Management Approach

We have established a Corporate Social Responsibility (CSR) policy for the Bank and also encourage our subsidiaries within the financial business group to adapt and implement the policy in alignment with their respective operational contexts. In considering the implementation of social initiatives, we take into account various factors, including their significance to communities and society, alignment with the United Nations Sustainable Development Goals (SDGs), relationships with partner organizations, as well as the Bank’s business strategy and areas of expertise. This approach ensures that the initiatives generate tangible positive impacts and benefit the Bank, participating employees and supporting partners. The Bank has designated the Public Relations Department as the central function responsible for overseeing our social initiatives, while also allowing other departments to independently initiate and implement their own social projects.

Key Activities

We actively promote employee engagement in volunteer activities, encouraging participation in social projects that align with their personal interests. These initiatives are organized into six key areas: 1. Supporting the wellbeing of communities and society; 2. Promoting healthcare services; 3. Supporting youth development and promoting educational opportunities; 4. Strengthening the agriculture sector and SME; 5. Promoting and preserving Thai culture and heritage; and 6. Nurturing religion. The details are as follows:

1.Enhancing Community and Social Wellbeing
 

• Bualuang Save the Earth: Rak Tha Chin
  
  Recognizing the severity of marine waste pollution and its widespread impacts, we initiated waste management efforts in the Tha Chin River estuary, a key waterway connected to the Gulf of Thailand, under the Bualuang Save the Earth: Rak Tha Chin project. The initiative is implemented in collaboration with local communities, government agencies, private sector partners, and other relevant stakeholders. The project selected Luang Sahakon Canal and Pittayalongkorn Canal in Khok Kham Subdistrict, Mueang District, Samut Sakhon Province, as pilot areas. Installed waste interception equipment includes buoy-strung litter traps, bamboo cage litter traps, and stake-based litter traps, as well as a permanent waste shelter in the form of the whale shark Nong Jud Yak for collecting recyclable waste within the community. Since the project’s inception in 2024, the waste interception systems have captured more than 48.99 metric tonnes of aquatic waste, helping to reduce greenhouse gas emissions from landfill disposal by over 164.84 tonnes of carbon dioxide equivalent. Recyclable waste is sorted and collected for recycling, and we have also supported the establishment of a mobile community waste bank to promote integrated waste management and generate additional income for local communities.

  

  

   
  Furthermore, we have continuously played an active role in driving and participating in key local initiatives throughout the year. These include fostering marine conservation awareness among children and youth during World Oceans Day activities; supporting the creation of artificial reefs made from repurposed cement mixer drums, creatively painted to enhance their appearance, to help restore balanced marine ecosystems as part of the Upper Gulf of Thailand Sea Succession Ceremony (Type A); and organizing the Rak Tha Chin School Tour in collaboration with Khok Kham Municipality. The School Tour aims to educate students on waste segregation, school-based waste banks, and the development of disciplined saving habits. The activities were conducted at Ban Sandab School, Ban Chai Talay Khok Kham Mittraphap School No. 95, Wat Sophanaram (Plang Ruam Rat Bamrung) School, and Phanthai Norasing Wittaya School, with participation from more than 500 teachers and students in total.

• Bualuang Green Trip #2
  
  In collaboration with Khok Kham Municipality and the Department of Marine and Coastal Resources Region 8 we organized the Second Bualuang Green Trip, bringing together members of the Bualuang Green Team and students from the 78th Class of the Student Internship Program (SIP). The activity took place at the Bamboo Wave- Attenuation and Coastal Ecosystem Restoration Project in Khok Kham Subdistrict, Samut Sakhon Province. Key activities included releasing crabs to help restore natural crab populations, planting 1,000 mangrove trees to strengthen coastal erosion protection and serve as nursery habitats for aquatic species, collecting waste along the beach and within mangrove areas, and distributing essential supply kits to bed-ridden patients in the local community.

• Bualuang Rak-Pa: Create a Colorful Forest
  Under our flagship Bualuang Save the Earth project we organized the Bualuang Rak-Pa: Create a Colorful Forest initiative. The activity brought together more than 150 participants, including members of the Bualuang Green Team, Bualuang volunteer employees, partner organizations and the Ban Tham Suea community. A total of 1,000 trees of various species were planted within the Ban Tham Suea Community Forest in Kaeng Krachan District, Phetchaburi Province. The initiative aims to support the future development of nature-based tourism routes while fostering environmental conservation awareness among Bank employees and strengthening positive relationships with local communities.

• Support for the Operations of the Utokapat FoundationIn accordance with the royal initiatives of His Majesty King Bhumibol Adulyadej The Great, we have continuously supported sustainable water resource management through the Utokapat Foundation under Royal Patronage for 19 consecutive years. This support is provided under the Water is Life concept, which emphasizes an integrated approach to addressing water scarcity, flood management, and water quality improvement, while promoting the transfer of water management knowledge to local communities. In 2025 we provided financial support of Baht 1 million for the Foundation’s operations and actively participated in six key initiatives: 1. Knowledge exchange on community water resource management based on the royal initiative at the watershed level; 2. The royal initiative project on water conservation, Season 10; 3. Natural history museum of community water management in accordance with the royal initiative; 4. Do For the King project; 5. Project for the sharing of successful case studies; and 6. Community water management toward sustainability project.

• Bualuang Foundation Joins the Community to Solve Drought Project
  
  In collaboration with the Bualuang Foundation and the Utokapat Foundation under Royal Patronage, we implemented the Bualuang Joins the Community to Solve Drought Project for the sixth consecutive year under the concept Transforming Drought into Abundance and Wellbeing. The project promotes community-based water management through providing support for installing water infrastructure including dams, ponds, reservoirs, solar-powered water pumping systems, gravity-fed water supply systems, and drinking water filtration systems. These efforts aim to increase the availability of water for household consumption and agricultural use, thereby enhancing water security and improving the quality of life of local communities. In 2025 we provided funding of more than Baht 5.7 million to support four communities in four provinces—Phayao, Phitsanulok, Ubon Ratchathani and Chaiyaphum—covering over 3,465 rai of agricultural land. The project benefited more than 450 households and increased the availability of water for consumption and agricultural use by 45,715 cubic meters.

• Bualuang Builds Communities
  
  We support the Bualuang Builds Communities project to provide vocational training and marketing ideas to people in the communities that have a certain level of readiness, building on what the communities already have. The project focuses on capacity building through training and development activities that enhance communities’ ability to manage operations and improve products to create added value. In 2025 the project was implemented in five locations with a total budget of over Baht 2.4 million, covering the following communities: 1. Ban Tong Kao Community, Krueng Subdistrict, Chiang Khong District, Chiang Rai Province; 2. Khun Khuan Community, Khun Khuan Subdistrict, Pong District, Phayao Province; 3. Ban Pha Chan Community, Pha Chan Subdistrict, Pho Sai District, Ubon Ratchathani Province; 4. Nakhon Pa Mak Community, Nakhon Pa Mak Subdistrict, Bang Krathum District, Phitsanulok Province; and 5. Tha Mafai Wan Community, Tha Mafai Wan Subdistrict, Kaeng Khro District, Chaiyaphum Province.

• Vocational Training for Persons with Disabilities
  
  We place strong emphasis on reducing inequality and creating opportunities for persons with disabilities. In 2025 we provided support for vocational training to more than 188 persons with disabilities nationwide, amounting to Baht 22,644,600, through foundations and associations dedicated to promoting and improving the quality of life of persons with disabilities.

 
2. Supporting Healthcare Services
 

• Credit and Debit Cards Supporting Healthcare Services
  
  To support healthcare services and assist underprivileged patients we have initiated a donation program for Siriraj Hospital and Ramathibodi Hospital through participating cards. We have been contributing a portion of annual cardholder fees of Bangkok Bank Titanium Credit Cards (Ramathibodi Hospital), Bangkok Bank Visa Platinum Siriraj Credit Cards, and Be1st Smart Rabbit Cards, to Siriraj Hospital and Ramathibodi Hospital. In addition, cardholders may redeem reward points in lieu of cash donations to the hospitals, with the Bank matching the redeemed donation amount. We also provide additional contributions equivalent to 0.2 percent of card spending. In addition to charitable giving, cardholders receive a range of exclusive benefits from the card scheme. As of the end of 2025, there were more than one million cardholders of the card program, and the cumulative donations since the program’s inception was over Baht 600 million.
• Mobile Medical and Dental Unit
  
  The Mobile Medical and Dental Unit Foundation (MMDU) provides medical and dental services through field hospital operations, enabling low-income and underprivileged populations in rural and remote areas to access quality healthcare services free of charge. In 2025 the mobile medical and dental units conducted a total of four outreach missions in Nakhon Ratchasima, Trat, Nakhon Si Thammarat and Kamphaeng Phet provinces. We provided financial support of Baht 400,000, along with 63 wheelchairs, 2,905 pairs of reading glasses and 2,500 bottles of drinking water. A total of 5,473 individuals received medical and dental services, with 133 executives and employees of the Bank participating as volunteers.
• 7 Million cc Blood Donation to Save Lives throughout Thailand Project
  
  We continued on our mission to inspire giving through the Bangkok Bank Aims to Deliver 7 Million cc Blood Donation to Save Lives throughout Thailand project to support the National Blood Centre, Thai Red Cross Society’s 70th Birthday, 70 million cc Blood Donation campaign in honor of Her Royal Highness Princess Maha Chakri Sirindhorn, on the auspicious occasion of her Royal Highness’s 70th birthday anniversary. We hosted 12 mobile blood donation points at selected Bank branches nationwide and invited the general public, as well as Bank employees, to participate in blood donation activities on a quarterly basis.

 
3. Youth Development and Promotion of Educational Opportunities

• The CONNEXT ED: Bangkok Bank
  
  Bangkok Bank is one of the private sector co-founders of the CONNEXT ED Project, a collaborative initiative involving the public sector, civil society and the private sector, with the objective of enhancing the quality of education in Thailand. Altogether 104 branch managers and staff from our 102 branches across 50 provinces have served as School Partners, working closely with 4,145 teachers and educational personnel to support learning activities that develop new academic and life skills across multiple dimensions. The initiative has benefited a total of 67,023 children and youth from 241 schools in 54 provinces. In addition to improving educational quality, the program also includes sub-projects aimed at fostering awareness of clean energy and financial literacy, as outlined below.

• Solar for School
  
   

  

   
  
  To promote environmental awareness and responsible engagement at Ban Kroen Kathin School in Ban Mi District, Lopburi Province, we collaborated with the Bank’s customers to install a solar rooftop power generation system at the school. This initiative aims to encourage the use of clean energy, reduce electricity costs, and raise students’ awareness of global warming and greenhouse gas emission reduction. We also supported Design Thinking training to strengthen the capabilities of school administrators and teachers in developing and implementing the school’s future development plans.

• Daily Savings Program to Expand Educational Opportunities
  
  At Ban Bo Luang School, Hod District, Chiang Mai Province, we introduced the Daily Savings Program with field-work engagement of School Partners to build a foundation for long-term financial security and an improved quality of life for the future. We worked closely with the school and parents to provide basic financial education for children, raise awareness of the benefits of saving, and share practical saving tips that contribute to long-term financial security and improve quality of life.

• Coding Skills Development Program
   

  

   
  In collaboration with the National Electronics and Computer Technology Center (NECTEC), we organized training programs to strengthen coding skills for teachers from four schools under the Education Fund Project in Buriram Province. The training aimed to enhance teachers’ teaching techniques in coding, enabling them to independently design effective learning activities, while also fostering the development of a strong and sustainable local network of coding educators.

• Notebook Computers for Education Project (80×2)
  
  We recognize the importance of leveraging digital technology to enhance inquiry-based learning which forms a foundation for developing analytical thinking, questioning skills and independent research. However, such learning requires appropriate equipment. Accordingly, we provided 160 notebook computers to 32 schools across 20 provinces, along with basic guidance on computer usage and access to essential learning resources for students, including fundamental financial literacy and saving knowledge.

 

 

• Annual Book Donation Program for Under-resourced School Libraries (2025)
  
  We continued our commitment to supporting book donations for under-resourced school libraries by providing books to 400 early childhood and primary schools facing shortages of learning materials in 2025. The initiative aims to cultivate reading habits and encourage self-directed learning, which is fundamental to long-term educational achievement and future career success, while also helping to reduce disparities in access to learning resources between urban and rural students.

 

4. Strengthening the Agricultural Sector and SME
 

• Modern Agriculture
  
  The Bank has long been committed to supporting Thailand’s agricultural sector. We began providing agricultural loans in 1962 and launched the Modern Agriculture Program in 1999, which continues today. The project aims to enable Thai farmers to achieve sustainable development through the application of knowledge and technology with a focus on enhancing productivity and product quality, improving market access, and building farmer networks to facilitate knowledge sharing and joint market opportunities. In 2025 we organized a series of seminars on a range of relevant topics, including Financial Stability through Modern Agriculture; Thinking Partner Modern Agriculture: Creating Opportunities for Agricultural Products in Online Markets; Advancing Thai Agriculture toward the Global Supply Cha (Session 1): Sustainability Era – Preparing Rubber Farmers for EUDR Compliance; and Professional Management of Durian Orchards in Southern Thailand. The seminars attracted more than 500 participants in total.
  
  In addition, the Bank organized Modern Agriculture Day 2025 under the Thai Farmers: From Technology to Sustainability theme. The event was held at the forecourt of the Bank’s head office on Silom Road, providing a platform for farmers to sell safe, export-quality agricultural products directly to consumers at special prices. A total of 58 shops participated, attracting over 1,000 visitors and generating more than Baht 3 million in total sales. During the event, the Modern Agriculture Awards 2025 were presented to honor outstanding Thai farmers. The Outstanding Digital Technology Adoption Award was presented to Mr. Nantiwat Pattanasakphinyo, owner of Pattanasak Plantation from Bueng Samakkhi district, Kamphaeng Phet Province. The Outstanding Agricultural Supply Chain Management Award was given to Miss Jaruwan Natinwirun, Managing Director of Thaitea Suwirun from Mae Lao district, Chiang Rai. The Outstanding Young Farmer Award was given to Mr. Chatchai Deesawat, Managing Director of Lemon Me Farm from Putthamonthon district, Nakhon Pathom. The event also featured three special seminars: Thailand–US Tariff Trade Agreement: How Thai Agricultural Products Can Adapt to Stay Competitive; Carbon Farming: Opportunities and Pathways for Thai Farmers; and Agri- Tech: Transforming Thai Agriculture and Reducing Risks with Innovation and Technology.

• Bualuang SME Club
  
  We have supported the activities of the Bualuang SME Club for more than 20 years, including training seminars, study visits and business matching initiatives. We also provided space at the forecourt of the Bank’s head office on Silom Road for club members to showcase and sell their products to employees and the general public at the Bualuang SME Fair 2025, held under the Adapt, Grow, Sustain theme. The event aimed to expand market access, enhance income opportunities, and strengthen business networks. It attracted over 1,000 visitors and generated more than Baht 7 million in sales in a single day. During the event, the Bank presented the Bangkok Bank SME Award 2025 to recognize exemplary entrepreneurs who have successfully adapted to change by effectively integrating technology, innovation and sustainability into their business operations. The awards were presented as follows: 1. AI and Automation Award– Pure Foods; 2. Innovation Award–SR. PE Group and Simatec; 3. Sustainability Award–Sathaporn Marketing. In the past year, we continued our commitment to supporting the Club’s activities to strengthen members as well as other SME. A key focus was the organization of knowledge and skill enhancing seminars on topics highly relevant to SME, such as Business Adaptation to Global Trends; AI Game Changer: Confident and Secure Business Transformation with AI; Strategic Renewal of Family Businesses; Trade War, Technology War, and Geopolitical War: Challenges and Adaptation for Thailand, Particularly SME; and Empowering Online Sales through TikTok. These seminars generated strong interest among members and the general public, attracting more than 1,000 participants.

• Puan Koo Kit TV Program
   
  B angkok Bank’s production of the Puan Koo Kit television program is a long-running initiative spanning nearly four decades that contributes to the growth and development of SME. The program showcases outstanding products and services from SME, community enterprises, social enterprises and Thai startups, highlighting businesses that create positive impacts on communities, society and the environment while achieving sustainable income generation. Through sharing success stories featured on Puan Koo Kit, we aim to inspire other entrepreneurs to adapt and apply these good practices, thereby expanding the number of purpose-driven and socially responsible businesses. The program airs on Channel 3HD every Thursday and Friday at 8:22 a.m. and is simultaneously broadcast via Facebook, YouTube and TikTok.

• SME Must Scale Up
   
  The Bank produces a special feature segment highlighting the business success stories of SME customers and Thai startups, covering their journeys from inception and growth to international market expansion. Developed under the concept Start–Step– Scale, the program aims to share knowledge with and inspire other SME and startups to strengthen and expand their businesses. The program airs every Saturday and Sunday at 8:30 a.m. on Thairath TV.

 
5. Promoting and Preserving Thai Culture and Heritage
 

• Bangkok Bank Musical Art Center
  
  We established the Bangkok Bank Musical Art Center under the Public Relations Department in 1979 to support and promote Thai music and classical dance. Since the establishment of the Center, more than 1,300 performances of Thai music and dance have been organized, earning wide recognition and respect within Thailand’s music and performing arts community as a dedicated and long-standing supporter of Thai performing arts. The Center continues to preserve and disseminate valuable cultural arts through the Bangkok Bank Musical Art Center Facebook page and YouTube channel, enhancing accessibility and engagement among younger people in a convenient and contemporary manner.

• Thai Traditional Music Competition: Pralong Pleng Plaleng Mahori
   
  The Bangkok Bank Musical Art Center, under the Public Relations Department, in collaboration with the Department of Children and Youth, Ministry of Social Development and Human Security, has organized the secondary-level Thai traditional music competition Pralong Pleng Plaleng Mahori for nearly four decades. The competition is held in honor of Her Royal Highness Princess Maha Chakri Sirindhorn and the winners receive the Royal Trophy graciously bestowed by Her Royal Highness. The competition aims to fulfill the royal aspiration of promoting accurate knowledge and understanding of the Mahori ensemble among Thai young people and music educators, while strengthening teaching capabilities and enabling the transmission of Thai traditional music to future generations, thereby preserving Thailand’s cultural heritage. In 2025 the Bank organized the competition for the 37th time, with more than 800 students participating across multiple categories, including Mahori ensemble performances, Thai classical instrumental solos, and Thai vocal performances.

• Bangkok Bank Musical Art Center on Tour
   
  The Bangkok Bank Musical Art Center, under the Public Relations Department, organized the Musical Art Center on Tour activity at the 6th Sustainability Expo 2025. The event featured a special talk by Thachaya Prathumwan, a well-known artist and former participant in the Pralong Pleng Plaleng Mahori Thai traditional music competition, who shared personal experiences from a life in music and held a mini concert that drew strong interest and created a memorable experience for attendees. In addition, young performers from Phattayakul Thai Music and Drama School presented Thai traditional music and dance performances at the event. The Musical Art Center on Tour also joined the King Narai the Great Fair 2025 at Narai Ratchaniwet Palace, Lopburi Province. The activity aimed to broaden public awareness and appreciation of Thai arts and culture, while expanding collaborative networks for the preservation and promotion of Thailand’s cultural heritage.

6. Religious Preservation and Support
 

• Royal Kathin
  
  We have had the honor of presenting the Royal Kathin each year for 59 consecutive years as part of our long- standing commitment to preserving and upholding Buddhism. We also organized a consecration ceremony for the sacred amulet Phra Mongkol Ming Mueang, which was presented as a commemorative token to donors who contributed funds toward the Royal Kathin offering. Bangkok Bank is the first financial institution to receive royal permission to convey the Royal Kathin to royal monasteries on a rotating basis across various regions of Thailand, including Thai temples overseas. In 2025 we were graciously granted royal permission to present the Royal Kathin at Wat Samran Niwet Royal Monastery, Amnat Charoen Province. Members of the Board of Directors, executives, employees, customers and donors nationwide jointly contributed a total of Baht 14,453,092.94 to the Royal Kathin Ceremony for the year.

• Paying Respects to Members of the Sangha Supreme Council and Senior Buddhist Monks during the Buddhist Lent
   
  We place a strong emphasis on supporting Buddhism and preserving Buddhist traditions, particularly the annual practice of paying respects to senior Buddhist monks during Buddhist Lent, which has long been observed as a regular tradition of the Bank. In 2025 we presented ceremonial offerings to His Holiness Somdet Phra Ariyavongsagatanana, the Supreme Patriarch and Chairman of the Sangha Supreme Council, together with 20 directors of the Sangha Supreme Council, advisors to the Council, and senior Buddhist monks, totaling 37 monks residing at 23 royal and major monasteries.

• The 9th Grade Buddhist Pali Studies Examination (Prayok 9)
   
  In 2025 we organized a ceremonial celebration honoring monks and novices who successfully passed the ninth- grade examination, the highest level of Buddhist Pali studies, marking the 52nd consecutive year of this annual event. The ceremony was held to express appreciation and extend congratulations to those who attained the Prayok 9 (9th Grade Buddhist Theology) qualification. Phra Phrommoli, Abbot of Wat Paknam, Member of the Sangha Supreme Council of Thailand, and Chief Examiner of the National Pali Studies, presided over the monastic proceedings, while Mr. Arun Chirachavala, a Director of the Bank, served as the lay president. A total of 72 monks and novices passed the examination, comprising 53 monks and 19 novices. All 19 novices received royal patronage to be ordained in accordance with ancient royal tradition at the Ubosot of Wat Phra Si Rattana Satsadaram (the Temple of the Emerald Buddha).

• Alms-Giving Ceremony in Honor of Her Majesty Queen Sirikit The Queen Mother and Commemorating the Bank’s 81st Anniversary
  
  On 1 December 2025, we organized an alms-giving ceremony for 100 monks at the forecourt of the Bank’s head office on Silom Road. Members of the Board of Directors, executives and employees participated in the ceremony, which was held to dedicate merit in honor of Her Majesty Queen Sirikit, The Queen Mother, as an expression of loyalty and deep gratitude for Her Majesty’s enduring benevolence toward the Thai people. The ceremony also marked the auspicious occasion of the Bank’s 81st anniversary and the transition into the ninth decade of operations. Monks were invited from five royal temples—Wat Phra Chetuphon Wimon Mangkhalaram Ratchaworamahawihan, Wat Thepsirintrawat Ratchaworawihan, Wat Pathum Khongkha Ratchaworawihan, Wat Traimit Witthayaram Worawihan, and Wat Ratchasingkhon Worawihan—to perform religious rites and receive alms.