Because everyone has an important part to drive the company to grow forward sustainably. The company pays attention to all stakeholders by giving importance to customers, employees, business partners, human rights, and continually contributing to the society.

Realized Climate Change
Recognizing the possible consequences of climate change risks
Prepare countermeasures Disclose information following the international standards.
Goals Net Zero
Environmental management goals
Establish plans and measures to achieve zero greenhouse gas emissions.
Policy Strategies
Policies, strategies and operational frameworks for effective resource management
Determine measures to control the amount of resources used in operations in order to achieve the goals set.
Results Resources
Resource Management Performance
Greenhouse gas emissions resource utilization

Realized Climate Change

Considering the consequences of climate change risk
Impact on the organization
  • Customers in the agricultural sector are affected in terms of production. When income is less, resulting in reduced efficiency in debt repayment.
  • Uncertainty from investors can result in a lack of liquidity, shrink profits and possibly additional costs from tax carbon.
  • In the event of a disaster, employees unable to provide services at the branch, including the increase in electricity bills due to changing weather conditions.
Handling the consequences
  • Handling the consequences
  • Improvement of the criteria for credit consideration.
  • Set policies and measures to demonstrate the company's awareness and preparation for the consequences.
  • The Muang Thai 4.0 application provides affected users to access the service without having to visit the branches.

Goals Net Zero

Phase 1 : 2022 - 2027

Reduce average carbon dioxide equivalent emissions by 10% from the base year

Policy Announcement Initiate guidelines to set short-term goals for resource management to reduce carbon dioxide emissions by setting the performance (KPI) of executives and employees.

Phase 2 : 2028 - 2032

Reduce average carbon dioxide equivalent emissions by 40% from the base year

Improve efficiency in reducing carbon dioxide emissions by applying technologies and clean energy such as solar cells, paperless electric vehicles, water circulation and the Zero Waste Project to be applied in business operations. The goal for this phase is to reduce carbon dioxide emissions by 40%.

Phase 3 : 2033 - 2037

Carbon neutrality

When the company's efficiency in reducing carbon dioxide emissions is at an acceptable level. The organization plans to set additional activities or projects such as forest planting activities or other activities to replace the amount of carbon dioxide e mitte d in the atmosphere in order to achieve the goal of becoming a carbon neutrality company.

Policy Strategies

Resource management and environmental conservation policies and guidelines

Manage the company's operational resources to increase efficiency while preventing negative environmental consequences at the corporate level. Also, it improves operations to decrease emissions that contribute to global warming and establishes the aim of becoming a Net Zero company, as well as encouraging workers,

strategies for resource management
01. Collect data on resource usage
02. Green Products
03. Encourage innovation
04. Legal compliance
05. Fostersust ainability
06. Controlling Climate Change

Results Resources

Environmental performance in 2022 has set a metric for operational efficiency "Productivity" which can be calculated from the inverse of CO2 emissions equivalents and credit outstanding. (equivalent tons of carbon dioxide/million baht) by setting the productivity value to grow at least 5% compared to the previous year. And for the next year, let's set this Productivity value as one of the indicators of success (KPI), both short-term and long-term.

Fuel consumtion management

Today, the Company's in-house operations are inevitably still powered by oil, coupled with its customer base expanding yearly, and the number of credits is increasing. As a result, oil consumption continues to increase. However, we still consider the impact of greenhouse gases that cause global warming and climate change. Therefore, the following oil management measures have been established.

A fuel expense limit has been set as appropriate for the operation.
Encouraging the implementation of electric vehicles in the operational process
Fuel consumtion management Liters Compare to loan 24.17 Liters/MB
GHG Emission tonCO2e increased 664.20 tonCO2e (from 2021)
Energy intensity consumption 0.81 GJ/MB

Productivity value increased by 19.10% from 2021 to 2022, which was greater than the goal set.

Electricity consumption management

Electricity is a vital source of energy for business operations. Organizations need electricity for almost every step of their operations. The growth of the organization and the increase in branches cause the amount of electricity consumption to increase, resulting in increased costs and more pollution.

Determine the headquarters' air conditioning usage period. There is a schedule to turn on and off in a routine and a sensor to turn on the air conditioner as appropriate.
A electricity expense limit has been set as appropriate for the operation.chedule to turn on and off in a routine and a sensor to turn on the air conditioner as appropriate.
Air conditioning must always be maintained on a constant schedule.
Electricity consumption management kWh Compare to loan 348.71 kWh/MB (from 2021)
GHG Emission tonCO2e Incresed 2,978.08 tonCO2e (from 2021)
Energy intensity consumption GJ/MB

Productivity value increased by 13.19% from 2021 to 2022 which was greater than the goal set

Water consumption management

Water is one of the essential resources for living and doing business. Flooding and drought are currently affecting the ability to develop the economy and improve people's quality of life in some regions. Furthermore, the increased population has led to greater demand for water, resulting in Thailand experiencing a continuous water crisis. A water conservation campaign, as well as communication and public relations among all personnel to preserve water resources, with the following measures:

Inspect the water-using equipment on a regular schedule; if there is damage, complete the repair as soon as possible
A water expense limit has been set as appropriate for the operation.
Raise environmental consciousness among personnel. Realize how to fully utilize resources.
Water consumption management Megalitre Compare to loan 0.007 Meglitre/MB (from 2021)
GHG Emission tonCO2e Increased 224.3 tonCO2e (from 2021)

Productivity value decreased by 30.77 which was lower than the goal set. Due to change in GHG Emission Factor for water from 0.2843 to 0.5410.

Paper usage management

The organization's operations are still paper-based in order to support the business expansion of more than 20%. Of course, the consumption of paper will increase. However, the organization has measures to reduce and control the amount of paper usage in order to have the lowest indirect impact on the environment. The company has the following measures.

For the headquarters, there is a program encouraging personnel to use both sides of the paper, with a singlesided paper collection center available for all departments.
Develop an electronic receipt system (E-Receipt) following regulations and legal operational guidelines.
Use environmentally friendly paper products instead.
Paper usage management Kg Compare to loan 6.29 Kg/MB
GHG Emission tonCO2e Increased 80.31 tonCO2e (from 2021)

Productivity value increased by 9.53% from 2021 to 2022 which was lower than the goal set.