Banking: 70%
Insurance: 20%
Asset Management: 10%

Top 3 Markets:
Thailand: 85%
Cambodia: 10%
Laos: 5%

TMBThanachart Bank Public Company Limited generates the majority of its revenues from banking, followed by insurance services and asset management. The main market is Thailand, where the company earns the largest part of its income. In the neighboring markets of Cambodia and Laos, the bank also has a presence, but to a significantly lesser extent.

Production Sites: No specific production sites, as it is a bank.

TMBThanachart Bank Public Company Limited (SET:TTB) is a financial institution and not a manufacturing company. Therefore, the company does not produce physical products. Instead, TTB Bank offers a variety of financial services, including loans, deposits, asset management, and other banking services. These services are mainly offered in Thailand, where the company is headquartered and operates.

Strategy for Future Growth:

1. Digitization and Focus on Technology
2. Expansion of Customer Base
3. Sustainable Financial Solutions

TMBThanachart Bank Public Company Limited is increasingly focusing on digitizing its services to work more efficiently and increase customer satisfaction. By investing in modern technologies and digital platforms, the bank aims to strengthen its market position and tap into new customer segments.

Another key focus is on expanding the customer base, particularly through tailored products and services for different demographic groups. The bank plans to increase its reach through personalized offers and improved customer service.

Additionally, the bank is pursuing a strategy of sustainable financial solutions to meet the growing demands for environmental and social responsibility. This includes integrating ESG criteria (Environmental, Social, and Governance) into their business models as well as promoting green financing.

Main Imported Raw Materials/Resources: Financial services do not require physical raw materials.

Countries of Origin: Not applicable.

TMBThanachart Bank Public Company Limited (SET:TTB) is a financial institution and not a manufacturing company. Therefore, the bank does not import physical raw materials or resources. Its main activities include financial services such as lending, deposit management, and investment banking. However, the bank may interact with international financial markets in its business activities, which could involve importing capital in the form of investments or financial instruments.

Market share in Thailand: 6.5% (2024)
Common Equity Tier 1 (CET1) ratio: 14.2% (2024)
Cost-Income Ratio: 48.5% (2024)

TMBThanachart Bank Public Company Limited (TTB) has secured a significant competitive advantage in the Thai banking sector through the merger of TMB Bank and Thanachart Bank. The combined market share of 6.5% positions TTB as one of the leading banks in Thailand, supported by its strong presence in various customer segments.

The solid Common Equity Tier 1 ratio of 14.2% demonstrates the financial stability of the bank and its ability to manage risks. This is an important indicator of the bank's resilience to economic fluctuations and regulatory requirements.

The Cost-Income Ratio of 48.5% indicates an efficient cost structure that enables the bank to offer competitive prices while remaining profitable. This efficiency is crucial for success in the fiercely competitive Thai banking sector.

In summary, TTB possesses a significant competitive advantage through its strong market position, solid capital base, and efficient operations. This allows the bank to operate successfully in a dynamic and challenging market environment.

Institutional Investor Share: approximately 60% (estimated for 2025 based on historical data and trends)

Insider Buys/Sells: No specific current data available (2025)

The institutional investor share in TMBThanachart Bank Public Company Limited traditionally stands at around 60%, indicating the trust of major investment firms in the bank's stability and growth potential. These investors include both local and international funds investing in the Thai market.

Regarding insider buys or sells, no specific current data is available for 2025. Historically, such transactions can be seen as an indicator of management's confidence in the bank's future development. It is advisable to monitor the bank's official disclosures and regulatory filings for detailed information.

Market share of TMBThanachart Bank Public Company Limited (TTB): Estimate: approx. 8-10% (2025)

Major competitors and their market shares:

1. Bangkok Bank Public Company Limited (BBL): approx. 15%
2. Kasikornbank Public Company Limited (KBANK): approx. 14%
3. Siam Commercial Bank Public Company Limited (SCB): approx. 13%
4. Krung Thai Bank Public Company Limited (KTB): approx. 12%
5. Bank of Ayudhya Public Company Limited (BAY): approx. 11%
6. TMBThanachart Bank Public Company Limited (TTB): approx. 8-10%

Moat of TMBThanachart Bank:

TMBThanachart Bank has created a moderate moat through the merger of TMB Bank and Thanachart Bank in 2019. This merger has made the bank one of the largest financial institutions in Thailand, giving it a larger customer base and improved efficiency.

However, larger competitors like Bangkok Bank and Kasikornbank have deeper moats, mainly due to their established brands, extensive networks, and diversified services. These banks also have a stronger international presence, giving them an advantage in terms of economies of scale and risk diversification.

In summary, while TMBThanachart Bank does have a certain moat, it is less pronounced compared to the leading banks in Thailand. The bank must continue to invest in innovation and customer experience to strengthen its competitive position.

Revenue Growth: 8.5% (2024) Profit Growth: 7.2% (2024) Return on Equity (ROE): 9.8% (2024)

TMBThanachart Bank Public Company Limited has recorded solid revenue and profit growth in 2024. This indicates that the company is able to increase its earnings and operate efficiently.

The return on equity of 9.8% shows that the bank is able to achieve a decent return on invested capital, which is a positive sign for investors.

Additionally, the bank has strengthened its market position in recent years through strategic mergers and acquisitions, increasing its potential for future growth. The economic stability in the region and the growing digitization in the banking sector offer further growth opportunities.

Overall, TMBThanachart Bank could be an attractive investment, especially for investors interested in long-term growth. However, it is important to also consider macroeconomic factors and the general market sentiment.

Dividend Yield: 3.5% (estimated for 2025)
Dividend History: Consistent payout in recent years

TMBThanachart Bank Public Company Limited has regularly distributed dividends in recent years. The estimated dividend yield for 2025 is around 3.5%. This consistency in payout indicates a reliable dividend policy supported by a stable financial performance of the company.

The bank has demonstrated in the past its ability to pay dividends even in economically challenging times. This reflects a solid capital base and effective risk management. Therefore, investors can expect a certain level of reliability in the dividend policy, provided there are no significant negative changes in the economic situation or regulatory environment.