Social and Community Development

Supporting the SDGs Goals

Thai Credit Bank Public Company Limited is committed to conducting business in parallel with social and environmental protection. The policy is to develop the community and society through the “Tang To Know-How” project. To promote access to financial opportunities, provide financial literacy, and strengthen financial planning skills for the Bank’s main customer groups By aligning with the United Nations Sustainable Development Goals (SDGs) as follows:

Goal 1

No Poverty

Goal 3

Good Health and Well-being

Goal 4

Quality Education

Goal 5

Gender Equality

Goal 9

Industry, Innovation and Infrastructure

Goal 10

Reduced Inequality

Stakeholders Directly Impacted

Customers / Disadvantaged Groups / Vulnerable Groups

Individuals and businesses that use the Bank’s products and services, including deposit accounts and loans.

Employee

Ensuring compliance with the Bank’s regulations and assisting customers with financial matters.

Environment, Society and Community

Factors affecting the reputation of the Bank, risk management, and sustainable lending/ investment opportunities.

Our Goals

In 2025, the Bank has set a target of

66,000 Participants

With a long-term goal of increasing the number of participants by at least 10 percent per year

Target of training participants who are the Bank's retail entrepreneurs, to be financially disciplined and have good financial behavior by being able to maintain their credit level at least

80%

A target of at least

80%

Satisfaction and Referral Score (Excellent Level)

Enhance

Quality of Life

And promote financial literacy within communities and society

Promote access to financial opportunities,

Financial Literacy,

And strengthen financial planning skills for core customers, while expanding the benefits to other target groups in the community and society

Performance Highlights

ESG Performance Data

Challenge and Opportunity

Thai Credit Bank faces the challenge of promoting sustainable community development while balancing economic growth. The global economy's risk factors, such as climate change, geopolitical tensions, and rapid technological changes, can disproportionately impact vulnerable communities. Moreover, a significant portion of the population, including small business owners and entrepreneurs, still lacks access to financial services, hindering their ability to improve their quality of life and contribute to economic stability. This creates a challenge for the Bank to develop and implement effective social programs and financial solutions that address the specific needs of these underserved groups while ensuring the long-term sustainability of its initiatives.

Despite these challenges, Thai Credit Bank has the opportunity to be a leader in driving positive social change through its "Tang To Know-how" project and other community development initiatives. By providing financial literacy training, promoting access to financial resources, and supporting local businesses, the Bank can empower individuals and communities to become self-reliant and economically resilient. Furthermore, collaboration with government agencies, educational institutions, and other organizations can amplify the Bank's impact and create a strong network of support for sustainable community development. This approach aligns with the Bank's operating philosophy of "Everyone Matters" and contributes to the achievement of the Sustainable Development Goals, creating shared value for both society and the Bank.

Beneficiaries of the company's community development projects (Persons)

Management Approach and Value Creation

Thai Credit Bank Public Company Limited is dedicated to conducting business while prioritizing social and environmental protection. The bank's policy focuses on community and social development through the "Tang To Know-how" project, which aims to provide access to financial opportunities, promote financial literacy, and strengthen financial planning skills. This initiative targets key customer groups such as small entrepreneurs, SMEs, and micro-SMEs, and extends to other community and social groups, aligning with the operating philosophy that “Everyone Matters”. The bank integrates social responsibility into its business strategy, adhering to relevant laws, regulations, and international standards, implementing projects both internally and externally to demonstrate this commitment.

The bank aims to improve the quality of life for people in society by creating shared value (CSV) between the organization and society. This involves supporting necessary resources and utilizing the bank's expertise to drive community transformation towards self-reliance in a sustainable manner. Thai Credit Bank focuses on increasing access to financial opportunities by developing diverse products that meet consumer needs and establishing policies for equitable customer service and responsible lending. The bank also emphasizes financial literacy, business conduct, and respect for human rights in its operations. The "Tang To Know-how" project exemplifies this, providing financial knowledge to small entrepreneurs, reducing household debt, and fostering sustainable economic growth. The bank's initiatives align with the UN Sustainable Development Goals, contributing to equitable education and lifelong learning.