Sustainability Management: Governance and Economic Dimensions
The Group, through the Board of Directors, annually reviews its roles, duties, and responsibilities under the Good Corporate Governance Policy, recognizing that corporate governance defines the structure and processes governing relationships among shareholders, the Board, senior management, and all stakeholders. The Group operates in line with Sustainable Development (SD), emphasizing good governance, social and environmental responsibility (ESG), with the objective of enhancing competitiveness and creating sustainable long-term value for shareholders while considering stakeholder interests, supporting stable and continuous business growth
The Group joined the Thai Private Sector Collective Action Against Corruption (CAC) and has received membership certification continually. The Group conducts annual self-assessments to strengthen its anti-bribery and anti-corruption system in accordance with CAC standards.
In 2025, the group restructured into a holding company, transitioning from “NTL” to TIDLOR, the Group, and was listed on the SET on 15 May 2025. The Group received a “Very Good” corporate governance rating (4 stars) from the Thai Institute of Directors (IOD) and remains committed to ongoing improvement.
The Group obtained an EcoVadis Bronze rating for its integrated environmental and social responsibility management system across four areas: Environment, Labor & Human Rights, Ethics, and Sustainable Procurement.
Compliance Champion meetings bring representatives from all functions together for governance training, enabling knowledge transfer and initial advisory support within their departments, as well as coordination in cases of non-compliance. In 2025, four sessions were held with participation from all internal functions.
The Group ESG Working Committee meets every two months to monitor environmental, social, and governance action plans, define CSR strategies, and develop projects and campaigns delivering positive social impact, aligned with the Sustainable Development Goals.
The Group operates in compliance with the SET, SEC, and IOD corporate governance principles to elevate business standards to international levels, serving as a code of conduct framework for directors, executives, and employees.
In alignment with the Bank of Thailand’s Responsible Lending guidelines effective from 2024 and updated in 2025, the Group strictly complies with regulatory requirements, recognizing the benefits to customers’ debt management and national household debt reduction. Operating processes were adjusted to fully meet these requirements for maximum customer benefit.
Governance and Economic Development Activities for Corporate Sustainability in 2025
Long-term goal
Monitoring system based on project metrics toward annual goals
Sustainability Performance Results
| Sustainability Issue | Indicator | Result |
|---|---|---|
| 1. Good corporate governance and anti-bribery and anti-corruption | No regulatory violations identified by supervisory authorities | 99.99% |
| 2. Digital transformation of work processes | Reduce traditional processes and working hours by 20% | 20% |
| 3. Cybersecurity and data security | No cybersecurity incidents causing system disruption or data leakage. | No successful cyber attacks |
| 4. Risk management and crisis mana | Comprehensive risk identification at 100% | 100% |
| 5. Personal data protection | Zero personal data breaches | No data breach detected |
| 6. Customer-centric, quality products | Repeat customers at 40% | 55% |
| 7. Customer experience | Accurate customer information and satisfaction not less than 80% | 97% |
| 8. Human capital development | Employee satisfaction not less than 80% | 97% |
| 9. Human rights respect | Zero human rights violations | No human rights violations |
| 10. Ocupational health, safety, and working environment | No employee injuries caused by workplace conditions | 99.9% |
| 11. Financial literacy promotion | At least 10 community and social activities | 18 activities |
| 12. Inclusive product design | Customer growth not less than 10% YoY | 14% |
| 13. Community engagement and development | Stakeholder participation ≥80% | 80% |
| 14. Environmentally friendly products and services | Tidlor Card users increase not less than 10% | 14% |
| 15. Energy consumption | Electricity per employee reduced by 10% within 5 years | -0.84% |
| 16. Environmental management and efficient resource use | 100% conversion to LED lighting | 100% |
| Paper and waste recycling not less than 10% | 10% |
With objectives aimed at achieving sustainable growth, increase long-term business value with legitimate, transparent and auditable operation. We emphasize integrity, while considering risks, responsibilities and fair treatment to stakeholders and all relevant parties together with supporting sustainable economic, social and environmental development. Good Corporate Governance Principles are established in compliance with the good corporate governance criteria stipulated by the Stock Exchange of Thailand (SET), the Securities and Exchange Commission (SEC), and Thai Institute of Directors Association (IOD).
The Board of Directors has approved these Good Corporate Governance Principles as the guideline for operating the business and improving the business operation standard to achieve international acceptance. These Principles also serve as the behavior framework to be strictly adhered to by all directors, Senior Management and employees in performing duties.