Message from the Chairman of the Executive Committee

In 2025, despite the Thai economy facing both internal and external challenging factors, Saksiam Leasing Public Company Limited remains firmly committed to its intention of being a "Social Financial Institution". The Company focuses on driving the organization through a sustainability strategy that balances economic, environmental, social, and corporate governance (ESG) dimensions, to create equal financial opportunities and sustainably elevate the quality of life for grassroots people.

As the Chairman of the Executive Committee, I am pleased to report the organization's successes and significant milestones for the year 2025 as follows:

Environmental Dimension

For the transition to a low-carbon economy, the Company recognizes its crucial role in mitigating climate change. This year, we achieved great success in receiving the Carbon Footprint for Organization (CFO) certification from the Thailand Greenhouse Gas Management Organization (TGO). We also achieved the target of reducing greenhouse gas emission intensity (GHG Intensity) by more than 5 percent across all scopes (Scope 1-3). Furthermore, the establishment of Saksiam Solar Energy Co., Ltd. serves as a pilot for green product innovations, including solar rooftop and solar pump loans, which concretely help farmers reduce energy costs and access clean energy.

Social Dimension

To create opportunities and develop human capital, we focus on strengthening the grassroots economy by expanding our branch network to a total of over 1,079 branches covering all regions. This ensures that people can access formal funding sources fairly in accordance with the principles of Responsible Lending. Regarding human resources, the Company prioritizes developing future skills (Upskill & Reskill), with an average training time of 34.45 hours per person per year. Our commitment to employee care has resulted in us receiving the Outstanding Establishment Award in Labor Relations and Welfare for the 5th consecutive year.

Governance Dimension

As the foundation of trust, transparency and good corporate governance are the core of SAK. We maintain our corporate governance standard at the "Excellent" level (5 stars) and have received confirmation of the SET ESG Ratings at the "A" level for the 4th consecutive year. In addition, strong internal audit and whistleblowing systems reflect an organizational culture of Zero Tolerance for corruption and respect for human rights throughout the business value chain.

Vision for the Future Moving forward in 2026, the Company is ready to elevate its sustainability reporting standards to an international level following the FTSE Russell ESG Scores guidelines to attract institutional investors and build global confidence. We will continue to develop digital innovations to become a paperless organization and focus on integrated risk management to maintain loan portfolio quality for stable growth.

On behalf of the Executive Committee, I would like to express my gratitude to our customers, shareholders, and partners in all sectors who have always stood by our side. I also extend my thanks to all executives and employees who play a vital role in driving the vision of Saksiam Leasing to be a sustainable pillar for Thai society for years to come.

Mr. Siwaphong Boonsalee

Chairman of the Executive Committee