A group built on ownership, not transactions
We appoint leaders, set risk limits and fund growth, so each subsidiary can focus on serving its customers well.
Singapore holding companyUEN 202642866N
All the way with you.
ATW Financial Group owns and oversees four specialist financing businesses that serve individuals and companies, and holds every one of them to a single standard of capital, risk and conduct.
4specialist subsidiaries
B2C and B2Bindividuals and companies
SGXlisting proposed
- Registered name
- ATW Financial Group Pte. Ltd.
- Unique Entity Number
- 202642866N
- Offices
- Kallang and Cecil Street
- Listing
- Proposed on SGX
GXL2 Holdings Pte. Ltd.Future Growth Consultant Pte. Ltd.JW Venture Capital Pte. Ltd.Galaxy Credit and Investments Pte. Ltd.All the way with you
01Who we are
One holding company. Four specialists.
ATW does not lend or advise in its own name. Our subsidiaries do that work, each with its own team and customers. We set strategy, allocate capital and make sure every business meets the same standards.
Specialist subsidiaries
Consumer credit, SME financing, venture capital and secured lending.
Two kinds of customer
Individuals through our consumer business, companies through three business specialists.
Two offices in Singapore
Consumer enquiries in Kallang. Business, investor and media enquiries on Cecil Street.
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Our name is our promise: to stay with the businesses we own, the customers they serve and our shareholders for the whole journey.
02The group
Four businesses, one orbit.
Select a company to see what it does and how to reach it.
ATW Financial GroupHolding company
03Our commitments
How we look after capital.
Four commitments guide how ATW runs the group, whichever subsidiary a customer or investor deals with.
- 01
Capital with discipline
Each subsidiary has a capital budget and a return target approved by the Board. Capital goes where it earns a fair return within our risk appetite.
- 02
One risk framework
Credit, liquidity and operational limits are set at group level and reviewed every month. Subsidiary risk teams report to the Group Chief Risk Officer.
- 03
Fair, transparent lending
Our lending businesses assess affordability before they lend and explain the full cost of borrowing before anyone signs.
- 04
Governance built for listing
Independent directors, four Board committees and published policies, built to the standard of the SGX Listing Manual.
04Group at a glance
Sample data4operating subsidiaries
268.9S$ million in net loans, FY2025
17.2% compound annual loan growth since FY2021
1.9% non-performing loan ratio, FY2025
05Investor centre
Results, reports and meetings.
Everything shareholders and analysts need, published in one place and kept up to date.
Explore
- Financial highlightsFive years of results and data
- Annual reportsAnnual and sustainability reports
- AGM and announcementsMeeting papers and SGX filings
- Corporate governanceBoard, committees and policies
Share information
- Exchange
- Singapore Exchange (proposed)
- Board
- To be confirmed
- Stock code
- To be assigned
- Financial year end
- 31 December
Next meeting
Sample data15 Oct2026
Extraordinary General Meeting
Thursday, 10.00 am (Singapore time)
--Days
--Hours
--Mins
--Secs
This meeting has now been held. Results of voting will be published as an announcement.
Meeting papersLatest announcements
Sample data- 12SepAppointment of Group Chief Risk OfficerBoard & management, PDF, 83 KB
- 1SepNotice of Extraordinary General Meeting and Circular to ShareholdersAGM & EGM, PDF, 75 KB
- 14AugUnaudited Financial Statements for the Six Months Ended 30 June 2026Financial results, PDF, 75 KB
- 14AugAnnouncement Pursuant to Rule 706A of the Listing ManualGeneral, PDF, 74 KB
06Newsroom
Latest from the group.
Sample dataResults, appointments and community news. Visit the newsroom
ATW appoints a Group Chief Risk Officer to strengthen oversight across its subsidiaries
The new role reports to the Board's Risk Management Committee and brings credit, liquidity and compliance risk for all four subsidiaries under one framework.
Read the storyATW Financial Group reports first-half FY2026 results
Business lending drove growth in net operating income, while credit costs stayed within the group's risk appetite.
Read the storyATW sets out its governance framework ahead of the proposed SGX listing
The Board has formed audit, nominating, remuneration and risk committees, and has adopted a full set of charters and policies.
Read the story07Contact
Talk to the right team.
Two offices, each with its own purpose, so your message reaches the people who can help.
Individuals
#05-06 CT Hub
Singapore 339407
Consumer enquiries
For individuals, and customers of our consumer business.
2 Kallang Avenue#05-06 CT Hub
Singapore 339407
Companies, investors and media
#01-01 Keck Seng Tower
Singapore 069535
Business, investor and media enquiries
For companies, partners, shareholders, analysts and journalists.
133 Cecil Street#01-01 Keck Seng Tower
Singapore 069535
Looking for a loan? ATW does not take loan applications. Please contact the relevant subsidiary directly. Find the right subsidiary