Krungthai Card Public Company Limited provided earnings guidance for the year 2020. The target for 2020 emerged from the pressure to achieve growth in: credit card spending, member base, and total portfolio while preserving the portfolio quality. Therefore, the goal of KTC's separated financial statements (credit card, personal loans, car for cash) is to obtain no less than 15% credit card spending growth, approximately 10% growth in total portfolio; Even though NPL will be monitored extensively, it may increase slightly. Moreover, net profit will be maintained no less than the current level.