TMBThanachart Bank Public Company Limited

TMBBY

TMBThanachart Bank Public Company Limited, together with its subsidiaries, provides various commercial banking products and services to individuals, small and medium sized enterprises (SME), and corporate customers primarily in Thailand. It operates through Commercial Banking and Retail Banking segments. The company offers basic, current, cash concentration, corporate liquidity, term and foreign currency deposit, multi-currency, and savings accounts; working capital, personal, home, auto, credit card, long-term, unsecured, and other loans, as well as special funding programs for SME, letter of guarantee, and supply chain solutions; and debit, credit, and corporate cards. It also provides trade finance, foreign exchange and currency, financial management, hire purchase, finance leasing, bancassurance, and mutual funds, asset management, insurance brokerage, investment banking and advisory, import and export trading, payment, collection, liquidity management, capital market risk management, agency, and other financial services. In addition, the company offers wealth banking, mobile and Internet banking services; mutual funds; and business and properties protection, life and health, personal accident, motor, and travel insurance products. As of December 31, 2021, it operated 636 branches; 3,043 ATMs; and 598 CDMs. The company was formerly known as TMB Bank Public Company Limited and changed its name to TMBThanachart Bank Public Company Limited in May 2021. TMBThanachart Bank Public Company Limited was founded in 1957 and is headquartered in Bangkok, Thailand.

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profit Waterfall Analysis

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Profitability Margins

Operating Income Margini

21.89%

Operating Income = $4.93B

Revenue = $22.53B

Pre-tax Profit Margini

21.60%

Income Before Tax = $4.87B

Revenue = $22.53B

Net Profit Margini

19.81%

Net Income = $5.24B

Revenue = $22.53B

Tax Metrics

Effective Tax Ratei

-4.10%

Income Tax Expense = $-0.20B

Income Before Tax = $4.87B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $9.80B

Financial Sector PPNR Metrics

PPNRi

$6.39B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $12.02B | non interest income: $5.69B | non interest expense: $11.32B

PPNR Margini

28.36%

PPNR = $6.39B

Revenue = $22.53B

PPNR / Avg Assetsi

0.38%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $6.39B | avg total assets: $1702.78B

Cost Efficiency Metrics

Efficiency Ratioi

50.25%

Non-Interest Expense = $11.32B

Revenue = $22.53B

Cost-to-Incomei

50.25%

Operating Expenses = $11.32B

Revenue = $22.53B

Cost-to-Assetsi

0.66%

Operating Expenses = $11.32B

Avg Total Assets = $1702.78B

Operating Leverage Metrics

Operating JAWSi

N/A

Revenue Growth = N/A

Expense Growth = N/A

Operating Margin Expansioni

N/A

Current Operating Margin = N/A

Prior Operating Margin = N/A

Earnings Quality Metrics

Earnings Qualityi

3.38x

Operating Cash Flow = $17.69B

Net Income = $5.24B

Accruals / Avg Assetsi

-0.73%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $5.24B | operating cash flow: $17.69B | avg total assets: $1702.78B

Volatility Metrics

PPNR Volatilityi

N/A

Core Revenue Volatilityi

N/A

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $22.53B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $11.32B | employee count: N/A

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Capital Adequacy

Tangible Common Equity (TCE)i

THB218.99B

Tangible Assets (TA)i

THB1677.45B

TCE / TA Ratioi

13.05%

✅ Healthy

TCE = THB218.99B

TA = THB1677.45B

Leverage

Equity / Assets (E/A)i

14.35%

Total Equity = THB244.31B

Total Assets = THB1702.78B

Assets / Equity (A/E)i

6.97x

Total Assets = THB1702.78B

Total Equity = THB244.31B

Capital Quality

AOCI / TCEi

6.94%

✅ Healthy

AOCI = THB15.20B

TCE = THB218.99B

(Goodwill + Intangibles) / Equityi

10.36%

✅ Healthy

GW+Intangibles = THB25.32B

Total Equity = THB244.31B

Liquidity

Liquidity Buffer (HQLA proxy)i

0.00%

🔴 Risk

Cash+ST Inv = THB0.00B

Total Assets = THB1702.78B

Funding Structure

Wholesale Funding Ratio (Core)i

7.77%

✅ Healthy

ST+LT Debt = THB113.36B

Total Liabilities = THB1458.47B

Securities / Assetsi

0.00%

✅ Healthy

ST+LT Inv = THB0.00B

Total Assets = THB1702.78B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

THB218.99B

ATCE / TAi

13.05%

TCE ATCE = THB218.99B

TA = THB1677.45B

ATCE Scissor Spreadi

0 bps

✅ Healthy

TCE/TA = 1305.00%

ATCE/TA = 1305.00%

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Cash Flow Waterfall Chart

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Inflow

Outflow

Subtotal

Start/End

Cash Generation Capability

Earnings Cash Contenti

3.96x

TTM Operating Cash Flow = $17.69B

TTM Net Income = $4.46B

Cash Flow ROA (CFROA)i

N/A

TTM Operating Cash Flow = $17.69B

Average Total Assets = N/A

Liquidity / Solvency

Cash Flow Adequacyi

2.08x

TTM Operating Cash Flow = $17.69B

CapEx + 债务偿还 + 分红 CapEx + Debt Repayment + Dividends = $8.50B

OCF / Short-Term Debti

N/A

TTM Operating Cash Flow = $17.69B

Short-Term Debt = $0.00B

Sustainability / Stability

OCF Growth Rate (YoY)i

N/A

Current Quarter OCF = N/A

Same Quarter Last Year OCF = N/A

OCF Volatility (CV)i

N/A

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Capital Adequacy

Tangible Common Equity (TCE)i

THB218.99B

Tangible Assets (TA)i

THB1677.45B

TCE / TA Ratioi

13.05%

✅ Healthy

TCE = THB218.99B

TA = THB1677.45B

Leverage

Equity / Assets (E/A)i

14.35%

Total Equity = THB244.31B

Total Assets = THB1702.78B

Assets / Equity (A/E)i

6.97x

Total Assets = THB1702.78B

Total Equity = THB244.31B

Capital Quality

AOCI / TCEi

6.94%

✅ Healthy

AOCI = THB15.20B

TCE = THB218.99B

(Goodwill + Intangibles) / Equityi

10.36%

✅ Healthy

GW+Intangibles = THB25.32B

Total Equity = THB244.31B

Liquidity

Liquidity Buffer (HQLA proxy)i

0.00%

🔴 Risk

Cash+ST Inv = THB0.00B

Total Assets = THB1702.78B

Funding Structure

Wholesale Funding Ratio (Core)i

7.77%

✅ Healthy

ST+LT Debt = THB113.36B

Total Liabilities = THB1458.47B

Securities / Assetsi

0.00%

✅ Healthy

ST+LT Inv = THB0.00B

Total Assets = THB1702.78B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

THB218.99B

ATCE / TAi

13.05%

TCE ATCE = THB218.99B

TA = THB1677.45B

ATCE Scissor Spreadi

0 bps

✅ Healthy

TCE/TA = 1305.00%

ATCE/TA = 1305.00%

Profitability Margins

Operating Income Margini

21.89%

Operating Income = $4.93B

Revenue = $22.53B

Pre-tax Profit Margini

21.60%

Income Before Tax = $4.87B

Revenue = $22.53B

Net Profit Margini

19.81%

Net Income = $5.24B

Revenue = $22.53B

Tax Metrics

Effective Tax Ratei

-4.10%

Income Tax Expense = $-0.20B

Income Before Tax = $4.87B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $9.80B

Financial Sector PPNR Metrics

PPNRi

$6.39B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $12.02B | non interest income: $5.69B | non interest expense: $11.32B

PPNR Margini

28.36%

PPNR = $6.39B

Revenue = $22.53B

PPNR / Avg Assetsi

0.38%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $6.39B | avg total assets: $1702.78B

Cost Efficiency Metrics

Efficiency Ratioi

50.25%

Non-Interest Expense = $11.32B

Revenue = $22.53B

Cost-to-Incomei

50.25%

Operating Expenses = $11.32B

Revenue = $22.53B

Cost-to-Assetsi

0.66%

Operating Expenses = $11.32B

Avg Total Assets = $1702.78B

Operating Leverage Metrics

Operating JAWSi

N/A

Revenue Growth = N/A

Expense Growth = N/A

Operating Margin Expansioni

N/A

Current Operating Margin = N/A

Prior Operating Margin = N/A

Earnings Quality Metrics

Earnings Qualityi

3.38x

Operating Cash Flow = $17.69B

Net Income = $5.24B

Accruals / Avg Assetsi

-0.73%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $5.24B | operating cash flow: $17.69B | avg total assets: $1702.78B

Volatility Metrics

PPNR Volatilityi

N/A

Core Revenue Volatilityi

N/A

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $22.53B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $11.32B | employee count: N/A

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TMBThanachart Bank Public Company Limited

🔍 Business Model Analysis (DuPont Model)

Financial Metrics

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)

Asset Turnover (TTM)

SG&A/Revenue - SG&A Efficiency (TTM)

Operating Expense Ratio (TTM)

Cost-to-Income Ratio (TTM)

Revenue per Employee (Quarterly)

🎁 Shareholder Returns

Dividend Yield (TTM)

Buyback Yield (TTM)

TSR - Total Shareholder Return (1Y)

Dividend Growth CAGR (3Y)

Income Statement Analysis

Profit Waterfall Analysis

Balance Sheet Analysis

Cash Flow Statement Analysis

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)