Stakeholder Engagement

The Company is committed to generating positive social and environmental impacts. Its operations and the creation of stakeholder value is anchored in maintaining strong relationships and fostering effective engagement. All Thanachart Group activities are aligned with the Company’s strategic direction, placing high priority on understanding stakeholder needs and expectations. As a result, comprehensive engagement is a critical driver for sustainability management, the identification of business opportunities, and delivering tailored stakeholder responses.

Thanachart Group’s key stakeholders are categorized into nine groups: shareholders and investors, the Board of Directors, employees, customers, business partners, creditors, competitors, communities/society, and regulatory agencies. The Company maintains continuous communication and engagement with these groups, incorporating their feedback and suggestions as vital inputs into its key material sustainability issues evaluation.

Table shows details of communication with stakeholders

Stakeholders	Participation Channels	Stakeholders’ Expectation	Response Guidelines
Shareholders and Investors	Shareholders' Meeting Disclosure of Quarterly Financial Results and Annual Report Analyst Meeting Investor Relations Inquiries via the website Disclosure of Information	Good performance, sustainable and stable growth Dividends are paid regularly at a rate close to the previous year Effective risk management Operations covering Environmental, Social, and Governance (ESG) Operations that comply with relevant laws and regulations Obtain accurate, complete, and timely information	Disclose information with transparency and meet the official criteria Conducts business under good corporate governance policy and effective risk management, supported by a knowledgeable and competent team Seek investments that provide worthy returns for shareholders. Invite shareholders to attend the annual general meeting and allow shareholders to ask questions and comment
Board of Directors	Monthly Board of Directors’ meetings Requesting information from management directly Meetings of Non-executive Directors Providing Directors with information through channels	Continuous learning in order to cope and adapt under various changing factors Receive information about meetings well in advance. Access to up-to-date news and information Be free to express an opinion Business operations are transparently carried out in accordance with good corporate governance principles, with all stakeholders taken into account	Collect and present appropriate training courses or seminars Information about the meeting is submitted complete and sufficient to the Board of Directors in a timely manner Thanachart Group’s information is timely reported Fully facilitate in all aspects. Provide regular performance reports including note-taking and preparation of minutes of meetings, complete with Director’s opinions Monitoring is to be done in line with the Director’s opinion
Employees	Communicating policy and news through various communication channels to reach all groups of employees, such as Intranet, e-mail, and T Society Voice of Employees (VOE) surveys Performance Evaluation Welfare Committee meetings Organizing activities to foster employee engagement. Inquiring about employee needs to prepare and develop training courses that align with their roles and responsibilities	Opportunities and career advancement Compensation, fair welfare, commensurate with job performance evaluation results, and socioeconomic conditions. Corporate Growth All employees play an important part in driving the organization Employee feedback A supportive work system is in place Occupational health care in the workplace, including provision of equipment and facilities for performing work Developing skills and enhancing knowledge and competencies to support professional growth and quality of life.	Establishing human rights policy and compliance with labor laws Promoting opportunities and career advancement for employees Organizing training courses that align with roles and responsibilities, including providing knowledge on various related matters Treating employees equitably Reviewing compensation, ensuring it is equitable and commensurate with the Company's performance while providing benefits that are competitive within the industry. Procure a supportive work system in accordance with changing technology Provide the workplace with the right environment and good occupational health Disclose the Company's performance to employees
Customers	Emailing relevant information to customers Customer Visits The employee has customer relationship management. PR media provides information about products and services Customer Satisfaction Survey Service complaint and whistleblowing channels Digital Communications Branch Services	Wide range of products and services meet specific need of each group of customers Provide information and advice on products and services in a comprehensive, appropriate, and timely manner Products and services are affordable, fairly priced, and offer good value. Maintain customer confidentiality and transparency in business operations Providing customer service with responsibility, equity, convenience, and speed.	Design diverse products and services to meet customer’s needs Equitable customer service management (Market Conduct) Train employees to efficiently serve customers Periodic survey of customer satisfaction Process for receiving complaints and managing complaint issues is well-defined and appropriate Promoting good corporate governance and adherence to morals, ethics, and the code of conduct among employees in their work performance. Establishing cybersecurity and personal data protection policies. Use efficient technology to speed up, secure, and reduce costs
Business Partners	Exchanging information through channels designated by the Company, such as email and telephone. Regular discussion and exchange of ideas Contracting among them	Good governance in business operation Trade fairly Clear procurement policy and regulations	Review and improve procurement policy and process Announcement of policy to ensure good corporate governance Secure trading partner data storage system Encouraging business partners to operate in line with ESG principles through self-assessment to drive sustainable business development and operation. Providing channels for receiving suggestions and complaints
Creditors	Exchanging information through channels designated by the Company, such as email and telephone. Regular meetings for consultation or exchange of opinions. Entering into agreements	Repayment of principal and interest according to the schedule. Strict fulfillment of contractual obligations. Transparent disclosure of information.	Establishing a financial liquidity management plan. Repayment of principal and interest according to the schedule. Providing accurate and complete information according to designated periods or upon request. Providing channels for receiving suggestions and complaints.
Competitors	Meetings with the associations of each business	Transparent disclosure of information Fair competition	Established as one of the principles in conducting business of Thanachart Group. Conduct business and compete with transparency, fairness, without harming or bullying competitors Cooperate with one another to develop the overall industry of the business sector
Communities and Society	Paying a visit to hear about problems and needs from people in the communities Meeting with both the public and private agencies aimed at promoting the well-being of society Channels to comment	Financial education is provided to the communities Promotion and support for social activities and communities Environmental care and preservation guidelines have been developed for both the workplace and the communities	Implementing financial literacy projects. Recognizing environmental issues occurring in communities and participating in solving them. Providing financial support and continuously implementing activities for society and the environment. Establishing Thanachart Foundation for Thai Society as a key mechanism for driving the implementation of social activities. Contribute towards the reduction and control of energy consumption that adversely affects the environment
Regulation Authorities	Disclosure of information and reports in conformity to the specified official criteria Discussion of regulatory guidelines or related rules, as well as obtaining permission on various matters Commenting on the draft official rules due to be altered Join seminars to gain understanding and clarity in official criteria or guidelines to be observed	Employees gain understanding of official rules and ensure that the company is fully complying with the laws as well as relevant official regulations Supporting and prioritizing good corporate governance practices and anti-corruption efforts. Clear disclosure of information can be verified Cooperating and supporting the work of regulatory authorities	The laws, official rules, and regulations are completely and correctly complied Adhering to good corporate governance policy, business ethics, anti-corruption policy, and other policies established by the Company. Cooperating with and supporting the operations of regulatory agencies. Participating in activities, training courses, or seminars organized by regulatory agencies. Ensuring full and accurate disclosure of information to regulatory agencies in accordance with designated schedules.