Resource Utilization
Resource Utilization within the Organization
The Company has established an indicator to measure operational efficiency, or greenhouse gas emissions intensity, calculated based on carbon dioxide equivalent emissions per outstanding loan balance (tonnes of carbon dioxide equivalent per million baht). The Company has set a target to reduce emissions intensity by more than 10% compared with the previous year and has designated this indicator as one of the Company’s key performance indicators (KPIs) for both the short and long term.
Fuel Consumption Management
At present, the Company’s internal operations continue to require the use of fuel energy where unavoidable. In addition, the Company’s customer base continues to expand annually, resulting in a steady increase in fuel consumption. Nevertheless, energy use continues to be managed in a cost-effective and efficient manner.
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Performance
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Electricity Consumption Management
Due to branch expansion, the Company’s energy consumption, operating costs, and emissions have increased. The Company is therefore committed to incorporating clean energy into its operations in accordance with its environmental management plan.
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Performance
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Water Consumption Management
Water is a critical resource for life and business operations. However, droughts, floods, and increasing water demand have continued to place Thailand under pressure from water resource challenges. The Company therefore recognizes the importance of water conservation through campaigns and communications that encourage employees to use water resources efficiently.
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Performance
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Paper Consumption Management
The Company continues to use paper to support branch expansion and business growth, resulting in increased paper consumption. The Company has implemented measures to reduce paper use and minimize environmental impacts as much as possible.
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Performance
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Waste Management
Wastewater generated from operations at the Head Office mainly comes from restrooms, toilets, and washbasins. The Company manages wastewater through a Combined Biological Treatment System, which is more efficient than a conventional activated sludge system. This ensures that treated water quality complies with legally required standards before being discharged into public water sources. A portion of the treated wastewater is stored for reuse in watering plants and reserved for firefighting purposes.
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“The company sets a goal to reduce
the amount of waste from
paper/vinyl labels by 5%”
Waste is segregated by color-coded bins into general waste, recyclable waste, infectious waste, hazardous waste, and electronic waste, including toner cartridges and damaged electronic equipment, which can be sold and fully recycled. Each type of waste is properly managed in accordance with sanitation principles, while the Company’s hazardous waste is handled appropriately to prevent environmental impacts.
The Company aims to minimize the amount of general waste sent to landfill and has begun replacing plastic water bottles with glass bottles at the Head Office as the first location. The Company is also in the process of studying and developing a system for waste data collection, monitoring, and proper disposal by waste type. In addition, the Company plans to create added value from waste to generate revenue, enhance its corporate image, and promote environmental awareness within the organization.
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Waste is segregated through color-coded bins into general waste, recyclable waste, infectious waste, hazardous waste, and electronic waste, including toner cartridges and damaged electronic equipment, which can be sold and fully recycled. Each type of waste is managed properly in accordance with sanitation principles, while the Company’s hazardous waste is handled appropriately to prevent environmental impacts. In 2025, the Head Office building generated 222 kilograms of recyclable waste and 2,199 kilograms of general waste.
The Company aims to minimize the amount of general waste sent to landfill and has begun replacing plastic water bottles with glass bottles at the Head Office as the first location. The Company is also in the process of studying and developing a system for waste data collection, monitoring, and proper disposal by waste type. In addition, the Company plans to create added value from waste to generate revenue, enhance its corporate image, and promote environmental awareness within the organization.
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Consideration of the impact on biodiversity
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In 2025, the impact on biodiversity is
“ 0 ”
The Company’s Head Office and branches are not located in areas that are at risk of causing impacts on biodiversity. The number of impacts on species listed on the IUCN Red List is zero. In addition, the Company’s branch site selection process includes a policy to consider areas that may pose biodiversity-related risks or may affect threatened or endangered species.
In addition to the Company’s business operations, which have not had impacts on biodiversity, the Company also considers the prevention, restoration, and enhancement of areas surrounding its branches and Head Office. This is supported through activities that promote biodiversity, such as reforestation initiatives using plant species that are limited in number in specific areas. The Company aims to maintain environmental abundance, enhance biodiversity, and protect ecosystems.
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Environmental Management
Renewable Energy
The Company is committed to conducting business with responsibility towards society and the environment. In 2024, the Company initiated a project to install rooftop solar panels at five branch offices in Phitsanulok and Sukhothai provinces to increase the use of clean energy and reduce reliance on energy sources that are less environmentally friendly. This project not only helps reduce long-term energy costs but also contributes to the reduction of greenhouse gas emissions, a key driver of global warming, while supporting the Sustainable Development Goals (SDGs) and strengthening business capability alongside efficient resource management.
In addition, in 2025, the Company established a plan to continuously expand the installation of solar panels at branch offices, with 20 branches planned in 2026, 40 branches in 2027, and 80 branches in 2028. The Company has also set a long-term target to install solar panels across all branches nationwide, which could help reduce costs and air pollutant emissions by up to 60%.
Performance
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Resource Efficiency Measures
Efficient Electricity Consumption
In 2025, the Company continued to implement measures to manage electricity consumption efficiently by requiring branches to operate within an appropriate energy consumption framework through the Internal Carbon Fee mechanism, which applies an internal carbon price of THB 8,799 per tonne of CO₂. This measure aims to reduce unnecessary energy consumption and promote a culture of responsible resource use. The Company also reinvests resource-related cost savings generated from these measures into clean energy technologies and continues to develop its environmental management plan for the future.
This measure reflects the Company’s commitment to reducing environmental impacts and laying the foundation for sustainable development. It enabled the Company to reduce electricity consumption by 5,956 MWh, equivalent to 11.42%, serving as an important driver for creating positive change for both the organization and society.
Performance
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Efficient Water Consumption
Although the Company’s business operations do not directly use water as a core operational input, the Company places great importance on recognizing the value of water and conserving water resources. Accordingly, the Company has established measures for efficient water consumption as follows :
1. Establish an appropriate water consumption framework to control usage and costs, while encouraging employees to recognize the importance of responsible water use.
2. Provide education and conduct awareness campaigns on responsible water use, while communicating knowledge and monitoring environmental performance through a monthly newsletter that employees are required to read every month.
3. Install appropriate sanitary fixtures and increase the number of male urinals in line with the employee ratio to reduce water consumption per use, and incorporate this approach into the branch renovation manual.
Performance
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Paper Consumption Management
The organization has implemented measures to reduce and control paper consumption in order to minimize environmental impacts. These measures include promoting double-sided paper use and providing designated collection points for single-sided paper to support reuse. In addition, the Company has developed electronic receipt (E-Receipt) and digital document (E-Document) systems to reduce paper use across various processes, while also implementing controls to ensure that paper is requisitioned only when necessary.
Performance
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