กรณีศึกษา ธนาคารออมสิน กำลังดิสรัป ธุรกิจนอนแบงก์ /โดย ลงทุนแมน
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...Continue ReadingCase study of the piggy bank. Displaying the business to sleep bank / by investing man.
Throughout the past period..
One of the challenges of financial institutions in Thailand.
It's about the big tech companies from foreign countries.
Starting to go into business finance.
This has started to happen in Thailand recently.
Whether it's a loan release from a car app like Grab.
Or Shopee Interest Payment Installment Service
However, players who are originally in financial institutions will also try to break into new business involved.
And one of those players is named a piggy bank..
A piggy bank will enter into a business of releasing loans, pawns, license plates, and personal loans. Normally, these loans will have non-bank financial institutions, aka sleep bank, the main player.
So what challenge is the piggy bank with the same player?
Invest man will tell you about it.
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Recently..
Piggy Bank just appointed a new Director of Bank
It's Mr. Vithai Rattanakorn which is the 17th Director of Bank.
Since the bank was founded for 107 years.
After taking the position of Mr. Witthai Rattanakorn
Well, strategize the piggy bank as Social Bank.
Or full social bank
One of the announced strategies is to bring the piggy bank into the sleep bank business.
Whether it's personal loan, credit card, cash card and car registration loan.
And recently, the piggy bank has just launched a loan, pawn, car and motorcycle registration.
Interesting thing is that banks will lower interest rates to lower than they are in the market.
Which is likely to drop by half or around 10-14 % per annum.
For causes to downgrade, the bank reasoned that the pawn-license type loan is the source.
Another loan that the foundation citizens or low income people use the service.
While what was still a problem all the time, the people foundations didn't reach the loan in the system.
And loans from outside the system with interest rate of 40-50 % per annum
And even if some people have access to the loan in the system, we will find out that the interest rate sleeps the bank.
Still slightly higher than average commercial bank interest rate.
So how high is the sleep bank business interest rate ceiling?
16 % credit card interest
25 % cash press card interest
24 % interest pawn car license plate
Each company has different interest rates.
For example,
MTC and SAWAD business, pawn, license plate.
A slightly lower interest rate charge below the highest ceiling.
While credit card companies like KTC and AEONTS score interest rates at highest ceiling.
Surely if the piggy bank issued a loan at a lower interest rate than the market.
It's going to put pressure on other players in the system to tend to lower interest rates to compete with piggy banks.
That means the profits of these companies will decrease in the long term.
And that will lead to a fundamental assessment of the company's value that has changed from the same.
However, the issue is still mindful is risk management under lower interest rates.
How does the piggy bank have a criteria for recruiting debtors and controlling the amount of debt?
This is also one interesting move.
Because the business of sleeping bank is a business that enjoys interest rate and high loan.
While financial costs are low because of interest, the policy has been low for a long time.
In the past, no one dare to reduce the interest collected from customers.
There are only banks of Thailand with supervisory duties. Order to reduce interest ceiling.
And of course, it's a piggy bank sleepout business this year.
It will become another challenge that these companies have to face. No more or less..
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References
- The official website of the Piggy Bank.
- Bank of Thailand
-https://www.thairath.co.th/news/business/finance-banking/1907432
-https://www.bangkokbiznews.com/news/detail/890908Translated
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