TTB and MBK start a joint venture for motorcycle loans – the future is on the move!

TTB and MBK start a joint venture for motorcycle loans – the future is on the move!

Thai Military Bank (TTB) has taken a significant step in the financial world. On December 3, 2025, the bank announced that it had signed an agreement with MBK to establish a joint venture in the field of “motorcycle loans”. This venture aims to expand TTB's customer base, which already includes over 10 million individual customers. The joint venture, which will be called TTB Consumer, is expected to be launched in the first quarter of 2026, subject to approval from the Bank of Thailand (BoT).

As part of the cooperation between TTB and MBK, TTB will take over 70 percent of the shares in the joint company, while MBK will hold 30 percent. This partnership comes after the signing of a non-binding Memorandum of Understanding (MoU) on November 7, 2024, governing the acquisition of subsidiary T Leasing. This holds 100 percent of the shares and will no longer issue any new loans after the joint venture has been founded - from now on all new loans will be granted via TTB Consumer. With this, Thai Military Bank is taking a strategic step to increase its competitiveness and promote the sustainable growth of both companies today.line.me.

TTB's financial strength should not be underestimated. Currently, the bank's capitalization is above the BoT's statutory minimum requirements, with an impressive total capital ratio of 19.9 percent and a Tier 1 capital ratio of 17.9 percent, based on data as of September 30, 2024. TTB plans to cover the financing for the joint venture from its own resources without affecting the dividend policy or capital requirements.

The example of Europe shows how important such considered steps are, where the banking landscape is facing challenges. A clear message from a recent meeting of the International Monetary Fund (IMF) and the World Bank in Washington D.C. is that Europe must act faster in global competition. It remains crucial that European regulators not only ensure stability, but also promote dynamism and competitiveness in order to keep up with international investor interests. This is one of many lessons from linkedin.com where financial federations emphasized the need for reforms and less bureaucracy in Europe.

Overall, it shows that with the introduction of the joint venture for motorcycle loans, TTB is well on the way to opening up new markets and ensuring financial stability. How things will develop will depend on the Bank of Thailand's response. In any case, this could also encourage other banks to rethink their strategies and enter into new partnerships in order not to fall behind in the competition.