2022 Performance and Synergy Realization
Challenges and opportunities ahead
Economic headwind
GDP (% YoY) projected to grow with policy rate
expected to maintain at high level
Intensifying competition
Challenges
2.2
1.5
3.2
3.6
Tightening regulatory landscape
Platforms offers
financial services
Consumer
2019
2020
2021
2022(E) 2023(F)
-6.2
Trend
Inflation Rate (%)
1.2
6.7 ↑
Banks play in non-financial,
platform services
Policy Rate (%) 0.5
1.25
Pending revenue synergy realization
with strong customer acquisition engine
Opportunities
TMB
~10%
4.0 mn
overlap
6.6 mn
+
Larger investment budget and economy
of scale from the merger
~ 1.3-1.5x
Profection
New consumer protection
act on debt collection
Utb
BOT's future financial landscape,
particularly on Digital - open
competition, open infrastructure,
open data
Revamped digital capabilities
สวัสดุเข้าที่สดใส
ภาพรวมการจับคุณตอบd
hannurisoladuru
~52%
@
Tour du
duda
nourdu aanu OR
Investment
Budget Increment
No. of App reduced
created efficiency
Jays coaws
ก ประโยชน์
Boodu
ttb
Utb
business
one
New ttb Touch
+35% financial
transaction growth
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