Consumer Finance Industry & KTC Portfolio Performances
Credit Card Business
Personal Loan Business
2
Shareholder's Structure
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
TOP 10 SHAREHOLDERS
SHAREHOLDER STRUCTURE
1
KRUNG THAI BANK PUBLIC COMPANY LIMITED
49.29%
2
MR. MONGKOL PRAKITCHAIWATTANA
10.28%
3
THAI NVDR
7.91%
4
MS. CHANTANA JIRATTITEPAT
4.82%
5
MORGAN STANLEY & CO. INTERNATIONAL PLC
3.89%
6
UOB KAY HIAN PTE LTD A/C - RC
3.68%
7
UBS AG SINGAPORE BRANCH
2.00%
8
SOUTH EAST ASIA UK (TYPE C) NOMINEES LTD
1.15%
9
MAY BANK KIM ENG SECURITIES (THAILAND) PLC
1.00%
10
MS. JARUWAN PHATRAPANYADEE
1.00%
2016
2017
2018
2019
2020
9M2021
Thai Institutional Holding
67.23%
57.03%
58.10%
58.47%
64.25%
62.56%
Thai Individual Holding
22.45%
35.47%
38.20%
37.57%
26.13%
24.10%
Foreign Holding
10.33%
7.51%
3.71%
3.95%
9.62%
13.34%
Total Number of Shareholders
3,815
4,376
12,344
13,194
10,426
23,935
Source: TSD
3
KTC Business
KTC Holding Structure
% of Total Receivable
49.29%
24.95% 75.05%
KTC Pico (Bangkok) Co., Ltd.
Pico Finance Service Business
24.95% 75.05%
KTC Nano Co., Ltd
Nano Finance Service Business
24.95% 75.05%
KTC Prepaid Co., Ltd.
Payment Services
76.00% 24.00%
Krungthai Advisory Co., Ltd.
Holding Business
24.95% 75.05%
KTB Leasing Co., Ltd.
Leasing Business
100%
KTC Pico (Chonburi) Co., Ltd.
Pico Finance Service Business
100%
KTC Pico (Pathumthani) Co., Ltd.
Pico Finance Service Business
100%
KTC Pico (Samut Prakan) Co., Ltd.
Pico Finance Service Business
100%
KTC Pico (Samut Sakhon) Co., Ltd.
Pico Finance Service Business
100%
Infinitas by Krungthai Co., Ltd.
Digital Platform as a Service and Innovation
Note: Personal loan includes Fixed, Proud, Million, Circle and others
% of Total Revenues
4
Rules and Regulations
Credit card
Personal loans
Auto Title Loan
Minimum
15,000
-
-
income THB
Interest rate
16%
25%
24%
and fees
Maximum
2x
(income < 30K)
2x (income < 30K)
3x
(income 30 - 50K)
Automotive Value
credit line
5x (income ≥ 30K)
5x
(income ≥ 50K)
Type of loan
Multipurpose
Multipurpose
Multipurpose
Unsecure
Unsecure
Unsecure
Pico Finance
-
Amount up to 50K
33%
(Secured) &
36%
(Unsecured)
Amount 51K - 100K
28%
(Secured & Unsecured)
100,000
Multipurpose
Secure or Unsecure
Service area
Nationwide
Nationwide
Nationwide
Provincial
Regulator
Bank of Thailand
Bank of Thailand
Bank of Thailand
Ministry of Finance
Latest announce
2021
2021
2021
2021
Other Licenses: Nano Finance, Prepaid, Hire-Purchase and Financial Lease
5
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Krungthai Card pcl published this content on 15 October 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 15 October 2021 11:31:02 UTC.
Krungthai Card Public Company Limited is a Thailand-based company, which is engaged in credit card, personal loan, and other related businesses. The Company operates a credit card business as its main business, including credit card related business, merchant acquiring business, payment service, as well as a personal loan business, which includes personal loan business under supervision and auto title loan. The Company also offers a range of financial products covering provincial retail lending business, occupational retail lending business, e-money business, hire purchase and leasing business, as well as holding business. Its credit card business consists of two components: card issuing and merchant acquiring businesses. The Company offers various types of credit cards, such as Generic Credit Card, Co-Branded Card, Affinity Credit Card, Government Services Credit Card, and Corporate Credit Card. Its services include payment of goods and services in lieu of cash and cash advance.
KRUNGTHAI CARD 
