Financial Inclusion

Thanachart Group values and encourages innovations that create value for business, benefit customers or related parties, and are socially responsible as follows:

Focus on creating an organizational culture that encourages innovation and ensure that the management adopts and integrates it into their strategic review, plan for improving operation and performance monitoring

Promote innovations that enrich the business in line with the ever-changing circumstances e.g. business model definition, approach and perspective in design work, product and service development, research and working process, and collaboration with business partners

Increase customer service channels and develop products to give customers more access to financial services

Development of innovative financial products and services

Thanachart Group places emphasis on developing products and services that meet the needs of digital life. Products are improved to meet customers’ demand in a timely manner in order to help them better cope with the ever-changing economic conditions. In addition, Thanachart Group also incorporates innovative media or platforms into all dimensions of service so that customers can easily contact them, fast and convenient. It also helps to build relationships that are easily accessible with platforms that customers are familiar with and use in their daily lives, or with innovations resulting from creating applications to support services.

Example of Promoting Financial Innovation of the Group Companies in 2025

THANI

Development of a Chatbot via the LINE Official Account THANI has initiated the development of a chatbot, an automated text-based customer service tool available through the LINE Official Account. This self-service feature allows customers to complete transactions independently, reducing the need to contact the call center. The chatbot service was launched on the LINE platform in December 2023, offering self-service functionalities such as contract inquiries, payment balance checks, and insurance information requests.

Based on the operating
performance in 2025

the cumulative number of users of the LINE application chatbot totaled

22,084 users

representing an increase of

7,799 users

expressed as a

54.60%

with usage continuing to show a steady upward trend. THANI expects that this innovation will generate benefits for the business, society, and the environment, including:

Enhanced Customer Satisfaction – Providing faster and more convenient service.

Reduced Workload for Employees – Allowing staff to focus on complex tasks or those requiring interpersonal skills.

Streamlined Business Processes – Simplifying workflows across departments.

Expanded Marketing and Communication Channels – Enabling the promotion company information and special offers.

Conservation of Natural Resources – Reducing paper consumption and other materials used in operations.

TNI

TNI is committed to becoming a leading non-life insurer that conducts its business with a long-term sustainability focus. In particular, the insurance business plays a vital role in providing comprehensive risk protection for policyholders. Accordingly, Thanachart Insurance places strong emphasis on creating the Value of Insurance by delivering high-quality, comprehensive services that help ease customers’ concerns. The company has established clear business plans and continues to drive sustainable growth, wider range of internal combustion engine vehicles and electric vehicles (EVs).

In addition, the company has developed products to better serve the tourism market by responding to customer needs through overseas travel insurance products. These products are designed to provide coverage tailored to the diverse requirements of different traveler segments, including customers traveling within Asia and Europe, as well as offering insurance products that extend coverage to senior travelers. This approach enables the company to differentiate itself from competitors and to bette including expanding underwriting coverage to encompass a r understand the needs of customers who may encounter difficulties while abroad. To enhance customer peace of mind, the company provides supplementary services to assist customers in the event of unforeseen incidents overseas, including Call Center support and an expanded network of hospitals for medical treatment.

Furthermore, TNI has identified growth opportunities in the residential fire and home insurance market. Over the past several years, the company has focused on developing products for homeowners to provide confidence in comprehensive coverage, ranging from the structural components of the home to household contents in the event of various insured risks.

Based on the operating
performance in 2025

premium income from fire and home insurance policies increased by

46%

driven by a higher level of customer trust and confidence in the company’s products and services.

Example of Promoting Access to Financial Services of the Group Companies in 2025

THANI

THANI aims to develop products and services by taking into account the opportunity for all groups of service users in society to have equal and equitable access to financial services. This is especially true for low-income, disadvantaged and vulnerable groups in society so that their quality of life could be enhanced and they could less depend on informal loans with unreasonably high interest rates. The company designs its products and sets appropriate interest rates on the basis of comprehensive risk management. In addition, for the convenience of users, the company has disseminated product information and provided various contact channels.

Website: www.ratchthani.com
LINE application: @Ratchthani
as well as contact through head offices and branch offices nationwide.

As THANI's financial services mainly focus on providing hire purchase services for commercial vehicles, such as trucks for transportation or construction business, so that the customers can use these leased vehicles for their occupation to further develop their business and improve their quality of life, therefore, this service can be considered as a product that promotes an increase of users’ access to financial services. THANI charges interest and fees according to the level of risk of each customer, within the provisions of the laws related to THANI's business operations.

The 2025 overall performance

provided new loans to

6,035 customers

Total loan amount of

14,294 million baht

The loans were divided into customers with a purpose of obtaining loans for occupational purposes, accounting for 72.25 percent and customers with a purpose of obtaining loans for consumer purposes, accounting for 27.75 percent. In this regard, THANI will generate interest income from the said loansat an average rate 9.25 percent of per annum.

TNI

TNI continues to accelerate the development of its digital service systems to enable customers to conduct end-to-end self-service transactions seamlessly. Key initiatives include the development of a self-inspection system for motor vehicles prior to policy issuance, leveraging AI technology to process vehicle inspection images. This innovation significantly reduces processing time and enhances customer convenience.

In addition, the company has expanded digital channels and streamlined processes through the LINE Platform, offering a simple and fast user experience to reduce complexity in policy renewals and the purchase of new insurance products. Advanced technologies have also been deployed to minimize data verification steps, enabling faster and more accurate policy issuance so that customers can access insurance coverage immediately. Furthermore, Thanachart Insurance has enhanced its claims processes, moving toward digital claims services for non-complex cases. The introduction of Photo and Video Claim technology allows customers to submit claims independently with ease, convenience, and speed-within just a few minutes-without the need to wait for a loss surveyor. In 2025, the cumulative number of customers registered to use Thanachart Insurance’s digital services reached 1,159,036 users.

The 2025 overall performance

Total registrations through Thanachart Insurance digital channels

1,159,036 Users

The 2025 overall performance

Facebook Views

5.2 Million

Exceeding target by

2 Million