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Bank of Thailand Launches Strategy to Be the Home Loan Market Leader
Date 05 October 2020 time 21:17
The Bank of Thailand opens a strategy to improve customer service to the Digital Platform to support the Digital Bank in the future.
Mr. Chatchai Sirilai Managing Director The Government Housing Bank (GHB) disclosed the Bank’s strategic plan, 2021-2565, which the Bank remains committed to implementing its mission. “Make Thais have a house” Maintain leadership in the mortgage loan market By having a third of outstanding loans in the financial institution system, as of October 1, 2020, the bank has been able to release new loans for $ 156.65 billion baht and is confident of meeting the 2020 target of 210 billion baht. The supporting factor is low interest rates. And organizing promotions to stimulate sales of real estate entrepreneurs Make it an opportunity for people with income Not affected by COVID-19 Own a house more easily
While in 2021, the Bank continues to set a target for new loans at 215,641 billion baht and increases to 222,110 billion baht in 2022 or an increase of 3% per year, respectively, with loans outstanding in 2021 at 1,374 billion baht. And it increased to 1,444 trillion baht in 2022 by focusing on improving the level of customer service to the Digital Platform to support the digital bank in the future, making it easier for customers to access the Bank’s services or products. Conveniently Faster And help reduce the bank’s operating costs To reduce the interest rate on the loan The goal is to have Digital Transactions at least 80% of the total number of transactions in 2022 with important plans / projects that support the Digital Bank.
1. New Normal Services Project to develop new Bank services in Mobile Application: GHB ALL to support the lifestyle of the New Normal customer according to the opening of the Phase 1 Bank for 6 services on September 24, 2020, consisting of
1. The lottery service of a savings bank is available both for the first lottery purchase after opening a lottery account at the branch. Or existing customers who want to buy more Including the latest savings lottery game, star scale game, 5,000 baht per unit, but you have the right to win even more prizes, with the first prize worth up to 1 million baht, including the last 2 numbers, the last 3 numbers and the numerical prize Change the last number You will start shopping for the first time in October 2020 2. Request a statement from a savings account for customers who want to use the information from an Evidence account for consideration in approving multiple transactions as needed
3. Make reservations in advance. Expect service at the branch on the day and time of the appointment immediately.
4. Electronic Loan Payment Receipt Replace original paper form and mail.
5. Make an NPA advance without having to travel to the branch
6.Edit personal information To change the delivery / contact address with the bank so that you do not lose contact or receive important information from the bank AND it will open for services in Phase 2 on December 16, 2020 such as opening a savings account, request a tax certificate, deposit interest Request for tax certificate, loan interest Notification of wishes for additional loans
2. The Tollway Loan Plus project is an enhancement of cooperation with the human resources department of the company or organization that has welfare loans with the bank to send information electronically, both income, personal evidence and other related. For presenting a loan to an employee who wants to present a loan to buy a house with the bank Where the employees do not have to be absent from work To travel contact and deliver the loan at the bank branch After that, the bank will contact and will interview the details for further loan consideration over the phone. And travel to the bank only once to sign a contract after receiving credit approval and 3. Virtual branch project, a non-operational credit service unit without customers having to go to the branch. But you still get services like at the branch
“At the same time, the Bank places great emphasis on the development of human resources to support the digital transformation of executives and employees to be able to work on the transition to the Bank’s Digital Banking, creating positive attitudes and fostering a unified corporate culture. And with the same objective in the GHB 1 TEAM project, including the creation of a digitization project, the development of an approval system and the management of documents in a workflow style by creating forms through digital systems. . Reduce work processes Reduce the use of paper, etc. “said Mr. Chatchai.
Under the clear strategic plan of the Bank As a result, the Bank can continue to grow strongly and be prepared to face various problems.As of August 2020, compared to the end of 2019, the Bank has outstanding loans totaling 1,273. 401 million baht, an increase of 5.30%, total assets of 1,351,107. Millions of baht increased by 8.55%, total deposits by 1,110,418 million baht, an increase of 11.74%, and delinquencies (NPL) by 51,559 million baht or 4.05% of the total loan amount. Increased since the end of 2019 by the amount of 2,044 million baht
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