Sustainability

Sustainable Rural
Development Bank

BAAC is committed to becoming a rural development bank by expanding inclusive access to finance alongside
financial literacy initiatives. Through its environmental, social, and governance practices,
BAAC strengthens grassroots economies and helps reduce social inequality in a sustainable manner.

Five Aspects of BAAC
Sustainability Policy

Strategic
Integration

Sustainable
Products
and Services

Governance and
Organizational Management

Transparency
and Sustainability
Disclosure

Performance Monitoring
and Evaluation

Global Alignment
through the UN SDGs

BAAC advances sustainable development in alignment with the
United Nations Sustainable Development Goals (UN SDGs)
through financial services and capacity-building initiatives
for farmers. These efforts strengthen the nation’s economic,
social, and environmental resilience, with a focus on the following priorities:

No Poverty
Decent Work and Economic Growth
Reduced Inequalities
Climate Action
Partnerships for the Goals

A Sustainability
Framework for
Long-Term Impact

The integration of the three dimensions of sustainability—Environment,
Social, and Governance (ESG)—into BAAC’s operational framework
along with the bank’s business chain, aiming to mitigate risks associated with its activities.

Through its corporate sustainability strategy, the Bank applies sustainability principles to the financial sector by offering financial products and services tailored to different customer segments, as well as through its operations and activities, generating positive value and outcomes for both the Bank and stakeholders.

Business activities are conducted based on the needs and expectations of stakeholders and are systematically managed within a framework that considers three key aspects: profitability, growth, and capital management. These are integrated with sustainability development principles to establish corporate sustainability indicators aligned with the Bank’s vision and mission.

Core Sustainability Dimensions

Environment

Social

Governance

Performance Highlights

Greenhouse gas
emissions reduced4,653.43tCO₂e

Support for community-based eco-friendly products300Mbaht

Cumulative
customers' debt relief320,048customers

Customer satisfaction score4.8out of 5

Employee satisfaction rate98.37percent

Training hours per employee53hour / person / year

Recognition for

Sustainability Excellence

Asia Responsible Enterprise
Awards (AREA) 2025

Corporate Governance Award

Recognizing strong commitment to good
corporate governance, transparency, and ethical
management through the project “Strengthening
Resilience for Sustainable Rural Development.”

Social Empowerment Award

Honoring dedication to community
empowerment and environmental stewardship
through active community participation in the
project “BAAC Carbon Credit: Where Air Becomes Wealth.”