Following its "Digital Bank with a Human Touch" strategy, SCB is committed to becoming a universal digital bank that provides comprehensive financial services, ranking as the top in wealth management. It aims to deliver a seamless service experience across all channels by integrating advanced digital technology with attentive service in every detail. The bank offers a full range of solutions for both personal and business finance, quickly and accurately meeting customer needs through the use of data and artificial intelligence (AI) to analyze and offer appropriate solutions. The bank continues to prioritize the development of stable and secure digital platforms, in-depth expert consultations, and the creation of a comprehensive financial ecosystem to meet the needs of customers at every stage of life, driving sustainable growth in the digital era.

In 2025, SCB will focus on strengthening its business in three key areas:

1. Value Driven Customer Strategy with Credit Efficiency Focus: Providing personalized financial solutions that meet the needs and risk appetite of target customers, ensuring the bank can efficiently respond to customer demands while maintaining credit quality and managing lending costs effectively.
2. Productivity Optimization: Enhancing operational efficiency to control the cost-to-income ratio and elevate the bank's long-term competitiveness, both in terms of personnel and IT capabilities.
3. AI-First Bank: Becoming an AI-first bank, driven primarily by AI, with investments to lay the foundation for integrating AI technology across all functions. This aims to increase satisfaction among customers and employees and create new revenue opportunities.