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Message From The Managing Director

Message From The Managing Director

Saksiam Leasing Public Company Limited ("the company") operates on the principle of sustainable growth, focusing on creating value for all stakeholders while also improving equitable and inclusive financial opportunities in society. Moreover, the company prioritizes social responsibility, considering the impact on the environment, economy, and society in all aspects to ensure that the business grows in a balanced and sustainable manner.

The company's main sustainable development achievements in 2024 are described as follows:

Environmental

The company manages climate change risks by continuously monitoring climate change to reduce the impact of climate change on customers' debt repayment ability in the agricultural sector, the company's main customers group. The company has designed products to mitigate the impact of climate change, such as providing solar pump loans in the event of water shortages due to droughts, and has a business continuity plan to support various situations that may affect business operations or affect customers’ debt repayment ability, also provide financial services by developing a variety of loan products that are consistent with reducing energy consumption.

The company has set a goal of reducing resource consumption in the household and agricultural sectors, which raises awareness of the environmental impact of business operations and encourages employees to learn how to save resources utilized in business and daily life, such as fuel, electricity, water, and paper. The company conducted an organizational carbon footprint assessment to demonstrate the amount of greenhouse gas emissions and absorption from operational activities.

Social
The company is committed to provide fair services to customers (Market Conduct) and making responsible loans to customers in accordance with the "Responsible Lending" principles, along with provides appropriate assistance to debtors throughout the entire debt cycle. The company also provides facilitates access to funding sources, and approves loans based on debt repayment ability and legally required loan targets, emphasize compliance with human rights, fairness, non-discrimination, and a good working environment, in line with the requirements of labor laws in organizations and supply chains, including having employee representatives participate in considering changes to employee welfare. The company promotes local employment by providing opportunities for locals when hiring new employees. Furthermore, the company contributes to the community and society by promoting and improving the quality of life for people with disabilities and ensuring equal employment opportunities.
Corporate Governance and Economics

By operating business under the principles of sustainable growth, the company emphasizises on the consideration of risks in granting credit and debt repayment ability in a transparent and fair manner, with supervision to ensure correct compliance with the requirements of the law, regulations and contract terms, including full and correct compliance with tax requirements within the specified time frame, with a business code of conducts to be used as a standard for proper and appropriate treatment of all stakeholders.

Furthermore, the whistleblower process is applied to track behavior that violates the code of conduct, with the goal of increasing operational transparency and customers confidence. There are strict anti-corruption measures in place, including those to prevent and detect irregularities or corruption in a timely manner. The emphasis is on ensuring the security of personal data through stringent security measures for data access. Simultaneously, the company develops convenient and secure payment channels, as well as innovative applications, to promote business efficiency, growth, and competitiveness.

The company is committed to maintain business standards while creating economic growth, benefiting society, and reducing environmental impacts. The company believes that with the cooperation of all parties, the company's business will be able to overcome obstacles and achieve mutual success by:

  1. The company will expand flexible and fair credit services to customers in areas where its branches are located, increasing opportunities for people to access appropriate and safe sources of funds and promoting societal financial opportunities.
  2. Promote clean energy and green innovation by investing in solar energy businesses to install rooftop solar and solar pumps, as well as supporting the use of clean energy in communities and organizations by providing loans to allow customers to use alternative energy and reduce the impact of climate change.
  3. Developing human resources and communities, supports local employment, and assist employees reach their full potential through training and skill development, including organizing projects to improve the quality of life in the communities where the company operates.
  4. Reducing environmental impact by conducting eco-friendly business. Utilizing digital technology to reduce resource consumption, such as implementing paperless systems and increasing office energy efficiency.

SAK moves forward with sustainable growth based on good governance principles, taking into account the impact on the economy, society, and environment, alongside Thai society.

Mr. Siwaphong Boonsalee

Chief Executive Officer and Managing Director