Goal: Create Sustainable Returns.
Commitment: The Company is committed to create sustainable returns by operating under good corporate governance and risk management of international standards. Moreover, the Company is responsible to all stakeholders.

Economic Aspect comprises 6 main policies as follows:

1. Business Operations Defined by Good Corporate Governance Practices
The Company is committed to running the business with corporate governance in accordance with business ethics and good corporate governance practices. A structure that promotes the balance of authorities in management (Checks and Balances) is developed to ensure transparency and corruption-free operations. In addition, policies and procedures for good corporate governance are developed to ensure that the Company has operated the business complying with the international standards and laws as well as regulations and orders of the relevant regulators. The Company is well aware that business operations in accordance with the good corporate governance is an important mechanism for long-term sustainable growth, and to create trust for all stakeholders.

This policy addresses the UN Sustainable Development Goals (SDGs) Goal 16 Peace Justice and Strong Institutions.

2. Adherence to Customer Centricity by Initiating Product and Service Innovations to Meet Every Aspect of Customers’ Needs
The Company has innovated life insurance, investment-linked insurance, and health insurance products that respond to changing consumer expectations and behaviors in order to be able to meet the needs of all segments. Moreover, the product innovation will help the Company have better competitive advantages which bring about more business opportunities and long-term business growth. However, this must be done under the suitable risk management by considering the Company’s contractual obligations to the insureds.

This policy addresses the UN Sustainable Development Goals (SDGs), comprises Goal 8 Decent Work and Economic Growth, Goal 9 Industry, Innovation and Infrastructure, and Goal 10 Reduced Inequalities.

3. Sustainable Investment Focusing on ESG Issues
The Company has investment policy and procedure that takes ESG into account and sets business types that MTL will not invest in which have main incomes or operations from generating negative impact on economy, society, and environment (exclusion list). Additionally, the Company allocates investments in Thai and foreign instruments which support ESG.

This policy addresses the UN Sustainable Development Goals (SDGs), comprises Goal 9 Industry, Innovation and Infrastructure and Goal 16 Peace Justice and Strong Institutions.

4. Efficient Risk Management Focusing on ESG Issues
The Company sets enterprise risk management guideline by integrating ESG risk management and organizational risk management in order to comply with international standards and practices to ensure stable and sustainable growth of the operation. This policy addresses the UN Sustainable Development Goals (SDGs) Goal 16 Peace Justice and Strong Institutions.

5. Market Conduct
The Company is aware of importance to providing fair customer service by taking customers’ interests into account, from product design process, presales process, sales offering process, until after-sales process.

This policy addresses the UN Sustainable Development Goals (SDGs), comprises Goal 9 Industry, Innovation and Infrastructure and Goal 16 Peace Justice and Strong Institutions.

6. Cyber Security and Personal Data Protection
The Company controls, audits, and continuously increases cyber security and personal data protection awareness to executives and employees by setting Personal Data Protection Policy to maintain data security of customers and related parties to stabilize the Company's IT system.

This policy addresses the UN Sustainable Development Goals (SDGs), comprises Goal 9 Industry, Innovation and Infrastructure and Goal 16 Peace Justice and Strong Institutions.