Company Overview

In 2025, the Thai economy continued to recover slower than expected due to weak purchasing power and high household debt. This led to a contraction in domestic lending across both bank and non-bank sectors, driven by concerns over rising non-performing loans (NPLs).

Similarly, SG Capital Public Company Limited (“the Company”) prioritized Responsible Lending in alignment with the Bank of Thailand’s policies. We focused on credit risk management, liquidity management, and rigorous quality control across all loan portfolios. To enhance efficiency, we integrated advanced technologies into our operations, including Electronic Know Your Customer (e-KYC) and Credit Scoring systems through our digital platform, SG Finance+.

As a result, in 2025, the Company emerged as a leader in Thailand’s Lock Phone financing market. By achieving robust loan growth while effectively managing bad debt, we have delivered a consistent improvement in our overall financial performance.

Furthermore, the Company is committed to operating with transparency, fairness, and accountability, with a strong focus on the interests of all stakeholders, including partners, business associates, customers, employees, shareholders, and the community. We strive to maintain a balance across three key dimensions Economy, Society, and Environment under the Environmental, Social, and Governance (ESG) framework, which serves as our core strategy for sustainable growth. In the past year, our dedication has been recognized through the following achievements: SET ESG Ratings: Awarded an "A" rating in the financial sector for 2025 by the Stock Exchange of Thailand, reflecting our continuous improvement in operational excellence and information disclosure. Corporate Governance: Rated "Excellent" by the Thai Institute of Directors (IOD). AGM Quality: Achieved a perfect score of 100 in the 2025 AGM Checklist assessment by the Thai Investors Association. Anti-Corruption: Certified as a member of the Thai Private Sector Collective Action Against Corruption (CAC). These milestones reflect the Company’s unwavering commitment to upholding the principles of good corporate governance and conducting business responsibly.

Finally, on behalf of the Board of Directors, I would like to express our sincere gratitude to all shareholders and stakeholders for your continued trust and confidence. With the shared dedication of our directors, management, and staff, the Company remains committed to advancing our financial innovations and digital systems to enhance our competitive edge. We will continue to strive for appropriate and fair returns for our shareholders, while strictly adhering to the principles of good corporate governance in every aspect of our operations to ensure steady and sustainable growth.

Mr. Bibit Bijaisoradat

Chairman of the Board / Independent Director