Krungthai Card : Q4/2022Unaudited

KTC Factsheet 31 Dec 2022 (Unaudited)

Krungthai Card Public Company Limited operates consumer finance business under the Company's vision "KTC is a membership

company in payment and retail lending business with sustainability as key element".

	Registered / Paid-up Capital	Baht 2,578.3 Million (Par 1 Baht)
	Market Cap.	Baht 170,169.79 Million (Jan 20th, 2023)
	BVPS (Baht)	12.2
	No. of Account (Million)	3.3
SHAREHOLDER STRUCTURE
			Foreign
			14.17%
		KTB	Thai Institution
		49.29%	14.14%
			Thai Individual
			22.40%
MAJOR SHAREHOLDER
1.	KRUNGTHAI BANK PCL.		49.29%
2.	MR. MONGKOL PRAKITCHAIWATTANA	10.12%
3.	THAI NVDR		8.97%
4.	MS. CHANTANA JIRATTITEPAT		4.63%
5.	UOB KAY HIAN PTE LTD A/C - RC		3.68%

PORTFOLIO BREAKDOWN	KEY PERFORMANCE Y22
7,079 MB - Conso
Credit Card	Personal Loan	(20.4% yoy)	104,194 MB
	31.0%	7,140 MB - Separate
66.7%
			(14.2% yoy)
				Net Profit	Total Port - Gross
		LEASING		238,257 MB	1.8 %
			(21.7% yoy)
		2.3%
				Total Spending	Total Port - NPL
KTC'S MARKET SHARE		Y2021	11M2021	11M2022
Credit Card
Number of Cards			10.1%	10.1%	9.9%
Total Card spending			11.9%	11.9%	11.8%
Credit Card Receivables			13.1%	13.4%	14.0%
Personal Loan
Number of Accounts			4.0%	4.1%	3.3%
Personal Loan Receivables		4.1%	4.2%	3.7%

INDUSTRY VS. KTC (11M2022)

Growth (YoY)	Industry	Commercial	Non-Banks	KTC
		Banks
Number of Cards	3.8%	4.3%	3.3%	1.4%
Total Card	22.6%	23.0%	21.8%	22.4%
Spending
Credit Card	11.1%	10.3%	12.2%	16.3%
Receivables
Personal Loan	23.1%	18.3%	26.8%	10.2%
Receivables

KTC PORTFOLIO

	Credit Card	Y2021	Y2022	Personal Loan
Credit Card (CIF Cards)	2,515,110	2,550,592	Accounts
Gross Receivables (MB)	60,201	69,462	Gross Receivables
				(MB)
NPL	1.2%	1.1%	NPL
	FINANCIAL HIGHLIGHT
				Y2021	Y2022
	Net Profit Margin			27.4%	30.5%
	Net Interest Margin			12.4%	12.2%
	Cost to Income			34.2%	34.9%
	Operating Cost to Income			27.3%	26.4%
	Cost of Fund			2.5%	2.4%
	D/E (times)			2.3	2.2
	Allowance for ECL / Total Receivables		10.5%	8.4%
	NPL Coverage Ratio			292.2%	476.3%
	- KTC (Separate)			464.8%	502.1%
	Credit Cost (1)			5.9%	4.7%
	ROA			6.6%	7.4%
	ROE (2)			23.5%	24.3%
	EPS (THB/Share)			2.28	2.75
	DPS (THB/Share)			1.0	N/A

Leasing

Y2021	Y2022		Y2021	Y2022
751,676	739,247	Gross
		3,199	2,449
		Receivables (MB)
29,235	32,283
2.9%	2.8%	NPL	54.3%	8.9%

(Unit : MB)

(2)(1)(1) VS (2)

(MB)	Y2021	Y2022	Y2022	Growth
(Conso)	(Separate)	(Conso)	(yoy)
Total	21,442	22,966	23,231	8.3%
Revenue
Total
14,197	14,025	14,377	1.3%
Expense
Net Profit	5,879	7,140	7,079	20.4%

1. Credit Cost = Expected Credit Loss/Total Receivables
2. Calculation of "ROE" based on average equity attributable to owners of the parent since 1Q2022 onwards