Resource Utilization
Resource Utilization
A performance indicator has been set to measure the intensity of greenhouse gas emissions. This indicator is calculated as the direct variation of the amount of carbon dioxide equivalent emissions per loan balance (tons of carbon dioxide equivalent per million baht). The target is to reduce the intensity by more than 10% compared to the previous year. For the following year, this intensity indicator will be one of the organization's key performance indicators (KPIs) for both the short and long term.
Fuel Consumption Management
Currently, operations within the company still unavoidably rely on oil energy, coupled with a customer base that expands annually. The increasing number of credits leads to a continuous rise in oil consumption. Nevertheless, we continue to consider the impact of greenhouse gases, the root cause of global warming and climate change. Therefore, measures have been implemented to manage oil consumption
Target
Intensity
decreased by
10%
The usage has
decreased from
the base year
to 2030
42%
Results
3,678,814.66 Liters
Compare to loan
25.67 Liters/MB
GHG emission
^
^
^
8,973.59 tonCO2e
increased 25.76%
(from 2022)
Energy intensity consumption
0.86 GJ/MB
Promoting the policy of using electric vehicles (EVs) in the operations process
Branch employees will be set a ceiling for reimbursing fuel costs based on the appropriateness of their work
Electricity Consumption Management
Electricity is a key factor for business operations. Organizations need electricity for almost every step of their operations. The increase in branches leads to an increase in electricity consumption and operating costs, which also results in more pollution. The company is committed to promoting the use of electricity produced from renewable energy (RE) in its operations. The company has also set measures to manage electricity consumption in the most cost-effective and appropriate way
Target
Intensity
decreased by
10%
The usage has
decreased from
the base year
to 2030
42%
Results
48,694.599.60 kWh
Compare to loan
339.77 kWh/MB
GHG emission
^
^
^
24,342.43 tonCO2e
Increased 15.78%
(from 2022)
Energy intensity consumption
1.22 GJ/MB
Implemented scheduled air conditioning operation with monitoring for efficiency.
Set branch electricity reimbursements based on usage and work nature for energy conservation.
Regular maintenance of air conditioners is required
Water Consumption Management
Water is a fundamental resource that is essential for life and business. Currently, there are problems with floods in some areas and droughts, which affect the ability to develop the economy and improve the quality of life of people in society. In addition, the increase in population has led to an increase in water demand, which has resulted in Thailand facing a continuous water resource crisis. The company has recognized the importance of water resource conservation through campaigns to conserve water use and communicate with all personnel to conserve water resources. The company has also implemented
Target
Intensity
decreased by
10%
The usage has
decreased from
the base year
to 2023
25%
Results
846.94 Megaliters
Compare to loan
5,909 Liters/MB
GHG emission
⌄
⌄
⌄
458.19 tonCO2e
decreased 2.85%
(from 2022)
Encourage employee environmental awareness and efficient resource utilization.
Install water-saving fixtures/appliances, inspect regularly, and promptly repair any damage.
Establish branch-specific water cost ceilings based on usage.
Paper Usage Management
The company's operations still primarily use paper to support the expansion of branches and business growth of over 20%. Of course, the amount of paper usage will increase. However, the company has measures to reduce and control the amount of paper usage to minimize indirect environmental impact.
Target
Intensity
decreased by
10%
The usage has
decreased from
the base year
to 2023
25%
Results
791,538.37 kg
Compare to loan
5.52 kg/MB
GHG emission
⌄
⌄
⌄
528.51 tonCO2e
increased 4.27%
from 2022
Promote double-sided paper and provide single-sided paper collection at HQ.
Develop e-Receipt system in compliance with regulations to adhere to the law.
Choose environmentally friendly paper products
Resource Consumption and Greenhouse Gas Emissions
Fuel consumption 3,678,814.66 Liters
GHG emission 8,973.59 tonCO2e
Compare to loan 62.61 kgCO2e/MB (Increased 6.78%)
Electricity consumption 48,694,599.60 kWh
GHG emission 24,342.43 tonCO2e
Compare to loan 169.85 kgCO2e/MB (Decreased 2.30%)
Water consumption 846.95 Megaliters
GHG emission 458.19 tonCO2e
Compare to loan 3.2 kgCO2e/MB (Decreased 17.95%)
Paper usage amount 791,538.37 kg
GHG emission 528.51 tonCO2e
Compare to loan 3.69 kgCO2e/MB (Decreased 11.90%)
The company's use of various resources and greenhouse gas emissions in the operational process have increased due to business growth through branch expansion and an increasing customer base. However, if the greenhouse gas emissions per outstanding loan balance are compared, the trend is declining. This shows that although the company has grown by more than 30%, overall resource use has not increased accordingly. This is due to the implementation of various measures and the promotion of their implementation in the operational process. There is a clearly responsible agency. Nevertheless, the company remains committed to improving resource management efficiency, including the application of new technologies in the operational process. There is monitoring and development of the environmental reporting framework to keep pace with global changes. The ultimate goal, both in the short and long term, is to minimize environmental impacts.
Waste Management
Most of the wastewater generated from the operations (headquarters) comes from toilets, urinals, and handwashing basins. The wastewater management involves a Combined Biological Treatment System, which is more efficient than conventional activated sludge systems. This ensures that the treated water meets the quality standards mandated by law before being discharged into public water bodies. Some of the treated wastewater is reserved for watering plants and firefighting purposes.
“In 2023, the company aimed to reduce cardboard/vinyl label waste by 5%.”
Garbage is sorted by color of bin as general waste, infectious waste, hazardous waste, electronic waste (ink cartridges, damaged electronic devices that can be sold and recycled 100%) and waste that can be recycled. The municipality will be responsible for disposing of the waste properly. Waste measures are clearly defined in writing at every work level to reinforce and instill a sense of responsibility for waste management among personnel. Currently, it is in the process of developing a system for collecting, tracking, and disposing of waste properly. Some types of waste can be added value, with the goal of starting a pilot operation in the head office.
Consideration of the impact on biodiversity
The headquarters and branches are not located in areas that are at risk of impacting biodiversity. The number of impacts on animals on the IUCN Red List is zero. The process of selecting branch locations has a policy of selecting areas that take into account areas that may pose a risk to biodiversity or impact animals listed as threatened or endangered species.
In addition to the fact that past business activities have had no impact on biodiversity, we are also looking at protecting, restoring, and developing the surrounding areas of the branch offices and the headquarters. This is done by promoting activities that promote, such as planting forests with rare plant species in those areas. The goal is to maintain abundance, enhance biodiversity, and protect ecosystems.
