Thanachart Thai Military Bank (ttb) Committed to developing products and services Continuously providing a better financial life to individual customers at all stages of life, especially the 4 main customer groups that the bank specializes in under the Ecosystem Play concept, namely people with cars, people with households, employees, and wealth customers.
The ttb touch app is the main platform for connecting various solutions and benefits. from leading bank partners Deliver personal or Segment-of-One financial experiences to customers, leading to the past year Deposit, loan, investment and insurance product groups have continued to grow.
General Manager “Takorn Piyaphan”. Thanachart Thai Military Bank (TTB) DATA Banker opens “What are the best things about ttb in 2023?” Let’s take a look and you will say…wow.
Maximum new home loan amount?
: Loan amount 50 million baht
Highest car loan?
: Ferrari SF 90 loan amount 40 million baht
Which customers swipe their cards the most?
: 8,803 times, how many baht in total? 6.7 million baht
The most valuable card swipe item?
: Pay life insurance premiums of 20 million baht
The customer with the most accumulated points?
: 28 million ttb points reserve insinite card
Which ttb ATMs do people use the most?
: Located at 7-11 Walking Street Soi 15, Pattaya.
A total of 38,789 times
How old is the oldest checking account?
: 82 years old, now has 2,161.9 baht in the account.
Customers who use QR the most?
: Used 9,600 times for 1.2 million baht
Both transfer money and pay bills
(Source: TTB as of 13 March 2024)
But what should we do “Takorn” emphasizes that these customers are definitely not NPL and some DATA are unexpected, such as ATMs in tourist attractions. It is still necessary to add more cabinets. Or like the Wealth group You have to go back and look at that in detail. Are there any financial services still missing? Send a team to scan. Offer additional services
In terms of fee income from retail customers in 2024, the retail segment will come mainly from insurance. and higher spending credit and debit cards Transactions through ATMs are also expected to grow by 5-6%, with more new investment products being launched.
In terms of AUM, the value of investment assets is expected to grow at 15-20%, currently at 190,000 million baht, which will focus on targeting customers of 30 million baht or more.
By establishing a wealth team Taking care of this group of customers in particular Including adding various benefits and products for this group of customers, such as foreign deposits, suitable for groups that send their children to study abroad. and focus on wealth building customer groups Including plans to increase fee income through different products as well.
while in the home loan group It will focus on houses costing 5 million baht or more, which is low risk. Including increasing the proportion of houses that are exchanged for money through the debt collection project, emphasizing Home Refinance among new customers. and a money exchange – debt collection to reduce the interest burden on existing customers
while the car loan group Focus on new car loans and increase the share of EV cars, which the bank from last year had a share of electric vehicle car loans. 13-15% of total electric vehicle loans And this year, the aim is to increase to 20% by expanding mainly from using the bank’s partner dealer network. Regarding the second-hand car market The bank will expand through the “Car Roo Jai” platform, which since the launch of the platform has been able to sell 70,000 cars and 8,000 cars have applied for bank loans.
“Home car loans are known to carry higher risks. So we are quite careful. To keep non-performing debt (NPL) at a manageable level, current home loan NPL is at 2.9%, which is expected to be stable this year. Because our home loans focus on high price, low risk groups. Meanwhile, car loan NPL is quite low at around 1% because we focus on new cars. Including trying to speed up debt restructuring for customers with problems. From last year’s average of 6,000 cars, this year we will try to reach 7,000 cars. As for personal loans, an NPL of around 2.2% should be stable. Because the main group of customers are existing customers and payroll customers.”
#ttb #open #data #show #retail #customers
