Krungthai Card Public : Q2/2022

KTC PERFORMANCE

1H2022

AGENDA

Section :

1

2

3

4

5

Key Highlights

Financial Results

Consumer Finance Industry & KTC Portfolio Performances

Financial Targets & Strategies

KTC Sustainability

KRUNGTHAI CARD PUBLIC COMPANY LIMITED

KTC Overview

• Incorporated in 1996 as a credit card servicing subsidiary company of Krung Thai Bank PLC
• In July 2002, KTB sold the credit card portfolio to KTC which subsequently transformed KTC into a full consumer finance company and later listed on the SET in October 2002

Shareholder Structure

KTC Holding Structure

KTB,	Thai Institution,	Top 5 Shareholders
14.2%
49.3%
		1.	Krungthai Bank Public Company Limited	49.29%
18,312	Thai Individual,	2.	MR. MONGKOL PRAKITCHAIWATTANA	10.15%
Shareholders	22.8%
		3.	Thai NVDR Company Limited		7.59%
		4.	MS. CHANTANA JIRATTITEPAT		4.59%
Foreign Holding,	5.	UOB KAY HIAN PTE LTD A/C - RC		3.68%
13.7%
				(As of 30 Jun 2022)
%Total Receivables		%Total Revenue
Credit Card,			Credit Card
64.6%
Personal Loan		60.1%	Personal Loan
			38.9%
	32.0%
95,069		11,091
Million Baht		Million Baht

Leasing
3.4%	Leasing
	1.0%

49.29%

KTC Pico (Bangkok) Co., Ltd.

75.05% 24.95%

KTC Nano Co., Ltd.

75.05% 24.95%

KTC Prepaid Co., Ltd.

75.05% 24.95%

KTC Leasing Co., Ltd.

75.05% 24.95%

Krungthai Advisory Co., Ltd.

24.00% 76.00%

KTC Holding

KTB Holding

100% KTC Pico (Chonburi) Co.,Ltd.

100% KTC Pico (Pathumthani) Co.,Ltd.

100% KTC Pico (Samut Prakan) Co.,Ltd.

100% KTC Pico (Samut Sakhon) Co.,Ltd.

100% Infinitas by Krungthai Co., Ltd.

(As of 30 Jun 2022)

(As of 30 Jun 2022)

KRUNGTHAI CARD PUBLIC COMPANY LIMITED

Key Highlights 1H2022

Total Revenue

Net Profit

11,091 MB			3,641 MB
2.7% (YoY)			9.9% (YoY)
	Total Portfolio
	95,069 MB
		6.3% (YoY)
Credit Card		Personal Loans	Leasing
61,426 MB			30,460 MB	3,184 MB
10.3% (YoY)			3.3% (YoY)	-25.2% (YoY)
Credit Card Spending			Net Interest Margin
109,782 MB			12.2%
16.6% (YoY)
Total NPL			NPL Coverage Ratio
3.5%	1.7%			300.1%	487.0%
(Consolidated)	(Separate)		(Consolidated)	(Separate)

KRUNGTHAI CARD PUBLIC COMPANY LIMITED

KTC's net profit

continued to grow at 9.9%

Credit card spending was higher than the pre-COVID-19 level

Total portfolio expanded along with the recovery in overall economic

Maintaining net interest margin and efficient cost of fund

Portfolio quality continuously improved

Allowance for expected credit loss to

NPL remained high

4

Rules and Regulations

	Credit Card	Personal Loan	Auto Title Loan	Pico Finance
			& Leasing
Type of Loan	Multipurpose	Multipurpose	Multipurpose	Multipurpose
Unsecure	Unsecure	Secured or Unsecure	Secured or Unsecured
	Nationwide	Nationwide	Nationwide		Provincial
Minimum
Income	15,000	-	-		-
(THB)
Maximum	2x (income < 30K)	2x (income < 30K)
Credit Line	3x (income 30 - 50K)	Automotive Value		100,000
5x (income ≥ 30K)
(THB)	5x (income ≥ 50K)
Maximum				Amount		33% (Secured)
			Up to 50K		36% (Unsecured)
Interest	16%	25%	Auto Title Loan 24%
Rate & Fee				Amount			28%
						(Secured &
				51-100K
						Unsecured)

Rate Cap		20%
History	18%	18%	16%
	Apr-04	Jul-07	Sep-17	Aug-20

28%	25%
Jul-05	Aug-20

28%	24%
Jan-19	Aug-20

36%
	33%
	(Secured)
Nov-16	Oct-20

Other Licenses: Nano Finance, Prepaid, Hire-Purchase and Financial Lease

KRUNGTHAI CARD PUBLIC COMPANY LIMITED	5