SCB designs flexible financial products and instruments tailored to each client's transition readiness and specific objectives. These solutions support investments in decarbonization, climate risk adaptation, and supply chain enhancement, integrating appropriate incentives, competitive interest rates and fees, and sustainability performance-linked conditions. This approach helps ensure that the transition is both practical and sustained over time.
In 2025, SCB continued to support corporate clients through sustainability-linked financing, encompassing the service, tourism, and diverse renewable energy sectors. This was complemented by sustainable finance advisory services, as well as the Bank's ongoing role as a joint underwriter for environmentally focused bond issuances.
Small and Medium-sized Enterprises (SMEs) and Small and Micro Enterprises (SSMEs) are integral to Thailand's economic growth across multiple dimensions, including value creation, labor market development, and export sector support. The Bank is dedicated to supporting environmentally conscious SMEs and SSMEs by providing access to capital with preferential interest rates and special terms. This support aims to strengthen business readiness and enhance long-term competitiveness amid the transition to a low-carbon economy.
The Bank promotes sustainable lifestyles among retail customers by encouraging environmentally friendly mobility, the use of renewable energy, and energy efficiency. These efforts are supported through ongoing collaboration with partners across various sectors to continuously develop auto loans and housing loans for environmental sustainability.
Under the Sustainable Finance Framework and Instruments, SCB has expanded the role of financial solutions to include investment management for customers through SCB Asset Management Company Limited (SCBAM). SCBAM has applied responsible investment principles since 2014 and has progressively evolved toward sustainable investing. In 2024, SCBAM joined as a signatory to the UN Principles for Responsible Investment (PRI), demonstrating its commitment to sustainable management and investment.
With the principle of managing investments to deliver the best returns to investors and create positive impacts for everyone, SCBAM has established a good governance structure, such as establishing a Sustainable Executive Committee to set guidelines and consider operational strategies, while using ESG factors as part of the investment and risk analysis and consideration, based on fiduciary duty. In addition, it has continuously developed sustainable investment management guidelines, whether developing tools or metrics for the sustainability performance of invested companies, setting targets, developing measurement systems and reporting, or promoting understanding and creating a culture that emphasizes ESG factors.
SCB supports customers through practical knowledge and advisory services across the full transition journey, including the assessment of ESG-related risks and opportunities, the formulation of transition targets and plans, the enhancement of measurement and disclosure practices, and preparedness for relevant standards and regulatory requirements. These efforts enable customers to make more informed investment decisions, reduce transition-related barriers, and strengthen long-term competitiveness.
In 2025, the Bank designed activities and programs addressing entrepreneurs' challenges in the context of economic, technological, and sustainability transitions. These initiatives help customers assess their own opportunities and risks while preparing for access to the Bank's sustainable financing in subsequent phases. Key programs include:
SCB has elevated the role from customer engagement to system-level collaboration with industry players and regulatory authorities to advance transition finance and sustainable finance at the national level. This includes active knowledge exchange among financial institutions and climate-focused networks, as well as participation in the development of policy frameworks and disclosure standards. Through these collaborative efforts, the Bank contributes to shaping practical standards, guidelines, and enabling ecosystems that support customers in navigating their sustainability transition effectively.
The Bank recognizes the hospitality sector as a core strategic industry for SCB, given its extensive linkages to service supply chains and its pivotal role in Thailand's tourism-driven economy. At the same time, the sector faces a notable transition gap, requiring improvements in operational standards, resource management, and capital investment to enhance efficiency and sustainability. Currently, the Bank's outstanding loan portfolio in the hospitality sector exceeds THB 130,000 million.
From Strategy to Action: ตัวอย่างการขับเคลื่อนจริงในภาคโรงแรม ธนาคารได้ร่วมมือกับผู้ประกอบการโรงแรมในการนำแนวทางการเงินเพื่อการเปลี่ยนผ่านไปสู่การปฏิบัติจริง ครอบคลุมทั้งการลงทุน การยกระดับประสิทธิภาพการดำเนินงาน และการพัฒนามาตรฐานด้านความยั่งยืนอย่างเป็นระบบ
การเริ่มต้นเส้นทางโรงแรมสีเขียว
การยกระดับมาตรฐานโรงแรมผ่าน Green Certification และการสนับสนุนด้านการเงิน
การปรับปรุงการดำเนินงานเพื่อเพิ่มประสิทธิภาพ
การลงทุนด้านพลังงานและการบริหารจัดการทรัพยากรเพื่อลดต้นทุนและลดการปล่อยก๊าซเรือนกระจก
ความร่วมมือเพื่อขับเคลื่อนการเปลี่ยนผ่าน
บทบาทของพันธมิตรและ ecosystem ในการสนับสนุนธุรกิจโรงแรมอย่างครบวงจร
framework for hospitality sector clients 2023–2025
Siam Commercial Bank, in collaboration with strategic partners, has developed the Green Hotel Plus (GHP): SCB Model to support hotel operators in undertaking a structured and measurable sustainability transition. The initiative is based on the Green Hotel Plus criteria, which are internationally recognized by the Global Sustainable Tourism Council (GSTC).
SCB emphasizes collaboration, participation, and knowledge exchange with financial institutions, associations, and environmental and climate change organizations to jointly advance transition finance and sustainable finance. In 2025, SCB participated in knowledge-sharing and dialogue on transition planning through various forums and panel discussions organized in collaboration with external organizations, including:
SCB is a member of the Thai Bankers' Association, playing a key role in promoting ESG integration among the private sector, supporting the transition toward a low-carbon economy, and advancing the BCG (Bio-Circular-Green) Economy. In addition, SCB collaborates with the Bank of Thailand to develop and implement Sustainable Banking practices, including the formulation of a clear ESG Declaration to guide business operations.
In 2025, the Bank engaged and coordinated with government agencies and public institutions to accelerate the transition toward Net Zero, contributing at both the policy level and in creating an enabling economic environment to support the broader economic transition:
