Whistleblowing
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Whistleblowing
Sustainability Overview

Sustainability Overview

Driving Business towards Sustainability

Within goals besides growth, sustainability is our top priority. There fore, our challenge is how to make our business work along side Thai society, helping and being an important tool in resolving bad debt problems and restoring assets to return to value and circulation again in a sustainable way. We, therefore, conduct business under the concept of

“Sincere, Serious, Help solve sustainable problems”

with debtors, partners, society and the country because we believe that

the basis of sincerity with one another in society is crucial

during this time. Especially due to the nature of our business.

Policies and goals for sustainability

The company operates its business based on good corporate governance with the ultimate goal of achieving sustainability for both the business and society. The Board of Directors has established corporate sustainability development policies to guide business operations, considering economic, social, environmental, and occupational health and safety sustainability issues within the business value chain. All company activities must align with this direction, aiming to produce outcomes that create value and added benefits for all stakeholders, and to continuously maintain standards, acceptance, and credibility with all stakeholders.

Sustainability Management in Dimensions Related to Business Operations

Environment
The company is aware of energy conservation, the environment and focuses on reducing the amount of waste. The company has improved electrical equipment to increase efficiency in use and reduce environmental impact.
Social
The company’s goal is to purchase more non-performing loans to reduce bad debts and help customers gain financial freedom, including allowing assets to circulate again in the economy. In addition, BOT has implemented BOT measures and other measures to assist debtors and maintain long-term economic and social stability of the country.
Governance
The company has established a sound corporate governance policy, including a code of conduct, policies, regulations, announcements, and relevant company directives. Ensure that all directors, executives, and employees adhere to corporate governance principles.
Corporate Governance Policy

Strategy for Sustainability
Focusing on investments to create a sustainable impact
the company's investments will help develop the economic and social systems alongside the company's growth to achieve the expected returns. Additionally, we encourage companies investing with us to be aware of sustainable development.
Developing human capital for sustainability
Emphasizing the importance of developing human capital for sustainability, human resources are the key to creating sustainable growth for the organization. Therefore, the company supports employees in continuously developing their capabilities in various aspects. Additionally, we create an ecosystem/environment that fosters the exchange of knowledge and ideas, promoting the continuation of creative thinking and the development of new innovations.
Investing in strong social and community foundations
We believe that strong societies and communities are the foundation for sustainable national development. Therefore, the company aims to strengthen communities and society by promoting skills and knowledge, enhancing capabilities, and supporting basic and essential needs to improve the well-being of communities.
Establishing an operational plan
To promote sustainability and ensure good corporate governance, the company establishes an operational plan that includes comprehensive risk management strategies. This plan prepares the organization for potential future risks, particularly those associated with emerging infectious diseases, by incorporating detailed contingency measures.
Assessing and responding to risk issues
The company mandates a thorough assessment and response to risk issues that impact its sustainability across economic, social, environmental, and governance dimensions. These issues are considered crucial and are integrated into business planning, decision-making processes, and operational activities to ensure the stability and long-term sustainability of the organization.

Operational structure for sustainability

The company has developed sustainability strategies according to the operational structure in the areas of corporate governance, economy, environment, and society. This approach aims to promote and integrate sustainable development in alignment with the national economic goals and to be an integral part of the organization's operations, alongside conducting business responsibly for all stakeholders.

Governance

The Board of Directors, executives, and employees are committed to fostering a strong culture of governance and risk management. They support practices to combat fraud and corruption.

Economy

Creating value for all stakeholder groups, while also strengthening and stabilizing the household and national economies.

Social

Aiming to improve quality of life by supporting financial literacy among the public, prioritizing customer benefits.

Environment

Operating business with environmental consciousness, establishing policies to raise awareness and promote management of energy, waste, greenhouse gas reduction, and efficient resource use.

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1. Shareholders

Protect shareholder rights and ensure equitable treatment.

2. Employees

A dedicated committee manages fair compensation and annual training to enhance efficiency, knowledge, skills, and professional expertise.

3. Customers

Prioritize negotiations over legal actions, assist in debt restructuring to enable installment payments without disrupting livelihoods.

4. Business Partners

Conduct the supply chain with mutual honesty and integrity.

5. Society and community

Take responsibility and development towards the surrounding community and society.

6. Country

Support drives the non-performing economic system assets back into circulation in the economy and have quality again.

7. Business competitors

Promote cooperation among business groups. Assist in exchanging knowledge that is important to business operations competitors.

8. Creditor

Evaluate and analyze the creditworthiness rating of the company.