SCB Sustainability Strategic Framework “Live Sustainably”

With a strong foundation built over more than 119 years, Siam Commercial Bank has stood alongside Thailand's economic growth through responsible and prudent business practices. Our commitment to stakeholders is centered on fostering long-term stability and trust by continuously elevating operational standards, enhancing risk management, and creating lasting value for our organization, customers, and Thai society.

In today's rapidly changing and complex world, Thailand faces new challenges amidst persistent vulnerabilities. These include climate change and global warming, which impact both the economy and quality of life; heightened economic uncertainty; and radical technological disruptions that pose risks to those unable to adapt.

Over the past three years, the Bank has adopted the concept of "Live Sustainably" as the core strategic framework for driving organizational sustainability. This strategy seeks to promote a balanced approach across economic, social, and environmental dimensions, while expanding opportunities and enabling broader participation from all sectors in creating positive impacts across the sustainable development ecosystem. Guided by the philosophy of "Business Success, Societal Progress," the Bank's ambition extends beyond becoming one of the most sustainable organizations. It is equally focused on unlocking opportunities and possibilities to support the Bank, customers, and Thai society in navigating change, fostering resilience, and enabling people to lead meaningful lives within a balanced and sustainable environment and ecosystem. SCB drives this strategy through three pillars:

S
Pillar 1
SUSTAINABLE BANKING
Committed to driving a low-carbon economy through responsible financial innovation and effective risk management, while fostering an inclusive and equitable financial ecosystem to serve as a partner in supporting all customer segments in their transition toward a sustainable future.
 Sustainable Financin
 Net Zero in Financed Emissions
 Elevating Large-Scale Projects Finance Credit Assessment through Equator Principle (EPs)
 Broadening Access to Financial Inclusion
C
Pillar 2
CORPORATE PRACTICE EXCELLENCE
Strengthening operational foundations with stability, transparency, and robust governance, while enhancing adaptability amidst rapid change. This encompasses all key dimensions to navigate future challenges and ensure resilient, long-term growth.
 Operational Net Zero
 Digital Solutions and Cybersecurity
 Talent Development and Employee Well-being
B
Pillar 3
BETTER SOCIETY
Creating meaningful and lasting value for Thai society by expanding equitable access to opportunities and promoting holistic well-being. Through meaningful engagement and social investments that address real needs, we aim to drive an inclusive, resilient, and secure society for the long term.
 Social Development, Disaster Relief, Environmental Conservation, and Religious Preservation
 Promotion of Medical and Public Health Initiatives
 Support for Youth Education

 

Performance Results

Sustainability Highlights 2025

Key outcomes achieved by Siam Commercial Bank in 2025, spanning all three strategic pillars.

S · SUSTAINABLE BANKING
SUSTAINABLE FINANCE SCALE-UP
Cumulative Total 2023 – 2025
223,487
THB million
Cumulative new sustainable loan approvals and bond underwriting for customers during 2023 – 2025

Achieved the 2023–2025 target of THB 150,000 M · Extended new target to THB 500,000 M – 550,000
🏨 Hospitality Role Model
Advancing the Hospitality Sector as a Sustainability Role Model
40,000+
THB million · Total lending (2023–2025)
 Supporting Green Building Certificates
 Supporting Green Operating Certificates
🌿 Net Zero 2050
Net Zero 2050 in Financed Emissions
 Committed to achieving net zero greenhouse gas emissions from lending and investment activities by 2050, supported by sectoral decarbonization strategies across five high-emitting sectors.
 Achieved annual targets for emissions intensity reduction in the power generation portfolio¹ and for limiting temperature rise in other sectors2, in line with SBTi-aligned methodologies.
¹ Sectoral Decarbonization Approach (SDA) – Power Generation sector
² Implied Temperature Rise (ITR) – Other sectors
⚖️ Equator Principles
Elevating Large-Scale Project Finance Credit Assessment under EPs
 Enhanced environmental and social risk management throughout the project finance credit assessment process 
 Strengthened transparency throughout the project finance credit assessment process
C · CORPORATE PRACTICE EXCELLENCE
OPERATIONAL NET ZERO 2030
7,979
tCO₂e
Reduction in Scope 1 & 2* greenhouse gas emissions in 2025 — a 17% decrease from the 2023 baseline of 61,884 tCO₂e
*Scope 2 greenhouse gas emissions are primarily calculated using the location-based method. The market-based approach, including the procurement of Renewable Energy Certificates (RECs), is managed at the parent company/group level to support overall target achievement. Such RECs are not used to offset the Bank's greenhouse gas emissions in this calculation.
💻 Digital & Cyber
Secure and AI‑Powered Digital Ecosystem
 Integrated AI and Chatbots across digital banking and communication channels to deliver personalized customer experiences.
 Elevated data governance and proactive cybersecurity in line with international standards to ensure data protection, service continuity, and digital trust.
👥 People & Leadership
Future-Ready People
 75% of employees completed the ESG DNA program.
 Over 28,000 employees participated in digital upskilling programs during 2023–2025, covering AI, Data Analytics, Design Thinking, Generative AI, and Lean methodologies.
 Developed leadership skills fo 2,500 คน emerging leaders, strengthening the next generation of management talent.
 85% of people managers certified as Leaders as Coach.
B · BETTER SOCIETY
Building an inclusive ecosystem that enables equitable access to opportunities and improves quality of life for all Thais across financial inclusion, skills development, health and well-being — while supporting communities to adapt and grow sustainably.
1,613,532
Individuals
Beneficiaries of our social responsibility initiatives
(2023–2025)
43,621
Youths
Empowered through financial literacy programs
(2023–2025)

 

Rankings & Recognition

ESG Indices & Sustainability Rankings

SCB has been evaluated and recognized by leading international sustainability organizations.

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Dow Jones Sustainability Indices (DJSI)
Achieved the highest score in the Thai banking industry and ranked in the Top 10% globally in the S&P Global Sustainability Yearbook 2026, Banking sector, by S&P Global.
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FTSE4Good Emerging Index
Selected as a constituent of the FTSE4Good Index Series by FTSE Russell.
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Carbon Disclosure Project (CDP)
Received an "A List" rating for climate change management for the second consecutive year by CDP.
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SET ESG Ratings
Received the highest "AAA" ESG rating in the SET ESG Ratings by the Stock Exchange of Thailand.
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MSCI
Received an 'A' ESG rating from MSCI.
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Fair Finance
Ranked 2nd for the second consecutive year with a score of 38.6%, with outstanding results in four key areas: financial inclusion, consumer protection, labor rights, and health.
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Best Customer Journey Experience Award
Received this award from the Bank of Thailand for the "Emerging the Transition" program, which supports the hospitality sector in transitioning to sustainable business practices.
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White Brand Award 2026
Received a special honorary award for Governance Excellence from BrandAge in partnership with the Anti-Corruption Organization of Thailand (ACT).