Thanachart Capital, MBK, and Ratchthani Leasing recognize the immense value of human resources as the vital driving force behind their respective organizations. Understanding that employee debts directly impact quality of life, they have partnered with ttb to implement the ‘Debt Clearance Coach’ program. This initiative aims to improve employees' financial well-being, driving tangible behavioral change and laying a foundation for long-term financial security, ultimately enabling all employees to live happily and grow sustainably in tandem with the organizations.
Mr. Perapart Meksingvee, CEO of Thanachart Capital Public Company Limited, said, “Thanachart Group prioritizes caring for our employees' quality of life, as they are the driving force behind the organization. We believe that employee well-being extends beyond the work environment or standard welfare benefits to include an improved financial life, or overall financial well-being, which forms the crucial foundation for a good quality of life.”
“Amid Thailand’s challenging economic environment, some employees face an increasing burden of expenses and financial pressure, directly impacting their happiness and quality of life. As a result, we have implemented ttb's 'Debt Clearance Coach' program to provide our employees with access to knowledge, tools, and guidance from experts who have extensive experience in continuously promoting financial health and debt management for Thai people. This is intended to help employees effectively cope with financial challenges. This collaboration reflects our shared commitment to creating a workplace culture that prioritizes employees-aiming not only to alleviate debt burdens in the short term, but also to lay a foundation for their long-term financial stability so that everyone can live happily and grow sustainably in tandem with the organization," said Mr. Perapart Meksingvee.
Mr. Wichak Praditavanij, CEO and President of MBK Public Company Limited, said, “MBK stands ready to sustainably elevate the financial well-being of its employees. We believe that our employees are our most valuable asset. Organizational growth must begin with employees having a good quality of life, particularly financial security, which directly impacts their happiness and work efficiency. Therefore, this collaboration serves a tangible expression of care through financial health checks, financial management courses, and referring problematic cases into a sustainable debt resolution process, in order to jointly build a 'debt-free MBK society' and truly guide employees toward a better financial life.”
“MBK sincerely hopes that this collaboration will help our employees break the cycle of debt, enabling them to reduce their debt burdens, ease their anxieties, and bring back their bright smiles, ready to grow sustainably in tandem with the organization. We will push forward and fully support our employees in participating in this program to achieve our shared goal of building a debt-free MBK society and truly transitioning toward a better financial life,” said Mr. Wichak Praditavanij.
“In addition, Mr. Kovit Rongwattanasophon, Managing Director of Ratchthani Leasing Public Company Limited, said, “The 'Debt Clearance Coach' program is highly beneficial because it provides employees with an opportunity to systematically review and understand their own financial status. As a company operating in the financial sector, Ratchthani Leasing views good financial discipline as highly crucial for all employees. This applies not only to their personal lives but also reflects their overall understanding and responsibility regarding financial matters. As a result, this program serves as an excellent opportunity to help employees strengthen their financial knowledge, understanding, and discipline.”
Meanwhile, Mr. Thakorn Piyapan, President of ttb, said, “ttb stands ready to continuously support borrowers across all segments, particularly salary earners whose debt problems remain a major obstacle to their quality of life and work performance. Debt clearance must begin with knowledge, understanding, and utilizing the right tools. This led to the inception of the 'Debt Clearance Coach' program, which ttb developed and launched for its own employees in 2023, with the goal of resolving debt issues effectively and sustainably. This initiative reflects the bank's confidence that building a solid financial foundation for employees is a vital starting point for extending financial stability to customers and society as a whole. The bank has prioritized raising financial health awareness and empowering salaried employees to manage their debt efficiently. Furthermore, ttb believes that a good financial life begins with understanding and encouragement that are continuously extended. Therefore, the 'Debt Clearance Coach' program is not only about providing financial education, but also about standing side-by-side with our employees.”
The 'Debt Clearance Coach' program is designed to empower salaried employees in debt management through the following three core activities:
- Financial Health Appraisal: Providing employees with an opportunity to appraise their personal financial status and receive initial recommendations that can be applied immediately.
- Comprehensive Financial Literacy: Offering both online and offline learning opportunities through courses tailored to each individual's financial health level.
- 'Debt Clearance Coach' Service: Assisting employees in planning and managing their debt properly and sustainably to break the cycle of debt through complimentary, one-on-one coaching sessions.
Building on the program's success with ttb employees, the initiative has now been extended to the broader business sector and other salary earner groups. To date, more than 560 ttb employees have received counseling and debt clearance guidelines, while 110 volunteer 'Debt Clearance Coaches' have been trained and certified through a curriculum developed by ttb in collaboration with Certified Financial Planners with direct experience in supporting salary earners. Furthermore, more than 144,000 individuals have undergone financial health appraisals, and thousands more have pursued financial education through online courses. In 2026, ttb plans to expand the 'Debt Clearance Coach' program to its payroll account customers by partnering with like-minded corporate allies that meet the bank's criteria. Led by Thanachart Capital, MBK, and Ratchthani Leasing, this expansion aims to reinforce the bank's role in building a 'financial ecosystem' that empowers Thai people to manage their debt sustainably over the long term.