The Bank’s guidelines for creditors: The Bank shall operate business based on its full potential and capability to build creditors’ confidence in the Bank’s good financial status and debt service capacity to ensure that financial status of the Bank is stable and strong as well as good liquidity management to be in order payment debts to creditors timely. Policy for Competitors The Bank has code of conduct and policy to conduct business based on fair and free competition with honesty and integrity as well as fairness for services providing to the customers and rejection of corruption in all its forms, and not to damage, sabotage, destroy or restrict the business of the competitors. The Bank’s guidelines for competitors: The Bank shall offer the products and services which suit for the customer’s needs based on the fair treatment, the customers also freely select their satisfied product and services. The Bank shall not engage in any dishonest or inappropriate action in order to obtain the competitors’ confidential information and shall refrain from attacking the competitors’ reputation with false allegations. Policy for Investors The Bank shall disclose correct, complete and sufficient information for investors’ decision in a timely and appropriate manner. The Bank’s guidelines for investors: See more details in “Disclosure and Transparency”. Policy for Government Agencies The Bank has policy to conduct its business to ensure strict compliance with the laws, rules and regulations and relevant regulatory requirements, in addition the employee would be communicated on such regulations for their strict implementation, the Bank also provide good cooperation to the regulators such as to comply with Thai law the national anti-corruption law, etc. Policy on Social and Environmental Responsibility The Bank operates its business as well as encourage the employee’s awareness based on Corporate Social Responsibility (CSR) principles, supporting various activities and managing for efficiency of the energy consumption to promote sustainable quality development of the society and environment. Policy on Compliance with International Human Rights Principle The Bank places importance on equality of all stakeholders and shall not commit any conduct that violates human rights, including discrimination on grounds of the difference in origin, race, language, age, education, institution, gender, disability, physical or health condition, personal status, economic or social standing. These practical policies have been specified in the Code of Conduct of the Bank. The Bank determines hiring of any persons based on fair employment and respect human rights by considering from a person’s TMBThanachart Bank Public Company Limited 170
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