The Company recognizes that financial products and services are not only the tools for driving economic growth, but also key mechanisms in supporting the country’s long-term sustainable development. Accordingly, the Company is committed to conducting its business responsibly by integrating environmental, social, and financial stability considerations into all stages of the design and development of its financial products and services under the sustainable consumer finance framework.
The Company places importance on developing and providing financial products and services that appropriately meet customer needs, alongside prudent, fair, and transparent risk management. In parallel, the Company implements programs and incentive measures that promote responsible financial behavior, while considering social and environmental impacts.
The Company believes that sustainable consumer finance products and services enhance competitiveness, strengthen resilience amid rapidly changing business environments, build trust among all stakeholder groups, and play an important role in contributing to a strong and sustainable future.
Percentage growth in the number of users of sustainable financial products and services increased by 10% compared with 2024
Percentage growth in the number of users of sustainable financial products and services increased by 22% compared with 2024
Positive impacts: The development of sustainable consumer finance products and services enable the Company to expand business opportunities and generate long-term revenue through product design that considers customers’ repayment capacity and promotes responsible spending. Integrating ESG factors into credit approval processes and risk management helps mitigate credit risk, strengthen portfolio quality, and support the Company’s financial stability.
Negative impacts: If credit approval process is not aligned with the principles of responsible lending, it may increase risks related to household debt, asset quality, and regulatory compliance, which could adversely affect business performance and stakeholder confidence.
Positive impacts: Supporting the reduction of environmental impacts through financial products and services that encourage environmentally friendly activities and behaviors contributes to the transition toward a low-carbon economy and helps reduce indirect impacts across the value chain.
Negative impacts: Financial businesses may have indirect environmental impacts arising from financed activities. Without effective environmental screening and monitoring, such impacts may heighten reputational risks, as well as increase expectations from investors and society.
Positive impacts: Sustainable consumer finance products and services promote fair access to financial services and contribute to improving customers’ quality of life over the long term, while also supporting social and community-oriented businesses.
Negative impacts: If customers do not sufficiently understand product terms or financial obligations, social impacts such as financial vulnerability and consumer dissatisfaction may arise, potentially undermining trust and sustainable business.
Positive impacts: Sustainable consumer finance products and services help promote fairness in access to financial services and enhance the protection of personal data through robust digital security measures.
Negative impacts: Overly stringent criteria may limit fair access to financial services for certain customer groups.
The Company has established a Market Conduct Policy as a framework for responsible lending practices. This policy covers all stages of customer engagement, from pre-sale and sales processes through to after-sales service, to ensure that customers receive complete and accurate information about financial products and services, and that products are offered and services are provided in a fair and appropriate manner. The policy also encompasses the protection of customers’ personal data and the processing of personal data to ensure the highest level of security in service delivery. The scope of the policy includes the following practices:
The Board of Directors and senior management jointly drive and promote fair service practices in a concrete and effective manner, which form a core element of the organizational culture.
Products are designed to be appropriate to customers’ needs, financial capacity, level of understanding, and repayment ability, with fair pricing and terms to ensure suitability with members’ repayment capabilities.
Compensation structures and disciplinary measures are established with due consideration to service quality for employees at all levels.
Accurate, complete, and clear information is provided to enable transparent comparison of terms, interest rates, and fees. Sales practices do not encourage customers to incur excessive debt, and important warnings as well as fees are appropriately disclosed, while strictly respecting and protecting customer privacy.
Employees receive communication and training to raise awareness of the importance of fair service practices, ensure adequate knowledge and competencies, and undergo regular assessments on product knowledge and service standards, enabling them to provide accurate and complete information to customers.
Customer personal data is safeguarded and kept strictly confidential. Any disclosure of data to third parties must not violate or adversely affect customer privacy.
Systems are in place for issue resolution, complaint handling, and remediation that are prompt, fair, and independent, including measures to assist debtors in resolving their debts in an appropriate manner.
Management processes and control systems are established to oversee fair customer service practices, detect risks and irregularities, and prevent potential adverse impacts in accordance with relevant requirements.
Risk management systems and contingency plans are in place for both normal and emergency situations to ensure that customer instructions are executed accurately, completely, and in a timely manner, and that customers continue to receive fair and appropriate services.
The Company has established a governance structure for fair customer management in accordance with Market Conduct principles and Responsible Lending to promote responsible, transparent, and fair access, including fostering responsible practices toward customers throughout all stages of the debt cycle. The management structure is as follows:
The Company emphasizes and places importance on corporate governance, considering human rights, equality, and compliance with applicable laws, announcements, criteria, and regulations of relevant regulatory authorities. In addition, environmental, social, and governance (ESG) considerations are integrated into the development of financial products and services. Key practices include the following:
The Company places strong emphasis on enhancing employees’ knowledge and competencies throughout the credit approval process. The Company consistently organizes training programs on essential knowledge and guidelines regarding Market Conduct and Responsible Lending, in accordance with the Bank of Thailand’s guidelines. The curriculum encompasses a comprehensive understanding of Responsible Lending principles, the offering and servicing of financial products aligned with standards, and guidelines for providing accurate, transparent, and efficient customer service.
A total of 1,821 employees participated in the training program, representing 100% of the total workforce.
The Company recognizes the importance of supporting customers experiencing financial difficulties to prevent debt burdens from the limitation of the repayment capacity. Consequently, the Company has implemented a diverse range of assistance measures and services, ranging from debt restructuring and special interest rate repayment plans to providing appropriate financial planning consultations. These initiatives aim to empower members to regain financial discipline and mitigate the risk of Non-Performing Loans (NPLs), while fostering fair and sustainable debt resolution. In 2025, the Company implemented various projects to support debt repayment assistance as follows:
The Company is committed to promoting financial discipline among members and encouraging timely repayment habits to mitigate the risk of Non-Performing Loans (NPLs) and supporting sustainable financial management. The “Debt-Clearing” campaign has been implemented for its 16th consecutive year under “Good Pay, Good Discipline” concept. This initiative incentivizes KTC PROUD and KTC P BERM Motorcycle members who maintain disciplined repayment behaviors and meet spending requirements by offering chances to win debt-clearing rewards. Over 600 prizes, valued at more than 9 Million Baht in total, were awarded throughout the project period from January 1 to December 31, 2025.
This campaign not only alleviates the debt burden of members but also inspires Thai people to cultivate better financial discipline, which is a vital component of socio-economic sustainability.
A total of 6,764 members have successfully resolved their debts since the beginning of the project,
with total debt amount over 59.4 Million Baht
The Company prioritizes fair and sustainable debt resolution by focusing on reducing legal disputes during the execution stage and enabling debtors to fulfill their obligations based on their repayment capacity to alleviate long-term social debt burdens. This approach proactively supports vulnerable individuals experiencing financial hardship or at risk of financial distress.
In its 11th consecutive year of collaboration with the Department of Legal Execution, the Company organized the “Debt Mediation Fair” to provide debtors under legal execution the opportunity to negotiate and find appropriate financial solutions. This collaboration has empowered numerous debtors to restructure their debt and reduce repayment burdens. It reflects the Company’s commitment to establishing a fair debt resolution system, proactively protecting vulnerable groups, and supporting sustainable solutions to society’s debt problems.
8,578 debtors have participated, with an 87.5% successful negotiation rate
and a combined debt amount of over 1,516 Million Baht
The Company recognizes the severe impact of natural disasters such as floods, earthquakes, and storms, which can significantly impair members’ repayment capacity or lead to loss of income. Consequently, the Company has implemented relief measures to alleviate the financial burdens of affected debtors by offering debt restructuring, extended repayment periods, and special interest rates, enabling them to resume payments based on their capacity. These measures not only mitigate the risk of Non-Performing Loans (NPLs) but also reflect the Company’s commitment to treating members fairly and fostering long-term socio-economic sustainability. Such initiatives are an integral part of the Company’s comprehensive risk management and corporate social responsibility framework.
The Company prioritizes responsible and sustainable retail lending by integrating Environmental, Social, and Governance (ESG) factors into credit assessment, customer service, and credit quality monitoring. This approach supports economic growth while mitigating negative social and environmental impacts and ensuring fair consumer protection. The guidelines and practices for providing retail lending products are as follows:
The popularity of residential solar roof installations continues to rise, driven by growing environmental awareness and advancements in renewable energy technology. Homeowners are increasingly adopting solar panels to reduce reliance on conventional energy, lower electricity costs, and support a sustainable future. To address this trend, the Company has collaborated with 19 business partners to enhance members’ access to alternative energy. This initiative aims to mitigate climate change impacts while creating financial opportunities for the growing number of eco-conscious homeowners, in alignment with government measures supporting residential solar roof installations.
A total of 227 credit card members participated, accounting for spending of 11.8 Million Baht
Electric vehicles (EV) have emerged as a pivotal solution for reducing air pollution and addressing climate change by minimizing fossil fuel reliance. In alignment with government policies promoting sustainable transportation, the Company supports the transition toward a low-carbon society by offering exclusive privileges to enhance EV accessibility. This initiative serves eco-conscious customers seeking sustainable mobility solutions, effectively contributing to the reduction of greenhouse gas emissions for a better environmental and social future. Furthermore, the Company provides a dedicated promotion for EV charger installations, offering 0% installment up to 10 months with KTC Credit Card.
A total of 275 credit card members participated, accounting for spending of 9.7 Million Baht
In collaboration with Department of Climate Change and Environment (DCCE), the Company actively promotes sustainable tourism to meet the rising demand for eco-friendly products and services. By partnering with over 900 Green Hotels and Resorts, the Company offers exclusive privileges to credit card members, including discounts of up to 55% on rooms, food, and beverages at participating properties without requiring point redemption. Alternatively, members can choose to redeem points for up to 13% cashback on their spending.
Furthermore, for every 1,000 Baht spent at participating hotels, members earn a chance to win 1 of 10 luxury stay vouchers valued at over 128,000 Baht (up to 10 transactions per person per day). This collaborative campaign aims to drive spending toward sustainable travel while raising public awareness of Thailand’s Sustainable Tourism Goals (STGs).
Total credit card spending amounted to 447 Million Baht
In collaboration with the Tourism Authority of Thailand (TAT), the Company continues to advance sustainable tourism and environmental conservation through the “Travel Around Thailand, Heal Your Soul and Save the Planet” campaign. The Company aims to elevate eco-friendly tourism standards by partnering with over 500 hotels and operators nationwide, including award winners of the 14th Thailand Tourism Awards or STAR Hotels who have passed sustainability self-assessments. This collaboration offers exclusive privileges such as discounts of up to 45% on rooms, food, and beverages at participating hotels, along with the option to redeem points for up to 13% cashback and monthly Top Spender prizes. This initiative not only stimulates tourism spending but also raises awareness of Thailand’s Sustainable Tourism Goals (STGs), catering to eco-conscious customers and supporting travel that minimizes environmental impact.
Total credit card spending exceeded 558 Million Baht
The Company is dedicated to promoting tourism in secondary cities to foster sustainable local economies, recognizing the pivotal role these destinations play in driving economic growth and generating community income. In support of the Tourism Authority of Thailand’s (TAT) “Mueang Na Tiew: Year of Celebration” campaign, which targets a revenue of at least 500 Million Baht and aims to propel total tourism revenue to 1.17 Trillion Baht in 2025, the Company offers a variety of exclusive privileges. These include discounts of up to 55% for direct bookings with participating hotels and restaurants in secondary cities, as well as point redemption campaigns for cashback.
Total credit card spending amounted to 17.5 Million Baht
The “KTC-Bangkok Airways” Collaborative Credit Card is a key product through which the Company promotes sustainable tourism, recognizing the value of travel that connects with local communities and cultures. In partnership with Bangkok Airways, the Company launched the “20 Years, 20 Routes” campaign to drive responsible and eco-friendly tourism. This initiative covers natural landscapes, World Heritage sites, and unique community-based tourism destinations both in Thailand and abroad. A highlight is the Ban Luang Nue community in Chiang Mai, where travelers can experience authentic Tai Lue culture and a slow living through active community participation.
Members of the KTC–Bangkok Airways card enjoy various exclusive privileges, such as discounts on sustainable travel packages and bonus points via KTC World Travel Service and the KTC Mobile app, supporting local economies through high-value travel experiences.
Total credit card spending amounted to 1.7 Million Baht
The Company recognizes the challenges faced by small entrepreneurs, SMEs, and community enterprises, particularly their limited access to customers in remote areas and the difficulty in securing marketplaces. To bridge this gap, the Company developed the “KTC U SHOP” online platform in 2016 to empower SMEs and community enterprises by expanding their distribution channels, enhancing customer reach, and increasing income potential. The platform offers high-quality products that meet the Company’s standards, with a focus on health-related, organic, and eco-friendly products that cater to wellness and environmental trends. Customers can conveniently purchase items or redeem KTC FOREVER points in lieu of cash, with home delivery services available via Line@KTCUSHOP and Facebook: KTC U SHOP.
A total of 11 merchants participated, offering more than 4,367 products, with total sales of 1.5 Million Baht
The composition of participating merchants was as follows:
The Company collaborates with the National Blood Centre of the Thai Red Cross Society, which is responsible for ensuring an adequate, safe, and high-quality blood supply for patients nationwide. To support this mission, the Company launched the KTC-THAI RED CROSS NATIONAL BLOOD CENTRE Credit Card, providing members with an opportunity to contribute to the Centre’s operations. For every 1,000 Baht spent using this card, a 5-Baht donation is made, with the Company contributing an additional 5 Baht, totaling 10 Baht for donation to the National Blood Centre of the Thai Red Cross Society.
A total of 2,943 KTC-THAI RED CROSS NATIONAL BLOOD CENTRE credit card members participated,
with total donations amounting to 132,918 Baht
The Company prioritizes the promotion of good health for its customers, as it is a fundamental factor for daily living and quality of life development. Given that public hospitals play a crucial role in ensuring patients receive equal treatment, the Company supports healthcare access and eases the burden of medical expenses by offering installment plans for up to 10 months at a special interest rate of 0.69% per month (reduced from the standard rate of 0.74%) for credit card members receiving treatment at public hospitals. This initiative aims to support the development and enhancement of medical services within the public healthcare system.
A total of 11,071 credit card members converted their medical expenses at public hospitals into installment plans, accounting for spending of 141.5 Million Baht
The company subsidized interest expenses amounting to 707,709 Baht
The Company prioritizes various forms of social contribution, specifically supporting underprivileged groups with limited access to quality healthcare as well as vulnerable groups, including the elderly, children, and people with disabilities. Since 2009, the Company has served as an intermediary in supporting projects and activities in collaboration with over 90 foundations and charitable organizations. This initiative provides members with opportunities to contribute to society by making donations via KTC credit cards or redeeming reward points for donations at a rate of 1,000 points for every 100 baht. Convenient donation channels, such as QR PAY and the KTC Mobile app, are provided to reduce the need for physical travel, thereby lowering pollution and supporting long-term environmental conservation goals.
A total of 340,813 credit card members made cash donations, and 15,998 members participated
in the point-redemption donation program, equivalent to a total donation value of 403.9 Million Baht
The Company recognizes the importance of reading, which is the key to learning in all fields and promotes sustainable quality of life development. Therefore, the Company has collaborated with leading bookstores and publishers nationwide to organize promotions and activities throughout 2025, such as discounts of up to 20% at partner bookstores and online channels, and the redemption of reward points for up to 20% cashback from the standard 10% rate.
A total of 5,507 credit card members participated, accounting for spending of 15.1 Million Baht
As Thailand transitions into a completely aged society, multi-generational travel is becoming increasingly popular, with families seeking meaningful ways to create valuable moments with their parents and elderly members. To support family travel and enhance emotional well-being, the Company designed the “60+ Stay Free” campaign to provide greater convenience and value for family vacations. Exclusive privileges for all credit card types include discounts of up to 30% on room reservations and 15% on food and beverages. Furthermore, seniors aged 60 and above can stay and enjoy breakfast for free as the third guest in the same room. This campaign not only reduces travel expenses but also creates opportunities for families to spend meaningful time together, reflecting our belief that “A great journey begins with taking care of every generation”.
A total of 517 credit card members participated, accounting for spending of 2.7 Million Baht
The Company focuses on creating equal access to education to promote knowledge development and enhance the quality of life for the public. In collaboration with business partners, such as language schools and academic institutions, to offers educational loan products designed to alleviate financial burdens by providing credit lines with appropriate interest rates and fees.
Approved educational loans totaled 88.6 Million Baht from 1,048 customers
A total of 190,237 card members participated in the installment plans, representing a total spending of 417.5 Million Baht The Company subsidized interest expenses amounting to 1.5 Million Baht
