2022 Performance and Synergy Realization
✓ Ongoing end-to-end productivity improvement to capitalize on enhanced b
digital capabilities and accelerated e-migration
Progress to-date
Annual branch footfall: -13%
Offline transaction shares
■ Financial service txn: ~1%
■ Non-financial service txn: >80%
Digital-first
Plan going forward
Digital-only
Index of number of branch
100
Q1'20
85 Other banks
ttb
65 (574 branches)
Q4'22
94 Other banks¹/
84 ttb
Q4'22
■ Digital service: Proactively migrate
existing in-branch and call center traffics.
to ttb Touch e.g.,
- Document requests
- General inquiries
■ Digital sales: Enhance in-app digital
sales journey and extend the building
blocks to support staff-assisted tablets
■ Reprioritize in-branch processes to shift
away from paper forms to assisted
online journey via ttb Touch
■ Streamline remaining offline processes
if still needed
■ Eliminate selected offline
processes to accelerate digital
journey adoption and to rationalize
associated fixed cost
■ Launch digital-only products and
benefits to capitalize on lower-cost-
to-serve and faster time-to-market
Index of employees
100
Q1'20
1/ DSIBS only
22
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