Page 125 - BAM ONE REPORT 2565 (ENGLISH VERSION)

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Form 56-1 One Report 2022

Sustainability Performance

In 2022, the Company had determined a corporate sustainability development policy as a management framework,
a mark of adherence to business operations in accordance with the Sustainable Development Goals: SDGs, and a
guideline for business operations responsible for environment, society, and governance. The policy is deemed important
and needs to be implemented continuously. In addition, conducting businesses under such policy creates shared
value for stakeholders and maintains responsibility and credibility as well as responding to all groups of stakeholders’
expectations, as detailed below.
• The Company is committed to conducting environmental management with maximum efficiency and
benefits, supporting and promoting national policies for a reduction in greenhouse gas emissions and carbon neutrality
and net zero targets by implementing guidelines on efficient use of resources and supporting the use of renewable
energy and eco-friendly technology.
• The Company gives importance to social responsibility by promoting, supporting, assisting, and contributing
to the improvement of the quality of life for stakeholders with the goals of educational development for employees
and creating opportunities to access products and services for low-income individuals in order to reduce social
inequality through the Company's projects and campaigns including NPA Installment Program, Hot Price Condo for ALL
by BAM, Resolve Debts Project, etc. Furthermore, the Company also promotes financial literacy for people in society
so that they can access appropriate financial services and create activities for society in various forms that lead to the
elevation of good quality of life effectively.
• The Company gives importance to the integration of business processes and good corporate governance
along with risk management that takes into account all stakeholders. It promotes and supports assessment and
monitoring of the impacts it has on the environment, society, and economy, and good corporate governance to
reflec transparen business operations which ar responsibl for th valu chain in order achiev th goal of
creating economic value and to grow with society sustainably.

From the sustainability performance in 2022, the Company had been selected to be one of the sustainable
stocks on the Stock Exchange of Thailand’s Thailand Sustainability Investment (THSI) list for 2022, which is an award
of commitment to focusing on sustainable business operations and development. In addition, the Company received
the “excellent” rating in the Corporate Governance Report of Thai listed companies (CGR) from the Thai Institute of
Directors Association for the year 2022.

As for the direction of the Thai economy in 2023, the Company expects that the Thai economy will continue
to be faced with challenges in various aspects, along with high costs and the trend of increasing interest rates. The
Company, thus, is required to operate its businesses with caution by taking into account the stakeholders, developing
financial products and services to meet the needs of customers, and continuing to adhere to the business practices
which are responsible to environmental, social and governance (ESG). The Company is to apply the Sustainable Development
Goals (SDGs) to its operational processes thoroughly and equally in line with the vision “to be the leading organization
in the revival of assets to drive Thai economy and society towards sustainable growth”.