Established on January 18, 2007, and headquartered in Bangkok, Thailand, Thai Credit Retail Bank Public Company Limited (“Thai Credit”) specializes in providing micro SME, nano, and microfinance products to small and microenterprises across the country. Committed to financial inclusion, the bank ensures that small business owners have access to secure financial resources, enabling them to enhance their quality of life and achieve financial stability.
Mission and Commitment to Financial Literacy
Thai Credit’s mission is to deliver the best financial services to small and micro business customers nationwide, promote financial literacy by equipping customers with the knowledge and discipline needed to make sound financial decisions, build an organization that is passionate and proud of its impact, and create shareholder value while respecting stakeholder interests.
Recognizing financial literacy as a key driver of economic independence, Thai Credit actively measures, improves, and tracks the impact of its financial education programs. By empowering individuals with financial knowledge, the bank helps them avoid poor financial decisions, become self-sufficient, and achieve long-term financial stability.
Commitment to ESG and Sustainability
Thai Credit aligns its Environmental, Social, and Governance (ESG) strategies with the United Nations’ Sustainable Development Goals (SDGs), specifically focusing on inclusive and equitable quality education and reducing inequality within and among countries.
To uphold these commitments, the Corporate Governance and Sustainability Development Committee oversees ESG operations, ensuring business practices integrate environmental and social considerations. Additionally, the Environment and Social Management System (ESMS) has been implemented to incorporate ESG principles into customer due diligence.
Upholding Human Rights and Fair Business Practices
True to its “Everyone Matters” philosophy, Thai Credit has established a Human Rights Policy that adheres to internationally recognized standards, including the International Bill of Rights and the International Labour Organization (ILO) Declaration on Fundamental Principles and Rights at Work. The bank sets clear expectations for personnel, business partners, and stakeholders to comply with these standards, fostering an inclusive, diverse, and discrimination-free work environment.
The Corporate Governance Policy further ensures that the bank operates with fairness, transparency, and strong internal controls, promoting a risk-conscious corporate culture that adheres to both national and international standards.
Corporate Social Responsibility (CSR) Initiatives
Thai Credit actively fosters environmental, social, and financial empowerment through various CSR projects. The bank has implemented energy-saving measures in its offices to reduce electricity consumption, launched recycling and upcycling projects to promote environmental sustainability, and created diversity and inclusion initiatives to ensure a positive workplace that upholds human rights and prohibits discrimination.
Employee well-being and career growth programs have been established to support long-term professional development. The bank also ensures fair product and service policies, including responsible lending practices that align with market conduct regulations.
Driving Inclusive Economic Growth
Thai Credit’s long-term goals extend beyond banking, aiming to raise awareness about environmental conservation, facilitate access to high-quality education for young people, support community development, promote local products, arts, and culture, ensure equal access to financial services and funding through inclusive innovations, and strengthen financial literacy and discipline to drive economic growth.
By integrating sustainability, governance, and financial empowerment into its core operations, Thai Credit continues to uplift underserved communities, making financial inclusion a reality for all.
