Under the cooperation framework with the Credit Guarantee and Investment Facility (CGIF), in 2025, the Company developed the Environmental and Social Management System (ESMS) to systematically integrate environmental and social considerations into the loan approval process. The ESMS serves as a key mechanism for overseeing lending quality in alignment with the Company’s responsible business practices and social objectives.

The ESMS is a process innovation that adds an environmental and social risk assessment dimension related to customers’ occupations. It covers screening, risk assessment, and monitoring based on risk levels, and is designed to align with the context of retail customers. This supports prudent credit consideration without creating unnecessary burden.

The implementation of the ESMS helps strengthen risk management, enhance the quality of the loan portfolio, and support business continuity, while promoting customers’ occupations in an appropriate manner, reducing the likelihood of adverse impacts, and contributing to the quality of life of people in the Company’s service areas.

The Company is committed to regularly developing and reviewing the ESMS to ensure that access to financing is promoted alongside social and environmental responsibility, reflecting the Company’s role in driving financial services that create sustainable value.

The Company began providing water and electricity bill payment services in 2025 through 500 pilot branches, with a plan to expand the service to more than 5,700 branches nationwide in early 2026. This initiative aims to enhance convenience for people in paying essential recurring expenses in daily life.

The expansion of this service is part of the development of value-added services through the existing branch network, enabling branches to better meet the needs of customers and communities in terms of accessibility and convenience. At the same time, it provides additional payment options, particularly in areas where people continue to rely on nearby service points rather than digital channels.

The Company sets service fees at an appropriate level and lower than those of general convenience store channels to help reduce service users’ expenses, support fair access to basic services, and reduce the risk of overdue payments that may lead to suspension of utility services. This also helps promote household financial discipline by enabling regular recurring payments to be made more conveniently and accessibly.

Although this service is supplementary to the Company’s core lending business, its phased development and expansion reflect the Company’s approach to leveraging the potential of its branch network to create long-term value for both its operations and the communities it serves.

The Company has developed and enhanced the Muangthai 4.0 application to increase convenience and improve customers’ experience in accessing financial services in daily life. This aims to reduce limitations relating to time, distance, and transaction processes by adding functions that enable customers to monitor key information and conduct certain services independently through digital channels.

Customers can use the Muangthai 4.0 application to access services and information more conveniently, including:

• Check contract information and outstanding balances
• Special offers for contract adjustment and eligibility for personal loan applications
• Review transaction history and payment evidence
• Make payments through digital channels, such as QR Code and banking channels
• Monitor various products and view information on nearby branches

In 2025, the Company added key functions to enhance service accessibility and customer care, including:

• Online insurance purchase service to increase convenience in accessing basic protection
• Financial health check function in the form of an in-app assessment to help customers review their financial status

These developments help expand customers’ access to services in a more convenient and continuous manner, while supporting the reduction of paper use from transaction processes and certain document issuance. The Company will continue to develop and improve the application to enhance access to financial services.

The Company has launched the “Solar Cell Loan” under its core Pay Later loan product as part of its efforts to drive and support access to clean energy at the household and agricultural levels, while broadening its product offerings to better meet customers’ diverse needs. This sustainable product is environmentally responsible and can help reduce long-term expenses, with a credit limit of up to Baht 40,000. Customers may choose installment terms ranging from 6 to 60 months.

In 2025, the Company disbursed loans totaling over Baht 999,516, a decrease of 49.52% from the previous year, helping reduce greenhouse gas emissions by 92 tonCO2e.

At present, technology has changed customers’ lifestyles and behaviors. The Company must adapt to remain competitive and has therefore expanded online payment channels and delivered electronic receipts to customers via SMS and email to enhance convenience, reduce paper consumption, and minimize unnecessary travel.

The Company has set a target to increase the proportion of online payments to 25% by 2026. It encourages customers to use online services through guidance provided by branch employees and the Company’s communication channels. This also supports the development of transaction notification systems, enabling customers to receive updates and information more conveniently.

The Company places importance on developing a diverse range of services and products that meet customer needs. It collects customer opinions and suggestions through various channels and uses them to review and improve services in order to comprehensively respond to customer needs.

In the past year, the Company launched the sale of personal accident insurance through its website. In collaboration with insurance companies and the Information Technology Department, the Company developed and designed a website system for selling personal accident insurance, providing customers with an additional convenient channel to purchase accident insurance online through a secure payment system that is cost-effective and affordable. The Company also monitors performance on an ongoing basis.

The Company has developed customer service systems through online channels such as LINE and Facebook to enhance convenience and response speed. These systems can conveniently provide information on the Company’s products, frequently asked questions, application usage guidance, and information on nearby branches.

This helps reduce operating costs and improve service efficiency, reflecting the use of technology to enhance business competitiveness. It enables faster service delivery and more effective responses to customer needs. In addition, it supports sustainable and cost-effective operations, promotes efficient resource management, and strengthens the Company’s competitiveness. In 2025, more than 588,273 accounts used the chatbot to inquire about information.