Effective risk management in accordance with changing circumstances will help Thanachart Group deal with risks that arise appropriately and in a timely manner, which shall lead to the confidence of all stakeholders. As a result, the Group can grow stably and sustainably.

As a result, the Company has clearly defined the risk management policy and guidelines in writing, which have defined the duties and responsibilities of various related departments for employees to comply. In addition, the risk management process has been defined as a guideline in 4 stages:
01
Identifying the nature of risks and risk factors
02
Developing appropriate tools and models for risk measurement and risk assessment
03
Controlling risks to an acceptable level
04
Monitoring risk status to manage risks in time for potential situations.
The Company has established a committee and related departments that clearly define roles, duties and responsibilities in managing and overseeing risks that cover all aspects of risk. In addition, the Company integrates ESG risk management into its corporate governance framework and enterprise risk management system in a structured manner, with the aim of enhancing ESG capabilities among its personnel.

ESG risk training is incorporated as part of the enterprise risk management training program for executives and employees.

In 2025, executives and employees participated in such training, with a 100 percent pass rate, reflecting strong competency in understanding and managing ESG-related risks.
The pass rate is calculated as a percentage
100
for all employees