2022 Performance and Synergy Realization
Key highlights of our past journey - group restructuring
Strategic positioning
tub
Key Statistics
Recovery performance
> 600mn
recovery of stage 3
and written-off port
Asset size 1/
~4x
5.7bn
PAMCO
Serve as sizeable AMC unconsolidated from ttb balance sheet,
with potential to expand to retail and automotive portfolio
100% own subsidiary
2021
2022
consumer
100% own subsidiary
Be best ttb consumer loan sale channel in quality and productivity
to drive ttb consumer loan to be top 4 in consumer loan
market in 2025
2022 Productivity Improvement
+3x
Card acquisition
productivity
+4x
Personal loan acquisition
productivity
Utb
Spark*
Unit within ttb
1/ PAMCO's financial statement
Serve as digital hub deliberated to make real change to
our customers through digital technology and creative ideas
Growth of Digital FTE
~11x
2020
2021
2022
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