NCB Profile

NTChraeatdiioliatnnBadul reau

03 Overview
• Vision
• History
• Message from the Chairman
• Board of Directors
• NCB Management
• Organizational Structure

11 Business Portfolio
• Basic Services
- Bureau Consumer Credit Report
- Bureau Commercial Credit Report
- Bureau Credit Review
• Operation Services
- Bureau Server to Server Solution
- Bankruptcy checking
- Consent
• Analytical Tools
- Consumer Credit Score (TransUnion)
- FICO SME Score (FICO)
• Risk Management
- Bureau Credit Characteristic
- Bureau Statistic Report
• Compliance Services
- Bankruptcy check

12 Key Figures
13 Future Outlook

Vision

To be the key organization in providing credit information services,
helping financial institutions manage risk and encouraging consumers
to have financial discipline. This in turn, willstrengthen and stabilize
Thailand’s economy.

Mision

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thMeaihninifgtoahrimensatqtusiotaanlintaydtaorfds 2

syosEtfenimsnutsereranrteahtasiotanfineaf,lossretmacnaudtrieao,rndasnd 3

Create a culture of 4
financial discipline

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3

History

Why Credit Bureau?

Many still question the reason behind the establishment of the Credit Bureau. The Credit Bureau
or NCB was established in 1998 under the government’s policy at the time. The government
realized that one major factor behind Thailand’s economic crisis is the lack of a credit information
collection organization within the financial sector. Prior to the establishment of a credit bureau
in Thailand, it was not possible for financial institutions to obtain the complete obligation and
payment history of a borrower and thus, resulted in an inaccurate credit analysis.

In 1998, In 2005,
the government supported the establishment the two bureaus merged and became
of two credit bureaus. The role of the newly the National Credit Bureau Company
established organizations was to collect and Limited or NCB, operating under the
assemble the credit information and payment Credit Information Business Act B.E. 2545.
history of financial institutions’ clients. In return,
the two credit bureaus served credit inquiries
to these financial institutions.

History of Credit Bureau in Thailand

CNArsoiisaiCsnreFdinitaBnucrieaal u, cS(CreeCtdIuSitpab2nudreTaCusB) M&A >> Pscroovreidseercvreicdeit
1997 1998 National
LecOsretIadNbitolibs.6huraenadu 2000 2002 Credit Bureau 2008 2016
BCInurfesodirnimteasstioAnct aAA“RCnemcrdpteeotdn“oriSdtt”tcSatohctvieosetrierc”
2005

Letter of Intend No. 6

MEMORANDUM ON Fourth, we will introduce 4. Information sharing among creditors 
ECONOMIC shortly a Credit Bureau Bill The BOT will direct the establishment
allowing the establishment of a Credit Bureau, for full exchange
POLICIES OF THE of credit bureaus to facilitate of information among creditors (for all
ROYAL THAI the exchange of information banks, including finance companies,
GOVERNMENT among creditors. trade creditors, and branches of foreign
banks, to participate).
December 1, 1998

4

Shareholders Structure

51%GovaenrdnmPCeCntCBaapnitkasl

MembersAosfsoTchiaaitiBoann(kTeBrAs’) 24.5%

(TTB, SCBT, SCB, KBANK, KTB,
CIMBT, UOBT, BBL, KRUNGSRI)

12.5%Business O(nBlOinLe)

12.5%TransuniIonnc.

5

Message from the Chairman

Mr.Poomsak
Aranyakasemsuk

Chairman

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6

Board of Directors (1/2)

Mr.Poomsak Aranyakasemsuk Ms.Nartnaree Rathapat

Chairman Director
Deputy Permanent Secretary, Director and Secretary,

Ministry of Finance Small and Medium Enterprise
Development Bank
Mr.Chatchai Sirilai
Mr.Krit Jitjang
Vice Chairman
President, Director
President,
Government Housing Bank
Kasikorn Bank Public
Ms.Piyawan Lamkitcha Company Limited

Director Mr.Hoi Wing Wingo Wong
Director,
Director
Government Savings Bank Chief Business Officer,

Ms.Suteera Sripaibulya TransUnion International, Inc

Director Mr.Jaray Jianthanakanon
Chairman of the Audit Comittee
Deputy President, Director
Head of Retail Lending Products,
Bangkok Bank Public
Company Limited TMBThanachart Bank Public
Company Limited
Mr.Min Intanate
7
Director
Director & Executive Chairman,

Business Online Public
Company Limited

Board of Directors (2/2)

Mr.Khan Prachuabmoh Mr.Charuek Kungwanphanich

Independent Director Independent Director
aCnhdairRmeamnuonfertahteioNnoCmoimnamtiitotnee Advisor,
Advisor,
Dhipaya Insurance Public
Bank of China Company Limited

Mr.Chanvit Nakburee Pol.Gen.Jate Mongkolhutthi

Independent Director Advisor to the Board of Directors
Chairman of the Risk Committee Pensioner
Advisor,
Mr.Teera Aphaiwongse
State Enterprise Policy Office
Advisor to the Board of Directors
Mr.Siriyot Srisuksawadi Chairman of the Board,
Chairman of Audit Committee,
Advisor to the Board of Directors
SPVI Public Company Limited
Mr.Taveesak Foongkiatcharoen
8
Advisor to the Board of Directors
Director,

Function International Public
Company Limited

NCB Management Mr.Phadet Charoensivakorn

Mr.Surapol Opasatien Deputy President & CEO,
Corporate Strategy & Development Dept
President & CEO
Mrs.Veeranong Chamsup
Mr.Wongwaris Dunlayanitikosol
Senior Executive Vice President,
Executive Advisor Marketing & Member Relations Dept.

Mr.Tharit Sriarunotai Mr.Bandan Soodsan

Senior Executive Vice President, Senior Executive Vice President,
Risk Management & Data Information Technology Dept.
Governance Dept.
Member Compliance Dept. Mr.Pichai Srisaovapak

Ms.Aurapat Rangsiwongs Acting - Executive Vice President,
Operation Dept.
Senior Executive Vice President,
Business Relations & Corporate 9
Image Dept.

Ms.Nuttinee Kaewsa-ard

Senior Executive Vice President,
Consumer Service Dept.
Legal Dept.

Ms.Kanjana Thawongklang

Acting - Executive Vice President,
Accounting Finance & HR Dept.

Organizational Structure

Board
of Directors

Nomination
and

Remuneration
Commitee

Risk Audit
Management Comittee
Committee Executive

President Advisor Internal Internal Audit
& CEO Audit Credit Scoring Audit
Dept.

BurIeTaSutrSSaCtctaoeortgrpiesyot/iDrcaeaMtvleaeDsSlatotetrpaarmbtPeaelagsnnyet Corporate
Strategy &
Credit Scoring Development
ISMS & ISO
Dept.

Risk Member Consumer Ledal Information Marketing & Operation Business Accounting
Management Compliance Service Dept. Technology Member Dept. Relations Finance
Dept. Relations & Corporate & HR
& Data Dept. Dept. Dept. Image Dept.
Governance SS&ecClofrrieEndngiqt uirry
MDiaspnuatgeement Dept. Accounting
Dept. HRD

RMiasknagement CMoemmpbleiarnce Legal SNSyeecsttwuermoitryk& Training DQS&uauDbtaaamlittiayssion SPARupecbeltaiclvitciiiaotilness &
PDPA Consent RInetleartnioantisonal DMaatnaabgaesement SNaelwe &Member CV&ScraeMoliddroiinatntgiitoonring Financial
Management Literacy /
DPreovdeulocpt ment Public
OSCeepcneurtaeritrtiyon Education

CCaenll ter
Admin

10

NCB Product Portfolio

Basic Service 1 Analytic Tools 3

Bureau Consumer Credit Report Consumer Credit Score

aaAnnsditnacdtueivrmriedenuntatcl'tsrhepadetitrhssoaitnsuaainltfcioornermdiattaiocntivaibtyout A prediction of an individual's creditworthiness
in the next 12 months, reflecting the relative
Bureau Commercial Credit Report likelihood of a default on a credit obligation

A statement that has information on FICO SME Score
the credit activity and current credit
situation of a business A prediction of the creditworthiness of a business
in the next 24 months, reflecting the relative
Bureau Credit Review likelihood of a default on a credit obligation

A statement that has information on Risk Management 4
the credit activity and current credit Bureau Statistics Report
situation of a business or an individual, Statistical reports showing the
used to re-assess one's credit profile portfolio overview and industrial
comparisons for members.
Operation Service 2 NCB-to-Member NCB provides 20 standard reports
and 5 tailor-made reports
Bureau Server-to-Server Solution Credit Bureau
Products and
A ready to use credit reporting
software to facilitate Server-to-Server Services
information inquiry
Compliance service 5
Bankruptcy Checking for KYC/CDD Bankruptcy checking for
data submission
The bankruptcy enquiry service crosschecks The system will usually reject information on accounts
information with data from the Legal belonging to individuals that have been discharged
Execution Department prior to a new of bankruptcy for over 2 years. However, NCB will
loan approval provide this information per member's request

Original Consent/Fax Consent

Members may choose to submit consent
forms via fax and the consent form will
be considered the official document

E-Consent

Electronic consent via NDID or applications
belonging to financial institutions

Besides developing our information security to meet international standards, we have continuously
improved our systems for members, especially the risk management tools.

Launched in 2011, the Consumer Credit Score is one of the risk management tools offered
by NCB. An individual’s credit score is a calculation of their creditworthiness, reflecting
the relative likelihood of a default on a credit obligation. The score ranges from 300 to
900, while grades range from AA-HH. The Consumer Credit Score represents the possibility
of delinquency in the next 12 months, of 10,000 people who fall in the same score range.
Hence, financial institutions will take this score into consideration in conjunction with
their credit policy and other factors, to carry out the credit approval process.

Moreover, NCB has prepared an Early Warning system, calculated from the existing database. 11
This system will notify members of accounts with over 90-day defaults, allowing our members
to be cautious with their credit analysis process.

Key Figures

1 78 >>> 109MEMBERS 16 Commercial Banks 6 SFIs
21 Non-bank, Consumer Finance, Nano Finance
Y2012 Jul 2021 57 Hire Purchase, Leasing 9 Others

2 LNOEAWN 2EN0QU.I0RY2(YMTD)ilJluiol 2n021 Trx

3 RCREVEDIEITW 3(Y7TD.)6Ju8l 20M21illion Trx

4 ENNUQMUBIERRIEOSF 2020 21.41 70.08
2019 18.91 54.92

Y2020 VS Y2021 2018 16.02 53.97

40.41 37.68 2017 14.29 43.85 New Loan

11.68 20.02 2016 13.26 42.15 Credit Review

Jul-20 Jul-21

5 DATABASE Consumer 119.55 31

Million Acc. Million People

123.32

Million Acc. Commercial 4.49 0.34

Million Acc. Million Companies

6 T(NOATATILOPNOAPLUSLTAATTIOISNTICAL OFFICE) 23%
Y2018 66.4 Million People
Age 20-59

Age>60 17% 60%
Age<20 or N/A

7 NDACTBACCOONVSEURMAEGRE 49.61 Million People

Working Age (NSO)

60% of NCB Consumer Database

12

Future Outlook

Information Security is a core of credit bureau
The most significant issue of credit information is information leakage. In NCB, the information
security system has been implemented strictly. We do not leave any gap for any employees
or any persons to invade through our database. Now, NCB has five information security
assessments annually as follows:

1 23 4 5

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These system assessments will guarantee that all credit information is fully protected. CEO,
executives or unrelated persons do not even have the right to see credit information.
Only assigned employees are given permission to log-in to the system which username
and password are required.

Every transaction is recorded in log file that can be traced back.
The information security is then the highest standard of the organization.
NCB will continue to maintain the highest security measures to ensure that
all credit information is protected, standards are maintained and privacy
is upheld.

13