Financial Highlight 57% Retail loans Net Profit THB 10,474 mn. +3.6% High portion of retail deposit base which is a stable deposit source Robust Capital Base High level of capital adequacy Capital Adequacy Ratio 19.3% Avoid concentration risk by leaning toward retail lending base, especially low risk-secured loans from mortgage and hire purchase Stable Deposit Structure Deposits THB 1,339 billion Diversified Loan Portfolio Loans THB 1,372 billion 74% Retail deposits 26% Commercial deposits Term loans Working capital Trade finance Personal loan Credit card & Others Hire purchase Mortgage 5% 29% 23% 6% 17% 21% Under fragile economic environment affected by Covid-19 epidemic, TMBThanachart maintained conservative business direction and continued to further improve deposit and loan portfolio quality. Our key objective was to preserve financial strengths for resuming quality growth once economic situation allows. At the same time, we also focused on merger initiatives. With successful execution, we could capture synergy realization and completed the integration process as planned. Following the merger completion, TMBThanachart was announced as one of D-SIBs or Domestic Systemically Important Banks. This reflected the Bank’s systemic importance to the country’s financial stability and economy. TMBThanachart Bank Public Company Limited 38
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