2022 Performance and Synergy Realization
1 Key drivers of revenue synergies with signs of momentum pickup
tub
Higher-yield secured loan potentials
from car owner-and home-owner customers
Effective acquisition of new/used car customers (>200k customers/yr)
Revamped payday loan
~1mn payroll customers
•
Leading mortgage players (~12% share of loan outstanding)
.
•
Track record of innovative products e.g., CYH revolving launched in May'22
Cash-your-car new booking
Cash-your-home new drawdown
CAGR
+27%
CAGR
+22%
+151%
+46%
Sizable room to grow unsecured
loan penetration, esp. thru new
digital lending capability
Unsecured loan penetration
among payroll customers
CAGR
>25%
•
•
Protection for
auto loan customers
Room to expand auto insurance
penetration among ttb's auto loan
customers/car owner base
Digital e2e journey via ttb Touch
launched in Jan 2023
Auto insurance penetration
in auto loan customers
CAGR
>35%
>50%
>20%
2021
2022 3Y Aspiration
2021
2022 3Y Aspiration
2022 3Y Aspiration
2022
3Y Aspiration
Key capabilities building
Sales model
é-è enhancement
e
Digital journey
00
Customer-centric credit
model w/ alternative
data enhancement
Risk-based pricing
10View entire presentation