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New employees are the emerging customer base that BBL is focusing on at the moment. The majority of original customers were based in the corporate sector and had been working for a few years. It is the right time to target young spenders. We have found that the most challenging part of the plan is not how to design a product to respond to their needs but how we can create an effective model to analyse credit risk. We need to be assured that the NPL rate will still be controllable when we penetrate the new market. Presently the bank owns a very slight amount of NPL from credit cards and it will definitely increase if we expand our services to a younger customer base. Therefore we need to figure out measures to restrict NPL.Most regular BBL customers now have high potential to disburse debt; most will settle credit debts at one timeand only a third of them prefer to pay by instalments. Because of this BBL has gained less profit from credit card interest compared to competitors. We expect the emerging proportion of young customers to generate more profit from interest.What are the bank’s strategies to encourage first-time employees to apply for a credit card?We are polishing our image to be more attractive to young customers. The bank announced a leading English Premier League team, Chelsea Football Club, as an official partner, and launched a campaign to persuade BBL debit and credit card holders to participate in a lucky draw. Winners received a six-day, five-night package to London, including flight, accommo- dation and match ticket. It is forecast that the partnership and co-branded credit card will increase the number ofnew card members.Sports are used as a strategy tocommunicate with young customers, since there is great interest in sport in society. The wealthier are becoming more interested in sport as well.BBL has also done certain marketing campaigns exclusively for golf fans. We offer special discount programmes in more than 150 places, including golf courses, driving ranges and golf equipment shops. We have arranged Bangkok Bank Golf Tournament and allowed card members to participate in the games, as well as created lucky draws offering a chance to see a global golf competition, namely the Presidents Cup in South Korea, for every credit card purchase of at least 1,000 baht.What does BBL expect from the young customer base?36 Elite+