In 2025, a research team from the Fair Finance Thailand project (Fair Finance Thailand Coalition, website www.fairfinancethailand.org, “the Coalition”) assessed various policy aspects of 11 Thai financial institutions, comprising the eight largest commercial banks in Thailand and three state-owned specialized financial institutions, based on publicly disclosed information. This marked the eighth year that the Fair Finance Guide International standards (Fair Finance International Coalition guidelines, website www.fairfinanceguide.org ) have been applied in Thailand, according to the Fair Finance Guide International 2025 criteria. The assessment used publicly disclosed data from the banks as of September 2025, along with additional publicly disclosed information during the consultation period between the research team and each bank between September and October 2025.

An assessment of the policies of 11 Thai banks, based on the Fair Finance Guide International’s 13 categories for 2025, using publicly available data as of October 31, 2025, shows that the banks’ average scores increased from 28.36% in 2024 to 28.84% in 2025. The rankings and scores of the 11 banks are summarized as follows:

The reason for the increase in the average scores of all 11 banks is that most banks consulted with the research team and attempted to improve their policies to align with the evaluation criteria. The 2025 annual bank policy evaluation uses the Fair Finance Guide International 2025 (FFGI 2025) criteria, which has been updated in several categories from the 2023 version. Examples of changes include the adoption of automatic scoring for banks that have declared acceptance of international principles or standards, such as the Women’s Empowerment Principles (WEPs), as well as improvements to the scoring methodology in several areas.

Read the policy assessment here.