You are being redirected to
https://www.ttbbank.com/
TMBThanachart is committed to promoting financial inclusion while preventing over-indebtedness among individuals. We believe that access to financial services is a fundamental right that empowers individuals to build a secure future and uplift their financial well-being. Recognizing that access to financial services remains a challenge to various underserved groups in Thailand, the Bank directs the efforts on the following areas:
Financial Literacy
Financial literacy is a cornerstone of sustainable financial inclusion. The Bank provides a wide range of non-financial support focusing on comprehensive education on mindful spending and savings, healthy borrowing, investing for the future, and having sufficient protection. This enables individuals to make informed financial decisions that align with their long-term goals. Through our digital platforms, we aim to equip all individuals, particularly those living in remote areas, with the knowledge and skills necessary to improve their financial well-being according to the Bank’s mission.
Digital Solutions
The Bank leverages technology to enhance accessibility and efficiency in financial services. Our digital solutions not only facilitate convenient access to banking and payment services but also enable secure and transparent transactions. Through mobile banking app and online financial management tools, we strive to bridge the gap between underserved populations and formal financial services.
Inclusive Financial Products and Services
The Bank continues to develop financial products and services based on market survey and customer needs to ensure inclusivity for all groups of customers. Acknowledging that each group of customers is different, we tailor delivery methods to the targeted group’s needs and preferences. In addition, we proactively engage with government agencies, industry association and private sector partners to promote access to financial products and services in Thailand.
Over-indebtedness Prevention
While advocating for financial inclusion, we are vigilant about preventing over-indebtedness. The Bank adheres to responsible lending practices, conducting thorough assessments of borrowers' financial capacity using risk-based pricing approach and offering tailored credit solutions. Through continuous monitoring and personalized financial counseling, we proactively identify and address signs of financial distress to mitigate the risk of over-indebtedness.
Fair Treatment
To ensure fair treatment and sales quality control, the Bank puts emphasis on providing training to all levels of employees who are engaged in delivering financial services to customers. All groups of customers shall receive valuable and sufficient information for decision making with a respectful, non-discrimination and non-disturbing manner. We provide complaint mechanisms that are convenient and accessible for underserved customers, and ensure that the handling of complaints is clear, timely, independent, effective, and fair.
Ultimately, our commitment is to create positive and lasting impact through inclusive financial practices. By promoting financial inclusion and preventing over-indebtedness, we contribute to building a more equitable and prosperous society for all.
The Bank recognizes the importance of financial literacy as a fundamental knowledge that everyone should have. As a bank, it is our role to help raise awareness and educate people on this topic in order to increase people’s capability to manage their finances and ultimately achieve improved financial well-being.
Since 2017, financial literacy has been identified as one of the key components of sustainability at the Bank. Hence, Financial Literacy Program has been initiated to ensure the effectiveness of the Bank’s strategic focus on building a need-based proposition through advisory services in all customer segments. The program focuses on two areas: building internal competency of basic financial knowledge and understanding and contributing to industry-wide on financial literacy covering 4 main target groups namely employees, customers, community and regulators.
The Bank provides a mandatory financial literacy training for new employees, while continuously develops internal trainings to increase our employees’ capability on financial literacy knowledge, attitude, and behavior. Examples of these trainings include e-learning in a format of a short movie with a set of quiz and activities that lead to measurable actions. The Bank believes before the Bank to provide financial services or actively engage with others about financial literacy, our employees must firstly be competent.
The Bank aims to build a strong relationship and strong financial competency for our clients. Appropriate activities and engagement approaches have been developed based on an understanding of the target group, different levels of maturity and the ground rule of no commercial ties with cross-sells during engagement with the related parties.
 |
Financial tips publicized on ttb website and ttb social media channels with the concept of being ‘Your Financial Companion’ with an aiming to be accessible to Thai citizens in any areas. Visit fintips at fintips |
 |
Financial education program specifically designed for employees of companies that use ttb Payroll Plus, an all-in-one digital platform for compensation and benefits. |
 |
Business Advisory Hub for SMEs by providing financial and business consultancy, knowledge, and trends to help SMEs perform better and achieve their goals. |
 |
An online tool that helps set targets and provide financial planning together with the provision of financial knowledge based on individual needs. The tool offers suitable financial solutions that enhance the financial well-being of everyone. Currently, four tools are publicly available on ttb website: 1. Tool to identify customers’ financial personalities by associating them with 16 types of athletes. This tool helps customers learn more about themselves in 3 aspects: spending style, saving plan, and readiness to invest and acceptable risks https://www.ttbbank.com/fwbgoalsetting/start-testing 2. Tool for financial well-being goal setting https://www.ttbbank.com/fwbgoalsetting/goal-settings/getting-started 3. Tool to identify suitable insurance products through ttb smart protect https://www.ttbbank.com/th/smartprotect 4. Tool to set targets and investment plans with ttb smart port. https://www.ttbbank.com/tsp/lite-cal |
As ttb’s mission is to improve our customers' lifelong financial well-being, we recognize the critical role of financial inclusion in supporting this goal. We aim to provide financial inclusion for all clients, including underserved groups such as individuals in rural areas, women, people with disabilities, microbusiness owners, and those burdened by household debts and over-indebtedness.
Our focus is on equipping them with the necessary tools and resources to effectively manage their finances and plan for the future. Hence, the Bank is dedicated to continuously expanding financial services through innovative market research and engagement with external parties to develop inclusive products based on client feedback. Guided by our Financial Inclusion Commitment and Financial Well-Being Framework, our products are designed to tailor and personalize financial solutions, addressing the needs of our customers through all stages of life, while also providing non-financial support. The Board of Directors provides strategic guidance and oversees policies and frameworks related to financial inclusion, ensures effective implementation, and maintains the focus on financial inclusion to achieve the Bank’s objectives. The board holds senior management accountable for achieving the targets. The Bank has formed multiple dedicated teams to lead initiatives in key areas such as financial literacy, digital solutions, inclusive financial products and services, prevention of over-indebtedness, and fair treatment.
We have implemented policies and standards to ensure client suitability and affordability, and our products and services are designed to meet customers' needs and lifestyles. Furthermore, the Bank offers debt resolution and restructuring to protect customers from over-indebtedness while promoting good financial behaviors. Moreover, our frontline employees and effective complaints mechanisms are essential components in advancing financial inclusion.
Our employees receive regular training to treat every customer fairly and equally, preventing any form of discrimination based on age, gender, sexual orientation, ethnicity, nationality, religion, beliefs, cultures, or socio-economic background, and avoiding misconduct. Furthermore, our complaints mechanisms are available through various channels such as branches, contact centers, website, and social media, ensuring accessibility for all.
TMBThanachart is committed to promoting financial inclusion while preventing over-indebtedness among individuals. We believe that access to financial services is a fundamental right that empowers individuals to build a secure future and uplift their financial well-being. Recognizing that access to financial services remains a challenge to various underserved groups in Thailand, the Bank directs the efforts on the following areas:
Financial Literacy
Financial literacy is a cornerstone of sustainable financial inclusion. The Bank provides a wide range of non-financial support focusing on comprehensive education on mindful spending and savings, healthy borrowing, investing for the future, and having sufficient protection. This enables individuals to make informed financial decisions that align with their long-term goals. Through our digital platforms, we aim to equip all individuals, particularly those living in remote areas, with the knowledge and skills necessary to improve their financial well-being according to the Bank’s mission.
Digital Solutions
The Bank leverages technology to enhance accessibility and efficiency in financial services. Our digital solutions not only facilitate convenient access to banking and payment services but also enable secure and transparent transactions. Through mobile banking app and online financial management tools, we strive to bridge the gap between underserved populations and formal financial services.
Inclusive Financial Products and Services
The Bank continues to develop financial products and services based on market survey and customer needs to ensure inclusivity for all groups of customers. Acknowledging that each group of customers is different, we tailor delivery methods to the targeted group’s needs and preferences. In addition, we proactively engage with government agencies, industry association and private sector partners to promote access to financial products and services in Thailand.
Over-indebtedness Prevention
While advocating for financial inclusion, we are vigilant about preventing over-indebtedness. The Bank adheres to responsible lending practices, conducting thorough assessments of borrowers' financial capacity using risk-based pricing approach and offering tailored credit solutions. Through continuous monitoring and personalized financial counseling, we proactively identify and address signs of financial distress to mitigate the risk of over-indebtedness.
Fair Treatment
To ensure fair treatment and sales quality control, the Bank puts emphasis on providing training to all levels of employees who are engaged in delivering financial services to customers. All groups of customers shall receive valuable and sufficient information for decision making with a respectful, non-discrimination and non-disturbing manner. We provide complaint mechanisms that are convenient and accessible for underserved customers, and ensure that the handling of complaints is clear, timely, independent, effective, and fair.
Ultimately, our commitment is to create positive and lasting impact through inclusive financial practices. By promoting financial inclusion and preventing over-indebtedness, we contribute to building a more equitable and prosperous society for all.
The Bank recognizes the importance of financial literacy as a fundamental knowledge that everyone should have. As a bank, it is our role to help raise awareness and educate people on this topic in order to increase people’s capability to manage their finances and ultimately achieve improved financial well-being.
Since 2017, financial literacy has been identified as one of the key components of sustainability at the Bank. Hence, Financial Literacy Program has been initiated to ensure the effectiveness of the Bank’s strategic focus on building a need-based proposition through advisory services in all customer segments. The program focuses on two areas: building internal competency of basic financial knowledge and understanding and contributing to industry-wide on financial literacy covering 4 main target groups namely employees, customers, community and regulators.
The Bank provides a mandatory financial literacy training for new employees, while continuously develops internal trainings to increase our employees’ capability on financial literacy knowledge, attitude, and behavior. Examples of these trainings include e-learning in a format of a short movie with a set of quiz and activities that lead to measurable actions. The Bank believes before the Bank to provide financial services or actively engage with others about financial literacy, our employees must firstly be competent.
The Bank aims to build a strong relationship and strong financial competency for our clients. Appropriate activities and engagement approaches have been developed based on an understanding of the target group, different levels of maturity and the ground rule of no commercial ties with cross-sells during engagement with the related parties.
|
Financial tips publicized on ttb website and ttb social media channels with the concept of being ‘Your Financial Companion’ with an aiming to be accessible to Thai citizens in any areas. Visit fintips at fintips |
|
Financial education program specifically designed for employees of companies that use ttb Payroll Plus, an all-in-one digital platform for compensation and benefits. |
|
Business Advisory Hub for SMEs by providing financial and business consultancy, knowledge, and trends to help SMEs perform better and achieve their goals. |
|
An online tool that helps set targets and provide financial planning together with the provision of financial knowledge based on individual needs. The tool offers suitable financial solutions that enhance the financial well-being of everyone. Currently, four tools are publicly available on ttb website: 1. Tool to identify customers’ financial personalities by associating them with 16 types of athletes. This tool helps customers learn more about themselves in 3 aspects: spending style, saving plan, and readiness to invest and acceptable risks https://www.ttbbank.com/fwbgoalsetting/start-testing 2. Tool for financial well-being goal setting https://www.ttbbank.com/fwbgoalsetting/goal-settings/getting-started 3. Tool to identify suitable insurance products through ttb smart protect https://www.ttbbank.com/th/smartprotect 4. Tool to set targets and investment plans with ttb smart port. https://www.ttbbank.com/tsp/lite-cal |
As ttb’s mission is to improve our customers' lifelong financial well-being, we recognize the critical role of financial inclusion in supporting this goal. We aim to provide financial inclusion for all clients, including underserved groups such as individuals in rural areas, women, people with disabilities, microbusiness owners, and those burdened by household debts and over-indebtedness.
Our focus is on equipping them with the necessary tools and resources to effectively manage their finances and plan for the future. Hence, the Bank is dedicated to continuously expanding financial services through innovative market research and engagement with external parties to develop inclusive products based on client feedback. Guided by our Financial Inclusion Commitment and Financial Well-Being Framework, our products are designed to tailor and personalize financial solutions, addressing the needs of our customers through all stages of life, while also providing non-financial support. The Board of Directors provides strategic guidance and oversees policies and frameworks related to financial inclusion, ensures effective implementation, and maintains the focus on financial inclusion to achieve the Bank’s objectives. The board holds senior management accountable for achieving the targets. The Bank has formed multiple dedicated teams to lead initiatives in key areas such as financial literacy, digital solutions, inclusive financial products and services, prevention of over-indebtedness, and fair treatment.
We have implemented policies and standards to ensure client suitability and affordability, and our products and services are designed to meet customers' needs and lifestyles. Furthermore, the Bank offers debt resolution and restructuring to protect customers from over-indebtedness while promoting good financial behaviors. Moreover, our frontline employees and effective complaints mechanisms are essential components in advancing financial inclusion.
Our employees receive regular training to treat every customer fairly and equally, preventing any form of discrimination based on age, gender, sexual orientation, ethnicity, nationality, religion, beliefs, cultures, or socio-economic background, and avoiding misconduct. Furthermore, our complaints mechanisms are available through various channels such as branches, contact centers, website, and social media, ensuring accessibility for all.
TMBThanachart is committed to promoting financial inclusion while preventing over-indebtedness among individuals. We believe that access to financial services is a fundamental right that empowers individuals to build a secure future and uplift their financial well-being. Recognizing that access to financial services remains a challenge to various underserved groups in Thailand, the Bank directs the efforts on the following areas:
Financial Literacy
Financial literacy is a cornerstone of sustainable financial inclusion. The Bank provides a wide range of non-financial support focusing on comprehensive education on mindful spending and savings, healthy borrowing, investing for the future, and having sufficient protection. This enables individuals to make informed financial decisions that align with their long-term goals. Through our digital platforms, we aim to equip all individuals, particularly those living in remote areas, with the knowledge and skills necessary to improve their financial well-being according to the Bank’s mission.
Digital Solutions
The Bank leverages technology to enhance accessibility and efficiency in financial services. Our digital solutions not only facilitate convenient access to banking and payment services but also enable secure and transparent transactions. Through mobile banking app and online financial management tools, we strive to bridge the gap between underserved populations and formal financial services.
Inclusive Financial Products and Services
The Bank continues to develop financial products and services based on market survey and customer needs to ensure inclusivity for all groups of customers. Acknowledging that each group of customers is different, we tailor delivery methods to the targeted group’s needs and preferences. In addition, we proactively engage with government agencies, industry association and private sector partners to promote access to financial products and services in Thailand.
Over-indebtedness Prevention
While advocating for financial inclusion, we are vigilant about preventing over-indebtedness. The Bank adheres to responsible lending practices, conducting thorough assessments of borrowers' financial capacity using risk-based pricing approach and offering tailored credit solutions. Through continuous monitoring and personalized financial counseling, we proactively identify and address signs of financial distress to mitigate the risk of over-indebtedness.
Fair Treatment
To ensure fair treatment and sales quality control, the Bank puts emphasis on providing training to all levels of employees who are engaged in delivering financial services to customers. All groups of customers shall receive valuable and sufficient information for decision making with a respectful, non-discrimination and non-disturbing manner. We provide complaint mechanisms that are convenient and accessible for underserved customers, and ensure that the handling of complaints is clear, timely, independent, effective, and fair.
Ultimately, our commitment is to create positive and lasting impact through inclusive financial practices. By promoting financial inclusion and preventing over-indebtedness, we contribute to building a more equitable and prosperous society for all.
The Bank recognizes the importance of financial literacy as a fundamental knowledge that everyone should have. As a bank, it is our role to help raise awareness and educate people on this topic in order to increase people’s capability to manage their finances and ultimately achieve improved financial well-being.
Since 2017, financial literacy has been identified as one of the key components of sustainability at the Bank. Hence, Financial Literacy Program has been initiated to ensure the effectiveness of the Bank’s strategic focus on building a need-based proposition through advisory services in all customer segments. The program focuses on two areas: building internal competency of basic financial knowledge and understanding and contributing to industry-wide on financial literacy covering 4 main target groups namely employees, customers, community and regulators.
The Bank provides a mandatory financial literacy training for new employees, while continuously develops internal trainings to increase our employees’ capability on financial literacy knowledge, attitude, and behavior. Examples of these trainings include e-learning in a format of a short movie with a set of quiz and activities that lead to measurable actions. The Bank believes before the Bank to provide financial services or actively engage with others about financial literacy, our employees must firstly be competent.
The Bank aims to build a strong relationship and strong financial competency for our clients. Appropriate activities and engagement approaches have been developed based on an understanding of the target group, different levels of maturity and the ground rule of no commercial ties with cross-sells during engagement with the related parties.
|
Financial tips publicized on ttb website and ttb social media channels with the concept of being ‘Your Financial Companion’ with an aiming to be accessible to Thai citizens in any areas. Visit fintips at fintips |
|
Financial education program specifically designed for employees of companies that use ttb Payroll Plus, an all-in-one digital platform for compensation and benefits. |
|
Business Advisory Hub for SMEs by providing financial and business consultancy, knowledge, and trends to help SMEs perform better and achieve their goals. |
|
An online tool that helps set targets and provide financial planning together with the provision of financial knowledge based on individual needs. The tool offers suitable financial solutions that enhance the financial well-being of everyone. Currently, four tools are publicly available on ttb website: 1. Tool to identify customers’ financial personalities by associating them with 16 types of athletes. This tool helps customers learn more about themselves in 3 aspects: spending style, saving plan, and readiness to invest and acceptable risks https://www.ttbbank.com/fwbgoalsetting/start-testing 2. Tool for financial well-being goal setting https://www.ttbbank.com/fwbgoalsetting/goal-settings/getting-started 3. Tool to identify suitable insurance products through ttb smart protect https://www.ttbbank.com/th/smartprotect 4. Tool to set targets and investment plans with ttb smart port. https://www.ttbbank.com/tsp/lite-cal |
As ttb’s mission is to improve our customers' lifelong financial well-being, we recognize the critical role of financial inclusion in supporting this goal. We aim to provide financial inclusion for all clients, including underserved groups such as individuals in rural areas, women, people with disabilities, microbusiness owners, and those burdened by household debts and over-indebtedness.
Our focus is on equipping them with the necessary tools and resources to effectively manage their finances and plan for the future. Hence, the Bank is dedicated to continuously expanding financial services through innovative market research and engagement with external parties to develop inclusive products based on client feedback. Guided by our Financial Inclusion Commitment and Financial Well-Being Framework, our products are designed to tailor and personalize financial solutions, addressing the needs of our customers through all stages of life, while also providing non-financial support. The Board of Directors provides strategic guidance and oversees policies and frameworks related to financial inclusion, ensures effective implementation, and maintains the focus on financial inclusion to achieve the Bank’s objectives. The board holds senior management accountable for achieving the targets. The Bank has formed multiple dedicated teams to lead initiatives in key areas such as financial literacy, digital solutions, inclusive financial products and services, prevention of over-indebtedness, and fair treatment.
We have implemented policies and standards to ensure client suitability and affordability, and our products and services are designed to meet customers' needs and lifestyles. Furthermore, the Bank offers debt resolution and restructuring to protect customers from over-indebtedness while promoting good financial behaviors. Moreover, our frontline employees and effective complaints mechanisms are essential components in advancing financial inclusion.
Our employees receive regular training to treat every customer fairly and equally, preventing any form of discrimination based on age, gender, sexual orientation, ethnicity, nationality, religion, beliefs, cultures, or socio-economic background, and avoiding misconduct. Furthermore, our complaints mechanisms are available through various channels such as branches, contact centers, website, and social media, ensuring accessibility for all.
TMBThanachart is committed to promoting financial inclusion while preventing over-indebtedness among individuals. We believe that access to financial services is a fundamental right that empowers individuals to build a secure future and uplift their financial well-being. Recognizing that access to financial services remains a challenge to various underserved groups in Thailand, the Bank directs the efforts on the following areas:
Financial Literacy
Financial literacy is a cornerstone of sustainable financial inclusion. The Bank provides a wide range of non-financial support focusing on comprehensive education on mindful spending and savings, healthy borrowing, investing for the future, and having sufficient protection. This enables individuals to make informed financial decisions that align with their long-term goals. Through our digital platforms, we aim to equip all individuals, particularly those living in remote areas, with the knowledge and skills necessary to improve their financial well-being according to the Bank’s mission.
Digital Solutions
The Bank leverages technology to enhance accessibility and efficiency in financial services. Our digital solutions not only facilitate convenient access to banking and payment services but also enable secure and transparent transactions. Through mobile banking app and online financial management tools, we strive to bridge the gap between underserved populations and formal financial services.
Inclusive Financial Products and Services
The Bank continues to develop financial products and services based on market survey and customer needs to ensure inclusivity for all groups of customers. Acknowledging that each group of customers is different, we tailor delivery methods to the targeted group’s needs and preferences. In addition, we proactively engage with government agencies, industry association and private sector partners to promote access to financial products and services in Thailand.
Over-indebtedness Prevention
While advocating for financial inclusion, we are vigilant about preventing over-indebtedness. The Bank adheres to responsible lending practices, conducting thorough assessments of borrowers' financial capacity using risk-based pricing approach and offering tailored credit solutions. Through continuous monitoring and personalized financial counseling, we proactively identify and address signs of financial distress to mitigate the risk of over-indebtedness.
Fair Treatment
To ensure fair treatment and sales quality control, the Bank puts emphasis on providing training to all levels of employees who are engaged in delivering financial services to customers. All groups of customers shall receive valuable and sufficient information for decision making with a respectful, non-discrimination and non-disturbing manner. We provide complaint mechanisms that are convenient and accessible for underserved customers, and ensure that the handling of complaints is clear, timely, independent, effective, and fair.
Ultimately, our commitment is to create positive and lasting impact through inclusive financial practices. By promoting financial inclusion and preventing over-indebtedness, we contribute to building a more equitable and prosperous society for all.
The Bank recognizes the importance of financial literacy as a fundamental knowledge that everyone should have. As a bank, it is our role to help raise awareness and educate people on this topic in order to increase people’s capability to manage their finances and ultimately achieve improved financial well-being.
Since 2017, financial literacy has been identified as one of the key components of sustainability at the Bank. Hence, Financial Literacy Program has been initiated to ensure the effectiveness of the Bank’s strategic focus on building a need-based proposition through advisory services in all customer segments. The program focuses on two areas: building internal competency of basic financial knowledge and understanding and contributing to industry-wide on financial literacy covering 4 main target groups namely employees, customers, community and regulators.
The Bank provides a mandatory financial literacy training for new employees, while continuously develops internal trainings to increase our employees’ capability on financial literacy knowledge, attitude, and behavior. Examples of these trainings include e-learning in a format of a short movie with a set of quiz and activities that lead to measurable actions. The Bank believes before the Bank to provide financial services or actively engage with others about financial literacy, our employees must firstly be competent.
The Bank aims to build a strong relationship and strong financial competency for our clients. Appropriate activities and engagement approaches have been developed based on an understanding of the target group, different levels of maturity and the ground rule of no commercial ties with cross-sells during engagement with the related parties.
|
Financial tips publicized on ttb website and ttb social media channels with the concept of being ‘Your Financial Companion’ with an aiming to be accessible to Thai citizens in any areas. Visit fintips at fintips |
|
Financial education program specifically designed for employees of companies that use ttb Payroll Plus, an all-in-one digital platform for compensation and benefits. |
|
Business Advisory Hub for SMEs by providing financial and business consultancy, knowledge, and trends to help SMEs perform better and achieve their goals. |
|
An online tool that helps set targets and provide financial planning together with the provision of financial knowledge based on individual needs. The tool offers suitable financial solutions that enhance the financial well-being of everyone. Currently, four tools are publicly available on ttb website: 1. Tool to identify customers’ financial personalities by associating them with 16 types of athletes. This tool helps customers learn more about themselves in 3 aspects: spending style, saving plan, and readiness to invest and acceptable risks https://www.ttbbank.com/fwbgoalsetting/start-testing 2. Tool for financial well-being goal setting https://www.ttbbank.com/fwbgoalsetting/goal-settings/getting-started 3. Tool to identify suitable insurance products through ttb smart protect https://www.ttbbank.com/th/smartprotect 4. Tool to set targets and investment plans with ttb smart port. https://www.ttbbank.com/tsp/lite-cal |
As ttb’s mission is to improve our customers' lifelong financial well-being, we recognize the critical role of financial inclusion in supporting this goal. We aim to provide financial inclusion for all clients, including underserved groups such as individuals in rural areas, women, people with disabilities, microbusiness owners, and those burdened by household debts and over-indebtedness.
Our focus is on equipping them with the necessary tools and resources to effectively manage their finances and plan for the future. Hence, the Bank is dedicated to continuously expanding financial services through innovative market research and engagement with external parties to develop inclusive products based on client feedback. Guided by our Financial Inclusion Commitment and Financial Well-Being Framework, our products are designed to tailor and personalize financial solutions, addressing the needs of our customers through all stages of life, while also providing non-financial support. The Board of Directors provides strategic guidance and oversees policies and frameworks related to financial inclusion, ensures effective implementation, and maintains the focus on financial inclusion to achieve the Bank’s objectives. The board holds senior management accountable for achieving the targets. The Bank has formed multiple dedicated teams to lead initiatives in key areas such as financial literacy, digital solutions, inclusive financial products and services, prevention of over-indebtedness, and fair treatment.
We have implemented policies and standards to ensure client suitability and affordability, and our products and services are designed to meet customers' needs and lifestyles. Furthermore, the Bank offers debt resolution and restructuring to protect customers from over-indebtedness while promoting good financial behaviors. Moreover, our frontline employees and effective complaints mechanisms are essential components in advancing financial inclusion.
Our employees receive regular training to treat every customer fairly and equally, preventing any form of discrimination based on age, gender, sexual orientation, ethnicity, nationality, religion, beliefs, cultures, or socio-economic background, and avoiding misconduct. Furthermore, our complaints mechanisms are available through various channels such as branches, contact centers, website, and social media, ensuring accessibility for all.
