MTC Reports Strong Q3/2026 Performance, with Loan Portfolio Reaching THB 192.42 Billion Expanding Financial Inclusion and Advancing Toward World-Class Thai Microfinance Supporting Sustainable Growth of Thailand’s Grassroots Economy

Muangthai Capital Public Company Limited (MTC) reported continued growth in its operating performance for the third quarter of 2026, with its total loan portfolio reaching THB 192,420 million. Total revenue stood at THB 8,370 million, while net profit amounted to THB 1,941 million. Meanwhile, the Company maintained its non-performing loan (NPL) ratio at 2.63%, reflecting efficient operations, effective cost management, and prudent asset quality control. Mr. Parithad Patcharachai, Chief Executive Officer, stated that during the final quarter of the year, the Company will continue expanding access to financial services while enhancing its service standards toward becoming a World-Class Thai Microfinance provider, contributing to the sustainable development of Thailand’s grassroots economy.

Mr. Parithad Patcharachai, Chief Executive Officer of Muangthai Capital Public Company Limited (MTC), stated that Thailand's economy continues to face challenges from both domestic and external factors, affecting consumer purchasing power and debt repayment capacity. In response, the Company remains committed to conducting its business prudently, focusing on sustainable loan portfolio expansion through its nationwide network of more than 8,964 branches as of the end of Q3/2026. This is accompanied by disciplined risk management and a strong focus on asset quality, ensuring that individuals and small-scale entrepreneurs have access to transparent, fair, and responsible sources of formal financing. Through these efforts, the Company aims to contribute to a stronger and more sustainable economy and society.

For the third quarter of 2026, the Company recorded a total loan portfolio of THB 192,420 million, total revenue of THB 8,370 million, representing an increase of 6.03%, and net profit of THB 1,941 million, up 12.57% year-on-year. The Company also maintained effective asset quality management, keeping its NPL ratio at 2.63%. These results reflect the Company's ability to achieve business growth while maintaining prudent risk management.

For the first nine months of 2026, the Company generated total revenue of THB 24,434 million and net profit of THB 5,669 million, representing an increase of 14.70% compared with the same period last year. Its total loan portfolio reached THB 192,420 million, demonstrating the Company's continued ability to expand its business while sustaining solid financial performance.

For the remainder of 2026, the Company will continue expanding its loan portfolio in line with its business plan while maintaining a prudent lending policy. Particular emphasis will be placed on preserving asset quality through careful credit assessments and close monitoring of loan performance. The Company will also continue developing financial products and services to better address the diverse needs of customers across all regions, supporting sustainable and stable long-term growth.

In addition, the Company remains committed to advancing three key strategic objectives: promoting Financial Inclusion by expanding opportunities for the public, particularly low-income individuals and vulnerable groups, to access fair and responsible sources of funding and financial services; supporting Employment Generation by empowering small businesses, micro-entrepreneurs, and women-owned businesses to achieve sustainable growth; and promoting Food Security and Sustainable Food Systems by supporting the agricultural sector, enhancing production efficiency, increasing income opportunities, and facilitating access to essential resources for sustainable livelihoods.

The Company has continued to receive recognition for its corporate leadership and financial credibility. In 2026, MTC received three awards from the Investment Analysts Association (IAA): Best CEO, Best CFO, and Best IR at the IAA Awards for Listed Companies 2026, marking its third consecutive year of recognition. These awards reflect analysts' confidence in the Company's management team and overall business performance.

In terms of creditworthiness, the Company has received ratings from three leading international credit rating agencies: Moody's Ratings at Ba2, Fitch Ratings at BB (international scale) and A-(tha) (national scale), and S&P Global Ratings at BB-, all with a Stable outlook.

Furthermore, MTC received a five-star rating for its corporate governance assessment (CG Rating), achieved an AA rating in the SET ESG Ratings, and was honored with the Best Social Bond (Thailand) award at The Asset Triple A Awards for Sustainable Finance 2026.

These recognitions reflect the Company's strong commitment to conducting business with good corporate governance, prudent risk management, and a focus on sustainable finance. MTC remains dedicated to expanding access to funding for individuals and small-scale entrepreneurs while advancing toward its vision of becoming a World-Class Thai Microfinance provider and creating sustainable long-term value for all stakeholders.