1. Customer Centricity TMBThanachart places emphasis on the customer at a centre of business operation by gathering and analysing customer’s behaviour in order to develop financial products and services to meet their needs and provide better customer experience. Moreover, TMBThanachart also measures customer satisfactory to continuously improve the Bank’s products and services. TMBThanachart will continue to support our customers in need of help from the impact of the COVID-19. 2. Build Deposit and Transactional Banking Products Excellence TMBThanachart has used Deposit-led strategy to differentiate customer value proposition in deposit products and transactional banking services. TMBThanachart will continue to focus on developing flagship deposits product that allow the Bank to deepen relationship with customers and understand customers better which will result in the Bank becoming main bank of customers. 3. Continue Leading in Auto Loan and Lending products After the merger, TMBThanachart has leveraged the strength of TBANK’s auto loan which equipped with available personnel, car dealer network, and brand’s strength to further expand the business and to cater customer’s needs. For example, the offering of TBANK’s auto loans to the Bank’s customers. With comprehensive financial product offerings and services, it enhances the Bank’s ability to cope with the change in market environment and competition, and to maintain its leadership position in auto lending. 4. Build Sustainable and Recurring Non-interest Income TMBThanachart continued to emphasize on building sustainable non-interest income capability. Building non-interest income capability allows the Bank to effectively manage capital because of the minimal capital requirement compare to credit-related income, for example, bancassurance products and mutual fund products. Moreover, non-interest income will help ensure sustainable bottom line through business cycles. TMBThanachart applied business model of distributor and open architecture by searching for suitable business partners and best product to be available on the Bank’s shelf. This is to ensure the best offering which cater to variety needs of our customers. 5. Optimize Capital Utilization and Liquidity Management TMBThanachart is strongly committed to delivering the level of profit expected by investors and has set the target to earn same level of ROE with top bank performers within the next 3-5 years. To achieve this, the Bank continues to put our focus on selectively growing balance sheet to generate incremental return. 51 Form 56-1 One Report 2021
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