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Responsible Lending

The Bank is committed to conducting the business in a responsible manner to achieve a long-term sustainable growth. The Bank has integrated ESG risk management into credit risk management and established Environmental and Social Responsibility (ESR) Policy to strengthen our role to facilitate and finance responsibly for the better of society and environment. The Bank has established an exclusion list, and industry-specific guidance for businesses with high ESG concerns, and integrated ESG due diligence into CDD/KYC process to assess client’s ESG-related risk. Areas to which the Bank pays particular attention include:

  • Environmental aspect: Climate-related risks (physical and transition) and other potential negative impacts from environmental degradation such as improper land use.
  • Social aspect: Risks stemming from social factors such as inequality, health, inclusiveness, labor relations, workplace health and safety, human capital and communities.
  • Governance aspect: Risks associated with unethical behaviors and practices not in compliant with good governance principles, for example, fraud, corruption, and money laundering.

The ESR Policy is in line with the national guideline i.e., Thai Bankers’ Association (TBA)’s Sustainable Lending Guideline, and adopts related internationally accepted guidelines, framework, and standards to enhance our lending criteria and promoting sustainable businesses e.g., Equator Principles, the United Nations Environment Programme Finance Initiative (UNEP FI)’s Principles for Responsible Banking, IFC Performance Standards on Environmental and Social Sustainability, International Capital Market Association (ICMA)’s sustainable finance initiatives, the UN Global Compact, the UN Guiding Principles for Business and Human Rights, International Labor Organization, etc. These inputs are necessary for the Bank in shaping and financing a sustainable future, whereby meeting society’s changing needs and demands and other global commitment such as Sustainable Development Goals and the Paris Agreement.


Feedbacks and complaints gathering and handling

The bank gives priority to gathering external feedbacks including complaints from individual customers, corporate customers, partners, public and society. With established handling protocols and processes, the bank has various channels to collect voices, feedbacks and complaints such as contact center, online form on ttbbank.com, Relationship Managers, branch staffs and social media platforms. Feedbacks, especially complaints related to environment and social impacts including activities financed by the Bank, will be recorded properly and the relevant cases will be directly assigned to department that take care of Environmental and Social Responsibility directly to further handle the cases. In the event that complaints become crises or causes big impact to many stakeholders, the bank will activate special taskforce comprised of all related teams to effectively handle and resolve the case and communicate to impacted stakeholders.

Environmental and Social Responsibility Policy

Responsible Lending

The Bank is committed to conducting the business in a responsible manner to achieve a long-term sustainable growth. The Bank has integrated ESG risk management into credit risk management and established Environmental and Social Responsibility (ESR) Policy to strengthen our role to facilitate and finance responsibly for the better of society and environment. The Bank has established an exclusion list, and industry-specific guidance for businesses with high ESG concerns, and integrated ESG due diligence into CDD/KYC process to assess client’s ESG-related risk. Areas to which the Bank pays particular attention include:

  • Environmental aspect: Climate-related risks (physical and transition) and other potential negative impacts from environmental degradation such as improper land use.
  • Social aspect: Risks stemming from social factors such as inequality, health, inclusiveness, labor relations, workplace health and safety, human capital and communities.
  • Governance aspect: Risks associated with unethical behaviors and practices not in compliant with good governance principles, for example, fraud, corruption, and money laundering.

The ESR Policy is in line with the national guideline i.e., Thai Bankers’ Association (TBA)’s Sustainable Lending Guideline, and adopts related internationally accepted guidelines, framework, and standards to enhance our lending criteria and promoting sustainable businesses e.g., Equator Principles, the United Nations Environment Programme Finance Initiative (UNEP FI)’s Principles for Responsible Banking, IFC Performance Standards on Environmental and Social Sustainability, International Capital Market Association (ICMA)’s sustainable finance initiatives, the UN Global Compact, the UN Guiding Principles for Business and Human Rights, International Labor Organization, etc. These inputs are necessary for the Bank in shaping and financing a sustainable future, whereby meeting society’s changing needs and demands and other global commitment such as Sustainable Development Goals and the Paris Agreement.


Feedbacks and complaints gathering and handling

The bank gives priority to gathering external feedbacks including complaints from individual customers, corporate customers, partners, public and society. With established handling protocols and processes, the bank has various channels to collect voices, feedbacks and complaints such as contact center, online form on ttbbank.com, Relationship Managers, branch staffs and social media platforms. Feedbacks, especially complaints related to environment and social impacts including activities financed by the Bank, will be recorded properly and the relevant cases will be directly assigned to department that take care of Environmental and Social Responsibility directly to further handle the cases. In the event that complaints become crises or causes big impact to many stakeholders, the bank will activate special taskforce comprised of all related teams to effectively handle and resolve the case and communicate to impacted stakeholders.

Environmental and Social Responsibility Policy

Responsible Lending

The Bank is committed to conducting the business in a responsible manner to achieve a long-term sustainable growth. The Bank has integrated ESG risk management into credit risk management and established Environmental and Social Responsibility (ESR) Policy to strengthen our role to facilitate and finance responsibly for the better of society and environment. The Bank has established an exclusion list, and industry-specific guidance for businesses with high ESG concerns, and integrated ESG due diligence into CDD/KYC process to assess client’s ESG-related risk. Areas to which the Bank pays particular attention include:

  • Environmental aspect: Climate-related risks (physical and transition) and other potential negative impacts from environmental degradation such as improper land use.
  • Social aspect: Risks stemming from social factors such as inequality, health, inclusiveness, labor relations, workplace health and safety, human capital and communities.
  • Governance aspect: Risks associated with unethical behaviors and practices not in compliant with good governance principles, for example, fraud, corruption, and money laundering.

The ESR Policy is in line with the national guideline i.e., Thai Bankers’ Association (TBA)’s Sustainable Lending Guideline, and adopts related internationally accepted guidelines, framework, and standards to enhance our lending criteria and promoting sustainable businesses e.g., Equator Principles, the United Nations Environment Programme Finance Initiative (UNEP FI)’s Principles for Responsible Banking, IFC Performance Standards on Environmental and Social Sustainability, International Capital Market Association (ICMA)’s sustainable finance initiatives, the UN Global Compact, the UN Guiding Principles for Business and Human Rights, International Labor Organization, etc. These inputs are necessary for the Bank in shaping and financing a sustainable future, whereby meeting society’s changing needs and demands and other global commitment such as Sustainable Development Goals and the Paris Agreement.


Feedbacks and complaints gathering and handling

The bank gives priority to gathering external feedbacks including complaints from individual customers, corporate customers, partners, public and society. With established handling protocols and processes, the bank has various channels to collect voices, feedbacks and complaints such as contact center, online form on ttbbank.com, Relationship Managers, branch staffs and social media platforms. Feedbacks, especially complaints related to environment and social impacts including activities financed by the Bank, will be recorded properly and the relevant cases will be directly assigned to department that take care of Environmental and Social Responsibility directly to further handle the cases. In the event that complaints become crises or causes big impact to many stakeholders, the bank will activate special taskforce comprised of all related teams to effectively handle and resolve the case and communicate to impacted stakeholders.

Environmental and Social Responsibility Policy