Creating Sustainable Value and Social Contribution:
The company has consistently emphasized operating responsibly toward society, focusing on promoting and improving social and community development. As a result, the company regularly conducts activities to benefit society and the environment through various projects in collaboration with public and private sector organizations. Additionally, the company fosters awareness among employees at all levels about the importance of participating in social and environmental activities. Examples of the types of social activities the company prioritizes are as follows:
Social Initiatives for Sustainable Development in 2025
Long-term goal
Monitoring system based on
project metrics toward annual goals
Performance Results based on the Company's Sustainability Priorities.
The company is committed to creating shared value (CSV) to benefit society by sharing financial knowledge through the ‘Financial Knowledge to Communities for Life Rolls Forward' project. This initiative targets low-income individuals in various communities, small business owners, factory workers, and Ngern Tid Lor employees. Since 2013, the company has conducted a total of 262 financial education sessions, with 7,524 participants (As of December 31, 2025).
Recognize that motorcycle title loan customers are at high risk of road accidents, we provide free personal accident insurance for one year to new motorcycle title loan customers. Coverage begins immediately upon approval of the loan. As of December 31, 2025, we have provided free personal accident insurance to 2,227,044 customers.
The company prioritizes employee development and engagement to foster the feeling of connection and camaraderie and to reinforce the feeling of team spirit. We have also organized various activities to ensure that all employees understand the Company’s objectives and operational plans every year.
We have organized the TIDLOR Culture WOW since 2018 for general organizations that are interested in exchanging experiences in driving business through Ngern Tid Lor’s corporate culture. Over the years, there were both domestic and international companies interested in our project, totalling of 577 organizations participated, with 2,899 attendees as of December 31, 2025.
The company has a policy to promote basic human rights, social equality, and diversity in the workplace and provide employment opportunities to the disabled and disadvantaged. Our employees are diverse in terms of gender and age, as detailed in the table below.
| Number of employees by gender | 2023 | 2024 | 2025 |
|---|---|---|---|
| Male (person) | 1,959 | 2,114 | 2,211 |
| Female (Person) | 5,182 | 5,502 | 5,812 |
| Number of employees by age | 2023 | 2024 | 2025 |
|---|---|---|---|
| Less than 30 (person) | 3,048 | 3,606 | 3,478 |
| 31-40 (person) | 3,266 | 3,202 | 3,568 |
| 41-50 (person) | 758 | 745 | 899 |
| More than 50 (person) | 69 | 63 | 78 |
Employees are important stakeholders. We provide compulsory training courses for all employees and encourages them to receive further training to improve their knowledge and performance. The number of training hours and employee satisfaction are shown below.
| Target | 2023 | 2024 | 2025 |
|---|---|---|---|
| Number of disabled and/or underprivileged employees (person) | 65 | 76 | 79 |
| Number of training hours per employee (hour/person) | 29.07 | 26.98 | 69 |
| Number of total training hours (hour) | 205,724 | 203,499 | 412,679 |
| Employee satisfaction (%) | 92.70 | 92.55 | 97 |
| Employee turnover rate (%) | 14.6 | 11.5 | 10.6 |
| Occupational Health and Human Rights | 2023 | 2024 | 2025 |
|---|---|---|---|
| Work-related injury | 8 | 6 | 7 |
| Number of hours worked - Branch | 48 hours/week | 48 hours/week | 48 hours/week |
| Lost time injury | 8 | 6 | 3 |
| Lost time illness | 4,908 | 6,326 | 7,086 |
| Work-related fatality | - | - | - |
| Number of incidents of human rights violations | - | - | - |
| Number of human rights violence | - | - | - |