Social policy and guidelines

The Company and its subsidiaries operate business with responsibility for social and all stakeholders inside and outside. The Company adheres to the principles of ethical business operations along with taking care of society and community to grow together in a sustainable way.

Fair and appropriate treatment of employees
  • Recruit and select employees with an efficient and fair selection system and strictly comply with labor laws
  • Provide fair compensation to employees determined in accordance with the Company's performance and appropriate welfare.
  • Support the development of knowledge, abilities and skills of employees
  • Support career growth
  • Enhance a good working environment including health, safety and occupational health in the workplace.
Treat customers and business partners with honesty
Treatment of customers
  • Commit to service customers for maximum benefit and satisfaction at a fair rate and maintain a good relationship in the long term.
  • Provide accurate, complete and clear information to customers as well as fair contracts and conditions for both parties.
  • Store customer information systematically, securely and do not misuse customer information.
  • Establish a department responsible for giving advice to customers, solving problems and receiving complaints from customers via easily accessible channels.
Treatment of business partners
  • Comply with the terms of contracts which are fair and transparent.
  • Visit partners regularly to listen to opinions, suggestions in order to improve the Company's system and business operations.
  • Not accept property or any benefits from partners
Responsible treatment of creditors
  • Comply with the agreement
  • Repayment of debts on time
Operate business with social responsibility and ethics along with taking care of society and community.
  • Support and carry out activities for the public, community and society.
Strictly comply with the regulations of related regulators.
  • Business operations laws, regulations, rules and under relevant announcements all party which, government, the private sector and Including all agencies with strictly.
Social operating results

The Company has a policy and fair treatment guidelines for employees covering 5 issues as follows:
Issue 1
Fair employment/termination

The Company has a fair employment policy by specifying a step-by-step procedure starting from requesting, preliminary selection, interview and final selection. The most qualified applicant will be selected for a job opening. The Company selects employees based on knowledge and ability fairly without discrimination on gender, race and religion.

In 2025, the Company has total number of employees 824 persons, divided into male employees 382 persons and female employees 442 persons

The Company’s unemployment are specified completely, clearly and fairly. In this regard, human rights have been thoroughly considered and respected. In the event that unemployment, The supervisor must to request unemployment letter form the Human Resources Department and make for approval and then will has informed employees to proceed in accordance with the rules of company.

In 2025, the Company has not layout employees.
Issue 2
Remuneration and welfare of employees

The Company has a policy to pay fair compensation to employees by setting up an appropriate salary structure. The salary structure is reviewed from time to time according to the changes in the consumer index, economic change or other factors to be able to retain talented employees. The Company also has a policy to pay remuneration to employees at a competitive rate compared to the market in the same type of business.

Determining employee wages is based on factors including position, responsibilities, education, experience, and language and other proficiency that are beneficial to that job or position.

The company provides additional welfare to employees, including medical expenses for both in-patients and out-patients, accident insurance, uniform for female employees, Influenza vaccination, and annual health checking.

In 2025, the Company paid total employee compensation totaling approximately Baht 671.30 million. The proportion of compensation paid to female employees accounted for 46 percent, while male employees accounted for 54 percent. In addition, 86 percent of the Company’s total employees participated in the provident fund.
Issue 3
Employee Development

The Company and its subsidiaries had focus on employee development to increase knowledge performance and quality of service. The Company and its subsidiaries have policy to encourage employees to develop knowledge, competency and skills as well as a good attitude by proving both internal training and external training. The HR department is responsible for evaluating training, setting an annual training plan, and evaluating and monitoring the achievement of the training courses.

In addition, the Company encourages directors to attend seminars in relevant and appropriate courses to develop knowledge continuously and lead the company to success.

There are 2 methods for employee development:

  1. development program provided by the Company that the Company or supervisors play an important role in the development by setting appropriate training programs to employees
  2. self-development that the employees play an important role for development plan to achieve company goals and/or career advancement plans for themselves.

The Company and its subsidiaries set strategies to develop knowledge and skills of employees in line with the organization's strategy for both executive level, which focuses on the skills of management and psychology and the operational level, which focuses on the skills and knowledges for employees to learn and practice under the guidance of experienced professionals. The Company and its subsidiaries have provided training within the Company by inviting knowledgeable speakers from internal and external institutions.

In 2025, the Company and its subsidiaries have provided training both internal training and external institutions to managements and employees totaling 71 times comprised of 44 times internal training covered the content to support the work of the Company, and skills relating to the Company business, 27 times external training.
The Company and its subsidiaries have employee development expenses THB 0.05 million and The average hour of training was 10.10 hours/ person/ year.
Issue 4
Take care of employees for quality of life and health, safety and occupational health in the workplace

The Company and its subsidiaries have a policy of health, safety and occupational health in the workplace by setting safety as the first priority for everyone. The Company and its subsidiaries have a campaign on safety at work constantly regarding workplace safety and sanitation policy.

In 2025, The Company and its subsidiaries have no accidents arising from working and death from work-related injuries. the Company recorded sick leave equal to 2.12 percent of the total employees of the Company and its subsidiaries.

The Company has organized the annual health check for the welfare of manpower to keep all healthy. This project, the Company held annually and operated continuously for more than 20 years.

The company prioritizes employee health and well-being while actively supporting employment opportunities for persons with disabilities. In 2025, the company launched a weekly “Neck, Back, and Shoulder Massage program”, provided by visually impaired therapists. Held every Friday, each session lasts 20 minutes, with employees eligible to register for up to two sessions per month. Throughout 2024, the program recorded a total participation of 3,893 attendance.

The Company places importance on promoting health awareness among employees. It publishes HR News: “Health Awareness” to provide knowledge on healthcare and proper nutrition. In addition, the Company supports initiatives that encourage employees to engage in regular exercise.

The Company in conjunction with the office juristic person organize the annual fire drill and fire evacuation training every year. During the fire drills, the building department will turn on the warning signal and the employees will escape from the building by using the fire escape to the assembly point.

Issue 5
Employee gathering for benefit negotiation

The company and its subsidiaries have established a welfare committee of 10 people by election of employees to be representative in discussions with the company to provide welfare to employees as well as consulting discussing and recommending opinions to the company on welfare arrangements for employees, inspecting, controlling, overseeing the welfare arrangements that the company provides to employees.

The Company has established the Whistle Blowing Policy as a channel for directors, executives, employees and all stakeholders to be able to file a complaint or to report cases of corruption or fraud in significant matter such as the illegal act, act against the rules or the Company's policies, or against business ethics, to help improve or perform action with accuracy, adequacy, transparency, and fairness. The whistleblower’s information and reporting subject will be kept confidentially in order to prevent the infringement.

In 2025, the Company has not received any complaints

Plan to increase employee satisfaction and engagement

The company gives priority to employee retention. The company has created a project to create employee satisfaction and engagement, such as job rotation in order to develop employees to be able to learn new jobs and have more skills and knowledge and career advancement plan. It also gives employees the opportunity to move internally on a voluntary basis so that employees can work and have the opportunity to grow in the field of interest as well as satisfy and retain knowledgeable employees to work with the Company.

In addition, the company has projects to increase employee satisfaction and maintain employee engagement, such as awarding gold medals for employees who have completed 15 years, 20 years, 25 years and 35 years of service, organizing sports competitions to enhance good relations between employees, etc.

Employee turnover rate

In 2025, the Company and its subsidiaries had the employee resigned total of 119 persons or 14.44 percent of the total number of employees and the turnover rate of 13.69 percent.

Employee satisfaction or engagement

The company and it subsidiaries have a satisfaction survey of employees one time per year. By creating a questionnaire and invited employees to answer the survey for development planning and improvement the company including with supported employee development. And then, publish the result to email employee.

In 2025, The number of employees participating in the questionnaire as a 70 percent of the total number of employees and the results of the survey showed that 78 percent of employee satisfaction scores (in 2024 = 82 percent ) were at a very good level.
Retention of customers’ confidential information

The Company realizes and gives importance to the protection of customer's personal information. The Company has a policy to maintain customer confidentiality in accordance with the Personal Data Protection Act. Details are disclosed on the company's website (www.ask.co.th)

Development of service based on customers’ safety and health.

The company gives priority to provide services to customers with safety as the first priority. The company arranges suitable areas for customers to receive services with proper cleanliness and hygiene, especially during the outbreak of COVID-19, the Company has taken care of safety service both in terms of spacing, cleaning and disinfection as well as providing of alcohol for customers attending the service.

In 2025, there was no accident or the impact on the health of customers who have received service.
Customer relationship management

The Company gives importance to maintaining relationships with customers. The marketing department has developed a customer relationship management plan, including continuous evaluation of customer satisfaction of service. The company has evaluated customers satisfaction of service by marketing officers after signing contract and used the results to improve service. The Company has set target of customer satisfaction not less than that 80 percent.

In addition, the Company has established policies and guidelines for providing accurate and complete information of products and services, including setting up a channel to contact or complain about service and communication via the Company's Line Official.

Promoting innovation to improve product and service

The company has policies and guidelines to promote Company innovation related to technology development for products and/or services. The Company gives importance on the use of innovation in operations by encouraging creativity and driving innovation into every process to improve work efficiency and to create competitive abilities and meet the needs of customers and stakeholders to move towards a sustainable organization.

Responsible Lending

The company has policies Responsible Lending to establish a standard for operational control that comply with the Bank of Thailand's regulations on responsible lending, and to enhance communication to relevant departments to have knowledge and understanding of the principles of responsible lending.

In addition, to encourage the implementation of sustainability principles, the company has integrated environmental, social, and governance (ESG) factors into its loan consideration process.

Treatment of creditors

The company has a policy to treat creditors with transparency and fairness and strictly follow the terms of contract.

Treatment of competitors

The company has a policy to treat competitors with responsibility, and under fair competition. The Company will not seek competitors' confidential information and not use competitor information to create a competitive advantage. The company sets a goal to treat competitors strictly according to the policy without exception.

In 2025, the company has fully complied with the guidelines and no disputes with competitors occurred.
Supporting disable people and other underprivileged groups

The company prioritizes the promotion and improvement of the quality of life for persons with disabilities and other underprivileged groups. The Company strictly complies with the Empowerment and Development of the Life of Persons with Disabilities Act B.E. 2550 (2007).

In 2025, the Company and its subsidiaries employed 9 persons with disabilities, representing 1.1 percent of the total number of employees, which is in compliance with the requirements prescribed by law.
Scholarship support

The company realizes the importance of education and youth development, which will be the main force in driving the country in the future. However, the shortage of funds is a major obstacle that makes students not be able concentrate on studying. Therefore, the Company has set up a scholarship program for undergraduate students from 2016 onwards. The Company provides scholarship for tuition expenses for 4th year students with good school results but lack of fund.

In this regard, in 2025, the Company has given scholarship to at the university students for 22 scholarships amounted THB 20,000 - 35,000, totaling THB 635,000.
Social support activity

The company has implemented social support projects in order to be a part that makes better society, in the year 2025, the Company has carried out activities to help society as follows;

  • Donate Funds to Police Hospital, Thai Red Cross Society to purchase medical equipment.
  • Donate blood to help patients at The Thai Red Cross Society.
  • Donate money to Academic Excellence Scholarship
    • Faculty Business Administration, Rajamagala University Of Technology Krungthep for 4 scholarships totaling amounted THB 80,000
    • Faculty of Business, Economics and Communications, Naresuan University for 3 scholarships totaling amounted THB 90,000
    • Faculty of Business Administration and Accountancy, Khon Kaen University for 3 scholarships totaling amounted THB 90,000
    • Faculty Business Administration, Chiang Mai University for 3 scholarships totaling amounted THB 90,000
    • Faculty of Management Science, Ubon Ratchathani University for 3 scholarships totaling amounted THB 105,000
    • Faculty of Management Sciences, Prince of Songkla University for 3 scholarships totaling amounted THB 90,000
    • Faculty Business Administration, Burapha University for 3 scholarships totaling amounted THB 90,000
  • The Group supports and empowers underprivileged children through CSR activities by providing educational opportunities, donations, and essential consumer goods to children under the care of Thung Maha Mek School for the Deaf and Ban Maha Mek Boys’ Home.
  • The management team and employees volunteer jointly organized the “From Hand to Heart: Sewn by Hand, Sent with Love – Fighting Breast Cancer” activity for the third consecutive year.
  • The Group continues to carry out ESG initiatives to create benefits for environmental and community sustainability through activities such as a beach clean-up and waste collection campaign at Bangsaen Beach, Chonburi Province

The Company has established a Compliance Department to responsible for planning, managing, executing, reviewing and improving the compliance system. Including provide appropriate consultation as to laws, and regulations and effective coordination and communication with regulations of government regulators such as The Office of the Securities and Exchange Commission including a Data Governance Office to promote and support the efficient and accurate data management that consistent with the regulations and laws as part of good corporate governance.

Details of the Company's policies and guidelines are shown in the Sustainability Report, published on the company's website (www.ask.co.th) in “Investor Relations” section.