Message from Chairman

Srisawad Corporation Public Company Limited is committed to conducting its business under the core principle: “Srisawad – Ngern Sod Tanjai, Reliable, Accurate, Transparent and Compliant, Growing Together with Thai People.”The Company serves as an important mechanism in supporting the economy and improving the quality of life of the public. It continuously develops financial products and services to meet the needs of all customer segments, while driving its business in a balanced manner across environmental, social, and governance (ESG) dimensions. This is achieved by promoting inclusive, equitable, and transparent access to financial services through its nationwide branch network, strengthening financial stability for the public in a sustainable manner. At the same time, the Company continues to develop financial technology and innovation to ensure that customers can conveniently, quickly, and efficiently access its services, under ethical and socially responsible business practices.

In 2025, the Thai economy continued to face challenges from global economic volatility, fluctuating interest rates, and gradually recovering consumer purchasing power. At the same time, geopolitical and global economic risks remained key factors that could have both positive and negative impacts on the country’s economy. Amid such uncertainty, the Company placed strong emphasis on risk management and strict credit quality control to maintain a balance between risk and return, with a focus on quality. It also managed costs efficiently through operational improvements and investments in digital technology and innovation. As a result, in 2025, the Company and its subsidiaries (as of December 31, 2025) reported a net profit of 5,271 million baht, with interest income of 16,459 million baht, other income of 1,504 million baht, and insurance brokerage income of 1,332 million baht, totaling 19,295 million baht in revenue. For the overall loan portfolio, the Company continues to prioritize credit quality, resulting in portfolio growth, particularly in title loan products in line with targets, and successfully maintaining increased profitability compared to the previous year. This demonstrates the Company’s strong ability to effectively navigate challenges in the microfinance industry.

SAWAD conducts its business with a focus on delivering sustainable value to all stakeholders, placing continuous importance on responsible and fair lending to closely support all customer segments. The Company also contributes to alleviating household debt burdens, which is a structural issue affecting the quality of life of the public and the Thai economy. In 2025, the Company implemented relief measures for customers affected by flooding in southern Thailand by offering a “4-month principal payment holiday” for all loan types, as well as facilitating insurance claims for affected customers. In addition, the Company continued to support the Bank of Thailand’s debt restructuring program to assist customers who had not previously undergone debt restructuring, thereby sustainably reducing their financial burden. These initiatives collectively serve as key pillars supporting long-term economic strength.

Through the dedication of the Board of Directors, management, and employees, the Company achieved significant milestones. Fitch Ratings (Thailand) affirmed SAWAD’s national long-term credit rating at ‘A-(tha)’ with a “Stable Outlook,” reflecting strong financial stability and a solid business structure. The Company was also recognized with a 5-star “Excellent” Corporate Governance (CG Scoring) rating, certified as a member of the Thai Private Sector Collective Action Against Corruption (CAC), and selected as a SET ESG Ratings company at the AA level. In addition, the Company received three prestigious national sustainability awards, reflecting the Board’s strong commitment to ESG excellence.