The year 2025 marked another period of significant transition, shaped by economic volatility, rapid technological change, heightened social vulnerability, and increasingly severe environmental challenges. In this context, KTC remains firmly committed to strong corporate governance and systematic risk management, with due regard for the interests of all stakeholders, as the cornerstone of trust, stability, and long-term sustainable growth.
Throughout the year, KTC has remained committed to enhancing access to secure and convenient financial products and services. By promoting fair and responsible lending practices alongside initiatives to strengthen financial capability and discipline, the Company empowers its members to remain resilient and financially prepared under all circumstances. Beyond its role as a financial service provider, KTC stands alongside its members during times of national adversity, including major natural disasters, by implementing relief and support measures in alignment with the guidelines of the Bank of Thailand, thereby helping safeguard financial stability and continuity.
In parallel, KTC is forging ahead to mitigate the environmental and social impacts of its business operations through tangible actions, in alignment with the United Nations Sustainable Development Goals, while supporting Thailand’s national ambition to achieve net-zero greenhouse gas emissions. Equally critical to this progress is the Company’s continued investment in technology infrastructure, data governance, and cybersecurity, recognized as a pivotal foundation enabling the Company to drive its strategies with efficiency and stability. KTC has consistently maintained certification under international standards for Information Security Management System (ISO/IEC 27001:2022) and Privacy Information Management System (ISO/IEC 27701:2019), respectively.
Furthermore, this commitment has been recognized at both national and international levels, as evidenced by the AAA rating under the SET ESG Ratings, a constituent of the FTSE4Good Index Series, and selection for the S&P Global Sustainability Yearbook 2026. These recognitions reaffirm the confidence that stakeholders place in KTC’s disciplined and consistent approach to sustainability.
Moving into the year 2026, KTC will continue to advance the organization under the strategic framework of “Shift Forward – Survive and Thrive with Digital & AI.” Sustainability is being integrated as both the DNA and a Growth Engine of the organization, articulated through the delivery of Better Products & Services, Better Quality of Life, and Better Climate. This commitment is driven by five strategic sustainability pillars: Governance Excellence, Responsible and Inclusive Finance, Digital SD Innovation, Green Growth, and Culture Transformation.
On behalf of the Board of Directors, I would like to express my sincere appreciation to our members, shareholders, business partners, and all stakeholders who have been a vital force throughout our journey. The success achieved in the year 2025 will serve as a robust foundation as we move into the year 2026, empowering us to deliver long-term value to our members, society, and Thailand sustainably.
