Investor Presentaiton
Card X: The most admired regional financial platform offering simplest and
accessible experience for everyone
Company rationale
Independent company solely focused on unsecured consumer
loans business, acting with autonomy, agility and speed
Additional focus on mass/lower segment with new risk
appetite to allow for new business models
Build innovation and technology capability to solve for
financial inclusion for segments previously ineligible
Performance (Loans and market share)
.
•
•
•
THB 120 billion 13%
loan o/s
3.7+ million
2.7 million
market share loan accounts
credit cards
•
One of the largest consumer loan providers in the industry
Target ROA and ROE of over 5% and 20%, respectively
Aspiration for IPO in the next 3-5 years
Siam Commercial Bank PCL. | Analyst Meeting Presentation | September 22, 2021
•
•
Business overview
Market leader in credit card and personal loan business
Providing seamless omni channel platform (digital and
physical) with real time decision capability for KYC and
instant approvals for consumer loans
Card X
Establishing ecosystems to gain footprint into target segment,
utilize data to build customers persona providing relevant
offerings to enhance customers experience
Delivering innovative solutions and industry leading cost
structure through state-of-the-art technology architecture
Core competencies
Fully digitized technology capability covering origination,
onboarding, servicing, collection, and marketing
Strong data capability with expertise in advanced risk analytics,
credit scoring, underwriting, and product recommendations
Pioneering in both preventive and collection capabilities
using predictive data intelligence, real time monitoring, and
collection technology (e.g. Autodialer and Voicebot)
Page 19/27View entire presentation