ttb bank
TTB Bank (TMBThanachart Bank) is a top-five Thai commercial bank formed from the 2019 TMB-Thanachart merger, listed on SET, serving retail, SME, corporate, and wealth customers through branches, digital platforms, and ecosystem partnerships across Thailand.
- Company typePublic
- Founded2019
- HeadquartersBangkok, Thailand
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What ttb bank does
TTB Bank (legal name: TMBThanachart Bank Public Company Limited, ธนาคารทหารไทยธนชาต จำกัด (มหาชน)) is one of Thailand's top five commercial banks, formed in 2019 through the merger of TMB (Thai Military Bank, ทีเอ็มบี) and Thanachart Bank (ธนชาต) under the unified 'ttb' brand (ticker: TMB on the Stock Exchange of Thailand). Headquartered at 3000 Phahon Yothin Rd., Chatuchak, Bangkok, the bank serves four primary customer segments — personal/retail, SME, corporate, and high-net-worth wealth (ttb reserve) — through a hybrid omni-channel model combining an extensive physical branch network, dedicated contact centers, and digital banking platforms (ttb touch mobile app, ttb business one, ttb business click).
The product portfolio spans deposits, debit and credit cards (including ttb reserve infinite/signature, Disney, So Fast, So Smart, Absolute), personal and SME loans (ttb SME SmartBiz, ttb SME Smart Plus), corporate lending, supply chain financing (ttb Supply Chain), multi-currency accounts, HR and payroll solutions (ttb Total HR Solution), fleet cards (ttb web fleet service), and dealer financing (ttb DRIVE app), supported by wholly-owned subsidiaries covering brokerage (ttb broker, Thanachart Securities, ttb wealth securities), consumer lending (ttb consumer), leasing (ttb leasing), asset management (Eastspring, PAMCO), and Roddonjai lending. Supporting platforms include ttb analytics for market intelligence and content platforms fin tips and finbiz for customer education.
TTB generates revenue through traditional banking interest income, fee and commission income, credit card fees (16% APR on ttb reserve balances), FX conversion fees (2.5% for standard customers, waived for qualifying wealth customers), and SME/corporate banking services. The bank pursues a 'Financial Well-being' value proposition across four pillars (smart saving and spending, healthy borrowing, investing for the future, sufficient protection), and is expanding into SME ecosystem partnerships with LINE MAN Wongnai, FlowAccount, and Skooldo. Operational scale is substantial at 10,000+ employees, with regulatory oversight from the Bank of Thailand and Thai SEC.
ttb bank firmographics
Firmographics- Name
- ttb bank
- Legal name
- TMBThanachart Bank Public Company Limited (ธนาคารทหารไทยธนชาต จำกัด (มหาชน))
- Website
- https://ttbbank.com
- Company type
- Public
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- TTB Bank (TMBThanachart Bank) is a top-five Thai commercial bank formed from the 2019 TMB-Thanachart merger, listed on SET, serving retail, SME, corporate, and wealth customers through branches, digital platforms, and ecosystem partnerships across Thailand.
- Ownership category
- akta.pro rank
ttb bank industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
Keywords
Where ttb bank is headquartered
LocationHeadquarters
- HQ city
- Bangkok
- HQ country
- Thailand
- HQ region
- Asia
Offices1 record
Markets served
ttb bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income: Traditional banking interest income from loans, credit facilities, and deposits
- Fee and Commission Income: Transaction fees, service charges, and commission from various banking services including credit cards, wire transfers, and account services
- Credit Card Fees: Annual fees, interest charges (16% per year for ttb reserve), and foreign transaction fees from credit card operations
- Business Banking Services: SME and corporate banking services including loans, working capital, and supply chain financing
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | TTB Reserve Infinite credit card with annual fees waived based on customer status |
| Transaction based/ take rate | Pay-as-you-go | Foreign currency transaction fee |
| Other | Monthly | Credit card promotions for new customers |
Go-to-market motion4 records
Distribution channels6 records
Marketing channels5 records
ttb bank product offering
Product offeringCore offering
TTB Bank is a full-service Thai commercial bank providing retail, SME, corporate, and wealth management financial products and services. It offers deposit and savings accounts, debit/credit cards, personal and business loans, supply chain financing, multi-currency accounts, mutual funds, insurance, payroll services, and treasury solutions, delivered through physical branches, the ttb touch mobile app, and dedicated business digital platforms (ttb business one and ttb business click). The bank is publicly listed on the Stock Exchange of Thailand and operates as TMBThanachart Bank Public Company Limited.
Product overview
TTB Bank (TMBThanachart Bank) operates as a unified banking platform offering a comprehensive suite of financial products and services. The core digital banking infrastructure centers on ttb touch mobile app and ttb business one/ttb business click platforms for business customers. The retail banking portfolio includes multiple credit card variants (ttb reserve infinite, ttb reserve signature, ttb Disney, ttb So Fast, ttb So Smart, ttb Absolute) and debit cards (ttb all free Disney). For business customers, ttb offers SME loan products (ttb SME SmartBiz, ttb SME Smart Plus), transaction accounts (ttb Multi-Currency Account, ttb SME One Bank), supply chain financing (ttb Supply Chain), and HR solutions (ttb Total HR Solution). The wealth management segment features ttb reserve for premium customers with exclusive privileges. Supporting platforms include ttb analytics for economic research, Intelligence Dashboard for market data, finbiz for SME education, and fin tips for personal financial guidance. The bank also provides insurance products including the 99 wealth protection series and savings accounts such as FCD e-Saving.
Differentiator
Problem solved
Functional benefit
Brands
- ttb reserve: Premium wealth management and credit card services for high-net-worth customers
- ttb business one
- ttb business click
- ttb spark
- ttb DRIVE app
- ttb web fleet service
- fin tips
- finbiz
Products and services
- ttb touch Mobile banking application for personal customers enabling account management, transfers, payments, and credit card services on iOS and Android.
- ttb business one Digital banking platform for business customers providing comprehensive account management and transaction services for SMEs and corporate clients.
- ttb business click Online banking platform for business customers to manage their financial operations with comprehensive business banking features.
- ttb SME SmartBiz Business loan for SMEs providing appropriate and sufficient credit facilities for business operations or investment to grow the business sustainably.
- ttb SME Smart Plus Loan and solutions for SMEs focused on enhancing capabilities and expanding business management for comprehensive growth.
- ttb Supply Chain Supply chain financing solution that supports liquidity for suppliers and dealers to access financing more easily.
- ttb Multi-Currency Account (MCA) Multi-currency account for managing multiple foreign currencies for international business transactions.
- ttb Total HR Solution Comprehensive HR and employee benefits solution for businesses, including payroll management.
- ttb reserve infinite Wealth credit card offering exclusive privileges including airport lounge access, travel insurance, and financial advisory services for high-net-worth customers.
- ttb reserve signature Premium credit card tier in the ttb reserve wealth program offering exclusive benefits and privileges.
- ttb Disney Credit Card Disney-themed credit card targeting new customers with promotional offers and rewards.
- ttb So Fast Credit Card Credit card targeting new customers with promotional benefits and rewards.
- ttb So Smart Credit Card Credit card targeting new customers with promotional offers.
- ttb Absolute Credit Card Credit card offering fee-free foreign currency conversion at 2.5% and various spending benefits.
- ttb all free Disney Debit Card Disney-themed all-free debit card with no fees for withdrawals, transfers, payments, and foreign transactions.
- ttb rewards plus Credit card rewards program offering points accumulation and redemption options.
- FCD e-Saving Foreign currency deposit e-savings account with interest rates up to 3.50% per year for ttb reserve customers.
- 99 wealth protection series Life and financial protection insurance plan providing comprehensive coverage across different life stages.
- ttb analytics (Intelligence Dashboard) Economic and business analytics center providing insights on Thai and global economies, industry trends, and market intelligence dashboards.
- ttb spark SME digital platform for ttb customers accessing banking and business services online.
- ttb DRIVE app Dealer financing app for automotive businesses to support vehicle financing operations.
- ttb web fleet service Fleet card web service for business customers managing fleet and vehicle-related expenses.
Companies that use ttb bank
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
ttb bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature4 records
ttb bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and supporting.
- LINE MAN WongnaicoreStrategic partnership to launch collaborative financial management programs for eateries, providing digital solutions for cost control targeting restaurant and food business customers.
- FlowAccountcoreTechnology partnership providing digital accounting solutions integrated with ttb's collaborative financial management programs for eateries.
- SkooldosupportingEducational platform partnership providing digital knowledge solutions as part of the collaborative financial management ecosystem for SME restaurant customers.
Scale indicators3 records
Recent moves7 records
Expansion highlights6 records
ttb bank competitors and assessment
Company assessmentDirect peers
- Bank of Ayudhya (Krungsri): Major Thai bank under Mitsubishi UFJ ownership, competing directly with TTB in retail, SME, and auto lending (including dealer financing — overlapping with TTB's ttb DRIVE franchise).
- TISCO Financial Group: Thai financial group focused on retail lending, wealth, and securities. Comparable niche overlap with TTB in auto/consumer finance and wealth management via its own subsidiary structure.
- Bangkok Bank: One of Thailand's largest banks with strong corporate and SME presence plus international footprint. Comparable in product mix (loans, deposits, treasury) and target customers to TTB's corporate banking franchise.
- Siam Commercial Bank (SCB): Major Thai universal bank with overlapping retail, SME, corporate, and wealth offerings. Direct competitor on deposits, credit cards, and digital banking, and part of the SCBX group that consolidates financial services under one roof.
- Kasikornbank (KBank): Thailand's largest bank by assets and a direct competitor across retail, SME, and corporate banking. Comparable in product breadth (digital apps, credit cards, wealth) and target segments, making it TTB's closest domestic benchmark.
Broad incumbents
- DBS Bank: Singapore-based regional banking leader with growing SME and digital banking presence across Southeast Asia. Relevant for benchmarking TTB's digital banking ambitions and SME strategy against a regional incumbent.
- United Overseas Bank (UOB): Singapore-based bank with established ASEAN footprint including Thailand (UOB Thailand). Comparable wholesale/SME banking playbook and serves as a benchmark for cross-border ASEAN corporate banking.
- HSBC Thailand: Global universal bank with strong Thai corporate and trade finance franchise. Comparable in corporate banking, trade finance, and multi-currency capabilities (overlapping with TTB's MCA and supply chain offerings).
Others
- Thanachart Capital (post-merger predecessor): Holding entity of the former Thanachart Bank that merged into TTB in 2019. Included as a historical/structural reference rather than an active competitor; helps frame TTB's inherited auto lending and retail deposit legacy.
Regional players
- CIMB Thai Bank: Thai subsidiary of Malaysia's CIMB Group offering retail, SME, and corporate banking. Comparable product set but operates primarily in Thailand under a regional parent — similar single-country footprint to TTB.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
ttb bank social profiles
Digital presencettb bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
ttb bank leadership team
Management profileNumber of profiles
Profiles1 record
ttb bank subsidiaries and ownership
Company hierarchySubsidiaries10 records
ttb bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ttb bank M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ttb bank
What does ttb bank do?
TTB Bank is a full-service Thai commercial bank providing retail, SME, corporate, and wealth management financial products and services. It offers deposit and savings accounts, debit/credit cards, personal and business loans, supply chain financing, multi-currency accounts, mutual funds, insurance, payroll services, and treasury solutions, delivered through physical branches, the ttb touch mobile app, and dedicated business digital platforms (ttb business one and ttb business click). The bank is publicly listed on the Stock Exchange of Thailand and operates as TMBThanachart Bank Public Company Limited.
Is ttb bank a public or private company?
ttb bank is a public company. It is classified as public and is currently operating.
When was ttb bank founded?
ttb bank was founded in 2019. It employs 5,001 to 10,000 people.
Where is ttb bank based?
ttb bank is headquartered in Bangkok, Thailand, in the Asia region.
How does ttb bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are fee and Commission Income, credit Card Fees and business Banking Services.
Who are ttb bank's main competitors?
Direct peers on record are Bank of Ayudhya (Krungsri), TISCO Financial Group, Bangkok Bank, Siam Commercial Bank (SCB) and Kasikornbank (KBank). Broad incumbents are DBS Bank, United Overseas Bank (UOB) and HSBC Thailand. Thanachart Capital (post-merger predecessor) is listed as an others. CIMB Thai Bank is listed as a regional player.
Does ttb bank have an API?
No public API is recorded for ttb bank.
What industry is ttb bank in?
ttb bank's product category is Commercial Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 522110 and its SIC code is 6022.