Message from the Chairman

At KTC, sustainability development serves as the foundation of our long-term value creation, guiding us toward a future where economic prosperity, social advancement, and environmental responsibility converge and flourish.

Throughout 2024, amidst numerous challenges, we have remained steadfast in our commitment to sustainable development, in support of the United Nations Sustainable Development Goals, through our strategic framework of “Better Products and Services”, “Better Quality of Life”, and “Better Climate”, which have enabled us to integrate sustainability principles across our entire organization while leveraging technological innovation to enhance financial inclusivity, security and environmental stewardship. With oversight from the Board of Directors and management insights, this approach ensures that KTC’s operations achieve optimal efficiency and deliver equitable value to all stakeholders.

Our achievements in 2024 demonstrate the effectiveness of this integrated approach. In advancing our economic sustainability pillar, we have successfully aligned our digital transformation initiatives with Thailand’s evolving financial technology landscape. A key achievement was the launch of the Apply Online Service, a self-registration service that streamlines product applications through an electronic form, which materially enhances KTC members’ ability to access financial services seamlessly and securely. Socially, we are committed to promoting financial inclusion through products and services, such as KTC P BERM Car for Cash, which provides crucial financial access to underserved individuals and small business owners. Moreover, we offered financial literacy programs and implemented targeted debt relief initiatives that are aligned with the debtors’ repayment capabilities, including long-term debt rehabilitation program, persistent debt relief program, and measures for flood-affected customers. These initiatives help alleviate financial burdens, foster financial responsibilities, and empower debtors to manage their debts effectively, which contributes to the sustainable long-term resolution of household debt issues. Our environmental stewardship has progressed through systematic reductions in our operational carbon footprint, achieved through optimized resource management across our value chain.

These efforts have earned prestigious recognition from both domestic and international institutions. KTC maintained its AAA rating in the SET ESG Ratings and continued its membership in the FTSE4Good Index Series. Notably, we secured our position in the S&P Global Sustainability Yearbook 2025 under the Diversified Financial Services and Capital Markets industry sector for the second consecutive year. Another significant achievement was our recognition as the first Asia-Pacific financial institution to achieve certification for the Payment Card Industry Data Security Standard Version 3.2.1 by the British Standards Institution. This prestigious credential not only validates our leadership in data security but also reinforces our commitment to protecting customer information at the highest standards. These awards affirm our dedication to responsible business practices and inspire us to continue creating shared value for all stakeholders.

As we advance toward 2025, KTC embraces the strategic vision “Building a Sustainable Future Through Digital Innovation” with cutting-edge financial solutions that are crafted to elevate user experience while upholding social responsibility to drive sustainable growth. This vision would not be achievable without the continued trust and support of our stakeholders, whose partnership has been instrumental in our sustainability journey. Together, we are building an organization that not only strives for operational excellence but also contributes meaningfully to a more sustainable and prosperous future.