Union Auction Public Co., Ltd. · SET:AUCT
Union Auction Public — Q2 2026 Earnings Presentation
22 slides from Union Auction Public's earnings presentation, 2026
Slide 1: The Q2/2026 Performance
THE Q2/2026 PERFORMANCE Q2/2026 1
Slide 2: Business overview, Performance, Q&A
Business overview Performance Q&A 2
Slide 3: AUCT's Development
AUCT’s Development 1991 1998 2003 2013 AUCT Established AUCT was appointed by the Financial AUCT launched the Sector Restructuring Authority (FRA) first vehicle auction to conduct the public auctions of in the upcountry AUCT started trading vehicles and assets of insolvent shares in MAI for the firs
Slide 4: Nature of business
Nature of business Cars Motorcycles Agricultures Others Real estate Band name Electrical appliances 4
Slide 5: Areas
Northeast Warehouses Areas 1. NakhonRatchasrima: Muang 2. NakhonRatchasrima: Pakchong North Warehouses North Auction Houses 3. Ubon Ratchathani 1. Chiang Mai 4. Udon Thani 1. Chiang Mai 2. Phitsanulok 5. Khon Kaen Northeast Auction Houses 2. Phitsanulok 3. Nakhon Sawan 6. Surin 4. Phetchabun 7. Roi
Slide 6: Auction Flow
Auction Flow Pay the rest within 3 days Confirm & Payment 10% or 100% Receive vehicles into the warehouse Move to Auction House Record to system, Clarify, Cleaning, Upload to website, Auction 6
Slide 7: Our services
Our services ตรอ. ประกัน พ.ร.บ. ต่อภาษี 7
Slide 8: Partners & Clients
Partners & Clients Financial Institutions Insurances Government agencies 8
Slide 9: MIWsdUsSnVUGUDAaDV
———_. MIWsdUsSnVUGUDAaDV
Slide 10: Monthly trend | Jan–Jun 2026 monthly growth (YoY)
ยอดขายรถใหม่ 346,925 58,724 +53.8% 2026 YTD volume June 2026 January YoY +14.6% YoY +17.3% YoY Strongest monthly growth Monthly trend | Jan–Jun 2026 monthly growth (YoY) 90,000 1 53.8% 85,000 80,000 1 75,000 70,000 0 65,000 0 60,000 55,000 0 17.3% 50,000 10.6% 0 7.3% 45,000 2.5% 40,000 0 Jan Feb Mar
Slide 11: Outstanding consumer auto hire-purchase balances by stage
ยอดคงค้างอุปโภคบริโภค – เช่าซื้อรถยนต์ และทุก Stage Q3 2024 – Q2 2026 | Outstanding balances and household leverage 739,365 627,611 97,343 14,411 ยอดคงค้าง ทั้งหมด | Q2-26 Stage 1 Stage 2 Stage 3 (NPL) −15.8% vs. Q3-24 −12.8% −28.9% −32.3% ยอดคงค้าง Stage2 และ Stage 3 Macro & growth signals 140000 เ
Slide 12: Consumer Loan and Auto Loan accounts
บัญชี - สินเชื่อรถยนต์ ในระบบเครดิตบูโร 5,887 849 422 469 Auto Loan | Mar-26 NPL | Mar-26 SM | Mar-26 DR | Mar-26 −10.3% vs. Sep-23 −5.8% from Dec-25 peak −24.6% vs. Sep-23 +752.7% vs. Jun-24 จานวนบัญชี Consumer Loan Auto Loan คุณภาพสินเชื่อตามจานวนบัญชี 6,700 1,000 6,600 800 6,500 6,400 600 6,300 4
Slide 13: Pickup car accounts — subset of Auto Loan
จานวนบัญชี Pickup car — subset of Auto Loan | June 2024 – March 2026 2,647 1,885 215 476 Total accounts | Mar-26 Normal | Mar-26 SM 31–90 days NPL 90 days+ −14.0% vs. Jun-24 −16.1% −28.6% +3.9% vs. Jun-24 Normal accounts Credit-quality accounts 2,300 2,200 400 2,100 200 2,000 0 1,900 1,800 Jun-24Sep
Slide 14: Vehicle-collateralized personal loan balances, Bank vs Non-Bank
ยอดคงค้าง สินเชื่อส่วนบุคคลภายใต้การกากับประเภทสินเชื่อที่มีทะเบียนรถเป็นประกัน | Q1 2022 – Q2 2026 ยอดคงค้างเพิ่ มขึ้นมากกว่าสองเท่า ขับเคลื่อนหลักโดยกลุ่ม Non-Banks 395,206 +3.3% 348,508 88.2% Total balance | Q2-26 Total growth | YoY Non-Bank balance Non-Bank share +108.9% vs. Q1-22 Q2-26 vs. Q2-2
Slide 15: Used car price update by BOT, June 2026
120.00 50.00 130.00 90.00 100.00 140.00 70.00 30.00 40.00 60.00 110.00 80.00 ม.ค.-2020 ก.พ.-2020 มี.ค.-2020 เม.ย.-2020 พ.ค.-2020 มิ.ย.-2020 ก.ค.-2020 ส.ค.-2020 ก.ย.-2020 ต.ค.-2020 พ.ย.-2020 ธ.ค.-2020 ม.ค.-2021 ดัชนีราคารถยนต์มือสอง ก.พ.-2021 มี.ค.-2021 เม.ย.-2021 พ.ค.-2021 ปริมาณรถเริม มิ.ย.-2021 ก.
Slide 16: Vehicles entering auction yards
ปริมาณรถเข้าลานประมูล (คัน) ปี ประมาณปริมาณรถ เข้าลานประมูล 2022 164K 2023 230K 2024 266K 2025 210K 2026 น้อยกว่าปี 2025 estimate 170K ปริมาณรถเข้าลานประมูล (คัน) 8
Slide 17: Business overview, Performance, Q&A
Business overview Performance Q&A 9
Slide 18: Q2/2026 Financial Highlight
Q2/2026 Financial Highlight Total revenues Total Assets Total Liabilities 180.00 MB 1,740.50 MB 1,306.81 MB 31.4% YoY 3.8% from 2025 0.1% from 2025 21.2% QoQ Gross profit Owner’s Equity D/E 61.35 MB 433.69 MB 41.6% YoY 13.6% from 2025 = 3.01 times 34.5% QoQ Net profit Net Profit Margin D/E 9.88 MB (
Slide 19: The Q2/2026 Performance: Revenue and Expense
The Q2/2026 Performance Revenue Expense (Unit: Million Baht) (Unit: Million Baht) 840.21 1,303.46 804.57 1,240.61 639.17 775.23 615.50 13.21 572.97 8.32 195.32 1,027.71 227.69 15.97 180.19 403.73 300.12 352.45 528.94 408.50 249.63 205.77 1,094.93 6.69 1,004.60 98.05 167.51 3.78 262.54 164.87 174.05
Slide 20: The Q2/2026 Performance: Gross profit and Net profit
The Q2/2026 Performance Gross profit Net Profit (Unit: Million Baht) (Unit: Million Baht) 50.1% 50.5% 43.4% 42.5% 40.6% 700 38.3% 34.5% 450.00 28.0% 28.5% 30.0% 600 19.6% 18.8% 16.9% 0.0% 10.9% 5.5% 350.00 500 10.0% 400 -10.0% 250.00 651.08 300 616.79 371.29 347.93 -100.0% -30.0% 200 438.77 150.00 2
Slide 21: Dividend Payment
Dividend Payment Dividend policy of paying not less than 40% of net profit 105.84% 99.66% 96.78% 98.91% 96.64% 99.60% 99.59% 99.25% 99.91% 96.33% 0.8 110.00% 92.37% 93.90% 89.82% 0.7 0.67 90.00% 0.63 0.32 0.37 0.6 70 .00% 0.45 0.455 0.5 50.00% 0.40 0.41 0.4 0.28 0.305 0.365 30.00% 0.34 0.34 0.25 0.2
Slide 22: Q & A
Q&A auctofficial auct.official สหการประมูล https://www.facebook.com/AUCT.Official Disclaimer: This information is prepared by Union Auction Public Company Limited aims to publicize company’s information to investors for only investment decision support which do not aim to persuade for company’s secu
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