Sustainable Microfinance Business Development
Micro refers to small entrepreneurs or micro businesses that Thai Credit Bank PCL supports and encourages. Economic means that Thai Credit Bank PCL is committed to supporting the businesses of small entrepreneurs to grow and improve their quality of life, promoting a strong economy for entrepreneurs and Thai society. Development means Thai Credit Bank PCL aims for integrated development, including promoting financial knowledge and business management skills, to help micro-entrepreneurs run their businesses and grow steadily and sustainably. This also includes showing social responsibility in all three dimensions according to the principles of Sustainable Banking. With a commitment to developing and promoting the micro-business sustainably, Thai Credit Bank Public Company Limited has established various projects that comprehensively support both financial literacy knowledge and integrated business management activities. There are also social activities, micro-economic analysis and research that will promote and meet the needs of small entrepreneurs, youth, society, and the environment. With expertise and understanding of the micro-business group, along with recognizing the importance of such businesses as the country's economic foundation, the bank not only supports financial services but also drives small entrepreneurs to grow securely and sustainably, following the bank's philosophy of "Everyone Matters."

Social Responsibility
Thai Credit Bank Public Company Limited operates its business by adhering to the principles of good corporate governance based on honesty and transparency. The bank also realizes that it is part of society. Therefore, the bank is committed to operating with Corporate Social Responsibility (CSR) to create a foundation and commercial growth, including building long-term good relationships with people in society, as well as creating value for shareholders by considering the interests of stakeholders. Thai Credit Bank PCL adheres to the bank's vision and mission. The bank's operations also adhere to responsible management in three dimensions: Environmental, Social and Governance (ESG).

Environmental
The bank has implemented projects to promote awareness of the importance of the environment among youth. In implementing the project "Thinking for Younger Siblings, Nurturing Saplings Under the Tree," it is an essay contest project to win scholarships on the topic of "Green Community Market."

Social
The bank operates under a vision and mission that adheres to and stands by medium to small entrepreneurs to be able to start and extend their businesses strongly, which is an important part of creating economic stability.

Governance
The bank sets guidelines for sustainable business operations in responsible lending, considering environmental, social, and governance factors to create immunity for financial institutions and alleviate various problems with four guidelines:

1. Expressing the intention of responsible lending
2. Considering stakeholder engagement
3. Establishing internal policies and work processes
4. Disclosing information transparently in conjunction with lending 

The bank is also a member of an anti-corruption organization. The bank operates its business by adhering to the principles of good corporate governance based on honesty and transparency to help create opportunities and social equality, answering the slogan "Who doesn't see, we see" under the concept of "Everyone Matters" of the bank.

Sustainable Development Goals (SDGs)
With a vision that focuses on small entrepreneurs, the bank's CSR projects adhere to the principles of supporting the United Nations Sustainable Development Goals (SDGs) in 6 out of 17 goals, classified by each sustainable development goal as follows:
 

Goal 1: End poverty in all its forms everywhere
Promoting people, especially small entrepreneurs who cannot access funding sources in the system, to have the opportunity to access financial services thoroughly and equally

*   Providing accessible and equitable financial services to the public
*   Fair financial product policies and conditions that meet customer needs
 

Goal 4: Ensure inclusive and equitable quality education and promote lifelong learning opportunities for all
Providing knowledge to promote good financial discipline and enhance knowledge of sustainable business extension for small entrepreneurs, as well as developing youth and promoting learning to open up opportunities for youth to have learning opportunities and skills in their careers

*   Promoting financial literacy programs
*   Promoting and developing education (Scholarships)
*   Promoting and developing community potential for sustainable growth (Learning centers)
 

Goal 8: Decent work and economic growth
With financial products that cover small entrepreneurs nationwide, it creates income, can extend businesses to make businesses stable and sustainable, affecting the country's overall economy, including fair employment and treating all employees equally, with benefits that meet basic needs, conducive to a good quality of life for all employees

*   Policies and product conditions that encourage those who cannot access funding sources in the system to be able to apply for credit in the system correctly
*   Organizational culture and values
*   Continuous personnel development activities and plans
 

Goal 9: Industry, Innovation, and Infrastructure
*   Creating financial technology for digital banking
*   Initiating the development of a full-featured digital banking platform
*   Products and services that create good experiences for customers
*   Providing financial services that facilitate payment for customers
 

Goal 10: Reduce inequality
*   Reducing inequality within the country with financial products that allow all people, all occupations to access funding sources from financial institutions
*   Promoting financial knowledge to the public, especially small entrepreneurs who do not have the opportunity to access and learn about finance
*   Products and services that truly meet customer needs
 

Goal 13: Climate action
*   Committed to being part of mitigating the impacts of climate change and the environment
 *   Jointly defining guidelines for sustainable business operations in responsible lending
 *   Campaigning for youth to be aware of the importance of the environment by organizing a creative idea contest project
 *   Campaigning for employees in the organization to be aware of the importance of recognizing the value of the environment to mitigate potential impacts (Go green office)

Activities to Promote Micro-Business and Society

Tang-To Know-how Project

The Tang-To Know-How project is a financial knowledge training project that promotes knowledge, development, and financial skills. It has been implemented by Thai Credit Bank Public Company Limited from 2017 to the present to provide training to the bank's customers, most of whom are small entrepreneurs, small business owners, including SMEs and Micro SMEs. Later, the target audience was expanded to office workers, university students, students, government officials, community members in provinces, and farmers, focusing on financial planning, debt management, and promoting strong communities. It is committed to helping improve the quality of life of people in society. This is to comply with the bank's operating philosophy of "Everyone Matters." Over the past 7 years, Thai Credit Bank PCL has imparted financial knowledge more than 3,097 times, with 176,575 participants through the learning centers of the bank's microfinance branches, online through social media channels such as Facebook, YouTube, and TikTok under the name "Tang-To Know-how by Thai Credit," as well as training by central speakers who go to various areas nationwide. The focus is on financial planning to make businesses grow continuously and the use of technology for business communication in the digital age. The training course content was jointly designed by Thai Credit Bank PCL and the Faculty of Accounting, University of the Thai Chamber of Commerce, and certified by experts in various fields.

Policy on Community and Social Engagement and Development
Thai Credit Bank Public Company Limited is committed to conducting business along with caring for society and the environment. The bank has a policy to develop communities and society through the "Tang-To Know-How" project, which promotes financial knowledge and enhances financial planning skills for the bank's main customer groups, including small entrepreneurs, SMEs, and Micro SMEs, as well as extending to other target groups in the community and society, such as company employees, students, university students, government officials, etc.

The bank realizes that promoting the ability to plan and manage finances for customer groups and the general public will help create economic immunity, enabling businesses to grow sustainably, and also positively affect the quality of life of nearby communities. This is in line with the bank's operating philosophy of "Everyone Matters." This policy is part of the bank's strategy for sustainable business growth.

Strategies, Plans, and Goals
The bank has planned to expand the scope of the "Tang-To Know-How" project, both in terms of content and access channels, to cover the needs of all stakeholders. The focus is on creating financial planning knowledge that is appropriate for each target group through various forms of training. The strategies and plans are as follows:

*   Continuously develop financial knowledge course content in collaboration with the Faculty of Accounting, University of the Thai Chamber of Commerce, to stay up-to-date and suitable for the era   
*   Expand the target audience to participate in the project to be more inclusive, especially the underprivileged, low-income earners, and people in remote communities, to give everyone access to knowledge and necessary financial skills
*   Continuously increase the number of trainees through offline channels and digital platforms
*   Focus on creating quality internal speakers who can impart knowledge professionally through the "Professional Speakers" training course
*   Build a network of cooperation with both the public and private sectors in promoting community development
*   Regularly monitor and evaluate the project to improve the effectiveness of the plan
*   Plan to expand the project to enhance careers or other necessary skills to promote people's income in the long run

Goals
In 2024, the bank aims to have 60,000 trainees, with a long-term goal of increasing the number of trainees by at least 10% annually and setting a target for satisfaction scores and referrals of not less than 80% (excellent level)

 In addition, the bank also focuses on the goal of having trainees who are the bank's small business customers maintain financial discipline and good financial behavior by maintaining their financial credibility level of not less than 80%, which will help develop the potential and financial stability of the bank's customers in the long run

With the bank having strong network partners, clear goals, and challenging success indicators, it ensures that the "Tang-To Know-How" project will continue to move forward and be able to disseminate knowledge and develop necessary financial skills to Thai people thoroughly and effectively.

Partner Network
Thai Credit Bank PCL has signed a Memorandum of Understanding (MoU) with the Community Development Department, Ministry of Interior, as a key partner in driving the financial literacy promotion project in its 8th year. This is to jointly develop the potential of personnel in the Community Development Department, group leaders, and network organizations under supervision to have knowledge and skills in financial management and debt management systematically. This is a source of pride and demonstrates the potential of the bank in gaining trust from government agencies.

Strengthening communities from within will lead to sustainable development and help reduce economic and social problems on a broader scale. The bank believes that this financial literacy promotion project will enable communities to have economic resilience, create stable careers and income, and be self-reliant in the long run, in line with the goals of reducing inequality, creating opportunities, and developing quality of life for all.