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Pursuing Retail Banking with Social Responsibility
TMB Bank
License to operate?
-1-Source : News and BOT
‘Mis-selling’
‘Banks Abandon Customers’
‘Exclude the Disadvantages’
‘High Lending Rates… Low Deposit Rates’
What do
stakeholders
want from banks?
80%
Of Urban area have
more than 3 ATMs
within 1 km radius
113 ATMs per 100,000
Thai Adults1
2
Source: BOT’s Financial Access of Thai Households 2016 and TMB Analytics
1 Loans exclude credit card
2 Formal Sector includes commercial banks, SFIs, cooperative, credit unions, hire
purchase/leasing companies, and village funds
Deposits
Savings
29%
Lack access to
formal Channel2
Loans1
60%
Source :OECD Data, BOT, and TMB Analytics
14%24%
44%52%
80%
USA UK SouthKorea
Japan Thai
Other
Financial Assets
Cash and Deposit
Source : NSO, TMB Analytics, TMB Customer Experience & Insights and
Lightspeed Research (N = 1,000 (age 18-54 years) )
80%34%
RealityPerception
of survey populations
think they have
enough saving to
cover expenses for longer than 6 months
of Thai Households can
cover their expenses for less than 6 months
VS
2009 2011 2013 2015 2017
-14%107%93%
Debt Misallocation: Big on Personal & Auto Debts
90% 78%
9%7%4%4%
4%4%
HH debt decreased gradually by 14%, mostly from housing loan.
84%
8%4%4%
%Share
UK Trend of %HH Debt
2009 2011 2013 2015 2017
-17%98%
81%
67%51%
6%
5%
11%
12%
Trend of %HH DebtUS
76%
7%
17%
%Share
Deleveraging in housing loan
caused HH debt to drop by 16% in the past 6 years.
55%20%
17%
9%
%Share
MY
2009 2011 2013 2015 2017
+12%72%
84%
Trend of %HH Debt Rise of debt
mostly came from
mortgage (1st
home scheme) & unsecured lending
17%
21%
7%
15%
18%
5%
34% 39%
68%
2009 2011 2013 2015 2017
+4% 72%
Trend of %HH Debt
74%4%4%
19%
%Share
SGBooming property
market caused the soaring HH Debt
50% 52%
6% 5%2%
12%2%
10%
2009 2011 2013 2015 2017
+24%
58%
82%
Trend of %HH DebtDebt grew by +24%
from 2009 from
every categories
(1st home, 1st car
scheme, and unsecured loan)
31%
13%
13%
33%
21%
28%
Mortgage
Auto Loan
Credit Card & Personal Loan
Other loans
Note:
Source: CEIC, Fed, BOE, BNM, BOT, Department of Statistics Singapore, and TMB Analytics
%Share
TH
40%
25%
34%
1%
Total Number of Firms
99%2,989,378 Firms
WholesalesMedium
EnterprisesSmall
Enterprises
1%
15,301 Firms
0.03%
9,025 Firms
21%
Total Number of Employees
3 Million People
72%10 Million People
7%1 Million People
Only 20% of SMEs in
upcountry can
access to credit
from financial
institutions
Source: OSMEP, BOT, and TMB Analytics
Belief from the Top
Brand Conviction
Brand DNAGenuine
Challenge Status Quo
Committed to Quality
Customer Centricity
Simple & EasyAffordable InclusiveGenuine
Financial Literacy
Governance (Tone from the Top) – Brand Conviction – Brand DNA
We must take
sustainability
issues to our own hands
… and we must
be proud of
what we do
Thank You