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TBN expects a recovery in the second half of the year, driven by TBN Corporation Public Company Limited's major strategic push under its End-to-End Lending model to boost competitiveness. The company anticipates recovery signals in the second half from revenue recognition on new solutions, worth over 274 million baht in total. Of this, 123 million baht will be recognized this year, with clearer growth expected next year.
Why TBN Expects a Recovery in the Second Half
Mr. Panayu Sirikrachangsri, CEO of TBN Corporation Public Company Limited, revealed that the company expects to see recovery signals in the second half, driven by revenue recognition on new solutions and a more agile organizational structure. As a result, TBN remains confident that 2027 will be a year of clear growth, supported by its readiness to serve as a business partner that helps large enterprises increase revenue and reduce costs through sustainable Business Solutions.
TBN's direction in 2026 marks an important step in restructuring internally to support sustainable growth. Although first-half performance faced pressure from the economic slowdown and the rapid disruption caused by Generative AI technology across the IT industry, this led financial institutions — TBN's core client base — to become more cautious with their investments.
TBN's Proactive Strategy for the Second Half
However, TBN has taken a proactive approach, leveraging its expertise in comprehensive lending management systems and its existing BFSI (Banking, Financial Services and Insurance) client base to create new business opportunities and drive efficient growth.
Mr. Panayu said: "The key highlight of our new strategy is the End-to-End Lending system, a comprehensive lending management solution covering everything from loan applications and data analysis to debt collection and non-performing loan (NPL) management. This aligns with the current surge in household debt. The solution helps financial institutions increase debt recovery rates and generate clear, cost-effective returns on investment."
What Is TBN's Current Backlog Value
TBN currently maintains a stable revenue structure, with private-sector clients accounting for as much as 90% of its base — over 50% of which come from leading banks and financial institutions. The company holds a total backlog of over 274 million baht, with individual project contracts averaging 3-5 years. This structure helps generate long-term recurring income and strengthens cash flow stability.
Beyond organic growth, TBN continues to explore opportunities to expand its ecosystem through joint ventures and mergers and acquisitions, approached with caution. The company focuses on partners with strong financial performance and technology that complements its own, aiming to drive sustained growth and increase shareholder value.
Organizations interested in TBN's End-to-End Lending solution can learn more at the Lending Management System page.
Frequently Asked Questions
Why does TBN expect a recovery in the second half?
TBN expects recovery from revenue recognition on new solutions and a more agile organizational structure, with confidence that 2027 will bring clear growth.
What is TBN's current backlog value?
TBN's backlog totals over 274 million baht, with 123 million baht expected to be recognized this year. Individual contracts average 3-5 years.
What does TBN's End-to-End Lending system cover?
It covers loan applications, data analysis, debt collection, and non-performing loan (NPL) management.
What is TBN's expansion strategy beyond organic growth?
TBN explores ecosystem expansion through joint ventures and M&A, focusing on partners with strong financial performance and complementary technology.
