Retail Banking Our Intent To become main bank of retail banking customer through delivering Financial Well-being by Trusted-Advisor and aim to create exceptional customer satisfaction with seamless omni-channel experience. 2021 Summary In 2021, TMB and Thanachart Bank was successfully merged with the ambition to align skill as Trusted Advisor, providing professional financial consultation to customers. We have developed and implemented new system to provide seamless excellent customer experience, to respond to customers’ financial needs, and more importantly to improve customers’ Financial Well-being while allowing bank to achieve sustainable business growth. TMBThanachart (ttb) has strived to innovate variety of products and services to address customers’ financial needs. In the past year, our financial offerings aiming to increase customers’ Financial Well-being include: Mindful Spending & Maximizing Savings – Mindful spending consists of lifestyle-based money management, creating awareness of how spending supports life goals and needs. ttb all free is the best-in-class transactional service which offers various useful benefits at free of charge covering all-financial purposes one can possibly gain for daily life, 20X personal accident death protection, free overseas travel insurance, and special FX rate for overseas spending. ttb all free uplifts customers’ Financial Well-being to another level by offering a free personal accident medical protection of 3,000 Baht per accident (unlimited times) when customers maintain 5,000 Baht balance. In addition, we launched digital all free debit card which provide a good and convenient financial experience such as withdrawal, flight/hotels booking, online shopping, and no FX rate charge for overseas online shopping without having to carry physical card. Customers can request to issue digital cards easily through touch app with no additional fees. To provide convenience in doing daily transactions, our credit card provides variety of card benefits according to customer preference; 1% cash back for every transaction, 1 reward points for every 10 Baht spending, to name a few. In 2021, TMBThanachart launched first wealth credit card, ttb reserve, for customers with minimum assets under management (AUM) of 5 million Baht with special features which are designed to focus on endless wealth extension. Earn Fast-earn points faster than anyone, Burn Smart - redeem points worth more than anyone, and Special bonus point and special burn rate linked with ttb financial products and solutions. Healthy Borrowing – Borrowing only when necessary using the appropriate loans and suitable tools ensures a right balance between today’s needs and future liabilities. To serve as financial tools for customers to acquire asset and their business including financial liquidity management, we offer consultation and recommend the most appropriate lending products (Home Loan, Auto Loan, Unsecured Loan and Small Business Loan) to customers. We re-launched Cash Your Home and Cash Your Car products to help customers relieve burden from high interest charge from other FIs. In 2021, many lending customers still faced a challenging situation 70 TMBThanachart Bank Public Company Limited
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