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Previously, LH Bank sold its shares to the last shareholder of Taiwan's first bank, "CTBC". How can LH Bank in Thailand adapt?
LH Bank accepts home loan portfolios due to strong competition
Sasithorn Pongsathorn (Chatchiri Vijayakul) Chief executive officer
The real estate portfolios are down. He is seen as a group with increased debts. Now, if you look at customers who buy a home and installment loans for 7-8 years, it is also NPL (over 3 months late), but if before, the installment over 3 years will not pay much .
Rattana Panichpan The president of LH Bank said that three years ago, housing loans were very competitive. Many banks are scrambling to get loans because they think it's a secured loan. In fact, home loan clients are more likely to default on other home loans. For non-slow receivables, the asset management process takes 7 to 8 years.
Credit card loans C is like the money used in everyday life. Customers choose the payment. Including auto loans. And motorcycle The warranty process is pretty fast. Customers will pay more.
2019 cooperates with CTBC shareholders to withdraw Taiwan's first bank
Sasinator said that in 2560, there were new shareholders. CTBC Bank Taiwan's first private bank, after planning, is now launching the big "We Are Family" concept where we are the same family. This will change through the service. And new branches 2 last launches The first branchParadise Park Srinakarin And Terminal 21 Pattaya Today, the focus is on more Wealth clients and on the private area, private room.
The cooperation with CTBC will focus on three issues: 1.The wealth Next year, we will officially launch this customer service plan. Clients with assets under management of the Bank (AUM) of 2 million and over. And there are other advantages.Digital Bank Use both restructurings. The bank's service system will reach more customers in the first quarter of 2016. The e-purse will be launched, as well as online stock trading.
.Trade Finance To see the new year. Based on the expertise and clientele of CTBC in Taiwan to do business in Thailand. There will be comprehensive services such as cash management, international loans, etc.
Conclude
Housing loans have been in competition for many years, so bad debts have followed. The Bank of Thailand (BOT) has banned housing loans to small parties. Next year, we will have to wait to see what the market looks like, but home loans will have greater interest in the past.
Meanwhile, being a small bank like LH Bank when a new shareholder, CTBC Taiwan, there will be a lot of changes. Addition of a new section. The wealth Retail customers will use. Digital Bank The technology is imported from Taiwan and supports international trade. Trade Finance
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