ttb 56-1 One Report 2021 (EN)

2) Product and Service Marketing Strategy Commercial Banking Our Intent TMBThanachart will continue to offer innovative E2E solution and value-added products and services for business customers in order to deliver seamless experiences and improve customers’ financial Well-being and operational efficiency. With these offerings, we aim to be customers’ most advocated operating bank and value-added business partner. 2021 Summary Despite the outbreak of Covid-19 pandemic, the Bank was still able to achieve target milestone and overcame new challenges and all difficulties. The successful launch of ttb’s new internet banking platform for business customers “Business One” was offered as a world-class digital solution and platform to support the business customers especially during the challenging time of Covid-19 pandemic. The volume of digital transactions has shown a strong growth ramped up to 160% compared to last year. Regarding to the ease of use, simple UX, high security level, as well as the automation of business processes, the new platform implementation was recognized and awarded as “Best Digital Transformation Implementation” from The Asian Banker Thailand Awards 2021. Moreover, 2021 is the remarkable year for Trade Finance and FX business from the expansion of customer base into new segments as well as the synergy realization from the integration. Quality of new customer acquisition and portfolio optimization was strongly focused in order to drive sustainable growth gearing toward higher-risk adjusted return and proactively helped businesses that have been impacted by the pandemic through various customized relief programs. Plan for 2022 1. Profitable and Qualified Portfolio: TMBThanachart will continue to focus on profitability improvement through revamping sales and service model for each customer segment in order to better support the business customers as well as optimize cost-to-serve through leveraging of digital and self-service channels. In addition, we continue to penetrate and grow SME & Mid-sized corporate segment by offering industry-based comprehensive solution. Portfolio optimization will be emphasized for better asset quality from new good-quality acquisitions as well as proactively optimize existing portfolio. 2. Leader in Innovative Digital Solutions for Corporate customers and SMEs: We will continue to grow digital transactional banking and secure main-bank status through digital platform by offering Business ONE as a single platform for all business solutions supporting both financial and operational transactions of business, including ERP, HR management, CRM or other platforms in the future. This will also help improving operational efficiency of business customers as well as support their business growth. 68 TMBThanachart Bank Public Company Limited

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