Our Position

Our foundation is built on our values, which distinguish us and guide our actions. Through “Make The Difference” philosophy, the Bank is committed to the goals of gaining customers’ trust and becoming ‘the most advocated bank in Thailand’ where need-based products are offered to our customers. Equally important, we strive to integrate sustainability in our business and ensure that our strategic objectives would not only fulfill short-term goals but also contribute to a long-term sustainable growth. Namely, we are committed to conduct our business in a socially responsible and ethical manner, including but not limiting to respecting the law, protecting human rights, nurturing the environment and giving back to our communities. This reflects our belief that thinking and acting sustainably can support us to deliver excellent customer services and products, superior long-term financial result and ultimately position the bank for a strong future.

The Bank has been continuously growing and has been at the forefront of creating satisfaction for all stakeholders. We provides better solutions by continuously introducing new products and services to the market which, subsequently transformed customer experience and significantly raised the overall banking industry standards in Thailand. Not only that, the Bank also places a great importance on enhancing internal capability where human resource management, high-performance culture and lean operational processes are the core focus. These factors are the main contributors to the nonstop development of the Bank and are rooted within the Bank’s philosophy of “Make The Difference”

“Make The Difference” philosophy does not limit itself solely to the Bank. It’s a universal notion that can easily be applied to every aspect of one’s live including industry, society and environment. With our belief in this philosophy, it encourages the Bank to commit to change along with pivoting goals of winning customers’ trust and becoming “the most advocated bank in Thailand”.

In today’s highly competitive and fast-paced environment, banking industry has encountered countless disruptions from rapid advancement of digital technology driven by national strategy of “Thailand 4.0” to major challenges such as the change in consumer behavior that shifts toward convenience and speed as well as the rise of competition from non-bank sectors that is making a compelling argument for customers to switch. However, these challenges can turn into new business opportunities if the Bank can leverage its capabilities and competencies.

As a result, the Bank must ensure strategic movements that would not only fulfill short-term goals but also focus on long-term sustainable growth. Thus, the Sustainability framework was formulated to enforce sustainability management that is in alignment with the Bank’s vision, culture, strategy and business direction. Since 2018, the Bank has initiated several sustainable development programs to serve as a tool for achieving its sustainability milestones.