5 Introduction Customers Social Governance Appendix Environment Sustainability Report 2021 Mr. Ekniti Nitithanprapas Chairman of the Board of Directors Mr. Piti Tantakasem Chief Executive Officer Message from Our Chairman and Chief Executive Officer At TMBThanachart Bank, we believe that business and sustainability are interwoven. For our business to grow sustainably, it is important to ensure that all stakeholders benefit from and are not negatively impacted by the Bank’s operations. To drive the organization towards sustainability, it has to start from within. Everyone in the organization should be able to see and believe in the same mission. As we move forward together, we will be able to see that achieving the goal of sustainability is within reach and is not too distant. Another important topic that the Bank continues to drive forward is one about promoting the financial well-being of Thai people throughout the country, especially as we believe that financial well-being is an important foundation for all of us to achieve one life’s goal. We emphasize this to all our employees in the development of products, services, and financial solutions which are created to address the needs of our customers in every stage of their lives. With theaimof elevating thesocietyand thefinancial livelihoods of the Thai people, the Bank is committed to improving and developing products, services, and financial solutions that better serve the financial needs of our customers. For instance, ttb provides an all-free transactional account with no transactional fees (that is, no deposit fee, no withdrawal fee, no transfer fee, and no payment fee) while providing free life and accident insurance. It has already provided to more than 1.9 million customers at no additional charge, resulting in exponential growth of deposits into ttb’s all free accounts by 15 percent during the past year. On investment services, the Bank has further enhanced the ttb smart port which facilitates investment by providing each client with professional assistance to take care of, select, arrange, and adjust their investment portfolio as per each customer’s bespoke risk level. We continued to be impacted by the COVID-19 pandemic in 2021. With the crisis came the “New Normal” in terms of consumer behavior, especially in their trading of products and services which experienced an increasing dependency on technology. The Bank was able to adapt to this and continued to develop our digital services. Throughout this time, we incessantly improved the features of the ttb touchapplication tomake it easier andmoreconvenient for our customers to manage their finance, thereby helping to improve their financial well-being. We also established the ttb spark team which is the digital hub committed to digital transformation in order to speed up the development of service solutions and digital innovations for the financial well-being of our customers.
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