Stage Key Highlights Result • Built Data analytic capability to leverage on data enrichment to be able to offer right products and services to the customers at better efficiency • Formed a partnership with Eastspring Investments (Singapore) from a deal to sell 65% stake in TMBAM 5. Leapfrog via inorganic growth and Covid-19 relief program 2019 - 2021 • • • • Introduce new way of work and revamp key process to ensure simple and easy banking experiences Complete merger transaction with TBANK to enhance scale and competitiveness Execute integration plan and synergy realization, including balance sheet optimization and cost synergy realization Provide debt relief program for customers impacted from Covid-19 so they can continue their business amid the difficult circumstances • • • • • • “Agile way of work” to shorten product launch process Enhanced business capability thru better networks and new product development Completed product suites for investment and lending products Expanded customer base to 10 mn Better cost management and C/I Helped over 98% of customers requested for debt relief program 6. Embark on business transformation 2022 - present • • • Maximize the potential of the merged bank’s customers thru Financial Well-being, serving banking & beyond banking needs of customers, and become a top-tier digital platform Fully operate under “Digital First” model Revamp group structure to unlock value and optimize return • • • Deepen relationship with customers through multiple products and life-long customer engagement Allow better customer experience, higher agility, and leaner cost-to-serve Accelerate growth in unsecured loan business and improve efficiency in asset and liability management 54 TMBThanachart Bank Public Company Limited
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