Sustainability Management in Governance and Economic Dimension

Corporate governance is one of the key components of sustainable development. The Company has established a corporate governance structure consisting of a board of directors, management team, and internal departments appropriate to the size of the business to ensure its effective corporate governance. This will result in both inside and outside stakeholders of the organization who have confidence in the organization and are ready to support the Company’s business operations for stable and sustainable growth, being able to generate returns and create additional value for shareholders. Therefore, the factors that must be important in managing corporate governance and economic sustainability are as follows:

Sustainable Growth

The Company does not only focus on profit and growth but also values clients’ satisfaction, to ensure Sustainable Growth. The Company emphasizes structured management and good client relationships by constantly evaluating clients’ opinions and suggestions from various channels. Moreover, the Company analyzes and studies clients’ behavior to understand the needs and expectations of clients in each business sector. The information will be used in the planning of yearly business objectives to expand business and opportunities. The Company continually searches for new businesses and services, to support small and medium-sized enterprises (SMEs), to become the leading factoring company in Thailand.

Risk Management

The Company recognizes the importance of risk management by implementing Risk Management policies to cover all risks of the organization. Risk issues, potential impacts, and the possibility of the events happening are thoroughly identified. The risk issues will be revised where the problems tend to occur and prioritize the risk management plan. Therefore, the Management reports the results of risk management to the Risk Management Committee every quarter, to revise and evaluate the risk management of each issue that may occur.

The Company also revised the exposure guidelines for single clients and single customers (buyers) based on risk tolerance and the Company’s annual profit to manage the risk sustainably.

In addition, the Company engages internal auditors from AMC International Consulting Co., Ltd. to review the operations and internal control of each department, to ensure the effectiveness and efficiency of the systems of the Company. Moreover, they review the operations procedures of each department and report directly to the Audit Committee.

Digital Development

The Company recognizes the necessity of adapting to the rapidly changing global environment by exploring and integrating new technologies to enhance efficiency and respond to clients’ needs more quickly and conveniently. The Company focuses on conducting business through a Digital Factoring Platform, providing SMEs with more accessible and convenient funding sources. SMEs can use digital invoices to secure funding, enabling them to obtain the necessary capital swiftly.

Corporate Governance and Code of Conduct

The Company recognizes the importance of corporate governance by setting corporate governance policies to implement corporate governance to be in line with its objectives, defined goals, and direction of the organization, including business ethics that cover various policies of the Company to be used as guidelines for conducting business with transparency and fairness to all groups of stakeholders, i.e. the anti-corruption policy, fraudulence/corruption prevention policy, conflict of interest policy, etc., including channels for receiving complaints, whistleblowing and measures to protect those who make complaints or report the clues. In addition, the Company places great importance on data security, clients’ privacy and personal information, and the protection of clients’ personal information that is collected, used, or disclosed by establishing a personal data protection working group and appointing a Data Protection Officer (DPO) who play an important role in maintaining personal data in their area of responsibility in the organization and perform their duties according to an operational framework that is consistent with the Personal Data Protection Act B.E.2562. The Company has prepared and disclosed a privacy policy for corporate clients and guidelines on the Company’s website: Privacy Notice.