Creating Sustainable Value with Trusted Financial Services

Policies and Goals Sustainability Management

The company is committed to providing responsible lending services, as well as other financial products, through digital platforms that are convenient and fast. We adhere to high standards of service excellence, while managing credit quality efficiently, in parallel with corporate governance, social, and environmental responsibilities to drive the company towards sustainability.

In 2024, the Company's business operations have focused on growth so that customers can access credit sources conveniently. Support the creation of opportunities for equitable access to finance to reduce inequality in society. Closing the financial gap, including supporting Having a good credit culture and promoting financial discipline for customers to cover all areas of the country will be an important part of solving household debt problems sustainably. however The Company is committed to sustainable business development throughout the value chain in line with the expectations of the Company's stakeholders. Ethical and ethical business practices, including compliance with the Sustainable Business Development Guidelines of the Securities and Exchange Commission ("SEC") and international standards.

Business Value Chain

The Company has undertaken to deliver value to stakeholders on the basis of changing the technological context of the organizational context. Social context to drive the country's business towards the "Digital Transformation" era through technological innovation and the creation of business processes to change. These include (1) Service development through platforms (2) Loan approval process and convenient payments (3) Personnel Development and technology (4) Customer base expansion through the sales team and a network of affiliated companies and business alliances (5) After-sales service

To create new value for customers in terms of both functionality and experience

The company is moving towards becoming "SGC Digital Transformation"

Assessment of Material Issues in Sustainability

Economic and Corporate Governance

1. Financial Product Development

2. Good Corporate Governance

3. Risk Management

4. Anti-Corruption

5. Fund Sourcing

6. Personal Data Protection and IT System Security

Social

7. Employee Development and Well-being

8. Community and Social Development

9. Customer Satisfaction

10. Human Rights

11. Occupational Health and Safety

Environmental

14. Efficient Resource Utilization

15. Air Pollution and Greenhouse Gas

Sustainability Management Goals

The company has integrated sustainability into its business operations through various processes across the business value chain. This approach aims to position the company as the leading Lock Phone business in Thailand. The company will drive its growth through data, innovation, and platforms, with plans to expand its digital technology by 2025. These efforts are aligned with the United Nations Sustainable Development Goals (SDGs) and include transparent and timely information disclosure to all relevant stakeholders. This will lead to collaborations that create added value and sustainable returns for all involved stakeholders.

Environment Dimension
The company is committed to conducting business sustainably, grounded in environmental responsibility. Emphasis is placed on reducing the environmental impact of business activities through effective environmental management systems. Accordingly, the company has set clear goals to utilize natural resources efficiently and promote the reduction of reliance on limited natural energy sources.
Social Dimension
The company conducts business with a focus on social values, adhering to the principle that business growth and sustainable development must go hand in hand. This is achieved by offering quality products, maintaining honesty and integrity in business practices, and taking responsibility for contributing to the overall development of society. The company has established policies and practices to address social aspects accordingly.
Governance and Economic Dimension
The company recognizes and prioritizes supporting social activities under the framework of good governance, emphasizing transparency and accountability. It is committed to developing business while maintaining a balance among economic, social, and environmental aspects.