With the experience of over three decades in lending, Ngern Tid Lor Public Company Limited (“NTL”) has firmly established itself as the leader in the microcredit sector and has become much more than just a loan provider. Our mission to make fund sourcing faster, simpler, transparent, and more approachable has already helped over 1,000,000 recipients. Our typical clients are self-employed microentrepreneurs who have poor, thin, or no credit history - but need to borrow money for productive uses. They often experience difficulty obtaining credit from banks and other established financial institutions. As the leading auto-for-cash loan provider, we pride ourselves on a personable approach to providing reliable cash loans. NTL represents a unique blend between professional financial services and community relationships. Our clients benefit from the peace-of-mind associated with borrowing from a large and reliable financial institution and from the speed and reach of informal lending. With over 1,600 branches nationwide, we are highly accessible to all. In each of our branches, our friendly and knowledgeable staff are always eager to help. The company is also a non-life insurance broker with the biggest branch network in Thailand. Through an extensive branch network, Ngern Tid Lor offers a wide range of products from personal accident to motor vehicle insurance, all at highly competitive prices. We analyze and carefully select our products from Thailand’s top insurance companies to ensure the best possible value for our customers. Our shareholders are a source of strength for us. As an affiliate of Bank of Ayudhya Public Company Limited (Krungsri), which is a strategic member of Mitsubishi UFJ Financial Group (MUFG), one of the world’s largest financial groups, Ngern Tid Lor offers the security, stability and the high standards you would expect from such renowned institutions. Our platform was further strengthened in 2019 with the addition of CVC Capital Partners, a global private equity firm, and 9 Basil domestic private equity firm, to our shareholding. These international and domestic institutional investors , together with Krungsri, bring a combination of global expertise and local strength, which benefit us in new technologies, operational best practices and business development opportunities to help Ngern Tid Lor innovate and grow to better serve Thailand’s long-tail segment. In 2021, we became a listed company on the Stock Exchange of Thailand. Our IPO was the largest IPO in the Finance and Securities Sector and one of the top five largest equity IPOs in Thailand. This opportunity allows us to further expand our reach and solidify our position as a leading financial services provider in Thailand. With company values that are based on high standards, transparency and a positive approach to finding solutions we offer a competitive alternative to less legitimate financial solutions. Our aim is to enrich the quality of life for our clients by providing financial assistance and insurance cover through a range of products and services that they may find difficult to come by elsewhere. We firmly believe that uncomplicated access to micro-finance, together with financial education, helps in the battle against poverty and in the long term development of the Thailand’s economy.