 bn
1.2 %2 bn
17.1 %29 bn
TMB Bank Public Company Limited 15
6.3% 5.9%
11.2% 11.3%
0%
2%
4%
6%
8%
10%
12%
2005 2006 2007 9M08
13.4%11.3%
16.1% 15.4%
9.4%7.2%
8.9% 7.9%
74,485 61,918 76,512 70,741
2005 2006 2007 9M08
NPLs Ratio (Gross) NPLs Ratio (Net)
NPL / Total Loans NPL / Total Loans (THB mm)(THB mm) LLR / Total LoansLLR / Total Loans (LLR / NPL 68%)(LLR / NPL 68%)
Asset QualityAsset Quality
Properties Foreclosed Properties Foreclosed –– netnet (THB mm)(THB mm)
Preliminary DataPreliminary Data
CommentaryCommentary
* Properties Foreclosed - net/Total Assets* Properties Foreclosed - net/Total Assets
4.5%4.0%
3.6% 3.6%
21,48122,55629,81231,875
2005 2006 2007 9M08
Properties foreclosed and NPL decreased mainly from the accelerate sales and debt restructuring efforts
TMB Bank Public Company Limited 16
LDRLDR
Liquidity & Funding StructureLiquidity & Funding Structure
Funding Breakdown Funding Breakdown (THB (THB bnbn))
Deposit Structure : Bank onlyDeposit Structure : Bank only (THB (THB bnbn))
Total deposit THB 32 bn from savings deposit
Preliminary DataPreliminary Data
Current 19.7 4.2% 18.1 4.2% 19.7 4.5% (0.0) (0.1%)
Savings 173.9 37.3% 164.5 37.8% 141.6 32.6% (32.3) (18.6%)
T/D <=12 mths. 231.0 49.6% 204.5 47.0% 228.7 52.7% (2.3) (1.0%)
T/D > 12 mths. 40.4 8.7% 47.2 10.9% 43.0 9.9% 2.5 6.3%
NCD & FCD 0.6 0.1% 0.7 0.2% 0.8 0.2% 0.2 30.7%
Total 465.6 100.0% 435.1 100.0% 433.8 100.0% (31.9) (6.8%)
Sep-08Jun-08Dec -07 Growth(Dec-07)
517569
466434
67
55
4761
4122
2511
6
631
544
10
38
5
516
684
82.0% 83.2% 85.6% 84.1%0
100
200
300
400
500
600
700
2005 2006 2007 9M08
ST BondsInterbank & MMBorrowingDeposits
107.4%95.4% 100.1% 98.6%103.2%
88.8%98.5% 96.1%
2005 2006 2007 9M08
LDR LDR (Include P/N,ST Bonds)
TMB Bank Public Company Limited 17
9M08 & 3Q08 Preliminary Results
Preliminary Result Analysis
Appendix
9M08 & 3Q08 Preliminary Results9M08 & 3Q08 Preliminary Results
Preliminary Result AnalysisPreliminary Result Analysis
AppendixAppendix
TMB Bank Public Company Limited 18
Consolidated Profit and LossConsolidated Profit and Loss
(THB mm)(THB mm)
Preliminary DataPreliminary Data
9M08 9M07 % 3Q08 2Q08 %
Interest income 21,931 26,252 (16.5%) 7,342 7,193 2.1%
Interest expenses 9,628 14,162 (32.0%) 3,254 3,195 1.8%
Net interest income 12,304 12,090 1.8% 4,088 3,998 2.2%
Provision & loss from TDR 1,216 12,561 (90.3%) (414) 827 (150.1%)
Net income after provision & loss from TDR 11,087 (471) 2,453.2% 4,502 3,171 41.9%
Non-interest income 5,688 5,962 (4.6%) 1,374 2,032 (32.4%)
Non-interest expenses 12,175 26,047 (53.3%) 4,180 3,975 5.2%
Net income before tax 4,601 (20,556) 122.4% 1,696 1,229 38.0%
Income tax 82 60 35.4% 19 17 7.8%
Net profit (loss) 4,414 (20,687) 121.3% 1,666 1,158 43.9%
Weighted Basic EPS (Baht) 0.11 (1.25) 1.36 0.04 0.03 0.01
TMB Bank Public Company Limited 19
(THB mm)(THB mm)
Consolidated Balance SheetsConsolidated Balance Sheets
Preliminary DataPreliminary Data
Sep 08 Jun 08 % Dec 07 %
11,262 10,906 3.3% 10,289 9.5%
41,974 43,124 (2.7%) 20,760 102.2%
- - - 27,800 N/A
107,849 120,180 (10.3%) 96,346 11.9%
427,484 436,171 (2.0%) 464,895 (8.0%)
(48,255) (49,023) (1.6%) (52,114) (7.4%)
379,230 387,148 (2.0%) 412,781 (8.1%)
21,481 21,684 (0.9%) 22,556 (4.8%)
14,424 12,620 14.3% 13,067 10.4%
11 323 (96.7%) 323 (96.7%)
16,757 25,593 (34.5%) 18,241 (8.1%)
592,987 621,578 (4.6%) 622,161 (4.7%)Total assets
Properties foreclosed - net
Premises and equipment - net
Goodwill
Other assets - net
Investments in securities - net
Loans
LLR
Loans - net
Assets
Cash
Interbank & money market items
Securities purchased under resale
TMB Bank Public Company Limited 20
(THB mm)(THB mm)
Consolidated Balance SheetsConsolidated Balance Sheets
Preliminary DataPreliminary Data
* Bank Only
Sep 08 Jun 08 % Dec 07 %
433,500 434,846 (0.3%) 465,462 (6.9%)
11,192 11,870 (5.7%) 24,993 (55.2%)
- - - 4,765 N/A
70,832 79,942 (11.4%) 53,416 32.6%
28,975 49,316 (41.2%) 29,005 (0.1%)
544,499 575,974 (5.5%) 577,641 (5.7%)
43,529 43,529 0.0% 43,529 0.0%
48,488 45,604 6.3% 44,520 8.9%
592,987 621,578 (4.6%) 622,161 (4.7%)
12.9% 11.7% 1.2% 10.5% 2.4%
17.4% 16.4% 1.0% 14.4% 3.1%
Total liabilities & equity
Liabilities & Equity
Tier 1
CAR
Other liabilities
Total liabilities
No. of shares outstanding
Total shareholders’ equity
Securities sold under repurchase
Deposits
Interbank and money market items
Borrowings
**
TMB Bank Public Company Limited 21
Profit and Loss Profit and Loss –– Bank OnlyBank Only
(THB mm)(THB mm)
Preliminary DataPreliminary Data
9M08 9M07 % 3Q08 2Q08 %
Interest income 21,939 25,998 (15.6%) 7,316 7,285 0.4%
Interest expenses 9,493 14,171 (33.0%) 3,208 3,151 1.8%
Net interest income 12,446 11,827 5.2% 4,108 4,134 (0.6%)
Provision & loss from TDR 1,217 12,572 (90.3%) (415) 822 (150.5%)
Net income after provision & loss from TDR 11,229 (744) 1,608.9% 4,523 3,311 36.6%
Non-interest income 4,799 4,125 16.3% 1,241 1,641 (24.4%)
Non-interest expenses 11,594 24,219 (52.1%) 3,996 3,771 6.0%
Net income before tax 4,434 (20,838) 121.3% 1,769 1,182 49.7%
Income tax 0 1 - 0 0 N/A
Net profit (loss) 4,434 (20,839) 121.3% 1,769 1,182 49.7%
Weighted Basic EPS (Baht) 0.11 (1.26) 1.37 0.04 0.03 0.01
TMB Bank Public Company Limited 22
(THB mm)(THB mm)
Balance Sheets Balance Sheets –– Bank OnlyBank Only
Preliminary DataPreliminary Data
Sep 08 Jun 08 % Dec 07 %
11,262 10,886 3.5% 10,287 9.5%
41,750 41,269 1.2% 19,599 113.0%
- - - 27,800 N/A
106,900 119,923 (10.9%) 95,598 11.8%
427,468 436,385 (2.0%) 466,075 (8.3%)
(46,724) (47,492) (1.6%) (50,559) (7.6%)
380,744 388,893 (2.1%) 415,517 (8.4%)
18,903 18,860 0.2% 19,470 (2.9%)
14,355 12,505 14.8% 12,942 10.9%
- - - - -
16,527 25,353 (34.8%) 17,938 (7.9%)
590,441 617,689 (4.4%) 619,151 (4.6%)
Assets
Cash
Interbank & money market items
Securities purchased under resale
Investments in securities - net
Loans
LLR
Loans - net
Properties foreclosed - net
Premises and equipment - net
Goodwill
Other assets - net
Total assets
TMB Bank Public Company Limited 23
(THB mm)(THB mm)
Balance Sheets Balance Sheets –– Bank OnlyBank Only
Preliminary DataPreliminary Data
Sep 08 Jun 08 % Dec 07 %
433,753 435,141 (0.3%) 465,628 (6.8%)
11,200 11,207 (0.1%) 25,081 (55.3%)
- - - 4,765 N/A
70,832 79,853 (11.3%) 53,215 33.1%
26,866 47,152 (43.0%) 27,140 (1.0%)
542,651 573,352 (5.4%) 575,829 (5.8%)
43,529 43,529 0.0% 43,529 0.0%
47,790 44,337 7.8% 43,322 10.3%
590,441 617,689 (4.4%) 619,151 (4.6%)
12.9% 11.8% 1.1% 10.6% 2.3%
17.4% 16.5% 0.9% 14.4% 3.0%
Deposits
Interbank and money market items
Borrowings
Total liabilities & equity
Liabilities & Equity
Tier 1
CAR
Other liabilities
Total liabilities
No. of shares outstanding
Total shareholders’ equity
Securities sold under repurchase
TMB Bank Public Company Limited 24
News Campaigns & ProductsNews Campaigns & Products
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 Content”) on this presentation. Some content may contain forward looking statements, that based on management’s view upon the information currently available to us. These statement are subject to certain risks and uncertainties that could cause the actual results materially differed from what had been previously stated. The materials in this presentation shall not, and are not intended to, constitute or contain an offer to sell or the solicitation of an offer to buy, any securities of TMB Bank Public Company Limited.
IR contactsIR contactsNisaNisa LaohasomboonLaohasomboon Tel. 66Tel. 66--22992299--29262926 EE--mail mail [email protected]@tmbbank.comJittrawadeeJittrawadee SrivichitSrivichit Tel. 66Tel. 66--22992299--11781178 EE--mail mail [email protected]@tmbbank.comInvestor RelationsInvestor Relations Tel. 66Tel. 66--22992299--29272927 EE--mail mail [email protected]@tmbbank.com