Financial Literacy Enhancement
Commitment
To promote financial literacy among all segments of the population and raise awareness of financial risks, coupled with fostering financial discipline and encouraging financial planning to support a better quality of life for the people and contribute to overall economic and social development in a sustainable manner.
Materiality
The Bank prioritizes continuously promoting financial literacy and strengthening financial discipline among our customers and the general public, including vulnerable groups of all ages. We believe that providing people with financial knowledge and understanding can help alleviate debt problems, improve quality of life and wellbeing, and create financial stability for households and small businesses. Moreover, having a financially literate population will help support Thailand’s development and provide opportunities for the Bank to expand its business.
Implementation
Our efforts to promote financial literacy focus on three areas:
- Preparing for an aging society: providing financial knowledge and promoting financial discipline to people of all ages to ensure a happy retirement.
- Strengthening the grassroots economy: enhancing financial literacy and vocational skills for SME and farmers to help them reach their potential, leading to new economic and social opportunities, and sustainable access to financial services.
- Building financial resilience for vulnerable groups: providing easily understandable knowledge about online financial fraud to vulnerable groups, such as the elderly and the visually-impaired, so they can protect themselves and prevent monetary and non-monetary losses.
Provision of Financial Literacy to Customers and the Public
Online Financial Education
We continue to provide financial education to customers and the general public, including all groups, genders and ages, through various channels such as the Bank's official website, Bangkok Bank Mobile Banking, LINE Official, Bangkok Bank’s official Facebook pages, including Bnomics and our YouTube channels. We disseminate information and knowledge about the journey towards becoming more financially secure through Grow Club, a website page dedicated to giving advice on financial knowledge and growth. Topics covered are: Money 101 which provides financial basics, simple tips, and smart guidelines to help people manage their finances better; Money Security which gives advice on protecting your money and how to manage your finances with easy-to- understand security techniques, and; Better Living which presents ideas, information on new trends, and inspiration for a wide range of subjects. In addition, we promote financial literacy among external organizations and educational institutions by assigning our expert speakers to give useful knowledge tailored to the needs of each organization.
Fin Lit for the Blind Project
Financial literacy should be widely and inclusively promoted to all groups to help develop a better society. We always place importance on providing financial knowledge to vulnerable groups and as part of this policy direction we have been undertaking the Fin Lit for the Blind project since 2019. Through this project, we produce articles and audio books for the Read for the Blind application as well as provide financial knowledge training under the Happy Retirement initiative. In 2025 the Bank supported the production of audio books and Braille books on Cyber Threats and Modern Scams for the Visually- Impaired, and also provided training on the same topic to members of the Thailand Service Co-operative of the Blind. This aimed to raise awareness of common online financial scams and suggest preventative measures that help visually-impaired people to conduct online financial transactions safely. A total of 50 people joined the training.
Happy Retirement Project
We expanded our activities to promote financial literacy and financial discipline for vulnerable groups through the Happy Retirement project by organizing an educational event on Safe Aging: Recognizing Scam Tactics at Bang Rak Police Station for the Senior Citizens Club of Public Health Center 23, Si Phraya. The purpose was to build the resilience of senior citizens against financial scams, as they are frequently targeted by scammers. The event also included additional activities, such as physical exercise to prevent falls and dementia, led by a team of physiotherapists from Public Health Center 23 Si Phraya; a board game activity to prevent Alzheimer’s, led by students from Wat Mahapruetaram Girls' School; and birthday celebrations for club members born in August. Seventy members of the Senior Citizens Club participated. Furthermore, in 2025 we provided financial education and guidance on sustainable financial planning to employees in both factories and offices of our 156 clients using Bualuang Payroll services, with over 8,000 employees participating in total.
Financial Security with the Modern Agriculture Project
We organized financial literacy activities to lay the foundation for financial security and strengthen online financial resilience for small-scale farmers. In 2025 we conducted the Financial Security with Modern Agriculture activity for the Don Tum Community Enterprise, which grows and processes tomatoes in Nakhon Pathom.
Unlocking Debt – Happy Retirement Project
Through a collaborative commitment to promote financial discipline among blue collar workers with low income who face challenges from chronic debt and loan sharks who charge very high interest, the Bank and Noburo, a social enterprise startup, jointly launched the Unlocking Debt – Happy Retirement campaign. This initiative seeks to raise awareness about personal finances for employees of participating companies, provide advice on proper financial planning along with knowledge about how to keep track of income and expenses and debt management, as well as helping to relieve debt burdens through Noburo’s low interest loans. Many companies entrusted the Bank to help their employees manage their debt problems with over 400 employees participating in the initiative and 152 of these actively working to resolve the debt issues. Through this project, Baht 19.95 million of accumulated debt was paid off, of which Baht 8.2 million was debt with loan sharks. The Bank will continuously monitor the results of the debt repayment mission with the hope that this project will help the employees sustainably manage their finances and prevent excessive debt.
Debt Clinic by SAM Project
We have continuously supported the Debt Clinic by SAM project since 2017 to help retail customers with combined debts of less than Baht 2 million from credit cards, cash cards and unsecured personal loans which is more than 120 days overdue, or who have been more than 120 days overdue at any time during the previous six months. Under this project, Sukhumvit Asset Management (SAM) acts as a central unit to connect debtors with creditor banks. This gives debtors the opportunity to comprehensively resolve their debt problems through a one-stop service. In addition, the project also provides training programs on financial planning for participating debtors to foster financial discipline to achieve a sustainable debt solution.
2S (Saving and Service) Project
The Bank promotes financial knowledge and financial discipline for people of all age groups, with particular emphasis on children. This is carried out through the 2S (Saving and Service) for Kids project through which our employees organize knowledge-sharing activities and build positive relationships with students, teachers and parents at various educational institutions. In 2025 our employees helped organize activities to share knowledge about saving and basic financial management at 27 schools with a total of 3,240 participating students. An outgrowth of these activities was a significant number of students, teachers and parents becoming interested in applying for several of our products, including Bangkok Bank Mobile Banking and e-Saving accounts. Additionally, for National Children’s Day 2025, we distributed 150,000 Nong Jud’s Eco-friendly Notebooks to children. These notebooks are made from environmentally-friendly eco fiber paper pulp (made from recycled paper) and incorporate tips on how to record income and expenses, simple saving techniques, environmental conservation, and waste separation.
The Investment Master @ University Project
The Bank teamed up with Bualuang Securities, BBL Asset Management and the Stock Exchange of Thailand, as well as public and private educational institutions to carry out the Investment Master @ University project to promote finance and investment education among students to help them learn how to become quality investors in the future. Participating university students learned directly about personal finance and investment from experienced speakers. During 2025, both online and onsite activities were organized with a total of 1,801 students participating in the project from 10 universities, namely Thammasat University, Chiang Mai University, Mahasarakham University, Burapha University, Rajamangala University of Technology Bangkok, Bangkok University, Narathiwat Rajanagarindra University, Kamphaeng Phet Rajabhat University, Phibulsongkram Rajabhat University, and Lanna Polytechnic College in Chiang Mai. The project also gave students the opportunity to ask questions about, and apply for, the Bank’s products and services.
Bangkok Bank SME (Puan Koo Kit SME)
The Bank stands alongside and supports the growth of SME through a range of activities from providing loans and consulting on business development and conduct of family business, to delivering useful news and information through the Bangkok Bank SME learning network, which uses various channels including the website, Facebook, YouTube, Instagram, X, TikTok, Podcast, and Blockdit. In 2025 through the newly launched Be Sustainable program, Bangkok Bank SME learning network focused on educating businesses about sustainable business practices and showcasing inspiring case studies from exemplary clients who have successfully applied sustainability concepts to their businesses. Additionally, the learning network continued its ongoing online programs, SME The Master Talk, SME Clinic Exclusive, and SME Successor, which together have generated over two million views.
Money Expo and Thailand Smart Money
We promote financial and investment education while providing information on the Bank's savings and investment products to customers and the general public across all regions of the country. For example, we join annual finance and investment events, particularly those of Money Expo, which were hosted seven times in six provinces in 2025, namely Bangkok (twice), Songkhla, Nakhon Ratchasima, Rayong, Udon Thani, and Chiang Mai, as well as Thailand Smart Money in Bangkok. At these events, experts from the Bank and our partners gave advice on saving, investing and financial planning, as well as introducing the Bank's products and services to interested attendees. In 2025 over 500,000 people attended these events.
AEC Connect
The Bank established AEC Connect as a trade and investment advisory service center for customers who are interested in doing business in the ASEAN Economic Community (AEC) under the concept Puan koo kit mit koo AEC. Under this initiative, we regularly organize training courses and seminars on trade, investment and how to do business across ASEAN countries as well as launching the AEC Business Leader course, an in-depth workshop specifically for Thai business people and entrepreneurs, especially SME, who want to do business in ASEAN member countries. This course provides people with relevant in-depth knowledge and investment practices, such as international business management in the AEC, business operations and market penetration, accessing trade channels, and building entrepreneurial networks to expand business in the AEC. It also provides opportunities to collaborate with our clients who are doing business in Thailand and across the region. In 2025 AEC Connect organized the annual AEC Business Forum 2025 under the theme ASEAN In the Age of Disruption, with over 900 participants. AEC Connect also continued to provide economic and investment knowledge across ASEAN through the Bank's website and other online channels such as Facebook, YouTube and LINE Official. Moreover, we also organized AEC Investment Clinics and seminars on important topics, such as Opening the Door to Golden Opportunities in Malaysia: Trade-Tech-Tourism; Expanding into the Vietnam Market: The Next Asian Tiger; and Opening the Door to Hong Kong: A Gateway Connecting Thai Businesses to the Global Market. In addition, we also published three episodes of live interviews with the Bank’s executives and senior executives from various leading businesses in the AEC Insider program via Facebook and YouTube, generating more than 6,000 views in total.
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