Contribution - Bangkok Bank Executive Vice President Ms. Pochanee Kongkalai (4th from right), Vice Presidents, Public Relations Department Mr. Aphiwat Punnopakorn (2nd from left) Mr. Suwit Indrachalerm (left), Assistant Vice President, Regional Manager Region 4–Metropolitan Consumer Banking, Sombat Limsuvattanaphong (right), Assistant Vice President and Phlapphla Chai Branch Manager, Miss Chitpraphat Malaniyom (3rd from right) altogether with Bangkok Bank executives and staff, presented a donation of 200,000 baht to the Sai Jai Thai Foundation under the Royal Patronage for 12 consecutive years to pay tribute during the 70th Birthday of Her Royal Highness Princess Maha Chakri Sirindhorn on April 2, 2025 and to celebrate the 50th anniversary for the establishment of Sai Jai Thai Foundation. The donation was received by Sai Jai Thai Foundation Treasurer and Executive Committee Member Mrs. Amara Intawongsa (4th from left) and Executive Committee Member M.L. Uemsook Kitiyakara (3rd from left).

Bangkok Bank, a leading regional bank, is committed to being a “trusted partner and reliable close friend” by developing quality financial products and services with high security standards to meet the needs of all customer groups, along with 'creating value for a sustainable future' in all dimensions for Thai society for 80 years. The Bank has continuously contributed to the Sai Jai Thai Foundation since 2013, to support the foundation's main mission of caring for and assisting soldiers, police, civilian volunteers and families of those who were injured, disabled and killed doing their duty to protect the country. This includes more than 3,000 people, and it consists of allocation of financial assistance covering the quality of life, supporting on medical and public health, education and scholarships for children, and training for side jobs to help create extra income.

Bangkok Bank, as a "trusted partner", invited top executives to join seminars to encourage entrepreneurs across all sectors to prepare for new environmental trade regulations while moving towards a green and low-carbon economy. All speakers agreed that businesses should adapt swiftly in order to seize global trade opportunities as failing to adapt could impact their sales. The Bank advised starting with self-assessment to establish a baseline, using data collection platforms, and reducing energy waste. The Bank said such measures could lower electricity costs by 15-20% and it called on the government to provide financial support and enhanced incentives to encourage businesses to adapt more effectively.

Bangkok Bank Director and Senior Executive Vice President and Corporate Secretary Kobsak Pootrakool said that Bangkok Bank, as a “trusted partner and reliable close friend” is committed to helping Thai entrepreneurs seize opportunities and achieve sustainable business growth by sharing knowledge, building business networks, and providing financial support. Recently, the Bank hosted “The Great Green Transition” seminar to bring together speakers from leading Thai companies and government agencies to offer insights and identify pivotal changes. A shared focus among leading organizations is establishing a baseline—recording the levels of greenhouse gas emissions or energy use over a specific period. This baseline serves as a starting point for clear and actionable plans to reduce carbon usage effectively.

In the past, the Thai economy has used energy as a key business driver, but this has contributed to global warming. However, now the world is trying to find ways to move towards a low-carbon economy and new trade regulations are being introduced to help make this happen.

“Thai businesses should not see the EU’s new CBAM carbon regulations as a far-off issue just because they do not yet produce the products that are subject to them, as in the future, the environmental measures will cover all product groups. Furthermore, it will not only be the European Union that applies these rules as many countries are also preparing to adopt them, which will make all products traceable throughout the entire chain. Even if a business is a small cog in the industry, failing to meet these standards, may make their products unsellable,” said Mr. Kobsak.

Mr. Tim McCaffery, Global Investment Director Siam Cement Public Company Limited or SCG said SCG has invested in new technologies that will help businesses effectively reduce carbon emissions, such as high-efficiency solar panel technology, technology that provides high thermal energy without carbon emissions, technologies that remove carbon from the air and products that can increase efficiency in the cold transport supply chain system. The company aims to reduce carbon emissions by up to 25% by 2030 and produce cement with a lower carbon footprint, with the aim of contributing to a sustainable future for Thailand.

“The easiest first step is to assess energy and utility usage within a business and look for ways to reduce energy consumption while considering using renewable energy, improving production processes and adopting technology. The most immediate and tangible benefit for businesses would be the reduction of electricity costs by at least 15-20% as this can greatly cut the cost of doing business and begin the green economy transition journey. This will definitely increase competitiveness for businesses in the long term,” said Mr. Tim

Executive Vice President - Corporate Engineering Charoen Pokphand Foods Mr. Peerapong Krinchai said that large companies selling products worldwide face pressure to move towards a low-carbon business due to international consumer demands and new trade barriers. This is driving large companies to commit to low-caron paths to meet standards such as CBAM and EUDR to remain competitive. Although small businesses may not yet see this as relevant, the seminar organized by the Bank brought together large and small businesses to raise awareness about global warming and ongoing changes. This will help SME transition to a low-carbon society and ensure the sustainability of both the business and agro-industry sectors in Thailand.

Mr. Mongkhon Tangsiriwit - Cluster president in charge of Thailand, Laos and Myanmar for Schneider Electric, a leading global organization in sustainability, shared his experience in organizational transformation and highlighted three main areas for sustainability transition:

• Strategize: Create a baseline and a decarbonization roadmap.
• Digitize: Adopt digital technologies to measure energy consumption and carbon emissions and analyze data to find ways to reduce energy consumption.
• Decarbonize: Find solutions to reduce carbon emissions such as using green energy and improving work processes to use energy efficiently.

Leading Digital Banking - Bangkok Bank Senior Executive Vice President Chaiyarit Anuchitworawong and Executive Vice President Prassanee Ouiyamaphan represented the bank at the IGNITE Thailand-Korea Business Forum. This event marked the 67th anniversary of diplomatic relations between the two countries and was organized by the Thai Embassy in Korea and the Industrial Estate Authority of Thailand to strengthen bilateral economic cooperation between Thailand and South Korea. The forum was attended by high-level Thai government officials, including Mr. Suchart Chomklin, Deputy Minister of Commerce, H.E. Mr. Tanee Sangrat, Ambassador of Thailand to the ROK, and numerous senior executives from various organizations. On this occasion, Bangkok Bank, as a 'leading regional bank' collaborated with BC Card, a leading financial service provider in South Korea led by Mr. Choi Won-Seok, CEO of BC Card Co., Ltd., to connect international payment systems by developing the Cross-Border QR Payment service between Thailand and South Korea. In the initial phase, the service will be available for inbound transactions, allowing South Korean tourists visiting Thailand to pay for goods and services at stores displaying Cross-Border QR Payment – Pay Like a Local. This initiative reinforces Bangkok Bank's strength as a regional digital banking leader, ready to connect opportunities for customers in all dimensions. The event was held at the Lotte Seoul Hotel in Seoul, South Korea

Bangkok Bank joins The Mall Group to expand into the retail customer market to building on the success in the second year of the Bangkok Bank M Visa co-branded card. A standout campaign has been launched to attract shoppers, offering M Cash Coupons worth up to 6,000 baht, along with packed special promotions aimed at boosting in-mall shopping. This initiative will support spending growth during Q2 of 2025 while also increasing travel and tourism-related expenditures. After partnering with 14 retail partners across Asia and Europe, Bangkok Bank also plans to launch prepaid cards to tap into the Chinese tourist market.

Bangkok Bank Executive Vice President and Credit Card Division Manager Shoke Na Ranong said that the Bank has collaborated with The Mall Group to further build on the success of the co-branded Bangkok Bank M Visa card. This aims to expand the customer base by continually providing financial experiences tailored for retail customers. The campaigns will be aligned with the spending behaviors and preferences of cardholders, particularly in-store spending within The Mall Group, which accounts for the majority of the expenditures. These stores offer a comprehensive range of lifestyle, fashion, dining, and supermarket services. Recently, they have launched the 'BANGKOK BANK M VISA SHOPVENTURE' campaign to make every purchase with Bangkok Bank M Visa card at The Mall Group's stores even more rewarding. Customers can receive M Cash Coupons worth up to 6,000 baht, along with many other exclusive privileges.

There are also plans to expand the growth of out-store spending, particularly in the travel and overseas spending categories, which continue to show strong growth trends. Bangkok Bank and The Mall Group plan to collaborate with business partners both domestically and internationally to create new benefits tailored to the needs of cardholders in different segments. Additionally, there are plans to expand the customer base further through the development of new forms of co-branded card products such as the prepaid co-brand card which is designed to meet the needs of foreign tourists, especially those from China who are important customers of The Mall Group as well as the fan base of "Ling Ling Kwong", the latest presenter for this co-brand.

“The Bank and The Mall Group work closely together to analyze data and understand customers in depth, which has been a key part of the success of the Bangkok Bank M Visa card in its first year, especially during the last quarter of 2024 to the first quarter of this year, when card spending grew by more than 150%. We are confident that the additional campaigns launched in the second quarter will continue this good growth momentum with a continuous increase in card spending. It will also reinforce the Bank’s role as a "trusted partner and reliable close friend" that delivers benefits and value for money in every spending,” said Mr. Shoke.

The Mall Group Chief Marketing Officer Voralak Tulaphorn said the Thai economy in 2025 will continue to face a variety of challenges, while the tourism sector remains the main driving force. It is predicted that in 2025, the number of foreign tourists to Thailand will reach 36 million, generating revenue for the country of more than 1.69 trillion baht. The Mall Group and Bangkok Bank want to play a part in stimulating the economy and supporting spending by building confidence among tourists through the "Bangkok Bank M Exclusive Month : SHOPVENTURE" campaign, a major mid-year sale in both shopping centers and shopping malls under The Mall Group. Customers spendings with all types of Bangkok Bank M Visa card will get many privileges such as redeeming points for discounts up to 50% and receiving M Cash Coupons for up to 6,000 baht. At the same time, it continues to expand cooperation with overseas businesses to deliver a variety of benefits to M Card members and Bangkok Bank M Visa cardholders.

“The Mall Group continues to penetrate the international retail market, building on the success of the expansion of "Global Privilege" which extends benefits to M Card members and Bangkok Bank M Visa cardholders to suit the lifestyles of shoppers who love to travel around the world. Currently, The Mall Group has partnerships with department stores in 14 countries across Asia and Europe. These include Printemps in France, El Corte Inglés in Spain, nine branches of the Village Outlet under The Bicester Collection in Europe, Don Quijote in Japan, Sunway City in Malaysia, and K11 Musea in Hong Kong. This year we aim to establish partnerships with four more international department stores worldwide,” said Ms. Voralak

สะสมจำนวนซีซี

“For many years Bangkok Bank has been a strong partner and a vital force, constantly supporting the mission of the Blood Center. Notably, thanks to the recent “8 million cc for 80 years of Bangkok Bank” project, we successfully collected up to 14 million cc of blood, or more than 35,000 units, equivalent to saving the lives of over 100,000 patients. This year, we will continue our participation with the “Bangkok Bank aims to deliver 7 million cc Blood Donation to Save Lives throughout Thailand” project. This initiative represents another significant step in amplifying the power of the 'givers’ to cover a wider area. It will also play a crucial role in ensuring that Thai society has sufficient blood reserves in all situations, both normal and critical, so that every life has an equal and timely opportunity for treatment,” said Associate Professor Dootchai. For those interested in joining the “Bangkok Bank aims to deliver 7 million cc Blood Donation to Save Lives throughout Thailand” project, blood donations can be made at the National Blood Center, Thai Red Cross Society, in any of the 12 National Blood Service Regions nationwide, Mobile Blood Donation Units, and provincial hospitals that serve as blood service branch hospitals. Simply scan the QR code, fill in your information, and record the number of cc. donated with the project. Additionally, you can donate at the 12 Bangkok Bank Mobile Blood Donation Units, which will be organized quarterly in various regions nationwide until December 31, 2025.

A token of gratitude: Blood donors under the project who have donated 3 times within 2025 will receive a commemorative amulet of ‘Somdej Phra Pairee Pinas, Wat Bowonniwet Vihara’. For more information and the schedule of 12 Bangkok Bank’s Mobile Blood Donation Units, please contact Bangkok Bank at 0-2230-2062 or 0-2230-2700.

Triple Happiness at Mo-Mo-Paradise – Bangkok Bank Senior Vice President and Credit Card Marketing Manager Voranuch Siratharanont in collaboration with Noble Restaurant, launched the 'Triple Happiness at Mo-Mo-Paradise' campaign offering three special privileges for Bangkok Bank credit cardholders and fans of suki-shabu buffet who dine at Mo-Mo-Paradise and Mo-Mo-Paradise Gold branches nationwide. First privilege – get a 5% discount for spending of 2,500 baht per sales slip (discount for the All-You-Can-Eat set excludes alcoholic beverages and water). Second privilege – get 15% cashback when you redeem Thank You Rewards or M Points equal to the spending amount per sales slip, with no minimum spending required and no limit on the number or points redeemed. Register via SMS on the day of the transaction (service fee of 3 baht per SMS). Third privilege – the top 30 Mo-Mo-Paradise fans with the highest accumulated spending, will win prizes worth a total of 600,800 baht. To qualify simply use your Bangkok Bank credit card, accumulate spending and make at least three transactions during the promotion period.

• Top 1-10 fans: Receive a Samsung Galaxy S25 Ultra 256 GB mobile phone worth 46,900 baht each. A total of 10 prizes, with a combined value of 469,000 baht.
• Top 11-30 fans: Receive a Mo-Mo-Paradise gift voucher worth 6,590 baht each. A total of 20 prizes, with a combined value of 131,800 baht (each prize includes 10 All-You-Can-Eat vouchers worth 659 baht each)
  
  

Bangkok Bank has paved the way for Thai businesses to enter the global market while responding to the green economy and low-carbon trends. The Bank invited experts and executives from leading private companies to share their success strategies through 'The Great Green Transition' seminar. The event addressed key challenges such as climate change, trade laws and measures, and inspirations for entrepreneurs. The Bank is ready to be a 'trusted partner and reliable close friend,' helping businesses adapt through knowledge, business networking, and financing to seize business opportunities and achieve sustainable growth.

Bangkok Bank President Mr. Chartsiri Sophonpanich stated at the opening of the seminar 'The Great Green Transition' that the world is undergoing a significant shift from global warming to global boiling, leading to more frequent and intense natural disasters across all continents, affecting both developing and developed countries. Environmental issues are becoming a global challenge with increasing impacts on the economy, trade, and investment. Major countries around the world are continually implementing regulatory measures and increasing their intensity. For example, the European Union has introduced the Carbon Border Adjustment Mechanism (CBAM), which imposes additional fees on products with CO2 emissions higher than the approved standard.

All sectors need to understand how to measure the CO2 emissions of their businesses, how to move towards a low carbon supply chain, how to decarbonize their main production processes, and how to create and implement green innovation as a competitive advantage. This means everyone must move towards a transition known as the Green Transition and must achieve it.

For this reason, Bangkok Bank has initiated 'The Great Green Transition' project as a crucial start to build on environmental concepts and innovations, promote sustainable and eco-friendly growth, create networks, and enhance the capabilities of Thai entrepreneurs towards achieving ‘Green Thailand’.

To develop this concept into activities that support entrepreneurs to adapt, the 'The Great Green Transition' seminar was organized to serve as a platform for exchanging knowledge, experiences, and perspectives from experts and senior executives from leading organizations, all of whom support the transition of Thai businesses towards a green and low-carbon economy.

“Bangkok Bank is dedicated to helping Thai businesses adapt to new environmental standards and smoothly transition to a low-carbon economy. We believe that 'The Great Green Transition' project will be a crucial tool for Thai entrepreneurs to navigate changing global regulations, create market expansion opportunities, and enhance business value. This initiative will also contribute to Thailand's goal of achieving Net Zero Emissions. Bangkok Bank is ready to be ‘a trusted partner and reliable close friend,' supporting Thai entrepreneurs to make a business transition into the future,” said Mr. Chatsiri.

Bangkok Bank is not only supporting knowledge but also offering a range of financial products and services to help customers transition smoothly to new business models. These include the Bualuang Transformation Loan for businesses wishing to enhance their operations in the digital age and adapt to the next normal by leveraging digital technology, adopting environmentally-friendly practices, or utilizing future innovations. Additionally, the Bank offers the “Bualuang Green Loan” and “Bualuang Green Solar Energy Loan” to meet environmental goals and align with ESG principles. The Bank has also prepared staff to assist customers from the initial stages of business adjustment planning to closely monitoring the situation and supporting problem solving.

The Bank has consistently organized activities to promote knowledge about these issues for entrepreneurs. One such event was the “Green Innovative Solutions Startup Pitching”, in which Thai startups with expertise in green business innovations were invited to present solutions to help Thai entrepreneurs transition effectively into the new competitive landscape. The event received participation from 44 startups, with 10 outstanding projects selected to exhibit their products and services at the seminar. Additionally, the top three startups were chosen to present their innovations on the seminar stage.

The Bank is also set to launch the “Green Transition Academy” training course, offering in-depth knowledge and practical training on climate change measures and regulations. Meanwhile, the Bank will create an official Facebook fan page, “The Great Green Transition by Bangkok Bank”, to serve as a hub for sharing knowledge, providing information on environmental trends, providing updates about regulatory measures affecting business operations, and offering organizational management guidelines for transitioning to new-era business practices. This platform will emphasize practical methods and examples that entrepreneurs can apply to their businesses.

Creating Business Leaders in the Digital Era – Bangkok Bank Executive Vice President Mr. Kobsak Pootrakool, joined Chulalongkorn University President Professor Dr. Wilert Puriwat, Director of the Leaders for Global Operations Program at MIT Sloan School of Management Professor Yanchong Karen Zheng, and Senior Lecturer in Operations Management and Executive Director of the Leaders for Global Operations (LGO) Program Mr. Thomas Roemer, to launch the “Chula-LGO” program. This program aims to develop future leaders with comprehensive expertise who can integrate knowledge in engineering, business operations, and industrial systems management as well as precisely analyze and make decisions in complex situations in order to drive organizational success in the digital era. Bangkok Bank, as a “leading regional bank” and “trusted partner and reliable close friend,” focuses on developing technological innovations to create and enhance products that meet the needs of customers and businesses, providing excellent experiences and strengthening and leveraging the digital financial ecosystem. The Bank also offers students internship opportunities with its expert teams and builds bridges between the academic and business sectors to produce well-rounded, and highly capable, next-generation leaders who will play a crucial role in driving Thailand’s economy towards a sustainable future.

The “Chula-LGO” program is a two-year master’s degree designed to provide interdisciplinary learning experiences. Students will earn a master’s degree from the Faculty of Engineering and an MBA from the Faculty of Commerce and Accountancy at Chulalongkorn University. The curriculum is deeply integrated with both theoretical and practical learning, including a two-week study program at MIT LGO and a six-month research and internship project in the industry, ensuring students are well-prepared for the real world.

Bangkok Bank, as a “leading regional bank” is committed to creating value and sustainably elevating Thai education to an international level. The Bank supports the Chula-LGO as a Founder of the program, in collaboration with other private companies. This aligns with our ongoing partnership with MIT since 2014, through initiatives in research and innovation development, such as the Action Learning project, which allows MIT students to develop projects with local companies, and joint training/seminar programs to exchange perspectives with executives from leading private companies on technological and environmental impacts. Similarly, our continuous collaboration with Chulalongkorn University covers supporting training/seminar events, scholarships, special lectures by the Bank’s executives and experts and this new partnership program. The Bank aims to build not only a network of next-generation leaders who can adapt and lead organizations toward global success but also to contribute to Thailand’s human resource development plans, where Digital Transformation, Artificial Intelligence (AI), and Industry 4.0 technologies are transforming the world.

Bangkok Bank has demonstrated exceptional performance by winning seven excellence awards in bonds from the Thai Bond Market Association. The Bank received the prestigious Best Bond House and Top Underwriter awards, along with three notable awards for environmental, social, and sustainability bonds. This shows that the market in 2025 is interested in shorter-term bonds compared to the previous year and is avoiding high-risk industries. The Bank continues its journey as a Sustainability Bond House, emphasizing its role as a trusted partner and reliable close friend, supporting all financial and investment matters.

Bangkok Bank Executive Vice President and Corporate Finance Department Manager Mr. Prasert Deejongkit said the Bank received excellent bond awards from the ThaiBMA Best Bond Awards 2024 organized by the Thai Bond Market Association. This year, the Bank received seven awards as follows:

1. Best Bond House – awarded to a financial institution with excellence in bond transactions in primary and secondary markets and for outstanding contributions to the development of the bond market.
2. Top Underwriter – awarded to institutions with the highest total value of long-term corporate bond issuances.
3. Best Primary Market Contributor – awarded to the financial institution with the highest allocation of government bonds in the primary market through participation in auctions of government bonds issued by the Ministry of Finance in the 2024 fiscal year.
4. Best Secondary Market Contributor – awarded to financial institution with the highest allocation of government bonds in the secondary market, based on the trading value of government bonds issued by the Ministry of Finance in the 2024 fiscal year.
5. Most Innovative Deal – awarded to the issuer and underwriter of sustainability-linked bonds who demonstrated innovative fundraising which serves as a model for other bond issuers. The awarded bond was for Minor International PCL’s No. 1/2024 tranche 1 and No. 1/2024 tranche 2.
6. Government Sector ESG Bond of the Year – awarded to government bonds and underwriters of government bonds under the Ministry of Finance's fundraising framework for environmental, social, and sustainability in the first round in the 2025 fiscal year.
7. Deal of the Year – awarded to bond issuer and underwriter of most outstanding private sector bond transaction in all aspects, which was the Advanced Info Service Public Company Limited's bonds batch 1-5 of the first round in 2024.

“Receiving these awards is a great honor as we have received a total of seven awards, including the prestigious Best Bond House Award, which is considered the highest award. The evaluation is based on excellence in various dimensions, including bond transactions in the primary and secondary markets and the Bank’s prominent role in the development of the bond market. We also received the Top Underwriter Award, as we have underwritten the highest total value of long-term private bonds in the past year, reflecting the confidence of both bond issuers and investors have in the Bank as a "leading regional bank" with expertise and experience in the finance, as well as a clear commitment to operate in accordance with sustainable development guidelines.”

In addition, three of the awards came from outstanding performance in the issuance of bonds to raise funds for environmental, social and sustainability. One of which is the Government Sector ESG Bond of the Year award for underwriting government bonds under the Finance Ministry’s framework of fundraising for environmental, social and sustainability. This reflects the Bank's commitment to be part of sustainable development covering environmental, social, and governance (ESG).

Mr. Prasert also said that the new private bond which will be launched in 2025 is expected to have an offering of similar value to last year, but the average maturity is likely to be shorter, and most of the bonds will be issued to refinance existing bonds or repay loans, rather than investing in new projects as a result of the recent slowdown in private investment.

Despite the increasing investment demand among institutional investors they are still quite cautious as they tend to invest in bonds rated A or higher. In the case of bond funds, investors are interested in investing in Zero Coupon Bonds with a maturity of not more than 3 years, which meets the needs of better risk management and has higher liquidity in the secondary market. Meanwhile, individual investors prefer 2-4 year bonds with a credit rating of BBB or higher, but they are still cautious about investing in some industries that are affected by the current economic conditions.

“Although investors are interested in investing in bonds to diversify risks, it is clear that they are being more careful in the selection of bonds. The Bank strives to select bonds with appropriate risk and provide customers with appropriate returns. The Bank maintains its policy of being a Sustainability Bond House that focuses on five strengths: Trust - building trust with both bond issuers and investors, Service - providing services that exceed customer expectations, Market Development - collaborating with various agencies to develop the bond market, Product Development - creating products and innovations, especially in the field of ESG, and finally, People Development - developing quality personnel with moral qualities and expertise to be "trusted partners" to advise and offer products that best meet the needs of each customer group," Mr. Prasert said.

In response to market volatility and low interest rates, Bangkok Bank has seen growing customer demand for long-term savings options that minimize risk and ensure consistent returns. The Bank is partnering with Bangkok Life Assurance to launch "Gain 1st Savings 10X 15/10", a new savings insurance product for customers who seek financial stability. Ensuring long-term financial planning confidence, this policy requires premium payments for just 10 years, while providing coverage for 15 years, an annual return of 10% of the insured amount, a lump sum payout of 10 times the insured amount upon maturity and life coverage up to 2,100%. "Gain 1st Savings 10X 15/10" is available exclusively at Bangkok Bank, a “trusted partner” that understand customer’s financial planning for the future.

Bangkok Bank Executive Vice President Ms. Pornpimon Trongtiengdham stated that given the high volatility in both the Thai and global economies and the country's transition to a completely aged society, working adults, responsible for both their parents and children, are seeking long-term savings options that provide steady returns to reduce risk and secure their stability. As a "trusted partner" in financial planning for all customer groups for over 80 years, Bangkok Bank has collaborated with Bangkok Life Assurance Public Company Limited to launch "Gain 1st Savings 10X 15/10". This savings insurance plan addresses the need for long-term financial stability with valuable returns, minimizing the risk of principal loss, and providing life coverage as a guarantee for family members. Additionally, it offers a personal income tax deduction of up to 100,000 baht. The "Gain 1st Savings 10X 15/10" is one of three products designed to meet the needs of all three generations in Thai society, and we will launch two other products soon.

"The Bank has a substantial customer base of people aged 45 and above who are financially stable, have good purchasing power and the ability to save, and seek long-term security, and “Gain1st” is a popular savings insurance product among this group of customers. This year the Bank has introduced "Gain 1st Savings 10X 15/10" to more precisely meet their specific needs by giving steady returns, reducing market volatility risks, and providing high life coverage with additional accident coverage. This policy is easy to purchase without any need for a medical examination or health-related questions Therefore it is suitable for working individuals, whether they are company employees or business owners, who are looking for financial planning tools to ensure long-term stability," Ms. Pornpimon added.

Mrs. Laddawan Sitthiworranant, Executive Vice President of the Bancassurance and Partnership Distribution Division at Bangkok Life Assurance Public Company Limited, stated that in the current environment of declining deposit interest rates, effective financial planning is crucial for success. The "Gain 1st" insurance policy, a savings insurance product jointly developed by Bangkok Life Assurance and Bangkok Bank, has been available for a considerable time. Presently, the Gain 1st product offers a variety of insurance options tailored to different needs and is widely accepted by Bangkok Bank’s customers, particularly those in the working-age group. This is due to its notable features, including higher returns compared to deposits and its ability to provide financial security and life insurance coverage, meeting the requirements of long-term financial planning.

The latest product, "Gain 1st Savings 10X 15/10", has been launched to cater to the needs of potential customers, particularly middle to high-level executives and new-generation business owners. It is exclusively available through Bangkok Bank’s channels. The key feature of this product is that you pay premiums for only 10 years but receive life insurance coverage for 15 years. Additionally, you receive a fixed return of 10% of the insured amount per year during years 1-14, which is tax-free. Upon contract maturity, you will receive a substantial lump sum of 10 times, or 1,000%, of the insured amount. Furthermore, there is a continuous increase in death coverage up to 1,050%, and in the event of death due to an accident, the life insurance coverage increases to 2,100% of the insured amount.

The "Gain 1st Savings 10X 15/10" insurance policy is ideal for individuals seeking a financial planning product that allows them to grow their existing funds without taking investment risks. Additionally, simply saving money can lead to lost opportunities due to inflation, which diminishes the value of savings over time. This policy is also well-suited for those planning to start a family, as it helps create financial stability. The policy offers a money-back guarantee and provides life insurance coverage of up to 2,100%, ensuring peace of mind for the family. Furthermore, it offers tax benefits, allowing policyholders to use the insurance premium to reduce personal income tax as specified by the Revenue Department, up to a maximum of 100,000 baht.

For those interested in the "Gain 1st Savings 10X 15/10" insurance plan, you can apply at any Bangkok Bank branch nationwide without needing a health check or answering any health questions. For more information, please visit any Bangkok Bank branch, call Bualuang Phone at 1333, contact Bangkok Life Assurance Public Company Limited at 0 2777 8888, or visit www.bangkoklife.com

• Papa Paper under Simply Décor Company Limited: a business focusing on sustainable materials turning agricultural waste into paper to reduce waste, burning and carbon emissions.
• T-Smart under TIE Smart Solutions Company Limited: a business focusing on implementing AIoT to reduce energy consumption of the HVAC system through the AIoT controller.
• Videnvaren+ under Bangkokphraiya Group Company Limited: a business focusing on environmentally friendly building materials with an interlocking passive brick solution. 
• Zeroboard (Thailand) Company Limited: a platform for sustainability management through ESG related data collection, calculation and accurate reporting to help businesses easily manage their sustainability efforts.
• Carbon Crunch : a startup focusing on innovating animal feed to help reduce greenhouse gas emissions. They are currently developing their business idea from a project by students from Srinakarinwirot University.
• Smart Hybrid Aerator under Smart Hybrid Aeration System Company Limited: an innovation company that has developed a system to lower energy consumption during wastewater treatment.
• Rewastec Company Limited: a company focusing on transforming plastic waste and agricultural residues into new value-added products such as plastic pellets and composite ropes.

"Throughout the years, the Bank has been part of promoting the building of networks to share experiences, knowledge, opportunities, and innovations. The Great Green Transition project aims to provide a platform for startup networks with potential innovations to present their projects to entrepreneurs seeking innovative solutions to enhance their operational efficiency while transitioning towards a low-carbon economy, which is the new direction for the future world. The Bank intends to continue these projects to emphasize its commitment to being a ‘trusted partner and reliable close friend’ ready to support the growth of entrepreneurs, enabling them to move forward confidently and adapt to ongoing challenges,” said Dr. Pichet.

The Great Green Transition seminar will be held on Friday, March 28, 2025, at Siam Kempinski Hotel Bangkok. Participants can view presentations from 10 startups and receive innovative green ideas from the 3 winning startups. Participants will also get updates on the global climate change situation, related trade laws and regulations, business survival strategies through green innovation, and adaptation for strong and sustainable survival in the face of global climate change. Experts and senior executives from leading private companies in Thailand will present as follows:

• Special lecture on "Global Boiling and Its Impact on Thailand" by Mr. Phirun Saiyasitpanich, Director General Department of Climate Change and Environment.
• Special lecture on "Green Innovation: The Path to Survival for Thai Businesses" by Mr. Tim McCaffery, Global Investment Director, Siam Cement Group Public Company Limited.
• Panel discussion on "The Great Green Transition: How Businesses Must Adapt?" By: 
• Mr. Peerapong Krinchai, Executive Vice President - Central Engineering, Charoen Pokphand Foods Public Company Limited.
• Mrs. Gloyta Nathalang, Senior Executive Vice President, Sustainability Management and Corporate Communications, Bangchak Corporation Public Company Limited.
• Mr. Mongkol Tangsiriwich, President overseeing Thailand, Laos, and Myanmar Schneider Electric (Thailand) Company Limited.
• Moderated by Mr. Kobsak Pootrakool, Senior Executive Vice President and Corporate Secretary, Bangkok Bank Public Company Limited.

• Shell V-Power card is for customers who only want Shell's highest performance premium fuel in the V-Power category. The card is valid for 1 year.
• Shell All Product is for customers who fill up any type of fuel, shop at Select convenience stores, the Shell Cafe and use the oil change service. The card is valid for 1 year.

“Many SME need cars to support their work on a regular basis. Some companies currently manage the cost of refueling by using a corporate credit card or a fleet card. However, many small entrepreneurs may not be eligible to apply for a fleet card. This is a market gap, so Bangkok Bank as a "trusted partner" who understands and is ready to stand by all groups of entrepreneurs has joined with Shell, the country’s leading gas station, to serve these needs. The Bank is offering an easy-to-use, convenient, secure and highly flexible prepaid card as there is no required minimum purchase and no fee for a purchase of 1,000 baht and above. Businesses may also choose to use this card as a gift for customers or for marketing campaigns. As a result of this collaboration, the Bank expects to be able to issue 55,000 cards, totaling 110 million baht in the first year,” said Miss Sudrutai.

Miss Suwara Supreeyathitikul, Deputy Executive Director Retail Marketing Department, Shell (Thailand) Company Limited said “I am very pleased that Shell has partnered with Bangkok Bank, a leading regional bank, to co-launch the SHELL-BBL Prepaid Card. The card is easy to use and helps to control expenses, which is important. Especially in an economic slowdown, where controlling the expenses of various organizations through refueling cash cards is also a popular option. Currently, Shell has more than 720 gas stations nationwide and 3,200 EDCs that facilitate a variety of payment methods.

“Shell has been operating gas station businesses in Thailand for over 133 years. Beyond its image as a leader in premium fuel with the highest sales in Thailand, Shell has continuously developed various solutions to meet customer needs in the digital era. The SHELL-BBL Prepaid Card is one of the products that supports the needs of general customers and business organizations. More than 80% of this card’s customers are business organizations looking to securely control expenses. This collaboration with Bangkok Bank will further strengthen confidence as operations are conducted under strictly enforced high-security standards," said Miss Suwara.

Those interested in the SHELL-BBL Prepaid Card, including customers and entrepreneurs, can now purchase the card from all Bangkok Bank branches nationwide or at the Shell Card Service Center by convenient payment can be made through 3 main channels: 1. Bangkok Bank branches nationwide, 2. Bangkok Bank Mobile Banking, and 3. Bualuang iBanking. The card can be used to pay for fuel at Shell service stations nationwide starting from March 15, 2025. For more information, please contact Bangkok Bank Card Member Services Department at 0 2638 4444.