EXIM Thailand has been a key force in driving Thailand’s economic, social, and community development across all sectors, facilitating sustainable growth for a better future for all. This commitment is deeply rooted in environmental, social, and governance (ESG) principles. The bank has set a bold target to increase ESG loans to 50% of total outstanding loans by 2027.

During the recently concluded International Finance Awards, EXIM Thailand was named the “Best Corporate Governance – Banking – Thailand 2025,” in recognition of its strong governance framework, transparency, and commitment to ethical banking practices.

“As the first state-owned specialised financial institution to achieve ISO 14064-1:2018 certification, our bank has enhanced its greenhouse gas emissions reporting and management in alignment with international standards. This milestone reaffirms our dedication to steering the Thai economy toward a low-carbon society and achieving carbon neutrality, while supporting the United Nations Sustainable Development Goals (SDGs),” EXIM Thailand President Charat Rattanaboonniti told International Finance.

EXIM Lays Out Roadmap For 2026

EXIM Thailand President Charat Rattanaboonniti has been in the news, as he laid out EXIM Thailand’s policy directions and strategic positioning, on the occasion of the bank marking its 32nd anniversary and 33rd year of business operations. Noting the global economy’s struggles against risk factors like trade war and escalating, prolonged geopolitical tension, which have disrupted supply chains, trade, and investment, the EXIM President said that major economies are showing signs of a slowdown, while the Thai baht is undergoing high volatility due to external factors, increasing risks to export revenues and costs.

“Energy and logistics costs also remain elevated. At the same time, global trade rules are evolving rapidly and becoming increasingly complex, particularly with the rise of non-tariff barriers, environmental standards, and sustainability requirements, which are now critical conditions for access to global markets. Climate change has further escalated business risks, as reflected in the severe flooding in southern Thailand in 2025, adding to uncertainties for Thai enterprises,” he added.

Thai entrepreneurs, especially SMEs, are facing structural challenges, including limited access to capital and liquidity, insufficient market information and knowledge, constraints in expanding trade networks, and difficulties in managing risks related to exchange rates, buyer countries, and overseas buyers themselves. Since these factors are directly undermining the competitiveness and growth potential of these ventures in global markets, EXIM Thailand has extended its helping hand by repositioning itself as an “Export Co-pilot,” providing end-to-end support grounded in a deep understanding of export trends, risk management, and the practical needs of exporters. This support spans advisory services, knowledge enhancement, liquidity provision, and comprehensive risk management tools at every stage of business operations.

“In 2026, EXIM Thailand will further advance its Export Co-pilot role through concrete actions by enhancing its suite of total solutions for Thai exporters, particularly SMEs, to help them navigate global volatility and overcome domestic structural constraints. The Bank emphasises strengthening risk protection through loan packages bundled with export credit insurance facilities and foreign exchange risk management instruments to enhance liquidity and competitiveness. In parallel, EXIM Thailand is revamping its work processes through innovation and digital transformation to enable data-driven decision-making, strengthen cybersecurity, and manage risks in a holistic manner. These efforts are implemented under the S-M-A-R-T strategy, comprising SME Export Grooming to elevate Thai entrepreneurs to international standards, Market Expansion to unlock global trade opportunities, Advocacy and Sustainability to promote awareness and sustainable growth, Revamp Digital Systems to enhance digital capabilities and innovation supporting business expansion, and Teamwork Spirits to foster the EXIM One Team culture that drives Thai businesses, EXIM Thailand itself, the country, and the world toward sustainability,” Charat Rattanaboonniti said.

Another focus area for EXIM Thailand in 2026 will be placing strong emphasis on non-financial support through capacity-building workshops and development programmes, which will enable Thai exporters adapt to global changes and comply with new international trade requirements.

These efforts are reinforced through collaboration with public and private sector partners, including the Department of International Trade Promotion, Department of Foreign Trade, Board of Investment, Federation of Thai Industries, Board of Trade of Thailand, and Thai National Shippers’ Council. The objective is to empower Thai producers and exporters across the supply chain to grow sustainably, with readiness in financing, market intelligence, production processes, and ESG-oriented business practices aligned with demand for high-value and environmentally friendly products in emerging markets.

Capping Off A Fruitful 2025

For its 2025 operating results in enhancing liquidity, stimulating exports, and opening new markets, EXIM Thailand recorded new loan approvals of 54,346 million baht to strengthen liquidity and support the continuity of Thai businesses amid global volatility and intense competition.

The Bank also promoted risk diversification by expanding into new frontier markets to reduce reliance on traditional markets. Loan approvals in CLMV countries (Cambodia, Lao PDR, Myanmar, and Vietnam) and other new markets, on the other hand, totalled 9,125 million baht. As a result, total outstanding loans and commitments reached 191,800 million baht as of the 2025-end, while export credit insurance and investment insurance recorded 194,564 million baht in insurance business turnover.

In terms of asset quality management, EXIM Thailand has prioritised proactive risk management to maintain a healthy loan portfolio through the “Khun Soo, EXIM Chuay (You Fight, EXIM Helps)” measures, enabling borrowers affected by economic conditions to rehabilitate their businesses and effectively reduce debt burdens. The Bank’s non-performing loan (NPL) ratio stood at 3.66% as of the end of 2025, broadly unchanged from the previous year despite uncertainties facing the business sector. An allowance for expected credit loss was set aside at 17,139 million baht, resulting in a high NPL coverage ratio of 261.85%. Net profit for 2025 totalled 1,904 million baht.

“In promoting investment for the future, EXIM Thailand is committed to advancing Thai industries toward high-tech manufacturing and the green economy. As of the end of 2025, the Bank recorded 91,650 million baht in outstanding loans and commitments supporting sustainable investments such as clean energy, the circular economy, and greenhouse gas reduction technologies, accounting for 47.78% of total outstanding loans. This reflects EXIM Thailand’s role in helping businesses of all sizes upgrade their production processes to meet international standards and improve global market access,” Charat Rattanaboonniti remarked.

“In the social dimension, the bank recognises that strong communities are the backbone of the economy. Therefore, it focuses on capacity building, community empowerment, and knowledge sharing, fostering business growth and nurturing the next generation of entrepreneurs. In the corporate governance dimension, EXIM Thailand has adhered to strong governance principles since its inception, integrating them into every level of its operations while actively engaging employees, management, and the Board of Directors. The bank conducts all activities with transparency and fairness for all stakeholders, placing a strong emphasis on prevention and suppression of corruption,” he noted.

In empowering entrepreneurs, EXIM Thailand continues to develop both new and existing exporters for sustainable global growth through collaboration with the public sector, private sector, and academic institutions. A key initiative is the “EXIM 2X” programme, which has been designed to cover all dimensions of export business, from access to finance and risk management tools to international market penetration strategies, logistics management, and ESG-based business operations. The Bank also creates trade opportunities through business matching activities and various “Export Studio Programmes” throughout the year. These efforts have enabled a cumulative total of 25,036 entrepreneurs to enhance their capabilities.

EXIM Thailand recognises its role in promoting and supporting opportunities across the business, social, and public sectors. As a steadfast pillar of support, the bank remains dedicated to helping the economy navigate internal and external challenges, steering Thailand toward a future of strong, stable, and sustainable growth.

“EXIM Thailand stands ready to fulfil its role as an Export Co-pilot, enhancing liquidity and strengthening risk management to equip Thai exporters with the readiness and confidence to compete under the new global trade rules and to turn change into opportunities for sustainable growth,” President Charat Rattanaboonniti concluded.

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RER’s operational principle is crystal clear: increase trust in the Saudi real estate market, apart from improving transparency and ownership data accessibility, thereby supporting the goals of “Vision 2030” by enhancing the property sector’s efficiency and increasing its investment attractiveness across the markets.

During his interaction with International Finance, Dr. Mohammad Al-Suliman, RER CEO, said, “RER has distinguished itself as an innovative leader in the real estate registration industry. With a strategic focus on digital transformation, customer service centricity, and sustainable development, RER has redefined the standards of property registration to be a trusted partner in the real estate ecosystem by creating sustainable value and transforming ecosystems through customer-centric real estate services and digital solutions.”

“The Kingdom of Saudi Arabia is undergoing a significant transition in all sectors to support a diversified and progressive economy, driven by the objectives of a smart and sustainable future defined in Saudi Vision 2030. The real estate sector is making significant progress to align with this ambitious aim,” the CEO added.

Intending to make Saudi Arabia’s real estate ownership information trustworthy, transparent, and easily accessible, RER aims to build and update a database of all property units within the Kingdom.

“As we construct the register, we will employ PropTech to handle the data in order to provide a range of services that aim to improve the investment and real estate market,” Dr. Mohammad Al-Suliman continued.

RER’s operations are centred around a strategy called “EASE.” Although the word has a different meaning than what is found in English dictionaries, it can be broken down into four operational pillars: E (Enhancing the Foundation), A (Accelerating Core Mandate), S (Sustainable Growth), and E (Ecosystem Partner).

RER sees “EASE” as a form of strategy, which will help it to meet its objectives of ensuring a smart and sustainable future-defined real estate sector under the “Vision 2030.” Under the “EASE Strategy,” RER will align its organisational values and capabilities, along with building trust with the property sector stakeholders, from 2023 to 2025. It will be followed up by “Accelerating Core Mandate,” whether the venture will look to excel in the registry operations, apart from focusing on technology advancement and contributing towards environmental sustainability.

Services and products
RER services in real estate transactions are based on three fundamental principles: efficiency, transparency, and legality. Transparent ownership is required for all units, including public, commercial, residential, and agricultural. The First Registration Service is responsible for establishing this foundation. Presently, the Real Estate Registry diligently documents the present condition of each property on a dedicated page.

The Real Estate Indicators Service offers an alternative solution where RER use generative AI to produce advanced insights tailored to different customers.

Talking about RER’s value-added services and its emphasis on sustainability, the venture is working on building a roadmap to diversify sources of income by investing in the capabilities of the real estate registry.

Among the “Value-Added Services,” we have “Real Estate Transaction,” which is RER’s management of all transactions that occur for the property after completing the first registration and reflecting them in the real estate registry. Followed by “Real Estate Transaction,” we have “Data Monetisation,” which is the optimal investment of real estate data to provide products and services based on accurate data to support decision-making, contributing to raising the transparency and reliability of the real estate sector, designed for all beneficiary groups.

Finally, RER invests in operational, technical and geospatial capabilities to develop innovative solutions and services that provide added value for sustainable growth.

Dedicated technologies
“Incorporating Geographic Information System (GIS) technology is revolutionising the real estate industry in Saudi Arabia. GIS provides a spatial component to the data, improving our capacity to establish and expand a comprehensive national real estate database that will ultimately support the development and structure of the real estate industry in the Kingdom,” Dr. Mohammad Al-Suliman noted.

Since May 2023, RER has implemented GIS to improve the quality of its real estate services by assessing and tracking real estate assets through the registry process using geospatial survey technology and aerial images.

RER’s geospatial approach has become a milestone in the accuracy and availability of real estate information for the organisation. Through the deployment of advanced aerial imaging technologies by RER, critical land ownership details and property boundaries have been captured, thereby improving the transparency and reliability of real estate data for all stakeholders.

RER’s geospatial approach is special in many ways: it has been the first such national project, in terms of covering a vast stretch of land (both urban and non-urban areas). Also, through its “Geospatial Data Management,” RER has established, stored and currently maintains a national cadastral map with an anticipated 8.2 million properties and 3-5 petabytes of data storage. The company has also set up a “National Real Estate Data Map Governance” to execute its “geospatial approach.”

What makes the GIS route special is its ability to add clarity to managing and understanding the spatial aspects of Saudi Arabia’s real estate sector.

“It is a digital map-based platform that enables RER to overlay information such as property boundaries, land usage rights, and infrastructure. This allows individuals and investors to make more informed decisions and streamlines the process of buying even further. Ensure that all stakeholders have access to information about properties and their environs by making property-related data available through interactive maps. Due to the automation of processes like property assessment and land registration made possible by GIS, administrative overhead is reduced and human error is minimised, leading to increased efficiency,” Dr. Mohammad Al-Suliman remarked.

Digital excellence in registration
To its credit, RER has embraced a transformative approach to disrupt the Kingdom’s traditional real estate registration processes, achieved by implementing a user-centric digital model, which emphasises ease of use, efficiency, and accessibility.

By integrating advanced technological solutions, RER has streamlined operations, apart from significantly reducing turnaround times and enhancing overall user satisfaction. These efforts have improved the functionality of real estate registries and established new benchmarks for the real estate sector’s excellence.

“The inception of RER marked the beginning of a new era in property registration, characterised by an unwavering commitment to technological innovation and user experience. By integrating sophisticated digital tools, RER has successfully transformed outdated procedures into a streamlined, transparent, and efficient process. This digital prowess has not only optimised registry operations but also established RER as the new standard-bearer for the industry,” the CEO stated.

Urban development and land management leadership
“RER’s operations have fostered secure property rights, enhanced transparency, and enabled effective urban planning, thereby laying a foundation for economic growth and investment attractiveness. RER’s active contribution to sustainable development is a testament to its dedication to societal advancement and industry innovation,” Dr. Mohammad Al-Suliman commented.

RER has bridged the gap between technological innovation and personalised customer service by establishing a dedicated customer service centre, which offers stakeholders a direct line of communication and assistance, underscoring RER’s holistic approach to customer satisfaction and engagement.
The future of real estate sector

“In the upcoming decade, there will be a prominent shift from the traditional and time-consuming process of real estate registration to a modern and efficient digital system, which offers improved convenience and speed,” Dr. Mohammad Al-Suliman predicted.

This change is crucial for determining the future of the Kingdom’s real estate sector. The RER portal, launched in 2023, plays a significant role in the digitalisation of the Gulf major’s property industry by simplifying the registration process, providing a wide range of property-related services that enhance access to real estate data.

“The primary objective of RER is to guarantee the safeguarding of property rights, streamline interactions, and empower property owners. The RER platform will streamline the process of researching properties and conducting transactions of any magnitude, requiring only a few clicks. This is just a superficial overview of RER’s ambitions to transform the real estate registration process by enhancing user-friendliness, transparency, and efficiency.

The objective of Saudi Vision 2030 is to position the real estate sector as a catalyst for economic diversification in Saudi Arabia. This goal is achievable due to the country’s advanced technology capabilities, robust digital infrastructure, and favourable market regulations,” Dr. Mohammad Al-Suliman said.

Objectives for 2025
In order to advance its mission, RER will focus on advancing geospatial mapping initiatives and expanding coverage across the Kingdom to improve the precision of property boundaries and identification.

“Our goal is to register approximately 80% of the properties in the Kingdom by 2025. A massive undertaking like this will strengthen safeguards for property rights, increase transparency, and create a solid foundation for future economic development and planning. And for this year, we will cover Riyadh and announce more than 4.2 million parcels across the kingdom,” Dr. Mohammad Al-Suliman informed International Finance.

The “Vision 2030” initiative focuses on economic diversification and highlights the importance of digital transformation throughout the economy. In the real estate sector, some of the key objectives include increasing home ownership rates, enhancing service quality, and making investments more attractive. These goals are central to the roadmap’s vision for the future.

“These pillars are undoubtedly consistent with the RER’s goals and efforts to digitise and automate all real estate activities. The ‘EASE Strategy’ is RER’s five-year roadmap for digital transformation. The primary goal of this approach is to streamline operations and improve the real estate experience in the Kingdom through digitisation, automation, dependability, and transparency. In this regard, the RER aims to automate all real estate transactions using its e-platform,” Dr. Mohammad Al-Suliman remarked.

“RER’s ongoing commitment to excellence has shaped the landscape of real estate registration services and demonstrated a profound understanding of its work’s economic and social implications. By securing property rights and enhancing transparency, RER has laid a solid foundation for property ownership that supports economic expansion and boosts investment opportunities. This, in turn, has reinforced RER’s role as a trusted and indispensable partner in the regional development narrative,” he continued.

The organisation’s holistic approach to real estate registration has been pivotal in driving change and delivering value to all stakeholders involved. Through the facilitation of secure property rights, RER has not only empowered landowners but has also provided a stable environment for real estate investments, which is crucial for the region’s socio-economic development.

“Moreover, RER’s proactive stance in adopting the latest technologies and methodologies showcases its leadership in setting industry trends. The successful mapping of an extensive area through aerial surveys is a testament to RER’s innovative spirit and its dedication to precision and quality. The customer service centre initiative stands as an example of RER’s commitment to excellence, ensuring that every stakeholder receives personalised attention and support. This blend of technology and personal service underscores RER’s understanding that while digital transformation is vital, human connections remain integral to its success,” Dr. Mohammad Al-Suliman concluded.

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