Sustainability Strategy and Framework

Thai Credit Retail Bank Public Company Limited commenced operations on 18 January 2007 under the scope of business and transactional activities permitted for retail banks as prescribed by the Bank of Thailand (“BOT”). On 1 September 2023, the Bank commenced operations as a full-service commercial bank under the name Thai Credit Bank Public Company Limited.

The transition to a commercial bank enables the Bank to conduct full commercial banking operations and provide comprehensive and more diverse financial and investment services. The Bank has enhanced its financial products and services to ensure quality, coverage, and responsiveness to customer needs. Thai Credit Bank continues to focus on providing Micro SME (MSME) loans and Nano and Micro Finance loans to small-scale entrepreneurs who are an important foundation of the country but have not yet been able to access financial services. These include street vendors, small and medium-sized shop owners, as well as SME and Micro SME entrepreneurs.

This enables them to access formal sources of funding, helping to sustainably improve the quality of life of the population and contribute to economic and social development, in line with the Bank’s business philosophy: “Everyone Matters.”

Sustainability Management Policy and Objectives

Thai Credit Bank is a commercial bank that adheres to its vision and mission of conducting business based on sustainable growth. The Bank provides the best financial services to enhance the potential of customers and entrepreneurs through accessible financial solutions, while driving sustainability in society and the environment (Empowering smart customers and entrepreneurs with accessible financial solutions, and driving sustainability in society and the environment). This approach follows the philosophy “Everyone Matters” and covers the three dimensions of Environment, Social/Employees, and Governance/Economy (Environment, Social and Governance: ESG) under good corporate governance and appropriate risk management.

The Bank places importance on managing and conducting business with honesty, transparency, and fairness, in accordance with the principles of good corporate governance. The Bank is committed to social and environmental responsibility under the policies of Market Conduct and Responsible Lending throughout the business growth journey. The Bank is committed to developing products that are distinctive, simple, and transparent, while establishing policies, measures, and systems to prevent and manage conflicts of interest. In addition, the Bank supervises, monitors, and reviews compliance with the established policies, measures, and systems, and regularly reviews the appropriateness of the Bank’s policies and related guidelines at least once a year for the benefit of all stakeholder groups.

In 2025, the Bank conducted a review of its compliance with the Corporate Governance Code for Listed Companies (CG Code) and established the Bank’s key corporate objectives and goals aimed at sustainability. The Bank also emphasized the application of good corporate governance practices in all operational activities and disclosed such practices publicly, in alignment with the United Nations Sustainable Development Goals (SDGs), the Paris Agreement, ISO 26000, and other relevant standards.

The Bank recognizes the importance of social and environmental responsibility, as well as the interests of stakeholders across the business value chain. The Bank also recognizes the importance of developing the organization toward Sustainable Banking in order to achieve stable long-term growth alongside both business and society. This commitment has been established as part of the Bank’s mission, with the following key objectives:

Click to Enlarge