TIDLOR reports new high net profit in Q2/2025, showcasing quality growth momentum, boosting low-risk insurance brokerage business, and maintaining low NPL at 1.78% in its lending segment

Miss Cholthicha Thongthai, Chief Financial Officer (CFO), announced that TIDLOR recorded a net profit of 1,304.4 million baht in Q2/2025, reflecting a 19.5% (YoY) and 8.2% (QoQ) increase — the Company's highest quarterly profit to date. Total revenue reached 5,755.4 million baht, marking a 5.3% (YoY) increase. The outstanding loan portfolio continued its steady climb, with total outstanding loans at the end of Q2/2025 standing at 105,905.5 million baht, representing 2.8% (YoY) and 1.1% (QoQ) growth. Meanwhile, the number of loan customers rose 9% (YoY), exceeding the pace of overall portfolio growth — a sign of quality customer base expansion under prudent credit policies. Non-performing loans (NPL) remained stable at 1.78%, supported by improved credit underwriting, active debt collection strategies, and robust risk management. Credit cost dropped to 2.6%, down from 3.6% in the same quarter last year, while the NPL coverage ratio remained high at 262.4%, ensuring prudent risk provisioning. Key contributors to long-term growth included tech-based solution such as the Tidlor card and E-Withdrawal — a digital loan disbursement feature within the NTL application — which the Company has seen rising adoption among customers resulting in the operational cost reduction.

Mrs. Athitaya Phoonwathu, Chief Insurance Officer, reported that insurance brokerage continued to thrive, with non-life insurance premiums reaching 2,569.1 million baht in Q2/2025, an 11.4% (YoY) increase. The growth was attributed to a broad product suite covering auto, personal, and property insurance, in partnership with leading insurers. Distribution is supported by a multi-channel approach — including face-to-face insurance brokerage via over 1,800 branches under the "Shield Insurance Broker" brand, and InsurTech platforms such as "Areegator" and "heygoody.com," filling market gaps and enhancing the Company's reach to a wide customer base.

Mr. Piyasak Ukritnukun, Managing Director, added that Tidlor Holdings remains committed to quality growth across all business units. Since launching its insurance brokerage arm in 2016, the segment has averaged annual growth over 40% — more than double the growth rate of its lending business — effectively balancing the Group's overall business profile and risk diversification. Following the Company's restructuring into a holding company, the senior management team also reflected its readiness for the next stage of growth in both verticals.

Recognizing the fragility of the Thai economy and high household debt, the Company introduced a Balance Transfer program in Q2/2025 aimed at assisting retail borrowers with a good repayment history who are currently servicing multiple debts — including other types of personal loans, cash cards, or credit cards — and may be burdened with high or excessive monthly repayment obligations. The program offers a solution to help ease their monthly debt burden. — can now consolidate their obligations under one vehicle title loan with Ngern Tidlor. This allows for reduced monthly payments and extended repayment terms, ultimately simplifying debt management and improving credit health. Since its launch, the program has demonstrated measurable impact — participating customers have cut their monthly debt payments by more than half on average. Many were able to close debts with three financial providers, with some settling up to nine financial providers.

Tidlor Holdings and its subsidiaries continue to pursue their vision as The Leading Financial Inclusion Service Provider, empowering underserved Thais with fair and accessible financial solutions, while enhancing financial literacy and long-term well-being.

For shareholder and investor information, please visit: www.tidlorinvestor.com

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