Board & Managements

To Shareholders,

On behalf of the management team and all our employees, I would like to express my sincere gratitude for the trust and support you have always extended to our company.

The past year was a clear demonstration of our unwavering commitment to our shareholders. Our primary directive was to enhance total shareholder return. This was achieved through a multi-pronged strategy: we fundamentally re-architected our revenue structure, implemented disciplined cost optimization across the organization, maintained our consistent dividend payment policy, and executed a treasury stock program to reinforce shareholders' confidence through the company's financial strength, which not only enhances returns for shareholders, but also enables the company to maintain sustainable growth and uphold a strong corporate image for our shareholders in the long run.

Looking ahead, we have defined our path forward under the “Four-High” strategy. This vision embodies our commitment to achieving the highest standards of excellence and will drive the organization forward through four core factors:

1. High Security: Aiming to become the most trusted and secure financial service provider in Thailand by 2030, through relentless investment in technology and security innovation.
2. High Acceptance: Expanding financial inclusion to underserved customer segments by developing more flexible and appropriate credit assessment processes.
3. High Performance: Focusing on sustainable growth by restructuring our installment loan business, expanding our partner network, and upgrading our operational tools.
4. High Value Contribution: Remaining committed to our mission of contributing to Thai society, from environmental and cultural preservation to developing products and services that address broader societal needs.

Ultimately, I firmly believe that the most critical driving force in the digital era is our people performance. We will remain dedicated to fostering a strong corporate culture where every employee upholds integrity, respects their colleagues, and places our customers at the heart of everything they do.

I thank you once again for your unwavering support. I ask for your continued confidence as we move forward with determination and prudence to build sustainable growth together.

Respectfully yours,

Mr. Toshiya Shimakata

Vice Chairman of the Board and Managing Director