Krungsri Consumer reveals the satisfactory operating results for 2020 continue to grow Despite the volatility of the economy and the uncertainty of the COVID-19 situation The amount spent on the card is 280,000 million baht, new loan amount 79,000 million baht, outstanding loan amount 144,000 million baht.
As a result of the use of technology and digital systems to increase operational efficiency And manage expenses and maintain credit quality tightly Prepare to continue measures to provide assistance to affected customers Announcing a strategy to highlight digital innovation and data analytics capabilities Increase operational efficiency Ready to join hands with allies Create growth And develop human potential
In 2021, Krungsri Consumer has set a target of 305 billion baht through the card, 88 billion baht in new loans and 583,000 new customers.
Ms. Nanyanee Phuekkam, President of Krungsri Consumer Committee Credit card and personal loan service providers Including Krungsri Credit Card, Krungsri First Choice card, Central The 1 credit card and Tesco Lotus Visa credit card He said that in the past 2020, despite the challenges such as the volatile economy. And the uncertainty in the market Due to the COVID-19 situation, Krungsri Consumer still has a satisfactory performance.
With spending on the card 280,000 million baht (-11% compared to 2019), new loans 79,000 million baht (-21%), outstanding credit amount 144,000 million baht (-4%) and the number of new customer accounts 488,000 ( -51%)
Overall performance Despite the decline compared to 2019, the impact was less severe than expected. As a result of the use of technology and digital systems to increase operational efficiency And manage operating costs efficiently Including tightening credit quality treatment
In addition, the top 10 spending on cards in 2020 are insurance, hypermarkets and supermarkets. Home accessories, petrol, online shopping and electronic wallets Department Stores, Hospitals, Fashion Products, Electronics Food and beverage
The five categories of card spending were the highest growth of the year ‘2019, where data was reversed, namely Thais shopping online and using electronic wallets the most, followed by mobile phone, Wi-Fi and internet spending. Pay at convenience stores, pharmacies, hypermarkets and supermarkets respectively.
On the sideThe main strategies for driving Krungsri consumer’s business are laid out in 4 points as follows:
- Digital technology development and innovation To increase operational efficiency Such as digital workflow and robot adoption in repetitive workflows (Robotic Process Automation (RPA), e-billing), credit card application services and Credit cards via the Uchus application (Digital Lending), the use of AI and Chatbot to develop services, develop new features On the Euchus application to enhance the service Including as a channel for introducing new products
- Harnessing the power of in-depth analysis To understand the needs of customers And offering products and services that are more relevant to customers
- Collaboration with affiliated companies of Krungsri And leading business partners To increase market opportunities Expand customer base And seek new sources of income Especially in a segment with high growth potential such as food delivery, online shopping, and insurance.
- Continuous development of human potential to keep pace with the modern business world With a long term goal To improve operational efficiency and improve the quality of products and services to be more relevant to customers
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