Decoding Thai Credit: Building a Culture Where "Everyone Matters" Because the power of sustainable growth begins with recognizing the value of people.

Thai Credit Bank Public Company Limited is guided by a "People" centered philosophy. We believe finance is not merely about numbers but it is about "Life Opportunities" and sustainable opportunity can only truly exist when everyone within the economic system employees, customers and all stakeholders is equally valued and given fair access to opportunity.

This philosophy has evolved into Thai Credit Bank core principle "Everyone Matters" It serves as the framework for cultivating corporate culture, managing human resources, and driving sustainable growth to create financial opportunities for people at every level from market vendors and family business owners to micro entrepreneurs and those who remain underserved by the formal financial system. A deep understanding of the everyday lives of society's "Small Players" has naturally extended into the Bank's commitment to valuing its "Employees" with the same conviction.

"We believe that organizational success begins with creating value for our people enabling them to genuinely feel involved and grow alongside the organization. When employees find meaning and value in what they do, they become a powerful force in driving both the organization and society forward"

Thai Credit Bank is committed to developing financial products and services that reflect real life needs, while fostering a working environment under the concept of "Small but Beautiful" This approach emphasizes agility, reduced complexity and transparent communication, empowering employees at every level to express their potential and actively contribute new ideas.

This belief in the value of every individual has shaped Thai Credit's DNA into four core principles:

1. Always Improving - Continuous development
2. One Direction - Moving forward together with unity
3. Customer Passion - Customers as our inspiration
4. Never Mislead - Integrity and honesty without compromise

Thai Credit Bank is an organization that embraces freedom grounded in mutual respect. We create space for employees to think, speak, and act always honoring each other's value. This philosophy has proven that our people are more than financial service providers; they are trusted "Partners" who listen, understand, and stand alongside micro entrepreneurs at every stage of their journey. They are "Opportunity Enablers" helping dreams grow sustainably.

From internal values to sustainable opportunities for Thai society, Thai Credit Bank takes pride in building a system that begins by recognizing the worth of its employees so they, in turn, can sincerely extend opportunities to customers. Because we firmly believe that true growth means growing together with the grassroots economy in a strong and sustainable way.

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